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	<title>KFE ST Venera Finance And Money Tips</title>
	
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		<title>5 Pitfalls To Avoid When Searching For Your Next Investment Property</title>
		<link>http://www.kfe-stvenera.com/5-pitfalls-to-avoid-when-searching-for-your-next-investment-property.htm</link>
		<comments>http://www.kfe-stvenera.com/5-pitfalls-to-avoid-when-searching-for-your-next-investment-property.htm#comments</comments>
		<pubDate>Sat, 04 Feb 2012 18:51:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment property]]></category>
		<category><![CDATA[property investing]]></category>
		<category><![CDATA[property investment]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=338</guid>
		<description><![CDATA[Finding a bargain investment property on paper is only half of the process of property investment. The other half of real estate investing is going down to the property to examine the real estate investment property physically for defects either in terms of the construction and legal title and other liens that can be on [...]<p><a href="http://www.kfe-stvenera.com/5-pitfalls-to-avoid-when-searching-for-your-next-investment-property.htm">5 Pitfalls To Avoid When Searching For Your Next Investment Property</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Finding a bargain investment property on paper is only half of the process of property investment. The other half of real estate investing is going down to the property to examine the real estate investment property physically for defects either in terms of the construction and legal title and other liens that can be on the property. You do not want to spend lots of legal costs later to undo the bad lemon you bought into. This article will highlight five possible things to consider when searching for your next investment property.</p>
<p>Firstly, unless you find a property that is really run down and you want to tear it down to its foundations, you want to look out for properties that might have potential electrical and water piping problems. The reason why this is critical is that, wiring and water piping is usually hidden behind walls and other furniture fixtures and repairing them can be a very costly affair since you have to hack into the walls and run the piping and wiring if the problem is very serious. If you are new to property investing try to bring a electrical engineer along with you when you are doing some property inspection.</p>
<p>Secondly, foundation problems are usually harder to spot. When walking around the property, look for cracks appearing at the side of the house and the foundation that goes into the ground. Look for large unusual holes found at the side of the property and cracks on the exterior paint of the building. You might want to bring a civil engineer and a contractor along to figure out how much it would cost to fix the property if you suspect the repairs involved will be substantial. You can also bring them along to give a grim estimate to the house owner and bring down the cost of the property.</p>
<p>Thirdly, roofing problems can be a persistent nightmare to you and your potential tenant if you are purchasing the real estate for tenancy purposes. When inspecting the house, look around the ceiling near the windows and around the edges of the walls to look for new paint or yellow spots or cracks with water in them. Most sellers would be smart enough to eliminate the water bubbles after a heavy rain when trying to sell the property, but it is always important to figure out if there is a major leaking roof which might cost you are lot into repairing it. Use this defect to negotiate the price of the property further if you are interested in the property.</p>
<p>Fourthly, another reason why the investment property in question might be a bargain might be because there are legal problems associated with it. Common ones include, multiple owners that cannot agree whether to sell or not. Litigation here would be futile and you should avoid such property once you learn about it.</p>
<p>Another problem might be a lack of clean title. Did you know that the seller can be selling you only the building without the land or maybe there are existing tax liens on your property or some other liens that can prevent you from getting good title to the property? Spending some time chatting with a reliable real estate attorney to learn about common real estate problems in your area can save you lots of legal problems later.<br />
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Fifthly, bankruptcy of your seller or one of the part owners of your real estate may depending on the legal proceedings of your state affect your ability to transfer title quickly. Most states make it a requirement that the receiver of the bankrupt has to agree so pay careful attention to the bankruptcy legislation of your state. That being said, sometimes the banks are willing to sell you at a bargain so as to recover the bad debts quickly so do your homework before purchasing such an investment property.</p>
<p>In conclusion, these five pointers can be used as a starting point for you to evaluate your property investment. Spend some time to think rationally about the properties that you have seen and see if they have any of the above flaws and consider if you want to continue purchasing them and whether the costs that you may incur in fixing them will justify the discount of the property to the market value. Above all, take massive action today and pursue your property investment dreams.</p>
<p><a href="http://www.kfe-stvenera.com/5-pitfalls-to-avoid-when-searching-for-your-next-investment-property.htm">5 Pitfalls To Avoid When Searching For Your Next Investment Property</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>5 Tips to Finding the Right Dental Insurance Company</title>
		<link>http://www.kfe-stvenera.com/5-tips-to-finding-the-right-dental-insurance-company.htm</link>
		<comments>http://www.kfe-stvenera.com/5-tips-to-finding-the-right-dental-insurance-company.htm#comments</comments>
		<pubDate>Thu, 02 Feb 2012 19:33:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Dental Insurance]]></category>
		<category><![CDATA[Dental Insurance Company]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=336</guid>
		<description><![CDATA[With so many dental insurance plans to choose from it can be a daunting task to determine which plan is best for your needs or the needs of your employees. And to note, these needs are extremely important, as the dental care should never be overlooked. There are five tips that may help you discover [...]<p><a href="http://www.kfe-stvenera.com/5-tips-to-finding-the-right-dental-insurance-company.htm">5 Tips to Finding the Right Dental Insurance Company</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>With so many dental insurance plans to choose from it can be a daunting task to determine which plan is best for your needs or the needs of your employees. And to note, these needs are extremely important, as the dental care should never be overlooked. There are five tips that may help you discover which plan is right for you.</p>
<p>1. Consider Online Comparisons &#8211; While a trusted broker can provide you with several options to choose from, an online comparison of companies and dental insurance options can provide a means of insuring the greatest flexibility and price. The available plan types are extremely varied and an online comparison can allow you to see what a plan will and will not be able to do.</p>
<p>2. Price Comparison &#8211; It may be easy to make a quick decision based on a simple query, however, if you are working with a broker there may be other options they can present that may decrease the overall cost. Again by using an online comparison, you may be able to view all options and all price ranges. This information can provide information that can help you select a plan that fits your budget.</p>
<p>3. Benefit Comparison &#8211; There are several questions that you should consider when purchasing a dental insurance plan. Here are a few samples to consider.</p>
<p> Will I be able to select my own dentist?<br />
 Are there select dates and times that a dentist may restrict visits by individuals that are a part of a particular plan?<br />
 Do I need insurance with co-pay?<br />
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4. Determine Personal Needs and Objectives &#8211; No one likes change, but you must ask yourself if certain components in a dental insurance plan are really a need or a want. You should determine what your objective is in obtaining dental insurance. When you understand your motivation and needs youll be better able to select a plan.</p>
<p>5. Understanding the Importance of Coverage &#8211; Once you understand that a dental insurance plan removes the barrier to oral health and that improved oral health is linked to improved physical health, a dental insurance plan begins to make sense.</p>
<p>Like major medical insurance, dental insurance provides a means of managing the rising cost of dental care. In certain cases premiums for dental insurance is tax deductible.</p>
<p><a href="http://www.kfe-stvenera.com/5-tips-to-finding-the-right-dental-insurance-company.htm">5 Tips to Finding the Right Dental Insurance Company</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>Elementary School Fundraisers</title>
		<link>http://www.kfe-stvenera.com/elementary-school-fundraisers.htm</link>
		<comments>http://www.kfe-stvenera.com/elementary-school-fundraisers.htm#comments</comments>
		<pubDate>Mon, 30 Jan 2012 18:07:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Fundraising]]></category>
		<category><![CDATA[elementary school fundraisers]]></category>
		<category><![CDATA[high school athletics fundraisers]]></category>
		<category><![CDATA[high school fundraisers]]></category>
		<category><![CDATA[school fundraisers]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=334</guid>
		<description><![CDATA[Perhaps nothing matches the enthusiasm and zeal of elementary school children. This carries over to elementary school fundraising events where young students strive to complete every assigned fundraising chore with determination and dedication. Teachers and parents participate and guide the children to ensure their hard work is successful and raises a lot of money. Candy [...]<p><a href="http://www.kfe-stvenera.com/elementary-school-fundraisers.htm">Elementary School Fundraisers</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Perhaps nothing matches the enthusiasm and zeal of elementary school children. This carries over to elementary school fundraising events where young students strive to complete every assigned fundraising chore with determination and dedication. Teachers and parents participate and guide the children to ensure their hard work is successful and raises a lot of money.</p>
<p>Candy is a favorite of children, and candy makes a great fundraiser for elementary schools. Gourmet, Hershey, Maredy Candy are a few companies that provide excellent fundraising programs. You can find out more about the companies and the programs on the Internet or by calling the company.</p>
<p>Selling perfumed candles is a traditional way for children to raise school funds and the returns are quite good. Companies offer attractive brochures for customers to browse through and place orders. The company, in turn, gives a percentage back to the school. Avia Candles, Botika Candles, and Christs Light Candles are some of the companies who offer a variety of attractive candles for fundraising.<span id="more-334"></span></p>
<p>Book fairs and carnivals are excellent ways to raise funds for elementary schools. School carnivals could include game booths, talent shows and bake sales. Sporting events with parent/child participation have also proven to be successful fundraisers for elementary schools.</p>
<p>An important point to remember with any elementary school fundraiser is the children participating need close supervision throughout the event  safety comes first above everything else.</p>
<p>One thing to keep in mind is that if elementary students want to fundraise door to door, a parent or guardian should accompany them.</p>
<p><a href="http://www.kfe-stvenera.com/elementary-school-fundraisers.htm">Elementary School Fundraisers</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>5 Benefits of Student loan consolidation</title>
		<link>http://www.kfe-stvenera.com/5-benefits-of-student-loan-consolidation.htm</link>
		<comments>http://www.kfe-stvenera.com/5-benefits-of-student-loan-consolidation.htm#comments</comments>
		<pubDate>Sat, 28 Jan 2012 21:30:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[college student loan]]></category>
		<category><![CDATA[consolidate student loan]]></category>
		<category><![CDATA[federal student loans]]></category>
		<category><![CDATA[student loan consolidation]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=332</guid>
		<description><![CDATA[Are you sick of paying interest on your monthly student loans with no end in sight? Afraid of cash-flow problems that may prevent you from paying your student loans on time? I know I was and there is a solution to this problem. It is called student loan consolidation. What is Student Loan Consolidation? Student [...]<p><a href="http://www.kfe-stvenera.com/5-benefits-of-student-loan-consolidation.htm">5 Benefits of Student loan consolidation</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Are you sick of paying interest on your monthly student loans with no end in sight? Afraid of cash-flow problems that may prevent you from paying your student loans on time? I know I was and there is a solution to this problem. It is called student loan consolidation.</p>
<p>What is Student Loan Consolidation?</p>
<p>Student loan consolidation simply means consolidating all your student loans into a single loan with a monthly payment plan. Effectively, all your previous student loans are written off and a new student loan is created which you have to pay off monthly.</p>
<p>Benefits of Student Loan Consolidation</p>
<p>Here are some of the benefits of student loan consolidation</p>
<p>1. Lower monthly payments</p>
<p>By consolidating all your student loans into one loan, you only need to pay off one loan monthly instead of several student loans monthly. Thus, your monthly payment is lower</p>
<p>2. Pay only one loan monthly instead of several student loans monthly</p>
<p>It is a lot easier if you have to manage only one student loan instead of several student loans with different payment deadlines. Also, sometimes with many student loans, you may ended up forgetting to pay one student loan.</p>
<p>3. Low, fixed interest rate</p>
<p>By consolidating your student loans, you will be able to take advantages of low, fixed interest rates. Currently, by law, student loan consolidation rates cannot exceed 8.25%. Furthermore, national interest rates are at a 40-year low therefore this is a good time to get one.</p>
<p>4. No credit card check or processing fees</p>
<p>No credit card check is required during the application of a student loan consolidation. The payment plans and terms are usually quite flexible in that they can customize it according to your financial standing.<br />
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5. Make monthly student loan payment electronically</p>
<p>While it is not necessary to make payment electronically, most lenders will knock 0.25% off your student loan rates if you make payment electronically. Also, using direct debit from your bank account will prevent you from forgetting to make a payment.</p>
<p>Sometimes it can get quite confusing as to the qualification of applying for a student loan consolidation. The official stand from the government is that students who are still in their grace period or who are still studying in school may qualify for government student loan consolidation</p>
<p>The government student loan consolidation nowadays are quite competitive compared to private sector, therefore I would recommend going for a government student loan consolidation. With so many benefits of getting a student loan consolidation, it is quite obvious to save money in the long run is to get one.</p>
<p><a href="http://www.kfe-stvenera.com/5-benefits-of-student-loan-consolidation.htm">5 Benefits of Student loan consolidation</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>Finding Debt Relief Can Make Your Life Much Less Stressful-Find Out More Now</title>
		<link>http://www.kfe-stvenera.com/finding-debt-relief-can-make-your-life-much-less-stressful-find-out-more-now.htm</link>
		<comments>http://www.kfe-stvenera.com/finding-debt-relief-can-make-your-life-much-less-stressful-find-out-more-now.htm#comments</comments>
		<pubDate>Wed, 25 Jan 2012 07:46:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Finding Debt Relief Can Make Your Life Much Less Stressful-Find Out More Now]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=330</guid>
		<description><![CDATA[Too many families know what it is like to be stressed out to the max because of worrying about all of the unpaid debts. Debt can be the number one reason why any married couple or relationship might end up going badly because sometimes the stress is more than can be handled by everyone. It [...]<p><a href="http://www.kfe-stvenera.com/finding-debt-relief-can-make-your-life-much-less-stressful-find-out-more-now.htm">Finding Debt Relief Can Make Your Life Much Less Stressful-Find Out More Now</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Too many families know what it is like to be stressed out to the max because of worrying about all of the unpaid debts. Debt can be the number one reason why any married couple or relationship might end up going badly because sometimes the stress is more than can be handled by everyone. It is very unfortunate but even good relationships can be damaged or ruined due to debt stress that has increased over a period of time.</p>
<p>Some people choose to clear up their debt through something called, debt consolidation. This is a solution that I am certain many of you have heard a little something about. There are many people who are constantly finding themselves struggling paycheck to paycheck, never seeing the light completely. It can turn into some very serious issues at home and often times even cause depression to set in with many individuals.</p>
<p>Getting the help that you need and doing something positive that will help you to catch up all of your debts can be the answer you have been searching for. Imagine going a week or more, without having to stress out over several unpaid debts that you have obtained. It can happen, with the proper steps being taken. Debt consolidation could be something that would benefit you and your family.</p>
<p>Debt consolidation can make it possible for you to have many of your debts paid monthly in a lump sum payment. As long as you always keep these payments current and never allow yourself to fall behind, no matter what happens, you will eventually start to see the light just a little bit at a time. Once you can start noticing the difference in your financial status, you will begin sleeping better at night and getting through your days, without all that stress that you once had.</p>
<p>After you do start taking care of some of those debts you have collected over time, you will start getting more stuff in your mailbox offering you the opportunity to have your own credit cards, loans, etc. Your credit score will definitely start to improve, as well as your ability to appear much more reliable to any individual out there who might be considering giving you any sort of personal loan or whatever else.<br />
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Being rid of just one debt each month can honestly make a huge difference, when it comes to being better off financially, more so than you have been in a very long time. Get on the internet or go into any local branch in your area, to find out more about debt consolidation, so that you too can hopefully start finding some relief from all of the creditors that keep calling on you and harassing you daily.</p>
<p>Debt is something that most people will have to be concerned over at some point throughout their life and knowing how to find the help that you need to clear up any old debt, is very very important and will make all of the difference in the world, especially when it comes to being a little bit less stressed each and every month that passes you by.</p>
<p><a href="http://www.kfe-stvenera.com/finding-debt-relief-can-make-your-life-much-less-stressful-find-out-more-now.htm">Finding Debt Relief Can Make Your Life Much Less Stressful-Find Out More Now</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>10 Good Reasons why YOU should jump into Trading FOREX</title>
		<link>http://www.kfe-stvenera.com/10-good-reasons-why-you-should-jump-into-trading-forex.htm</link>
		<comments>http://www.kfe-stvenera.com/10-good-reasons-why-you-should-jump-into-trading-forex.htm#comments</comments>
		<pubDate>Fri, 20 Jan 2012 21:42:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currency Trading]]></category>
		<category><![CDATA[4X]]></category>
		<category><![CDATA[currencies]]></category>
		<category><![CDATA[currency trading]]></category>
		<category><![CDATA[day trading]]></category>
		<category><![CDATA[foreign currency]]></category>
		<category><![CDATA[foreign exchange]]></category>
		<category><![CDATA[forex]]></category>
		<category><![CDATA[forex trading]]></category>
		<category><![CDATA[futures]]></category>
		<category><![CDATA[FX]]></category>
		<category><![CDATA[making money online]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[online business]]></category>
		<category><![CDATA[online trading]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=328</guid>
		<description><![CDATA[Foreign Exchange Market is a market where traders buy and sell currencies with the hope of making a profit when the values of the currencies change in their favor. People are making vast amounts of money from Forex trading. The Forex Market has a big potential for everyone, ranging from large corporate firms to ordinary, [...]<p><a href="http://www.kfe-stvenera.com/10-good-reasons-why-you-should-jump-into-trading-forex.htm">10 Good Reasons why YOU should jump into Trading FOREX</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Foreign Exchange Market is a market where traders buy and sell currencies with the hope of making a profit when the values of the currencies change in their favor. People are making vast amounts of money from Forex trading. The Forex Market has a big potential for everyone, ranging from large corporate firms to ordinary, everyday people like you and me.</p>
<p>It is a very exciting trade with a huge money-making potential. Just imagine yourself sitting comfortably in your pajamas at your computer you turn on the internet and make a few quick transactions and by the time that you get up to get a cup of coffee, you are several hundred dollars rich! Would you like that? I would!!</p>
<p>I can hear you say, Wait a minute!! This sounds just like another one of those confusing markets like stocks, options or traditional futures, so what makes this market any different?</p>
<p>Aaah! Good question! So, in answer to your question, here are 10 good (if not great) reasons to enter the Forex Trade:</p>
<p>1. First and foremost, Forex trading allows for small investments. You do not have to be able to invest thousands of dollars to get started with this trade. You can start trading Forex with as little as $300 to $350 and could be well on your way to earning more than that on your first day.</p>
<p>2. The Forex markets are always open! You are able to trade anytime and from anywhere in the world. No waiting for the stock exchange to open. The market is ongoing, with generally only minor breaks on the weekends.</p>
<p>3. The funds that you invest are liquid; you can cash them anytime you want. No waiting for days to get your stocks converted into hard cash.</p>
<p>4. The value of the Forex Trading market is COLOSSAL: it is 30 times larger than all of the US equity markets combined. It is the largest market in the world with daily reported volume of 1.5 to 2.0 trillion dollars. This massive value makes it a lucrative and desirable trade to invest in.</p>
<p>5. It is a highly stable trade and offers greater strength over other markets. Countries and people are ALWAYS going to need currency. Although the value of different currencies goes up and down, the fluctuations are not as dramatic as stock prices and generally follow a predictable trend.</p>
<p>6. You do not have to worry about commissions, exchange fees nor any hidden charges when you trade Forex. Forex brokers make only a small percentage of the bid and there are very respectable and free brokers available as well. Is that not wonderful for you?</p>
<p>7. You make profits no matter which way the currency is going. You will not worry about a falling currency value if you know what to do with it and make good gains.</p>
<p>8. Forex is a very transparent market. Unlike equity markets, where analysts have an unfair advantage over the layman because of their insider knowledge, the relevant information for Forex is equally available to every one through international news. Therefore, all Forex traders are in a position to make pertinent decisions according to the current market situations.<br />
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9. Forex market is extremely quick! It takes not more than 1 to 2 seconds to complete your transactions because it is all done electronically, online and in Real Time.</p>
<p>10. The final good news is that you do not need any formal education, licensing, diploma or degree to trade Forex. All you need is the know-how of how it works, trading strategies and some tips and techniques and you can be on your way to earn big profits.</p>
<p>Forex trading online may be the fastest path to financial freedom and an end to all your financial worries. It truly is an excellent, if not THE best home business opportunity for ordinary people.<br />
You owe it to yourself to give it a try!!!<br />
Prosperity and happiness to all!</p>
<p>***********************************************</p>
<p><a href="http://www.kfe-stvenera.com/10-good-reasons-why-you-should-jump-into-trading-forex.htm">10 Good Reasons why YOU should jump into Trading FOREX</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>0% APR Credit Cards – What You Need to Know</title>
		<link>http://www.kfe-stvenera.com/0-apr-credit-cards-what-you-need-to-know.htm</link>
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		<pubDate>Mon, 16 Jan 2012 21:22:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[0% APR Credit Card]]></category>
		<category><![CDATA[0% APR Credit Cards]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=326</guid>
		<description><![CDATA[0% APR credit cards are an appealing option for frequent shoppers that rely on having a low monthly interest rate when they cannot pay off the entire balance of the credit card in any month. But what you really need to know about 0% APR credit card offers, often times is never discussed. For starters, [...]<p><a href="http://www.kfe-stvenera.com/0-apr-credit-cards-what-you-need-to-know.htm">0% APR Credit Cards &#8211; What You Need to Know</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>0% APR credit cards are an appealing option for frequent shoppers that rely on having a low monthly interest rate when they cannot pay off the entire balance of the credit card in any month. But what you really need to know about 0% APR credit card offers, often times is never discussed.</p>
<p>For starters, the APR is the commonly-used acronym for &#8220;Annual Percentage Rate,&#8221; which is the annual month-to-month rate that you can expect to get for your credit card balance. Naturally, if you frequently carry your credit card balance over from month-to-month, it is important for you to have a low or even 0% APR credit card.</p>
<p>How it Works</p>
<p>Every credit card company makes money when shoppers use the card, but do not pay off the balance at the end of each month. Because the credit card company has lent shoppers money so that they can make their purchases, the credit card company will charge interest on the balance until the entire balance is paid off. The credit card company has the potential to make a generous profit from the balances of their customers each month. Naturally, as a consumer, having a 0% APR credit card means that your balance is carried over from month-to-month without any charges applied.</p>
<p>Beware of High Interest Rates</p>
<p>It may seem like credit cards actually lose money by investing in a 0% APR credit card promotion. However, the 0% APR credit cards actually help credit card companies find customers. For example, if there is a shopper that has a high APR (some are up to 20%) and he or she is having a hard time paying down the balance of the credit card, the purchaser is in an ideal situation to transfer their balance to a 0% APR credit card for a period in which they can focus on working down their debt. The situation is ideal for someone who is in short-term debt. However, to balance the 0% APR credit cards against the credit card company&#8217;s need to make a profit, as soon as a trial period expires, many credit card companies will increase their rates drastically. As a consumer, you need to read the fine print so that you are aware of the deadlines associated with this change-over.<br />
<span id="more-326"></span><br />
Where to Find a 0% APR Credit Card</p>
<p>It may seem harder than it really is to find a 0% APR credit card. It&#8217;s advantageous to find a card that doesn&#8217;t require you to pay a month-to-month rate on the unpaid balance. However, credit card companies frequently enact 0% APR credit card promotional deals, so take a look around for what deals are available to you currently.</p>
<p>0% APR credit cards can make managing your debt very easy. While most of them do not require annual fees, it is important for you to understand what you are agreeing to before you sign a contact with a company. While most 0% APR credit cards eventually increase the rate after a set period of time, the duration of the promotional period varies by company. As with any credit card agreement, a little research and education into the details of a 0% APR credit card can go a long way towards helping you make a decision that can positively effect your finances. Choose wisely!</p>
<p><a href="http://www.kfe-stvenera.com/0-apr-credit-cards-what-you-need-to-know.htm">0% APR Credit Cards &#8211; What You Need to Know</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>0% APR Balance Transfers Credit Cards: Three Top Choices</title>
		<link>http://www.kfe-stvenera.com/0-apr-balance-transfers-credit-cards-three-top-choices.htm</link>
		<comments>http://www.kfe-stvenera.com/0-apr-balance-transfers-credit-cards-three-top-choices.htm#comments</comments>
		<pubDate>Sat, 14 Jan 2012 20:14:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Wealth Building]]></category>
		<category><![CDATA[0 apr]]></category>
		<category><![CDATA[0% APR Credit Cards]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[balance transfer credit cards]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[credit card]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=324</guid>
		<description><![CDATA[There is a lot of interest in 0% APR Balance Transfer credit cards because of the tremendous savings possibilities they offer. You dont have to be an MIT graduate to understand that the 20% you are paying to a high-interest credit card on a balance of $ 10,000.00 is two grand; and if the interest [...]<p><a href="http://www.kfe-stvenera.com/0-apr-balance-transfers-credit-cards-three-top-choices.htm">0% APR Balance Transfers Credit Cards: Three Top Choices</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>There is a lot of interest in 0% APR Balance Transfer credit cards because of the tremendous savings possibilities they offer. You dont have to be an MIT graduate to understand that the 20% you are paying to a high-interest credit card on a balance of $ 10,000.00 is two grand; and if the interest on your credit card was 0% APR, that money would stay in your pocket. It turns out, however, that not all 0% APR credit cards are the same. Major credit card companies, who are competing fiercely with each other at this moment, use a variety of enhancement programs that combine the idea of 0 % APR Balance Transfers and with other add-on bonuses. Consider the offerings of three of the largest credit card companies, how they are similar in terms of the basics, but are putting a twist on benefits:</p>
<p>The Chase Platinum Credit Card</p>
<p>Chase bank has been in the credit card business for a long time, and this card is their standard offer. It has 0% APR on all purchases and balance transfers, provides free online account access, and does not charge an annual fee. The only question about this card is how long does the 0% APR last; and the answer depends on your credit. If you have excellent credit, Chase will give you 0% APR on purchases and balance transfers for a full year. If your credit is good enough to qualify for the card, but not quite good enough to meet the higher standards, that period of 0% APR drops. Still, the opportunity to transfer balances and make purchases at 0% APR makes Chase a good choice.<br />
<span id="more-324"></span><br />
The Miles Card from Discover</p>
<p>Another industry heavyweight, Discover, has 0% APR credit cards available for purchases and balance transfers. The Miles Card, however, adds the benefit of accumulating airline miles to help consumers choose Discover over everyone else. The company touts their 0% APR credit card for its twelve month duration and the ability to include balance transfers at no interest. The real inducement, however, is the 12,000 mile sign-up bonus and one-mile-for-one-dollar point award. Just to make the deal a little sweeter; there are no blackout dates for these miles and you can fly any airline at any time. You have to have good credit to get one, but the Miles Card from Discover may be a good way to save interest on purchases and balance transfers while building up miles for the next vacation.</p>
<p>Citi Diamond Preferred Rewards Card</p>
<p>This 0% APR credit card from Citi not only gives you 12 months of interest-free funds and no balance transfer charges, it also has a points reward system that gives you redeemable points based on purchases. The program works by offering five reward points for every dollar spent on purchases made at supermarkets, drugstores and gas stations; all other purchases get one point per dollar. You get 5,000 bonus points when you get your card, which can be redeemed for a $ 50.00 gift card after your first purchase. Like the Discover card, you will need good credit to get this 0% APR card, but the initial bonus points and rapid accumulation of reward points for purchases of the basic necessities of life could make this just the card for you.</p>
<p>These days, the question is no longer about finding a 0% APR credit card or a 0% Balance Transfer card; the issue is how would you like that cardwith extra months of interest-free money, airline miles, or other rewards such as incentive point programs? Any person who is currently carrying balances on high-interest credit cards should shop online and take a look at the 0% APR and 0% Balance Transfer credit cards from Chase, Discover, Citi and other companies. You may just find the right card for you.</p>
<p><a href="http://www.kfe-stvenera.com/0-apr-balance-transfers-credit-cards-three-top-choices.htm">0% APR Balance Transfers Credit Cards: Three Top Choices</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>2006 List of Tax Scams Released by IRS</title>
		<link>http://www.kfe-stvenera.com/2006-list-of-tax-scams-released-by-irs.htm</link>
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		<pubDate>Wed, 11 Jan 2012 21:07:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[phishing]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=321</guid>
		<description><![CDATA[Every year, the IRS issues a list of tax scams. The goal is to alert taxpayers to the lack of merit of certain strategies as well as letting everyone know the IRS will not accept them. 2006 Scams The IRS has kicked out its annual list of highly dubious tax scams for 2006. Promoters often [...]<p><a href="http://www.kfe-stvenera.com/2006-list-of-tax-scams-released-by-irs.htm">2006 List of Tax Scams Released by IRS</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Every year, the IRS issues a list of tax scams. The goal is to alert taxpayers to the lack of merit of certain strategies as well as letting everyone know the IRS will not accept them.</p>
<p>2006 Scams</p>
<p>The IRS has kicked out its annual list of highly dubious tax scams for 2006. Promoters often make these strategies sound credible, but they simply arent. If a taxpayer attempts to use one of the scams, the IRS will audit and aggressively attack the taxpayer as well as try to identify the promoter for prosecution.</p>
<p>The 2006 list of scams contains most of the traditional claims. There are, however, three new areas being targeted by the IRS. They and a few others are highlighted in the following list.</p>
<p>Two new schemes have worked their way onto the list in 2006. In recent months IRS personnel have noted the emergence of the two scamszero wages and Form 843 tax abatement in which filers use IRS forms to claim that their tax bills have been wrongly inflated.</p>
<p>Also high on the list in 2006 is phishing, a favorite ploy of identity thieves. Over the past few years, the IRS has observed criminals working through the Internet, posing even as representatives of the IRS itself, with the goal of tricking unsuspecting taxpayers into revealing private information that can be used to steal from their financial accounts.</p>
<p>1. Zero Wages  A new addition to the list, the zero wages scam is designed to create a log jam in the system. A taxpayer is supposed to file a tax return with no wages claimed and notice of challenges to any W-2 or 1099 wage reports. In essence, the idea is to not pay taxes while the IRS tries to figure out what is going on. Ultimately, the goal is to get the IRS to accept a zero income tax return, which of course requires no payment of taxes. <span id="more-321"></span></p>
<p>2. Form 843 Tax Abatement  The tax abatement strategy is very creative. It is typically used for taxpayers who have failed to file taxes for a few years. In such a situation, the IRS will often assess taxes to the individual based on a variety of factors. The strategy is to abate this assessment and pay not tax by challenging the assessed amount as being calculated incorrectly. The IRS says it doesnt fly, but it is a very creative strategy.</p>
<p>3. Identity Theft/Phishing. This isnt so much a tax reduction scam as a nightmare wherein identity thieves try to obtain information from taxpayers by acting as IRS agents. Often they send out email as though they are from the IRS. The IRS never sends emails to taxpayers, so dont respond to these emails. If youre not sure, call the IRS and ask them if there is a problem. You can reach the IRS at 800-829-1040.</p>
<p>4 Credit Repair Companies  You see these companies everywhere. Some are legitimate while others are not. The ones that are not charge high fees and do almost nothing other than putting taxpayers on some kind of a payment plan. The IRS is currently revoking the tax-exempt status of many credit repair companies.</p>
<p>5. Offshore Strategies  A traditional area of angst for the IRS, offshore strategies continue to be closely watched. The IRS is hyper sensitive to such strategies and tries to shut them down. In 2005, 68 individuals were charged and convicted for promotion offshore tax scams and thousands of taxpayers were audited with nightmarish results. If you want to go offshore, make sure you get qualified advice from a tax professional and attorney. Dont buy something off a web site.</p>
<p>There is a fine line between tax evasion and tax avoidance. Tax avoidance is legal while tax evasion is criminal. If you wish to pursue advanced tax planning, make sure you do so with the advice of a tax professional that is going to defend the strategy to the IRS.</p>
<p><a href="http://www.kfe-stvenera.com/2006-list-of-tax-scams-released-by-irs.htm">2006 List of Tax Scams Released by IRS</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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		<title>A Company’s Story Must Carry Impingement Value to Obtain Widespread Publicity</title>
		<link>http://www.kfe-stvenera.com/a-company%e2%80%99s-story-must-carry-impingement-value-to-obtain-widespread-publicity.htm</link>
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		<pubDate>Sun, 08 Jan 2012 22:40:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[articles]]></category>
		<category><![CDATA[CBM]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[coalbed methane]]></category>
		<category><![CDATA[columns]]></category>
		<category><![CDATA[Kazakhstan]]></category>
		<category><![CDATA[magazines]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[media]]></category>
		<category><![CDATA[newspapers]]></category>
		<category><![CDATA[PR]]></category>
		<category><![CDATA[press]]></category>
		<category><![CDATA[Publicity]]></category>
		<category><![CDATA[Russia]]></category>
		<category><![CDATA[television]]></category>
		<category><![CDATA[uranium]]></category>

		<guid isPermaLink="false">http://www.kfe-stvenera.com/?p=317</guid>
		<description><![CDATA[In two previous columns, we talked about how quality management attracts Publicity, or PR. Nearly every company is constantly trying to attract the attention of the media. What brings the media to a companys door? Thats what every public relations man or woman would love to know. For this is what PR people get paid [...]<p><a href="http://www.kfe-stvenera.com/a-company%e2%80%99s-story-must-carry-impingement-value-to-obtain-widespread-publicity.htm">A Company’s Story Must Carry Impingement Value to Obtain Widespread Publicity</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
]]></description>
			<content:encoded><![CDATA[<p>In two previous columns, we talked about how quality management attracts Publicity, or PR. Nearly every company is constantly trying to attract the attention of the media. What brings the media to a companys door? Thats what every public relations man or woman would love to know. For this is what PR people get paid to obtain for their clients.</p>
<p>Quality management is certainly a key motivation in attracting a reporters attention. This helps persuade the reporter or a radio/TV producer that the proposed interview isnt going to be with someone who has nothing to say or just rehashing a clich or tired, old story. The higher the title and the better known a company, the greater the impingement a PR pitch (thats what publicity people use to sell a reporter) impacts upon a member of the media. If someone from the publicity department at Microsoft calls Fortune magazine to ask about profiling Bill Gates, the pitch will have major impingement value. Few names have this kind of clout, either personally or corporately.</p>
<p>In any event, the senior editor of the major magazine will still inquire about the story angle. The editor will want to know, What are we going to talk about? Ultimately, it is the outstanding story that sells magazines or newspapers, not just the big name. Not all such stories involve a big name speaking or spouting his thoughts for the day. Often, better stories evolve when there is a strong newsworthy angle. Lets look at two recent stories  one which involves a uranium company and another one about a coalbed methane (CBM) company, which weve covered in this column.</p>
<p>On Thursday, Pacific Asia China Energy (PACE) was featured in the Financing section of Canadas Globe and Mail newspaper. Headlined High-Energy Performer, the opening sentences told us why the reporter was interested: PACE holds contracts to help China explore for and develop its coalbed methane (CBM) resources  fuel China needs to help satisfy its energy demands.</p>
<p>The big story, which drew the newspaper to Pacific Asia China Energy, was China. PACE piggybacked that story because the company may be helping to offer a legitimate solution to the countrys energy mix. Part of the big story is the possible size of the recoverable gas, estimated in a technical report by Sproule International to be as large as 11.2 trillion cubic feet of gas.</p>
<p>Those two items enhanced the reporters interest in PACE. China needs alternative energy sources, such as CBM, to improve their energy mix  from a near total dependence upon coal. And, PACE has a potentially huge resource, which could last a good number of years. Such a gas resource could be sufficiently large to make an impact on China. After all, China has proven reserves of a little more than 30 trillion cubic feet. Another 11 trillion cubic feet, should the potential be proven up, would represent a significant increase of available gas in a very large country. By itself, this could later develop into a major international energy story, reported upon by a great number of news media. Another impingement about the reporter is having the satisfaction of reporting upon a good story, well before others write the story.</p>
<p>Chatter in the newsroom:<br />
Did you hear about PACEs gas discovery in China, Bob?<br />
Bobs Reply: Oh that one. Yeah, I wrote about it eight months ago!</p>
<p>Therefore, there are multiple impingement points in this story. Each draw, or a reason to attract eyeballs to the story, is another point the story must score, for the reporter and his editor, to overcome the hurdles of being featured in a major publication. China is a draw. The size of the PACE coalbed methane gas resource is a draw. The potential impact upon Chinas energy mix is a draw. Writing about it before the rest of the pack jumps on the bandwagon? Thats a draw, too. In this case, four draws sufficiently attracted media coverage for this small CBM development company.</p>
<p>Sometimes, the timing is just perfect, and the overpowering big story accidentally introduces a lucky guy onto the worlds stage. On the same Thursday, the PACE story was carried in the Globe and Mail, the Chief Executive of a tiny Canadian uranium company impinged on a Russian news service reporter in Hong Kong. Such was the good fortune for Craig Lindsay, a Certified Financial Analyst, who has spent more than 16 years in corporate finance, investment banking and business development, according to the website of Magnum Uranium, for which he now serves as Chief Executive.</p>
<p>While Magnum has a market capitalization of about $15 million, and Lindsay is neither a geologist nor engineer, RIA Novosti news agency touted him as a well-known energy expert. Admittedly, Lindsay gave a great speech at the Hong Kong Club for foreign correspondents. Cleverly, he announced, Uranium may be the next oil, during his speech. As many other industry experts have predicted, Lindsay also forecast uranium may hit $50/pound by the end of the year. So many are now announcing this it is likely to become a self-fulfilling prophesy.</p>
<p>What elevated Lindsays publicity was not what he said in his speech. Most of his commentary has been already been reported in numerous publications, including in our columns. (What reporters really hate is rehashing old news to give someone publicity!) It was to whom Lindsay was speaking, and especially the timing as to when it was said. Here is how Craig Lindsay got his 15 minutes of fame.</p>
<p>About six hours earlier, the very same Russian news agency reported that Russia and Kazakhstan had signed a uranium deal worth $1 billion. The photos of Russian President Vladimir Putin and Kazakh President Nursultan Nazarbayev appeared as the photo op which goes with such really big stories. This was a major event involving two very big names, and among the biggest names and countries in the uranium sector. This was also Russias first contract to import uranium; Kazakhstan is the worlds third largest uranium producer. All of this is big news.</p>
<p>The clever Russian freelance reporter, who attended the Lindsay speech in Hong Kong, probably text-messaged or emailed his editor by Blackberry, tried to piggyback the Russian-Kazak story with his own story. Yes, that is how timing works. As soon as a major event takes place, other journalists rush to piggyback the event with their story. The Russian reporter scored points with his editor and got his story filed (slang for published).</p>
<p>Two cunning gentlemen, the Russian stringer (slang for freelance reporter), and Craig Lindsay (whose name was spelled Kreig Lindsay in the article), both accomplished their purposes. Mr. Lindsay got his company into the worlds spotlight. The Russian stringer got a great story. The reporter threw up a softball question, for which Mr. Lindsay supplied the desired answer.<br />
<span id="more-317"></span><br />
What was the question the reporter asked Lindsay? Thats pretty obvious from what the reporter published in his article. Here is a clip from the Moscow News article:</p>
<p>Foreign investors are ready to invest in Russias uranium industry, if Moscow wants this to happen and establishes a necessary legal base, Lindsay said. I believe that Russia is one of the most promising directions for this kind of investments, it is an undeveloped market, full of opportunities. My company will be the first to come to Russia, if the necessary conditions are created, he added.</p>
<p>Nowhere in Lindsays speech did Magnum Uraniums Chief Executive discuss investing in Russia. However, the reporter NEEDED a good quote. It had to tie-in with investing in Russia for uranium development. Lindsay accommodated. He didnt commit to investing in Russia, but he kept the door open. Magnum Uranium recently announced the acquisition of a 1,080-acre land package in Converse County, Wyoming. The company is also exploring for uranium in both Wyoming and the Athabasca Basin. Its finances are probably already stretched from both exploration and acquisition activities. Magnums market capitalization would probably be insufficient to launch investments into Russia, at this time.</p>
<p>However, Lindsay did a great job getting his company this caliber of publicity. And he got the uranium sector excellent publicity. He capitalized upon an impinging story  a story that did show up on the worlds radar  by correctly supplying an answer the Russian journalist was trying to prod out of him.</p>
<p>This is the essence of how journalists and publicity-seekers work together. If the PR person gives the journalist the story angle he is looking for within the bigger story, chances are it will appear in print. Piggybacking a main event is the most common way to increase ones impingement value to a reporter. And by being a cunning interviewee for his Russian reporter, Craig Lindsay just got Magnum Uranium into this column as well!</p>
<p><a href="http://www.kfe-stvenera.com/a-company%e2%80%99s-story-must-carry-impingement-value-to-obtain-widespread-publicity.htm">A Companys Story Must Carry Impingement Value to Obtain Widespread Publicity</a> is a post from: <a href="http://www.kfe-stvenera.com">KFE ST Venera Finance And Money Tips</a></p>
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