Adam J. Heist's Profile
Adam J. Heist's articles
Credit rating is not just a means to judge your financial reputation; it is a valuable tool in getting low interest rates with loans and insurance policies
Posted: 2007-03-04
Category: Credit
Needless to say, education is one of the prime assets of any individual. A person without an education can go nowhere in life and especially so, in today’s world of rapid competition.
Posted: 2007-03-04
Category: Loans
Not everyone is upset that home sales are dropping sharply in some markets. Sellers, realtors, and mortgage lenders are, but buyers certainly are not part of that group
Posted: 2007-03-03
Category: Finance
Identity theft continues to grow as a big problem all around the world. From Frankfurt to Toronto and from Nairobi to Sydney, consumers the world over are finding that their very identity are being stolen and reused
Posted: 2007-03-03
Category: Personal Finance
Secured credit cards could very well be your tool to put your finances back into the right track and help you in rebuilding your tarnished credit score
Posted: 2007-03-03
Category: Finance
As much as any one tries, it is becoming more and more difficult to keep pace with the clever scam artists that are operating in various markets today
Posted: 2007-03-02
Category: Finance
The standard tax deduction is a flat value of deduction over the entire gross taxable income.
Posted: 2007-03-02
Category: Finance
A generation ago the payday loan industry didn’t even exist. Its predecessor, check cashing outlets dominated the market, but it took the rise of the internet to bring the payday loan industry to the forefront
Posted: 2007-03-02
Category: Finance
Universal life and term life insurances are the two most commonly used health insurance plans available in the US today
Posted: 2007-03-01
Category: Finance
The whole notion of online banking was just a dream a generation ago. Yet, even then the seeds of online banking had been germinating in the form of automatic teller machine networks that allowed consumers to withdraw funds from various locations around the country, around the world as a matter of fact.
Posted: 2007-02-25
Category: Finance
Allowing your adult child to apply for their own credit card can be a wise choice, particularly if they are in college and starting to find their own way in life.
Posted: 2007-02-24
Category: Credit Cards
If you are in need of healthcare perhaps you have been charmed by sites offering you free health insurance quotes for you and/or your family.
Posted: 2007-02-23
Category: Finance
Not all moving costs are apparent and they can sneak up on you when you are most vulnerable: your home has been sold and you are ready to move to another state
Posted: 2007-02-22
Category: Loans
If you have a mortgage on your home, then paying it off early could be option for you to consider especially if the remaining debt is manageable.
Posted: 2007-02-22
Category: Finance
When a student applies for a credit card, oftentimes it is parents that object. Worries about being hit with a huge amount of debt is a valid point, but unfounded.
Posted: 2007-02-22
Category: Credit Cards
If you are behind on your mortgage one area of relief can come what may seem to be a strange place: your current mortgage lender. Yes, contrary to what you may think, your mortgage lender is your best friend when it comes to paying off your mortgage. Read on and you’ll soon learn how to work this relationship to your advantage.
Posted: 2007-02-21
Category: Finance
If you are struggling to pay your bills every month, then you are not alone. According to many consumer experts, as much as two thirds of all consumers find it difficult to get beyond living from paycheck to paycheck.
Posted: 2007-02-21
Category: Finance
Consumers are shocked to learn that their credit card rates are much higher than they were just a few months ago.
Posted: 2007-02-21
Category: Credit Cards
With fuel prices surging, this winter’s heating bills are certain to rise accordingly. For many consumers higher prices to heat homes will take their toll on budgets
Posted: 2007-02-16
Category: Finance
A prepaid debit card is a card that is not tied in typically tied in with a bank account. Instead of linking to your account, you obtain the card and deposit money to use later on.
Posted: 2007-02-14
Category: Finance
If you are in the market for purchasing a new car somewhere in the mix of that decision is how you will actually pay for the vehicle
Posted: 2007-02-14
Category: Finance
If you were to add it all up, by the time you paid off your mortgage loan after 30 years or so of payments, then your interest and principle costs would amount to more than two times the price that you paid for you home, even more than that if your mortgage rate is higher than the 6 to 7 percent common today
Posted: 2007-02-13
Category: Mortgages
Let’s face it: at some point in your life you will probably have to borrow some money. Whether to finance a new car purchase, pay for your kid’s braces, or buy a new home there are times when you will need to get money from an outside source.
Posted: 2007-02-12
Category: Loans
When you hear the word “debt” it can seem as if it is being uttered in the same breath as “sin” or “evil” or some other word that conjures a negative response.
Posted: 2007-02-12
Category: Finance
Credit cards are used by hundreds of millions of people and are very convenient, with some added perks like cash back for certain purchases
Posted: 2007-01-26
Category: Credit Cards
There is a wave of mergers & acquisitions hitting Europe and other places.
Posted: 2007-01-25
Category: Loans
Real estate prices have fallen across the United States, and most rapidly in the location that were the parts of the real estate bubble going up the most rapidly in the last five years, such as Florida, Arizona, and the Boston, Mass. area
Posted: 2007-01-25
Category: Real Estate
The merger mania is back now even at a higher level than during the days of Michael Milliken and junk bond mania.
Posted: 2007-01-25
Category: Finance
Hedge Funds are a bit funny; you have to pay 3 to 4 percent for management fees and other fees, plus about 20 percent of the profit, yet more and more people are crazy about them
Posted: 2007-01-24
Category: Loans
Day trading can be a very dangerous form of financial speculation, but it is going on from PC all over the United States and the world
Posted: 2007-01-23
Category: Trading
Is it interesting how a huge financial bubble can be created? Is it something that just happens? Are there dark forces behind it?
Posted: 2007-01-23
Category: Real Estate
It has become harder to go into personal bankruptcy, but the condition of not paying bills remains whether or not formal bankruptcy is filed
Posted: 2007-01-23
Category: Finance
There is still a huge demand for gold and silver. They represent the traditional means of retaining economic value when financial systems fail or go into hyper-inflation
Posted: 2007-01-22
Category: Finance
Bankruptcy for your business can be a traumatic event. However, it can become necessary, and at a certain point there is a need to move on in your economic life, just like it can become necessary in your personal life.
Posted: 2007-01-20
Category: Finance
Many people today look to the Internet to create an income stream for them. This can be much more difficult than it looks with the huge amount of websites set up, the struggle to get a good position on the search engines, and so on.
Posted: 2007-01-20
Category: Home Business
Marketing can be time-consuming, but it doesn’t have to be hugely expensive now, thanks to the Internet.
Posted: 2007-01-19
Category: Small Business
Say you have started a sole proprietorship business, in which you use your knowledge and skills to earn an income
Posted: 2007-01-16
Category: Finance
In today’s fast pace economy, it’s easy to outspend your means and run into a large amount of debt on credit cards
Posted: 2007-01-16
Category: Finance
With the decline of the value of the dollar by over 10 percent over the last year, the need for items of long-term value is increasing.
Posted: 2007-01-16
Category: Finance
The merger mania is continuing, with many firms in the United States and Europe being bought up by hedge funds.
Posted: 2007-01-16
Category: Finance
Stocks are a way to obtain a share of ownership of a corporation. They are used both as long-term investments and as speculative investments
Posted: 2007-01-15
Category: Finance
The stock-option backdating scandal has hit over 150 companies nationally as of October 2006.
Posted: 2007-01-15
Category: Finance
Writing out a household budget can be a complicated thing. While some people just look at their immediate rent or mortgage, food, transportation and entertainment budget, there are many more factors in a family budget
Posted: 2007-01-15
Category: Finance
With the internet in its phase two of a bubble, the growth in home businesses has been large as well.
Posted: 2007-01-14
Category: Finance
Dubai is seen as a “no-tax” emirate, with lots of connections to the rich in India.
Posted: 2007-01-14
Category: Finance
There has been a definite slump in the prices of houses for sale. This has been compounded with a tendency this year for the dollar to go down some 11 percent this year in relation to the Euro.
Posted: 2007-01-14
Category: Finance
Law enforcement officials have had a difficult time cracking down on offshore islands and countries that aid investors in concealing income and tax evasions
Posted: 2007-01-13
Category: Finance
There is a lot of material out on the information highway on what companies are doing.
Posted: 2007-01-12
Category: Finance
You will be focusing on what your prospect worries about every single day. Frame your discussions around your understanding of these, and you become a “trusted advisor” rather than just a sales person.
Posted: 2007-01-12
Category: Finance
The housing market since 1992, and at an accelerated pace, since 2001 has been going rapidly up.
Posted: 2007-01-12
Category: Real Estate
It seems that overseas trusts, in order to shelter your money from taxes, are expensive to run.
Posted: 2007-01-12
Category: Finance
Business people can fool themselves often about what their profits really are. Profits are not only cash available that you can spend as salary and reinvest in a business.
Posted: 2007-01-11
Category: Finance
You make the sale to a business by understanding what kind of business that you’re dealing with.
Posted: 2007-01-11
Category: Finance
Then, there are those businesses that lose money year after year, and it can be a mystery how they continue to amass investment capital and continue to grow.
Posted: 2007-01-10
Category: Finance
percentage of a company’s assets is fixed assets versus liquid assets? We need to know how much is being invested in the company over the long term.
Posted: 2007-01-10
Category: Finance
Understanding whether a business is doing well or poorly, is not a transparent thing.
Posted: 2007-01-10
Category: Finance
It can be scary to set up your own business, even when you know what you’re doing.
Posted: 2007-01-09
Category: Finance
Getting the proper insurance is a necessary expense in running your business. Various types of insurance policies are also extremely helpful in attracting and keeping good employees.
Posted: 2007-01-09
Category: Finance
Planning to start a new business can be like a leap into the unknown. Obviously, if you want to start a new business, you should go into something that you are familiar with, or can find out about in a relatively short time
Posted: 2007-01-09
Category: Finance
You need an idea to fill a need for goods or services to start a new business. You could be setting up an import-export firm to import or export goods that one area has difficulty in getting and the other area has an abundance to export, but you have to take into account routine factors.
Posted: 2007-01-09
Category: Finance
Keeping records for your business, whether a small one-man self proprietorship, or a business with dozens or employees, can be both necessary and helpful to your business
Posted: 2007-01-08
Category: Finance
It is necessary to keep adequate records to find out how your business is doing and what sort of profit you are actually making after expenses
Posted: 2007-01-08
Category: Finance
There are so many things that we all do on a regular basis even though we know that we should not be doing them
Posted: 2007-01-07
Category: Finance
There are those who are rich and then there are those who are not. What is it that makes the difference? It isn’t intellect because I know one too many fools who are wealthy
Posted: 2007-01-07
Category: Finance
Many businesses need licenses to function and indeed, to be legal. If you want to buy and sell real estate you need a real estate license, likewise for insurance, stocks and bonds, etc.
Posted: 2007-01-07
Category: Finance
Being the season of giving and receiving gifts it is appropriate that we take a look at what we have been giving and what we have been receiving.
Posted: 2007-01-06
Category: Finance
It’s that time of the year again when you are looking to close the year and begin a new one. Here are some tips that will help you close and get started on the right foot.
Posted: 2007-01-05
Category: Finance
It’s that time of the year again. Everyone is going for the last minute grabs at the stores for their holiday shopping
Posted: 2007-01-05
Category: Finance
The simplest and most powerful tool to understand when investing is the power of compounding.
Posted: 2007-01-04
Category: Finance
Money is the blood line of any business. It is a fact that over 90% of businesses go out of business within the first year and the reason is inadequate cash flow.
Posted: 2007-01-04
Category: Finance
Since the dollar has fallen from 2002 many investors have opened their eyes to opportunities in foreign currency trading.
Posted: 2007-01-04
Category: Finance
Everyone wants to be rich and in order to do so we have to be wise with our money. The first thing that we need to do is make sure we save some money every month
Posted: 2007-01-03
Category: Finance
In continuation of our exploration of the 12 most popular ways of getting out of debt, we come to our last article in the series.
Posted: 2007-01-02
Category: Finance
For all you debtors out there, in the last article we had discussed how one can use the Self Repayment method, the debt settlement method and the debt consolidation method, to reduce and pay off your debt.
Posted: 2006-12-28
Category: Finance
If you are in debt then there are lots of ways to get yourself out. There are advantages and disadvantages for each and every single one
Posted: 2006-12-23
Category: Finance
