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	<title>thousand dollars</title>
	<link>http://www.artwoo.com</link>
	<description>Returned search results for thousand dollars</description>
	<copyright>Copyright 2008</copyright>
	<pubDate>Sat, 22 Nov 2008 06:30:12 +0000</pubDate>
	<generator>http://www.artwoo.com/rss/thousand+dollars</generator>

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				<title>Fasy Payday Cash Loans</title>
		<link>http://www.artwoo.com/article/fasy-payday-cash-loans</link>
		<comments>http://www.artwoo.com/article/fasy-payday-cash-loans#comments</comments>
				<pubDate>Thu, 24 Aug 2006 08:27:31 +0000</pubDate>
		<category>payday cash advance</category><category>advance money</category><category>money right</category><category>payday loans</category><category>internet startup company</category><category>gotten</category><category>abject poverty</category>		<guid>http://www.artwoo.com/article/fasy-payday-cash-loans</guid>
		<description><![CDATA[Sometimes a fast payday cash advance can be the solution to all of your problems. No, I know what your thinking. You have seen those ads for the fast cash payday loans, and peg them right away for what you know they are: scams. Well, let me level with you. Yeah, they charge more interest than they]]></description>
    <content:encoded><![CDATA[Sometimes a fast <a href="http://www.artwoo.com/tag/payday+cash+advance" rel="tag">payday cash advance</a> can be the solution to all of your problems. No, I know what your thinking. You have seen those ads for the fast cash <a href="http://www.artwoo.com/tag/payday+loans" rel="tag">payday loans</a>, and peg them right away for what you know they are: scams. Well, let me level with you. Yeah, they charge more interest than they should for the cash that they give you, but you know what, there are plenty of people who needed <a href="http://www.artwoo.com/tag/money+right" rel="tag">money right</a> away, and were saved by a good fast payday cash advance in the nick of time. I know, you see, because -- and this may surprise you -- I am one of them. <br /><br /> Yeah, I know that I am rich and prosperous now, and really want for nothing in my life, but this was not always quite the case. There was a time when I was on the edge of absolute <a href="http://www.artwoo.com/tag/abject+poverty" rel="tag">abject poverty</a> with not a thing in the world. It had <a href="http://www.artwoo.com/tag/gotten" rel="tag">gotten</a> so bad that the banks were threatening to repossess my car, which would have meant that I would not have had any transportation to even go to my job at all. I needed money bad. Real bad. So, I got a few dollars in a fast payday cash advance. <br /><br /> By a few dollars, I mean a few thousand. It's strange to have all that cash in your hand when you are used to having nothing, and knowing that you can't blow any of it on luxuries. It was all earmarked for important expenses, except for a thousand left over. Then, I got a hot tip. A friend of mine was about to go public with his <a href="http://www.artwoo.com/tag/internet+startup+company" rel="tag">internet startup company</a>, and wanted to know if I wanted to buy the stock. It was a risk. If I lost my fast payday cash <a href="http://www.artwoo.com/tag/advance+money" rel="tag">advance money</a>, I would have nothing left to pay back my loan, and would be in even worse case than before. But I decided, what the heck, and used those fast payday cash advance dollars to buy the stocks. I even borrowed some more to invest. I was not disappointed. <br /><br /> Overnight, my thousand dollars had turned into tens of thousands of dollars. I was not rich, but thanks to risking the fast payday cash advance money, I had quite suddenly gotten enough to get back on my feet again. I even had some left over to go into business on my own. And the rest is history.   <bio>If you would like more information on paday loans and other finanical tips please check outn our website at Make Money Plans. <a href="http://www.makemoneyplans.com" >http://www.makemoneyplans.com</a> </bio>]]></content:encoded>
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				<title>Why Does Carpet Cleaning Cost So Much?</title>
		<link>http://www.artwoo.com/article/why-does-carpet-cleaning-cost-so-much</link>
		<comments>http://www.artwoo.com/article/why-does-carpet-cleaning-cost-so-much#comments</comments>
				<pubDate>Sat, 23 Jun 2007 00:20:02 +0000</pubDate>
		<category>carpet cleaning machine</category><category>carpet cleaners</category><category>quality carpet</category><category>carpet mills</category><category>carpet cleaner</category><category>that means that</category><category>lastly</category>		<guid>http://www.artwoo.com/article/why-does-carpet-cleaning-cost-so-much</guid>
		<description><![CDATA[ If you are ready to have your homes carpeting cleaned you might have called around for cleaning estimates already. If you have you might wonder why does it cost so much to clean my carpets. Read this article and learn what is involved in carpet cleaning and see where the price comes from.  Carpet]]></description>
    <content:encoded><![CDATA[ If you are ready to have your homes carpeting cleaned you might have called around for cleaning estimates already. If you have you might wonder why does it cost so much to clean my carpets. Read this article and learn what is involved in carpet cleaning and see where the price comes from. <br /><br /> Carpet cleaning can be expensive but as you know it is a necessary expense to take care of your flooring investment. With the prices of cleaning you might be tempted to just go do it yourself. Before you do that though you should know exactly what is involved in carpet cleaning. This might help you see what the price is actually quite fair. It will also help you see how ridiculous those $9 a room con artists are. One factor that affects the cost of carpet cleaning is the equipment. <a href="http://www.artwoo.com/tag/carpet+cleaners" rel="tag"><a href="http://www.artwoo.com/tag/carpet+cleaner" rel="tag">Carpet cleaner</a>s</a> spend thousands of dollars on cleaning equipment. A moderately priced truck mounted <a href="http://www.artwoo.com/tag/carpet+cleaning+machine" rel="tag">carpet cleaning machine</a> can cost up to twenty thousand dollars and requires a thirty thousand dollar van to move it around. <a href="http://www.artwoo.com/tag/that+means+that" rel="tag">That means that</a> they bring a fifty thousand dollar rig to your home, not including the chemicals and specialty cleaning tools they have. This is just for a moderately priced cleaning machine, some carpet cleaning rigs can run up to a hundred thousand dollars. Another factor to consider is the training. A <a href="http://www.artwoo.com/tag/quality+carpet" rel="tag">quality carpet</a> cleaner will have years of training behind their belt and will undergo regular continuing education. This is necessary to keep up with changes in the industry and to stay familiar with all of the new products produced by the <a href="http://www.artwoo.com/tag/carpet+mills" rel="tag">carpet mills</a>. <a href="http://www.artwoo.com/tag/lastly" rel="tag">Lastly</a> you need to consider the cost of fuel, advertising and insurance that the cleaner pays. There are countless other expenses but this covers the majority of the big ones. <br /><br /> When you put all of these factors together you can see that the carpet cleaners you hire are not making quite as much money off of you as you thought. In fact you can see that most cleaners are quite reasonable in price and you can see that those low ball carpet cleaners must be up to something.   <bio>Visit <a href="http://www.hollywoodcarpetcleaning.info" >http://www.hollywoodcarpetcleaning.info</a> for more information on carpet cleaning.  </bio>]]></content:encoded>
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				<title>Reasons To Start A Carpet Cleaning Business</title>
		<link>http://www.artwoo.com/article/reasons-to-start-a-carpet-cleaning-business</link>
		<comments>http://www.artwoo.com/article/reasons-to-start-a-carpet-cleaning-business#comments</comments>
				<pubDate>Tue, 03 Jul 2007 12:15:01 +0000</pubDate>
		<category>carpet cleaning</category><category>carpet cleaners</category><category>easy business to start</category><category>thousand dollars</category><category>lastly</category><category>upholstery cleaning</category><category>talking to</category>		<guid>http://www.artwoo.com/article/reasons-to-start-a-carpet-cleaning-business</guid>
		<description><![CDATA[ Are you considering opening a carpet and upholstery cleaning business? If so you should read this article for some reasons that you should consider it. It might help you make up your mind so keep reading.  One reason to start a carpet cleaning business is for the independence. To an extent you are]]></description>
    <content:encoded><![CDATA[ Are you considering opening a carpet and <a href="http://www.artwoo.com/tag/upholstery+cleaning" rel="tag">upholstery cleaning</a> business? If so you should read this article for some reasons that you should consider it. It might help you make up your mind so keep reading. <br /><br /> One reason to start a <a href="http://www.artwoo.com/tag/carpet+cleaning" rel="tag">carpet cleaning</a> business is for the independence. To an extent you are able to set your own hours. Yes, you have to work when your customers want their carpet cleaned but if you want to schedule a three day weekend off once a month or go on a vacation every three months it is very easy to do. You do not have to request time off because you are the boss. Another good reason to start a carpet cleaning business is that it is a relatively <a href="http://www.artwoo.com/tag/easy+business+to+start" rel="tag">easy business to start</a> up. If you have a good vehicle you can start up with as little as three <a href="http://www.artwoo.com/tag/thousand+dollars" rel="tag">thousand dollars</a>. If you want to spend more you can be extremely well equipped for about forty thousand dollars. It depends on how much you want to invest but this business is much easier to get into than most requiring substantially less capitol. The third reason is that it is a business where your work environment constantly changes. You are not in the same place every day <a href="http://www.artwoo.com/tag/talking+to" rel="tag">talking to</a> the same people. Instead you are at a new location every day and are talking to different unique people. It keeps the job from getting boring and mundane. <a href="http://www.artwoo.com/tag/lastly" rel="tag">Lastly</a> you should consider this business because you can make a good living at it. Many <a href="http://www.artwoo.com/tag/carpet+cleaners" rel="tag">carpet cleaners</a> earn in excess of a hundred thousand dollars a year. You won't make that much as you start out but in the future it is definitely possible. <br /><br /> Hopefully this article has given you some good reasons to start a carpet cleaning business. Of course there are some negatives such as the hard work and heavy competition but I feel that the positives far out weigh the negative. Be sure to think it over well before you jump in. Good luck with whatever you decide.   <bio>Go to <a href="http://www.norfolkcarpetcleaning.info" >http://www.norfolkcarpetcleaning.info</a> for information on carpet cleaners.  </bio>]]></content:encoded>
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				<title>How To Negotiate A Perfect Car Deal</title>
		<link>http://www.artwoo.com/article/how-to-negotiate-a-perfect-car-deal</link>
		<comments>http://www.artwoo.com/article/how-to-negotiate-a-perfect-car-deal#comments</comments>
				<pubDate>Sun, 03 Feb 2008 07:25:01 +0000</pubDate>
		<category>two thousand dollars</category><category>negotiating tactics</category><category>million cars</category><category>rule of thumb</category><category>dollar range</category><category>car deal</category><category>car lot</category>		<guid>http://www.artwoo.com/article/how-to-negotiate-a-perfect-car-deal</guid>
		<description><![CDATA[ Negotiating a Car Deal  If you've purchased a million cars in your life or you've purchased none, you should know by now it's always best to get the most out of your money and nothing comes easier when it comes down to negotiating with a car salesman. Most car dealers run the same setup and in]]></description>
    <content:encoded><![CDATA[ Negotiating a <a href="http://www.artwoo.com/tag/car+deal" rel="tag">Car Deal</a> <br /><br /> If you've purchased a <a href="http://www.artwoo.com/tag/million+cars" rel="tag">million cars</a> in your life or you've purchased none, you should know by now it's always best to get the most out of your money and nothing comes easier when it comes down to negotiating with a car salesman. Most car dealers run the same setup and in order to get the best deals possible, I'll provide you with some great tips so that you can leave the lot with a great deal. <br /><br /> Go in with a plan <br /><br /> Before you even set foot on a <a href="http://www.artwoo.com/tag/car+lot" rel="tag">car lot</a>, make sure that you have a set price in your head. If you want to spend ten thousand dollars, make sure that you don't pay any more than this. Let's say your budget is ten thousand dollars. You'll still should be able to check out cars that are in the thirteen-fourteen thousand <a href="http://www.artwoo.com/tag/dollar+range" rel="tag">dollar range</a>. The general <a href="http://www.artwoo.com/tag/rule+of+thumb" rel="tag">rule of thumb</a> is usually that you can go about a few thousand over your set budget. Just remember in the long run that you don't make a purchase more than what you wanted to spend. <br /><br /> Start off small <br /><br /> Like any <a href="http://www.artwoo.com/tag/negotiating+tactics" rel="tag">negotiating tactics</a>, you'll always want to start off with a low ball offers. This means that you should offer the least amount possible that you think the dealer will accept. Even if the offer in your head sounds outrageous, it doesn't hurt to try by asking the dealer. The worst that's going to happen is the dealer says no. If the dealer accepts your offer right off the bat, you probably didn't go low enough. <br /><br /> Patience is your friend <br /><br /> Be prepared to have a lot of time on your hands. The dealership is there to make a deal and they don't want to see you leave. The problem with this is that you're going to have to make ends meet. Sometimes when you're trying to make a deal with the dealership, you're going to find that it may take up to a hour or so. Just think to yourself and ask if <a href="http://www.artwoo.com/tag/two+thousand+dollars" rel="tag">two thousand dollars</a> off the sticker price is worth one hour of your time. <br /><br /> Don't buy the extras <br /><br /> Once you reach a deal with the dealership, they are going to push a bunch of other things toward you hoping they will make more money off you. This will usually include things such as warranties, free oil changes, etc. Simply say no to these items because it won't be worth it in the long run. The best line to use when the warranty is brought up is "I'm a mechanic and have always fixed my car" They will usually shut up after that one. <br /><br /> Trying to get a bargain with a car dealership isn't that hard. It just involves great bargaining skills and a lot of patience. If you're going to show them that you play a hard game, you're most likely to get your deal. Remember in the long run that you won't want to give up and make sure you have a lot of energy to deal with!   <bio>Tom Tessin runs <a href="http://www.findgascards.com" >http://www.findgascards.com</a> where you can save money on gas with gas credit cards  </bio>]]></content:encoded>
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				<title>Types Of Bankruptcy Situations</title>
		<link>http://www.artwoo.com/article/types-of-bankruptcy-situations</link>
		<comments>http://www.artwoo.com/article/types-of-bankruptcy-situations#comments</comments>
				<pubDate>Wed, 11 Jul 2007 00:25:02 +0000</pubDate>
		<category>types of bankruptcy</category><category>filing for bankruptcy</category><category>bankruptcy chapter</category><category>chapter thirteen</category><category>bankruptcies</category><category>chapter seven</category><category>creditors</category>		<guid>http://www.artwoo.com/article/types-of-bankruptcy-situations</guid>
		<description><![CDATA[ Moving into the twenty first century, many Americans aren't sure of what to expect. Many businesses have begun to outsource labor to Mexico and India. With the loss of jobs comes unemployment to the employees. Most people caught up in a company's decision to search for lower waged employees cannot]]></description>
    <content:encoded><![CDATA[ Moving into the twenty first century, many Americans aren't sure of what to expect. Many businesses have begun to outsource labor to Mexico and India. With the loss of jobs comes unemployment to the employees. Most people caught up in a company's decision to search for lower waged employees cannot find suitable jobs in the same geographic area in which they live.<br /><br /><br /><br /> They have worked at a job for many years and had higher wages.  Finding new work with the higher wages is almost impossible.  This can begin to have a financial impact on the family and having bill collector's call only adds to the already stressed out situation. One option that people may decide on is choosing to file one of the <a href="http://www.artwoo.com/tag/types+of+bankruptcy" rel="tag">types of bankruptcy</a>. For the homeowner there are two different types of bankruptcy.<br /><br /><br /><br /> One is called <a href="http://www.artwoo.com/tag/chapter+seven" rel="tag">chapter seven</a>, and the other choice is called <a href="http://www.artwoo.com/tag/chapter+thirteen" rel="tag">chapter thirteen</a>. Chapter seven <a href="http://www.artwoo.com/tag/bankruptcies" rel="tag">bankruptcies</a> allows the debtor to erase all debts owed while letting people keep the house and cars if they desire. This can really take the burden of debt payments away which in turn takes away much of the stress that the people were under. The only payments that the people will have to pay are the payments on the house and any cars that the people may have kept. <br /><br /> Types of <a href="http://www.artwoo.com/tag/bankruptcy+chapter" rel="tag">Bankruptcy Chapter</a> Thirteen <br /><br /> As the first part of this article dealt with chapter seven bankruptcies, this section includes the other types of bankruptcy such as chapter thirteen bankruptcies. <a href="http://www.artwoo.com/tag/filing+for+bankruptcy" rel="tag">Filing for bankruptcy</a> with chapter thirteen means that the people can keep almost everything that they want to.<br /><br /><br /><br /> The difference in this case is that people who file chapter thirteen bankruptcies tell their attorney what they want to keep and in turn, the attorney begins the task of talking to the <a href="http://www.artwoo.com/tag/creditors" rel="tag">creditors</a>. Depending on the situation, this can take thirty days or even more. The people's attorney will try to get the creditors to accept lower overall costs for each item.  An example of this would be about the cost of a piano.<br /><br /><br /><br /> The people may owe the creditor five thousand dollars and the attorney will try to get the overall cost to three thousand dollars. This means that the people now only have to pay the three thousand dollars and not the original five thousand dollars. The people save two thousand dollars on the piano and the people can then begin to resume payments on the piano.<br /><br /><br /><br /> The monthly payment may drop as a result which saves people money every month. Consulting an attorney is the best course of action to aide an individual in determining the best type of bankruptcy to file for their situation.   <bio>Simon Peters is the owner of <a href="http://on-bankruptcy.com" >http://on-bankruptcy.com</a>, it is THE best source for advice on the subject on bankruptcy, nothing to sell, just information . .. .   </bio>]]></content:encoded>
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				<title>Making Your Gas Credit Card Work</title>
		<link>http://www.artwoo.com/article/making-your-gas-credit-card-work</link>
		<comments>http://www.artwoo.com/article/making-your-gas-credit-card-work#comments</comments>
				<pubDate>Tue, 25 Mar 2008 16:19:58 +0000</pubDate>
		<category>local drug store</category><category>one hundred dollars</category><category>apr rate</category><category>fifteen dollars</category><category>credit score</category><category>dollar bill</category><category>dollars each year</category>		<guid>http://www.artwoo.com/article/making-your-gas-credit-card-work</guid>
		<description><![CDATA[ If you're not saving on your gas fillips yet, you should be doing so. Everything in life that cost money has a way around it so you don't have to pay full price. So, how exactly do you save on gasoline fillips? The concept is simple if you know how to use it. It's called a gas credit card.  A gas]]></description>
    <content:encoded><![CDATA[ If you're not saving on your gas fillips yet, you should be doing so. Everything in life that cost money has a way around it so you don't have to pay full price. So, how exactly do you save on gasoline fillips? The concept is simple if you know how to use it. It's called a gas credit card. <br /><br /> A gas credit card can you work you wonders if you know how to use it right. If you're not good with credit cards or you simply have a really bad <a href="http://www.artwoo.com/tag/credit+score" rel="tag">credit score</a>, I would advise that you steer clear of a credit card like this because if you don't pay your bill off in time, you're not going to get the full benefits of a gas card. <br /><br /> If you already have a gas card or you're thinking about applying for one, you're going to have to know how to make the rewards work for you before you actually start swiping the card at the <a href="http://www.artwoo.com/tag/local+drug+store" rel="tag">local drug store</a>. By now, you should know that for every dollar you don't pay off on your credit card bill, you're going to be charged with the <a href="http://www.artwoo.com/tag/apr+rate" rel="tag">APR rate</a>. Depending on your card, this will vary but a majority of the times, it will be above ten percent depending on the credit. <br /><br /> The reason you're going to want to pay off your bill in full each month is because if you don't, just put two and two together. If you have a one thousand <a href="http://www.artwoo.com/tag/dollar+bill" rel="tag">dollar bill</a> and you only pay off nine hundred dollars, you'll have <a href="http://www.artwoo.com/tag/one+hundred+dollars" rel="tag">one hundred dollars</a> to spare. Those one hundred dollars are going to be tacked with the APR. That difference alone won't be equal or less than the rewards you're getting because let's say you get three percent knocked off that one thousand, that's thirty dollars, if that. <br /><br /> Now, with the one hundred dollars, if your APR rate is fifteen percent, you're going to pay <a href="http://www.artwoo.com/tag/fifteen+dollars" rel="tag">fifteen dollars</a> for every hundred <a href="http://www.artwoo.com/tag/dollars+each+year" rel="tag">dollars each year</a>. This can add up quick. <br /><br /> How can I pay off my bill in full? <br /><br /> This is so easy, it's incredible. Before you make a purchase with your plastic, make sure you know how much money you have on hand. This will include your checking account, etc. If you don't have enough money to make the purchase, simply don't make it. You're going to have to treat your credit card as if it were a gift card. If you can use this concept, you'll make the most out of your rewards. If you know you can't do this, then a credit card won't be for you. <br /><br /> A credit card can work wonders for you at the pump, it's up to you to make sure you discipline yourself. No one else is going to help you but yourself. If you can play the game right, the rewards will work for you. If you know you can't play the game right, then as I said a few other times, it would be best you stick to hard cold cash.   <bio>Find gas credit cards and more of Tom's work at <a href="http://www.findgascards.com" >http://www.findgascards.com</a>  </bio>]]></content:encoded>
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				<title>A Home Based Business Fear</title>
		<link>http://www.artwoo.com/article/a-home-based-business-fear</link>
		<comments>http://www.artwoo.com/article/a-home-based-business-fear#comments</comments>
				<pubDate>Sun, 27 Apr 2008 08:15:51 +0000</pubDate>
		<category>definition of fear</category><category>many different ways</category><category>horror stories</category><category>money pay</category><category>thousand dollars</category><category>hundred thousand</category><category>amount of money</category>		<guid>http://www.artwoo.com/article/a-home-based-business-fear</guid>
		<description><![CDATA[ Fear is an interesting thing. Fear is there so it is all about how we deal with it to push us forward. Fear can cause people not to achieve the things that they want, or the things they would like to do or what they are meant to do in their life. In business specifically, and you can apply this to]]></description>
    <content:encoded><![CDATA[ Fear is an interesting thing. Fear is there so it is all about how we deal with it to push us forward. Fear can cause people not to achieve the things that they want, or the things they would like to do or what they are meant to do in their life. In business specifically, and you can apply this to your personal life if you want to, but specifically in a home based business fear can creep up on you in <a href="http://www.artwoo.com/tag/many+different+ways" rel="tag">many different ways</a>. You can be making a hundred dollars a month and fear can keep you from making a thousand or three <a href="http://www.artwoo.com/tag/thousand+dollars" rel="tag">thousand dollars</a> a month. You can even be making ten or thirty thousand dollars a month and fear can keep you from making fifty or a <a href="http://www.artwoo.com/tag/hundred+thousand" rel="tag">hundred thousand</a> dollars a month, or literally fear can take you away from what you were making and bring you back down to the bottom, all because of this thing called fear. <br /><br /> Someone told me a <a href="http://www.artwoo.com/tag/definition+of+fear" rel="tag">definition of fear</a> a while back, probably about three or four years ago, and they said fear is a false expectation appearing real to you. It can be anywhere in your home based business when you work at home. If you are wondering how, for example, I am wondering how this pay per click will turn out, I might lose all my money. I have heard <a href="http://www.artwoo.com/tag/horror+stories" rel="tag">horror stories</a> about people losing a lot of money in pay per click and what if it happens to me, I only have this <a href="http://www.artwoo.com/tag/amount+of+money" rel="tag">amount of money</a>, pay per click is always changing, what if they change in the future, or how many keywords do I need. All of this thinking is a false expectation in your mind appearing real to you right now. These things do go through your mind. <br /><br /> It can be from even creating a lead capture page to you not being able to do it or not being able to hire someone to do it for you. Or is it going to turn out right, or are people going to op-in to it, or not. I have just gone into this home based business and what do I do now, I am not getting sales, I am not moving forward. People can even have a fear of getting more sales. People would be comfortable with making a few thousand a month and even though they want to make ten thousand dollars a month or more, there is this tiny fear in them. What do I do when I get there. How do I handle that. What do I do with that money, or what would I do with the people. There are all types of feelings with fear. <br /><br /> It is all false thinking. We all get it, but it is how we deal with it when it comes to us. What you should do is push it out of your mind. There are some things that you can do and to tell you the truth it really comes back to controlling your mind. We have our mind and we have to control it. We can literally control the thoughts that come into our mind, the things that come through our ears, the things that we see with our eyes, we can control that. I mean, if you do not want to watch a certain television show on TV you can change the channel or you can turn the TV off. If you do not want to hear something, you can turn the TV off. If someone is talking to you and you do not want to hear what they are saying, you can tell them to shut up or you can walk away, either way you can control that situation. <br /><br /> Our thoughts that pop into our mind come when nobody is around us, we can control that too. If we think a though we can delete it like a computer. If you are doing something on your computer and you do not want it, you can delete the file or delete a word on Microsoft word, just click the delete button. Well, it is the same thing with us, you can say in your mind this thought just came in, so just delete it, delete it, delete that thought. I do it all the time. It is a negative thought, it is a thought that is producing fear, I want it out of my mind because I am not going to be fearful of anything. I think that living with fear is a terrible way to live. You do not find many people like this, but I fear no competition.   <bio>Are You Prepared To Instantly Plug-in To A Power House Marketing System: Contact George Collins <a href="http://smallbusinesspractice.com" >http://smallbusinesspractice.com</a> Email George Collins <a href="http://georgecollins.com" >http://georgecollins.com</a>  </bio>]]></content:encoded>
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				<title>Deal Or No Deal: Make A Good Deal With The Bank</title>
		<link>http://www.artwoo.com/article/deal-or-no-deal-make-a-good-deal-with-the-bank</link>
		<comments>http://www.artwoo.com/article/deal-or-no-deal-make-a-good-deal-with-the-bank#comments</comments>
				<pubDate>Sat, 26 May 2007 14:15:00 +0000</pubDate>
		<category>hundred thousand</category><category>thousand dollars</category><category>odds</category><category>dollar jackpot</category><category>win a million dollars</category><category>win a million</category><category>million dollar</category>		<guid>http://www.artwoo.com/article/deal-or-no-deal-make-a-good-deal-with-the-bank</guid>
		<description><![CDATA[ Imagine being a contestant on the popular game show Deal or No Deal. You are under a lot of stress and hoping you can win a million dollars. Your heart pounds each time you select a case to open. Then you hear the words that it is time to call the bank and get an offer. What would you do? Would]]></description>
    <content:encoded><![CDATA[ Imagine being a contestant on the popular game show Deal or No Deal. You are under a lot of stress and hoping you can <a href="http://www.artwoo.com/tag/win+a+million+dollars" rel="tag"><a href="http://www.artwoo.com/tag/win+a+million" rel="tag">win a million</a> dollars</a>. Your heart pounds each time you select a case to open. Then you hear the words that it is time to call the bank and get an offer. What would you do? Would you accept a guaranteed payment of tens of thousands of dollars? Or would you reject it and keep going for the million <a href="http://www.artwoo.com/tag/dollar+jackpot" rel="tag">dollar jackpot</a>? <br /><br /> Hopefully, well before you arrived at the television studio, you would have formulated a plan. So much of the action in Deal or No Deal depends on out and out luck based upon which case you select that it would probably be hard to stick with plan since you have no idea what type of scenario you would find yourself in. <br /><br /> Still, you could have some general guidelines to go by. If for no other reason, you could use them to judge whether the Deal or No Deal bank was making you a reasonable offer. <br /><br /> For instance, if there are nine cases left to open plus your original draw, then that gives you a total of 10 cases, so the <a href="http://www.artwoo.com/tag/odds" rel="tag">odds</a> of a particular dollar amount being in a particular case are 10%. <br /><br /> In addition to that, you can determine an estimated worth of each individual case. For example suppose you know that the three big prizes of one <a href="http://www.artwoo.com/tag/hundred+thousand" rel="tag">hundred thousand</a> dollars, four hundred <a href="http://www.artwoo.com/tag/thousand+dollars" rel="tag">thousand dollars</a>, and seven hundred fifty thousand dollars are inside those remaining 10 cases. We can take the 10% odds number we arrived at earlier and multiply that times each of the three big dollar amounts. Add those sums together and you get a number of $125,000. That number will give you an idea of where you stand in the game and how much the bank should offer you to sell out. <br /><br /> If you would ever be lucky enough to become a contestant on Deal or No Deal, you would certainly want to win as large a prize as possible, even if the <a href="http://www.artwoo.com/tag/million+dollar" rel="tag">million dollar</a> pot didn't go your way. If you know how to calculate your odds and the worth of the cases as shown above, then the chances of you making a good deal with the bank and walking away from the show with bigger winnings would be greatly improved. <br /><br /> Even if you never make it to Deal or No Deal yourself, if you know how to use the formulas above, it should make the game show more fun for you to watch. You will have a better understanding of the risks the contestants are taking and you can give them advice from the comfort of your armchair!   <bio>Play <a href="http://www.squidoo.com/deal-or-no-deal-game/" >http://www.squidoo.com/deal-or-no-deal-game/</a> game for free here and have a chance of winning over =A3250,000!   </bio>]]></content:encoded>
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				<title>Eliminate Credit Card Debt</title>
		<link>http://www.artwoo.com/article/eliminate-credit-card-debt</link>
		<comments>http://www.artwoo.com/article/eliminate-credit-card-debt#comments</comments>
				<pubDate>Tue, 16 May 2006 15:32:03 +0000</pubDate>
		<category>credit card debt</category><category>credit cards</category><category>enormous debt</category><category>flushing</category><category>debts</category><category>emergencies</category><category>interest rate</category>		<guid>http://www.artwoo.com/article/eliminate-credit-card-debt</guid>
		<description><![CDATA[At this time many people have come to represent a social status, in essence many people believe that by dragging out their credit card upon making a purchase, they somehow are signifying their status within society. Essentially most people make use of their credit cards for a variety of things]]></description>
    <content:encoded><![CDATA[At this time many people have come to represent a social status, in essence many people believe that by dragging out their credit card upon making a purchase, they somehow are signifying their status within society. Essentially most people make use of their <a href="http://www.artwoo.com/tag/credit+cards" rel="tag">credit cards</a> for a variety of things without giving real thought to the implications that could happen in the future from doing so. Many people who carry credit cards, also have the <a href="http://www.artwoo.com/tag/enormous+debt" rel="tag">enormous debt</a> that goes along with it. It is said that an average family will carry more than seven thousand dollars in <a href="http://www.artwoo.com/tag/credit+card+debt" rel="tag">credit card debt</a> alone and is being charged around one thousand dollars in interest alone on a yearly basis. The one thousand dollars that is spend on the interest, could be more useful in other areas such as savings, investments, or paying other bills, instead of essentially <a href="http://www.artwoo.com/tag/flushing" rel="tag">flushing</a> it down the drain because you use the credit card for all purposes. <br /><br /> The best way to eliminate your debt made with credit cards is to simply cease in using them. If you carry more than one, you should choose the card that has an <a href="http://www.artwoo.com/tag/interest+rate" rel="tag">interest rate</a> that is lower than the others and only use that one for <a href="http://www.artwoo.com/tag/emergencies" rel="tag">emergencies</a>. This card again should only be used in the event of an emergency. Another way to accomplish the elimination of credit card debt, is to begin to pay them off. Sit down and make a list of all the <a href="http://www.artwoo.com/tag/debts" rel="tag">debts</a> you have and the amount you have to pay on a monthly basis for each. You should begin by paying off the debt of the lowest amount first, once you have paid that one off. Take the same amount and begin to pay off the next one up and continue until you have paid them all off. <br /><br /> Another step you can take is to begin by paying off the credit card that maintains the highest interest first or take into consideration consolidating the debt you have by using a loan that carries low interest, such as a home loan. By using these tips in eliminating your credit card debt you could begin to take control of the financial aspects of your life, it is important that you completely understand that the use of your credit card on frivolous items, could result in financial peril.   <bio>Tim Renolds is a wirter for the <a href="http://www.loan-source.co.uk">http://www.loan-source.co.uk</a> website. Tim enjoys writitng on many finance related subjects. </bio>]]></content:encoded>
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				<title>What Are Some of the Most Expensive Brands of Pianos on the Market?</title>
		<link>http://www.artwoo.com/article/what-are-some-of-the-most-expensive-brands-of-pianos-on-the-market</link>
		<comments>http://www.artwoo.com/article/what-are-some-of-the-most-expensive-brands-of-pianos-on-the-market#comments</comments>
				<pubDate>Sun, 05 Oct 2008 02:43:27 +0000</pubDate>
		<category>mason hamlin</category><category>alma tadema</category><category>one million dollars</category><category>double digits</category><category>costly investment</category><category>economy line</category><category>quality instrument</category>		<guid>http://www.artwoo.com/article/what-are-some-of-the-most-expensive-brands-of-pianos-on-the-market</guid>
		<description><![CDATA[Pianos, as a whole, can be a pretty costly investment. They often range into the double digits of thousands for even some of the lower end models.There seem to be manufacturers that have both an "economy" line of pianos that it would be easier for an average, middle class family to afford as well]]></description>
    <content:encoded><![CDATA[Pianos, as a whole, can be a pretty <a href="http://www.artwoo.com/tag/costly+investment" rel="tag">costly investment</a>. They often range into the <a href="http://www.artwoo.com/tag/double+digits" rel="tag">double digits</a> of thousands for even some of the lower end models.<br><br>There seem to be manufacturers that have both an "economy" line of pianos that it would be easier for an average, middle class family to afford as well as a range of higher end pianos designed for the more serious player. Though the most sought after pianos, and those often mentioned as the favorites of more experienced players come from manufacturers that exclusively craft high end, very expensive instruments.<br><br>Fazioli<br><br>Fazioli are makers of some of the most incredible and unusual specialty pianos available - ranging in price from just under six figures at the bottom of the scale, all the way up to a whopping four hundred thousand dollars. Fazioli's most expensive piano is beautifully hand crafted from the wood of the mighty Sequoia and is accented with jewels and mother of pearl.<br><br>Much of what Fazioli produces is not patented, they are confident enough in their creations and craftsmanship to give others a free pass to try and duplicate it. Fazioli is ever striving and succeeding to be the most innovative piano company in the world, so if you can't live without one of these incredible instruments - you'd better be prepared to pay for it.<br><br>Steinway<br><br>Often mentioned among the most popular brands of piano of all time, Steinway also makes some of the most expensive pianos as well. Though the Steinway name is much more prominent and widely available to the general public than that of specialty manufacturer Fazioli, its Steinway that boasts the single most expensive piano ever produced - the Alma-Tadema, which sold at auction for in excess of <a href="http://www.artwoo.com/tag/one+million+dollars" rel="tag">one million dollars</a>.<br><br>Mason and Hamlin<br><br>Mason and Hamlin is another high end manufacturer, producing some of the most beautiful and well crafted pianos in the world. With Mason and Hamlin you are sure to get a high <a href="http://www.artwoo.com/tag/quality+instrument" rel="tag">quality instrument</a>, but you won't run into prices that are quite as astronomical as that of Steinway or Fazioli. Mason and Hamlin has pianos starting as low as about twenty thousand dollars, but for their top of the line instrument, you can expect to spend in the neighborhood of one hundred thousand dollars.<br><br>Kawai<br><br>Kawai is a very popular manufacturer that covers both ends of the spectrum when it comes to pricing. Kawai makes Grande pianos that range in price from just over ten thousand dollars (which is very reasonable when it comes to an instrument from a reputable manufacturer), all the way up to almost one hundred and twenty thousand for their most expensive model.<br><br>Yamaha<br><br>Yamaha is one of the most popular brands of piano in terms of both sound and quality. Yamaha has an extensive line of pianos, including several that would be considered "affordable" in the world of piano players. They have a few higher end pianos that exceed the fifty thousand dollar mark and their top of the line model comes in at nearly one hundred and thirty thousand dollars.<br><br>It wouldn't be unheard of to see Yamaha ranked, in terms of quality, right up their with the manufacturers that produce nothing but the most expensive instruments, so the argument could certainly be made that Yamaha may pack the most punch for your dollar spent when it comes to their fine instruments.<br><br>For the most part, the old adage of "you get what you pay for" is just as true with pianos as it is with everything else. So if you want either a specialty piano, or one of the high end instruments from one of the more respected and reputable manufacturers, you should probably expect to pay top dollar for it - and with pianos, sometimes top dollar is well over six figures.<bio>View our stunning lineup of prestigious pianos at our <a href="http://www.merriammusic.com/storeHTML/index.php">piano store Toronto</a>. Offers quality pianos such as <a href="http://www.merriammusic.com/storeHTML/pianos.php?sec=6and#8834;=43">Fazioli</a>, Baldwin, Shigeru Kawai or Grotrian. Quality, uncomprimising and exotic, the Fazioli piano is truly a product of the modern era.</bio>]]></content:encoded>
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				<title>Playing With A World War Two Airsoft Gun</title>
		<link>http://www.artwoo.com/article/playing-with-a-world-war-two-airsoft-gun</link>
		<comments>http://www.artwoo.com/article/playing-with-a-world-war-two-airsoft-gun#comments</comments>
				<pubDate>Sat, 26 May 2007 22:20:00 +0000</pubDate>
		<category>airsoft guns</category><category>airsoft gun</category><category>world war two</category><category>m1 garand</category><category>m1a1 carbine</category><category>weapons of world war two</category><category>m3a1 grease gun</category>		<guid>http://www.artwoo.com/article/playing-with-a-world-war-two-airsoft-gun</guid>
		<description><![CDATA[ For people who like to use the weapons of world war two without spending the high prices that a real gun can cost, many now buy world war two airsoft guns. These are not cheap but they are less than the real thing. These guns are well made and considered high performance in the airsoft world.]]></description>
    <content:encoded><![CDATA[ For people who like to use the weapons of <a href="http://www.artwoo.com/tag/world+war+two" rel="tag">world war two</a> without spending the high prices that a real gun can cost, many now buy world war two <a href="http://www.artwoo.com/tag/airsoft+guns" rel="tag"><a href="http://www.artwoo.com/tag/airsoft+gun" rel="tag">airsoft gun</a>s</a>. These are not cheap but they are less than the real thing. These guns are well made and considered high performance in the airsoft world. These airsoft guns are even made to be field stripped. Expect to pay over a thousand dollars for the best replicas but also expect to be amazed with the quality and attention to detail. The airsoft guns use real metal parts and have real wood stocks where appropriate. <br /><br /> A world war two airsoft gun is legal in most countries and a person doesn't have to have a license either. These guns will fire and the flame coming from the muzzle is real but they don't actually shoot a projectile. It will discharge the cartridge but there isn't anything in the cartridge that comes out of the barrel. Many of the world war two airsoft guns are fully automatic and depending on the gun, might also have some recoil. <br /><br /> World War Two Airsoft Gun Prices And Models <br /><br /> If a certain gun was used as a world war two gun, there is a world war two airsoft gun. Some of these guns are the <a href="http://www.artwoo.com/tag/m3a1+grease+gun" rel="tag">M3A1 grease gun</a>. It is a 45 caliber replica with a fully automatic thirty round clip available. These can be purchased from between three hundred seventy dollars to over four hundred fifty dollars. <br /><br /> Another great world war two airsoft gun that is a replica piece is the <a href="http://www.artwoo.com/tag/m1+garand" rel="tag">M1 Garand</a> semi automatic replica gun. The M1 Garand was made to chamber the 30-06 round and was accurate to about four hundred meters. The world war two airsoft gun is built with full metal parts and a real wood stock. It looks exactly like what it was modeled after. The M1 Garand can be purchased for around nine hundred dollars to about nine hundred fifty dollars depending on what equipment comes with the gun. <br /><br /> One last world war two airsoft gun to look at is the <a href="http://www.artwoo.com/tag/m1a1+carbine" rel="tag">M1A1 carbine</a> airborne version. It has the folding metal butt section and is a high quality piece of equipment. Looking like the original carbine this gun is built to exacting specifications. It is a lot more money but it is worth the cost because it is a work of art. The cost for the airborne model is about one thousand four hundred fifty dollars.   <bio><a href="http://www.mytop-gun.com" >http://www.mytop-gun.com</a> has all the information and advice relating to airsoft guns, gas air soft guns, paintball guns, bb guns.  </bio>]]></content:encoded>
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				<title>Targeted Traffic Directed To A Targeted Sales Page Brings Money</title>
		<link>http://www.artwoo.com/article/targeted-traffic-directed-to-a-targeted-sales-page-brings-money</link>
		<comments>http://www.artwoo.com/article/targeted-traffic-directed-to-a-targeted-sales-page-brings-money#comments</comments>
				<pubDate>Wed, 03 Oct 2007 23:34:58 +0000</pubDate>
		<category>good marketing</category><category>email</category><category>literally</category><category>money</category><category>traffic</category><category>copyrighted software</category><category>auto responder</category>		<guid>http://www.artwoo.com/article/targeted-traffic-directed-to-a-targeted-sales-page-brings-money</guid>
		<description><![CDATA[ When you make a marketing piece, call your friends up, email them, tell them to look at your lead capture page, look at your ad, look at your auto responder series, read through it. Do not ask them what they think, ask them what they thought. Not that they thought it was good, but what were they]]></description>
    <content:encoded><![CDATA[ When you make a marketing piece, call your friends up, <a href="http://www.artwoo.com/tag/email" rel="tag">email</a> them, tell them to look at your lead capture page, look at your ad, look at your <a href="http://www.artwoo.com/tag/auto+responder" rel="tag">auto responder</a> series, read through it. Do not ask them what they think, ask them what they thought. Not that they thought it was good, but what were they thinking when they read your pieces. Just ask them, have them look at it and you say what do you think and they say oh great. Well if they say that, you need to change your marketing material. <br /><br /> Now, if you ask them what do you think and they say it made me want to buy the product, that is different. If they do not have the product that you are selling or are a member of it and they say that, they probably would say hey, I would like to get this, what is it that you are talking about, I would like to get it.  Well that is a very <a href="http://www.artwoo.com/tag/good+marketing" rel="tag">good marketing</a> piece. Then you can go ahead and spend some <a href="http://www.artwoo.com/tag/money" rel="tag">money</a> on it, still test it, but you can spend some money on it and tweak it a little bit, until you have the sales process that you want.<br /><br /><br /><br /> If you start out and you are getting one sale out of every hundred op-ins or people that look at your sales page then, you keep tweaking it until you get down to however many sales you want per amount of people that look at the page. We will be putting software in our higher level package, <a href="http://www.artwoo.com/tag/copyrighted+software" rel="tag">copyrighted software</a>, that basically takes paragraphs, takes headlines and <a href="http://www.artwoo.com/tag/literally" rel="tag">literally</a> compares it to some of the best pulling words and ads and things in the whole world and rates it.<br /><br /><br /><br /> What does that do for me, if I had a headline in a lead capture page or a sales page that might have taken me weeks or even months to get it to, I mean testing it multiple ways, because when you are testing you could change a word or two and you go and get <a href="http://www.artwoo.com/tag/traffic" rel="tag">traffic</a> to it. Then you come back and change something, get traffic to it and this could be an ongoing process for days, weeks and months.<br /><br /><br /><br /> What this software will do and we have used this for a while, it literally will safe you money from testing, you do not spend money on testing, it will save you time. It will put more money in your pocket because you will get the right paragraph, the right line, the right headline from fifteen minutes or a half hours worth of playing around with it at what would take you months to get the same results. Literally double and tripling the response rate of the ad without even testing it. This is the type of software and other things that we will be putting in our back office from our rolodex of things that we use on a daily basis. <br /><br /> We will also be putting on some businesses online that either will help you make life easier, or will make you more money. We will be sharing that with you when you purchase the higher level program. If you did not get anything out of this article but to target market and who to target and how to target it, take that and run with it. Take my simple formula, targeted traffic pointed towards a targeted sales page equals commissions. Look at your own business, if it is not doing that, than fix it.  Until then you are not going to get the results that you want.  <br /><br /> I will be putting out more articles that will help your business and make the difference on whether you fail or succeed.<br /><br />It will make the difference whether you are now making a few thousand dollars a month or ten thousand dollars a month to going up to making thirty, forty or fifty thousand dollars a month, or if you are making forty or fifty thousand dollars a month going up to a hundred or two hundred thousand dollars a month. This stuff matters. If you are going to invest your time and money in this industry, you have to take the time and learn the proper way to do things.<br /><br /><br /><br /> If you do not, you will keep getting the same results. The people who routinely fail, routinely do the same things that cause them to fail.<br /><br /> Let me know how I can help you.   <bio>Are You Prepared To Instantly Plug-in To A Power House Marketing System: Contact George Collins  <a href="http://mymarketingfirm.com" >http://mymarketingfirm.com</a> Email George Collins  <a href="http://georgecollins.com" >http://georgecollins.com</a>  </bio>]]></content:encoded>
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				<title>How Much Car Can You Afford?</title>
		<link>http://www.artwoo.com/article/how-much-car-can-you-afford</link>
		<comments>http://www.artwoo.com/article/how-much-car-can-you-afford#comments</comments>
				<pubDate>Tue, 06 Nov 2007 15:34:57 +0000</pubDate>
		<category>dollar budget</category><category>budget numbers</category><category>bank account interest rates</category><category>thousand dollars</category><category>purchasing a car</category><category>car payments</category><category>auto dealerships</category>		<guid>http://www.artwoo.com/article/how-much-car-can-you-afford</guid>
		<description><![CDATA[ Purchasing a car can be very stressful and when it comes down to budgeting for a car, you may start to get confused on how much you should actually spend. Like anything you buy in your life that requires a monthly payment, you want to make sure you can afford it and you're not living beyond your]]></description>
    <content:encoded><![CDATA[ <a href="http://www.artwoo.com/tag/purchasing+a+car" rel="tag">Purchasing a car</a> can be very stressful and when it comes down to budgeting for a car, you may start to get confused on how much you should actually spend. Like anything you buy in your life that requires a monthly payment, you want to make sure you can afford it and you're not living beyond your means. Whether it's a car, home, loan, etc, you have to be responsible. <br /><br /> Like any budget, you're going to want to write down every single expense you have each month. With a car, most experts say that you shouldn't spend more than 20% of your monthly income on your <a href="http://www.artwoo.com/tag/car+payments" rel="tag">car payments</a>. This includes your cap payment and insurance. A lot of websites online will allow you to get estimates and loan quotes. <br /><br /> When it comes to your budget, you have to remember that 20% may seems like a lot, which it is and you can get a lot of car for a few hundred dollars. Now, if you're going to purchase this car with cash, you obviously won't have to worry about the 20% unless you have zero dollars in your bank account. <br /><br /> Interest rates are important when planning out your budget. Depending on your credit history and the time of the year, you may find yourself in a bind and noticing that you're going to have to pay a lot just toward interest. If the interest rates are low, you may find yourself buying a jaguar. If the interest rates are high, you may find yourself buying a low-end car that you don't want. The key to budgeting is now going over your budget. If you're greedy, it will hurt you in the long run. <br /><br /> A few you things you have to factor into your <a href="http://www.artwoo.com/tag/budget+numbers" rel="tag">budget numbers</a> are your down payment. In the old days, most <a href="http://www.artwoo.com/tag/auto+dealerships" rel="tag">auto dealerships</a> required that you paid a down payment. What you'll find now is that most places, just like mortgages don't even require a penny. The more money you have to put down, the better! If we were to say you made three <a href="http://www.artwoo.com/tag/thousand+dollars" rel="tag">thousand dollars</a> a month, this would leave with you a six hundred <a href="http://www.artwoo.com/tag/dollar+budget" rel="tag">dollar budget</a>. This can buy you a lot of car. Now just imagine if you add a few thousand dollars toward your down payment. <br /><br /> Now, the 20% rule doesn't apply toward everyone. There are exceptions for a few people. If we take a student for example that lives at home with his/her parents still, they obviously aren't brining home a big paycheck. Therefore, they will have no choice but to spend over their 20% budget. This is obviously ok because a house payment is a majority of your bills. A parent's responsibility is to let them know that it's extremely important to get that car paid off by the end of their college career or they may find themselves with bills over their head. <br /><br /> If you're responsible with your money and you're good with a budget, just remember the simple rule. Don't spend more than 20% of your total income for the month.   <bio>Tom Tessin is the founder of the T2 Web Network, LLC, which maintain and runs <a href="http://www.findgascards.com" >http://www.findgascards.com</a>  </bio>]]></content:encoded>
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				<title>Time To Switch To An Apple Macbook</title>
		<link>http://www.artwoo.com/article/time-to-switch-to-an-apple-macbook</link>
		<comments>http://www.artwoo.com/article/time-to-switch-to-an-apple-macbook#comments</comments>
				<pubDate>Fri, 31 Aug 2007 08:20:00 +0000</pubDate>
		<category>apple macbook pro</category><category>laptop</category><category>airline power adaptor</category><category>ac adaptor</category><category>sony vaio</category><category>thousand dollars</category><category>30 minutes</category>		<guid>http://www.artwoo.com/article/time-to-switch-to-an-apple-macbook</guid>
		<description><![CDATA[ The Apple MacBook is the most talked about laptop this year, but does it live up to its hype? The Apple MacBook is a follow up from the Apple MacBook Pro giving a more consumer-friendly price with a new design. Around a thousand dollars cheaper the Macbook pro, the Macbook still has a lot of the]]></description>
    <content:encoded><![CDATA[ The Apple MacBook is the most talked about <a href="http://www.artwoo.com/tag/laptop" rel="tag">laptop</a> this year, but does it live up to its hype? The Apple MacBook is a follow up from the <a href="http://www.artwoo.com/tag/apple+macbook+pro" rel="tag">Apple MacBook Pro</a> giving a more consumer-friendly price with a new design. Around a <a href="http://www.artwoo.com/tag/thousand+dollars" rel="tag">thousand dollars</a> cheaper the Macbook pro, the Macbook still has a lot of the same cool features: <br /><br /> =95 Has an updated Intel's Core 2 Duo CPU  =95 A built in Webcam with remote control  =95 Is able to run Windows XP  =95 Two USB 2.0 Ports  =95 FireWire 400 <br /><br /> The MacBook definitely lives up to its expectations starting at only 1,099 dollars. These 13.3 inch laptops can almost do everything their predecessor MacBook Pro can, costing a thousand dollars less. It has many of the same features as the pro including iSight Camera and a great distinctive look. The Macbook is great for anyone looking to update their older Macbook. <br /><br /> The MacBook has a very nice screen with a resolution of 1200x800 pixels and is 13.3 inches wide making everything clear and easy to read. The Pro offers 1,440x900, but the difference is almost nothing to the naked eye. One of the greatest changes Apple has incorporated into the MacBook is the keyboard. It has totally flat keys like the <a href="http://www.artwoo.com/tag/sony+vaio" rel="tag">Sony VAIO</a> C150P/B other than the concave keys they use to have. The MacBook also has a two finger scroll making the laptop much easier to use without a mouse. Apple is known for their innovation, and the MacBook's <a href="http://www.artwoo.com/tag/ac+adaptor" rel="tag">AC adaptor</a> shows that. The AC adaptor is attached magnetically, so if you trip over the wire it will simply detach instead of sending your whole laptop crashing down. Genius right? <br /><br /> Performance and Upgrades <br /><br /> Several battery tests have been given to the Macbook with impressive results. The average length of battery time was 3 hours and <a href="http://www.artwoo.com/tag/30+minutes" rel="tag">30 minutes</a> which was 30 minutes more than the MacBook Pro. <br /><br /> There are many upgrades and accessories available for the Macbook. One of the most popular is $59 dollars for an <a href="http://www.artwoo.com/tag/airline+power+adaptor" rel="tag">airline power adaptor</a> called the MagSafe Airline Adaptor. With it, you could easily watch a movie or two during your flight. The basic MacBook Pro comes with 1GB of RAM and a 120GB hard drive. You can double all of that for $175, or you can spoof up your hard drive to 160 GB for 100 dollars or 200 GB for 200 dollars. Apple also sells a number of external accessories including a USB modern jack for 49 dollars or a mini-DVI-to-VGA adapter for 19 dollars. <br /><br /> Although the MacBook and MacBook Pro share a lot of similarities there are some major differences including the price, screen size, and design. One of the major changes is that The MacBook Pro is equipped with ATI Mobility Radeon X1600, while the MacBooks are stuck with Intel GMA 950 graphics. If you're a gamer you should consider getting the Pro. <br /><br /> The new MacBook is definitely a hit giving consumers a chance to own a business-like laptop for a very reasonable price. Although there are some differences, the MacBook still has a lot of the great features of the MacBook Pro.   <bio>Patrick Nelson Technical Writer <a href="http://www.gtechexpo.com" >http://www.gtechexpo.com</a>  </bio>]]></content:encoded>
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				<title>Business Loans - The Interview</title>
		<link>http://www.artwoo.com/article/business-loans-the-interview</link>
		<comments>http://www.artwoo.com/article/business-loans-the-interview#comments</comments>
				<pubDate>Tue, 09 May 2006 21:32:01 +0000</pubDate>
		<category>borrow money</category><category>money bank</category><category>borrowing money</category><category>extra</category><category>obviously</category><category>vans</category><category>banks</category>		<guid>http://www.artwoo.com/article/business-loans-the-interview</guid>
		<description><![CDATA[ Bank Manager: Good morning, how are you?  Customer: Fine thank you, yourself?  Bank Manager: I am very well, thank you. What can we do for you today?  Customer: I need a loan for my business.  Bank Manager: How much do you need?  Customer: Fifty thousand dollars.  Bank Manager: What do you need]]></description>
    <content:encoded><![CDATA[ Bank Manager: Good morning, how are you? <br /><br /> Customer: Fine thank you, yourself? <br /><br /> Bank Manager: I am very well, thank you. What can we do for you today? <br /><br /> Customer: I need a loan for my business. <br /><br /> Bank Manager: How much do you need? <br /><br /> Customer: Fifty thousand dollars. <br /><br /> Bank Manager: What do you need the money for? <br /><br /> Customer: I need to buy and equip two new <a href="http://www.artwoo.com/tag/vans" rel="tag">vans</a> and take on two <a href="http://www.artwoo.com/tag/extra" rel="tag">extra</a> employees. <br /><br /> Bank Manager: What fraction of the cost does this fifty thousand dollars represent? <br /><br /> Customer: A half. My business account currently has a balance of sixty thousand dollars. I will be using most of that. <br /><br /> Bank Manager: How long will you need the money for? <br /><br /> Customer: Two years. That should be long enough. <br /><br /> Bank Manager: How will you repay the loan? <br /><br /> Customer: Having two extra vans and drivers will mean that I can expand the business and take on business that I have been turning away for the past year. I will use some of the profit I make from the extra business to make the repayments. <br /><br /> Bank Manager: Every business needs to <a href="http://www.artwoo.com/tag/borrow+money" rel="tag">borrow money</a> from time to time. Businesses that are not <a href="http://www.artwoo.com/tag/borrowing+money" rel="tag">borrowing money</a> are not usually being well run. Even the largest of companies borrow money. Countries borrow money, so why not companies? <br /><br /> Customer: I do not like borrowing money. <br /><br /> Bank Manager: A company is usually borrowing to pay for investment. The income generated by the investment will more than pay off the loan. Small companies need to invest, and <a href="http://www.artwoo.com/tag/banks" rel="tag">banks</a> realize this. Banks are always willing to consider a loan to a small business. After all, that is where the bank makes its money, on the interest and charges made for loans. I need to be confident that the company can repay the loan, <a href="http://www.artwoo.com/tag/obviously" rel="tag">obviously</a>. <br /><br /> Customer: Oh, I can see that. <br /><br /> Bank Manager: Your business income has been growing steadily over the past three years and I was going to phone you to see if you needed a loan to expand. Your timing in asking for an appointment was perfect. <br /><br /> Customer: OK. That is all then? Is it that easy? <br /><br /> Bank Manger: I will post the loan papers to you, just fill in the details, sign them and return them to us. We should be able to pay the loan amount into your account by next Friday. <br /><br /> Customer: That is great. Thanks   <bio>Pearl Deloria has a background in management and engineering, including SMEs. For more small business related information visit <a href="http://business-loans-today.info/">http://business-loans-today.info/</a> and <a href="http://www.payroll-services-today.info/">http://www.payroll-services-today.info/</a> </bio>]]></content:encoded>
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				<title>Saving For a Grandchild's Education</title>
		<link>http://www.artwoo.com/article/saving-for-a-grandchilds-education</link>
		<comments>http://www.artwoo.com/article/saving-for-a-grandchilds-education#comments</comments>
				<pubDate>Wed, 19 Nov 2008 19:57:23 +0000</pubDate>
		<category></category>		<guid>http://www.artwoo.com/article/saving-for-a-grandchilds-education</guid>
		<description><![CDATA[Grandparents can now save toward their grandchildren's college fund easily because this kind of fund recently received a further tax cut. Section 529 Savings Plan for College, which is so named after the U.S. tax Section 529 code, is the newly ratified education fund with tax benefits. It is said]]></description>
    <content:encoded><![CDATA[<a href="http://www.artwoo.com/tag/" rel="tag"></a>Grandparents can now save toward their grandchildren's college fund easily because this kind of fund recently received a further tax cut. Section 529 Savings Plan for College, which is so named after the U.S. tax Section 529 code, is the newly ratified education fund with tax benefits. It is said to be many grandparents' gift to their grandchildren, as the savings bond was to their generation.<br><br>Section 529 is different from the other Section 529 that deals with tuition programs that are prepaid at state school at the day's dollar rates for the future education of a child. The savings plan envisioned in this Section 529 endeavors to let anybody set up the accounts, from friends, other relatives, parents or grandparents. The growth of the investment is tax free, as is the distributions, as used in paying for tuition and additional education connected expenses such as living expenses, books, room and board and so forth, at an accredited university or college.<br><br>This help will be welcomed by families, considering that a private four year college education costs higher than a hundred thousand in today's terms. This will almost double in twelve years, at an annual 5.5% inflation rate due to tuition costs rising higher than overall inflation. Without breaching federal tax on gifts, grandparents can contribute about eleven thousand dollars as individuals or twenty two thousand dollars as couples, with this savings plan. To begin with, grandparents can contribute about fifty five thousand dollars for singles or as a couple, a hundred and ten thousand dollars to the Section 529 savings plan at any one time, therefore spreading the exclusion of the gift tax over the five years of saving. If the contributor/s dies within the five years, the remaining bit is returned to the estate for tax reasons.<br><br>A grandparent can establish multiple accounts, though the exclusion of gift tax is counted towards the total contributions, for instance, when accounts are opened in two separate states for the same grandchild. Other than this, control and flexibility is offered by the Section 529 plan, unlike other techniques, which passes control of the money to the grandchildren once majority age is attained. With this savings plan, the grandparents decide when withdrawals are made and their purposes. Beneficiaries can be switched and funds reclaimed in certain circumstances. Withdrawals are subject to a penalty of ten percent in addition to income tax.<br><br>Despite Section 529 being authorized by congress in '96, their popularity is set to rise due to their added flexibility and the tax free, new earnings. State-sponsored plans are accessible in forty different states. Additionally, people have the option of signing up in another state if their home state does not sponsor any plans. Some states charge taxes for any withdrawals while others do not. People also have the option of moving a less performing plan to a better performing plan in another state. This ensures that regardless of their location, they will get the best possible plan for their grandchildren.<bio>Find helpful and creative ideas for parents and grandparents while you shop our great selection of kids furniture (including our popular <a href="http://www.themagicalrockinghorse.com/toy-boxes.html">toy boxes</a>) and classic toys. Visit www.TheMagicalRockingHorse.com today!</bio>]]></content:encoded>
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				<title>Make Money Hand Over Fist With The Reverse Funnel System</title>
		<link>http://www.artwoo.com/article/make-money-hand-over-fist-with-the-reverse-funnel-system</link>
		<comments>http://www.artwoo.com/article/make-money-hand-over-fist-with-the-reverse-funnel-system#comments</comments>
				<pubDate>Mon, 06 Oct 2008 01:50:46 +0000</pubDate>
		<category>genius system</category><category>ty coughlin</category><category>multi level marketing</category><category>holy grail</category><category>follow ups</category><category>talented workers</category><category>marketing systems</category>		<guid>http://www.artwoo.com/article/make-money-hand-over-fist-with-the-reverse-funnel-system</guid>
		<description><![CDATA[One of the most talked about affairs regarding marketing systems is the reverse funnel system. This system was originated by the Inner Circle Team and Ty Coughlin, initially for the home business industry. It has been revered and referred to as the "Holy Grail" when it comes to automating business]]></description>
    <content:encoded><![CDATA[One of the most talked about affairs regarding <a href="http://www.artwoo.com/tag/marketing+systems" rel="tag">marketing systems</a> is the reverse funnel system. This system was originated by the Inner Circle Team and <a href="http://www.artwoo.com/tag/ty+coughlin" rel="tag">Ty Coughlin</a>, initially for the home business industry. It has been revered and referred to as the "<a href="http://www.artwoo.com/tag/holy+grail" rel="tag">Holy Grail</a>" when it comes to automating business industries. <br><br>What is the reverse funnel system?<br><br>With this reverse funnel system, you do not have to tire yourself being on the phone 24/7 just to make some leads, preparing appointments, arranging follow-ups, and other stuff you would not to normally do. Aside from getting bored, you can actually make use of your time more efficiently. <br><br>Most people would think that they do not have much of a choice since, in this multi-level marketing business, it is something that they are used to doing, and probably all that they know how to do. With the genius of Ty Coughlin and his creation, the reverse funnel system, everything has been changed and made more convenient for you and your potential marketers.<br><br>Who came up with this <a href="http://www.artwoo.com/tag/genius+system" rel="tag">genius system</a>?<br><br>Mister Coughlin invented this genius system and had copywriters hired and paid a wonderful sum of twenty thousand dollars. This system also encompasses programmers who serve their duties like state-of-the-art performers. All of these hardworking and multi-<a href="http://www.artwoo.com/tag/talented+workers" rel="tag">talented workers</a> have been together to make sure that its users get a minimum sales of one thousand dollars per day.<br><br>This convenient reverse funnel system has been launched just a month ago and already it has been at its booming level. The number of sales is completely overwhelming. You do not require much skill, experience, or knowledge just so it will work for it will definitely no matter who uses it. You do not have to be a genius just to utilize this genius invention.<br><br>Providing yourself with a market.<br><br>However, just because this system works its wonders at your convenience that does not mean that you do not get to do any work at all. You still need to provide yourself with a market. You still need to market this system so that your version of take in this reverse funnel system is always filled with potentials. Keep doing this, and make sure that your workers will also do this, and your gain of one thousand dollars each day is a guarantee.<br><br>What is good in this system is that the massive advertising is actually built in it. Mister Coughlin, with this program, has given you a pipeline of the most popular and highest converting advertisements. Also, you do not have to think about where to have these advertisements settled, since this system will do all that for you. There are also co-operatives which work together with this massive advertising so that all you need to do is do your part and you will gain a lot of traffic transmitted directly to your copy of this system.<br><br>Those who have been around this kind of industry for some time now, thus, they practically know the nooks and crannies of this kind of business, have stated that this system is the best one they have encountered by far. All they need to spend their patience on is how the data input will result in several months. If the success happens consistently for a minimum of a year, then there is an expected twenty to thirty thousand dollars income in a month. Think of these values while thinking of having things accomplished with this system for five to ten years.<br><br>To Learn More About The Reverse Funnel System, Please Be Sure To Check Out The Link Below....<bio>How Would You Like To Be Taken By The Hand And Taught Step By Step Strategies You Could Put Into Place RIGHT NOW That Will Bring You More Leads, More Sales, More Income, And More Prospects Then You Ever Had Before => <a href="http://www.generateinfiniteleads.com/Articles.html" title="http://www.generateinfiniteleads.com/Articles.html" target="_blank">http://www.generateinfiniteleads.com/Articles.html</a></bio>]]></content:encoded>
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				<title>Alternatives to Timeshare</title>
		<link>http://www.artwoo.com/article/alternatives-to-timeshare</link>
		<comments>http://www.artwoo.com/article/alternatives-to-timeshare#comments</comments>
				<pubDate>Wed, 24 Sep 2008 21:50:20 +0000</pubDate>
		<category>timeshare unit</category><category>upfront fee</category><category>timeshare weeks</category><category>timeshare owner</category><category>timeshare week</category><category>timeshare properties</category><category>resort timeshare</category>		<guid>http://www.artwoo.com/article/alternatives-to-timeshare</guid>
		<description><![CDATA[Throughout the years, the popularity of timeshares has grown so dramatically that over two million Americans have timeshare properties within the United States and overseas. But as the popularity of timeshare industry rose, so did scams and frauds. Even recently the timeshare industry has been hurt]]></description>
    <content:encoded><![CDATA[Throughout the years, the popularity of timeshares has grown so dramatically that over two million Americans have <a href="http://www.artwoo.com/tag/timeshare+properties" rel="tag">timeshare properties</a> within the United States and overseas. But as the popularity of timeshare industry rose, so did scams and frauds. Even recently the timeshare industry has been hurt by the crooked activities of frauds and scammers. Even with these issues within the timeshare industry, a new breed of options are emerging. The biggest reason that many people were drawn towards timeshares, was due to the expensive costs involved for a large family to vacation every year at a traditional hotel or a resort. A timeshare provided a viable, yet economic, alternative to the problem.<br><br>But on the the other side of the coin, buying into a timeshare often involves a large <a href="http://www.artwoo.com/tag/upfront+fee" rel="tag">upfront fee</a>, which can typically range anywhere from ten thousand dollars to fifty thousand dollars. On top of that, the <a href="http://www.artwoo.com/tag/timeshare+owner" rel="tag">timeshare owner</a> will have to pay the annual maintenance fee, property taxes, management fees, upgrade costs etc. which could range between a few hundred dollars or more depending on the timeshare resort. Timeshare owners are also stuck with going to the same timeshare resort every year and are likely getting bored with the resort. Albeit some timeshares offer an "exchange program" which will allow timeshare owners to exchange their <a href="http://www.artwoo.com/tag/timeshare+weeks" rel="tag"><a href="http://www.artwoo.com/tag/timeshare+week" rel="tag">timeshare week</a>s</a> throughout many different resorts and locations. However, there is typically a cost involved with exchanging your timeshare week. An even more backbreaking task is when a timeshare owner decides to sell their <a href="http://www.artwoo.com/tag/timeshare+unit" rel="tag">timeshare unit</a>. Always keep in mind that timeshares are one of the most difficult things to sell even when the timeshare owner is selling their timeshare for 30%-50% LESS than the original price.<br><br>Seeing as how the vacation business is a multi-billion dollar industry, there are always new alternatives and concepts coming out. The latest concept is one in which someone can buy a membership to a resort or hotel. A resort membership is typically a one time investment (e.g. you have to pay the membership fee only once and you can enjoy the benefits of the resort life long), there are typically no annual or yearly maintenance fees or taxes. However, resort memberships can be pricey. You can expect to pay anywhere from a few thousand to a few hundred thousand dollars depending on the resort or hotel. But if you put in the time to research the resorts offering memberships, you will find some within your budget range. Also make sure you read the fine print on the paperwork because some resort memberships may have yearly fee and you certainly do not want to be surprised by anything. Some resorts will offer lifetime memberships for a few thousand dollars or even a limited five year membership for less. Resort memberships not only include the resort where you bought your membership but the ENTIRE network of resorts that company offers around the world, and there typically is no limit on the number of times that you can visit these resorts.<br><br>Yet another new concept that is gaining ground in the vacation industry is one that allows people to own their own condo within a hotel. This concept has been well received so far and is gaining popularity within the popular vacation destination areas like Las Vegas and Macau. This concept allows people to buy a condo (e.g. room) within the hotel and allow the purchaser to take advantage of all of the amenities within the hotel. If the condo owner is not utilizing the condo, the owner can put the condo up for rent receive a percentage of the money that the condo generates. When comparing a hotel condo with a timeshare, the hotel condo typically offers better furniture, better amenities, better services, and better experiences.<bio>For more information about <a href="http://www.timeshareinformationsite.com" target=_blank>timeshares</a> and how to get the most out of your timeshare investment - visit our site <a href="http://www.timeshareinformationsite.com" target=_blank>TimeshareInformationSite.com</a></bio>]]></content:encoded>
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				<title>Fast Payday Cash Advance Might Help You Out Between Paydays</title>
		<link>http://www.artwoo.com/article/fast-payday-cash-advance-might-help-you-out-between-paydays</link>
		<comments>http://www.artwoo.com/article/fast-payday-cash-advance-might-help-you-out-between-paydays#comments</comments>
				<pubDate>Sun, 17 Sep 2006 12:27:23 +0000</pubDate>
		<category>payday cash advance</category><category>advance money</category><category>amount of money</category><category>hot tip</category><category>hot water</category><category>grateful people</category><category>fortunately</category>		<guid>http://www.artwoo.com/article/fast-payday-cash-advance-might-help-you-out-between-paydays</guid>
		<description><![CDATA[If you're anything like I was, you'll know that you find yourself strapped for cash fairly often, sometimes with no foreseeable way out. Sometimes, a fast payday cash advance solution can quickly solve all your problems. Now I know your thinking that you've seen the ads and you know they're a scam,]]></description>
    <content:encoded><![CDATA[If you're anything like I was, you'll know that you find yourself strapped for cash fairly often, sometimes with no foreseeable way out. Sometimes, a fast <a href="http://www.artwoo.com/tag/payday+cash+advance" rel="tag">payday cash advance</a> solution can quickly solve all your problems. Now I know your thinking that you've seen the ads and you know they're a scam, and yeah I'll agree that they charge far more interest than they should. Well, let me tell you this. There are loads of people who needed money badly, and were saved by a fast payday cash advance at the last minute. I know this because once upon a time -- and this may come as a surprise -- I was one of those <a href="http://www.artwoo.com/tag/grateful+people" rel="tag">grateful people</a>. <br /><br /> Yes I know that now I am comfortablt and prosperous, and don't want anything, but things were not always the same. There was a period in my life when I was on the poverty line without a possession to my name. It got so bad, the banks were considering repossessing my house and car, which would have meant I couldn't have even got to work. I needed money and I needed it urgently. So, I decided to get a few dollars quickly in a fast payday cash advance. <br /><br /> When I say a few dollars, I actually mean a few thousand. It's really strange having that <a href="http://www.artwoo.com/tag/amount+of+money" rel="tag">amount of money</a> in your hands and knowing you can't spend any of it, especially when you're not used to having anything. It was all earmarked for important expenses and debt repayments, apart from a grand left over at the end. I received a <a href="http://www.artwoo.com/tag/hot+tip" rel="tag">hot tip</a> from one of my closest friends who was about to take his dot com company public, and wanted to know if I wanted to some stock. Sure, it was a risk and if I'd lost my fast payday cash <a href="http://www.artwoo.com/tag/advance+money" rel="tag">advance money</a>, I would be in real <a href="http://www.artwoo.com/tag/hot+water" rel="tag">hot water</a>. I'd have nothing to pay back my numerous loans and I'd have been in a worse position than ever before. But when you're that low, you feel like there's nothing to lose, and so I decided to take the plunge and go for it, and used those fast payday cash advance dollars to buy the stocks. <a href="http://www.artwoo.com/tag/fortunately" rel="tag">Fortunately</a>, I made the correct decision and the risk paid off. <br /><br /> Literally overnight, my one thousand dollars turned into tens of thousands. Although I was not overly rich, I had enough to get back on my feet because I risked that fast payday cash advance money. I even had some money left to invest in my own business, and I have never looked back. <br /><br /> So let that be a lesson. The moral of my story is that, yes, these schemes charge high rates of interest, but it's important not to rule out a fast payday cash advance. In times of trouble, it could just save your butt like it saved mine.   <bio>If you would still like read more information about pay day loans, credit reports and loans take the time to visit our website and read some articles at <a href="http://www.makemoneyplans.com/" >http://www.makemoneyplans.com/</a> </bio>]]></content:encoded>
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				<title>Defining the Limits of Your Mortgage Capability</title>
		<link>http://www.artwoo.com/article/defining-the-limits-of-your-mortgage-capability</link>
		<comments>http://www.artwoo.com/article/defining-the-limits-of-your-mortgage-capability#comments</comments>
				<pubDate>Thu, 04 Sep 2008 20:22:23 +0000</pubDate>
		<category>debt to income ratio</category><category>prospective homeowners</category><category>prospective homeowner</category><category>mortgage lenders</category><category>own mortgage</category><category>fifty per cent</category><category>exciting activities</category>		<guid>http://www.artwoo.com/article/defining-the-limits-of-your-mortgage-capability</guid>
		<description><![CDATA[Getting your very own home is one of the most exciting activities that you may want to indulge in. However, people should seriously analyze and define the limits of their mortgage capability before they actually decide to buy a house of their own.The General GuidelineAccording to real estate agents]]></description>
    <content:encoded><![CDATA[Getting your very own home is one of the most <a href="http://www.artwoo.com/tag/exciting+activities" rel="tag">exciting activities</a> that you may want to indulge in. However, people should seriously analyze and define the limits of their mortgage capability before they actually decide to buy a house of their own.<br><br>The General Guideline<br><br>According to real estate agents and experts, <a href="http://www.artwoo.com/tag/prospective+homeowners" rel="tag"><a href="http://www.artwoo.com/tag/prospective+homeowner" rel="tag">prospective homeowner</a>s</a> are capable of getting and paying for a property that costs two hundred and <a href="http://www.artwoo.com/tag/fifty+per+cent" rel="tag">fifty per cent</a> (250%) of their annual income.<br><br>Following this guideline, a person who earns five thousand dollars ($5,000.00) every month can earn sixty thousand dollars ($600,000.00) a year. Therefore, he can eventually afford a house that costs as much as a hundred and fifty thousand dollars ($150,000.00).<br><br>However, this guideline is only a primary consideration. People should consider other factors before actually getting their <a href="http://www.artwoo.com/tag/own+mortgage" rel="tag">own mortgage</a>. Other than the general guideline, prospective homeowners should first consult their <a href="http://www.artwoo.com/tag/mortgage+lenders" rel="tag">mortgage lenders</a>.<br><br>The Lender's Point-of-View<br><br>If you are a prospective homeowner, you should seriously consider the advice of your mortgage lender before choosing a home. Basically, the lender applies real estate formulas in computing for your mortgage capability.<br><br>Front-End Ratio<br><br>The front-end ratio refers to the percentage of your annual gross income that you can dedicate for your monthly house payment. This will be based on the PITI (Principal, Interest, Taxes, and Insurance) and your monthly income. <br><br>Note that mortgage payment is composed of four factors: The principal amount of the house, the interest rate, the taxes, and the house insurance. In general, if the PITI will not exceed twenty eight per cent (28%) of your annual gross income, then you will not be house poor. However, some mortgage lenders will still consider a PITI rate of thirty (30%) or forty per cent (40%).<br><br>Back-End Ratio<br><br>This is another name for your debt-to-income ratio. This means that your lender will examine your monthly gross income in relation to your debts, which appear in your actual credit report. Debts that will be taken into account are your credit card payments, utility expenses, outstanding loans, child support, and your prospective mortgage. <br><br>The general rule is that your debt payments should not exceed thirty six per cent (36%) of your monthly gross income. To simply calculate for this ratio, you will have to multiply your monthly gross income by 0.36. That means that if you earn five thousand dollars ($5,000.00) a month, your debt payments should not exceed one thousand eight hundred dollars ($1,800.00).<br><br>Down Payment<br><br>For every home that you are planning to purchase, you will have to prepare a down payment first. The usual rate for the down payment is between twenty (20%) and thirty per cent (30%) of the actual price of the home. <br><br>The higher the down payment that you can provide, the lower the house insurance fees become. Also, the amount of the down payment will eventually affect your front-end and back-end ratios because it affects the monthly house payment that you are going to make.<br><br>Basically, the greater the amount of down payment that you can provide, the more credit-worthy you become. As such, you can get more expensive homes and lesser interest rates for mortgages. However, if you have a very high credit score, some mortgage lenders will actually offer you one hundred per cent (100%) financing mortgage. This means that you will not have to prepare for down payments.<bio>Real Claims and Consumer Credit Claims are a group of solicitors dedicated to <a href="http://www.realclaims.co.uk/">miss sold loans</a> and <a href="http://www.consumer-credit-claims.co.uk/payment-protection-insurance-claims">payment protection insurance</a>.</bio>]]></content:encoded>
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