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Due to the economic climate in this country over the past few years, many have lost significant amounts of dollars in their 401k or other retirement vehicles. If you are one of these folks, then you need to consider what an Indexed Annuity can do for you.

Many Insurance carriers offer annuities as part of their portfolios. Annuities are issued by Insurance companies and can be an extremely powerful part of your retirement plans. Continue reading ‘401k Losses – Stop the Bleeding’ »

Foreclosures are still at an all time high but luckily now there are more options available. The Bank of America home loan modification approval process is offering help to those who are about to lose their homes.

There are things that you must know if you are wanting to apply for a modification at the Bank of America.

Five Tips For Bank of America Home Loan Modification Approval

First – Make sure you know what the requirements are from the Loss Mitigation Department. To take advantage of Obama’s loan modification Continue reading ‘Bank of America – Five Tips For Home Loan Modification Approval’ »

Writing a hardship letter for a loan modification is very important but can be difficult. If you are unsure of how to begin I hope to help you now.

The purpose of the hardship letter is to convince your lender that you are a good person to offer a loan modification to because of some temporary financial set-backs. You need to show that you cant make your current monthly payments but with a little bit of help from them you will be able to afford all monthly payments. You need to tell a story, a compelling story about how you have gotten into your current situation and what you have done to right the ship.

Three Important Items a Hardship Letter For a Loan Modification Requires Continue reading ‘Hardship Letter For a Loan Modification’ »

So you are all signed up for your flea market. Now, getting to the show and setting up is only half the battle. There’s so much more involved in making this show your best show and, of course, the goal is to sell your flea market items and handmade crafts.

First of all, unless absolutely unavoidable, you should never take on selling your flea market items or craft show products by yourself. While shows can be exciting and profitable, they can also be physically and emotionally exhausting. That’s why it’s important to bring along someone to help you work the booth and deal with customers. This will also give you a chance to get up and go to the bathroom and grab a hotdog or something to drink without losing sales. Continue reading ‘Flea Market Booth Tips’ »

In this rough economy, the SBA has encouraged lenders to be as flexible as possible in order to help small business owners make it through to the other side. In most cases, the flexibility will come in the form of a loan deferment. While the SBA wants lenders to be flexible, the lender still needs to have reason to believe that your business will survive if relief is granted.

There are a few key factors that your lender will look at when determining whether you qualify for a deferment:

1) Cash Flow. When you think of cash flow, think of the 3 bears. Can’t have to little (they’ll think things are so bad you are beyond help), can’t have too Continue reading ‘How to Qualify For an SBA Loan Deferment Or Modification’ »

Black Friday is reported by news organizations all around the U.S. as one of the best days to get a great price on a car. Dealers all across the country slash prices on new and used vehicles as the excitement builds in the retail market for the big market boom leading up to Christmas. Frequently, these exciting prices at car dealerships start on Black Friday early morning, and lead through the weekend.

If you have bad credit, you may feel like you’re left in the dark on Black Friday.

With a low credit score, you need to be able to get approved and get Continue reading ‘Black Friday Car Sales – How to Get Approved With Bad Credit on the Most Popular Day to Buy Cars!’ »