http://www.financealley.com en-us editorial@financealley.com Bad credit personal loans are widely available these days. These are personal loans marketed to individuals with a poor credit score or poor credit history. A bad credit personal loan can be obtained through a lender who specializes in bad credit p... http://www.financealley.com/article_56508_19.html 25th May 2006 A second mortgage is a loan that is secured by the equity in your home. When you obtain a second mortgage loan the lender will place a lien on your house. This lien will be recorded in 2nd position after your primary or 1st mortgage lender's lien... http://www.financealley.com/article_53475_19.html 15th May 2006 The futures market offers the opportunistic investor the option of using small amounts of their own money to control large amounts of products, including gold, currencies, and agricultural commodities. A futures contract is a legally binding co... http://www.financealley.com/article_49572_19.html 02nd May 2006 There are many different factors that affect stock market levels on a minute-to-minute basis. This includes inflation data, gross domestic product (GDP), interest rates, unemployment, supply, demand, political changes, and broader economic forces, amon... http://www.financealley.com/article_49296_19.html 02nd May 2006 Everyone needs to know exactly what is on his or her credit report. Even if you have never been late with a payment in your life you need to know what your credit report reflects that reality. Mistakes happen every day, and mistakes on your credit repo... http://www.financealley.com/article_49210_19.html 02nd May 2006 It is difficult to provide a general definition of a hedge fund. Initially, hedge funds would sell short the stock market, thus providing a "hedge" against any stock market declines. Today the term is applied more broadly to any type of private investm... http://www.financealley.com/article_49058_19.html 30th April 2006 Term insurance provides coverage for a pre-specified period. For example, term insurance is designed to protect a mortgage or provide income for your family in case of your death. You pay the term insurance premium each month and as long as you pay the... http://www.financealley.com/article_48561_19.html 30th April 2006 Convertible bonds are bonds issued by corporations that are backed by the corporations' assets. In case of default, the bondholders have a legal claim on those assets. Convertible bonds are unique from other bonds or debt instruments because they give ... http://www.financealley.com/article_46688_19.html 25th April 2006 You should consider investing in bonds for both income and stability. In any given year equity markets could appreciate in value by 30 to 40 percent or decline in value by the same amount. Bonds fluctuate far less. Bonds also pay interest on a regular ... http://www.financealley.com/article_46110_19.html 21st April 2006 Foreign bond funds are ideal for investors seeking income and diversification. Foreign bond funds, as their name suggests, invest in bonds that pay their interest and principal in a currency other your home currency. Foreign government and corporations... http://www.financealley.com/article_45512_19.html 20th April 2006 When investing in bonds, stocks, or mutual funds, investors have the opportunity to increase their rate of return by timing the market - investing when stock markets go up and selling before they decline. A good investor can either time the market prud... http://www.financealley.com/article_44194_19.html 14th April 2006 To understand high yield bonds, let's define what a bond is. A bond is an interest-bearing investment that obliges the borrower to pay a specific amount of interest for a specific period of time and then at maturity to repay the investor the original a... http://www.financealley.com/article_43875_19.html 14th April 2006 There are more than 13500 different publicly traded companies in the world today, and there are over 700 more companies expected to go public within a year. In addition, every major developed country offers investors various bonds to invest in. All of ... http://www.financealley.com/article_43727_19.html 13th April 2006 One of the most common ways of selecting a mutual fund is to invest with the crowd in today's hot funds. Unfortunately, jumping from one winning fund to another is a recipe for disaster. The mutual funds that the crowd follows typically have had a hot ... http://www.financealley.com/article_42976_67.html 09th April 2006 Home buyers often save rigorously for their home, forgoing expenditures and making sacrifices to pay down the mortgage and save for retirement. At retirement they get to enjoy their dream home debt-free. The only problem with this scenario for a ... http://www.financealley.com/article_42422_19.html 07th April 2006 Segregated funds were initially developed by the insurance industry to compete against mutual funds. Today, many mutual fund companies are in partnership with insurance companies to offer segregated funds to investors. Segregated funds offer some... http://www.financealley.com/article_42396_19.html 07th April 2006 Wholesaling in real estate is an entire business in itself and generates super-fast profits, usually without ever acquiring the title on the property. It's not uncommon to pick up a check at closing, with the seller and buyer present at the same ... http://www.financealley.com/article_41852_33.html 05th April 2006 An options strategy called Covered Call Writing is a conservative strategy designed to reduce risk and increase income when investing in stocks. Briefly stated, stock options are contracts in which you buy or sell the right to buy or sell. Although the... http://www.financealley.com/article_41298_19.html 03rd April 2006 The day trader's ultimate objective is to trade expensive and volatile stocks on the NASDAQ and NYSE markets in in increments of 1,000 shares or more, and profit from the small intra-day price movement. The day trader may make many trades in a si... http://www.financealley.com/article_39389_19.html 28th March 2006 Cars are expensive, yet almost everyone pays for them with borrowed money. To minimize the cost of ownership, it's essential to shop for the lowest-priced loan you can get. Here's a good car buying rule: Make a down payment of 20 percent o... http://www.financealley.com/article_38926_19.html 28th March 2006 Successful investing requires knowledge, time and commitment, discipline and patience, and the ability to develop an investment strategy that is compatible with your personality. Knowledge Each individual must cons... http://www.financealley.com/article_38017_19.html 22nd March 2006 Surveys shows 50 percent of cardholders don't pay their bills in full or on time. More than 40 percent of cardholders say they don't know the interest rate on their cards. Suppose you carry a $1000 balance from month to month. That costs y... http://www.financealley.com/article_37799_19.html 21st March 2006 Buying houses low and selling them high is called retailing. This is the most easily understood method of investing in real estate. It's the art of buying at a low price, often doing some repairs, and then selling at retail price and usually cash... http://www.financealley.com/article_37249_33.html 20th March 2006 Day trading consists of the direct opening and closing of stock positions with major stock exchanges, either using a computer on the trading floor of a branch office of a day trading firm, or using one's home or business computer to access an int... http://www.financealley.com/article_36877_19.html 17th March 2006 What's a credit card? A credit card is an agreement between you and a financial group, such as a bank, that you will pay them back in the future so that you can spend the money first. The financial group lends you the money you need ... http://www.financealley.com/article_35781_19.html 13th March 2006