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Debt management. To be sure, the phrase has been in use for some time now and the Federal Trade Commission reports that there is a fast growing area of complaint involving the so-called Credit Management or Debt Management industry. But what is debt management anyway? And why do people consider it as either potentially lucrative or downright hazardous path to follow?

Introduction

The term debt management is actually an umbrella for a large group of debt-environment fun ...
Author: Tony Forster
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How To Budget Your Household Accounts
It is so easy to despair when you encounter your first financial crisis. You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome.
The important thing to bear in mind is, not to panic!

The most obvious first step is to prepare a budget and although it may not be everyone’s
Idea of fun it is nevertheless necess ...
Author: John Mussi
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Buying property in Portugal
Portugal has long been a popular choice for people, particularly from the colder climates of Northern Europe, looking to purchase a holiday home or a retirement home. Traditionally they have done so using offshore companies, mainly to avoid estate taxes. Unfortunately Portugal, along with some other countries, has made this route considerably less attractive by the imposition of swingeing tax penalties on offshore companies. The magnitude of these penalties can be seen from the examples below, Author: The Chesterfield Group
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Continuing change in the Offshore World
The offshore financial centres have been forced in recent years to review almost every aspect of the ways in which they operate in response to the international anti- money laundering laws and initiatives by major economies such as the E.U. and the U.S.A. to increase co-operation in the areas of preventing tax avoidance and tax evasion. These pressures continue and it is clear that the only way forward is for these centres to eliminate, as a priority, all forms of discrimination between differen ...
Author: The Chesterfield Group
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Yacht and Ship Registration in the Isle of Man
The maritime history of the Isle of Man dates from the eighteenth century and the Island is recognised internationally as an efficient and well- run centre for both registration and management. It was ranked third in the world by Port State Authority in September 2004.

The Marine Administration was established in 1984 and offers 24 hour cover for both yacht and ship owners. Local legislation has also been amended to adopt the “Megayacht” code and enable commercial yachts exceeding 24 metr ...
Author: The Chesterfield Group
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Residential Property Abroad
It is increasingly common for individuals to own more than one property and in many cases the first investment after the family residence is in a holiday home. Whether you are buying a place in the sun, a country retreat or a city centre apartment, if it is in a foreign country you will be exposed to an unfamiliar legal system and to taxes in the country concerned. It is therefore important, even before a contract is signed, to decide whether to make the purchase in your personal name or through ...
Author: The Chesterfield Group
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Taxation of Isle of Man Companies from April 2006
At the present time a company incorporated in the Isle of Man, owned by non-residents and which complies with the other statutory requirements, is not liable to Isle of Man taxation. Whilst locally trading companies pay tax at 18%, a qualifying offshore company pays a flat annual tax of Ј475 or Ј1,000.

The Isle of Man is however required to comply with the E.U. Code of Conduct on Business Taxation and other international initiatives designed to eliminate discrimination between taxpayers. ...
Author: The Chesterfield Group
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Buy to Let Property Investment
In recent years buy to let has been a popular way of investing in residential property. Stock markets are out of favour with many investors who have seen the values of their portfolios, endowment policies and pension funds shrink, whereas property has generally continued to rise in value. Interest rates are at historically low levels and mortgage finance is readily available on competitive terms from major banks and building societies. This brings property investment within the means of more inv ...
Author: The Chesterfield Group
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Apartment Financing Explained
So you’re interested in entering the world of property management? Have you thought about how you’re going to get into this potentially lucrative market? Let’s face it; unless you’ve just inherited a large sum of money or are otherwise independently wealthy you’re going to have to borrow. This is where apartment financing comes in.

Before you go down to the local bank or investment company, it might be a good idea to ask yourself how long you expect to own the apartment building or compl ...
Author: Cameron Brown
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Traders, Defend Against the Dreaded Death Spiral.
DTM: Decisive Trade Management and Using Trading Stops

It has often been said that there is only two ways to get hurt really bad on a stock trade, getting caught in a "death spiral" by not using DTM: Decisive Trade Management in the way of stop loses and having a stock halted on you. Halts you have zero control over. Death spirals are of your own making if you do not practice the use of stop loses.

Very simply stated Decisive Trade Management is keeping a stock form moving to far a ...
Author: Floyd Snyder
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Home Loans in the UK
MOHAMMAD AMIR
Chanceforloans.co.uk [WEDNESDAY, FEBRUARY 16, 2005, 00:00:00 AM]
--------------------------------------------------------------------------------
Owning a home is the most important dream of any person. It is one of the basic necessities of life as stated by Maslow in his ‘Theory of Hierarchy of Needs’. People generally desire to have a home which not only gives them shelter, but also should be the expression of their artistic tastes, and an object of pride. Owning a home ...
Author: Mohammed mir
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Investors - What Separates the Good Traders from the Bad Traders?
There are many forms of investing online. While I can give you a
list that is a mile long, these are the most common forms of
successful investments. Some of the following know how to invest
terms are:

1. Option trading
2. Future trading
3. Currency trading
4. Stock trading
5. Future trading
6. Forex trading (or) foreign exchange trading

I want to start this investing online critique out with a
story... On a beautiful late spring afternoon, twenty-five ye ...
Author: David Jenyns
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Reduce Your Debt
Do you want to reduce your debt? Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?

You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go f ...
Author: John Mussi
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Student credit cards: Basic guide
Many students start becoming consumers of credit when they get their first student credit card in college. Student credit cards can give them a highly convenient way of making purchases; however this is also a time of great responsibility as they start their first endeavor into money management.

You need to be careful when using your student credit card. This is the time you start building your credit report which will come into play when you start needing money to buy a house or a car. ...
Author: Jakob Jelling
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How To Avoid Money Problems
Everyone has to face a financial crisis some time in their life. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.

Have you considered preparing a budget?
The first step toward taking control of your financial situation, is to do a realistic assessment of how much money you earn and how much money you spend. Start by listi ...
Author: John Mussi
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Coca-Cola - A Value Stock?


There has been much talk lately about Coca-Cola and its potential as a value stock – as it now spots a dividend yield of 2.6% (which is the highest dividend yield since the late 1980s) and a P/E or less than 21 – right at the bottom of its five-year low.Moreover, the current price of approximately $43 a share is also near the bottom of its nine-year range – (nine years ago, the last former great CEO of Coke, Roberto Goizueta, was still at the helm of the company).Sure, Coke has had its o ...
Author: Henry To
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Getting Your Venture Lease Approved
Each year venture capitalists fund more than 2,500 start-up companies in the U.S. Many of these companies try to conserve their equity capital by approaching venture-leasing firms to secure equipment financing. By obtaining lease financing, these savvy firms are able to use their equity capital for high-impact activities like recruiting key personnel, product development, and expanding their marketing efforts.

What are the qualities that make some start-ups more attractive than others to ...
Author: George A. Parker
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6 Things to Consider Before Refinancing
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. What’s My Motive—and What Will It Cost Me?
Before you even consider a refinance, a ...
Author: Rob Sallay
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A Fresh Start for Family Finances in 2005
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.

Approximately 85% of your income should be set aside for necessities like housing, ...
Author: Rob Sallay
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The advantages of consumer credit counseling
Many individuals have been helped by consumer credit counseling to take control of their finances and to eliminate debt. Consumer credit counseling can work for you by teaching money management skills which can help you throughout your lifetime.

Consumer credit counseling can help you better understand your credit situation. It can help you understand the costs associated with misusing a credit card and make you a more informed consumer.

Consumer credit counseling is especially use ...
Author: Jakob Jelling
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Why bank overdrafts may be a bad deal for you
Many banks actively encourage their clients with low balances to overdraw their accounts. That means, if the customer writes a check or uses her debit card and has insufficient funds in the account, the bank clears the check by granting a temporary overdraft (a short-term loan), up to a specific limit. The customer is saved from the problems of bounced checks or interrupted shopping sprees.

Sounds like a good deal for the customers, right? That's what the banks say. They claim overdrafts ...
Author: Prakash Menon
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Should you ever take a payday loan?
Payday loans have many names -- cash advances, signature loans and paycheck loans, etc. Payday lenders provide quick and easy short-term cash to those who need money immediately. That's the big reason why they're so popular.

However, payday loans come at exorbitant costs. This can -- and often does -- lead borrowers into a downward spiral of rapidly escalating debt. Let's look at the issue from various angles to get a complete picture.

First, the pluses. Here's why cash advances m ...
Author: Prakash Menon
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What to check out when you apply for a payday loan
Are you thinking of going in for a payday loan to meet an unexpected expense? If yes, look into these seven things before you finalize one. This checklist can help you make smarter choices. You might even end up saving some serious cash!

First thing to consider -- do you really need that cash advance? Sure, you need cash right away, but have you looked at other options? The fact is, a payday loan is an extremely expensive source of funds, with Annual Percentage Rates (APRs) ranging from 3 ...
Author: Prakash Menon
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Facts you should know about loan types
When you set out to borrow, you often come across terms like unsecured loans, revolving loans, adjustable rate loans, etc. While these terms are more or less self-explanatory, it is still useful to be clear on their exact meanings and what they imply before you finalize a loan contract.

Unsecured versus secured loans

As the name implies, a secured loan is one where you offer collateral of some kind against the loan. That means, if you default on the loan, the lender has the right ...
Author: Prakash Menon
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Get rid of debt with simple steps
Someone who is not in debt appreciates a telephone ringing, because a person without excess debt does not fear creditors. A person without excess debt goes to the mailbox with general malaise, and doesn’t feel the stomach clenching fear when a handful of bills appear. Someone without a lot of debt can enjoy shopping, can handle the unexpected, and sleeps better knowing they have their ducks in a row. Life without debt is difficult to conceive or manage for many people, but a few simple steps can ...
Author: Jakob Jelling
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The 5 Secrets to Getting Out of Debt Fast
As they stare down at a teetering pile of bills, so many consumers wonder how they racked up such a large debt. The answer boils down to simple mathematics.

“On a basic, fundamental level, the problem is created by spending more than you make,” says Brad Stroh, co-CEO of the San Mateo, California-based Freedom Financial Network, LLC, a company that specializes in debt resolution services.

The reasons for doing so, he notes, are varied:

• Spending addictions
• Lack of bud ...
Author: Rob Sallay
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Tips to Save on Car Insurance
NEWS RELEASE
Contact: Jordan Walt, (503) 653-8287
A.I.C. Insurance Agency Offers Tips to Help You Save on Auto Insurance
Milwaukie, OR 2/18/2005 – Purchasing the auto insurance that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. A.I.C. Insurance Agency and Travelers, a leading provider of auto and homeowners insurance, off ...
Author: Jordan Walt
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How To Become A Savvy Real Estate Investor
If you’ve turned on the television lately, at some point you'll hear the experts praising the virtues of diversification. Real estate has long been considered a conservative, long-term strategy to growing wealth. While some seasoned real estate investors make it look easy, to be successful, beginners should follow some basic principles.

Learn all you can. Consider attending a seminar or talking with individuals who are experienced in real estate investing. Look for people in your area or ...
Author: Jamie Madison
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Selecting an Independent/Broker Dealer that’s Right for You
For financial consultants, picking the right independent broker/dealer for affiliation is one of the most important decisions they can make to benefit their business. While the right broker/dealer can provide effective support for your business and lead to greater success, the wrong firm can actually hamper your efforts. Ensuring that your future broker/dealer becomes your partner and is the appropriate one for you requires both an internal analysis of your business and thorough marketplace rese ...
Author: Michael Fisher
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Ten Ways Start-ups Use Venture Leases And Loans To Generate Millions
The rise of venture leasing and lending has created an opportunity for sophisticated entrepreneurs to gain a competitive advantage. Savvy entrepreneurs are using venture leases and loans to generate millions of dollars for shareholders by leveraging existing venture capital. They have discovered ways to use this flexible financing as a tool to build enterprise value between equity rounds and to leapfrog less sophisticated competitors.

Venture leases and loans are usually asset-based, fina ...
Author: George A. Parker
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Drowning in Debt? Tips and Tricks for Getting Out of Hot Water with Creditors
Do you, like millions of other Americans, feel like you’re sinking in an ocean of credit card debt? Well, fear not--there are many options for reducing your debt way before you have to be concerned about receiving notices or daunting telephone calls from debt collectors. The important thing to remember is to be proactive in handling your credit card debt. Unmanaged debt can ultimately lead to lawsuits, loss of property, and tarnished credit reports.

Here are a few ideas for managing and/o ...
Author: Beth West
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Turbocharged Financial Planning
Financial planning is an ongoing process individuals and businesses should implement by organizing all aspects of their finances. This will assist in identifying financial goals, providing a comprehensive written Financial Plan, and implementing the plan in accordance with the objectives that are most important to you.

Comprehensive financial planning should involve these areas and these specific questions.

ESTATE PLANNING

*How can you accumulate a sizable estate to pass on ...
Author: C.C. Collins
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Use Your Credit Cards Responsibly
With Americans going deeper into debt every day, usually thanks to uncontrolled use of credit cards, you may wonder if there is any good way to use a credit card. If so, how can you control your credit card debt, as opposed to letting it control you?

The first step is self-control. If you can’t discipline yourself to make wise decisions about credit card use, then don’t get a credit card. You’re just asking for trouble. This means that you have to be brutally honest with yourself. If you’ ...
Author: David Medlock
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Nine Ways To Lower Your Auto Insurance Costs
Nine Ways To Lower Your Auto Insurance Costs

You may not realize it, but the insurance rates you pay for
your car can vary dramatically depending on the insurance
company, agent or broker you choose, the coverage is you
request and the kind of car you drive. Listed below are a
number of things you can do right now to lower your
insurance costs.

1. COMPARISON SHOP. Prices for the same coverage can vary by
hundreds of dollars, so it pays to shop around. Ask ...
Author: S. Nicole Thomas
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Seeking Angel Investors?
What preparations need to be made when seeking angel investors?

In order to increase the probability of obtaining capital from an angel investor, a company needs to take meticulous care in creating its investor marketing materials. Even though angels do not typically abide by the same formal processes as venture capitalists, it is still important to prepare your materials in a format that can endure the same scrutiny as their corporate counterparts.

How can you ensure you get the f ...
Author: Craig Rosenbaum
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FIVE QUESTIONS TO ASK YOURSELF BEFORE BUYING A STOCK
FIVE QUESTIONS TO ASK YOURSELF BEFORE BUYING A STOCK
Copyright © Tanner Larsson
http://www.work-at-home-resource-center.com

If you are like most people today, you have either thought about investing in the stock market or you actually went out and bought some stock. If so that’s great, there is lots of money to be made in the stock market, but the important question is; How do you pick your stocks?

Are you buying the stock, because your brother told you to?

Did you get ...
Author: Tanner Larsson
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Best No Load Mutual Funds: The Right Way to Look at Fees and Expenses
When searching for the best no load mutual funds, some mutual fund investors often tend to focus exclusively on mutual fund fees and expense ratios. Is this always a smart way to select mutual funds?

Metrics such as price/earnings ratio and dividend yield on the S&P 500 index, a commonly used proxy for the U.S. stock market, are hardly at bargain levels. This has lead several market pundits to predict single digit annual returns for domestic mutual funds over the next decade.

While ...
Author: Sam Subramanian
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Venture Leasing: Startup Financing On the Rise
According to Pricewaterhouse Coopers, investment by institutional venture capitalists in startups grew from less than $3.0 billion at the beginning of the 1990’s to over $106 billion in 2000. Although venture capital volume has retreated significantly since the economic “bubble” years of the late 1990’s, the present volume of around $ 19 billion per year still represents a substantial rate of growth. Venture capitalists will fund more than 2,500 high growth startups in the U.S. this year. The gr ...
Author: George A. Parker
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How Venture Leasing Added Millions To A Startup’s Equity Value
Craig Berman beamed noticeably after completing his board presentation. Berman, CEO of a startup that develops nanotechnology applications for the defense industry, had just closed a $ 20 million equity round. Berman finalized the round at an equity valuation that made the whole board blush. Only six months earlier, Berman’s team faced a daunting technical delay that set the company back three months. With only four months of cash remaining from a previous equity round, the delay would cause Ber ...
Author: George A. Parker
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Why should I get a second mortgage? It's a good way to pay off high interest debt.
Second mortgages are basically any type of home loan that you take out while still making payment on the primary mortgage. This is not an arrangement to be entered lightly because you will end up paying a lot of fees and can rack up a huge debt that negates some of the progress you have made in paying off your original mortgage.

Keep loan below Fannie Mae guidelines
One of the most common reasons to get a second mortgage is to keep your home loan amount below the Fannie Mae guidelines. ...
Author: Syd Johnson
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Ask the Credit Counselor
Q: I am getting married soon. My credit is great, but my husband can’t even get a credit card in his own name due to past credit problems. How will his credit affect mine?

A: The good news is that the credit histories of spouses are not merged. In fact, it is possible to keep your credit history completely separate from your future husband’s, as long as you don’t add each other to your existing accounts or get new credit in both your names.

Keep in mind, though, that if you live i ...
Author: Howard Dvorkin
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The Cost of Raising Money
The Cost of Raising Money
by William Cate

Only your family, friends, governments and fools ignore basic funding guidelines. These costs have evolved over time because they reflect the cost of helping the foolish find the foolish.

To raise money, you need a short, enticing executive summary and a credible business plan. A professionally written business plan usually costs between US$7,000 and US$15,000. Unless you are a business writer, cutting costs by doing it yourself is usual ...
Author: William Cate
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Building The Foundation For Wealth
Building The Foundation For Wealth
By C.C. Collins, Wealth Strategist,
http://wealthscientist.com

You wouldn’t build your home on anything less than a solid foundation.
Similarly, you can’t build wealth and financial independence without first having sound foundational principles to build upon.

I have found that many people are working on wealth building strategies such as maximizing their 401K returns, aggressive stock trading, and real estate investing without such a f ...
Author: C.C. Collins
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Why is an Estate Plan Necessary?
Before answering this question, it's important to understand how real and personal property passes following a death.

The Four Ways Real and Personal Property Passes at Death...

1.Direct transfer to a named beneficiary
a.This would include life insurance and retirement-type accounts
2.Jointly owned property, such as real estate will pass directly to the joint owner
3.A will bequeaths specific real and personal property to an heir
4.Operation of law or "Dying in Testate ...
Author: First Commonwealth Financial Corporation
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Home Ownership, Financial Freedom, and Benjamin Franklin
On Home Ownership, Financial Freedom, and Benjamin Franklin
by Tom Levine

1. ON BENJAMIN FRANKLIN:

2. ON HOME OWNERSHIP:

3. On Financial Freedom:

4. ON THE BI-WEEKLY MORTGAGE:

5. ON THE 15 YEAR MORTGAGE:

6. CONCLUSIONS:



1. ON BENJAMIN FRANKLIN:

A: In 1757, Benjamin Franklin published "The Way To Wealth", a basic summary of his 25 year Poor Richards' Almanac. In "The Way To Wealth", Honorable Mr. Franklin states the following:
Author: Tom Levine
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Benjamin Franklin, Pennies, and Millions of Dollars$$$
Benjamin Franklin, Pennies,
and Millions and Millions and Millions of Dollars!!!
by Tom Levine



1. On Benjamin Franklin:

2. On Pennies:

3. On Millions and Millions and Millions of Dollars!:

4. Conclusion:



1. On Benjamin Franklin:

In 1757, Benjamin Franklin published "The Way To Wealth", a basic summary of his 25 year “Poor Richards' Almanac.” In "The Way To Wealth", Honorable Mr. Franklin states the following:


"Then since ...
Author: Tom Levine
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Beat the House with this Supa Blackjack Strategy
In the game of blackjack, the final hand you hold can only be one of the following - a blackjack, 21, 20, 19, 18, 17, 16 or less, or bust. If you bust, you have lost, whereas if you hold blackjack the worse case scenario is a tie with the dealer with the best case scenario being you get paid a bonus of 1.5 times your stake. You probably realize that the chances of winning if you stand on your 17 - 21 are very important, so what are they? Not as good as you might like!

Here's an example st ...
Author: Kent Clarke
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CRAVING FOR FINANCIAL FREEDOM
Have you ever felt trapped in a Rat Race and wished to retire quickly but rich?

Have you ever felt that you are spending way too much time working with your boss at your office instead of with those you love? Your spouse, children, friends?

Have you ever felt frustrated because you are so deep in debt that you think you won't be able to retire because as soon as you do, the money will stop coming and thus you won't be able to pay off your mortgages and credit card?

Have you ...
Author: Dinar P. Wiria-Atmadja
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Credit Education
Credit education
http://www.icreditonline.com

Credit Education

Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured cred ...
Author: David Hall
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Insider’s Guide to Snaring the Best Lease Deal
Every year, thousands of business owners and financial managers are faced with the task of obtaining attractive financing for equipment their firms want to acquire. Snaring the best leasing arrangement requires only a bit of planning and a smidgeon of finesse. You can save time, land a better lease deal and make the leasing experience less of a conundrum by considering several important factors.

Plan Ahead

Before seeking lease proposals, invest a little time in planning and prepar ...
Author: George A. Parker
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Venture Leasing - A Smarter Way To Build Enterprise Value
In 2003, venture capitalists and investors dispense over $18 billion to promising young US companies, according to VentureOne and Ernst & Young Quarterly Venture Capital Report. Less documented and reported is venture leasing’s activity and volume. This form of equipment financing contributed greatly to the growth of US start-ups. Yearly, specialty leasing companies pour hundreds of millions of dollars into start-ups, permitting savvy entrepreneurs to achieve the biggest 'bang for their buck' in ...
Author: George A. Parker
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How to Get 100% Financing - Zero Down Mortgage Loans (Even With Bad Credit)
I decided to write this article today after closing a home purchase loan for a couple that had some major

credit issues. They got into the house with ZERO down payment, and only had to bring $600 for the closing

costs. Their situation was pretty bad, I’m talking about a bankruptcy 2 years ago, thousands of dollars in

outstanding collections, charge-offs and debt to income ratio of 49%. By the way, we left all of their

outstanding charge-offs and collections open w ...
Author: Nick Graziano
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The Effective Executive Summary
The Effective Executive Summary
By
William Cate
[http://home.earthlink.net/~beowulfinvestments/]

Sending an unsolicited business plan to almost anyone is a waste of time and postage. Your risk capital search goal should be to get prospective investors to read your Executive Summary. This means that your Executive Summary must be readable, focused, answer three questions and be credible.

Your Executive Summary is the hook to get the investor to take the time to read your bu ...
Author: William Cate
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The hottest countries for property investment in 2005
Whether you are a property investor looking for a steady and ‘safe’ investment in a proven market or a property speculator willing to gamble on the unknown and undiscovered in the hopes of gaining a significant ROI (return on investment), this article covers the property investment hotspots for 2005.

A recent UK government report discovered that there was a 250% increase between 2000 and 2004 in the number of Britons buying property abroad solely for investment purposes, and this trend do ...
Author: Rhiannon Williamson
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Are You Beating Up On Yourself About Debt?

By Mario Castagno
©2004 All Rights Reserved
http://www.fcdebt.com

When you hear the word "debt", whats the first thought or
feeling that comes to you? For most people debt is "bad" or
it becomes the "enemy" and is something that should be
avoided like the plague.

Having debt does not make you a bad person. The more a
situation is judged as being bad, the worse it gets. It's
the judgement that you have around debt, that will keep you
feeling "stuck" ...
Author: Mario Castagno
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Say No To Foreclosure

Homeowners now have the power to withstand the threat of losing their homes from foreclosure. According to 20/20 foreclosures are at a 30 year high across the nation.

The reason is that homeowners don’t know what their options are. Too many homeowners are being victims to losing their homes because no one really knows how to help them. When they seek credit counseling or see a Hud representative, they generally don’t get the help they need and are still prone to foreclosure.

M ...
Author: Bobby Johnson
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How to Start A Business Plan
A business plan precisely defines your business, identifies your goals, and serves as your firm's resume. The basic components include a current and pro forma balance sheet, an income statement, and a cash flow analysis. It helps you allocate resources properly, handle unforeseen complications, and make good business decisions. Because it provides specific and organized information about your company and how you will repay borrowed money, a good business plan is a crucial part of any loan applic ...
Author: John Mussi
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Risk and Reward Investing
If you are doing your own investing in the stock market, what would be the first question you would ask yourself before you make any trade or investment? If your answer is how fundamentally sound the stock is, or whether the stock just broke out of a trading range on a chart, or the fact that the stock has gone down 50% in the last 6 months, or whether the volatility is low now so it is a good time to buy or sell, then you are probably on the road to ruin. These strategies have nothing in common ...
Author: John McKeon
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Worried About Debts?
Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?

You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.

If you o ...
Author: John Mussi
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UK Debt When Moving Abroad
The idea of moving abroad to escape debt seems to be more of a common practice these days. People who have failed businesses or are swamped in debt believe that moving abroad will give them a fresh start and allow them to build a new life.

Reading some of the comments on various UK debt forums opinions on this seem to be divided. Some people think running away from debt is too much of a risk, and creditors will eventually catch up with them whilst others encourage the idea, stating that t ...
Author: Nicola Bullimore
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Save Money On Your Grocery Bill
Save Money On Your Grocery Bill

We've all heard about certain ways to cut your grocery bill like
avoiding the grocery store when you're hungry, using coupons on
double coupons day, and buying only the items on your list. These
are all good tips and we should keep using them. However, I've
found a few pointers that might help you save even more on your
grocery bill.

The first thing you need to do after you've made your grocery list
is to try to figure the total cos ...
Author: Shannon Jarvies
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The Effects of Consumer Debt
Consumer Borrowing
Consumer borrowing in the UK has now crashed through the Ј1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on families today?

The National Consumer Council reports that 6 million families in the UK are already struggling to make repayments towards their debt, and Citizens Advice reports that over the last 6 years, they have seen a 44% increase in the numbe ...
Author: Nicola Bullimore
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Basics of stock market
Financial markets provide their participants with the most favorable conditions for purchase/sale of financial instruments they have inside. Their major functions are: guaranteeing liquidity, forming assets prices within establishing proposition and demand and decreasing of operational expenses, incurred by the participants of the market.

Financial market comprises variety of instruments, hence its functioning totally depends on instruments held. Usually it can be classified according to ...
Author: John Goldfinger
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How Will Check 21 Affect You?
You may already be familiar with Check 21, a federal law that
goes into effect on October 28, 2004. If you're like me, this may
be something you hadn't heard about until just yesterday. The
Check Clearing for the 21st Century Act, otherwise known as Check
21, is the process of turning the checks your write into images and
transmitting them by computer.

What does this mean to you?

Expect the time your check clears to decrease drastically. If you live
paycheck to p ...
Author: Shannon Jarvies
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Endowment Mortgages & Endowment Shortfalls
Endowments and endowment mortgages have received a lot of bad
press in recent years, amid concerns over falling policy values
and accusations of endowment misselling.

This article attempts to answer some of the questions and
concerns you may have about the way endowments work, what's
happening to them, and what you can do to ensure your mortgage is
paid off at the end of the term if you have an endowment
mortgage.

What is an endowment mortgage?
< ...
Author: David Miles
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More Than Money
More Than Money

Time changes things.

So, to understand a thing, it is often helpful to go back to see what the thing was originally supposed to be. Understanding economics is no exception.

The word economy can be traced back to the Greek word oikonomos, which means one who manages a household. From oikonomos was derived oikonomia, which had not only the sense of management of a household or family, but also senses such as thrift, direction, administration, arrangement, and p ...
Author: Phillip A. Ross
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Student Credit Cards 101: A Student's Guide to Credit
If you’re a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on?



- Because financial debt is one of the main reasons that many students end up dropping out of college.



- Because your college years can be some of your most memorable—and some of your most costly. They don’t, however, have to be the beginning of an adult life strapped with debt.



- Although you may still ...
Author: Rebecca Lindsey
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Make 8%+ Every Month on the Stock Market, Guaranteed
Do you own shares? Have you ever purchased, or
been tempted to create a share portfolio because
you know there are people out there who make money
with shares? Are you slightly afraid of the risks
of investing in stocks? Or do you want to play the
market, but are afraid because you have lost money
in the past?

If you have answered yes to any of these questions,
or if you just want to improve the performance of your
portfolio, or if you just want to make some more ...
Author: Damian Papworth
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Credit establishment 101
By Jakob Jelling
http://www.cashbazar.com

There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money management, especially the ability to repay your creditors on time within the 30-day grace period they establish for you. Most people secure credit cards as the first way to establish credit in High Sch ...
Author: Jakob Jelling
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Exchange Traded Funds: 7 Reasons They Beat Most Mutual Funds
There’s been a lot of recent talk in the financial press about exchange traded funds, or ETFs. Some of you may already be familiar with them, but my guess is for most individual investors, the term “exchange traded fund” is just another bunch of financial gibberish – vaguely familiar but completely meaningless. Well, to artlessly coin a phrase from the movie Braveheart, “we’ll ‘ave to remedy that then, won’t we.”

In financial-speak, ETFs are hybrid investment vehicles that combine the tr ...
Author: David A. Twibell
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Lobster Trapping for Investment Ideas

Recently, my family and I took a trip to Maine to visit relatives. During our stay, we toured the rocky shore lines and took in the beautiful architecture of the old towns.

One sunny morning, three generations of Wardlaws boarded a lobster boat and set out on a guided lobster trapping excursion.

We quickly learned lobstermen lead a life of hard work and regulations.

Over the course of many years, Maine's lobstermen and state officials have established certain criteria t ...
Author: Kemberly Wardlaw
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Business after the Iraqi War
The rewarding of high compensation packages to top executives who turned over weak quarterly earnings, or who were involved in corporate scandals, adversely affected short-term investing, and collectively contributed to the downturn of the global economy over the last couple of years. Even the help and expertise of Federal Reserve Chairman Alan Greenspan and several notable Nobel Prize winning economists in the President's Council of Economic Advisers, wasn't enough to revive the economy. Septem ...
Author: Carlos T. Fernandez
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Financial tools that investors should apply to investment decisions
The early parts of this century were painful years for most foreign investors with world markets falling significantly. I believe it is important that investors pay more attention to the fundamentals when making their investment decisions. The purpose of this article is to highlight the main financial tools that investors should apply when making investment decisions.

PRICE EARNINGS RATIO
The most important ratio that investors should look at is the Price Earnings (P/E) Ratio. In layma ...
Author: Andy George
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Decision Time: Home Equity Loan or Home Equity Line of Credit?
Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002. With so many people deciding to cash in on their home's equity value, it seems sensible to review the factors that should be weighed in choosing between out a home equity loan (HEL) or a home equity line of credit (HELOC). In this article we outline three pri ...
Author: Tim Paul
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10 Things to Look for in a Home-Equity Line of Credit
If you are a homeowner, you've probably received offers to apply for a home equity line of credit (HELOC). Handled with care, home equity credit lines can be an excellent way to improve financial flexibility, provide readily available cash reserves for emergencies, or pay for large expenses (like college tuition or home improvements) that have irregular payment schedules. But be aware that not all home equity credit lines are created equal. If you decide that a HELOC is right for you, what featu ...
Author: Tim Paul
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5 Tips for Savvy Use of Your Home Equity Line of Credit
Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary reason the nation's economy has been able to emerge from the recent recession. Yet, aside from simply allowing consumers to spendmore, the flexibility and efficiency of a home equity line of credit (HELOC) can provide the financially savvy person with the me ...
Author: Tim Paul
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Defining a long-term investment in the stock market.
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.

Defining a long-term investment in the stock market.

For some “long term” would mean holding a stock position over the weekend. For others, it may mean holding a security for at least 1 ...
Author: Charles M. O'Melia
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A correct investment approach
A correct investment approach
By: Andy George

After a horrendous two-year period from the turn of the new century, world stock markets would appear to have come back from the dead with prices rising albeit in a not so spectacular fashion. The purpose of this article is to offer advice to investors as to the correct investment approach. I believe that by following the advice given investors will be successful on a long-term basis. This article is not intended for the day traders or spec ...
Author: Andy George
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The Cost of Being a Public Company
The Cost of Being a Public Company
By William Cate
August 2004
[http://home.earthlink.net/~beowulfinvestments/]
[http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

The Cost of Going Public

The average cost for a traditional U.S. Securities and Exchange registration and listing on the Over-the-Counter Bulletin Board (OTCBB) has risen to about $1,500,000 in 2003. If your company wants to list on Nasdaq, the cost will be an additional $500,0 ...
Author: William Cate
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A gadfly on a dinosaur’s butt, or the hood-winking of the American stock investor.
Have you ever noticed how some words in the English language are so perfectly named for what they describe? And how some words seem to be, I guess you could say, backwards? For instance, the word sunflower! How wonderfully aptly named is the sunflower, that beautiful yellow flower that follows the sun from sunrise to sunset.

And then there are those words in the English language where there meaning appears to be backward, so to speak - like parkway and driveway. When my car is parked at h ...
Author: Charles M. O'Melia
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10 tips for creating wealth in the stock market
10 tips for creating wealth from the stock market:

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 more than 12 stocks, let alone 27 diff ...
Author: Charles M. O'Melia
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Investors: Avoid These 5 Common Tax Mistakes
For many investors, and even some tax professionals, sorting through the complex IRS rules on investment taxes can be a nightmare. Pitfalls abound, and the penalties for even simple mistakes can be severe. As April 15 rolls around, keep the following five common tax mistakes in mind – and help keep a little more money in your own pocket.

1. Failing To Offset Gains

Normally, when you sell an investment for a profit, you owe a tax on the gain. One way to lower that tax burden is to ...
Author: David Twibell
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5 Ways To Protect Your Bond Portfolio From Rising Interest Rates
The Federal Reserve recently raised its target federal funds rate for the first time since March 2000. This could be just the tip of the iceberg, though, as many experts believe rising inflation and a strengthening economy will spur continued rate hikes for the foreseeable future.

This is bad news for bond investors, since bonds lose value as interest rates rise. The reason stems from the fact coupon rates for most bonds are fixed when the bonds are issued. So, as rates rise and new bond ...
Author: David Twibell
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Is Your Money Keeping Up With Inflation?
In today's unpredictable global economy, you obviously never know what is going to happen next. Uncertainties and concerns regarding the Iraqi threat, North Korean crisis, and hidden terrorist cells and networks continue to loom in the back of the minds of consumers. Moreover, the stock markets and industries around the world.

Price inflation is another major concern for everyone. The latest Consumer Price Index (CPI) number released by the U.S. Department of Labor's Bureau of Labor Stati ...
Author: Carlos T. Fernandez
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When to invest in the Stock Market
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. Please provide a courtesy e-mail to: charles@thestockopolyplan.com telling where the article was published. Thanks!

When to invest in the Stock Market!

Is really not as important as to how you invest in the stock market. And how you invest in the stock market should take into consideration what goals you are s ...
Author: Charles M. O'Melia
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The perfect Mutual Fund
"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. Please provide a courtesy e-mail to charles@thestockopolyplan.com telling where the article was published. The author retains full copyrights!"

The Perfect Mutual Fund

Is the Mutual Fund you build yourself!

The perfect Mutual Fund you build should have the objective of owning no more than 12 to 15 com ...
Author: Charles M. O'Melia
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Startup Companies are Unwise Speculations
Startup Companies Are Unwise Speculations
By William Cate
July 2004
[http://home.earthlink.net/~beowulfinvestments/]
[http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

Business is risk.

Wise investing requires creating a favorable balance between the odds of capital loss and the potential of profit from the company's success. Investing should always be a question of finding a favorable Risk/Reward Ratio. Investors who speculate in startu ...
Author: William Cate
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Online Investing and Trading discussions at www.streetplayer.com
The new investment forum, www.streetplayer.com is back. streetplayer.com is an investment information site for those interested in using Internet to obtain information about stocks and other securities. Our plan is to build comprehensive database of financial sites, and later on offer daily market updates, newsletters, portfolio management tools, message boards, chat rooms etc. We will cover areas of stock investing, daytrading, options trading and speculating

Streetplayer.com, is a place ...
Author: sarathy
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Making Money in Equity Finance
Making Money in Equity Finance
By William Cate
Published October 2001
[http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

Do you offer financial services to businesses outside the United States?
You could be earning an additional US$300,000/year taking your clients
public in the United States.

Here are ten possible reasons why non-U. S. Companies should go public in
America.
1. The ...
Author: William Cate
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Is Your Company Ready To Go Public?
Is Your Company Ready to Go Public?
By William Cate
Published November 1998
[http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

You're not ready, unless you can afford to go public. Do you have
the money? If you don't have the money, where do you expect to find it? You
should budget about $1.25 million to do an IPO (Initial Public Offering).
You can buy an OTCBB Trading shell with 90% contro ...
Author: William Cate
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Venture Capitalists
Venture Capitalists
By William Cate
Published March 1998
[http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

They invest in less than 1% of the companies they review. Your odds
of raising money at the race track or in Las Vegas are better than your
odds of finding a venture capitalist. I don't believe that it's worth your
time and money to seek their investment in your company.

Ventur ...
Author: William Cate
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The Five Questions You Must Answer
The Five Questions You Must Answer to Get Financing Help
By William Cate
Published November 1999
[http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

1. What do you have?
Is your company making money? If you are a startup company, you
will find it hard to raise money. The industry in which your company
operates is important. If you are in a fad industry, your odds of finding
money are bett ...
Author: William Cate
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Two IPO Academic Resources
Two IPO Academic Information Resources
By William Cate
Published August 1999
[http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

About eight years ago, an Eastern University published an IPO
study. The study reviewed one hundred attempts to do an IPO. It compared
S-18 filings. The S-18 was the earlier version of the SB-2 filing. The
study concluded that less than half the companies that star ...
Author: William Cate
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Spinoffs
Spinoffs
By William Cate
Published August 1999
[http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

Doing a spinoff is ten times better than buying a shell. Your spinoff will
be clean. You'll retain a higher percentage of your stock. It costs you
less. If you doubt me, send me a self-addressed stamped envelope and I'll
send you my spinoff articles from "Time" and "American Venture."

I ...
Author: William Cate
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