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Wilfrid Baptiste - EzineArticles.com Expert Author
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Your Credit Reports Are Your Financial Portrait
[Finance:Credit]
Much of the purchasing made by individuals are done with the use of credits or loans. You get a car through a car loan, a house via a mortgage, your education through educational loans or just about any other need through the use of credit cards. Gone were the days when you had to carry load of cash to buy what you require.
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Stock Market For Beginners
[Investing:Stocks]
If you don't know about the stock market and are trying to learn about it, you are most likely to experience a severe case of information overload. Do a Google search for "stock market education" or "learn the stock market" and you'll be literally inundated with information. The same holds true if you look an Amazon or walk into a brick-and-mortar bookstore.
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How Secured Credit Cards Work
[Finance:Credit-Tips]
Many people are in the unfortunate situation where they have bad credit but they need to have a credit card. The reasons vary, but they're mostly related to being able to pay for stuff. For example, there's no need to stress the fact that if you're out shopping for what you need, it's so much safer to be able to use a credit card than to carry around a wad of cash. It's also more convenient that writing a check.
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Ten Painless Ways to Save More Money
[Finance:Personal-Finance]
This is a list of ways to save more money, the focus being on how easy they are to adopt and stick to. No lifestyle-altering suggestions here.
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How to Get Out of Medical Debt
[Finance:Debt-Management]
Although there's a lot of talk in Washington these days about how to go about making health care more affordable and extend coverage to all Americans, the sad fact of the matter is that there are a lot of people who are, right now, crumbling under a load of debt that they're really struggling to pay or simply don't have the means to pay for. An increasing number of those people just choose to walk away from such debt. But with the increasing number of defaults and the deepening recession affecting everyone, more and more hospitals and doctors choose to sell their uncollected debt to bill collectors, who will use all means at their disposal to make you pay. Fortunately, there are options to get out of medical debt.
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Free Online Tools to Help With Your Budget
[Finance:Personal-Finance]
There are several free software options to help you create and track your personal or family budget. Here's a partial list of the best options out there.
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Put Your Credit Card Away and Get Your Free Credit Report
[Finance:Credit-Tips]
It's pretty safe to say that by now almost everybody in America that even remotely pays an interest to their credit knows that they're entitled to a credit report report every year from each of the three credit bureaus. That law was voted in 2005, to protect the consumers and give them the possibility of keeping track of their credit history without necessarily having to pay for it. What the legislators probably didn't anticipate, is that this law would create a whole new industry based on the false promise of a free credit report.
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Paying With Plastic Makes You Spend More
[Finance:Personal-Finance]
Paying for your purchases with a debit or credit card, or even with a gift card, really feels different from paying with cold hard cash. In a way, it can even be said that it's so painless that you might come to think that you're not spending real money. Alas, besides the form of payment, there's really no difference, as the debits to your bank account (in the case of debit cards) and the charges to your outstanding balance (in the case of credit cards) will turn real in no time.
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Save Your Money - Buying Bottled Water Makes No Sense
[Finance:Personal-Finance]
Why have products that cost 240 to 10,000 times more per gallon than tap water soared in sales since the 1980s? According to the World Wildlife Fund, in 1976 U.S. consumption of bottled water was 5.7 liters per person; by 1999, it was 35 liters per person. Americans say one of the main reasons they drink bottled water is because they believe it's safer than tap water
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Seven Best Ways to Get a Raise
[Business:Careers-Employment]
Nobody likes the feeling that comes with having more month left at the end of your money. And while we're always advised to cut our expenses, such a strategy can only go so far. Sometimes, you absolutely have to increase your income and for the vast majority of us, that means getting a pay raise.
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The Get Rich Slowly Method
[Finance:Personal-Finance]
In the investing world (and in the business world as well), the formula for success is to "buy low, sell high". Due to its "instant results" nature, the stock market is like a dream come true for investors hoping to strike gold using that exact formula. Although the strategy sounds simple, as most investors (and many non-investors) know, timing the market is a tricky proposition.
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Zune's Wireless Functionality Pros and Cons
[Shopping-and-Product-Reviews:Electronics]
Wireless is the new way to go, and frankly, it's a very good thing when you're able to sync your Zune to your computer's library without having to plug it into a USB cable. Even better, you don't even have to remember. If your wireless sync option is turned on, your Zune automatically syncs as soon as it gets "within range" of the wireless network it's configured for (said range is about 100 feet indoors, and up to 200 feet outdoors).
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Switching to Energy Efficient Lighting
[Home-Improvement:Energy-Efficiency]
Incandescent light bulbs produce light through heat: an electric current passes through a thin filament, heating it up. The heat makes the filament white-hot, producing the light that you see. 90% of the energy used to create the heat that lights an incandescent bulb is wasted.
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Kohl - The Precursor to Modern Mascara
[Health-and-Fitness:Beauty]
The uninitiated might be surprised to learn that kohl wasn't initially a department store chain, but a very popular cosmetic product, in use since thousands of years ago, and widely considered to be the precursor to modern mascara. Kohl has been worn traditionally as far back as the Bronze Age (3500 BC onward). Ancient Egyptians used it as far back as 4,000 B.C.
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Recent Trends in Lingerie
[Shopping-and-Product-Reviews:Lingerie]
Just as the 00's have brought about a new millennium, they have also impacted the lingerie industry. The leading lingerie products of the current decade bear the mark of the new millennium in that they reflect more human, high-touch interactions. Today's lingerie industry speaks more than ever the language of seduction, emotion, and passion.
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The Evolution of Lingerie
[Shopping-and-Product-Reviews:Lingerie]
It's during the Renaissance (around the 14th century) that women started wearing what we currently refer to as panties, and more generally, lingerie. But only at the end of the following century did the word underwear actually replace that of "body linen"; in turn, underwear is now considered "plain", the seductive moniker being "lingerie".
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Is a Thin Credit File Hurting Your Finances?
[Finance:Credit]
We all know that bad credit can harm you in more ways than one. It's hard to get a credit card and if you do, you pay higher interest rates, it's almost impossible to get a mortgage or car loan, your insurance premiums are higher than those of people with better credit, and so on. Even your job search can be negatively impacted because prospective employers look at your credit score to determine how responsible and how good a manager you are.
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Work From Home As a Call Center Agent
[Home-Based-Business]
With fuel prices soaring, more and more people are asking themselves the following question: "Are there any real work at home jobs that are not scams"? This stems from the fact that a simple internet search for "work from home" or "work at home" yields all sorts of results. Some of them are just flat out scams.
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