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Nationwide unsecured merchandise card

If you are a first-time home buyer, with not a lot of money in the bank, you will probably hear the term "pmi" or "private mortgage insurance" sometime in the mortgage process.

This is because private mortgage insurance is required on all mortgages where the loan-to-value ratio is 80% or greater. To put this in simplified terms, if you buy a house that is $60,000, and you are unable to put $12,000 (20%) down as a down payment, you will have to pay private mortgage insurance. This is actually to protect the lender from you defaulting (not paying) on your loan.As a buyer, you will probably want to get rid of the private mortgage insurance (PMI)as soon as possible, because it is not tax deductible, and you never see it again. It really does nothing to help you. Unfortunately, you will probably not receive notification from the lender when you have paid off enough of your mortgage to be able to stop paying PMI. So you will need to carefully look at your mortgage merchandise nationwide unsecured card statements to keep track of the debt to value ratio of your loan. Whenever it falls below 80%, you will then be able to make arrangements to drop the PMI.Even if you haven't paid enough money down,unsecured merchandise nationwide card you may be able to drop PMI if your house has appreciated in value. For example, if you buy a house for $60,000, and you remodel it, and the value goes up to $80,000, you can get it re-appraised and drop the private mortgage insurance.Whichever way is best for you, be sure to keep watching your mortgage statements, and do everything possible to drop the private mortgage insurance as soon as possible. For other tips, see Also, talk carefully with your mortgage professional before signing on to any loan nationwide unsecured merchandise card agreement.2

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Do you want to know how to consistently earn double digit and triple digit returns from stocks? The answer lies in information technology. Yes. Information technology.

Most of the stocks I’ve owned that have earned more than 50% returns in less than a year are not even on the radar screens of the analysts of major investment firms. How do I know? Because I’ve worked at two Fortune 500 financial services firms as a Private Banker and Private Wealth Manager and never was able to find any research at these firms on the stocks that interested me the most. Why?

Because the way to make money in investing has changed dramatically and the big investment firms have not kept up. One of the reasons big investment firms have not kept up is because most have ulterior motives as pure marketing machines. Almost every manager at every large investment firm is compensated on how much fee income and profit their office makes for the firm, not how well their financial consultants have performed for their clients. There is a huge difference between these two goals. It’s the reason why former Merrill Lynch star internet analyst Henry Blodgett once stated in a comment that he never believed would be made public, that the stocks other Merrill analysts were praising on TV as top picks were “crap" and "junk” (Source: Fort Worth Star Telegram, May 26, 2002).

Even honest financial consultants at big investment firms find it difficult to find you great opportunities among the pool of stocks that their firm tracks. Why? Because many firms mandate older age and lots of experience as prerequisites for their star analysts. They believe that a head industry analyst with a couple of grey hairs is far more credible when appearing in front of their top clients and in front of the American public on television. Personally, if I ran an investment firm, every one of my analysts would probably be under 30 years of age. Why?

Well, information technology has revolutionized the ability of analysts to find stocks with spectacular growth prospects before the general public becomes aware of these stocks. Leads can be found through internet search engines by searching the right keywords, and also through other creative methods, including the utilization of blogs. Many times, the best stock opportunities can be uncovered through non-traditional sources of information, meaning NOT Reuters, NOT Bloomberg, and NOT any of the other financial information clearinghouses that big wall street firms pay thousands of dollars for every month. Many times, the best information is free and online, but the key is knowing how to uncover it.

Typically, when you have a problem you wish to solve related to the internet, whether it is a web design problem, a problem with obtaining better search engine rankings for your website, setting up a blog, being able to understand how to search online databases, and so on, would you turn to a fresh faced kid or someone with grey hair for help? A fresh faced kid, right? Because typically the younger generation is much more up-to-date on newer technology, including knowing how to manipulate and find data. See where I’m going with all this now?

The reason you’ll never hear about the companies that in five years will be the new Microsofts and the new Dells from the portfolio managers and financial consultants at large financial services firms is because huge financial institutions have yet to realize that understanding how to source information utilizing information technology is what has enabled the best stock pickers to be right so many times about stocks nobody else has ever heard of. And don’t be impressed if your financial consultant recommended IPO plays like Google that skyrocketed because the whole world knew about Google. Your financial consultant should be uncovering the tens and tens of other Googles out there that nobody else has ever heard of.

Frankly, I could care less about how many times the top portfolio managers of big investment houses visit the companies of stocks they recommend. I could care less if these top portfolio managers have “access” to the CEOs and CFOs of these companies because of their “reputation”. I could care less about the “global reach” of these investment firms that enables them to research overseas companies. None of this impresses me as a client.

I could care less because the majority of time, the big financial services firms are not researching the right companies. By this, I mean the small and micro cap stocks that nobody has ever heard of. The big firms will spend tens of thousands of dollars to set up these conferences at fancy hotels for their biggest clients and parade their impressive access to big time company CEOs, but still, I’d rather spend almost nothing continuing to discover stocks that will give me 50% returns in less than a year versus wasting my time listening to excessive information about a huge company that will never grow more than 8% a year. But then again, that’s just my opinion.

© 2006 Global Market Opportunities, Inc.

It's sad but today most credit card companies are devious and they've designed everything possible into the fine print of their terms of service to catch you. Therefore, when looking at any credit card offer, make sure you take a close look at the fine print.

Believe me, I am fully aware that it's purposely put together to appear like a maze, but because it's so vitally important to your financial well-being and with the current trend towards "relatively" easier-to-read summary boxes you no longer have a legitimate excuse for ignoring the terms of service.

That being said, I've outlined a few of the key aspects to look for that are normally "hidden" away in the fine print of most credit card offers.

The Annual Fee
Although it's not as common as it once was, it's still around. Especially, on the so-called higher status Gold and Platinum cards which still tend to charge much higher fees than the "basic" credit card. Annual fees are simply an easy way to get another $39.95 to $79.95 or more from each and every customer. It may not sound like much but it adds up when you've got millions of customers. If you give the company a call you can normally get it waived and if they won't then don't take out the card or cancel the one you've got - it's the principle of it.

Late Payment Fees and Penalty Charges
Cash advance fees, late payment charges and exceeding your credit limit are the types of fees you need to pay attention to when checking out the fine print. Many cards have unjustifiably high fees and if they do you shouldn't sign up for them. Just say no!

Calculating Interest
Because it's so hard to understand (they make it that way on purpose) this is often one of the most overlooked, yet important aspects hidden away in the fine print. There are basically three methods being used to calculate interest on your balances.

Adjusted Balance
Not as common as it once was but some companies are still using it. In a nutshell, you are charged interest on whatever your balance was on the day the company sent you the bill.

Previous Balance
Basically, this method is simply a horse of a different color. In this version you are charged interest on your balance as it stood at the end of the previous billing cycle regardless of how much you've spent or paid off since. Some consider this a tad bit easier to understand.

Average Daily Balance
Last but certainly not least. This method is currently the most common and it's also the most complicated. Using this method your balance is added up at the end of each day in the billing cycle, it's then divided by number of days that have transpired in that billing cycle and interest is charged in this amount. I know, clear as mud.

If your balance jumps around this method may be slightly better for you than the other methods because it keeps you from paying full interest on a balance that just happened to be large on the billing date.

You should also be paying attention to the monthly rate of interest rather than just relying on the APR. APR is an estimate of the total cost of borrowing but it's the monthly interest plus the various fees and charge that will show you exactly how much you are paying.

Grace Period
This is extremely important for about 40% of all credit card holders because that's the approximate number of people who pay off their balances each month. It's also important for the remaining 60% because then you can avoid interest on new purchases for the first 30 days or so. As a result, make sure that the card you're looking at has a grace period on purchases; otherwise, you could end up being charged interest from the moment you buy something. On the other hand, virtually no credit card company offers a card with a grace period on cash advances or credit card checks.

Currency Conversion Fees
This only applies if you plan on using a card outside the country. If it does apply to you, take a look at what you'll be charged for transactions made in other currencies. Some cards are much more expensive than others.

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