So, What Have You Done to Reduce Your Carbon Footprint?

From the Editor: This is a guest article by Aaron Garcia

carbon-footprintsWhile I think most of us have become painfully aware through the media, or through personal experience of the changing weather patterns, of things like global warming and melting polar ice caps, we have probably never regarded ourselves as being able to do something about it. That is the terrain of politicians, governments and national decision makers.

Not so. Each of us, by making some simple changes in our lifestyle choices and our awareness of our environment, can make an impact. Just think, in a population as big as ours, what that cumulative impact for good could be.

Where do I begin? Well, besides the initiatives at home with things like the recycling of waste products, you could look at your transport choices. I know we travel long distances in the US and the freedom to use our own vehicles is great, but the impact on the environment of the carbon emissions from our personal vehicles is vast. One study that I read at treehugger blog indicated that if only one in five Americans changed to public transportation like buses, the savings would be greater than the combined emissions from all the chemical manufacturing and metal processing industries. That is enormous! Do you still believe you can't do anything on your own?

Add to those figures the savings on oil and America's reliance on foreign oil that would be saved if we took the initiative and used buses or charter coaches as our first choice in transportation, whether it be for shopping across town; for getting to a business conference or for traveling to a sporting event or holiday. Did you know (once again from the site above) that there are about 14 million Americans who use public transport daily? The oil saved in this way is enough to power 25% of all our homes in a year.

Most bus companies are just as aware of the environmental impact they are making and are also carefully considering the use of more environmentally friendly fuel alternatives such as bio-diesel fuel, diesel hybrids or even hydrogen. Each step in the right direction adds to what we can do to help our planet.

So, the next time someone asks you what you have done to reduce your carbon footprint, you can smile broadly and say, "I have decided to use the bus". You can be sure that your green contribution is making a difference.

About the Author: Aaron Garcia is a representative of Cardinal Buses, a motor coach rental company from Middlebury Indiana. He regularly writes about his travel experiences and the importance of staying safe when you travel.


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Do You Really Need Dental Insurance?

From Editor: This is a guest article contributed by Richard Keane

a-dental-insuranceThe monthly budget of many individuals and families is already overcrowded with bills and things to pay for. The thrust of many people is how to prune down their budget and reduce the number of things that they have to pay for. People are thus going through their expenses to find services and products that they could do without. Against this backdrop, one question that many ask is, do I really need dental insurance?

At first glance, you may be tempted to answer a quick no, the reason being seemingly quite simple. Why put up with paying monthly premiums for dental cover, when you take such good care of your teeth and have no cavities or toothache? Well, each person will have to answer that question in light with their own circumstances. At present, about 30% of Americans do not have any form of dental insurance cover. That translates to about 100 million Americans that do not have dental cover. You may be quick to ask yourself, if they can stay without dental insurance, why can’t I do the same too?

The right answer for you

To properly determine the right answer for you, you need to first consider the reasons why people take or need insurance. Insurance policies are not necessarily taken because of present danger or crises, are they? We seek insurance coverage because of possible negative eventualities that may occur. A person who takes a theft and burglary home insurance cover will not stop taking steps to prevent his home from theft and fire. The cover is taken to provide cover and compensation if and when a burglary or theft does occur.

But I take good care of my teeth

Taking good care of your teeth is not always good enough reason to drop dental insurance. Based on the statistics of people without dental insurance coverage mentioned above, we can conclude that there are about 100 million Americans who will have to pay from their own pocket to cover the costs of any dental treatments that may arise. Or, they will have to suffer in silence and go without dental treatment if they cannot afford it. Is the option of going without dental insurance still looking attractive?

An expensive market

Dental treatments are very expensive and you will need to consider if you will be able to bear these costs yourself without dental insurance. For example, as a dentistry guide, crowns go for between $500 and $3,000 per tooth. Even when you have the best of oral hygiene habits, gum disease issues or accidents such as a fall could occur that will require expensive dental treatments. Without adequate cover, you will have to pay for it yourself or do without it.

What are the advantages of dental insurance?

Dental insurance, without a doubt offers a number of advantages. It can cover the costs of routine visits and checkups and costs of emergency dental treatments. Depending on the type of insurance plan, you can even earn interest on the policy and receive a cash payout from the insurer. The major factor that makes many people hesitate or consider doing without dental insurance is the costs associated with paying monthly premiums. When you consider the rising costs of living generally, plus the costs of several insurance policies that you need, it may all seem overwhelming. With proper budgeting and management, many people seem to succeed.

In conclusion, the answer to the question, do you need dental insurance, is best answered by you. You have to determine the amount of dental related risks that you are willing to expose yourself and your family to.

About Author: Richard is a freelance writer who enjoys producing content related to health, dentistry and finance. If you get the chance please pay him a visit on Twitter at @thefreshhealth


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Killer Credit Cards 2011 !

Winner Credit Cards 2011 - What it means to you?

Here I have listed the winner credit cards chosen by experts considering its overall features and performances. These cards have no annual fee, 0% apr, huge reward points that never expires, cash back offers and many more facilities. Wherever you search, you will never get any card listed than these cards, I bet... Subscribing these card not only gives you the ownership of best cards but also get an opportunity to have a card that always comes as top rated in various categories.







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Best Small Business Credit Cards - 2011

Small Business Credit Cards - What it means to you?

A small business credit card is designed for business owners, executives, and company employees who need the purchasing power of a credit card for their business objectives. These cards enable the business to establish a credit line in the name of the business, while also helping to track expenses by cardholder.





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Best Credit Cards for Students - 2011

Student Credit Cards - What it means to you?

A student credit card is designed for those who are 18 years or older and currently enrolled in an academic institution. These cards enable students to establish a positive credit history and often feature rewards and other incentives that appeal to young adults.





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Top Rated Gas Credit Cards - 2011

Gas Credit Cards - What it means to you?

A gas credit card features rebates and rewards for the cardholder whenever the card is used for gasoline purchases. By using this type of card regularly at the pump, you can beat rising gas prices by earning cash back and other rewards on your gas purchases.



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Top Rated Reward Credit Cards - 2011

Credit Cards With Rewards - What it means to you?

A credit card with rewards offers the cardholder rebates, air miles, gift cards, or even merchandise for using their card for purchases. These cards can reward users in one particular retail category, such as restaurants, or across all categories.




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Top Rated Cash Back Credit Cards - 2011

Cash Back Credit Cards - What it means to you?

A cash back credit card rewards the cardholder with rebates and incentives for using their card for purchases. Some cards feature cash back rewards in certain categories of shopping, such as groceries or gas, while others feature rewards in all shopping categories.










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Best Balance Transfer Credit Cards - 2011

Balance Transfer Credit Cards - What it means to you?

If you have a credit card with an outstanding balance and high interest rate, a balance transfer credit card may be right for you. By transferring your current balance to a new 0% balance transfer card, you could save a bundle in interest and be able to pay off your credit card balance more quickly.










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Top Rated 0% APR Credit Cards - 2011

0% Intro APR Credit Cards - What it means to you?

A 0% intro APR credit card gives cardholders the benefit an interest-free introductory period on their purchases and/or balance transfers, as long as the account is kept in good standing during that time. Paying zero interest on your balance can save a lot of money in the long term.










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Top Rated Low Interest Credit Cards - 2011

Low Interest Credit Cards - What it means to you

A low interest credit card features a low annual percentage rate (APR) on purchases and/or balance transfers. This type of offer is ideal for those who plan to carry a balance from month-to-month on their credit card, as the low interest rate will result in lesser interest charges on the balance.








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Annoucing the Lauch of New Focused Blog - moneywithmoney.NET !

I am happy to announce the launch of my new blog named "www.moneywithmoney.net" a joint initiative with my wife. This launch has decided to today, August 29, the date of my birth day, and I an very happy to introduce this new blog to all our visitors.

money-with-moneyUnlike investinternals.com, moneywithmoney.net is more focused to it main subject: Money. It would cover all possibilities of making and managing money with numerous tips to save money. It also introduce all the resources to readers to get control over their money in a well structured and highly efficient way.

My hearty welcome to all of you to have a look at this new blog. It is our pleasure if you could SUBSCRIBE this blog as first 100 to realize its decided quality of articles coming soon. All the first 100 email subscribers would receive a surprising gift from us as a launching offer of moneywithmoney.net.

Visit today to subscribe to the knowledge rich contents today..

Thanks in advance.... Sherin Dev and Jyothi Sherin

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Top of the Range Property Investment- New Apartments and Buying off the Plan

From the Editor: This guest article offered by Sachin

property-investmentsThis article would give you good insight on upper range property investments and the advantages of buying investment properties off the plan

If you’re looking at buying an investment property in the top end of the market, buying an investment property off the plan is the best option. The investment values of the upper range of the market are very different in their dynamics from the mainstream property market. This is a fussy, highly discriminating market and it can be extremely demanding. The demand is for quality. Buyers and renters alike want value, and can afford to pay for it.

Top of the range property investment, an overview

There are several typical characteristics of a good upmarket investment property. These are also the basic expectations of this end of the market, and it’s important to understand the values and priorities attached to them.

The best investment properties are:

- Well located- The upmarket interest in location is based on need as much as prestige. A good location is close to business interests, like an inner city suburb or even in the central business district itself.

- High quality properties - Another business issue, sometimes mistaken for vanity, is the value of the properties. The people that can afford to buy or rent these top quality properties are also businesspeople. They expect to get value for money.

- Amenities - The top end of the property market is always well ahead of the mainstream in terms of lifestyle quality. They just won’t even look at inferior quality properties. Remember also that they usually own other properties that do have all the modern amenities like spas, swimming pools, squash courts, etc.

These are the minimal expectations of the top of the range property market. The best property investments in this market add value above the expectations.

Why buying off the plan is so effective for top of the market investments

When you’re investing in a market which is this demanding, you really can’t expect the mainstream property market to be able to deliver what you need. Top of the range investments on the market can be both hard to get and extremely expensive. Any local market only has so many top quality properties on sale at any given moment. Competition among investors and buyers is also very high, making acquisition that much more difficult.

This is why buying off the plan has become the best way of finding and acquiring good investment property in the upper bracket of the property market. Instead of battling your way through the market, you can buy a brand new luxury property off the plan. You acquire a top quality investment at a fixed price, including the essentials like amenities and location. The cost of acquisition for these properties includes built-in potential for credible capital gain and good rental revenue.

Buying off the plan is a textbook case of the principles of good property investment. It ensures that you’re buying the best. If you compare buying off the plan to the usual costs of property investments in the market, you’ll find that buying off the plan actually saves outlays, all down the line. When you’re investing in this market, saving money can mean saving big money.

Explore your options for buying off the plan. You’ll be utterly amazed at what’s available.


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Top Visa and MasterCards in US

Considering all facts, interest rates, rewards, annual fees, and all other charges are issued by the bank issues Visa and MasterCard, here is 4 best cards, 2 from each Visa and MasterCard, to select. This are the top rated card available in the market today.

Top Visa Cards





Top MaterCards



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64% of Americans Don’t Have a $1000 Emergency Fund

Editor's note: This information provide by Ben Joven

$1000-Emergency-FundThe NFCC (National Foundation for Credit Counseling) released a July online poll that revealed the sordid financial state of the American consumer. The online poll uncovered that 64% of Americans do not have $1000 in their savings account for an emergency expense. The 64% of Americans that do not have enough cash on hand for an emergency, stated that they would have to rely on other resources in order to cover an unexpected expense such as a medical emergency, or an unanticipated car repair.

Only 36% of Americans said that they would be able to tap into their savings account for an unexpected emergency expense. The rest of the 64% polled stated other means of coming up with the emergency expense, here are few interesting figures that the NFCC’s profile revealed:

Resource - % of Americans
I would take out a personal loan -9%
I would have to ask a friend of family -17%
I would have to sell or pawn personal items -12%
I would just disregard some other monthly bills -17%
I will take out a cash advance on my credit card -9%

Man,

In another poll conducted by BankRate.com revealed that only 24% of Americans had 6-month’s worth of expenses available in their savings account.

About Author: Bobby Dee is a personal finance blogger, and works for the top consumer credit counseling companies in the US, whose credit counselors have been helping consumers get out of debt for over 20 years.


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Tips for First Time Home Buyers

Editor's note: This is a guest post from Darrell Rigley

buying-a-home-buy-bome-buying-homeNow that you are ready to buy your first home, where do you start- How do you make sure that you are getting a good deal on your home and that you haven-t missed anything when choosing the home and making the deal.

Here is a checklist to get you started:

1. Run your credit report and fix any problems found

2. Shop around for your mortgage in order to get the best rate available

3. Get pre-approved for your mortgage - This will tell you how much home you can afford and show potential sellers that you are serious

4. Crunch the numbers - Determine how much each $1000 in price affects your monthly payment

5. Determine your comfort zone - This most likely will be less than you are approved for

6. Check out neighborhoods you wish to live in

7. Determine your must haves vs. your like to haves for you new home - Be realistic

8. Check out the property taxes in your target areas

9. Check with your insurance agent to see how much your homeowner's insurance will be

10. Make sure that your finances are in good order

11. Find a real estate agent that you feel that you can trust and you feel comfortable working with

12. Find a reputable home inspector - Do not let your agent, your lender, or the home seller recommend one. Remember, the home inspector should tell you what you need to know about the home so that you can make an informed decision about buying the home and what to offer

Now that you have the preliminaries out of the way, now is the time to start looking homes for sale. Keep these things in mind while looking:

1. Take a checklist of your must haves and want to haves with you

2. Take a camera so that you can take pictures - After a while, the homes will blur in your memory

3. Remember that cosmetic problems are easily fixed - Do not get hung up on the wall colors or the counter top material

4. Ignore the homeowner's belongings - You are buying the home, not the furniture

5. Pay close attention to cracks in the walls and ceilings, water stains, etc. - These could indicate deferred maintenance

6. Pull up area rugs to make sure that they are not hiding floor or carpet problems

7. Make sure that all of the faucets work

8. Make sure that the home has not been over improved for the area

9. Ask which appliances and window treatments are included with the home

10. Make note of what changes you will have to make such as fencing in the yard for your dog or children

11. Ask about any deed restrictions that could keep you for using the land the way you want - Some homeowners associations will not allow fencing or will restrict which kinds of fencing you can install

After looking a multiple homes, you have finally chosen your new home. Now the fun part starts.

1. Have your agent check to see what comparable homes in the area are selling for or have recently sold for - This will tell you if the asking price is reasonable or not and aid you in deciding what to offer

2. Make a reasonable offer (it can be less than the asking price)

3. Make sure that the final selling price is within your comfort zone

4. Remember that you can ask for the seller to pay some or all of your closing costs

5. Remember that home buying is a negotiation process. Do not be afraid to negotiate with the seller

6. There are times when there are multiple bids on a house. Decide on your top price going in so that you do not get carried away and spend more than you want

7. Go with the home inspector when he does the inspection. Ask questions. Make sure that you know what you are getting with the home.

8. Make sure that your offer has contingency clauses covering financing and home inspection - This will allow you to walk away from the deal should your financing fall through or the home inspection reveal problems that the seller refuses to fix prior to the sale

9. Do not be afraid to walk away - There are always other homes for sale

About the Author: Darrell Rigley is the owner of Loan Reduction Hero. His company performs forensic loan reviews on potentially fraudulent mortgages in an attempt to help families avoid home foreclosures. For more information on loan reduction , please visit www.LoanReductionHero.com


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Invest Like A Billionaire !

Editor's note: This is a guest post from Zach Ramsay

who-is-warren-buffettAlmost anyone can make money in a booming economy, but only smart investors can say the same when the economy, and the stock market, heads south. If you haven’t been completely satisfied with the performance of your portfolio recently, learn how to invest like a billionaire by copying the moves of one of these financial geniuses:

Warren Buffet

Born in 1930 to a former stockbroker, Warren Buffet showed a talent for all things financial at a very young age. By the time he turned six, young Warren was making a small profit by selling soft drinks to his friends. Today, this investment icon is worth more than $50 billion. If you’d like to become a student of Buffettology, keep these tips in mind:

# Invest in What You Understand – This should be common sense, but many people don’t take the time to understand even their best investments. Warren Buffet never invests in a company that is outside of his “circle of confidence” because he finds it impossible to predict future performance when he doesn’t understand the core operation.

# Evaluate the Company’s Management – Warren Buffett evaluates the management of any potential investment based on three tenets. First, do they rationally balance reinvesting profits with maximizing stock values? Second, is management honest with investors? Third, does the management copy other organizations or develop new ideas and products?

# Look for Intrinsic Value – Warren Buffet prefers to invest in companies that have something special that sets them apart from the competition. This would be any quality that is hard to duplicate.

George Soros

Financier, philanthropist, author, and political philosopher, George Soros was a force to be reckoned with in the investment world before he retired in 2000. Also born in 1930, this investment mogul was born in Hungary and later immigrated to England before arriving in New York City. With a net worth of about $14.5 billion, everyone can learn a lot about building wealth from this billionaire. If you’d like to invest Soros-style, here are a few things to think about:

# Move with the Herd – George Soros followed his belief that all investors influence each other and move as a herd. Most of the time, George just followed the crowd. Of course, he spent a lot of time analyzing these movements before simply going with the flow.

# Until It’s Time to Buck the Trend – However, he was the master at spotting opportunities for short-term gain and jumping ahead of the crowd to score big. His most famous move netted over a billion dollars in a single day. In 1992, he bet about $10 billion on a short-sale of the British pound. This rash, and very profitable, act earned him the notorious title of “the man who broke the Bank of England.”

# Go Big or Don’t Bother – Once George Soros decided that a value was going to go up or down in a big way, he usually made a big move of his own. Known for short-term speculation, George would take huge financial risks that were highly leveraged, or backed by borrowed funds. Most of the time, they paid off. Sometimes, they didn’t, and George lost just as big. Before following this investment style, be sure you can afford to take the loss.

Donald Trump

Now that The Donald seems to be more interested in his TV persona than anything else, he has become the most talked-about billionaire in the nation. Donald followed in his real-estate developer father’s footsteps to become a very successful businessman. Although not all of his investment ventures have been successful, Donald is currently worth anywhere from $150 million to $7 billion depending on who's keeping track. Want to be the CEO of your own little world just like The Donald? Follow these tips, and you might hit it just as big:

# The Right Time and The Right PlaceDonald Trump is a master at spotting an opportunity and taking full advantage of the chance to make a buck.

# Be Brash and Bold – Donald is nothing if not impulsive. He doesn’t hesitate to follow his dreams and vision to the very limits of possibility; when he has an idea, he goes with it. Sometimes this pays off, and sometimes it doesn’t.

# Marketing is Key – Although Donald Trump likes to say he’s the world’s best real-estate developer, he’s actually a marketing genius as illustrated on his reality show, The Apprentice. This man knows how to turn just about anything into a valuable commodity.

# Don’t Let Anything Stop You – Donald is determined to keep going no matter how many times he fails. Although Trump almost always protects his personal assets, he has filed corporate bankruptcy four times due to new ventures that didn't go as expected. However, this hasn’t made him hesitate for a second before starting another project.

About the author: Zach Ramsay manages a personal finance blog and high dividend stocks service for income and retirement investors.


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Business Credit Cards Can Be Bad For Business

Editor’s Note: This is a guest post from Odysseas Papadimitriou of Card Hub

Business-Credit-Card-Business-Credit-CardsAs the age-old saying goes, you’ve got to spend money to make money. It therefore goes to reason that to make the most money possible, you’ve got to spend wisely. For most small businesses, a key aspect of this is choosing the right credit card, both for funding purposes and everyday purchases. But how should one go about selecting a business credit card? Interestingly, according to a pair of small business credit card studies from Card Hub, this process isn’t nearly as straightforward as you might think.

These studies – which gathered information about the policies and practices of the 10 largest credit card issuers in the United States – not only revealed that American Express, Bank of America, Capital One, Chase, Citi, Discover, HSBC and U.S. Bank all hold individual consumers liable for so-called business credit card use, but also unearthed the fact that all of the major issuers who were transparent enough to participate in the studies report “business credit card” information to users’ individual credit reports.

“Business credit card” therefore appears to be a misleading branding term, which belies the true consumer-oriented nature of the products it is used to describe. What’s more, the new credit card law (CARD Act) – which applies to consumer credit cards – should truly apply to so-called business credit cards as well.

So where does this leave small business owners now?

For starters, these studies reveal the innate danger of using “business credit cards” for certain types of spending. Though small business owners are held personally liable for use of such cards – both financially and in terms of their credit scores – they are not afforded the key CARD Act protection against arbitrary interest rate increases. This means that many of you must rethink your approach to business spending. In all, you have two general options:

# A two-card strategy: Use a consumer credit card for business purchases that won’t be paid for in full by the end of the month and a business credit card for all others. By doing so, you not only ensure debt stability, but also retain the ability to easily track business spending and earn rewards on customizable-limit cards you’re able to provide employees.

# Use of a Bank of America business credit card: Bank of America is currently the only major credit card issuer to have proactively applied all of the CARD Act’s protections to its business credit cards. Therefore, you can use such a card for all types of purchases and be assured that, among other things, an increased interest rate will not be applied to an existing balance unless you are at least 60 days delinquent.

Which option you choose is ultimately up to you, but keep both variety and convenience in mind when making this decision. The two-card strategy provides far more options than the Bank of America course of action, thereby giving you a better chance of finding the right 0% credit card with which to revolve debt and the best business rewards credit card for everyday expenses. On the other hand, the Bank of America option provides simplicity in that you can use a single card to make all of your transactions.

It’s important that you do employ one of these strategies, however, because it’s hard enough to make it as a small business owner without being held back by your credit card. And while you might be wary of bucking the labels or simply switching credit cards at all, understand that it truly will benefit you and your bottom line.

Odysseas Papadimitriou is a former Capital One senior director and is currently the CEO of Card Hub, a leading marketplace for credit card offers, including business credit cards for new businesses.


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Safety in Numbers ? Why Charter Bus Transportation is So Safe

From Editor: This guest post submitted by Aaron Garcia

bus-transportationDid you know that the US Government has published statistics which indicate that buses and coaches are the safest mode of road transport? (0.4 fatalities per 100 million vehicle miles, compared to cars where the rate is 3.5 times higher.

Even though they share the roads with other users, it has been determined that they have the safety level of trains. These findings are borne out by those from countries such as Australia and Germany, which indicate a lower accident fatality rate in buses than in any other form of land transport.

But most buses don't have safety belts for passengers. How can they still be safe??

It's all a matter of how they are built. All the seats on a bus are much higher than any you would find in a car or even an SUV. This means that passengers are seated higher than the point of any conceivable impact. Besides this, motor coach seats are compartmentalized, which means that each seat is like a padded roll cage and will offer the protection needed by passengers in the event of a collision.

But safety in buses is not just about the structure of the vehicle. It also has much to do with the expertise of the drivers. Unlike the drivers of other motor vehicles, professional bus drivers are bound by law to undergo ongoing training and to pass rigorous practical and theoretical testing. They all have to pass an individual medical examination and undertake first aid training to assist passengers in the event of an emergency.

All registered charter bus companies are expected to employ drivers who carry Commercial Driver's Licenses. Drivers are monitored by safety directors and are not permitted to drive for a period of longer than 10 hours before changing shifts. Vehicles are regularly maintained and must meet federal standards of safety.

So, I reckon you can safely undertake your next holiday, sport or business road trip in the professional care of a charter bus company. Let them take care of the road, while you plan what you are going to do when you reach your destination.

About the Author: Aaron Garcia is a travel enthusiast who has been to destinations all over the world. Chicago is one of his favorite destinations in the US, and he tries to use bus transportation to and from O'Hare Airport whenever possible.

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Getting the Most as a Student

From Editor's Desk: This guest article contributed by Katei Cranford

how-to-get-creditCollege can be one of the most rewarding parts of a lifetime. But it can also be stressful, expensive, and all-consuming. Plus finances are rarely on the academic roster for those not pursuing a business-oriented degree. In order to get the most out of education, it's essential students seek out the opportunities available to only them. Below are a few things students should “get” before they graduate.

Get a job - or at least an internship.

Classes and homework eat up most hours of the day, but a small part-time position can supplement income in big ways. Working while in school helps to overcome the hurdle of lacking actual “experience” after graduation. It's much easier to gather that experience early than scramble around in the job market. Try to scope the job around your field of study. Typically, internships can be taken for class credit which allows you to ease your wallet and course load. Campus companies always need student help - which helps with the commute - and major brands seek “on-campus ambassadors” to push their product to your friends and classmates.

Get involved

Holding an on-campus job is a great way to earn income, but it's also important to beef your resume with other collegiate involvements. Campus radio stations and newspapers for instance add valuable experience in several realms of study and some pay their more active student members. Involvement in off-campus non-profits also look great to future employers and universities often offer work-study arrangements which provide stipends for working with select non-profit agencies like museums, galleries, and other culturally enriching programs.

Get your taxes right

Doing their own taxes is often one of the first fiscal steps toward adulthood most students take. Fortunately, several companies offer free tax prep for those in need. Student taxes can be complicated, but the IRS looks favorably upon them. Be sure to explore options that could include taking advantage of the American Opportunity Credit or the Tuition & Fees Deduction. With the deduction, your tuition and any money spent directly on supplies can be written off. This includes books, stationary, electronics, and any other purchases incurred for a course of study.

Get good credit

As explored in a previous Money Hacker post, credit is thought of as your “financial trustworthiness”. Establishing your trustworthiness as a student and worker are key components of a well-rounded education. Fiscal trustworthiness is incredibly important as students embark on the world at large. Your credit score impacts your ability to obtain a car, home, or even chance at employment. Establishing and maintaining a good score early-on will make life down the road much easier. Credit companies target students because of their assumed irresponsibility when it comes to finances and spending. A student who defies that stereotype can take advantage of a world of fiscal opportunity.

Higher education provides a wealth of opportunity as well as hardship. However, if you can get in the swing of things, it becomes rather easy to get the most out of your education.

Reference Guide: Thinking Ahead for College Success: A First Year Student's Guide

About the author:Katei Cranford is a recent UNCG graduate and freelance journalist who’s making her mark beyond academia and advising others not so far behind.


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The 86 Biggest Lies on Wall Street

The 86 Biggest Lies on Wall Street - A Must Read for Any Investor!

The-86-Biggest-Lies-on-WallStreetI have recently visited a biggest bookshop in my city and spotted "The 86 Biggest Lies on Wall Street" by John R. Talbott which came as new. Have a look deep inside the pages as usual and found it have something special for an investor like me. It deals with 86 biggest lies on wall street which provides sporadic insight to some of the common assumptions that later land to great mistakes.

In the investment mistake side, I have attracted to a lie named "Invest only on monopoly businesses". The explanation by John in this section is very nice because this advice, even continuously giving my Jim Crammer, would affect the free market system by John's perspective. Another area he covered is the mistake happens to investors by pointing more to the EBITDA data because of possible errors may happen to investors and which lead them to a decision of investing is some stocks by considering it is cheap but it would be in high valuation in reality.

This book arranged in a manner of lies happening in various areas: Lies About What Caused This Mess, Lies About How to End the Crisis, Investment Strategy Lies, Stock Investing Lies, Bond Investing Lies, Lies About Other Investments, Lies in Economics, Lies in Finance, Lies About the Global Economy, Lies About Hedge Funds and the Derivatives Market, Lies About Government and Regulation, The Real Reform Needed on Wall Street.

It have also given satisfactory explanation on each points why John feels those are lies in the Wall Street. "The 86 Biggest Lies on Wall Street" is certainly a first class read for investors to get eyesight to come of the important areas of investment valuation and personal finance.


Sherin Dev is the founder and editor of Investinternals.com Blog. Learn more about him here. Follow him on Twitter @Moneyhacker or be in touch with him at Facebook
If you have any queries related articles, guest posting, advertisements or any other, contact him at investinternals@gmail.com


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Commercial Property Investment Basics- How to Check Out A Commercial Property

Editor's note: This guest post offered by Sachin

This article covers the basic processes for investigating commercial property investment options

Commercial-Property-Investment-BasicsCommercial property investment can be an excellent investment opportunity, but it can bring with it more than a few problems. If you’re buying commercial property, you’re also making a major capital investment, and the risks start before you even pick up the phone. New commercial real estate software and property valuation software are now being used by professionals as risk management tools as much as anything else.

Operating costs for shops are also very high. Some shopping areas are particularly expensive and can’t attract or keep tenants. This is a classic investment trap- The building owners have to charge high rents to maintain their own cash-flow, which is often debt-related. These are very tricky situations, and if you go into commercial property investment, you’ll find that “market forces” can be like hurricanes. They can blow your money away.

Stage 1- Key factors in commercial property investment

The main issues in commercial property investment are:

- The commercial environment- Is the shopping area viable, and attracting a lot of customers? If so, it’s a working proposition. If not, avoid like the plague.

- Access and transport- Something as basic as parking can trash the values of commercial properties. Being away from public transport is another possible problem, because people tend to do their shopping during their commuting.

- Area economics- Every area has a different economic profile. The location of the property is a major issue. Big malls and warehouses can operate out in the sticks, but smaller scale commercial properties simply can’t. Unless you’re buying in to a new development in a new area like a new housing estate, commercial buildings need local demand.

- Competition- Many investors don’t seem to realize that commercial property operations are highly competitive. You’ll do better without a lot of heavyweight competition like malls and major shopping centers, which attract the vast majority of consumers.

- Condition of premises- Most commercial properties are in various states of repair, from horrendously dilapidated to good. This is a major area of focus for investors, because the costs of renovation can be almost as high as rebuilding.

Stage 2- Checking out commercial property values

If you’ve found a property that passes the quality test outlined above, the next stage is all about number crunching. You need to see an investment price that will lock in a good return. This means factoring costs, as well as your purchase price and establishing realistic values.

These values are measurable, using your return on investment (ROI) as a benchmark.

For example:

You’re buying a commercial property including shops and rental accommodation.

- You have two revenue bases here.
- You’ve pinned down costs to a definite figure.
- You need to see returns over costs on a margin of 20%.

Can you realistically expect to get that ROI?

These are the real property values for investors. Never mind the hype, focus on what the investment can really deliver. The rest is easy.


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How to Leverage Your Social Network to Find Perfect Jobs

From Editor: This is a guest post from Andrew Hunter Co-founder of Job Search Engine Adzuna

social networks for jobThe last 10 years has seen a seismic shift in the way job seekers and employers are connected to each other. Gone are the days (in the most part) of employers stumping up £5k to a recruiter or headhunter to lock down a candidate. Job seekers have also realized that new avenues have opened up for them to connect with potential employers and land a job. Social Media can sometimes tip the balance between getting hired and getting fired and those that embrace it are learning that it can be an excellent string to the job hunters bow.

Here are 5 social media tips, which will help you in the job hunting process:

1. Get yourself on LinkedIn (everyone else is there) – LinkedIn is the largest professional social network on the planet and if you're not on it, you're missing out. It's a great platform for exchanging business ideas, flirting with potential employers and connecting with old and existing colleagues. Pimp your profile by i) recommending friends and asking for recommendations from your friends and ex-colleagues ii) Adding your written work such as guest blogs, academic coursework etc.(from the navigation bar > More > My Applications), iii) Adding events you have participated in or you are going to (you will find many of them in your city) and, ultimately, join work related Association and Groups v) Leverage your second degree connections - you'll be amazed how many relevant people your friends and other connections can introduce you to.

2. Use social job search engines like Adzuna or Branch Out. These tools allow you to quickly and easily identify friends in your network who work at companies that are hiring. Having connections and "lines in" to relevant employers can help you a) Understand what it's like to work at the company b) Give you an advocate at the company - A quiet word in the bosses ear can go a long way!

3. Open a Twitter account and be interesting. Participate in online conversations and try to establish yourself as an authority within your field of interest. Follow professionals and recruiters in your field. Recently Saatchi & Saatchi launched a graduate recruitment campaign based on the number of followers and retweets a candidate could generate.

4. Connect your Twitter account with LinkedIn ( More > My Applications ) and use both of them to boost your popularity. Start to think about the short list of companies you'd like to work for and follow these companies in all areas of social media. Engage with their employees and relevant people that could be interested in your skills and you as an individual. Don't push too hard though. Nobody likes a suck up!

5. Be careful what you publish online about yourself and review your online reputation. It's all very well planning to schmooze with potential employers through twitter, LinkedIn et al. but don't forget that employers can see your status updates, photos, videos, groups etc. and might discover some information you don't want them getting their hands on! make sure you lock your social network profiles and play around with the privacy settings to a level you're comfortable with.


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Gold Demand Statistics by World Gold Council for Q2 2011

the-price-of-gold-the-world-gold-councilHere is an interesting Gold Demand Statistics for Q2 2011 provided by World Gold Council a market development organization for the gold industry. Working within the investment, jewellery and technology sectors, as well as engaging in government affairs, our purpose is to provide industry leadership, whilst stimulating and sustaining demand for gold. World Gold Council develop gold-backed solutions, services and markets, based on true market insight. As a result, WGC create structural shifts in demand for gold across key market sectors.

World Gold Council provides insight into the international gold markets, helping people to better understand the wealth preservation qualities of gold and its role in meeting the social and environmental needs of society.

- Global gold demand in the second quarter of 2011 totalled 919.8t, down 17% from the remarkably strong levels of 1,107t in the second quarter of 2010. Gold demand in value terms grew by 5% year-on-year reaching US$44.5bn up from US$42.6bn in the second quarter of 2010. This is the second highest quarterly value on record, only fractionally below the US$44.7bn record that occurred in the fourth quarter in 2010.

- The quarterly average gold price rose by 26%, reaching a record high of US$1,506.13 (as per the London PM fix).

- Second quarter 2011 global investment demand was 359.4t, 37% down year-on-year from 574.2t in the second quarter in 2010, which was the second highest quarter ever.

- ETFs witnessed solid net inflows of almost 51.7t during the second quarter of 2011, which compared well to the previous 12 quarters (excluding two record peaks) where ETF inflows have averaged 41.4t.

- Demand for gold bars and coins totalled 307.7t during the second quarter of 2011, a gain of 9% over year-earlier levels of 282.6t. In value terms, bar and coin demand was worth US$14.9bn, an increase of 37% from US$10.9bn in the second quarter of 2010.

- Jewellery demand in the second quarter of 2011 was 442.5t, 6% higher than the year-earlier levels of 416.7t. In value terms, this represented a 34% increase to US$21.4bn from US$16.0bn in the same quarter last year. India, China and Turkey together accounted for 59% of global jewellery demand at 260.1t in the second quarter of 2011 and registered a combined growth of 36.1t on year- earlier levels.

- Technology demand was up by 2% at 117.9t from 116.1t in the second quarter of 2010, generated by an increase in demand from the electronics segment. In value terms this was a quarterly record of US$5.7bn, up 28% from the next highest in Q4 2010 of US$4.5bn.

- Gold supply was 1,058.7t in the second quarter of 2011, which was a 4% decline from 1,108.3t in the same period in 2010, as a result of an increase in net purchasing by central banks. Mine production rose by 7% to 708.8t from year-earlier levels of 659.4t in 2010.

- Central banks’ purchases this quarter more than quadrupled compared to the levels of the second quarter in 2010.

- Recycling activity stood at 429.3t, 3% down year-on-year from 444.3t in the second quarter of 2010.

Source: www.gold.org/media/

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Determine Your Business Type before you Start Your New Business

Editor's note: This guest post written by M. Garcia of Arizona Legal Briefcase

what to start a business inThere are many ways to structure your new business, so it is very important for you to determine which structure is best for you and your new business. You have several options when starting your new company. Your choices are to form a corporation, an LLC (Limited Liability Company), a partnership, or a sole proprietorship. Your choice will depend on who will own the business and what its activities will be.

Preliminary Questions when Starting a Business

You will need to determine which one is the best fit for your new business. This is an important decision. You will need to ask yourself some questions to help you determine which business structure will work for your new business. Keep in mind that what might work for your friends? Company might not work for you. Ask yourself:

- Will I be the sole owner or will I have partners?
- What is the financial situation of my new business?
- What are the potential risks and liabilities of my new business?
- What expenses are involved in establishing and maintaining my business?
- What is my income tax situation?
- What are my investment needs?

Determine Your Business Risks

Businesses offering services differ from those selling products. Some businesses require that your company be bonded, such as tree removal. These businesses carry a high risk of being sued for damages; therefore, you will want to form your business so that you have personal liability protection. Corporations and LLCs offer the best protection for these types of businesses as they shield your personal assets from your business debts and claims. While you could lose your business, you would not lose your home or other personal assets.

Weigh the Pros & Cons of Each Business Type

There are pros and cons to each business type. Some business types are easy to set up and run, such as a sole proprietorship or partnership. There are no special forms to file or fees to pay in order to start your business, other than obtaining a business license. In addition, there are no special rules to follow when running your business. Therefore, if your business does not require that you be bonded or that you obtain any special insurance, then establishing your business as a sole proprietorship (if you will be running the business by yourself) and partnerships (if you will have one or more partner) will be your best bet.

Forming an LLC or Corporation

If you form an LLC or a corporation, you will spend more money and have more paperwork to file. There are also rules that you must follow when running an LLC or a corporation, such as electing officers to run the company. Most states require a minimum of a president, vice president, and a secretary. You must keep records of your business decisions.

The Effects of Income Taxes

Then there are the income taxes to consider. With a sole proprietorship, a partnership, or an LLC, you are taxed the same way. Considered ?pass-through? tax entities, these businesses pass the profits and losses through the business directly to the owners. The owners then report the profits and losses on their personal income tax returns. That means no double taxation on the business profits as taxes are only paid once and less tax paperwork to keep up with. However, you are required to report all of the business?s net profits on your taxes regardless of how much or little money they actually take out of the business.

With a corporation, the corporation must file a separate tax return and will pay taxes at a special corporate tax rate on the net profits. The owners will then pay taxes only on monies received from the corporation in the form of salaries, bonuses, and dividends. The corporate tax rate is lower than the individual tax rate for the first $50,000 to $75,000.

What about Stock Sales?

Establishing your business as a corporation will allow you to sell ownership shares in the company through a stock offering. This will make it easier to raise the investment capital that you need and can be an incentive when hiring employees by issuing employee stock options. However, if you never plan to issue stock, then forming a corporation most likely isn't the best option for you due to the added expenses and paperwork required.

Perhaps you are asking yourself, what happens if my business needs change and my initial business type decision no longer works for my company? You do have the right to convert your business to another type later. Therefore, if you are still uncertain as to which type of business to form, pick the simplest one that appears to suit your needs at this time knowing that you can change it later.

About the Author: M. Garcia is a representative of Arizona Legal Briefcase . She and her team have the ability to file small business formation documents in Arizona, including LLC?s, LLP?s, and other corporations.


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Why & How We Can Teach Our Children on the Merits of Property Investment

Editor's note: This guest post contributed by Jack Photon

investment-real-estateOne of the best things a parent can teach a child is how to manage their personal finances. Parents teach this both through words and actions. Beyond the basics such as how to manage a credit card, balance a check book and budget, parents can also teach their children the merits of property investment.

Owning a home can be a rewarding experience, or it can be a devastating experience that can ultimately lead to bankruptcy. Financially savvy parents can teach their teen and teenage children several important lessons when it comes to buying a home:

1. Save for a down payment. Many of the homeowners who find themselves having difficulty paying their mortgage currently are in trouble because they took out two loans, one for 80% of the home’s price and another for 20% of the home’s price because they did not have the 20% down payment recommended. True, it does take time to save up a down payment for a home that will cost several hundreds of dollars, but home ownership should not be rushed.

2. Have a hefty emergency fund. Home ownership involves more than just the mortgage payment. There can be expensive repairs such as a new heating and cooling system or a new roof. If children are taught to have an emergency fund, as homeowners, they will be able to afford these unexpected repairs.

3. Check home loan comparison sites. The home loan interest rates can vary from institution to institution, and the lower interest rate one can obtain, the less one may pay on a monthly payment and the less one will pay over the life of the loan. When I was young, my mom showed me every month how much of her payment was applied to the home’s principal and how much was applied to interest. This was during the 80’s and record interest rates; I still remember the shock of how little actually went on the principal.

4. Consider buying a two or three flat. One of the most economical ways to own a home is to buy a two or three flat; live in one of the floors and rent out the other ones. Savvy parents will teach their children that the renters will then be paying most, if not all, of the mortgage. If there is a surplus every month, it could be used to begin investing in more properties, which will then generate more monthly income.

Parents have so much more to teach their children than just the basics. If they focus on teaching them the ins and outs of property investment, their children will be one step ahead of their peers and on their way to a wealthy future.


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How Greed Kills You in Stock Market

capital-investmentStock market is not the place for emotions, especially greed and fear. Greed is directly connected to bull and fear connected to bear market, the two phases dominates stock markets to make real investors rich. When people approaches stock market with greed, prizes would start zooming up because of heavy buying with a speculation on possible uptrend of prices. Other hand, when traders fear about the losses, they start selling stocks which would drag down the stock prices heavily.

Traders generally interested to purchase and sell shares in the same day to book profit. To get rich immediate, people considering trading activities are the best. With such greedy mentality, thousands of people getting attracted to stock market day trading everyday. There is nothing, but just greed to become rich in a fortnight.

Greed is like a spitting cobra. It can either make people blind on realities or kill permanently by washing of the total wealth. When approaching stock market with an intention to make money to become super rich in a day or two, people committing big mistakes by compromising their wealth to huge certain loss. There are no reliable story about any day trader became super rich. Profit from day trading would generally low but the possibility of loss are high.

Even though, more and more people attracting to stock market daily. Lack of knowledge on stock trading and investing is a major reason for this mentality. Such people certainly understand the meaning of both, trading and investing, but majority would have been lost their money at that time or have been in the trap of huge debt from where they would not be able to escape easily.

Some other people later never enter to stock market due to such lose even though great opportunities a re present. it is quiet natural, any cat which fall down to the hot water later fear to approach the cold water too.

What is best?

It is difficult to understand the traders about the dangers behind the trading activity they are involved. As long as greed to money dominate hearts, it is difficult to turn such people to the right path and the only option is let them learn from huge losses. One of the happiest thing is, there are history which shows lots of loss driven traders later turned as good investors and made millions choosing this right approach than trading where they have involved and failed earlier.

Most of the people are greed. Money and its enormous power to get all the enjoyments would thus attracts thousands of youngsters as well as aged to trade in stocks. As a true believer of god, I can pray in some words "God Save Them. They Don't Know What They are Doing"

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