A secured debt is a debt that you collateralized with an asset that you own. (The asset is often referred to as your collateral.) When you collateralize a debt, the lender puts a lien on that asset, which gives the lender the legal right to take the asset if you fall behind on your payments. For example, if you have a mortgage loan, your lender has a lien on your home. If you have a car loan, the lender has a lien on your vehicle. A lot of your debt, like credit card debt, is probably unsecured, which means that…
Author: Luis
When your résumé and cover letter are up to date and you’re ready to turn a practice interview into a real one, how do you find potential employers? National online job Web sites like CareerBuilder (www.career builder.com), Job-Hunt.org (www.job-hunt.org), Monster. com (www.monster.com), and America’s Job Bank (www.ajb. dni.us). Some of these sites send you email alerts to let you know about new job listings that match your criteria Niche online job sites that focus on a narrowly defined type of job or on jobs within a specific industry. For example, www.dice.com focuses on high-tech jobs; www.bankingboard.com zeroes in on jobs…
It is really easy to create new social networks or digital platforms, but it is really hard to keep them alive; it is necessary to create a community that uses these social tools. A community is a group of people who keep in touch with each other; they share an idea, a passion, and a mission. Internet destroyed barriers to time, space and costs; blogs and social networks make communication easy and fast. Community build up Nowadays, a group of people, who share a passion, can easily become a community. Human beings always want to belong to a group, sharing…
Online vs. in-store shopping has become quite the debate as stores clamor to attract both types of shoppers. However, which one has the better deals? Are stores more likely to bend over backward to get you the best deal online, or will they try to lure you in with lower prices in person? Read on to learn about who has the better deals. Coupons and Special Offers Nine times out of ten you’re going to find more offers when shopping online due to coupon codes aimed to lure you back to complete the purchase through abandoned cart email offers, online-only…
you can rent the apartment of your choice, or whether you’ll be hired for certain jobs. A particularly finance-conscious romantic prospect may even nix you for a bad credit history! Your credit score can cost you thousands of dollars and deny you opportunities you never even knew you missed. Clearly, what you don’t know can hurt you. Consider two hypothetical life situations to illustrate this point Read more about: Khatrimaza Say you signed up for a dating service. Now, what if all the information available to your prospective dates is given to them by people you’ve dated in the past?…
The NCSS identifies ten major themes of social studies that help kids learn how to live in a global society. Some of the ones your child will learn about include: Culture The current and historical study of the customs of different groups of people, looking at how cultures compare to each other and change over time Time, Continuity, and Change Learning about the past as a way to understand the evolution of human experience and how it has led us to where we are now. People, Place, and Environment A study of climate, geography, and natural resources to learn more…
If math is all around you, it would stand to reason that math would be easy to learn, and fewer kids would have trouble with it. In actuality, it’s often not the math that kids are having trouble with, but learning it. There are a few factors that contribute to kids finding math difficult. Math phobia The idea that math is hard is a myth that many kids buy into before they even give it a try. It seems overwhelming to them, and they freeze up when it comes to doing math. Learning style differences Kids don’t all look the…
Pencils A sharpened pencil with a good eraser is a must-have for most activities. Try to keep small golf pencils on hand for younger children, as they are easier to grasp. Index cards Index cards can be used for many different things, from making flipbooks to making flash cards. Be sure to buy them in white, lined, and multicolored. Markers Permanent markers are useful for making your projects last longer and in labeling all types of materials, while a package of multicolored felt-tip markers can help in personalizing and decorating your child’s work. Scissor Have a pair of adult scissors…
For a score to be calculated, you need to have at least one account open and reporting for a period of time. In this category, the Vantage people have the current edge. They require that you have only one account open for at least 3 months, and that account must have been updated in the last 12 months. FICO requires you to have an account open (and updated) for at least six months. Although having no credit history makes it difficult for you to get credit initially, you’ll find it a lot easier to build credit for the first time…
Beware of business “opportunity” proviron scams that you may find out about on the Internet, in your local newspaper, through the mail, and so on. Typically, the promoters of these scams promise you’ll earn big bucks after you pay them for equipment, software, supplies, training materials, and/or business leads. Typically, the value of what they sell you is negligible and far less than the fee you pay. Two common work-athome scams are envelope stuffing and medical billing. If a business opportunity sounds interesting, ask the promoter to send you printed information about its offer. Among other things, the information should.…