Thursday, August 31, 2006

$100,000 college debt

I was reading this article about people borrowing money to attend colleges.

Would you take out $100,000 in loans to go to a college? I would borrow some money but not that much. I would buy a house with that kind of money. But it is the only way for some people to get a good education.

"From 1993 to 2004, the median federal loan for new graduates jumped 63 percent to more than $16,000. One in 10 students at private college owe more than $40,000. And that's not even counting how much Mom and Dad borrow to help pay the bills."

The tuition cost is getting higher every year and I think more people are getting
burned. You get a certificate after 4 year but doesn't mean you will find a high
paying jobs and you will still need to pay the loan back.

You can read more from this article

Wednesday, August 30, 2006

Free credit report

Why you should obtain your credit report ? There are many reasons for that.Fighting dentity theft, getting a job, getting a loan, renting an apartment, to see if there any mistakes that may have occured and many more reasons.

Under federal law, you’re entitled to a free report if a company takes adverse action against you such as denying your application for credit, insurance, or employment and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

To get a credit report, usually you have to pay a fee to the credit reporting companies. But you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit file can be requested through this website, by phone or by mail.

The following are the three major credit reporting agencies:


You can get a free report from the three agencies all here at: is a centralized service for consumers to request annual credit reports. It is the only service authorized by Equifax, Experian and TransUnion for free credit
disclosure purposes.

People should be wary of companies that make claims regarding credit repair. Don't give out your personal information over the phone or the internet. If you think you are a victim of a identiy theft. You can request a fraud alert be placed on your file. An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years.

Don't place fraud alert if is not necessary, beaucause it will be harder for you to
obtain a credit.

Tuesday, August 29, 2006

Free options 101 cd

I am sure options are not common investment vehicle to many people. Schaeffers Research is giving you the free CD. This is a great chance for you to explore the possibilities that options have to offer. It's $49.95 value to you absolute free, they don't even charge the shipping and handling. Order your cd here. I have ordered mine.

Monday, August 28, 2006

4 myths about home prices

If you think the housing prices will keep on rising, think again ! Shawn Tully,editor from Fortune will tell some myths about the future of home prices.

1: As long as job growth is strong, prices can't go down

2: The builders learned their lesson in the last downturn. They won't swamp the market with new houses when the market turns

3: Low interest rates will keep values rising, or at the very least, put a floor under prices

4: restriction on development in the suburbs ensures low supply, and guarantees rising prices"

Which side do you believe ? It's up to you.

Read the full story.

Sunday, August 27, 2006

Toyota yaris works road shows

Yoyata's new new line of cars.check out YarisWorks Perks events.You can get some perks by test drive the new Yaris or get a ride.

"Yaris thinks that life should have more perks — little bonuses to help you through your busy day. YarisWorks Perks are special discounts, freebies and events offered in partnership with cool local cafes, record shops, book stores, and venues in all 12 of the YarisWorks cities. Please note, some
events require RSVP (see below), all other offers, just show up and enjoy the perks, courtesy of YarisWorks!"

Yaris works

Friday, August 25, 2006

Banks launch surcharge-free ATM networks

It hurts when you get charged to take some cash out of your bank account using non-member ATMs. Now there is a break, some banks are joining to offer free ATMs. This should be a good new for some people use frequently use the machines.

TD banknorth and Etrade both have fee free ATM cards.
Free ATM networks:

Read the full story.

Wednesday, August 23, 2006


Do you want to know when you will be a millionaire? No guess work with this web calculator

You can find it here.

Monday, August 21, 2006

has the housing bubble burst

I don't know the answer but if you know what you are doing you can always in the real estate market whether it is booming or not. It is certain to me the housing boom has peaked since the interest rate has risen from the historic lows. Fewer people would be able to afford the mortgage when interest rate rise higher.

Easy money has been made in the real estate but some still has not cash in which put them in a dangerous situation.As more house put the for sale sign the price appreciation would be slow if not decrease. You make money in real estate when you buy as some people say but it all depends. So, take the profits while you can.

Be sure to read the articles if you suffer from the real estate bust:

-How to profit from a cooling real eatate market by Robert Kiyosaki

-Faceit: The housing bust is here by Bill Fleckenstein

-5 risky real estate moves to avoid now by Liz Pulliam Wston

-Before you buy that vacation home by Sarah Max

Sunday, August 20, 2006

Trading Forex Mini experiment

Currency trading is new to me but I do have some experiance in trading stocks. I am learning how to trade forex using demo accounts. I am opening some demo accounts to try do some practice trading and to test their trading systems. I am not going to go with regular account yet. But I would try the forex mini first becasue less risky than the standard forex. And you only need few hundreds to start with.

Why trade forex mini account:

1. 24/7
2. few
3. leverage
4. no comission only spr
5. less risk and exposure,since 1 mini pip = $ 1
6. to test the water and the trading platform
7. Only 1/10 the size of standard forex account.

Although forex can have great potential in rewards but so as the risk.
You want spread the risk by applying accounts with different forex brokers.
Be sure to read the forex advisory first before investing.

The following are some of the forex firms that offer mini accounts:


spread: 3 pips
minimum to open : $250
leverage: .5% or 200:1

2. gft

spread: 3 pips
minimum to open : $250
leverage: up to 400:1


spread: 3 pips
minimum to open : $300
leverage 200:1

4. cms forex

spread: 3 pips
minimum to open :
free futures magazine

5. ifx markets

Spread: 2 pip spread eur/usd
minimum to open :$500
leverage: 100:1

6. fxtsp

spread: 3 pips
leverage: 200:1
minimum to open : $300

7. High street networking

spread: 3 pips
minimum to open :$100
leverage: 200:1


Spread: 2 pips
minimum to open :$100
leverage: 100:1

9. Gci financial

spread: 3 pips
minimum to open :$500 min
leverage: 200:1

10 ab waltley fx

spread: 3 pips
minimum to open :$500
leverage: 100:1

11. forex capital management

spread: 3 pips
minimum to open: $300
leverage: 200:1

Friday, August 18, 2006

make money selling stock photos online

Do people say you take beautiful pictures and should put them on a magazine or a brochure? Do you like to take pictures and just put them in your hard drive? With the fast growing online photo agencies, you can make money by selling your photos to online stock photo sites.

Every time someone downloads your images, you get a small commission.The more people download, the more you make. They handle all the transactions for you, all you have to do is setup an account, upload the photos and wait for the people to buy and collect the money.

That was the easy part, it is not as simple as I just described. You need the right equipments, high resolution is a must. You will also need a nice camera lens and other accessories. The quality of your images must be to a high standard, well balanced and sharp or they simply won't sell.

Sites will review your photos and then decide whether the images will be accepted. They don't take all the photos you submit to them.

The following are some of the agencies offer the service.



-dreams time

-i stock photo


-can stock photo




-photo stock plus

-photograher direct

Photograher direct discourages people using micropayment sites. "Photographers Direct cannot epresent photographers who have any images on micropayment sites. This is part of our Fair Trade policy" here is why

"Micropayment sites sell your work for peanuts and give you the shells"

There are many options for you if you don't use the survice those sites offer.You can always set up a website and sell the images yourself,but how to set the site,get people come to your webite, process the transitions are anyother topics by itself.
It is difficult for average people to market small websites with the internet know how. So, let those estibished webistes dothe marketing for you and you getting better at taking photos.

If you to make the maximum profits you can use the following sites that can give your won e-commerce enabled website for a fee.

-image display works

-photo stock plus

Free $10 off from Champs and Foot Action

Champs and FootAction both offering the same deal. $10 off any purchase, no minimum required.That means $20 off. Just print and bring and save. But you need VIP membership in order to use it, you can get it in the store and it it free. Credits go to lazmason and joysmahaal. Valid 8-18 to 8-20. Offer valid in the U.S. and its territories. No cash back on purchases of $10 or less.

Footaction locator
Champs Locator

Thursday, August 17, 2006

Great tips for college students

From this article you can learn some basic money management techniques. How to Keep a journal, create a chart and some budgeting tips help you beome a more financially responsible student.

" College costs fall into two basic categories: fixed and flexible. Try to prepay the fixed expenses and manage what's flexible."

Source: floridatoday

Monday, August 14, 2006

Religion-Related fraud on the rise

More people are getting ripped off by the religion related frauds becasue more con artists are coming to religion organizations to scam people.

The dollar amount involved is getting larger; some $2 billion dollars were lost from 1998-2001 due to fraudulant activities and the number is on the rise. The number of cases are more common nowadays.

More scammers are taking advantage of the trust of the religious community members. Promising high return and trying eliminate the guilt of greed by promising to donate back some of the profits back for a good cause. Often the pastors are targeted first, since they have more influence and power. Then the members come next.

If you think it is safe to do business with your religious organization, think again. Nothing is 100% safe.Don't give out cash without any record. Do some research on the parties you are dealing with. And don't be greed.

source: link

Ads by

Friday, August 11, 2006

Get $275 in rewards by apply credit cards and saving account

You can get $275 worth of rewards if you oepn a Carver federal saving bank, $50 for apply for a Citi Diamond preferred rewards card, $50 for applying American Express Blue and Chase credit card.

$25 + $100 +$50 + $100

1. Carver federal savings bank

-$50 opening deposit is required to open a free checking account.
-You must apply and be approved for a line of credit

2. Citi Diamond rewards MasterCard ( 2 different offers )

-receive 5000 bonus Thank You Points after first purchase.
-no annual fee
-0% APR on balance transfers until 9/1/07
Call-1800-3322172 by 10/15/06 phone apply only
If you apply by phone you only get $50, but if you apply online (enter code F1G7 ) you will get $100 and 10000 bonus points. ( expires 9-15)

3. American Express Blue

-earn !% on all purchase into a high yield savings account
-after8-12 weeks they will deosite $50 into your account

4. Chase

-Receive $100 — when you start banking online with Chase Online for Small Business
-enter code 331054
-It's for Chase customers with an existing Small business account that has not signed up for online banking

Monday, August 07, 2006

Beware of your brokers

Just read this article. Brokers can pick your pockets in many ways.Full service brokers can give you tremendous help to your financial health,but there are some bad brokers out there. Watch out for yourself and better protect your investments.

Ways to pick pocket : Link

source: link

Friday, August 04, 2006

Get $50 gift certificate from IN:NYC Card

Another card that offer rewards. Get the Card that lets you eat, drink, and play at New York City's most fashionable spots. The IN:NYC Card comes with INSIDESM Rewards -- the program that lets you earn dining and entertainment experiences, in addition to the benefits and services you've come to expect from American Express.

Receive 5,000 bonus INSIDESM Rewards points after your first purchase (redeemable for a $50 gift certificate to many IN:NYC partners)1
0.00% Introductory APR for 6 months on purchases and balance transfers
No annual fee
Option to carry a balance
One INSIDE Rewards point for every dollar spent
Plus INSIDE Double points on City Essentials

High price for a parking spot

Buying a car is easy but the maintainance could be too much to handle for some. Mainly the gasoline, auto insurance and the parking space. If you are living in a big city then your wallet is getting thinner. Let's see where the pricest places to park your car are.

1. New York City
Median rate for monthly unreserved parking: $574.12 (midtown), $500 (downtown)
Median rate for daily parking: $40 (midtown), $32 (downtown)

2. Boston
Median rate for monthly unreserved parking: $420
Median rate for daily parking: $31

3. San Francisco
Median rate for monthly unreserved parking: $335
Median rate for daily parking: $24

4. Chiago
Median rate for monthly unreserved parking: $332
Median rate for daily parking: $25

5. Philadelphia
Median rate for monthly unreserved parking: $325
Median rate for daily parking: $22

6. Seattle
Median rate for monthly unreserved parking: $250
Median rate for daily parking: $24

7. Pittsburgh
Median rate for monthly unreserved parking: $247.10
Median rate for daily parking: $14.60

8. Washington DC
Median rate for monthly unreserved parking: $230
Median rate for daily parking: $14

9. Sacramento
Median rate for monthly unreserved parking: $200
Median rate for daily parking: $16

10. Hartford, Conn
Median rate for monthly unreserved parking: $190.80
Median rate for daily parking: $19.25

Source: MSN Money, Businese Week

Thursday, August 03, 2006

Surprising Six-Figure Jobs

Want to make six figures? You're probably thinking you've got to work on Wall Street, a law firm or have gone through years of medical school to earn that kind of a salary. There are many jobs that pay well. But you might never thought the following jobs would pay you six-figures.

1. Court Reporter
Special skills are always in demand. If you can type 200 or so words a minute, a six-figure job transcribing court testimony or captioning Web casts can be had in some areas.

2. Professional Coach
Thought the 90s were over? Nope, the Oprah era lives on. Those seeking a cheerleader to help them through life's problems will shell out big bucks to have a shoulder to lean on. About 20% of the 10,000 coaches make six figures, according to industry estimates.

3.Mine Manager
Claustrophobia aside, a profession with a median salary of $106,000 a year awaits those with the project management skills to set budgets and deadlines for mining projects, plus review and enforce safety procedures. A college degree is not always necessary.

4. Sales person
Sales is accurately described as the world's easiest high paying job for some, and the toughest low paying job for others. If you have a way with people and can handle rejection, it doesn't matter if you're selling stocks, life insurance, cars or magazine subscriptions. You'll make big bucks.

5. Truck Driver
Wages vary depending on location and seniority, but long haul truckers willing to hit the road for weeks at a time can pull in $100,000 or more a year, plus benefits.

6. Pressman
Otherwise known as printing machine operators, those who keep the presses going for newspapers, magazines and books make as much as $32 an hour in some areas, which can yield six figures annually with overtime. The rise of the Web, however, means fewer of these jobs are available

7. Tech Writer
While Silicon Valley isn't quite what it used to be, some $50 an hour freelance tech writing jobs can still be had. For those who understand high-tech issues, with the ability to write about them in way that makes them understandable to the masses, this job could be for you.

8. Restaurant Manager
Working your way up to manager from the kitchen or wait staff can earn you $100,000 or more, according to This is usually reserved for higher end establishments and resorts.

9. Air Traffic Controller
A high stress job with a daunting training program that chops many new hires out before they ever get started. But openings will be aplenty as much of the current crop retires over the next five years. Many pay close to $100,000 to start.

10. Elementary School Principal
The national median is $76,000 a year, but those school principals in higher income areas with large enrollments break the six figure barrier.

Source: forbes

Wednesday, August 02, 2006

FXCM currency trading expo

If you miss the first time around, there is another one coming this December in Las Vegas. You can sign up to pre-register for the up coming expo. The event will be held for 2 days, cohosted by E-signal and FXCM. It is still early to what workshops going to have. Some workshops are free but some are paid programs. If you want to learn more about the currency trading, this is a great way to explore the subject.


Tuesday, August 01, 2006

Wachovia $ 25 gift card

You can a $25 visa gift card from Wachovia by opening a Free Cheking account. They are rated No.1 in customer satisfaction for five years in a row. With our Free Checking, you'll have no minimum balance, no monthly service fee and no direct deposit requirement. Open before 8/31/06. Link

Starving artists get money help

If you are an artist and not in a good financial footing, there are some organizations that can help you and get the support you need.Many talented artists are not getting the rewards or regonization they deserve. The sad part is only few can make it,others are just barely survive. Some have to work part time in order to support themselves which leave them no time to pursuit their dreams or not producing the works they want if you have more time and funds.

Check out the these organizations:

Artist Pension Trust:

Creative Capital:

Fractured Atlas: