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| Note n°181 |
par eliqi7511
le 30/03/2013 @ 10:35
 http://www.louboutinpascheresmall.fr | Holidays can be a very taxing time for those people with low incomes or minimum disposable income,hollister. Marketers begin the festive hype months before the actual holiday and, despite their best intentions,louboutin pas cher Pros and Cons of Steppers, far too may people are drawn into the ever-spiralling credit abyss that results when expectations far outweigh income,hollister.
A lot of people depend on credit cards or personal loans to offset the cost of participating in the spirit of giving, yet few actually take the time to totally assess just exactly how much a loan is going to cost or how long it will take to actually repay it.
Interest rates are on the rise with the prime rate escalating to its highest level for the past six years. This is not good news for borrowers who obtain loans with fluctuating interest rates. If you absolutely have to get a loan to cover your holiday costs,louboutin pas cher, make sure you can negotiate for one that has a locked-in interest rate,hollister. The most effective way to achieve this is to shop around for the best rate with a payment plan that won't restrict your ability for repayment.
There are many different types of loans available and you should be aware of the implications and responsibilities of each one before you sign on the dotted line,louboutin pas cher. Some of the more common credit types are:
- Revolving (A line of credit extended to customers who may use it as often as desired up to a certain dollar limit),hollister deutschland,
- Charge (No pre-set spending limit, however,louboutin, the user will be required to repay any balance in full each month) and
- Installments (goods are supplied and payments made by the purchaser at a pre-determined date in installments over a period of time).
Another consideration should be the interest rate as it is applied to the loan. Your research should clearly define the following:
- Interest Rate: By far the most important consideration when borrowing money, interest rates can be calculated in a myriad of different ways. You should be aware of the costs involved in the various methods of interest application on your loan. Obviously you will want to secure the lowest interest rate possible,hollister online shop Whatever You Are Doing,hollister, yet you should be aware of determining factors like penalties for early repayment, mandatory payment protection insurance and other charges add to the cost of your loan.
- Term of Loan: Generally the shorter the term, the more advantageous it is to the borrower,hollister. Longer terms translate into more interest charges and higher costs to you,hollister Dissertation Literature Review,abercrombie.
- Annual Percentage Rate (APR): APR is basically the cost of credit as a yearly rate and takes into consideration the total amount financed, the finance charges and the term of the loan,hollister france. An APR does not usually coincide with the posted interest rate.
The bottom line for all credit-based transactions should be that credit is good when it is used to enhance your lifestyle as opposed to being a burden that can ultimately destroy your peace of mind and your credit score.
Always try to stay within your means when obtaining credit,hol |
| Note n°180 |
par zhishentc
le 30/03/2013 @ 10:35
http://www.ia-gmbh.de/hollister.html | Wall Street is a mess,hollister online shop, and investors are not happy.
As the federal government bails out "too big to fail" companies like AIG and Merrill Lynch, investors are worried that the big brokerage firms they depended on to safeguard their futures aren't up to the task anymore. As a result, many investors - big and small - are taking their portfolios away from their advisors and brokers and managing their investments themselves,louboutin pas cher.
That's what John O'Donnell, Chief Knowledge Officer of Online Trading Academy (www,abercrombie france.tradingacademy,abercrombie france Finding Car Parts.com) said is happening, based on what he sees as a dramatic influx of people who are taking steps to learn about navigating the markets' waters themselves.
"It's raining hard and heavy out there, and people are afraid that the people who have been guiding their investments aren't up to avoiding the deep puddles anymore," O'Donnell said. "Their 401Ks are turning into 201Ks, and 50 percent of the homes in America with stock holdings lost money last year, and one in five of the homes these people are living in are now mired in negative equity,hollister france. People are starting to ask the question, ‘Will I outlive my capital?' so something had to give,louboutin pas cher."
O'Donnell is seeing the trend reflected in the changes inside his own company, a global network of financial education centers aimed at teaching the modern investor how to pilot their investments through the pitfalls.
Online Trading Academy has seen a dramatic increase in students, which range in the key trading demographic of 45-70 year olds. The changes reflected in O'Donnell's business show that:
• Franchise locations are booming - The Company opened 12 new offices during the last 15 months - during the deepest recession in decades. That constitutes a 33 percent increase in the number of locations.
• Enrollments - The number of students enrolled at the school has doubled every year for four consecutive years.
• Age of enrollees - New students coming in are averaging in the 60-year-old range, a demographic that has traditionally hired brokers or advisors to help manage their money.
"The average individual investor has been led to believe that ‘buy and hold' is the best approach, that mutual funds are a smart investment, and that professionals will do a better job of managing their money," O'Donnell said. "The most important lesson the market has taught us is that those basic strategies don't hold water anymore. Buy and hold just isn't enough,hollister. The word ‘trading' has traditionally been associated with risky behavior, but the truth is the average buy and hold investor has lost more than 40 percent of their life's savings,abercrombie france How Do Digital Cameras Differ From Film O,hollister."
O'Donnell believes that three guiding principles can help investors take control successfully:
•,hollister france; Accept that the old investing rules don't apply anymore, but with and education and active portfolio management, you have an opportunity make money in any market condition
•,hollister; Learn to let go of any bias you may have for market direction, asset class or time frame and simply let the market tell you where the opportunities are,hollister. Learn to become a market-driven trader,hollister Cutting Through The Red Tape.
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| Note n°179 |
par hijudenkl2f
le 30/03/2013 @ 10:31
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| Note n°178 |
par wkjhtiw4rt
le 30/03/2013 @ 10:31
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| Note n°177 |
par nashixiomj
le 30/03/2013 @ 10:28
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