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For many recent college graduates the repayment period on their student loans is about to begin due to the end of the six-month grace period. As many graduates find their student loan payment booklets in their mailboxes, which typically arrive approximately 30 to 60 days before the first due date for payment, it is important for graduates to make their payments on time. Some graduates may be in a position to make the scheduled level repayment, while others will find themselves in a burdensome financial situation.

Phoenix-based NextStudent, the premier education funding company offers free advice and a variety of repayment options for students. Repaying student loans (http://www.nextstudent.com/student-loans/student-loans.asp) is serious business. However, there are various options depending on a graduates situation, most repayments are set to level repayment, unless otherwise noted.

Not every college graduate is settled into life after college, and not every graduate is employed. Some graduates still are searching for a job while others have moved home to save money. Life immediately after college can be a little stressful. There are so many things to get in order along with a new job, such as a place to live and a vehicle to get you where you need to go.

By contacting NextStudent after receipt of their payment booklet, graduates can speak to Education Finance Advisers and receive free guidance about the other available repayment plans. Income-sensitive and extended repayment plans are available by directly contacting the lender. With graduated repayment plans, graduates agree initially to pay lower payments. However, the payment amount increases every two years. This is a good choice for those graduates who feel or know that their salary will increase over time.

Forbearance is an option that graduates can use for any given reason. Graduates can use forbearance for up to three years. However, it is important to note that interest continues to accrue throughout the forbearance period.

There are those graduates who opt to defer their student loan payments. With deferment, student loan payments are postponed for a maximum of three years. While in deferment, interest will not accrue on subsidized loans. Graduates must show economic hardship to be eligible.

There are many available options for student loan repayment. NextStudent knows that when a grace period ends, it not always is the best time for graduates to repay their student loans. The Education Finance Advisers are there to help students and graduates with all the questions they may have regarding repayment and the options available to help make life easier and more manageable including student loan consolidation (http://www.nextstudent.com).

About NextStudent

NextStudent, http://www.nextstudent.com/, federal lender code 834051, is dedicated to helping students and their families find affordable ways to pay for college. NextStudent offers one-on-one education finance counseling and has a portfolio of highly competitive education finance products and services including a free online scholarship search engine, federally guaranteed parent and student loans, private student loans, both federal and private student loan consolidation (http://www.nextstudent.com) programs, and college savings plans.

The NextStudent Scholarship Search Engine, one of the nations oldest and largest scholarship search engines, is updated daily, available free of charge, completely private and represents 2.4 million scholarships worth $3.4 billion.

For more information about NextStudent and its student loan programs, please visit the companys Web site at http://www.nextstudent.com/.

Jeff Mictabor is an enthusiast on the topic of student loan issues in the news. He has been writing for the past 10 years for a variety of education publications. He now offers his writing services on a freelance basis.Mortgage Lead Transfers
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They had it even before we knew what was happening. My rod bowed in prayer to something below the tea-colored waters surface. The six-pound test line danced like a cat on a hot pavement. All hell had broken loose. Beads of sweat rolled down Doris' back. Her clothes were now a second skin, clinging to her every move. We panted for breath. We had fish on. The silvery oval-shaped body and red belly of a Piranha broke the surface. I reached for it. "Don't let a finger get near their mouths or you'll lose it", our native guide barked.

Minutes earlier, I shuddered from a breeze escaping from somewhere up ahead despite 85 degree-plus heat. The double-digit humidity didn't help either. A maddening buzz filled my ears, but thanks my coating of Vick's Vapor Rub, the blood-suckers wouldn't feast on me. My eyes burned. My nose dripped. A coffee-table-sized leaf or hanging branch slapped into me every few steps. Curses burst from my lips even with my best efforts to become as one with the rainforest, as the indian had.

Our fishing rods extended from 18" to five and a half feet. I'd hoped the light mono would suffice, although I'd squirreled away spools of twelve and twenty pound test as an afterthought. If we tagged into a 50-plus pound Tambaqui even that wouldnt be enough. Vines as thick as my wrist dipped into light coffee-colored waters making little ripples as it slid past roots and fallen branches. Tangled growth matted the gentle slope of the bank into tea-with-milk colored wetness. Id flicked a thumbnail-sized chunk of bloody chicken liver on a barb-less hook with a split shot into a dinner plate-sized swirl just beside a snarl of mangrove roots jutting upwards through the surface.

Minutes later, his tanned skin gleaming with moisture, our guide demonstrated the efficiency of the scissor-like teeth. A green leaf held near the gaping mouth instantly sported a neat, crescent-shaped bite. Three heavy blows to the head prepared the killer for cleaning. After cleaning, the Embera made a series of diagonal cuts along each side of the fish. Into these he carefully rubbed a mixture of salt, garlic, and ground roots from a small gourd he carried. A simple shaved branch frame held the fish over a smoky fire of glowing coals. The firm toasted flesh tasted smooth and a bit earthy, like a seasoned and mellowed catfish. With a wink and a sly nod towards Doris he said. Make these heads into soup and you will need many wives. She glanced at me with a puzzled look. I smiled.

The Perfect Killing Machine

The Amazon is filled with danger. Soldier ants march by the millions devouring all life in their path. Submerged up to the eyes, Crocodiles lie in wait for the unwary whatever or whoever that may be. Undulating its 20-foot length beneath the surface, the Anaconda, one of the worlds largest snakes, uses heat-seeking guidance to find its next meal. The barbed stinger in the tail of platter-sized stingrays can inflict a wound that takes months to heal. But none of these carry the fearsome mystique of the voracious Piranha. Ranging through South America from Brazil to the lowlands of Peru, they also inhabit waters in Venezuela, Guyana, Colombia, Ecuador and Bolivia. In the Amazon and Rio Negro rivers of Brazil and the Orinoco River in Venezuela, no creature is safe from the Piranhas razor-sharp teeth and powerful jaws. The serrated teeth fit together like scissors, enabling Piranha to cut the flesh from their prey. Like a shark, a Piranhas teeth are replaceable, when one breaks off a new one grows in its place.

The Yagua Indians of Peru often use the sharp edges between the teeth of a Piranha jawbone to sharpen the point of their blowgun darts. A fish that is dying or swimming erratically will be quickly attacked by a large school. Piranha will also attack without warning to defend their eggs and territory. A wounded animal that strays into the water will be stripped to the bone so quickly it seems almost to dance on the surface as its ravaged from beneath. A bird that falls into the water will be gone, feathers and all, in three minutes or less. A trapped fish struggling in a net will be chewed clean to the head in a matter of seconds. Attacks on large animals and humans are often dramatically portrayed, but are rare. In some regions Piranha are known as "donkey castrators".

"They will rend and devour alive any wounded man or beast. U.S. President Teddy Roosevelt said, adding, Piranha are the most ferocious fish in the world." Piranha, also called Caribe or Piraya only furthered their fearsome mystique when Roosevelt encountered them during his exploits in 1914. There are about 35 known species of Piranha but only five species represent a danger to man. Species range from the Red-Belly Piranha (Pygocentrus nattereri) with its characteristic red belly to the largest of the carnivorous species, the Black Piranha with its demon-red eyes and a 17 and a half inch long dark body weighing up to ten pounds. It could remove a mans hand in two or three bites.

Most species dine on fruit or seeds that fall into the water from overhanging trees. The fish are not always aggressive. Women wash clothes in knee-deep water where men spearfish while children bathe or swim in these same Piranha-infested waters without harm. Further adding to the Piranhas mystique, Indian men with half a dozen wives and up to a score of children attribute their potency to Piranha-head soup, although no scientific justification for the soups potency yet exists.

Fishing for Piranha

Piranhas are usually part of indigenous peoples diet in the areas where the fish are found. All you need to go Piranha fishing are lines with a metal leader next to the hook so the fish doesn't bite through the line, a supply of red, raw meat (worms or cut-up fish will do too) and a bit of luck. Piranha swim in large schools and are attracted by movement and blood. In May of 1999, hundreds of anglers armed with rods, reels, and raw steak flocked to the Brazilian town of Aracatuba near Sao Paolo for a one-Sunday piranha fishing tournament. The townspeople had declared open season on the flesh-eating fish, which had decimated other species in the local river. The prize for the tournament was an outboard motor. But most fishermen were content to go home with plenty of the reputedly aphrodisiac piranha, claimed then town spokesman Nelson Custidio.

Piranha, earning their notorious reputation by reportedly killing 1,200 head of cattle every year in Brazil, is some of the best eating in South America. Whatever name you call them and no matter where you try them, when cooked in a variety of ways, their firm light flesh with its smooth, slightly nutty flavor, is a taste youre sure to enjoy.

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In todays world, basements are no longer simply places to store things like a glorified garage. With the price of housing ever on the rise, many people are converting their basements into rental spaces where they can make a little extra income each month. There are also a lot of folks who want to create a refuge space for reading or meditation or even a home theater in their basements. In this article I am going to talk about soundproofing your basement from the tenants below or from the noise transmitted by a home theater.

The first order of business is to talk about the ceiling. Many times pipes and conduits as well as electrical and cable lines run between the joist cavities in a basement ceiling. A lot of people feel that need to have access to these components, but in order to achieve great soundproofing, there devices need to be sealed up by constructing a sealed drywall ceiling below. If you are concerned about the plumbing and wiring, have a professional come in before your drywall in your new ceiling. Remember that 90% of your plumbing and wiring is behind drywall and if there are problems with them then naturally the drywall will need to be removed. My point here is that if the plumbing and wiring has been inspected and given a clean bill of health, then go ahead and seal up the ceiling below.

Generally most basement areas have low ceilings which prevents us from installing a fully floated ceiling, however there is always room for materials like mass loaded vinyl that can be stapled or nailed directly to the bottom of the joists like a membrane. You will caulk all of the seams as well as around the entire perimeter of the MLV using a good quality acoustical caulk, stay away from cheap silicone caulks, they do not work as well.

Once the MLV membrane is caulked and sealed properly, it is advised that you also tape the seams with a lead tape or a mass loaded vinyl sealer tape. You will tape directly over the dried caulk. Now it is time for a layer of drywall. I would recommend a layer of 5/8 fire code drywall. This application will stop most of the airborne sound transmission and some of the impact noise from above, but the best way to alleviate the majority of the footfall or impact noise is to float your ceiling using sound clips and metal furring channels. I will talk more bout them in subsequent articles.

There is one other method for soundproofing a basement ceiling that I will briefly discuss. Instead of using the mass loaded vinyl, consider installing 2 layers of sheetrock with a layer of Green Glue applied between the 2 layers. Heres how it works. First you make sure you have your batt insulation in place between the joist cavities, this is only necessary if your need the thermal protection of the insulation. Next you would screw in a layer of 5/8 drywall. Always screw in your drywall; never nail it in especially in a ceiling application. Then you will lay out your second layer of 5/8 drywall on saw horses, but on this layer you will apply 3 tubes of a product called Green Glue top the backside of the drywall. Green Glue is a visco elastic damping compound that is used to deaden or dampen the existing drywall and the newer layer that is being installed. You could apply only 2 tubes of Green Glue per 4 X 8 sheet of drywall, however using 3 tubes per sheet of drywall is much better for soundproofing. Once you have applied the Green Glue to the backside of the second layer of drywall, you will simply screw in the second layer directly over top of the first layer. A little hint here is to screw the second layer of drywall down as tightly as possible without pulling the screw through the drywall, this will insure the best dampening possible of both pieces of drywall.

After that second layer of drywall and Green Glue are installed, you will simply tape mud and texture the ceiling as you would a normal ceiling. Well, thats all there is to soundproofing a basement ceiling. For more information about soundproofing a ceiling, walls or floors, read my subsequent articles or simply call a reputable soundproofing company, they will be glad to help you. Until next time, this is Dr. BobOut!

Dr. Bob is the Senior Technical Advisor at Soundproofing America Inc, the leading authority in Soundproofing and Acoustical treatment technology.Mortgage Leads
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Mortgage Broker strategies are important as you very well know, but have you considered all the marketing you can do on a day to day basis. This is not the type of marketing where you put an ad in the paper or hire a call center. These are the little things you can do to make sure that your mortgage business continues to grow. These are the things that cost very little but are huge in terms of keeping business as well as high customer satisfaction.

First Tip

Whether you are sending out a letter, a card, or even an ad for the paper, make sure you use effective writing techniques. First among these is to make sure that you have a headline on everything you do. Whether people realize it or not, the headline grabs the reader. Once they see a headline, they are way more likely to read the rest of the piece of text. Always make sure that the headline has a benefit in it so that your client has a reason to keep reading.

Second Tip

Keep writing! For many people, the thank you note has raised their income by large percentages. Every person, customer or friend, loves to show appreciation. They like to know that you are happy for them and that you realize what they have done for you. When you thank them you are connecting with them and helping to cement a future relationship.

If you make it a point to write thank you notes every day, you can really help your return business. Thank people who didn't even work with you on a mortgage. You can thank those who did something for you: your mechanic, mailman, or even the teacher your kid has at school. Whatever you do, just make sure you send those thank you notes. It will definitely pay off for you.

Third Tip

Be a braggart. When you do something for a client, make sure you tell them. You want to make yourself valuable to the client for a couple of reasons: so that he or she understands why you are getting paid, and so that he or she would refer you to someone else in the future. This can be very valuable down the road. Even though bragging seems harsh normally, so be humble and just point out the things you accomplished because in business you want to be valued.

Fourth Tip

This is a strange one for many, but make sure that if you have a phone person, that he or she always suggests that you are with a client. If he or she says "I'm sorry but he is working with a customer right now, give me one second to see if he can take a call right now".

This allows you to look busy and confirms that you are worth the effort to work with. It also gives you an out if you don't want to talk with a certain person for one reason or another.

Last Tip

Though there is an unlimited amount of advice that could be given about mortgage marketing techniques, there are some that are certainly more important. One of those is this: never stop marketing. Even if you are the best mortgage broker that ever walked the planet, if you cannot market then it won't matter. Nobody will know you are great, you will have no business to close, and you will not make any money.

Above everything else, mortgage is about getting clients in your door. The rest is just paperwork and learning the ropes of the loan biz. With that in mind, there is one other thing you should consider:

Form realtor partnerships whenever you can. If you can find a program that will help you hook up with realtors the right way, you should jump on it. By giving yourself that extra advantage, you are enabling your business to grow without making yourself do more work.

With a partnership with the right realtor, you may find yourself with a large number of renters turned buyers on your desk each day. What a great way to run the mortgage business huh?

So no matter what you do, implement a new marketing tip each day. Try to send out thank you notes, thank people in person, look for times to brag about your self, and even try to keep marketing. Above all, find ways to form those partnerships. Getting hooked up with a realtor and with changing renters into buyers, you will grow your business faster than you ever imagined.

Shane Brooks is a hard nosed business man that doesn't take kindly to competition. His hard hitting no nonsense marketing techniques constantly makes waves for his competitors regardless of the market he is focusing on. Shane doesn't mind stepping on the toes of his competitors or ruffeling a a few feathers of the so-called gurus in order to level the playing field. For more info please visit http://www.MortgageSuccessBlueprint.comExclusive Mortgage Leads
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In this article we're going to cover some basic things to do and ask when choosing a daycare center for your child.

The first thing you need to do when going to a daycare center to determine if it's one you want to send your child to is ask them if they have any openings. This should be the very first question you ask. If their answer is no and you need daycare in the near future then they most likely will not be able to meet your needs. If, however, you really want this center then find out when they expect to have an opening and make plans.

The next thing you have to find out is where the center is located and how the traffic is in early morning or rush hour evening hours. If traffic is really bad you know that you're going to have to leave yourself extra time to get your child to the center and extra time for pickup, especially if the center closes at a certain hour.

The next thing you have to find out is what their hours of operation are. If the center has hours from 9 to 6 and you have to be at work at 8 AM then you are going to have a bit of a problem unless you can arrange to have someone else bring your child to the center. Most centers however do have hours long before normal work hours begin and long after normal work hours end. Just make sure you find out exactly what the hours are.

The next thing that's important to know is if there are any special holidays or dates when the center is closed. Not all businesses celebrate all holidays. For example, many businesses may be open on Martin Luther King's birthday. If yours is one of them and the center is closed for that day you are going to have to make plans for someone to either stay with your child or if possible bring your child to another center for a day or if worst comes to worst, bring your child to work. Make sure you know this well in advance.

Of course you are going to have to find out what the center charges and if there are any special supplies you will have to bring. Some centers provide diapers and food but many do not. So find this out in advance. Also, find out how payment needs to be made and when. Some centers require payment in advance and other allow you to pay at the end of each period, whether it be weekly or monthly.

It may not be a bad idea to find out the ages of the other children. If they are all older than your child you may not want to take your child to that center as there could be a greater danger of problems.

Find out if the center offers some kind of flex time in case you have a strange schedule. Some centers actually have a day shift and a night shift. Find this out if your needs require odd hours.

This may not seem important but find out what their turnover rate is. A high turnover rate may indicate a poorly run center.

Find out if there are backups to the main provider should he or she become ill. The last thing you want to find out is that you can't bring your child one day because there is only one caregiver and they are out sick.

Finally, find out if the center is certified. While this doesn't always mean the center is great, you'll have a better chance of getting a good center if it is certified.

By following the above tips you should have little trouble in finding a suitable daycare center for your child.

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On one weekend, a Saturday in particular, I decided to attend a seminar on home remodelling. I Usually prefer to call it home renovation. It was basically for the elderly people.

Am not in the elderly bracket but I decided to attend anyway because I was feeling a bit lonely and wanted to be occupied. On looking around the room, I saw that most people were in my age group.

Think it is because they have to meet most of the cost for refinancing the renovation of the home of their old ones.

This seminar turned out to be good to me and at the end I was convinced it was a good take.

In this seminar, it was revealed that research so far shows this:
It will probably cost anywhere from $100,000 to $150,000 to do a good renovation of a house for the elderly. This seems a staggering amount, until you consider that it would cost them from $3,000 to $5,000 per month if they were to rent a unit in a retirement facility in a location where they might not be as happy. Looking at it from that point of view, in four years or less, they would have spent the money anyway, and at least making home improvements allows them to continue to live in the same location and keep their asset.

The biggest challenge many older adults face when renovating their homes is how to pay for them. Many are on fixed incomes with few resources. Their property may have increased in value, but they are cash-poor.

During this seminar, a flyer was distributed that provided a telephone number for the city and county Elderly Affairs Division Rehabilitation Loan Program. Many cities have similar funds available as a means to assist individuals to stay in their own homes, rather than move to more costly facilities.

I learnt that the loan program was available to a person or family requiring home modifications, based on a health or safety need. The home loan program required that an application be submitted with information about the number of persons living in the household and their combined annual income. This information was then used to determine the interest rate for the loan. For example, for combined incomes of less than $41,000 or so, the interest rate was 2 percent; for less than $52,000, 4 percent; and so on.

Another thing I learnt is that you can also have an option, which is that of a reverse mortgage. A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her own home into cash. The equity built up over years of home mortgage payments can be paid to the owner, but unlike traditional home equity loans or second mortgages, no repayment is required until the borrower no longer uses the home as the principal residence.

Reverse mortgages are available through different lenders, as well as HUD. There are some property restrictions, but single-family homes, two-to-four-unit properties, condominium units, townhouses, and some manufactured homes are eligible. Generally, the greater the value of the home, the older the owners, the lower the interest rates, and the more one can borrow. This is good news right now, with interest rates so low, and it is an opportunity for your patients who have a higher annual income that disqualifies them from other programs. And if they live in an area of the country where land or home values are traditionally higher, such as Hawaii or New York, it may be the best option available for refinancing.

Given the sheer amount you have to invest or borrow, here is a checklist before you decide on any renovation project.

Consider the following before you decide how to finance your home improvement project:

-Talk to lenders about your options.

- Know that lenders are concerned about income, debts, credit history and property value.

-Consider a secured loan when you want to borrow more money, get a lower interest rate or reduce taxes.

-Refinance an existing loan if you have enough equity and if the rates are two points lower now than when you initially borrowed the money.

-Use a home equity line of credit that is secured by your home so youre your interest is tax deductible.

-Take out a home equity loan to get fixed rates and payments.

-Consider a homeowner loan that is secured by your property. Use a value added loan when the improvement you make will have a substantial impact on the market value of your home.

-Do your research before using contractor financing.

Good Luck

Get more information on home loans and loan consolidation by Lubowa.M.Planet. Visit http://www.softerdreams.orgMortgage Lead Programs
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You must have heard that signature loans are meant for people with good credit record. This is true in its basic sense, but, another veracious fact is that because of an increase in the number of bad credit holders, the lenders have come up with the option of bad credit signature loans. Your signature serves as an assurance to the lender. Let us find out the assorted ways in which you can qualify for bad credit signature loans.

For bad credit signature loans, your signature acts as collateral for the lender. There is no need to offer any assets. The term of repayment of bad credit signature loans is fixed and depends upon your promise to pay back the loan amount. One can make use of bad credit signature loans for any of his personal needs. These may include education loan, business purpose, holiday purpose, home improvement and so on. For your diverse range of financial requirements, bad credit signature loans are one solution.

The loan amount that you may qualify for bad credit signature loans is up to 15000 or more than that in certain cases. It depends a great deal on your requirement and financial status. The target borrowers of bad credit signature loans are individuals having defaults, arrears, IVA, CCJ in their credit record. Moreover, bad credit signature loans are going to serve a dual purpose. It would mend your credit record wiping out all the discrepancies in your credit record. The usual term of repayment of bad credit signature loans is 6 months to a few years as per the loan amount you have applied for.

For making most of bad credit signature loans, you have to know your credit record well in advance. Bad credit signature loans are offered by a large number of lenders, lending institutions, who can offer you most flexible deals.

Renita Vaughan is working with Loans UK Residents. She has a master degree in Business Administration and expert in financial advice. She writes about various finance related topics. To find bad credit signature loans, bad credit loans, bad credit personal loans, bad credit unsecured loans, bad credit home loans visit http://www.loansukresidents.co.uk/.Mortgage Lead Programs
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Bad credit does not discriminate persons and victimize even tenants with any tags like CCJs, defaults, arrears, and so on. To tackle such circumstance one might not have the adequate funds with him and seeking an external finance becomes the only way out. In such instances, bad credit unsecured tenant loans indeed provides a great relief to the tenants to combat the adverse or grave credit score.

With the passing of days loans are advanced in an easy way and most conveniently without against any property of the tenants. This provision is offered to tenants under bad credit unsecured tenant loans because they are unable to pledge property as collateral. The bad credit unsecured tenant loans are designed specifically so that tenants can easily borrow money and strengthen they financial base. The finance can steadfast or rein-state the credit scores from being financial catastrophe or rebuild the disturbed credit score.

Approaches of bad credit unsecured tenant loans are possible in both traditional and online device. With such provisions an individual can collect any required information from home or office. The online has also made it convenient to approve the loans from any part of the world by saving effort and time. The amount that tenants can borrow has limitations which mounts from 1,000-25,000 and for a short term, which starts and ends from 1-10 years from date of approval. Bad credit unsecured tenant loans are a sort of risk free loan scheme for the borrowers as they are free from the fear of repossession and pledging of collateral.

In the loan market, bad credit unsecured tenant loans are advanced or offered against a slightly higher rate of interest. You might have heard no pain no gain , so the pain you bear to collect and compare the numerous quotes can lead your efforts to marginal rates. Moreover, as you are already in a crucial financial stage so, calculate the monthly installments according to your repaying ability or else it can increase your financial hassles. So, with the assistance of bad credit unsecured tenant loans you are on your way of meeting your demands.

Turk Malloy works as financial advisor in Easy Bad Credit Loans. He is offering loan advice for quite some time. To know more about Bad Credit Unsecured Tenant Loans, bad credit tenant loans UK, unsecured tenant loans for bad credit, bad credit personal loans for tenant visit http://www.easy-bad-credit-loans.co.uk/Live Mortgage Leads
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1. working for someone

2. a professional or self-employed (exchange your expertise for someones money) = small business owner

3. a business owner

4. an investor

Most people opt for employment because they see it as a safe option. Job Security is what they want. However, as many people will tell you; due to downsizing and industries like the recording industry changing from records to CDs, where a skill is literally obsolete overnight, there is no such thing as Job Security. Think for yourself: What would you do if your boss tells you tomorrow that you have no job? How long will you be able to survive?

The second way is to be self-employed, or to be a professional. Some professionals have jobs, like teachers, nurses and doctors, but most have a practice or are self employed. Others are self employed by offering a service. If you ask someone who is self employed why he is self employed, he will often say: I prefer working for myself and not for a boss. That is just about the only advantage I can see. Does the self employed have fixed hours to work? No, they often work overtime. Do they have a fixed salary? No, if there is a bad month, they have to take a cut in earnings. They cant take holidays, weekends or days off.

The third way is to be a business owner this is someone who leverages his time by having people work for him, and/or own a big network of businesses, such as McDonalds.

The fourth way is to be an Investor someone who uses money as leverage.

You can possibly see from the descriptions above that the last two: Business Owner and/or Investor probably have the most money. Why do they have more money? There are two words above that give you a clue: Network and Leverage.

What is a network?

My Thesaurus describes it as: A system, complex, set-up, set of connections, and set of contacts. Examples of Business Networks or Systems: McDonalds, Wendys, Starbucks, Wal-Mart,

What is leverage?

My Thesaurus says: influence, power, force, control, pull, weight. Simply put, leverage is to get other people to do work for you so you can get more done. The owner of McDonalds has 1000s of people doing work for him in stead of him doing it all himself.

Can you see the power of leverage and networking? How can you use the power of networking? You can start your own business. However, starting your own business is quite difficult and very costly, and most people dont have the money to get started. You will have to come up with a new idea, or an idea that gives you a competitive advantage over an existing business. After putting lots of your own money into research, brand names, copyrighting and start-up costs, you will have to find loans somewhere with your business plan that your accountant wrote for you. Most people who want to start their own business take out a loan on the equity in their property, or take out a second mortgage on their house, to get started. Big business may start as a small business. But take care that you dont think your small business falls in this category. If you bought your small business, and you are running it, and it needs you to survive, then you just bought yourself a job. But true leverage is when you can walk away from your business and it can carry on without you.

However, most people dont have the resources to get their own business up and running. Besides, there is another problem for most people: Consider this scene: You have worked for a company for 15 years. You have been promoted a couple of times. Now there is an opening to become manager of your division. You and another guy both want that position. You have both worked hard for it, but only one of you can get it. Perhaps one of you wants the promotion so bad, he is willing to bribe someone for it - Is this fair? Most people can never dream of obtaining the top jobs.

Now we have to wonder: Is there a way that you can use the power of Networking and Leverage as well? Is there a fair structure where you get paid and promoted directly in proportion with your efforts? The good news is that there is. It is called Network Marketing. In Network Marketing, not only do you get paid directly in proportion to your efforts, but you have the power of leverage and networking working for you as well. You have exactly the same opportunity as anyone else to get promoted to the top positions. Now this is fair.

But isnt Network Marketing an illegal Pyramid Scheme? I hear you ask.

Though Network Marketing and pyramid schemes do share some similarities, theres a very important difference that makes the latter illegal. In pyramid schemes, income is generated solely on the process of recruiting others into the pyramid. Sometimes a product of service of questionable value is involved (that is never retailed to the general public by the way), but generally what youre buying is the right to recruit others into the scheme. This is illegal. Also, in pyramid schemes, those who get in first and who are at the top win, while everyone else loses. In a legitimate Network Marketing company, on the other hand, distributors are paid only on product movement, not on recruiting, both at wholesale and retail. Theres also compensation based on training and managing of your marketing team. And unlike illegal pyramids, in Network Marketing, no matter where youre positioned or when you join, you can advance to the very highest income levels and even make more money than those above you in the network.

In all business and government structures, the pyramid is the foundation. It contains the hierarchy of, and indeed shapes the role of, all who participate in the organization. Whether it is the president of the United States and his vice president, Congress, and all the way down to the local government employees, or Microsoft, where one guy sits on the top, followed by his vice presidents, all the way down to the mail clerks, the pyramid structure is ubiquitous. The first thing we should agree on is that there is no inherent problem with the structure of a pyramid.

In government and in business there are several features of the pyramid that are found consistently:

1. The further away from the pinnacle, the less power an individual has, and the less money he or she makes.

2. There is usually one person on the top and that position is typically unattainable to others in the organization. If someone lower down in the structure does assume that top position, it is still reserved for one person at a time.

3. Normally those at the top like to stay at the top. Those toward the top may have incentives to move up higher in their organization, but there is typically no incentive for those higher up to help advance those who are lower down to surpass them. The order of the hierarchy is somewhat sacred.

4. At each level in the organization job titles go along with salaries. Normally a person cannot assume more money or more power without the permission of someone above granting those advancements. Normally, people have little control over advancing. One cannot typically self-advance.

Going back to pyramid schemes versus legitimate network marketing, the contrasts and similarities need to be examined. One of the bad images of pyramid schemes stems from the fact that if there is no viable product, or just money is being moved around, the people at the bottom really do get a raw deal. If only money is being passed around, by the time an individual rises to the top, the money may simply have run out. This is bogus, illegal and frowned upon by the Direct Sellers Association, and the Federal Trade Commission. (Both the DSA and the FTC oversee and ordain legitimate network marketing companies.) Contrast this with MLM compensation plans in which income is only paid out to those who qualify with enough volume during that pay period.

In a pyramid scheme, the payout runs out because no such limits are set.

In a good Network Marketing company the product is so good it can stand on its own. So this is the way the money is made: From the product, not from recruiting. These are the features of a good Network Marketing Company:

1. Each distributor can surpass the level of anybody who came into the organization before him or her, if the new distributors performance is greater than the one already in the business.

2. Each new distributor is encouraged to become a CEO, or the top of his pyramid, by the encouragement, leadership, and training of those in his support team. Those above the new distributor in the organization are motivated to elevate the level of everyone who is newer in the business.

3. There is no glass ceiling, no job title with a fixed and limited salary attached to it. The system does represent financial freedom because the model for business growth and the ability to generate income are inherently limitless. The rewards, incentives, acknowledgements, etc. at every level above the new distributor, all the way to corporate, are authentic, on-going, effective, and inspiring.

4. There are no barriers such as race, education, gender, previous experience, etc. Anyone who does the work gets to the top. (Robert Kiyosaki, author of Rich Dad, Poor Dad, and of The Business School for People Who like Helping People has been a strong advocate of network marketing. He tells a story of having been the top salesman at Xerox; he was not promoted because he lacked a college degree.)

5. There is no single top position. There is unlimited room for these so-called top positions.

6. People can self-advance. We give ourselves a raise based on performance, not on politics, nepotism, returning favours, or anything else.

7. No ones earnings are limited to his or her own efforts. Through the process of leveraging ourselves, the bulk of our commissions come from other people like you and me, who want a better life. It is a business of teaching other people to teach other people, to teach other people, etc. It is an ethical, high-spirited, method of distribution, product consumption, and compensation.

Network marketing represents what we all crave: financial freedom, and time freedom. The opportunities for leadership and self-development are as great as the chance to make a lot of money. Whether or not you decide that this is for you, it is hard to beat this model for building an asset that will pay you over and over. Network marketing makes sense; it is the only viable model for creating financial freedom for the average person. And it is fair.

If you are ready to earn what youre worth click here for a look at a couple of excellent programs and a way to promote them: http://contractor816.payitforward4profits.com

Hannah du Plessis is a music teacher who has always been involved in the Direct Selling Industry in one form or another: From Tupperware to Avon. In December 2005 she discovered the joys of online marketing, started a home business and her own traffic exchange at http://www.planetraffic.com. She lives in New Zealand with her two boys.Live Mortgage Leads
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If you have accumulated some savings in a 401(k) plan while also racking up consumer debt you may be in a position to substantially reduce the interest payments you are making on your debts while earning a nice return on your retirement investments.

Before you decide to take this route though there are some things to consider.

1. Do you own a home?

If the answer to this questions is yes and you have some equity built up you're probably better off using a home equity loan to pay off your debts because it is an easier and less complex way to reduce the interest rate and payments on your consumer debt.

2. Will your employment be stable for the next 5 years?

Plan repayment terms vary but a common rule of thumb is non-home related loans from 401(k) plans have to be paid back within 5 years. Do not take out a loan amount that you do not think you'll be able to pay back within the plan repayment guidelines. Any money not repaid will be considered a distribution by the tax man and you will get hit with penalties and taxes that would negate any benefit to employing this strategy.

Also, you need to feel confident you won't be laid off, look for a new job elsewhere, or otherwise change employers for the amount of time it will take you to pay back the loan. If you leave the company most plans will require immediate repayment of the loan and any amount not repaid will be considered a distribution.

3. Will you be able to accommodate the repayments in your budget?

Unlike credit cards which give you the flexibility to vary payments. Typically repayment on loans from your 401(k) are fixed and deducted automatically from your paychecks. Before employing this strategy make sure your monthly budget will be able to accommodate the size of these payments and that you have the financial flexibility to take care of any unexpected expenses should the need arise.

4. Are you comfortable with the possible loss of return on your savings?

While you will be paying yourself interest on the loan you take, about 6% based on where interest rates are today, typically an investment in a stock fund would return more. So you have to decide if you will be able to emotionally handle a scenario were stocks take off and you're stuck with a cash return for a few of years.

5. What are the tax implications?

You will be repaying the loan with money that has already been taxed. When you withdraw money from your 401(k) in the form of distributions down the road those distributions will also be taxed. So you are being taxed twice on the earnings used to pay back the loan. Oftentimes if you earn a substantial salary then this strategy doesn't make financial sense unless your interest rates are exceptionally high.

At this point you may be thinking why would I ever employ this strategy. It seems too difficult and risky to implement. The reason is you could see substantial benefits to your finances if the math works for you.

Below is an example I use to demonstrate how you can figure out if paying off your debts this way is a wise decision.

Bill is 28 and has $10,000 of credit card debt. His salary has averaged $40,000 per year for the 5 years he's had his current job. He expects to remain with his employer for the next 5 years. He has saved 10% of his salary for the last 5 years and so he has $20,000 of savings.

The average rate of his credit card debt is 13% and the average rate of taxes he pays on his income is 20%.

If Bill paid off his credit cards without a loan over the next 5 years he'd pay $13,652.

Assuming Bill pays 6% interest on his loan his repayment will equal $13,382 over the next 5 years.

So Bill's gain from taking the loan is $3,652 (the amount he saved in interest payments) + $3,382 (the amount he payed himself in interest) for a total of $7,034.

Bill's cost are as follows. If he invested the money in an S&P 500 fund and earned 12% he would have $17,623 at the end of 5 years.

Because he has an average tax burden of 20% of income he'll have to earn $12,000 to pay back the $10,000 loan.

The total cost to Bill for employing this strategy is $4,241 (the difference between $17,623 - $13,382) + $2,000 (for the taxes he'll pay) for a total of $6,241.

So Bill's net savings from employing this strategy is $7,034 - $6,241 = $793.

$793 is nothing to sneeze at but Bill may still not want to take out the loan if he's unsure about his employment, expects his income to rise substantially, or if he's not comfortable he'll be able to afford the monthly repayment of $193.33.

Conversely, if Bill was a more conservative investor and expected a lower return on his money, if the average interest rate on his debt was higher, or if he expected his tax rate to decrease he would see more substantial savings from employing this plan.

There is no universally right answer to the question of whether or not to use a 401(k) loan to pay off consumer debt. Use the example above as a framework to figure out if the numbers work for you and then take the plunge if you feel comfortable.

Steve Miller is devoted to helping people eradicate their debt. The web-site he co-founded http://www.debtmd.com offers free debt elimination software individuals can use to create a personal debt elimination plan in 9 minutes and 34 seconds.Mortgage Lead Transfers
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When you first apply for a mortgage, you may feel youve stepped into a different culture with a language all its own. More than likely, your mortgage professional is throwing many new terms and expressions your way. Its the responsibility of that same mortgage professional to make sure you understand everything thats being explained to you, so you should never hesitate to ask them to stop and clarify. However, if you can approach your application meeting armed with some familiarity with mortgage terms, everyone can be more comfortable from the very beginning. Familiarize yourself with the following and youll be a step ahead of the average first-time borrower.

HUD: HUD stands for Housing and Urban Development, and refers to the US Department of Housing and Urban Development Settlement Statement documents pertaining to the house being financed. When your loan officer talks about having you sign the HUD, they are referring to that settlement statement. The HUD will detail all payoff information, including any fees associated with your mortgage loan.

LTV and CLTV: LTV and CLTV stand for Loan to Value and Cumulative Loan to Value (or Combined Loan to Value). LTV refers to the percentage of the homes value that is being financed. Thus an $80,000 loan for a $100,000 home constitutes 80% LTV. Higher LTV loans may carry higher interest rates and mortgage insurance than lower LTV loans. CLTV refers to the combined amount being financed between two loans for the same property. If the $100,000 home mentioned above has a first mortgage of $80,000 and a second mortgage of $20,000, the LTVs of those loans would be 80% and 20% respectively for a CLTV of 100%.

Designation 80/20: Designation 80/20 in the same line of thought, refers to the technique of obtaining 100% financing for a borrower without using a program that offers 100% in one loan. 80/20 refers to the percentage of the home that will be financed with each loan, 80% with the first mortgage and 20% with the second mortgage. 80/15s, 80/10s, and so on are also available and are options you should consider under the advisement of your loan officer or financial planner.

Stips: Stips are stipulations, and they are the requirements handed down by your lender and its underwriting department in order for your mortgage to be cleared to close. Common stips are copies of pay stubs, bank statements, and verifications of rent and employment.

VOR and VOE: VOR and VOE stand for Verification of Rent and Verification of Employment. Both may be required by your lender in order for your loan to be approved. Not all lenders and not all loans require either one of these.

HELOC: HELOC, while not something you will probably hear during your first mortgage experience, is one of the most common mortgage acronyms. It refers to a Home Equity Line of Credit, which is one option borrowers have for taking equity out of their homes. With a HELOC, borrowers can draw up to the full amount of the loan as many times as they choose, paying down all or part of the amount and drawing it back out again. In this way, a HELOC is a loan similar to a credit card, except that the interest paid on a HELOC is tax-deductible.

This is not a comprehensive list of the new terminology you may encounter when securing a mortgage, but familiarity with these terms will help you understand what your loan officer or financial planner is talking about when it comes time to finance a home.

Brad Stroh is currently co-CEO of Freedom Financial Network and http://www.Bills.com. If you would like more of Brads http://www.Bills.com/sitemap/, please visit the Bills.com information on http://www.Bills.com/creditsolutions/.Mortgage Lead Transfers
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People who have got themselves into the vicious cycle of multiple debts need to consider the option of debt consolidation. Debt consolidation comprises of merging all your pending loans into a single loan, and you now make a single payment to a single debt consolidation loan lender. This relieves you of the stress of dealing with multiple creditors and their multiple debts, which at times become unmanageable. Exercising this option also stops the harassment of receiving collection calls.

It does not matter the type of debts you carry your wedding loans, education, loans, car or credit card debts, and even your utility and other personal bills. These are all consolidated into a single loan for you to manage your debts easily.

As you keep on falling back on your monthly payments, it starts to affect your credit rating negatively, raising your stress levels. This has no affect on your ability to obtain debt consolidation loans. These are also available for those with bad debts. You are considered a bad debt if you have been defaulting on your payments regularly, are slow on your payments, carry huge arrears on your loans, or are thinking of filing for bankruptcy.

You can learn about debt consolidation from many online sites, or from debt consolidation agencies. Your understanding of your problems, and following the advice of professionals, will help you make a better use of your income, and reduce your debts. Other than state and federal agencies, you can seek counsel from the many private financial agencies dealing in debt consolidation.

Debt consolidation loans also include home equity loans and home refinancing. The advantage of such loans is that they are low interest loans, very much lower than the rates of interest being charged on your multiple debts. Ensure that you make your monthly payments in time as you will be risking your home.

Once you opt for debt consolidation, you are on your way to a stress free life.

Gibran Selman takes care of http://debtconsolidationcenter.net a website dedicated to gather information, on and off the internet, about debt consolidation and other related subjects.Mortgage Lead Programs
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