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<channel>
	<title>Hot Finance News</title>
	<atom:link href="http://www.alafiamicrofin.org/feed" rel="self" type="application/rss+xml" />
	<link>http://www.alafiamicrofin.org</link>
	<description>A Collection of Finance Information that Covers a Wide Variety of Topics for Your Different Needs</description>
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		<title>Online Information of Stock Exchange Market</title>
		<link>http://www.alafiamicrofin.org/98/online-information-of-stock-exchange-market</link>
		<comments>http://www.alafiamicrofin.org/98/online-information-of-stock-exchange-market#comments</comments>
		<pubDate>Wed, 10 Mar 2010 12:33:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=98</guid>
		<description><![CDATA[The investment has become one of the things that  are considered by many people to prepare for the future. Joining stock  exchange is one of the types of investment that are joined by many people all over  the world. Yet, many of these people do not know much about the stock  [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;"><img class="aligncenter size-full wp-image-97" title="financeyahooonsm" src="http://www.alafiamicrofin.org/wp-content/uploads/2010/03/financeyahooonsm.jpg" alt="financeyahooonsm" width="500" height="354" />The investment has become one of the things that  are considered by many people to prepare for the future. Joining stock  exchange is one of the types of investment that are joined by many people all over  the world. Yet, many of these people do not know much about the stock  exchange as well as everything that is needed to comprehend deeply before someone  decide to join the stock exchange market to get the most advantage that they can  get.</p>
<p style="text-align: justify;">The advancement of technology has brought so much  easiness to the people that want to gain information that they need about stock exchange. So many online sites offer the service that will make people understand well about what they are investing as well as the risk that  they have to take if they join the stock exchange, such as the <a href="http://finance.yahoo.com/q?s=onsm" target="_blank">Technology Stock</a>, <a href="http://finance.yahoo.com/q?s=onsm" target="_blank">Top Stock Pick</a>, <a href="http://finance.yahoo.com/q?s=onsm" target="_blank">Best Stock Pick</a>, as well as the <a href="http://finance.yahoo.com/q?s=onsm" target="_blank">Reccomended Stock</a>. All of the information will be available along with  the existence of the <a href="http://finance.yahoo.com/q?s=onsm" target="_blank">Onstream Media</a>.</p>
<p><span id="more-98"></span></p>
<p style="text-align: justify;">With this easiness of the availability of the  information that is available online, it is hoped that people will be able to get  the most advantage that they are seeking from the stock exchange market. They  will need not anymore to get the information from people that only want to take advantages from them instead of giving the right information.</p>
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		<title>Debt Collection Attorney</title>
		<link>http://www.alafiamicrofin.org/93/debt-collection-attorney</link>
		<comments>http://www.alafiamicrofin.org/93/debt-collection-attorney#comments</comments>
		<pubDate>Tue, 09 Mar 2010 21:29:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=93</guid>
		<description><![CDATA[The economic condition nowadays brings so  many difficulties for people all over the world. It is very often that these people try to  solve their problems by borrowing some money to the creditors. Moreover,  because of the same difficulty, the debtors become even more savvy and crafty so  that it will [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;"><img class="aligncenter size-full wp-image-94" title="stevensricci-com" src="http://www.alafiamicrofin.org/wp-content/uploads/2010/03/stevensricci-com.jpg" alt="stevensricci-com" width="528" height="278" />The economic condition nowadays brings so  many difficulties for people all over the world. It is very often that these people try to  solve their problems by borrowing some money to the creditors. Moreover,  because of the same difficulty, the debtors become even more savvy and crafty so  that it will be a huge problem for the creditor to get back their money. Thus,  it is not a great time for so many creditors to face the hard debtors that has  taken their money for their benefit.</p>
<p style="text-align: justify;">With this big problem that may threaten the  life of the company of the creditor, a help is needed to solve their problem. The <a href="http://www.stevensricci.com/" target="_blank">Debt  Collection Attorneys</a> is one solution that will bring easiness to the  creditor. It is since the Debt <a href="http://www.stevensricci.com/" target="_blank">Collection Attorneys</a> will do the debt collecting to the hard debtor so that the creditor will be able to  get their money back easily without wasting their energy.</p>
<p><span id="more-93"></span></p>
<p style="text-align: justify;">The debt collection attorney is one example of the <a href="http://www.stevensricci.com/" target="_blank">Commercial  Debt Collection</a> that is available nowadays to help the creditor in dealing with naughty debtors. The service is available in so many  companies that offer the best service of debt creditor, and the sites online will  be an abundant sources for this help.</p>
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		<item>
		<title>What is up with Direct TV</title>
		<link>http://www.alafiamicrofin.org/89/what-is-up-with-direct-tv</link>
		<comments>http://www.alafiamicrofin.org/89/what-is-up-with-direct-tv#comments</comments>
		<pubDate>Sat, 06 Mar 2010 09:02:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=89</guid>
		<description><![CDATA[Television  is actually as the most important for you. By television, it will be possible for you to know everything  happen in your state. Through television, you will get everything, including of  the news, information, and entertainment. Because of television is as the most  important for you, you must think more [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-full wp-image-90" title="directsattv-com" src="http://www.alafiamicrofin.org/wp-content/uploads/2010/03/directsattv-com.jpg" alt="directsattv-com" width="528" height="284" />Television  is actually as the most important for you. By television, it will be possible for you to know everything  happen in your state. Through television, you will get everything, including of  the news, information, and entertainment. Because of television is as the most  important for you, you must think more about your television’s condition. It  means, you have to give more attention for making the most enjoyable position and condition for your television watching time.<br />
<a href="http://www.directsattv.com/directv/specialoffers.html" target="_blank">DIRECT  TV Deals</a> is actually as the best choice for you. It will allow you for having more information from many kinds of  channels. The <a href="http://www.directsattv.com/directv/specialoffers.html" target="_blank">DIRECTTV  Deals</a> will  also allow you for having more movies and more sports. Thus, this kind of direct TV will give you the  best of television programs. You will get more from this television. It means,  you will know more that you watch from the usual station TV. <a href="http://www.directsattv.com/directv/specialoffers.html" target="_blank">DIRECTV  Deals</a> with  the best design of TV. It actually designed with the best DVR and HD. Thus, it will be possible  for you for having a good audio and picture while having more channels. Of  course, it will be very interesting for you by having such television.</p>
]]></content:encoded>
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		<title>Right Counting of Casino Winning Taxes</title>
		<link>http://www.alafiamicrofin.org/83/right-counting-of-casino-winning-taxes</link>
		<comments>http://www.alafiamicrofin.org/83/right-counting-of-casino-winning-taxes#comments</comments>
		<pubDate>Tue, 16 Feb 2010 12:18:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=83</guid>
		<description><![CDATA[When you want to have some gambling in Las   Vegas , you should know about every rule in casino in order to make you safe when you play in it. The IRS requires that every  casino should establish withhold within 30% of the gambling winning. The Casino  Tax Rebate may track [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;"><img class="aligncenter size-full wp-image-82" title="casinotaxrebate-com" src="http://www.alafiamicrofin.org/wp-content/uploads/2010/02/casinotaxrebate-com.jpg" alt="casinotaxrebate-com" width="528" height="283" />When you want to have some gambling in Las   Vegas , you should know about every rule in casino in order to make you safe when you play in it. The IRS requires that every  casino should establish withhold within 30% of the gambling winning. The Casino  Tax Rebate may track information to administer the site and analyze the  usage of every site which has casino online service. They may track, for the  example, the kind of computer that you used, your protocol address of your  internet, etc, in order to make them get the best taxes of all the gambling. They  also may use cookies to personalize your user experience in order to make  sure that the user has the perfect services.</p>
<p style="text-align: justify;">
<p><span id="more-83"></span></p>
<p style="text-align: justify;">Besides, the Casino Tax Rebate also wants to make the <a href="http://www.casinotaxrebate.com/" target="_blank">casino winnings  taxes</a> have the right counting for each tax. The cookies program can only be read by a web  server in the domain of issued the cookie to you as the user of the web server.  The <a href="http://www.casinotaxrebate.com/" target="_blank">gambling winnings tax</a> in the Casino Tax Rebate will make sure that the counting of your taxes are in the  right counting in order to avoid some misunderstanding between the user like  you and the provider. However, if you have no right information about yourself,  they will refuse you and you will not get your <a href="http://www.casinotaxrebate.com/" target="_blank">casino winnings</a> when you might be a winner of some gambling.</p>
]]></content:encoded>
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		<item>
		<title>Credit Repair as the Best Solution to Get Lower Interest</title>
		<link>http://www.alafiamicrofin.org/73/credit-repair-as-the-best-solution-to-get-lower-interest</link>
		<comments>http://www.alafiamicrofin.org/73/credit-repair-as-the-best-solution-to-get-lower-interest#comments</comments>
		<pubDate>Fri, 12 Feb 2010 16:13:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=73</guid>
		<description><![CDATA[Many people think  that credit case  seems like a nightmare to his or her life. Therefore, they must  pay a higher monthly payment of their loan. To solve this problem, I will  inform you about the simple way but effective in decreasing the interest of the  loaning. It is credit  [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;"><span><img class="aligncenter size-full wp-image-74" title="repairyourbadcredit-com" src="http://www.alafiamicrofin.org/wp-content/uploads/2010/02/repairyourbadcredit-com.jpg" alt="repairyourbadcredit-com" width="528" height="93" />Many people think  that credit case  seems like a nightmare to his or her life. Therefore, they must  pay a higher monthly payment of their loan. To solve this problem, I will  inform you about the simple way but effective in decreasing the interest of the  loaning. It is <a href="http://www.repairyourbadcredit.com/" target="_blank">credit  repair</a>. There are many credit repairing companies that will give you the solution of  the high interest payment. The essential purpose of credit repair is to <a href="http://www.repairyourbadcredit.com">fix credit</a> and to <a href="http://www.repairyourbadcredit.com/" target="_blank">improve  credit</a> at your credit score. How you do this improving way is by repairing your credit  report. Hence, after you repair the report of your credit, it will help you to  get the lower interest of your monthly payment. </span></p>
<p><span id="more-73"></span></p>
<p style="text-align: justify;"><span><br />
In addition, <a href="http://www.repairyourbadcredit.com/" target="_blank">credit repair services</a> are very important because it will define you are going to  get the loan or not. Moreover, you will safe your money because increasing your  credit score means saving your money per moths, which you paid. Doing this good solution is actually can do by your selves, namely you can clean your  credit based on the agreement both. Another way is by using service of Credit  Repair Company. <a href="http://www.repairyourbadcredit.com/" target="_blank">Credit  repair companies</a> will accompany you to solve the credit repair problem; moreover, they  will consistently communicate to you about anything you need. </span></p>
]]></content:encoded>
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		<title>Student Credit Cards Explained</title>
		<link>http://www.alafiamicrofin.org/69/student-credit-cards-explained</link>
		<comments>http://www.alafiamicrofin.org/69/student-credit-cards-explained#comments</comments>
		<pubDate>Wed, 10 Feb 2010 13:57:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=69</guid>
		<description><![CDATA[Various people have different needs. So the credit card suppliers too have designed different type of cards. Besides the normal credit cards, there are small business cards for small business and then there are student credit cards which are designed especially for students.
Now, what is different about the student credit cards?

You could say not much, [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Various people have different needs. So the credit card suppliers too have designed different type of cards. Besides the normal credit cards, there are small business cards for small business and then there are student credit cards which are designed especially for students.</p>
<p style="text-align: justify;">Now, what is different about the student credit cards?</p>
<p><span id="more-69"></span></p>
<p style="text-align: justify;">You could say not much, since all credit cards work in pretty much the same way and are used for more or less same purposes. However there are 2 main differences with the student credit cards and these differences are on the 2 main aspects i.e. Credit limit and APR.</p>
<p style="text-align: justify;">The credit limit for student credit cards is generally very low. This typically ranges from $500 to $1000 per month. Some people might argue the reason for such discrimination. Well, the reason is very clear and obvious. Most of the students applying for these credit cards have never used a credit card in their life so neither do they have a credit rating and nor the knowledge about credit cards. While the former is what the credit card suppliers look for before supplying the credit card, the latter is what the credit card holder would like to acquire. Both the purposes are met by keeping a lower credit limit. The credit card supplier reduces the risk that they are taking by issuing a credit card to someone who has never used one and has no credit rating. It’s good for the credit card holder too since this reduces their risk of damage which can be caused by limited or no knowledge of credit cards and by bad spending habits. Moreover, this credit limit would be sufficient for the needs of a student in general.</p>
<p style="text-align: justify;">The APR on the student credit cards is generally higher than that on the normal credit cards. Again the reason for this is same as that for lower credit limit i.e. the credit card company or the credit card supplier is after all into business and has to take steps to mitigate any possible risks including the risk arising from issuing a credit card to someone who is naïve in terms of credit card knowledge.</p>
<p style="text-align: justify;">The credit card companies might also keep some stricter terms and conditions on the student credit cards and generally require a parent or a guardian’s signature as a guarantor.</p>
<p style="text-align: justify;">Since credit cards are more of a necessity than a convenience in today’s world, the student credit cards are much recommended, especially as a learning tool in getting the students prepared for the life. Due to their inherent characteristics of low credit limit etc, student credit cards cannot lead students into a totally irreversible debt situation. Students should read all the instructions supplied with their student credit card. This first credit card will teach them how to protect themselves from credit card fraud, where all to use their credit card, how to control their spending, what the various membership benefits are etc. The earlier they learn these things the better it is.</p>
<p style="text-align: justify;">Moreover, the student credit card will also help you in developing a good credit rating. You shouldn’t take the student credit cards lightly. If you overspend on your student credit card or default on your credit card bill payments, you will not only end up paying interest on your credit card balance but also spoil your credit rating. Remember that a bad credit rating will not only hamper your chances of getting another credit card later in your life but will also lead to problems in approval of your mortgage/car-loan applications etc.</p>
<p style="text-align: justify;">So student credit cards are a surely a good way for students to start with credit cards.</p>
<p style="text-align: justify;">Rudy Hadisentosa: CCN.com is a free online credit cards review and application website. We offer credit cards selection from visa,master cards, discover, american express and many others. We have quite some categories and hundreds of credit cards selection to fit your need. Apply for a credit card at CCN.com.</p>
<p style="text-align: justify;">Article Source: http://EzineArticles.com/?expert=Rudy_Hadisentosa</p>
<div id="_mcePaste" style="overflow: hidden; position: absolute; left: -10000px; top: 0px; width: 1px; height: 1px; text-align: justify;">
<p>Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.</p>
<p>All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.</p>
<p>But bad credit is not the only reason you can be denied a major credit card. Some people simply have never used credit. People who like to pay cash only, have never financed a car, taken out a college loan, or a mortgage may have zero experience with credit. In that case, most card companies will reject your application, not because you have bad credit &#8212; but because you have no credit rating.</p>
<p>Many women who marry young and do all their borrowing under their husband&#8217;s name often find themselves with no credit rating after they are widowed or divorced. Thousands of women have been denied loans and credit cards on that basis.</p>
<p>Still other people carry too much debt to be considered a good risk. If you have a car loan, a student loan, a mortgage, two or three &#8212; out cards, you are unlikely to be granted another credit card.</p>
<p>But in any and all of the above cases, you can still obtain a credit card. No matter how bad your credit, and even if you have declared bankruptcy, you can still be granted a VISA or Mastercard with a limit as high as $5,000, if you know the right company to call, and how to make your application.</p>
<p>We are going to reveal these card companies and the methods by which you can obtain a VISA or Mastercard later in this report, but first, let&#8217;s talk about some of the other things you really should know about credit cards, including annual fees, interest rates, credit reports and more.</p>
<p>==================</p>
<p>Your Credit Rating</p>
<p>==================</p>
<p>How do credit card companies decide if you are a good credit risk or a bad credit risk? Well, it&#8217;s sort of a Big Brother thing. There are several large agencies in America which track the borrowing and buying behavior of just about every single American who has borrowed money at one time or another.</p>
<p>The four major credit rating agencies are:</p>
<p>CSC Credit Service :: (Phone: 800-392-7816)</p>
<p>TRW Information Sys. :: (Phone: 800-392-1122)</p>
<p>Equifax :: (Phone: 800-685-1111)</p>
<p>Trans Union Corp. :: (Phone: 800-851-2674)</p>
<p>When you send in an application for a credit card, the card company contacts one of the above agencies, which pulls your file, if one exists, and let&#8217;s the company know if you have any bad debts in your background.</p>
<p>If you have never borrowed money or used credit of any kind, your name will not appear in the data base of any of the above. If you have, there will almost certainly be information about you. If you have ever defaulted on a bill, or walked away from a debt owed, that information will be available. If you have never defaulted on a loan, but have made frequent late payments, that is recorded, too, and goes against your credit rating.</p>
<p>======================</p>
<p>25 Percent Error Rate</p>
<p>======================</p>
<p>If this sounds a bit like Big Brother, most would agree with you that it is. It&#8217;s scary to think that some large anonymous corporation is keeping a file on you, but it&#8217;s true. Furthermore, they will share your file with any lending institution that wants to know something about you. That&#8217;s the price you pay to obtain credit. You&#8217;ve heard the statement, &#8220;there ain&#8217;t no such thing as a free lunch.&#8221;</p>
<p>When it comes to the game of credit, the lunch is definitely not free, neither in the monetary sense, or in the realm of personal freedom.</p>
<p>To top things off, credit agencies make errors in as many as one-fourth (25 percent) of all their reports. At this minute, false information about you may be ruining your credit rating.</p>
<p>To check your credit rating for errors, call the agencies at the numbers I provided above. They will request that you send them a written letter asking for a copy of your credit report. They will send you a copy of the information they have about you.</p>
<p>Now let&#8217;s look at how card companies make the big bucks &#8212; interest rates.</p>
<p>===============</p>
<p>Interest Rates</p>
<p>===============</p>
<p>A few decades ago there were laws against charging the kinds of interest rates credit cards get today. Exorbitantly high interest rates were called &#8220;usury,&#8221; and were forbidden by federal law. Just 30 years ago loaning money at 20 percent would have landed any banker in prison. Such rates were the territory of loan sharks and organized crime.</p>
<p>Today, however, it&#8217;s standard business. Some cards have rates approaching 21 percent. Some product manufacturers, such as Apple Computer, have credit plans that push a whopping 23 percent.</p>
<p>Most credit card companies attract customers with super low interest rates, sometimes as easy as 5 percent. But what they only tell you in the fine print, which few people bother to read, it that the interest rate jumps back up after six months. Many cards that start you out at 6 percent soon jump to 18 percent, or higher. By that time, most people have chalked up a balance and are stuck. Most people simply fail to notice when their rate increases. Credit card companies count on that. They like who take no interest in details. If you don&#8217;t watch them, they&#8217;ll watch you &#8212; and your wallet &#8212; and dip into it in the most insidious ways.</p>
<p>====================</p>
<p>No Annual Fee Cards</p>
<p>====================</p>
<p>Some credit card companies charge no annual fee for use of their card. Annual fees range from $18 to $55. You pay it every year simply for the privilege of using the card. Other companies charge no annual fee. You might think, then, that this is a better deal. Most often they are not. Cards with no annual fee almost always have a higher interest rate. If you leave a monthly balance, you&#8217;ll always pay more than the annual fee in interest charges. Only if you never leave an unpaid monthly balance can you benefit form a card with no annual fee.</p>
<p>==================</p>
<p>Perks and Freebies</p>
<p>==================</p>
<p>One of those insidious ways is the offer such perks as frequent flier miles or annual rebates. Use the card so often, and get X amount of frequent flier miles. Use your card, and get credit toward the purchase of an automobile. Is this a good deal? Hardly ever. As you might have guessed, the offer of rebates and gifts is simply an inducement for you to pay super high interest rates. Unless you are a big spender and travel a lot, you&#8217;ll rarely benefit from this kind of promotion.</p>
<p>==========</p>
<p>Be Choosy</p>
<p>==========</p>
<p>In short, never sign up for a credit card until you compare rates. Shop around. Credit card companies are just as competitive as any other kind of business. That means interest rates that vary widely. In general, never go for a card that is five percent higher than the current prime rate.</p>
<p>========================</p>
<p>How To Get A Lower Rate</p>
<p>========================</p>
<p>What if you are already on the hook with a major credit card with an agonizing rate of interest? Pick up the phone, call your card company, and get tough. Often, if you ask for a lower interest rate, you&#8217;ll get one &#8212; it&#8217;s as simple as that.</p>
<p>As further incentive, you can threaten to transfer your balance to another card company with a lower rate. Many card companies are more than willing to take you on as a customer by paying off one of their competitors for you. Of course, you are then beholden to them. That&#8217;s okay if you score a lower interest rate.</p>
<p>=================================</p>
<p>How Anyone Can Get a Credit Card</p>
<p>=================================</p>
<p>Now what about all of you &#8220;hopeless cases&#8221; out there. What if you have deplorable credit, or no credit rating at all. You may have already been turned down by a half-dozen card companies. What can you do?</p>
<p>First, you should think long and hard about why you want a credit card in the first place. If you have a history of bad credit, a credit card may be the last thing you need. Many people feel that credit cards and the debt they lead people into is a modern form of slavery.</p>
<p>Credit cards are almost magically deceptive and alluring. They get at the deepest psychological lever of the human mind &#8212; a lever which allows people to have the feeling they are getting something for free, when in fact, they are paying two, three, four, even ten times as much for that product because of the interest they will pay on each purchase.</p>
<p>On the other hand, not having a credit card is becoming less and less practical in modern America. You can&#8217;t rent a car without a credit card. Carrying cash is dangerous. Checks are not accepted everywhere &#8212; and traveling to another city or country is extremely difficult without the confidence and identity a credit card brings.</p>
<p>===============</p>
<p>A Secured Card</p>
<p>===============</p>
<p>If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.</p>
<p>A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.</p>
<p>Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.</p>
<p>Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.</p>
<p>Which card companies offer secured credit card plans?</p>
<p>The following:</p>
<p>(At the time of writing, these details are correct. If they change by any chance, you&#8217;ll have to look up the institutions in the Yellow Pages, or simply do a search online.)</p>
<p>CitiBank &#8212; Minimum deposit is $300, which earns 4%.</p>
<p>Call: 800-933-2484</p>
<p>Federal Savings Bank &#8212; Minimum deposit is $250, which earn 2.5%.</p>
<p>Call 800-285-9090</p>
<p>Orchard Bank &#8212; Minimum deposit is $400, which pays 4%</p>
<p>Call 800-873-7307</p>
<p>Key Federal &#8212; Minimum deposit is $300, which earns from 4% to 5%.</p>
<p>Call 800-228-2230</p>
<p>Signet Bank &#8212; Minimum deposit is $200, which earns 5%.</p>
<p>Call 800-333-7116.</p>
<p>Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.</p>
<p>Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a safe, responsible way to control your spending, and you actually earn money though interest on your deposit while you enjoy the use of your card.</p>
<p>===================================================================</p>
<p>Copyright © Andre Vas, Direct-Credit-Card.com, All Rights Reserved.</p>
<p>A Message To People Who Want To Apply For The Best Credit Card &#8211;<br />
But Can&#8217;t Get Started, Don&#8217;t Know Where To Go, Or Simply Feel<br />
Overwhelmed With The Insane Amount Of Credit Card Offers&#8230;</p>
<p>==&gt; http://www.Direct-Credit-Card.com</p>
<p>Also go to link below to get TONS OF FREE money saving and personal<br />
finance tips &amp; tricks&#8230;</p>
<p>==&gt; http://www.Direct-Credit-Card.com</p>
<p>===================================================================</p>
<p>Article Source: http://EzineArticles.com/?expert=Andre_Vas</p></div>
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		<title>Forex Trading &#8211; A Passive Income Source For the Homemaker</title>
		<link>http://www.alafiamicrofin.org/66/forex-trading-a-passive-income-source-for-the-homemaker</link>
		<comments>http://www.alafiamicrofin.org/66/forex-trading-a-passive-income-source-for-the-homemaker#comments</comments>
		<pubDate>Wed, 10 Feb 2010 13:54:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currency Trading]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=66</guid>
		<description><![CDATA[Forex trading is an excellent income source for the homemaker, especially so for mothers. For the moms at home who are looking for an extra income source or who are looking for one, online currency trading is, by far, the easiest and most convenient option. As a homemaker, you need the flexibility to be able [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Forex trading is an excellent income source for the homemaker, especially so for mothers. For the moms at home who are looking for an extra income source or who are looking for one, online currency trading is, by far, the easiest and most convenient option. As a homemaker, you need the flexibility to be able to arrange your &#8220;extra income&#8221; activity around your household responsibilities and not the other way round. Therefore, forex trading is especially ideal for you.</p>
<p style="text-align: justify;">Online currency trading offers you the option to make money from the foreign currency market at anytime of the day, 6 days a week. If you stay in Malaysia or Singapore, the market is open for you from 6 am on Monday morning and closes on 6 am on Saturday morning. And you get your Sunday off! What&#8217;s more, you don&#8217;t have deadline to meet or a superior to report too. All you need is to arrange your own timetable (according to your choice), a tenacity to follow through and to set your weekly goal. The weekly goal here is to decide how much you want to earn weekly.</p>
<p><span id="more-66"></span></p>
<p style="text-align: justify;">Now, why is the foreign currency market so attractive for mothers at home? Firstly and most importantly, you can trade online. All you require is a laptop or net-book and an internet connection and you&#8217;re ready to go. You can even open your account online! There is no need to meet any broker, fill in physical form and etc. Register with a reputable broker online and you&#8217;re ready to go.</p>
<p style="text-align: justify;">The next plus point is, you can start trading the forex spot market with an account of only USD250. If you were to trade the equity market or options, you will need at least USD2000 to open an account. Now, with a minimum start-up capital of only USD250, and with the right money management system, you will be able to increase your capital substantially, from home. It is advisable to set your monthly income goal i.e. how much do you want to earn? Is it 10% of your capital? Or is it 20%? Once you have decided on this amount, you may want to break it down to weekly and then daily goal. Trust me, by breaking your goal down to daily goal, it will be much more manageable and achievable. One important tip to note is, once you have achieved your goal, you should stop trading for that month. I will talk more about managing your monthly goal in a separate article. Stay tuned.</p>
<p style="text-align: justify;">Register for a free forex course worth $48, which reveals the strategies to successful forex trading.</p>
<p style="text-align: justify;">Vivienne trades forex online after attending a forex course that teaches her multiple trading strategies. she now trades and earns consistent profits at the comfort of her home. You, too can succeed in trading forex within a short period of time. http://www.firstforexacademy.com</p>
<p style="text-align: justify;">Article Source: http://EzineArticles.com/?expert=Vivienne_T</p>
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		<title>Rebuild &amp; Keep Good Credit Ratings by Understanding Your Credit Cards</title>
		<link>http://www.alafiamicrofin.org/63/rebuild-keep-good-credit-ratings-by-understanding-your-credit-cards</link>
		<comments>http://www.alafiamicrofin.org/63/rebuild-keep-good-credit-ratings-by-understanding-your-credit-cards#comments</comments>
		<pubDate>Wed, 10 Feb 2010 13:53:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=63</guid>
		<description><![CDATA[Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured credit card, your credit line could be from 50% to 100% of your deposit depending on the institution giving you the secured credit. Therefore the company giving you the secured credit card has zero risk.</p>
<p style="text-align: justify;">Secured credit card can be very beneficial because it gives you an opportunity to rebuild your credit history and you are able to make purchases just as if you had an unsecured credit card. Many companies require that you have a credit card to make purchases, such as car rental, airline tickets, etc. Ensure that the company issuing the secured credit, routinely reports customers&#8217; payment history to any of the three main credit bureaus namely Experian, Equifax and Trans Union. This reporting to the credit bureaus will rebuild your credit history over time.</p>
<p><span id="more-63"></span></p>
<p style="text-align: justify;">Closing unnecessary accounts and consolidating your bills to make payments more manageable could be an advantage financially. By not applying for too much credit within a short period of time is another factor that will help in rebuilding your credit rating. Additionally, even though secured credit is like prepaid cards, they do have certain fees attached.<br />
Benefits are similar to that of an unsecured credit card, such as usually being paid interest on your balance in the bank, using Automated Teller Machines (ATM) to make deposits, withdrawals, and making purchases at participating merchants. Following the above steps will strengthen your credit rating.</p>
<p style="text-align: justify;">Unsecured Credit Cards are issued to individuals with good to excellent credit rating. Credit ratings depend on certain criteria, such as one&#8217;s ability to repay loans. These criteria include payment history, employment history, and financial stability. Individuals with excellent credit will most likely receive a lower interest rate. A major factor in maintaining excellent credit is making your loan payments on time thus avoiding late fee penalties.</p>
<p style="text-align: justify;">Customers should read the credit agreement to ensure that they understand their obligation to the creditor. Making payments on time will strengthen your credit rating. Unsecured credit cards has numerous advantages such as low interest rates, high credit limit, business name options, no annual fees, and low APRs on balance transfers up to 12 months. Closing unnecessary accounts and consolidating your bills to make payments more manageable could be an advantage financially. By not applying for too much credit within a short period of time is another factor that will help in maintaining a good credit rating.</p>
<p style="text-align: justify;">Rebuilding your credit takes time, patience, and consistency. If you consistently pay your bills on time, you will see an improvement in your credit ratings over time. There are no quick fixes for improving your credit report except for mistakes or inaccuracies that can be corrected, hopefully in your favor. Your credit information is maintained by the credit bureaus namely Experience, Equifax, and Trans Union for seven years. Therefore poor credit information will remain on your report for seven years. The good thing is that as negative information disappears with positive information, this will definitely rebuild your credit rating.</p>
<p style="text-align: justify;">Applying for secured credit card can be very beneficial because it gives you an opportunity to rebuild your credit history, and you are able to make purchases just as if you had an unsecured credit card. Many companies require that you have a credit card to make purchases, such as car rental, airline tickets, etc. Ensure that the company issuing the secured credit, routinely reports customers&#8217; payment history to any of the three main credit bureaus namely Experience, Equifax and Trans Union. This reporting to the credit bureaus will rebuild your credit history over time.</p>
<p style="text-align: justify;">Business Credit Card<br />
Business credit cards are very popular for small business owners because of the many benefits they offer. Benefits includes 0% Intro APR on balance transfers, no annual fees, high credit limit, low interest rates, cash rewards, bonus miles, free online account management to choosing card design etc., At iCreditOnline.com we have some of the best business credit cards from American Express, Advantage, Chase, Bank One, Bank of America, Discover, Citibank, Household Bank and more, with online credit card approval. Why waste time going to a bank when you can get a decision in less than 60 seconds with secure online credit card application. Online Credit Card Approval with Online Credit Card Application is fast and easy!</p>
<p style="text-align: justify;">Student Credit Card</p>
<p style="text-align: justify;">Having a student credit card while still living at home or attending school away from home can be an advantage. It gives the student the opportunity to establish credit at an early age and to start asserting their independence. It comes in handy in case of emergency, it is less trouble and safer to carry a student credit card than to carry cash. Parents find student credit cards to be very convenient. They are able to make deposits to their children&#8217;s account while they are away from home. Students should be careful with their credit card receipts to avoid identity thief.</p>
<p style="text-align: justify;">If you consistently pay your bills on time, obtaining students credit cards is a good way to established credit rating and start building a good credit history while in school. Establishing and maintaining a good credit rating will make it easy to purchase a car, a home or obtaining a personal loan in the future. For students who are not committed to their financial obligation, getting a student credit card is not a good idea. Running up balances, finding yourself in debt, unable to make monthly payments will destroy your credit rating.</p>
<p style="text-align: justify;">Student&#8217;s credit cards generally have high interest rates. At iCreditOnline.com we offer some of the best student credit cards from Chase and Discover with 0% APR introductory rate for 6 months, no annual fees and online account access. Online credit card approval with online credit card application is fast and easy!</p>
<p style="text-align: justify;">Explanation of some of the credit cards we offer:</p>
<p style="text-align: justify;">0% Intro APR Credit Card or Balance Transfer Credit Card gives you the benefit of using this credit card without making any interest payment on the principal for a stated period of time. This credit card is marketed to individuals with good credit rating who want to transfer balance from a high interest credit card to a 0% intro APR credit card.</p>
<p style="text-align: justify;">Cash Rewards or Cash Back Credit Card earns a percentage on purchases made. This reward or cash back is credited to your account.</p>
<p style="text-align: justify;">Debit Card takes the place of carrying a checkbook or cash. This card is used like a credit card with certain limitations, such as not being able to rent a car. Purchase transactions are contingent upon having enough funds in your checking or savings account to cover the purchase. Verification of funds requires entering your Personal Identification Number (PIN) at a point-of-sale terminal.</p>
<p style="text-align: justify;">Low interest credit card saves you money. Having a good credit rating qualifies you for some of the best low APR credit card offers.</p>
<p style="text-align: justify;">Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. Therefore the company giving you the prepaid credit card has zero risk. Generally people who apply for prepaid credit card are people with poor credit or unemployed.</p>
<p style="text-align: justify;">Secured Credit Card is secured by the amount of funds you have in your account. Your credit line could be from 50% to 100% of your deposit depending on the institution giving you the secured credit.</p>
<p style="text-align: justify;">Unsecured Credit Card is issued to individuals with good to excellent credit rating. Credit ratings depend on certain criteria, such as one&#8217;s ability to repay loans. These criteria include payment history, employment history, and financial stability. Individuals with excellent credit will most likely receive a lower interest rate and can receive instant online credit card approval. A major factor in maintaining excellent credit is making your loan payments on time thus avoiding late fee penalties.</p>
<p style="text-align: justify;">Travel Rewards Credit Card benefits may include travel accident insurance, free rental car collision/loss damage insurance, rebate on gasoline purchases, frequent flyer points or bonus miles towards airline flights, free quarterly and annual account summaries.</p>
<p style="text-align: justify;">About The Author</p>
<p style="text-align: justify;">David Hall owns http://www.iCreditOnline.com. He offers free downloadable, high quality guides on credit repair, credit ratings, credit scoring, debt consolidation and more. He has tools for finding a wide range of financial services including secured and unsecured cards, student and business cards, auto loans, and more from the most reputable companies in the industry. You can also compare multiple credit card offers, securely complete an online credit card application, and receive a credit decision in at least 60 seconds. Visit David&#8217;s site today: http://www.iCreditOnline.com</p>
<p style="text-align: justify;">Article Source: http://EzineArticles.com/?expert=David_Hall</p>
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		<title>10 Minute Forex Wealth Builder</title>
		<link>http://www.alafiamicrofin.org/60/10-minute-forex-wealth-builder</link>
		<comments>http://www.alafiamicrofin.org/60/10-minute-forex-wealth-builder#comments</comments>
		<pubDate>Wed, 10 Feb 2010 13:52:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currency Trading]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=60</guid>
		<description><![CDATA[This is a review of another uniquely crafted forex system that&#8217;s considered among the top 4 leading systems online to date. The 10-Minute Forex Wealth Builder reveals two very accurate forex systems that lets anybody who has it on their possession make enormous amounts of money in trading.
Specifically created for those who want to take [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">This is a review of another uniquely crafted forex system that&#8217;s considered among the top 4 leading systems online to date. The 10-Minute Forex Wealth Builder reveals two very accurate forex systems that lets anybody who has it on their possession make enormous amounts of money in trading.</p>
<p style="text-align: justify;">Specifically created for those who want to take control of personal trading activities a week, Dean Saunders has jam-packed this product so well that you only need to spend 10 minutes of your time using this product daily.</p>
<p><span id="more-60"></span></p>
<p style="text-align: justify;">The 10-Minute Forex Wealth Builder will show you two ground breaking, never before heard forex trading methods that resulted from 9 years of hard work. These are proven methods that directs you to huge currency moves for up to 24 hours in advance. It also features price driven entry techniques that are secretly being used by some of the world&#8217;s best forex traders. To top it all, it reveals the web of lies that forex coaches have been feeding forex trading wannabe&#8217;s and gives you the information that has been concealed from you for the past years.</p>
<p style="text-align: justify;">Dean guarantees success if you&#8217;d use his methods.</p>
<p style="text-align: justify;">The 10-Minute Forex Wealth Builder adheres to five simple rules:</p>
<p style="text-align: justify;">1. Spend only 10 minutes of your day with the system. Relax and enjoy time with your family.<br />
2. Do away with lagging indicators. Price is the only thing to follow in this game.<br />
3. Keep yourself out of the market during down periods.<br />
4. Take away all the stress from trading. Always be ready to take the best move.<br />
5. Consistently make money. Don&#8217;t settle for average returns. Make the most of what you can do in that little time you spend.</p>
<p style="text-align: justify;">Get your FREE video and Profit Tips Here =&gt; Internet Marketing Tips Profit Site.<br />
To find out Folusho&#8217;s secret system which he used to double or sometimes even triple his earnings online, go to the page below where you&#8217;ll get access to a few videos where he reveals how he really used products like Forex Wealth Builder to make serious profits.</p>
<p style="text-align: justify;">Article Source: http://EzineArticles.com/?expert=Folusho_Orokunle</p>
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		<title>Secured Credit Card</title>
		<link>http://www.alafiamicrofin.org/45/secured-credit-card</link>
		<comments>http://www.alafiamicrofin.org/45/secured-credit-card#comments</comments>
		<pubDate>Wed, 23 Dec 2009 00:10:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.alafiamicrofin.org/?p=45</guid>
		<description><![CDATA[Secured credit cards are other very popular kinds of credit cards which are secured for the credit card supplier. They require you to open an account with the credit card supplier and maintain some cash balance in that account. This cash balance performs as a security for the supplier of secured credit card. Secured credit [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Secured credit cards are other very popular kinds of credit cards which are secured for the credit card supplier. They require you to open an account with the credit card supplier and maintain some cash balance in that account. This cash balance performs as a security for the supplier of secured credit card. Secured credit cards are not really credit cards because they don’t offer you any credit really and sometimes also referred as debit cards. Such people end up spoiling their credit rating to an extent where they cannot get another unsecured credit card. Even after they have paid off their dues and cleared their debt, their credit rating still haunts them.</p>
<p style="text-align: justify;">
<p><span id="more-45"></span></p>
<p style="text-align: justify;">It’s not just the people with bad credit rating who go for secured credit cards. Some people go for secured credit cards because they don’t want to bother themselves with the bills etc for credit cards. They don’t like to even fill-up application forms for unsecured credit cards. Then there are some who just don’t like to borrow money (even if it means borrowing from a credit card supplier by using their credit card). However, such people are very rare to find. Some people just go for secured credit cards because they have heard a lot of horrifying stories on credit card debt – maybe someone from their family or one of their friends was devastated by credit card debt and they don’t want to repeat the mistake. So they decide to go for a secured credit card. Whatever be the reason for going for it, the secured credit cards are surely popular too.</p>
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