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Home and Leisure Archive            Date Archived:  June7th 2006

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Advantages of Refinancing Mortgages – Save Money by Possibly Consolidating Debt into a Home Loan or Renegotiate Your Credit Card Debt with Banks

Advantages of Refinancing Mortgages – Save Money by Possibly Consolidating Debt into a Home Loan or Renegotiate Your Credit Card Debt with Banks

Home Finance

Some homeowners may find themselves with high credit card debt and equity in their homes.  Some will consider debt consolidation as a way to save money and meet their obligations.  It is always a good idea to talk to a professional before making the jump.

Recently credit card companies were required to double their minimum payments while bankruptcy laws have made it harder to extinguish credit card debt in court.  For some homeowners it may make sense to look for a good rate or loan that fits them so they can save money and possibly add a deduction to their taxes.  Always talk to your tax preparer to make sure this is the right course for you.  Advantages of Refinancing Mortgages – Save Money by Possibly Consolidating Debt into a Home Loan or Renegotiate Your Credit Card Debt with Banks


Smart Car is a fuel efficient Vehicle – Not a Hybrid or Electric Car it’s just small and uses 40 miles per gallon

Smart Car is a fuel efficient Vehicle – Not a Hybrid or Electric Car it’s just small and uses 40 miles per gallon

Zap's Smart Car

The Smart Car is now going to be sold in the USA by a company called ZAP.  It is a tiny car that you may have seen in the new Pink Panther movie with Steve Martin you may also see the Smart Car in the just released, “The Da Vinci Code” movie.  The car that is featured in the movies is called a ForTwo model which fits 2 passengers.

The Smart Car has been sold since 1998 throughout the world.  ZAP is the company that wants to distribute the automobile in the United States.  Currently they are looking to set up dealerships across the country.  Smart Car is a fuel efficient Vehicle – Not a Hybrid or Electric Car it’s just small and uses 40 miles per gallon


Hybrid Cars Can Save Money on Taxes and Insurance – Credits Offered But Not On Leased Vehicles - Ford and Toyota Numbers Available 

Hybrid Cars Can Save Money on Taxes and Insurance – Credits Offered But Not On Leased Vehicles - Ford and Toyota Numbers Available 

Toyota Prius

With gas prices on the rise and the Federal Government offering tax credits, this may be the year to buy a hybrid car.  Hybrids do cost more money up front, but over time buyers can expect to save, especially if gas prices continue to rise.  Those with a long commute will likely save more than those who use the car less.

The tax credits are not the same for every vehicle, and not all hybrid cars qualify for a tax credit.  Do your homework before you purchase your hybrid to make sure.  Owners may also save on auto insurance.  According to www.kanetix.ca, drivers in Canada who are looking to save money at the pumps might also find they can save money through their auto insurance.  Automotive Body Repair News (ABRN) magazine says US buyers might be able to save as well.  In a May 12th article, ABRN says some insurers now even offer special discounts for hybrid vehicles.  Hybrid Cars Can Save Money on Taxes and Insurance – Credits Offered But Not On Leased Vehicles - Ford and Toyota Numbers Available


Create A Home Loan Rate - Repair Your Credit and How to Qualify For A Mortgage

Create A Home Loan Rate - Repair Your Credit and How to Qualify For A Mortgage

Qualify for a Loan

In the world of home buying, the process of finding a house and neighborhood suitable to your family’s needs can become laborious even with the assistance of a realtor.  However, if you truly understand your desires and needs, a competent realtor will locate your prospective home through diligence and determination.  Once identified, the real journey of this process begins. 

This is when you must secure funding and obtain that desired rate you so desperately long for.  The industry of mortgage rates is less complicated than portrayed but more sensitive than perceived.  In this article, we’ll try to better understand the concept and not just the numbers.  Create A Home Loan Rate - Repair Your Credit and How to Qualify For A Mortgage


Zillow.com Free Home Evaluation Online - How Does it Work Using Aerial Images and Comparables - Real Estate Appraisals More Accurate

Zillow.com Free Home Evaluation Online - How Does it Work Using Aerial Images and Comparables - Real Estate Appraisals More Accurate

Home and Travel

Homebuyers and sellers have a new tool that will help them determine the value of their home or homes they are considering buying. Zillow.com is a new website that allows visitors to quickly get a zestimate of a property’s value.  What’s more, you can get a birds-eye (low altitude) view of the house and estimates for homes in the area.   Zillow.com Free Home Evaluation Online - How Does it Work Using Aerial Images and Comparables - Real Estate Appraisals More Accurate


Credit Card companies offer 5% Gas Rebate Cards – Could help save money with High Cost of Fuel

Credit Card companies offer 5% Gas Rebate Cards – Could help save money with High Cost of Fuel

Ethanol E85
gas pump

The cost of gas just seems to go up to a new high every day lately.  The price at my local gas station was $3.49 for the cheapest gas.  This price seems to keep creeping up and putting a dent in the budget.

One way that you could save a little bit of money despite the high prices of gas is by using a credit card that offers a 5% Gas rebate.  You get a 5% credit back when you buy gas with their card.  With a 5% discount the $3.49 per gallon price would be $3.32 per gallon.  If you have a 25 gallon gas tank you could save $4.25 in just one stop.  This could add up over time.

Discover, Chase and AAA credit cards are just some of the different credit cards that offer the 5% rebate on gas purchases.  There are probably more credit cards that offer this promotion.  The Hess credit card offered by Chase is offering a 10% rebate on purchases for Hess gas locations for the first 90 days of opening an account with them.  Credit Card companies offer 5% Gas Rebate Cards – Could help save money with High Cost of Fuel


RV Rentals - How Much Does It Cost to Rent for A Summer Vacation – Compare Options and Companies to Save Dollars - How To Pick

RV Rentals - How Much Does It Cost to Rent for A Summer Vacation – Compare Options and Companies to Save Dollars - How To Pick

Luxury 35 Footer

The new movie R.V. staring Robin Williams has spurred interest in RV Rentals. So how much do these rentals cost and what can you get for your money.  A lot has to do with timing.  When do you want to rent an RV?

RV rentals during the off season can be 70% less than prime vacation time.  Prime vacation time runs from mid-June through mid-August in most parts of the country.  If you are flexible in your vacation timing, many of the rental services offer online price quotes where you can compare dates. 

While shopping you should consider the size and capacity of the RV. RV’s can sleep between 4 and 7 people usually.  Of course the larger the RV, the more it will cost.  Some luxury RVs may cost $500 per day or more.  Other less luxurious RVs may cost as little as $100 per day during prime season.  RV Rentals - How Much Does It Cost to Rent for A Summer Vacation – Compare Options and Companies to Save Dollars - How To Pick


Patio Covers – Which type to install Fabric, Metal, Vinyl, or Wood Patio Covers?

Patio Covers – Which type to install Fabric, Metal, Vinyl, or Wood Patio Covers?

Sunsetter's Retractable Awning

As the sun starts to heat up for the summer months you may have thought about installing a shade structure on your home.  There are many different types of patio covers and sun structures that can offer you outdoor shade in the hot summer months.  Depending on the location of your home, you may have certain building requirements that will help in making your decision.

You can have the patio structure installed by a professional or a small contractor that is willing to build a cover.  The benefits to having the professionals handle the work, is that they will have to get the permits to build the structure and may also have knowledge about adequate reinforcement for withstanding weather and wind.  One downfall of having a professional install a patio cover is it can be expensive.  Patio Covers – Which type to install Fabric, Metal, Vinyl, or Wood Patio Covers?


How To Save Money With Your Mortgage - Consolidate Debt Into A Home Loan - Refinancing and Renting Out Your Home

How To Save Money With Your Mortgage - Consolidate Debt Into A Home Loan - Refinancing and Renting Out Your Home

Refinancing

So you have finally bought that home you were searching for. You have organized a Home Loan , have moved in and are enjoying your new life. As months go on and the bills start piling up you are probably asking yourself is there anything that can be done to help you meet all your repayment obligations and still allow you to keep your own home. Naturally, the answer is YES.

Here are a few helpful strategies to help you save money with your mortgage: How To Save Money With Your Mortgage - Consolidate Debt Into A Home Loan - Refinancing and Renting Out Your Home


Tricks to Travel ­ On the Cheap

Tricks to Travel ­ On the Cheap

Home and Travel

A great travel experience isn’t only for the rich ­ it’s possible to travel to your favorite global destination and have the time of your life, for less. And you don’t have to sacrifice good food, comfortable lodging, or fun activities to do it. All that’s required is a little creativity, flexibility, the ability to plan ahead, and the will to make it happen!

First, you have to actually get to where you’re going. Here’s a cool tip for purchasing cheap airline tickets:

Fly as a courier. If you’re a travel newbie, you’re probably asking, “What exactly does this entail?” Courier flying is the secret insider way to fly internationally for as much as 50% less than the normal ticket price ­ or even for free. This may sound too good to be true, but it makes sense once you understand how it works. Tricks to Travel ­ On the Cheap


FICO Credit Score – How to improve a Credit Score to get Lower Interest Rates

FICO Credit Score – How to improve a Credit Score to get Lower Interest Rates

FICO Credit Score affects Interest Rates

The FICO credit score is used as a reference by financial institutions to help determine what risk is involved with lending money to you.  Depending on the score, you will get either approvals or denials and also lower interest rates or higher interest rates.  By improving your FICO credit score you have a way to get lower interest rates on credit cards as well as on home loans.

You need to contact all three credit reporting agencies.  They are Experian, Equifax and TransUnion.  Most people know that all credit card companies report to these agencies. The agencies also take information such as automobile and home loans as well as any liens or court ordered payments, such as child support.  You may even get a negative report if you fail to pay doctor bills.  You could potentially have negative items on your credit report without even being aware of it.  FICO Credit Score – How to improve a Credit Score to get Lower Interest Rates


Hybrid Cars – Selling out due to High Gas Prices

Hybrid Cars – Selling out due to High Gas Prices

Ford Escape Hybrid

The United States is reaching new highs in gasoline prices due to Iran issues as well as the aftermath from Hurricane Katrina damaging fuel refineries.  Going to the pump in California you can expect to see $3.00 a gallon for the cheapest gas, which has stirred the State Government officials to investigate possible price gouging.

It is traditionally known that fuel prices tend to go higher during the summer months.  With price hikes so early this year, it will be very likely that the end of the fuel rise will not be over for quite a few months.  Hybrid Cars – Selling out due to High Gas Prices


Swimming Pools – Should you build an above ground Pool or construct an underground Swimming Pool

Swimming Pools – Should you build an above ground Pool or construct an underground Swimming Pool

Vinyl liner in an underground pool

Swimming pools are nice to have on a hot summer day, but should you invest in an underground swimming pool?  If you already know that you will be using the swimming pool, and know what work and costs lay ahead for maintenance you should go for the gusto and build the pool in the ground. 

There is no doubt that an underground swimming pool is elegant and beautiful to look at but the reality a swimming pool has time and money involved with owning one.  If you are a first time pool owner and have never had anything larger than a kiddy swimming pool, you might want to try out the above ground pool first to get an idea of what owning a swimming pool would be like. Swimming Pools – Should you build an above ground Pool or construct an underground Swimming Pool


Credit Card Bills – How to Understand Interest Rates

Credit Card Bills – How to Understand Interest Rates

Save Money with Lower Interest Rates

If you have ever looked at your credit card bills there is a section usually on the very end of the bill listing several different interest rates.  The interest rates can add up to a lot of money, and finding ways to lower the interest rates is one way to reduce debt and eventually eliminate it.

Usually the credit card company will specify the finance charge for that month in the bill.  The interest rate is directly related to the finance charge.  The interest rate is calculated from separated transactions.  Depending on the current promotions rates on the same card can vary greatly.  You will notice there is breakdown rate for Balance transfers and checks, Purchases, Cash Advances at ATM’s or Banks.  Credit Card Bills – How to Understand Interest Rates


Paris: A City that will Captivate You - Travel Planner For France - Common Words and What You Need To Take and Know

Paris: A City that will Captivate You - Travel Planner For France - Common Words and What You Need To Take and Know

Home and Travel

I soaked up the personalities of boutiques as I walked among the streets, I glided along the Seine River on a luxurious dinner cruise, and I almost fainted when I finally saw the Eiffel Tower in person. I fell in love with a city. I fell in love with Paris, France. I have no doubt that you would, too.

Paris in the summer was most enchanting. There is always a celebration or an event that will perk your interests. From the three-day Paris Country Fair to the Nuits de Feuto, one of the largest fireworks spectaculars in the world, these events are sure to please especially if you like the outdoors. Or, if you prefer the indoors, with 140 theatres and show venues, there are major theatrical productions and musicals galore!  Paris: A City that will Captivate You - Travel Planner For France - Common Words and What You Need To Take and Know


Hybrid Cars: Chariots of the New “Metrospiritual” - Save the Environment and Save Money With Tax Credits

Hybrid Cars: Chariots of the New “Metrospiritual” - Save the Environment and Save Money With Tax Credits

Honda Hybrid

Recent media buzz has suggested that people looking to buy a hybrid car to save money would be better off putting change in their piggybanks. But what these pundits don’t seem to understand is that it’s not their purse-strings that motivate the hybrid buyer; it’s their heartstrings.
 
In the world of marketing, hybrid cars appeal to a specific demographic category known as LOHAS: Lifestyles of Health and Sustainability. A more trendy term for this group of Whole Foods-shopping, Prius-driving, tea-drinking, yoga-practicing men and women is “metrospiritual.” It’s a $227 billion market segment that strives to make sure its buying habits jibe with its values—and it’s growing. 
Hybrid Cars: Chariots of the New “Metrospiritual” - Save the Environment and Save Money With Tax Credits


Amount of Tax Credits For Hybrid Cars Announced - Toyota and Ford Hybrids Eligible for Up To $3150 - Limited Time and Number Available

Amount of Tax Credits For Hybrid Cars Announced - Toyota and Ford Hybrids Eligible for Up To $3150 - Limited Time and Number Available

Mercury Mariner Hybrid

There are many reasons to buy a hybrid car, including saving money and the environment.  Last year the Federal Government offered a tax deduction which made buying a hybrid appealing.  This year, the Feds have gone a step further by offering a tax credit.  The tax credit is deducted directly from the taxes you owe, not just your total income like a deduction.  These credits will likely save the hybrid buyer much more than a deduction would.

Earlier this year most hybrid buyers knew they would get a tax credit, but the exact number was not known.  On April 7th the Internal Revenue Service (IRS) has come up with some figures for Toyota / Lexus and Ford / Mercury hybrid vehicles.  Remember, not all hybrids may qualify for the tax credit, but according to the IRS, these models will.  Amount of Tax Credits For Hybrid Cars Announced - Toyota and Ford Hybrids Eligible for Up To $3150 - Limited Time and Number Available


Last Day to File is Not April 15th This Year - Patriots Day and Weekend Moved Date Later - File Online Programs and e-File Users Up

Last Day to File is Not April 15th This Year - Patriots Day and Weekend Moved Date Later - File Online Programs and e-File Users Up

IRS 1040 Form

This year late filers are luck because the IRS has added two additional days to the calendar for filing.  The dreaded April 15th deadline is April 17th this year because April 15th falls on a Saturday.  According to the IRS rules, filing and payment deadlines that fall on a Saturday, Sunday or legal holiday are moved to the following business day.  This year the District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New York and Vermont have until April 18th to file because of Patriot’s Day.

There are a couple things you can do if you don’t have your paperwork in order yet.  First, you can file a form 4868 before April 17th.  This form will extend the filing period 6 months, until October 15th, 2006.  According to the IRS, taxpayers do not need to sign the extension request or provide an explanation for requesting an extension.  It does not extend the payment due date.  You are still responsible for paying your taxes by April 17th.  So estimate what you owe and send it in along with form 4868.  Always read the instructions carefully on these forms first. Last Day to File is Not April 15th This Year - Patriots Day and Weekend Moved Date Later - File Online Programs and e-File Users Up


Oprah’s Debt Diet series is Catching on across the Country – Positive Results for How to get out of Debt

Oprah’s Debt Diet series is Catching on across the Country – Positive Results for How to get out of Debt

Live Debt Free Bookl

On the Oprah Show today she showed what an impact her “Debt Diet” series had on many people.  Oprah showed people across the countries that have signed her “Debt Diet” contract.  Positive results are happening with families and people are turning around their financial situation.

Progress is being made in more than one way.  Families that were fighting and at the brink of divorce are getting along better now.  The couples all wanted to turn around their financial situation and work at it as a family.  This seemed to be a big element for success for these families and it worked!

Experts on the show recommended a chart for a break down for a monthly spending guide.  They recommend setting aside money for the following breakdown:  35% for housing, 15% for car including gas, 25% for other expenses including food, 15% to pay off student loans or other debt, and 10% for a savings or a retirement fund.  Oprah’s Debt Diet series is Catching on across the Country – Positive Results for How to get out of Debt


Hybrid Cars, Hydrogen Fuel, Ethanol – Comparison of these New Technologies for Automobiles

Hybrid Cars, Hydrogen Fuel, Ethanol – Comparison of these New Technologies for Automobiles

Smart Fuel Cell A-50

With the price of gas on the rise and potential shortages this summer, not to mention the news reporting that the global warming is actually melting the ice in the arctic, you might be thinking about what other alternative fuels exist.

Hybrid cars are currently on the market today.  Hybrid cars are a combination of electric powered along with a gas power engine.  The hybrid car will switch from battery power and back to electric power during the drive as the car changes speed automatically.  Hybrid Cars, Hydrogen Fuel, Ethanol – Comparison of these New Technologies for Automobiles


2nd Home Mortgage Loan – Benefits to having a Home Equity Line of Credit

2nd Home Mortgage Loan – Benefits to having a Home Equity Line of Credit

Real Estate

A second mortgage on a home can be beneficial to have.  It usually offers lower interest rates compared to credit cards and you also can have lower monthly payments.

While credit cards companies offer temporary promotional rates of 0% interest rates, you might not be able to pay off these credit cards if the amount is too much and be hit with high interest rates as time goes on.

It is better to set up a second home equity line of credit before you even need it.  If something unexpected happened that was very expensive you would be able to finance it without having to worry about getting approved at the time you need it most.  It can cost $50 a year or more depending on the lender to have a home equity line of credit.  Usually the first year is free.  2nd Home Mortgage Loan – Benefits to having a Home Equity Line of Credit


How Hybrid Cars Work - Limited Number of Tax Credits - What to Look For When Buying a Hybrid-Electric Vehicle - Honda Insight and Toyota Prius

How Hybrid Cars Work - Limited Number of Tax Credits - What to Look For When Buying a Hybrid-Electric Vehicle

Honda Insight

Why are hybrid cars better than traditional all-gasoline powered cars?  Unlike the all-gasoline powered cars, hybrids use both electric batteries and gasoline.  Unlike electric cars, hybrids do not need to be plugged-in at night, and you fill up with gasoline at the filling station just as you do now.

Hybrids have both a small gas motor and an electric motor.  The electric motor is powered by a set of batteries that are charged when the car is decelerating and sometimes while stopped.  Essentially, the hybrid is an electric car with a built-in recharger for longer range.

The big advantage is gas mileage.  If gas prices continue to rise, hybrid owners will save substantially more money at the pump than all-gasoline powered vehicles. How Hybrid Cars Work - Limited Number of Tax Credits - What to Look For When Buying a Hybrid-Electric Vehicle - Honda Insight and Toyota Prius


How to Save Money using Coupons when Grocery Shopping for Food

How to Save Money using Coupons when Grocery Shopping for Food

Coupon Organizer

Oprah’s last Debt Diet show on March 24th, discussed how two families are coping with budgeting and learning to eat at home.  One of the families had spent $29,000 last year eating out for all of their meals.  While many of us do find our way in the kitchens more often than that there are things we can do to help keep our grocery food bill low.

One way that most of us know about is using coupons.  Coupon clipping can be an amazing money saving technique.  It takes organization to really save substantially with coupons.  If you are serious about coupon clipping you will learn what Sunday papers have the most coupon inserts.  Usually just before a holiday the coupon section is stocked full of good coupons.  It can really pay to buy multiple newspapers for the coupons if you having savings on your mind.  How to Save Money using Coupons when Grocery Shopping for Food


Compare Adjustable Rate Mortgages (ARMs) with Fixed Rate Mortgages (FRMs) - Interest Only and Pick A Payment Loans - Alternative Financing
 

Compare Adjustable Rate Mortgages (ARMs) with Fixed Rate Mortgages (FRMs) - Interest Only and Pick A Payment Loans - Alternative Financing

Read the details 

There are many choices in the mortgage marketplace, and it is important to choose the right type of loan.  Choosing the right loan could save you thousands over the term of the loan. 

There are a few basic options including an adjustable rate mortgage (ARM) and a fixed rate mortgage (FRM).  The ARM can be a powerful tool, sometimes offering borrowers lower initial payments.  This makes it easier for borrowers to qualify for larger loan sums. 

If the borrower expects interest rates to rise, a FRM may be better.  If qualifying for  a loan is a problem, there are a couple things that can help protect borrowers when choosing a ARM.  For instance, if interest rates do go up, you want to be able to cap your maximum interest rate and also the amount your interest rate can increase per month.  Make sure your ARM includes both types of interest rate caps.  Compare Adjustable Rate Mortgages (ARMs) with Fixed Rate Mortgages (FRMs) - Interest Only and Pick A Payment Loans - Alternative Financing 


Types of Reverse Mortgages - How to Qualify and Things to Look Out For When Shopping for a Reverse Mortgage

Types of Reverse Mortgages - How to Qualify and Things to Look Out For When Shopping for a Reverse Mortgage

Cash Poor & Equity Rich

Many older Americans over the age of 62 may find themselves in a position of cash-poor while sitting on a large sum of equity.  Reverse Mortgages are one option for paying off medical bills, supplementing income, or a method of making retirement more enjoyable with travel.  Whatever the reason for considering a reverse mortgage, we have learned that there are a few things to consider before signing on the dotted line.

There are three types of reverse mortgages.  The first is a single-purpose reverse mortgage which may be offered by some state and local government agencies and nonprofit organizations.   The loans usually have a very low cost, but they are not available everywhere.  The barrower may need to be low to moderate income and have a specific use intended for the funds such as home improvement, property taxes, or health expenses.  Types of Reverse Mortgages - How to Qualify and Things to Look Out For When Shopping for a Reverse Mortgage


Who Should Get a Interest Only Loan?  Compare IO Loans to Fixed Rate Mortgages (FRMs) and Adjustable Rate Mortgages (ARMs) Before Deciding

Who Should Get a Interest Only Loan?  Compare IO Loans to Fixed Rate Mortgages (FRMs) and Adjustable Rate Mortgages (ARMs) Before Deciding

Interest Only Home Loans

Interest Only (IO) Loans may be practical if you are planning on selling the home within the next 10 years or less.  The payments will typically be lower than fixed rate mortgage (FRM), but the loans may include a balloon payment at the end of the term.  In other words, if you take a loan out for $40,000, you may pay interest only for ten years, but after ten years the loan may be due in full.

Some lenders will offer IO loans, where after the specified interest only period, the loan principal can still be paid off in installments.  This may sound better, especially if you are planning to sell your home.  You will have access to the equity at a relatively low monthly cost.   Who Should Get a Interest Only Loan?  Compare IO Loans to Fixed Rate Mortgages (FRMs) and Adjustable Rate Mortgages (ARMs) Before Deciding


Financial Planning – Get a Savings Account started even when Your in Debt

Financial Planning – Get a Savings Account started even when Your in Debt

Saving Money takes effort

In the United States this past year people on average had a negative savings account of .5 percent.  This statistic was only reached on time before during the Great Depression.  What has happened is that Americans are spending more money than their after-tax income.  Americans were not saving money but going into debt on average. 

The reality is that at some point financial issues need to be addressed.  Costs of living have gone up considerably as gas and heating cost have been on the rise.  There is also a general increase of goods across the line because of underlying fuel prices.  Shipping cost and transportation cost increase the costs of goods sold.  Health insurance rates continually go up in price and employers are giving more of the cost to the employee.  Financial Planning – Get a Savings Account started even when Your in Debt


Hybrid Cars Save More Than the Environment – Hybrids Will Save You Money on Gas and Taxes

Hybrid Cars Save More Than the Environment – Hybrids Will Save You Money on Gas and Taxes

Lexus Hybrid

This may be the best year to buy a hybrid car.  There are tax credits and more models available than in years past.  Last year the Federal Government offered a tax deduction which could save the buyer money, but not nearly as much as a credit.  Unlike tax deductions, tax credits are deducted directly from your taxes, not your income.  Typically, tax credits will save more money. 

Recently Consumer Reports sent their Auto Issue which included a claim that none of the new hybrids cars could save the buyer money over a five year period.  After the issues were sent to their subscribers, Consumer Reports admitted they were wrong.  They now say that the Toyota Prius and Honda Civic Hybrids can save purchasers money over five years.  Evidently their calculations were erroneous. Hybrid Cars Save More Than the Environment – Hybrids Will Save You Money on Gas and Taxes


How to read an Insurance Policy - How to Understand Legal Contract Terminology

How to read an Insurance Policy - How to Understand Legal Contract Terminology

Antique Contract

If you ever put off reading the fine print of the any insurance policy you will find this article helpful in understanding what to look for in the fine print.

Insurance policies are a contract between you and the insurer, and are not written so the average person could pick one up, read it from front to back, and come away with a meaningful understanding of what they just read.  The structure of a policy is usually very confusing, and they are loaded with special definitions.  Fortunately, most insurance contracts share a similar structure.  Once you understand how it is structured, you are in a much better position to understand what is and what is not covered under the contract.  Insurance policies contain the following general sections, but are not always set-up in the same order.  How to read an Insurance Policy - How to Understand Legal Contract Terminology


Tankless Water Heaters Can Save Money - Higher Natural Gas and Propane Prices Make Energy Saving Waterheaters More Popular

Tankless Water Heaters Can Save Money - Higher Natural Gas and Propane Prices Make Energy Saving Waterheaters More Popular

Outdoor and Indoor Tankles Water Heaters

Now that natural gas prices and propane prices have shot up, the hot story for consumers is the tankless water heaters.  If you are considering purchasing a new water heater, you should consider the tankless models.  Sure most people wait for the old one to go-out before they drive down to Home Depot or Lowes to shop for a water heater, but you could begin saving money immediately with these new heaters.   Tankless Water Heaters Can Save Money - Higher Natural Gas and Propane Prices Make Energy Saving Waterheaters More Popular


Advantages to Buying a Hybrid Car – Consumer Reports Was Wrong – Some Hybrids Are Worth the Extra Money – Save on Travelers Insurance

Advantages to Buying a Hybrid Car – Consumer Reports Was Wrong – Some Hybrids Are Worth the Extra Money – Save on Travelers Insurance

Honda Civic Hybrid

There are many motivational factors that might entice people to buy hybrid cars.  First off, they can save money on gas.  Hybrid cars use less gasoline than conventional non-hybrid cars, and buyers will continue to save money every year they own the car.

Consumer Reports recently looked at hybrid cars and came to the conclusion that none of them would be worth the extra cost.  Hybrids do cost a few thousand dollars more than conventional cars.  After considering the savings in fuel and adding the extra cost of registration, interest on the price difference and other factors, the magazine concluded that hybrids were not such a bargain.

It wasn’t until Consumer Reports mailed out their special Automotive Issue to their subscribers that they realized that they had made a mistake in their calculations, and two hybrids were actually worth the extra initial cost.  Advantages to Buying a Hybrid Car – Consumer Reports Was Wrong – Some Hybrids Are Worth the Extra Money – Save on Travelers Insurance


Home Improvements that will Increase the Value of your House when you are ready to Sell

Home Improvements that will Increase the Value of your Home when you are ready to sell

House with curb appeal

Home improvement can add a lot of extra cash value to your home when you go to sell it.  You need to know how much value will be added and if it is worth actually going through with the home improvement project.

There are times when people overspend on a kitchen remodeling project and actually will lose money on the investment when the go to sell it.  What you need to do is to make sure you know what your house value is currently worth and what surrounding homes in your market are worth.  If your home is at top dollar value for the neighborhood, you would not likely want to spend of money on home improvement.  You would work on just cleaning up your house to be as neat as possible.  Home Improvements that will Increase the Value of your House when you are ready to Sell


Do you really need Life Insurance - Who should have Life Insurance and What Kind of Policy

Do you really need Life Insurance - Who should have Life Insurance and What Kind of Policy

Life Insurance Certificate from the 1920's

Life Insurance doesn’t benefit the person that dies; it benefits the family that is left behind.  Not everyone should have life insurance.  But there are prime areas in your life that make it a valuable investment.

Life insurance could be for anyone at any age.  But the reality is that the most helpful life insurance policy is for a family income earner that is currently raising a family.  If there young children that are not able to support themselves you should have a life insurance policy.  Today, it is more common for both parents to work to earn enough to survive.  If you can’t make it on one income you definitely need to have a life insurance policy.  If you both are income earners then both should have a life insurance policy.  Do you really need Life Insurance - Who should have Life Insurance and What Kind of Policy


Hybrid Car Benefits – Why buy a Hybrid?

Hybrid Car Benefits – Why buy a Hybrid?

Lexus RX 400h SUV

Consumer Reports admitted they were wrong in their recent Automotive issue which was just released.  Consumer Reports magazine said that hybrid cars were not that good of a deal and later admitted that 2 of the models were ok.  It got me thinking of the calculations that they did not consider when they reviewed the hybrid automobiles.

One consideration is that the gas prices may still skyrocket.  This factor is very real.  There is a great amount of instability in the Middle East that threatens the cost of gas.  Iran is threatening to block routes that deliver the oil which could add an extra expense.  In a five year period we may see outrageous gas prices.  This could become real savings.  Hybrid Car Benefits – Why buy a Hybrid?


Oprah’s “Debt Diet” - Financial Trouble can be related to our Thoughts and Attitudes

Oprah’s “Debt Diet” - Financial Trouble can be related to our Thoughts and Attitudes

Piggy Bank

Today Oprah had her third show in the “Debt Diet” series.  It was a very difficult show to watch as a psychotherapist Dr. Robin digs below the surface of two of the families that are struggling with their financial situation.

At times it was difficult to watch, you know that these people were so humiliated by their financial situation and you know they didn’t want to cry on national TV.  But it took a lot of courage to confront their financial problems in a big way.

The first family told their immediate family and friends of the financial troubles they were having.  It is a step to acknowledge that you have a problem.  The problem with debt is that it is something that people don’t share or want to acknowledge.  Debt is embarrassing and humiliating for most people.  Oprah’s “Debt Diet” - Financial Trouble can be related to our Thoughts and Attitudes


Consumer Reports Admits Some Hybrids Cars can Save Buyers – Toyota Prius and Honda Civic Best Savings – Stop and Go Drivers Save Most Money

Consumer Reports Admits Some Hybrids Cars can Save Buyers – Toyota Prius and Honda Civic Best Savings – Stop and Go Drivers Save Most Money

Toyota Prius

There has been a big controversy as of late about the economic benefits of hybrid cars after Consumer Reports stated in its April auto issue that no hybrid vehicle can save money compared to a gasoline peer.  The special issue has already been sent out to their subscribers.  Now the magazine says they were wrong. 

Now the magazine says that some hybrids will save you money over a five year period.  The Toyota Prius and Honda Civic Hybrid, will save their owners $406 and $317, respectively.   Consumer Reports Admits Some Hybrids Cars can Save Buyers – Toyota Prius and Honda Civic Best Savings – Stop and Go Drivers Save Most Money 


Radiator Maintenance - How to Do Car Maintenance Yourself

Radiator Maintenance - How to Do Car Maintenance Yourself

Radiator Fluid

Maintaining your vehicle is essential if you want to keep it running well and operating at peak performance. The usual maintenance procedures, such as oil changes, are usually not issues for most people ­ but performing basic maintenance operations to keep your radiator and engine running well are just as important yet more often overlooked. Radiator maintenance is an integral part of the overall “health” of your vehicle because the engine has to remain at a prime operating temperature in order to work properly. If your engine overheats, for example, you’ll have a lot more headaches than if you keep up with important maintenance tasks on a regular basis.

Radiator maintenance is mostly about the fluids. Other problems with the cooling system can arise, for various different reasons, but for basic maintenance and upkeep properly maintaining the vital fluids in the radiator is what will keep your vehicle humming with life for years to come. Whether you utilize the services of your local shop to perform key maintenance and repair processes or do everything yourself, it is recommended that coolant is replaced every year or so. In addition to coolant replacement, it is also a good idea to flush and refill the radiator every 1 to 2 years to ensure the cooling system will run well, even if your mileage is low after this period of time. Following such a maintenance schedule is vital if you want your vehicle to be properly and consistently maintained.  Radiator Maintenance - How to Do Car Maintenance Yourself


Treadmill Warranties Say It all!

Treadmill Warranties Say It all!

Check the Warranties

If you are in the market for a treadmill, you are going to be overwhelmed with the various models and the features that are available. Treadmills come in a myraid of configurations, and the quality of the components can be as different as those found in a Mercedes versus a Yugo.

Here is an example of some considerations:

  • What size motor is proper for my needs?
  • What should be the length and width of the treadbelt?
  • How many programs are adequate?
  • What size roller is best?
  • How thick should the deck be?

To complicate matters further, as with any competitive market manufacturers label their features with hyped up names. Suggesting they have some unique design that makes their models special. Here is an example of one company that uses terms for features found in most other treadmills: SafeZone Lift System; Smart Board Console; RapidResponse Drive System; and ComfortZone Cushioning System.  Treadmill Warranties Say It all! 


MSN Travel revamps their Website to incorporate multiple Travel Features

MSN Travel revamps their Website to incorporate multiple Travel Features

MSN Travel Website

Microsoft completed surveys and found that 3 out of 4 consumers in the United States will visit multiple websites when planning their travel and vacation.  Microsoft revamps their MSN Travel Web site at travel.msn.com to help meat the needs of the consumers when planning their travel.  Currently you can see their beta version that they are working on that will offer a complete travel solution for consumers.

The research survey found that most of the consumers valued websites the most when they were research/guides of activities and things to do.  Booking a flight on an airplane and comparing hotel rates were second most helpful.  Consumers found that travel and news related articles to be the third most helpful in planning their trip using the internet.  MSN Travel revamps their Website to incorporate multiple Travel Features


How to Make Money In Your Spare Time - Extra Money Opportunities While Running Home Business or at Work

How to Make Money In Your Spare Time - Extra Money Opportunities While Running Home Business or at Work

Zoompanel Website

So if you’re like me, before I started doing survey's on-line, you might be thinking that I'm trying to sell you something or that you'll probably need your credit card handy. Well to put your mind at ease this is just a brief account of where I have been, and who actually pays.  So keep your credit cards in your wallet or purse because I'm not selling anything.

I've been doing this for a few years, and have received everything from free magazine subscriptions to cold hard cash. I've also had my share of B.S. survey sites that promise you one thing and then actually end up giving you nothing. They throw points at you, they throw sweepstakes at you, they offer money and then pull it away at the last minutes after you've done their survey for numerous amounts of time that has now been wasted. So here are the best survey sites and others that will definitely give you what you deserve for your time. It is great for stay-at-home moms and dads.  How to Make Money In Your Spare Time - Extra Money Opportunities While Running Home Business or at Work


Credit cards that offer No Late Fees may have Hidden Costs

Credit cards that offer No Late Fees may have Hidden Costs

Hidden Fees

Citibank has the most humorous ads on television promoting there no hassle no late fee credit card; however there are things to be aware of with any credit card, the fine print.

There is a shorter grace period than there used to be, so when the bill comes in it often needs to be paid within a couple of days in order for it not to be counted late.  Late fees are added to your account on most credit cards and can range from $45 - $50 on average.

While it is nice to not get a late fee, you should still make every effort you would any card to pay it in a timely matter.  The penalties for not paying on time with any late fee cards are costly.  If you are late for a couple of times your interest rate could go up to more than 30 percent.  In addition this penalty, you also will get a lower credit rating.  They will report anyone that is over 30 days late in paying there bill.  This can wreck your credit rating.  So it is important to make sure that you pay every month on your credit card bills at least the minimum amount that is due.  Credit cards that offer No Late Fees may have Hidden Costs


Car Sharing – Zipcar and Flexcar is a new way to save Money and Time

Car Sharing – Zipcar and Flexcar is a new way to save Money and Time

Zipcar in New York

Car Sharing is a new way to get around.  You can get around a major city with a car sharing. You pay a membership fee to participate and you book times and places when you will use the car.  The good part about this is that a person has a parking spot for the car, and can avoid parking tickets and expensive parking fees.

There is an estimated 80,000 people that are participating in the car sharing services.  Flexcar is mostly on the west coast covering major cities including, Seattle, Portland, Los Angeles, San Diego, and San Francisco.  Flexcar also services Washington D.C. and Chicago.  Flex car has the best support at this time in Seattle.  A person in Seattle is only a 5 minutes walk from a Flexcar.  Car Sharing – Zipcar and Flexcar is a new way to save Money and Time


Oprah’s “The Debt Diet” series offers good Financial Help to Get out of Debt

Oprah’s “The Debt Diet” series offers good Financial Help to Get out of Debt

$100 Bill

Oprah has just aired part 2 of the 3 show special called “The Debt Diet”.  This show offered advice on how families are struggling with debt because of poor management on spending.  The 3rd in the series will air on ABC on March 10th.

It was good to watch the process that the professional money managers used to approach the debt consolidation.  What each family did was determine there monthly bills and expenses.  When looking at the totals for their expenses they found that there were a lot of hidden expenses.  

One family over spent on TV and cable bills.  They also wanted the best for their children and had a nicer upright piano.  The financial planner wanted it gone.  They settled for a smaller upright. The big screen TV went back.  They couldn’t give up their cable but they downsized to a cheaper plan.  Oprah’s “The Debt Diet” series offers good Financial Help to Get out of Debt


Vacation on the Beach the Smart Way - Beachfront Houses and Trips

Vacation on the Beach the Smart Way - Beachfront Houses and Trips

Beach House

Almost everyone agrees; there is no more relaxing way to vacation than to take it to the beach. For the vacationer/traveler who hasn't considered a beach house rental before, they represent an affordable and fun family oriented alternative.

There is an intelligent way to plan your vacation on the beach. It all starts with thorough good planning, research and flexibility. This guide will give you a few pointers for vacationing on the beach the smart way.

First off, start planning your trip as early as possible. This is the key to experiencing the best possible relaxation. If you want to vacation in August, you really have to start planning as early as September or October. Planning ahead is the best way to ensure you get the exact dates you’re looking for. Vacation on the Beach the Smart Way - Beachfront Houses and Trips


Review – Lexus luxury Hybrid the GS 450h Sedan

Review – Lexus luxury Hybrid the GS 450h Sedan

Lexus GS 450h Sedan

Lexus has the first luxury hybrid sedan called the GS 450h shipping this spring.  The Lexus GS 450h has certification for Super Ultra-Low Emission (SULEV) standard.

The GS 450h has a 3.5 liter V6 engine along with the high-output electric-drive motor.  The combined force of the two motors delivers over 300 horsepower. You can accelerate from 0 – 60 in less than 6 seconds.  It has large 18 inch stylish wheels.  You can expect around 35.8 miles per gallon fuel usage.  Review – Lexus luxury Hybrid the GS 450h Sedan


Student Loan Rate Increase coming July 1st - Consolidate your debt to save on Interest and lower Payments

Student Loan Rate Increase coming July 1st - Consolidate your debt to save on Interest and lower Payments

Graduation Day

The Stafford loans and Plus loans are set to increase considerably come July 1st.  The Stafford loan will increase from 5.3% up to 6.8%.  The Plus loan will increase from 6.1% up to 8.5%.  There is an increase in borrowing limits for undergrads for their first and second year in school. Graduate students also have an increase in borrowing limits.  It is possible that the reasons that the government had to increase interest rates are due to the Hurricane Katrina relief efforts and also an effort to lower the federal deficit.

Stafford loans are for those that have the most financial need. The Plus loans are made available for all parents regardless of financial need for the undergraduate student.  Graduate students also can qualify for a Plus loan.  Plus loans have interest from the time the loan is made, payments start as soon as the last disbursement for funds is finished.  It is important for the soon to be graduate to check to see if the interest rate changes will affect their loan.  Student Loan Rate Increase coming July 1st - Consolidate your debt to save on Interest and lower Payments


Killing Germs better with a Vinegar and Bleach Combination

Killing Germs is better with a Vinegar and Bleach Combination

Vinegar lowers the pH of Bleach

Researchers from MicroChem Lab Inc. in Euless, Texas reported that adding white vinegar to diluted household bleach will dramatically increase the amount of bacteria it will kill.  If you are looking for an inexpensive way to disinfect your bathrooms and kitchens it looks like this would be a great affordable cleaning solution.

The researchers first reported their results recently at the 2006 ASM Bio-defense Research Meeting.  What they discovered was that the vinegar mixed with bleach lowers the pH of the liquid cleaner making it more effective at killing bacteria.  Killing Germs is better with a Vinegar and Bleach Combination


Ready Buyers for Your Real Estate Property

Ready Buyers for Your Real Estate Property

Real Estate

When you’re ready to put your property on the market, you want to get the most qualified buyers to take notice. This is especially the case if you have already purchased another property or need to relocate within a short time span. Rather than spending days bickering over a fair selling price or financing terms, you may want to draw those who are ready to do business, so you can finalize the deal as soon as possible. If that’s the case, here are some tips that can help to attract those who are ready to sign on the dotted line.

1. Avoid contingency offers. These buyers have a property of their own to sell, and may not even have any firm purchase offers they are negotiating. If you sign a contract with this type of buyer, the sale of your property might not be final until their property sells. Ready Buyers for Your Real Estate Property


Shorten the time for Paying off Credit Card Debt and Save Money

Shorten the time for Paying off Credit Card Debt and Save Money

Calculator

Have you ever thought what if I would pay just $10 more each month would it really pay off my debt that much faster?  What you will find is that every dollar does count.  The sooner you pay off your credit card debt the sooner you stop losing money on the interest you are paying on the credit card.

If you are faced with credit card debt, it is not an easy thing to even want to address.  However, once you do start to address the problem and see the results, the better off you will be in the future.  Every time you don’t pay off your credit card debt you are increasing the amount of interest that you will have to pay off.

It may be extremely difficult to make the minimum payments and in previous articles I talked about how you can budget to stretch a couple extra dollars to help pay off the credit card debt.  I also have talked about transfer deals and how to lower your credit card interest rates.  These are two strategies that you should use to get you to the ultimate goal of paying off the debt as soon as possible.  Shorten the time for Paying off Credit Card Debt and Save Money


How to Get Top Dollar from Your Home or Condo

How to Get Top Dollar from Your Home or Condo

Get Top Dollar for Your Home

Every property owner wants to receive the maximum profit from a home or condo sale. Although your property may already look great and represent a super offer to potential buyers, here are a few tips that can help to bring out its best features.

1. Emphasize curb appeal as you work on your home’s external appearance. Trim the lawn and eliminate weeds. Dress up the porch or front door with a fresh coat of paint and hanging plants or a wreath. Set out a couple of cozy chairs, and pick up all the kids’ toys around the yard. Your front entrance will welcome or repel guests, setting the tone for their overall basic impression.

2. De-clutter the interior. Remove junk like stacks of newspapers or magazines, pet toys, and stray blankets or mail. Store unused furniture in the attic or basement. Your rooms should look comfortable and lived in without feeling crowded. Cover worn spots in furniture with doilies or slipcovers. How to Get Top Dollar from Your Home or Condo


10 Ways to Win Photo Competitions and Contests

10 Ways to Win Photo Competitions and Contests

Photo Contests

How many times have you seen competitions with amazing prizes?  Even more important - how many times did you go in for them?  Adopt a Positive Mental attitude and you too can win Photo-competitions.

Here are some basic rules -

1 READ THE ENTRY RULES !

Most competitors are actually disqualified because they don't read the rules.  Usually the promoting company wants to push THEIR product or service and you should bear this in mind while choosing what to send them. If the rules say they want color prints the don't send b/w or digital entries.  10 Ways to Win Photo Competitions and Contests


General Motor’s “Live Green Go Yellow” Campaign to Fuel the Ethanol Industry

General Motor’s “Live Green Go Yellow” Campaign to Fuel the Ethanol Industry

Ethanol is made from corn

General Motors said that the “Live Green Go Yellow” campaign launched at Super Bowl XL is getting a lot of recognition at the Chicago Auto Show today.  In Chicago there will be several major buildings that will be illuminated in yellow lights during this auto show to remind people of their campaign. 

GM has also have made a personalized marketing effort in the streets in Chicago letting everyone know about the “Live Green Go Yellow” campaign by offering giveaways and having a major presence in the 2006 NASCAR Craftsman Truck Series and promotions with 2005 NASCAR Nextel Cup champion, Tony Stewart. General Motor’s “Live Green Go Yellow” Campaign to Fuel the Ethanol Industry


Lexus RX Hybrid Car - Save on Gas Mileage and Estimated Tax Credit with Luxury

Lexus RX Hybrid Car - Save on Gas Mileage and Estimated Tax Credit with Luxury

Lexus Hybrid

Lexus has jumped into the hybrid car market with their Lexus RX.  Now consumers can have both luxury and fuel economy.  Front wheel drive models start at $45,000 and all wheel drive models starting at $47,000.

There are some options with this model.  One factory option is the DVD Rear-Seat Entertainment System (RSES).  This includes two pairs of wireless headphones.  The RSES will set you back $1,840.  You can also get heated front seats with rain sensing wipers for another $665. 

If you are into great sound systems, Lexus can accommodate you there as well.  You can get the Mark Levinson® 11-speaker, 210-watt Premium Audio System with in-dash, single-feed, six-disc CD changer for $980 as a factory option.  Lexus RX Hybrid Car - Save on Gas Mileage and Estimated Tax Credit with Luxury


Ford Escape Hybrid E85 Car will Run with up to 85% Ethanol Gas Mixture -  Auto Shows

Ford Escape Hybrid E85 Car will Run with up to 85% Ethanol Gas Mixture -  Auto Shows

Ford Escape E85 Hybrid

Ford has been doing a lot of advertising for their hybrid Escape lately, but did you know they are also developing an ethanol version?  Ford unveiled their Ford Escape Hybrid E85 at the Washington Auto Show.  This vehicle is being touted as the first hybrid car capable of operating on blends of fuel containing as much as 85 percent ethanol.  That is why they call it the E85.  The E85 means it will run on the 85% ethanol blend fuel.

Ethanol is a renewable fuel resource that can be produced from American-grown corn or sugar beets.  According to the Guage Magazine website “ethanol use releases no fossil-based CO 2, so its use as a fuel in place of gasoline reduces the release of greenhouse gases”.  Ford Escape Hybrid E85 Car will Run with up to 85% Ethanol Gas Mixture -  Auto Shows


Travel in the United States since the terrorist attacks of 9-11 - How have things changed?

Travel in the United States since the terrorist attacks of 9/11 - How have things changed?

Airline Travel has changed

Long gone are the days when an airline passenger is able to go straight to the gate and catch their flight. As you all know, the way we think about travel has been profoundly changed by the events of Sept. 11 and their aftermath. These shifts have had a practical and psychological impact on all of us. Most of these changes have taken place in the airline industry although other parts of the travel industry and the nation as a whole have been forced to adjust also.

Immediately after Sept. 11, as you know, travel was drastically reduced virtually across the planet. In the past year, it has been steadily picking up. However, in most cases, it has not reached pre-September 11 levels. Domestic travel In the United States has recovered much more quickly than international travel. In fact, domestic travel has been very strong this summer, with some destinations such as the national parks are reporting record breaking numbers of visitors. International travel has been picking up too, but more slowly. Recently, more people are beginning to plan international trips again.  Travel in the United States since the terrorist attacks of 9-11 - How have things changed?


How to Budget – Income Management through Budgeting can help pay off Debt

How to Budget – Income Management through Budgeting can help pay off Debt

Every little bit counts

There are two ways to get more money to pay off debt, one way is to stop spending as much and the other is to make more money.  The reality of what got a person into debt in the first place was likely due to a lack of budgeting each month.  Even if a person did make more money it still does not guarantee that they will live within there pay check.  Sometimes unfortunate events like medical bills can creep in,  but with budgeting in place it can help to prevent you from coming up short for these unexpected events.  How to Budget – Income Management through Budgeting can help pay off Debt


Advantages in Consolidating Credit Card Debt into a Home Loan

Advantages in Consolidating Credit Card Debt into a Home Loan

Equity in your Home

There are some things you need to consider before consolidating credit card debt into a home loan.  Some home owners may not want to take unsecured credit card debt and convert them into a secured loan using the house as collateral.  But now that the bankruptcy laws have changed, this option may get more serious consideration.

Last year minimum credit card payments doubled as well.  Some people may have been forced to pay emergency medical bills off using their credit cards.  At the time they did that their income may have been enough to make those minimum payments.  Other people that started their own business may be feeling the crunch as well.  They may have had just enough to pay the minimum.

The Feds just recently raised interest rates.  Hopefully we never go back to double digit inflation and extremely high interest rates, but this may be another consideration in refinancing.  If you plan on living in your home for more than five years, refinancing may be worth it.  Talk to your financial planner or accountant first.  Advantages in Consolidating Credit Card Debt into a Home Loan


Selling Digital Photos - How to Buy a Digital Camera

Selling Digital Photos - How to Buy a Digital Camera

butterfly

Customers Worldwide are looking for photos to sell their goods/services right NOW.  You can sell photos from your digital camera.

1 of 7 articles

These articles will tell you how and where to sell them.  There are several ways to do this but the most common is through a photolibrary.  You need at least a 6 Megabyte camera or people won't look at your pictures.

DIGITAL CAMERA

The biggest thing to hit Stock Photography since the start of Photography.  Publishers are now able to bypass the whole scanning process and make major savings.  Fuji, Canon, and Nikon are the most commonly used pro Digital cameras.  Selling Digital Photos

 
 
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Copyright 2005 Best Syndication                                            Last Updated Sunday, July 11, 2010 01:17 AM