Finance & Investment Articles

1. Investing in the stock market - 9 power packed tips!

By Charles M. O'Melia 1. Do not spread your money too thin. My friend has a little over $200,000 invested in the stock market through 27 different Mutual funds. In my opinion, 27 Mutual funds is 27 too many collecting load fees, management fees, commission fees, operating and advertising fees. Diversity is important, but just as important is over-diversification. Also, in my opinion, $200,000 should not be put into... read more

2. Defining a long-term investment in the stock market

By Charles M. O'Melia You have permission to this article either electronically or in print as long as the author bylines are included, with a live link, and the article is not changed in any way (typos, excluded). Please provide a courtesy e-mail to charles@thestockopolyplan.com telling where the article was published. (Word Count 1085) Defining a long-term investment in the stock market. For some “long term” w... read more

3. SBA Loans: Options, Benefits, and Lenders Part 2 of 2

By Cameron Brown In this second installment, we will further examine what kinds of SBA loan options are available, and for what kinds of businesses they are most advantageous. We will also discuss the different types of SBA lenders. There are several different lending programs f... read more

4. Home Loans and Mortgages – Shop Around for the Best Deal

By Charles Essmeier The real estate market has been booming in the U.S. for some five years now and a record number of Americans now own their homes. The mortgage industry has recognized the fact that people have all kinds of needs and incomes and has provided an impressive array of different types of loans. In short, there is a loan for most everyone. If you’re looking to buy a home, it’s comforting to know that ... read more

5. Pet Owner Are The Majority Population In The U.S.

By Thaddeus Collins According to recent statistics, an astounding 65% of all U.S. household have at least one pet, and in many of these homes, their pets are considered part of the family. With so many homes containing pets, it is no wonder that so many laws have been created to protect our pets. Agencies that might not have existed just a decade ago, like the Society for the Prevention of Cruelty to Animals (S.P.C.... read more

6. Credit Building Strategies

By Jonathan Cheong If you are attempting to build your credit there are many strategies we can look at to help you get started. If you have no credit, bad credit or good credit, building credit is important since regardless of your situation, you do not want to go down. Strategies for Building Credit: If you do not have any credit at all, you will need to start somewhere. One strategy for building credit is ... read more

7. What is a Cash Advance Loan?

By John Mussi A cash advance loan is a short-term loan secured by your paycheck. It is also known as a "Payday Loan". A cash advance loan is a quick and confidential way to get a cash advance until your next payday. A cash advance loan is a short term, high rate loan, where the lender requires the loan to be repaid on your next payday. Your funds can be used for anything you like, such as car bills, ... read more

8. A Guide to Banking Services

By John Mussi Many of the important choices that you make in life concern financial matters… from choosing investments to shopping for groceries, money is an important part of everything that you do. When it comes time to make a decision concerning how you want to handle your money, it's generally best to know all of the options that are available to you before you choose a single option. Here are a few of t... read more

9. A Brief Look at Homeowner Loans

By John Mussi Homeowner loans are useful ways to get the things that you need… a loan based on the value of your house, yours to use in whichever way that you need it most. Unlike some financing loans which can only be used for very specific purposes, homeowner loans can serve a variety of purposes… alternate means of auto or vehicle financing, home repairs or improvements, educational expenses or business e... read more

10. A Guide to Direct Homeowner Loans

By John Mussi Are you considering applying for direct homeowner loans? Perhaps you're simply wanting more information on direct homeowner loans so that you'll be able to make an informed decision? Direct homeowner loans can be very useful for a wide variety of purposes ranging from purchasing new vehicles to consolidating old debts, but as with all loans should be researched and carefully considered before a... read more

11. A Beginner's Guide to Finding a Loan

By John Mussi Finding a loan can be a hassle sometimes… though there may be a large variety of options available, it can be difficult to determine which of the choices available to you will best suit your needs. One of the best ways to find a good loan that will meet your needs is to shop around, comparing loan rates from different lenders and seeing whether a traditional lender such as a bank or finance com... read more

12. Finding and Getting Bad Credit Loans

By John Mussi If you don't know where to turn for bad credit loans, you're not alone. Thousands of people struggle with their finances month after month, weighted down by a credit rating that they don't know how to fix. Bad credit loans can be found in several forms, however, and can occasionally be quite easy to come by. Whether you only need a little money to tide you over until your next payday or you... read more

13. 6 Things to Consider Before Refinancing

By Rob Sallay Perhaps you’re a homeowner in need of some quick cash. Maybe you want to consolidate your debts so you have better control of your money. Perhaps a lender is urging you to refinance because interest rates are low, and he has a too-good-to-be-true deal that will shorten your current loan’s term. Here are 6 essential questions to ask yourself before making the decision to refinance. 1. W... read more

14. A Guide to Finding Fast Homeowner Loans

By John Mussi Sometimes finding fast homeowner loans can seem impossible… no matter what you do, it seems like traditional lenders such as banks and finance companies take way too long to process loan applications. Fast homeowner loans can be had, however… the hardest part is finding out where to look. Of course, the best part is that because of how the loan is structured, even people with less than perfe... read more

15. A Fresh Start for Family Finances in 2005

By Rob Sallay While 40% to 50% of us make New Year’s resolutions on January 1—a ritual that has existed since ancient times—approximately 60% to 80% of us have already broken them by the end of February, according to researchers. It’s still not too late, however, to reset the trajectory on your family’s finances, experts note. 1. Build a Budget If you haven’t already done so, create a realistic budget. ... read more

16. Finding the Best Secured Loan for Your Money

By John Mussi If you're looking for a secured loan, there are several options available to you. Most banks and finance companies will issue a secured loan to people with good or bad credit… since the loan is secured, there is a much lower chance of them losing their money if the borrower is unable to repay the loan. Let's take a closer look at secured loans, examining how they work and some of the different... read more

17. Faxless Payday & Cash Advance Loans - Fast Cash, No Faxing Loans, The Easiest Payday Loan Proce

By Carrie Reeder If you are in a hurry for a payday loan, the last thing you want to have to do is fax in your documents of verification. That’s no problem, nowadays, you can find many payday loan or cash advance loan companies that can verify your income and identification without you having to fax in any documents. To see a list of recommended faxless payday loan companies, click on the link toward the end of... read more

18. A Personal Stock Market Investment Philosophy

By Charles M O'Melia You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please email to mailto:charles@thestockopolyplan.com Word Count (689) A Personal Stock Market Investment Philosophy ∙ Make every investment in the stock market a long-term investm... read more

19. A Guide to Getting Bad Credit Home Improvement Loans

By John Mussi You might be wanting to look into bad credit home improvement loans but are unsure of where to start. After all, how do you get a good loan when your credit isn't the greatest? What you probably don't realize is that there are a number of lenders who offer bad credit home improvement loans, which use the equity of your home or other real estate to determine the amount of the loan with no additi... read more

20. A Guide to Finding the Cheapest Home Improvement Loan

By John Mussi To find the cheapest home improvement loan that you can, you need to realize that there are a lot of factors that can affect the amount that you pay. The equity that you have in your home or real estate is a major piece, but other factors that are considered are your credit history, national and local interest rates, the amount you want to borrow, and even the types of repairs or improvements ... read more

21. An Old Dividend Stock Investment Idea, for a New Generation

By Charles M O'Melia You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please email to mailto:charles@thestockopolyplan.com (Word Count 343) An Old Dividend Stock Investment Idea, for a New Generation Death and taxes! The certainties of life! And then, of cour... read more

22. The best time to fix bad credit is now

By Darren McLaughlin The Best Time to Repair your Credit is Now By the time you become interested in credit, 2 things have probably already happened: 1) Your credit is bad, and has been for sometime 2) You want something in life like a new car or house and your poor credit is preventing you from achieving it At this point, you'll embark on your credit repair journey, and if you persist, you'll end up on a ro... read more

23. Christian Debt Consolidation – Feel Comfortable About Managing Your Debt

By Charles Essmeier Many Christians feel uncomfortable with the notion of being in debt, and even more so when the debt has gotten out of control. Some say that it is not acceptable for Christians to owe any money, even for such necessities as a home. Others feel that such debts are acceptable as long as debt does not place a burden on the family’s finances. In recent years, the number of debt consolidation ... read more

24. Is it time to hang up on investments in wireless?

By Sam Subramanian During the go-go days of the late 90s, capital was cheap and wireless service providers invested heavily amid ever increasing projections for wireless subscribers. Then the bottom fell off. Brutal price competition and the resulting customer churn took a heavy toll on operating margins as the DJ Wireless index swooned over 90% from March 2000 to October 2002. The industry has been getting its act ... read more