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Chances are you’ve received some credit card offers in the mail or via email, and you may be tempted to take some of these credit card companies up on their offers. But which card do you choose, and how do you know if these offers are valid? Here are a few tips that will help.

Even if you have a good credit score you need to know what could affect your credit score to take preventive steps in advance. If you know you have a bad credit, it is not going to help knowing which scoring model is being used to assess…

Your company is growing. Now you are ready to start raising serious capital and you here the public fund raising markets. Here are the basics of your S-1 filing. Know the lingo before you hire a consultant. Because companies must adhere strictly to SEC regulations, initial prospectuses are similar in their organization. Each S-1 generally consists of the following sections:

Front Section — An S-1 contains a small amount of information not available in a prospectus. In this first section, you can quickly find the issuing company’s phone number and get a vague sense of the future offering price.

Cover/Inside…

Ronky The Monster Of Lake Ronkonkoma New York

It was a Sunday in Summer of 2009 went I first saw Ronky with my own eyes. I had heard stories of Ronky here and there, They had come to me in Whispers really.The History of Ronky has been a well kept secret for Hundreds maybe Thousands of years. I had spent weeks watching this lake in Lake Ronkonkoma on Long Island in New York State. This day I was driving around going past one of the many Parks and Beaches around the lake. While I was going North on Lake Shore Road…

Buyer Beware – Using Power Factor Correction and Transient Voltage Surge Suppression to Reduce Energy Costs.

Today’s energy conscious climate has motivated many to do what they can to become more efficient and conserve energy and money. Unfortunately this same climate has prompted others to take advantage of unsuspecting consumers’ wishes to save energy and reduce expenses.

Companies that tout power factor improvement (kVAR correction) and transient voltage suppression are a good example of this bad trend. Lately we are seeing more and more of these companies cropping up and feel it is time to set the record straight.

First, transient voltage surge…

Most people do not know what forensic accounting is but it has been around for years. Businesses use them to investigate issues with their finances or other legal matters. So how does forensic accounting affect you and what does it mean? Unless you hire them you will probably never be affected by their jobs.

There are a combination of different jobs that are put together to create these professionals. An auditor, investigator, and accountants are just a few of the skills that make up their profession. They will be involved in investigative items and litigation for accounting matters. Another important aspect…

There are always times off and on when people feel strapped financially.

This fact of life has become relevant to more people than usual during this period of recession precipitated by the crisis in the banking industry.

Banks and building societies in the USA were guilty of crazy lending practices which beggar belief, allowing people to take out loans and mortgages that they were obviously completely incapable of ever repaying.

The main fault with the lending criteria was that loans and mortgages both to the private and business sectors were granted based on pure self declarations of earnings.

Many lied about their incomes to…

If you are trying to raise capital with a PPM or public entity like OTCBB you need to understand the mind of the investor. After the business plan sells the investor on the business concept you need to sell them on you and your executive staff. You need to stack your executive positions with professionals with a proven track record of success and possess a solid reputation in the industry. You must paint the picture for investors that your business is run by the who’s who in your industry and this pedigree is demonstrated by your education, degree, grades in…

There are many programs and services available on the Internet that offer services when a person wants to participate in ETF Trend Trading. When choosing a service or program an individual will want to take some time to consider what their needs are and how the service or program can help in making successful trades.

Most technical analysts use an analytical program that provides detailed, long term data on the trends of a sector. This program gives information on the short term, intermediate, and long term trends and details about the level and length of time that each trend occurs.

When a…

Many businesses have implemented energy efficiency measures in their facilities over the past several years to help decrease operating expenses and aid the local and global environment. What a lot of these companies do not know is that sizeable federal tax deductions are available to them and also that time may be running out.

The Energy Policy Act of 2005 (EPAct 2005) provides generous, immediate tax deductions to businesses for making energy efficiency improvements to their buildings. The federal tax incentives center mainly on efficiency improvements to lighting, HVAC and building envelopes and can be as large as $1.80 per square…

You have long been contemplating to buy a first house for the family. But before you start making your house search and shopping for lender, make sure you answer these questions first to assess your real need and possibility to own a house of your own.

1. Buy only if you plan to stay long term If you are already aware of the fact that you are not going to stay there longer than three years, perhaps it is not time to own one yet. Because the cost of owning the property and subsequently selling it in short time would mean…

There are various kinds of home loans, two of which are mortgages and remortgages.

Home loans clearly have something to do with a home and what we are referring to when considering mortgages and remortgages are homes that are owner occupied.

To obtain a mortgage or a remortgage the property concerned requires to have sufficient equity.

For those uncertain about what equity means, all it means in simple lay mans terms is the amount left when the mortgage balance on any particular property is deducted from what the property is worth.

If for example a property whether it is a house or a flat has…

Take Your Company Public: Have Investors Begging To Invest! As the economy worsens and banks continue to crash and the US dollar is losing its place as the world currency American entrepreneurs need alternative funding solutions that cater to ongoing capital needs that take advantage of the international finance stage as opposed to domestic institutional lenders.

Many companies, for the first time, are considering going public as a viable option but where does one start on this trek? How much does it cost? What type of lawyer and consultants do I need? Who sells my stock? Etc.

The reality is, going public…

Many entrepreneurs and executives want to move forward with the process of going public merely for the ability to raise capital through the sale of stock. They usually don’t think of the strategies necessary to keep the momentum going such as how much equity to give up initially, how much equity to sell ongoing, how to capitalize off of the use of the securities as collateral for loans and lines of credit and so on.

One of the most profound strategies companies can use to retain company equity while capitalizing off of their public entity is to put up portions of…

In order to successfully bet on NFL football its important to start with the fundamentals. Were talking about the fundamentals of understanding the wagering side of the equation. Theres a lot of misunderstanding about what NFL pointspreads mean and how they are set. A firm understanding of the bookmaking concept of setting NFL lines is a prerequisite for any sports betting success.

The general public has a tendency to oversimplify the meaning of an NFL pointspread. The conventional wisdom is that it is simply a prediction of which team will win and by how much. There is a component of that…

For the NFL handicapper, understanding the methodology behind NFL totals (also called over/under numbers) is also a crucial component of his wagering arsenal. For those not familiar with NFL totals, its the large number youll see accompanying most pointspread betting propositions. For example, the 2009 Superbowl line opened with Pittsburgh a 6 point favorite over Arizona. The total was set at 47. Simply stated, the total allows the better to decide whether the combined score between the two teams will go OVER or UNDER. In the case of the aforementioned Superbowl, Pittsburgh won by a final score of 27-23 meaning…

Lately, a lot of people have been showing an interest in etf trend trading. But before you decide to try out trading etfs for yourself, it is crucial that you have a strong understanding as to what these funds are and the type of return that you can expect to get off of one of these funds as well.

ETF is an abbreviation for the funds original name which is exchange traded fund. These funds are openly traded on all the different stock exchanges (so they are not exactly new to the investment game). A lot of people choose to compare…

So many companies dream of going public to raise massive amounts of capital, as set up for an exit strategy, to make acquisitions with stock and for many other reasons. While your intentions may be pure and with genuine motives, you’re entering shark infested waters of boiler rooms, crooked attorneys and underbelly consultants who have made careers off of taking well intentioned executives just like you for a 24 month rollercoaster ride while they take every penny you have as your company shrivels up like week old road kill.

Just and honest consultants in the ‘public offering’ industry are as rare…

The psychological profile of business proprietors and entrepreneurs in general boasts the critical ‘Risk Taker’ element which allows one to take the leap from the financial security of a 9 – 5 job to the dicey waters of action based, success based income generation meaning: No Sales = No Money and No Food.

Many of these risk takers function within the realm of right brain communicative as opposed to left brain analytical which passes over the critical detail oriented solutions that are mandatory for raising capital. It is crucial for someone of this profile to hire a professional to come in…

As a pet owner, I certainly understand the enjoyment that pets can bring to the family home. But, no matter how cherished a dog or cat may be, when a pet owner is trying to sell a home, the animal’s presence can create unexpected difficulties.

When buyers and their agents wish to view a listing, the presence of a pet can introduce issues that make it seem less appealing than other competing homes. Here are some examples of typical things which can arise when animals are involved.

1. If sellers would like to be notified prior to a showing so that they…

These days, when people are looking to the markets with a renewed sense of what could be possible, it’s good to know that ETF trend trading can be an effective investment activity that promises good rates of return. These exchange traded funds are similar to mutual funds and how they act when traded in a stock exchange. Think of them as being similar to stocks themselves.

Trend trading is exactly the name implies; you will be trying to monitor trends in narrow or very broad markets in order to maximize your trading opportunities such that you have “timed, ” to use…