http://www.articlealley.com en-us editorial@articlealley.com If you have left your employer to pursue another job then there is something you should consider taking with you something that many employees leave behind: their retirement plan. Specifically, if you have a 401(k) plan leaving it behind could be a proble... http://www.articlealley.com/article_120520_19.html 16th January 2007 If you recently fired for bankruptcy and wonder if your credit can ever be restored, take heart: it can. No, you may not be able to qualify for an auto loan or a mortgage for some time, but you could see credit improve at a steady pace if you follow the t... http://www.articlealley.com/article_120481_19.html 16th January 2007 As the cell phone market continues to evolve you can expert that companies that like to provide accessories for cell phone users will continue to change in order to keep up with the times. Headsets and holders are two areas always in a state of flux but s... http://www.articlealley.com/article_120439_45.html 16th January 2007 The huge proliferation of cell phones over the past decade has created an all new and very lucrative industry centered on this important medium of communication. Everything from cell phone holders to hands free devices have been developed to enhance the e... http://www.articlealley.com/article_119773_45.html 13th January 2007 One of the great things about ringtones is you can get some quality tunes for free. More and more cell phones are coming with some decent songs, but even better are the packages being touted by companies pushing free ringtones. Yes, if you are going to be... http://www.articlealley.com/article_118966_45.html 11th January 2007 Cingular is one of the largest cell phone providers in North America, competing successfully with the likes of Nextel and T-Mobile for market share. Cingular users enjoy a broad network, a competitive plan, and the widest variety of phones that the indust... http://www.articlealley.com/article_118665_45.html 10th January 2007 Does it surprise you that the majority of ringtones downloaded are by young users, particularly those in the 18 to 25 age group? Well, it shouldn’t be. After all, this age group has a good chunk of discretionary income available to it as many young peop... http://www.articlealley.com/article_118622_45.html 10th January 2007 Not everyone likes ringtones and some have found ringtones to be downright annoying. Recently, a Muslim cleric issued a fatwa (edict) against ringtones especially after a cell phone rang during a service. While users of a cell phone are not likely to be b... http://www.articlealley.com/article_118546_45.html 10th January 2007 Donating to charitable causes is not only morally correct; it is also a good financial investment, because one can claim tax deduction on their charitable donations. If one is donating to charitable causes, then it is wise to inform the tax agencies ab... http://www.articlealley.com/article_118471_15.html 10th January 2007 Certainly credit cards are of not much use to you in case you are having a good bank balance right now. In verity, credit cards are the most expensive loans that banks, department stores and gasoline companies provide. It doesn’t matter how seductive th... http://www.articlealley.com/article_118294_15.html 09th January 2007 FOREX is a word play on the term Foreign Exchange Market. It is a market for buying and selling of currencies from all over the world. Certainly, such transactions are bound to be voluminous. It is just an estimate that there are about transactions of $1.... http://www.articlealley.com/article_118251_15.html 09th January 2007 When facing foreclosure, you may be considering different ways to avoid action being taken against you. One way is to immediately list your home with a renowned realtor in the hopes that she will bring the right buyer for you. Failing that, you may consid... http://www.articlealley.com/article_118159_19.html 09th January 2007 If you have taken out several student loans then the time to consolidate could be now. There are several great debt consolidation loan programs available to help you pull all of your loans together into one easy to make monthly payment. Stay tuned for som... http://www.articlealley.com/article_96321_19.html 26th October 2006 You filed for bankruptcy and after what seemed to be a lengthy time your application was granted by the courts. Fortunately, you were able to keep your house and most of your other debts including credit cards and one personal loan were discharged. Unfort... http://www.articlealley.com/article_95841_19.html 23rd October 2006 You can get a terrific rate on a new car loan and save yourself thousands of dollars in interest payments. Does this sound too good to be true? Well, it isn’t! Consumers are saving big on car loans and you can be one of the lucky ones too if you go into... http://www.articlealley.com/article_95770_19.html 23rd October 2006 One of the oddities of the credit system is that if you apply for a credit card and haven’t had credit before, you not only will probably get turned down but your efforts will work against you in the form of a drop in your credit rating. Almost as if pe... http://www.articlealley.com/article_95602_19.html 20th October 2006 Consumers looking for a great buy on a product are often drawn to sales at their local department store, retail chain, or factory outlet. Indeed, discounts of ten to fifty percent even more are possible it you hit these stores at the right time and the ex... http://www.articlealley.com/article_95540_19.html 20th October 2006 If you owe monies to several lenders are finding it difficult to keep up with payments, then perhaps some form of debt negotiation could work for you. What is debt negotiation and how is it accomplished? Keep reading and we’ll take a look at what can be... http://www.articlealley.com/article_95499_19.html 20th October 2006 The Internal Revenue Service allows for many different types of charitable deductions including cash, clothes, goods, and some services. One of the "goods" approved by the IRS that taxpayers may donate is their car. Although the IRS has tightened things u... http://www.articlealley.com/article_95408_19.html 20th October 2006 You have heard about them and have seen ads on the internet, perhaps even listened to radio ads or television spots about this financial product. What am I talking about? Payday loans, also known as cash advance loans or short term emergency loans. What e... http://www.articlealley.com/article_94999_19.html 17th October 2006 Investing in the stock market has become more popular than ever. And especially since brokerage services now offer Internet transactions that can be placed from home, work, or from the local cyber café; individuals have begun investing for themselves with... http://www.articlealley.com/article_75550_19.html 24th July 2006 Among those who buy and sell stocks there is an ongoing debate about whether the most profitable approach to stock market trading is short or long term investment. And the two sides rarely reach agreement, because one side is rather conservative in its ap... http://www.articlealley.com/article_75531_19.html 24th July 2006 Being a landlord is certainly a great way to make more money in the real estate business, because as a landowner who can also generate income through rental and lease agreements, you can often increase your earning power significantly. Not only do success... http://www.articlealley.com/article_75504_19.html 24th July 2006 If you have a construction project planned, you may want to adjust your projections to include the impact that will be felt from rising gasoline prices. As the price of motor fuel goes up, so does the price of goods and services that have to be transporte... http://www.articlealley.com/article_75492_19.html 24th July 2006 Saving money is much easier than earning it from scratch. But it is also much harder than it is to spend money, and as a result, most of us spend what we would rather save. In order to begin saving money, we need to have a plan, and the more automatic the... http://www.articlealley.com/article_75483_19.html 24th July 2006 As consumers we are constantly bombarded with offers and incentives to attract our business, and most of the time the solicitations are nothing more than basic junk mail. But sometimes an offer comes along that looks too good to be true, or at least too g... http://www.articlealley.com/article_75108_19.html 23rd July 2006 We encourage our kids to use piggy banks to save up for special purchases like bicycles and sneakers, but then we never consider taking our own good advice and employing the same means to save for ourselves as adults. But if anyone needs to save, it's the... http://www.articlealley.com/article_74950_19.html 23rd July 2006 Many of us dream of being our own independent bosses by going into business for ourselves. And most of us would jump at the chance to do what we enjoy, as a vocation. Realizing that kind of dream may be easier than it sounds, and people do it all the time... http://www.articlealley.com/article_74940_19.html 23rd July 2006 If you do an Internet search for companies that trade in currency, you may be surprised to find that there are dozens, if not hundreds, of web sites dedicated to promoting the purchase of the Iraqi currency. Many of them tout it as a get rich quick scheme... http://www.articlealley.com/article_74926_19.html 22nd July 2006 When you buy stock in a publicly traded company, you become a shareholder and are entitled to own a stock certificate of ownership, if the company issues those. In the past, some of these certificates have become collectible works of art or memorabilia, a... http://www.articlealley.com/article_74893_19.html 22nd July 2006 We have all heard of the familiar indices such as the Dow Jones Industrials or the S&P 500, but we don't necessarily know how they relate to us as investors. An index in a book helps us find a particular topic or subject within a big book, and similarl... http://www.articlealley.com/article_74855_19.html 22nd July 2006 Because we live in a day and age when it is easy to instantly connect to other parts of the globe, our economy and financial world has become much more global in scope and significance. When investment abroad looks attractive, there are also numerous ways... http://www.articlealley.com/article_74570_19.html 22nd July 2006 Travel is wonderful, and many of us would do nothing but travel the globe if we had the means to live that kind of jet-set life. And traveling to the far corners of the world is growing increasingly easy, with the Internet to connect us to friends and wor... http://www.articlealley.com/article_74542_19.html 22nd July 2006 Teens were described by one parent as "hormones in basketball shoes". Indeed, teens can be wild and unpredictable. A popular old Beach Boys tune describes how a teenager skipped school to drive fast in her father's T-Bird convertible car, and many parents... http://www.articlealley.com/article_74474_19.html 22nd July 2006 Online shopping was once seen as quirky and impractical, but it has proven that not only is it a viable consumer option, it is also a mega pipeline for billion dollar businesses. In fact, many experts expect to see the growth of the online shopping indust... http://www.articlealley.com/article_74459_47.html 22nd July 2006 You may want to be socially conscious and do the right thing, both in your own community and in the larger global community. Perhaps you are concerned about environmental issues or about opportunities for fair trade and human rights, or maybe you are pass... http://www.articlealley.com/article_74143_19.html 20th July 2006 Investing in the stock market sometimes boils down to one essential element, namely good choices. No matter how well we do our research, how often we buy and sell, or how much we pay experts for their tips and advice, without choosing stocks that represen... http://www.articlealley.com/article_74114_19.html 20th July 2006 When stocks are bullish – that is, when prices of the stock market in a steady rise – it is pretty easy for anyone to make money on Wall Street. Studies have any shown that in certain kinds of easy-money markets, novices did just as well as pros when it c... http://www.articlealley.com/article_73717_19.html 19th July 2006 Almost every homeowner considers the possibility that they could go it alone and sell their own home, in order to save on real estate commissions. Selling a home without professional help is often a quick path to significant savings, because paying commis... http://www.articlealley.com/article_73704_19.html 19th July 2006 For the moment, interest rates remain an excellent bargain. They hover near historically low levels, but as they begin what many experts predict will be a steady, continuous rise, many consumers are rushing to refinance and lock in those great rates. Seve... http://www.articlealley.com/article_73326_19.html 18th July 2006 Many lucky homeowners are using equity they gained during the recent bull market in real estate to purchase second homes. Leveraging one property in order to acquire another can be a solid investment strategy, as you increase your investment portfolio one... http://www.articlealley.com/article_73311_19.html 18th July 2006 Home equity loans are a great way to borrow, and although many homeowners use them for home improvement projects, they can also be used for other purchases, like car buying. Equity grows as the value of your property rises, and many consumers take advant... http://www.articlealley.com/article_73250_19.html 17th July 2006 Because of general stereotypes related to what constitutes real estate value – perpetuated by advertising and media hype – most of us are led to think that the wealthy real estate moguls got that way through high-priced mansions and posh resort property. ... http://www.articlealley.com/article_73020_19.html 17th July 2006 Real estate buyers and sellers are always looking for ways to time the market, and the ones with professional experience succeed because they do it by the numbers, not their emotions. One of the primary indicators for the housing market is interest rat... http://www.articlealley.com/article_72855_19.html 17th July 2006 Self-employed homebuyers generally have more difficulty getting a mortgage, because of the way their income is reported and because they are often perceived as not having the job security of others – if they get sick, for example, their whole operation ma... http://www.articlealley.com/article_72453_19.html 15th July 2006 Most homebuyers – especially those doing it for the first time – are faced with a tough challenge when it comes to closing costs. Enough consumers who have saved for many years may not have enough available funds to cover fees related to a major real esta... http://www.articlealley.com/article_72439_19.html 15th July 2006 Nearly half of all first-time homebuyers financed the entire cost of their home, rather than paying a hefty down payment. And many of these zero-down buyers did so thanks to the so-called 80/20 mortgage plan. This is a relatively new type of loan that was... http://www.articlealley.com/article_72400_19.html 15th July 2006 Occasionally many of us will experience the dread of a bounced check, this will result in an abundance of fee's that include an overdraft charge and a fee for the bounced check with the bank alone. Not to mention the fee charged by the establishment that ... http://www.articlealley.com/article_52661_19.html 12th May 2006 Credit cards, if used wisely, can be extremely handy and useful. By carrying a credit card you will eliminate the worry that comes with carry cash in regards to theft. Additionally, if you choose the right credit cards they could come with rewards when th... http://www.articlealley.com/article_51798_19.html 10th May 2006 In speaking of drawbacks of credit cards another form is the fraud of making copies of stored information upon the credit card, also known as "Skimming". This has become extremely popular for those who are making the business of stealing other peoples fin... http://www.articlealley.com/article_51763_19.html 10th May 2006