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	<title>Personal Finance – Humankindnessfoundation.com</title>
	
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	<description>personal finance, advice, tips, tools, calculators, stocks, mutual funds, investing, college savings, 529, retirement, 401k, autos, mortgage</description>
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		<title>Getting the Best Return on Investment for your Fundraiser</title>
		<link>http://www.humankindnessfoundation.com/getting-the-best-return-on-investment-for-your-fundraiser.html</link>
		<comments>http://www.humankindnessfoundation.com/getting-the-best-return-on-investment-for-your-fundraiser.html#comments</comments>
		<pubDate>Thu, 23 Feb 2012 04:23:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Fundraising]]></category>
		<category><![CDATA[fundraiser]]></category>
		<category><![CDATA[fundraisers]]></category>
		<category><![CDATA[fundraising]]></category>
		<category><![CDATA[fundraising ideas]]></category>
		<category><![CDATA[Non Profit Fundraising]]></category>
		<category><![CDATA[PTA fundraiser]]></category>
		<category><![CDATA[school fundraiser]]></category>
		<category><![CDATA[school fundraising]]></category>
		<category><![CDATA[youth fundraiser]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=310</guid>
		<description><![CDATA[Return On Investment (ROI) is a fundamental business concept. Its also something that every fundraiser needs to take into consideration. A business investment consists of working capital, physical assets, and peoples time. ROI is the net gain that results from a business spending money and utilizing physical assets, along with the expenditure of employees&#8217; time, [...]<p><a href="http://www.humankindnessfoundation.com/getting-the-best-return-on-investment-for-your-fundraiser.html">Getting the Best Return on Investment for your Fundraiser</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Return On Investment (ROI) is a fundamental business concept. Its also something that every fundraiser needs to take into consideration.</p>
<p>A business investment consists of working capital, physical assets, and peoples time.</p>
<p>ROI is the net gain that results from a business spending money and utilizing physical assets, along with the expenditure of employees&#8217; time, in an effort to produce tangible profits.</p>
<p>So, the investment in a fundraiser consists of: any up-front expenditures that are required the costs associated with the assets that are utilized the value of people&#8217;s time spent fundraising</p>
<p>Some key points about ROI in fundraising:</p>
<p>1- Analyze your up-front expenditures vs. your net gain<br />
2- Lowering costs boosts your ROI, but maybe not your net<br />
3- Always consider the hourly value of each volunteers time</p>
<p>Put an ROI value on upfront expenditures<br />
The most important point is to analyze all of your up-front spending versus the net gain from each expenditure. Obviously, don&#8217;t spend money if nothing is actually gained.</p>
<p>One example would be evaluating advertising expenses for a capital campaign. Before you commit to it, run a small series of test ads to determine the response rate.</p>
<p>If you don&#8217;t get the desired response, either revise your ad campaign or consider not spending any more money on advertising.</p>
<p>Look for areas where the returns are greatly magnified for every dollar spent. This generally includes effective publicity, quality communication, targeted prospect lists, and timely reminder campaigns.</p>
<p>Put an ROI value on cost reduction vs. net profits<br />
Lowering costs boosts your ROI measurement, but your net can be impacted by the lack of investment. If there is an area where money spent in the past produced excellent results, then be sure that this year&#8217;s plan provides additional investment capital for that effort.</p>
<p>A good example involves possibly cutting the funding for your capital campaign mailing. Sure, you can cut your expenses by not mailing to anyone that didn&#8217;t respond last year.</p>
<p>However, the law of large numbers will catch up to you. Less people contacted means less money contributed.</p>
<p>Remember, it doesn&#8217;t always take money to make money, but not spending money where it is really needed can seriously impact your results.</p>
<p>Put an ROI value on your fundraising volunteers time Another important ROI point to remember is the value of each volunteer&#8217;s time. Each volunteer-hour worked to raise money for your fundraiser should at least be equivalent to minimum wage. Otherwise, your group is wasting their time by not working smart.</p>
<p>An example would be spending a total of 1,000 volunteer hours coordinating an auction event that only raised $5,000. Chances are that many groups would be happy with the $5,000 net, but the ROI on everyone&#8217;s time was marginal.</p>
<p>Put an ROI value on your merchant partners<br />
In this instance, you want to maximize the value of everyones time by giving them specific tasks and full instructions. Don&#8217;t take a scattershot approach by going all the area merchants and asking for donations of merchandise.</p>
<p>Instead, develop rapport with those merchants by providing value for them all year long before you ask them for a large donation.<br />
<span id="more-310"></span><br />
Ways to improve your fundraising ROI<br />
Focus your efforts where you&#8217;ll get positive responses and avoid wasting your time on unproductive endeavors.</p>
<p>Each person who helps out in a fundraiser is offering their time in exchange for something that benefits everyone.</p>
<p>Give them specific assignments that focus on maximum results. Don&#8217;t waste people&#8217;s time or you will discourage future participation.</p>
<p>Why your fundraising ROI is important<br />
Watch your ROI. It&#8217;s a good indicator of the health of your non-profit organization. If the number is too low, your group will be constantly recruiting people to replace those who aren&#8217;t interested anymore.</p>
<p>Your donors and volunteers won&#8217;t return because their time wasn&#8217;t valued, they saw their money being wasted, and they also saw penny-pinching where open purse strings would have been a better solution.</p>
<p>Design your organization to maximize your fundraising ROI and you&#8217;ll position your group for success for many years to come.</p>
<p><a href="http://www.humankindnessfoundation.com/getting-the-best-return-on-investment-for-your-fundraiser.html">Getting the Best Return on Investment for your Fundraiser</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>A Good Manager of Your Debt: Unsecured Debt Consolidation Loan</title>
		<link>http://www.humankindnessfoundation.com/a-good-manager-of-your-debt-unsecured-debt-consolidation-loan.html</link>
		<comments>http://www.humankindnessfoundation.com/a-good-manager-of-your-debt-unsecured-debt-consolidation-loan.html#comments</comments>
		<pubDate>Tue, 21 Feb 2012 00:08:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Bad credit Unsecured loans]]></category>
		<category><![CDATA[Unsecured Debt Consolidation loans]]></category>
		<category><![CDATA[Unsecured loans]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=307</guid>
		<description><![CDATA[The efficiency of a good manager lies in the way he manages things. Managing things does not restrict to management decisions, but it has a long way to go. It includes managing any work in a given circumstances in the best possible and cheapest way. Debt consolidation in simple terms means managing the debts of [...]<p><a href="http://www.humankindnessfoundation.com/a-good-manager-of-your-debt-unsecured-debt-consolidation-loan.html">A Good Manager of Your Debt: Unsecured Debt Consolidation Loan</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>The efficiency of a good manager lies in the way he manages things. Managing things does not restrict to management decisions, but it has a long way to go. It includes managing any work in a given circumstances in the best possible and cheapest way.</p>
<p>Debt consolidation in simple terms means managing the debts of a person. Or in other words it implies merging up all your debts through single manageable loans. The loan always doesnt mean that the person is required to keep any security as collateral. There is also another way to get a loan. A way without collateral, technically it can be termed as unsecured loan. Thus, we can say, managing debts through a single loan and without collateral placed is unsecured debt consolidation loan.</p>
<p>Unsecured debt consolidation loan is the best option for the tenants and for homeowners who do not want to undertake any risk on their property. Although providing a security doesnt necessarily results in guaranteed debt consolidation loan. Before lending a loan the lender goes for a check on the credit history of the borrower. So, whether the person goes for a secured loan or unsecured loan the credit history plays a crucial role in it. But it doesnt mean the person with poor credit history will not able to get the loan. It may be possible but he can find some difficulties in applying for the loan as compared to the person with good credit history. These difficulties come in the form of higher rate of interest. Lenders also consider the ability of a person to pay back the loan.<br />
<span id="more-307"></span><br />
Myth regarding unsecured debt consolidation loan:</p>
<p> Firstly, it charges a very high rate of interest. The rate of interest is not high but they are higher than those of secured loan as risk is involved. So the lender compensates this risk by way of charging high rate of interest.</p>
<p> Secondly, the unsecured debt consolidation loan reduces the payment. In fact the actual amount of debt is not reduced; the reduction lies in the rate of interest.</p>
<p>Getting a loan through unsecured debt consolidation saves time and money as it does not involve much paper formalities.</p>
<p>Thus, unsecured debt consolidation loan helps you to waive your. It is the safest and easiest mode to manage your debts by way of loan though you are not a homeowner. It brings an end to your anxiety which might be bothering you at the end of each month. Then what are you waiting for let the debt manager do his work.</p>
<p><a href="http://www.humankindnessfoundation.com/a-good-manager-of-your-debt-unsecured-debt-consolidation-loan.html">A Good Manager of Your Debt: Unsecured Debt Consolidation Loan</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>Learn More About Debt Management So That You Can Finally Gain The Financial Freedom You Deserve</title>
		<link>http://www.humankindnessfoundation.com/learn-more-about-debt-management-so-that-you-can-finally-gain-the-financial-freedom-you-deserve.html</link>
		<comments>http://www.humankindnessfoundation.com/learn-more-about-debt-management-so-that-you-can-finally-gain-the-financial-freedom-you-deserve.html#comments</comments>
		<pubDate>Sun, 19 Feb 2012 18:56:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Learn More About Debt Management So That You Can Finally Gain The Financial Freedom You Deserve]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=304</guid>
		<description><![CDATA[Debt management is something that can be very beneficial to everyone of you out there that seems to be struggling with managing your finances, which far too many of us know plenty about right. Throughout this article I want to discuss with you some important information about debt management that will hopefully be quite helpful [...]<p><a href="http://www.humankindnessfoundation.com/learn-more-about-debt-management-so-that-you-can-finally-gain-the-financial-freedom-you-deserve.html">Learn More About Debt Management So That You Can Finally Gain The Financial Freedom You Deserve</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Debt management is something that can be very beneficial to everyone of you out there that seems to be struggling with managing your finances, which far too many of us know plenty about right. Throughout this article I want to discuss with you some important information about debt management that will hopefully be quite helpful to you all and will help to get you back on the financial path that you need to be on.</p>
<p>Debt management can totally change your way of thinking and spending, whenever it comes to knowing exactly what kind of corners need to be cut and everything else in your life that could be changed to potentially help you out financially. Managing your finances properly can completely turn your life around and send you into a great big spiral of financial freedom, which so many of us only dream about our entire lives and normally never get to actually experience.</p>
<p>There are plenty of good and most helpful books on the internet where you could find out all there is to know about debt management and different helpful tips that could guide you in the right direction, when it comes to learning how to save your hard earned money for your future and the future of your children. Learning and growing as a person can truly benefit every single aspect of your life and get you set up for an incredible journey, a journey free from unnecessary stress that is caused due to too much debt.<br />
<span id="more-304"></span><br />
Debt management can make all the difference in the world whenever it comes to your future financial freedom and knowing how to live much more by your means than ever before in your lifetime. You will finally have the opportunity to see and experience what it feels like to have the ability to sleep better at night because of knowing that your bills are going to be paid on time and you might actually even be able to save yourself and your family some extra money each and every month.</p>
<p>Having extra money is definitely a very nice change, especially whenever your used to having to always struggle, thinking to yourself that $20 is a great deal of money. It is so difficult to never have any money so that you and your family can go out and have a good time but if you learn better debt management, that opportunity might actually become a reality for you, over a period of time and patience.</p>
<p>Once you learn more about debt management, whether it is you gaining your knowledge from books, the internet or even from a professional, your life is going to take a turn for the better and you are going to finally know what it feels like to live a fun filled life, without all of the strain and struggles from piling up debts that can never possibly be paid on time or even paid at all.</p>
<p><a href="http://www.humankindnessfoundation.com/learn-more-about-debt-management-so-that-you-can-finally-gain-the-financial-freedom-you-deserve.html">Learn More About Debt Management So That You Can Finally Gain The Financial Freedom You Deserve</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>What’s So Important About Payday Loans Finally?</title>
		<link>http://www.humankindnessfoundation.com/whats-so-important-about-payday-loans-finally.html</link>
		<comments>http://www.humankindnessfoundation.com/whats-so-important-about-payday-loans-finally.html#comments</comments>
		<pubDate>Fri, 17 Feb 2012 19:42:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=301</guid>
		<description><![CDATA[Sometimes citizens usually took cash from their chiefs and pay it back after their forthcoming paycheck, not comprehending the profits of no teletrack payday loans UK. When you meet the necessity to receive payday loan be confident you correspond to definite company&#8217;s requirements. Payday loans can be rather helpful when consumers require getting wherewithal at [...]<p><a href="http://www.humankindnessfoundation.com/whats-so-important-about-payday-loans-finally.html">What&#8217;s So Important About Payday Loans Finally?</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Sometimes citizens usually took cash from their chiefs and pay it back after their forthcoming paycheck, not comprehending the profits of no teletrack <a href="http://365paydayloans.co.uk/" target="_blank">payday loans UK</a>. When you meet the necessity to receive payday loan be confident you correspond to definite company&#8217;s requirements. Payday loans can be rather helpful when consumers require getting wherewithal at once.</p>
<p>Yet only if you suffer a sudden emergency between wages you would see convenience of possessing no teletrack <a href="http://cashcall911.com/" target="_blank">quick online payday loans</a> to help you out. For more inhabitants, they offer an easy and fast way to solve funds flow problem, while preserving their cash difficulties secret. This can be vital to customers that are suffering an ephemeral cash lack, which comes across many people. With payday loans, it is potential to resolute your trouble rapidly and get concentrated on the other spheres that need your notice. Due to the fact you may receive payday loan with the help of your personal computer and Internet admission; you might shun the panic that appears with cash shortage between paychecks.</p>
<p>If you aren&#8217;t competent in the benefits of payday loans, you can inquire what is so significant about them. Certain small companies are made up to facilitate people with their various monetary demands. The whole procedure may be performed on your computer in a matter of minutes and you may possess your additional wherewithal in a matter of hours. For a lot of people that are experiencing a stressful situation, for instance a mechanical trouble with their car or a medical bill, payday loans may become the answer they want, on time.</p>
<p>To start with, payday loans are so simple to obtain online that you just have to correspond with several essential requirements, fill in the simple application form and electronically approve your credit documents. In case you are considering why dwellers would wish to receive payday loans in place of asking their chief or relatives for the funds, you don&#8217;t comprehend the discomposure of that option. It&#8217;s understandable that our speedily progressing environment forces us to react immediately; hence having the ability to receive speedy payday loan cash is a perfect choice. You don&#8217;t need to be anxious embarrassment, yet the other great thing is that no one has to talk over your financial difficulty.</p>
<p><a href="http://www.humankindnessfoundation.com/whats-so-important-about-payday-loans-finally.html">What&#8217;s So Important About Payday Loans Finally?</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>An Introduction To Forex Trading</title>
		<link>http://www.humankindnessfoundation.com/an-introduction-to-forex-trading.html</link>
		<comments>http://www.humankindnessfoundation.com/an-introduction-to-forex-trading.html#comments</comments>
		<pubDate>Fri, 17 Feb 2012 05:51:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currency Trading]]></category>
		<category><![CDATA[currencies]]></category>
		<category><![CDATA[foreign exchange]]></category>
		<category><![CDATA[forex]]></category>
		<category><![CDATA[trading]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=299</guid>
		<description><![CDATA[Most people have heard of trading, like the New York Stock Exchange, and Forex trading isnt far off from that. The difference is, is that Forex trading is the trading of currencies, not stocks. It also has a larger volume than stock and bond markets combined! As with stocks, it is a high-risk investment, but [...]<p><a href="http://www.humankindnessfoundation.com/an-introduction-to-forex-trading.html">An Introduction To Forex Trading</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Most people have heard of trading, like the New York Stock Exchange, and Forex trading isnt far off from that. The difference is, is that Forex trading is the trading of currencies, not stocks. It also has a larger volume than stock and bond markets combined! As with stocks, it is a high-risk investment, but it can also have an extremely high return, easily doubling investments in minutes.</p>
<p>The best part about Forex trading, is that it is done using a margin. That is, you dont need the full amount to buy a currency. A Forex trader can buy $100,000.00 with just $1,000.00. This allows traders to make huge profits with minimal investment. And the Forex market is open to all types of investors, not just big organizations, and banks.</p>
<p>The best place for an investor to start when considering the Forex market, is the Forex community. Research is key to understanding Forex trading. Consulting Forex forums and community boards can be extremely beneficial.</p>
<p>The next thing to do would be to choose a system. A system, is a specially designed method, software, or course developed by professional in Forex trading. There are many systems out there, so research must be dome to make sure the system fits your needs. Before purchasing a system, you should ask them a few questions like, how long have they been in this business, and and if there is a trial version available. Make sure that they have customer testimonials too.<br />
<span id="more-299"></span><br />
By going to Forex forums, and chat rooms, one might be able to find out what system others are using, or what systems are recommended most. Most professional traders believe that having a trading system is an important factor in establishing a stable revenue in the forex market. Systems tell investors when, and what, should be done in each trading situation.</p>
<p>Another thing that an investor will need is a broker, to assist with transactions. Theres a wide variety of brokers, so be prepared with questions about their credentials. Ask them about their leverage, and their spread. As these are both determining factors in how much money the investor can make with each investment. The investor may also choose to handle transactions themselves.</p>
<p>An investor also needs to master analysis, and form a strategy, to get a competitive edge, and improve their odds. They need to learn to recognize the different factors that affect the Forex market. A person has a much better chance of success at trading forex, if they do their research, and know what to look for. And, in conclusion, it doesnt matter if a person is experienced or a beginner in the world of Forex!</p>
<p><a href="http://www.humankindnessfoundation.com/an-introduction-to-forex-trading.html">An Introduction To Forex Trading</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>3 Things To Look For In A Credit Repair Company Online</title>
		<link>http://www.humankindnessfoundation.com/3-things-to-look-for-in-a-credit-repair-company-online.html</link>
		<comments>http://www.humankindnessfoundation.com/3-things-to-look-for-in-a-credit-repair-company-online.html#comments</comments>
		<pubDate>Wed, 15 Feb 2012 05:10:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[poor credit]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=295</guid>
		<description><![CDATA[If it&#8217;s been a while since you&#8217;ve looked at your credit report, you may be surprised to find errors, mistakes, or even a black mark or two. Fortunately, a Credit Repair Company can help you fix those mistakes and erase those black marks. Watch out for scammers, though, and choose a reputable Credit Repair Company [...]<p><a href="http://www.humankindnessfoundation.com/3-things-to-look-for-in-a-credit-repair-company-online.html">3 Things To Look For In A Credit Repair Company Online</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>If it&#8217;s been a while since you&#8217;ve looked at your credit report, you may be surprised to find errors, mistakes, or even a black mark or two. Fortunately, a Credit Repair Company can help you fix those mistakes and erase those black marks. Watch out for scammers, though, and choose a reputable Credit Repair Company with these tips:</p>
<p>Don&#8217;t pay anything up-front</p>
<p>Avoid a Credit Repair Company that wants you to hand over a fee or payment before they meet with you. Reputable companies will first talk to you, assess your credit report and discuss your current situation before asking for any type of payment for their services. An up-front fee is a red flag that the company will probably take your money and run. And no matter what type of charges you may incur, be sure they aren&#8217;t exorbitant. If a Credit Repair Company claims your case will cost thousands of dollars, look for another one.<br />
<span id="more-295"></span><br />
Watch out for &#8220;re-inventors&#8221;</p>
<p>Some companies will tell you that you can wipe your credit slate clean by &#8220;re-inventing&#8221; yourself with a new social security number. But that&#8217;s not true! In most cases, what they plan to do is get you a new credit report by applying for an Employee Identification Number (EIN)&#8211;used by businesses&#8211;which resembles a social security number, and you&#8217;re told to use it as such. But this practice, known as &#8220;file segregation,&#8221; is a scam, and it&#8217;s also illegal! Avoid any Credit Repair Company that suggests this practice.</p>
<p>Look for one that helps you help yourself</p>
<p>A good Credit Repair Company will tell you (for free!) what you can do yourself, such as writing letters to creditors and contacting the credit reporting bureaus about errors. Avoid any Credit Repair Company that encourages you to do anything illegal or unethical&#8211;such as disputing a legitimate charge or fee on your credit report.</p>
<p>Before signing up with any Credit Repair Company, make sure you check with the Better Business Bureau. They&#8217;ll have records of any formal complaints against the company, so you can avoid scammers and rip-off artists.</p>
<p><a href="http://www.humankindnessfoundation.com/3-things-to-look-for-in-a-credit-repair-company-online.html">3 Things To Look For In A Credit Repair Company Online</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>3 Credit Tips That Will Save You Hundreds Each Year</title>
		<link>http://www.humankindnessfoundation.com/3-credit-tips-that-will-save-you-hundreds-each-year.html</link>
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		<pubDate>Mon, 13 Feb 2012 20:36:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Wealth Building]]></category>
		<category><![CDATA[3 Credit Tips That Will Save You Hundreds Each Year]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=293</guid>
		<description><![CDATA[While extremely convenient, credit cards can be a very costly consumer product. Most people dont realize just how expensive carrying around a credit card in your wallet can be. Each year many big spending credit card consumers can throw hundreds or even thousands of dollars out the window using credit cards. Even if youre not [...]<p><a href="http://www.humankindnessfoundation.com/3-credit-tips-that-will-save-you-hundreds-each-year.html">3 Credit Tips That Will Save You Hundreds Each Year</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>While extremely convenient, credit cards can be a very costly consumer product. Most people dont realize just how expensive carrying around a credit card in your wallet can be. Each year many big spending credit card consumers can throw hundreds or even thousands of dollars out the window using credit cards. Even if youre not a big credit card spender, almost anyone can save hundreds of dollars each year with these 3 credit card tips.</p>
<p>Never Pay the Minimum Payment</p>
<p>Your credit card company usually makes sure you know that there is a minimum payment. Even if you owe thousands of dollars, your minimum payment can seem extremely low, sometimes only 3% of your total balance. However, what the credit card companies dont tell you is that if you have a large balance and only pay the minimum payment for the next few years you will cost yourself possibly thousands of dollars in interest costs alone. In fact, that purchase at the record store for $50 over time will double. To avoid paying interest only and never touching the principle make sure you always pay more than just the minimum payment.<br />
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Transfer Your Balance to a Lower Interest Credit Card</p>
<p>Most Americans receive several credit card offers each month and most have some very enticing interest rate offers. For instance, many credit card offers will transfer your existing high interest rate credit card for free to the new card and allow you either zero percent interest for 6 months or a very low interest rate for a specific period of time. If you have a high balance in which you pay hundreds of dollars each year on interest payments, in many cases it is in your best interest to accept these offers and enjoy zero or low interest for the next 6 months to a year.</p>
<p>Use a Debit Card Instead of a Credit Card</p>
<p>Its no surprise that many times we use credit cards out of habit. But why use something that is so expensive when we dont need to. We can easily pay for that meal or fill up our car with gas with our debit card and not pay any interest. Debit cards are just as convenient as credit cards and usually accepted everywhere credit is as well. Use your debit card to avoid high interest fees in the long run and you can literally save hundreds in interest fees each year.</p>
<p><a href="http://www.humankindnessfoundation.com/3-credit-tips-that-will-save-you-hundreds-each-year.html">3 Credit Tips That Will Save You Hundreds Each Year</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>Capital Assets – Gains and Losses for Taxes</title>
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		<pubDate>Sat, 11 Feb 2012 21:23:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[capital]]></category>
		<category><![CDATA[gains]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[losses]]></category>
		<category><![CDATA[tax]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=291</guid>
		<description><![CDATA[Capital is a unique term when it comes to taxes. If it gains value, you pay a tax. If it loses it, you can write at least some of the loss off. Capital Assets Gains and Losses for Taxes Practically everything you own is a capital asset. This is true whether you use it for [...]<p><a href="http://www.humankindnessfoundation.com/capital-assets-%e2%80%93-gains-and-losses-for-taxes.html">Capital Assets – Gains and Losses for Taxes</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Capital is a unique term when it comes to taxes. If it gains value, you pay a tax. If it loses it, you can write at least some of the loss off.</p>
<p>Capital Assets  Gains and Losses for Taxes</p>
<p>Practically everything you own is a capital asset. This is true whether you use it for business purposes or personal use. The internet revenue service is very interested in your capital assets. Why? The IRS likes to tax the full gains while only giving you a small break on any lost value. Specifically, you have to report and pay taxes on gains in value of your capital assets when you sell them. Unfortunately, you only get to claim a loss on capital assets if it is an investment property such as stocks. Doesnt seem fair, but that is how the cookie crumbles these days!</p>
<p>Here are some tax issue highlights on capital assets:</p>
<p>1. Generally, you report gains and losses on capital assets by subtracting the price you purchased it for from the price you sold it for. This calculation is reported to the IRS on Schedule D, which should be attached to your 1040 tax return. Lucky you!<br />
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2. Capital gains and losses are classified as long-term or short-term. The classification breaks down ontad a, how long youve owned the capital asset in question before selling it to someone else. If it has been less than a year, it is a short-term gain or loss. Hold on to it for more than a year and you are looking at a long-term gain or loss when reporting taxes. Each classification requires different tax calculations and you will ultimately pay different amounts of tax.</p>
<p>3. In a bit of good news, you are generally going to pay less tax on a capital asset gain. For the 2005 tax year, the tax rates range from a miserly five percent to a more painfull 28 percent.</p>
<p>4. While the IRS is happy to tax all of your capital gains, it has different views towards losses. You can deduct losses, but only up to $3,000 each year.</p>
<p>We all have capital assets, even if we dont realize it. Unfortunately, the IRS is aware of this, so make sure to report your gains and losses.</p>
<p><a href="http://www.humankindnessfoundation.com/capital-assets-%e2%80%93-gains-and-losses-for-taxes.html">Capital Assets  Gains and Losses for Taxes</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>Are There Any Great, New Mining Stocks Left?</title>
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		<pubDate>Fri, 10 Feb 2012 19:38:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[Alaska]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[coal]]></category>
		<category><![CDATA[coalbed methane]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[gold]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[metals]]></category>
		<category><![CDATA[minerals]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=288</guid>
		<description><![CDATA[Where are the hot and cold spots around the world for resource investors? The stampeding bull market in commodities has investors reaching for new ideas. Highly respected newsletter writer Lawrence Roulston of Resource Opportunities favors Canada, Alaska and China for investing in mining and energy companies. StockInterview: Lets get the cold spots out of the [...]<p><a href="http://www.humankindnessfoundation.com/are-there-any-great-new-mining-stocks-left.html">Are There Any Great, New Mining Stocks Left?</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Where are the hot and cold spots around the world for resource investors? The stampeding bull market in commodities has investors reaching for new ideas. Highly respected newsletter writer Lawrence Roulston of Resource Opportunities favors Canada, Alaska and China for investing in mining and energy companies.</p>
<p>StockInterview: Lets get the cold spots out of the way so investors are forewarned about which countries to avoid.</p>
<p>Lawrence Roulston:<br />
A lot of the (mining) companies that went overseas in decades back are recognizing the political difficulties with dealing in some jurisdictions. These include places like Indonesia, Columbia, and several of the African countries, such as Congo, Sudan and Eritrea. All of those places where there are great geological prospects, but are more and more risky to deal in. I think some of that mining is coming back closer to home, which is right here in Canada.</p>
<p>StockInterview: So Canada is on your favorite countries list?</p>
<p>Lawrence Roulston:<br />
At the very top of the list would be Canada. As of right now, taking into account the geological potential, political situation, infrastructure and all the other issues, I would (highly) rate Canada and British Columbia. They have had decades of work. But for the last decade, there hasnt been very much going on. The companies are just coming back and picking up with whats been going on. Similarly, Ontario, Quebec  tremendous geological potential  and its been kind of ignored for a long time. Canada is now the most important place in the world for diamonds, representing 50 percent on exploration spending for diamonds.</p>
<p>StockInterview: Is there a specific mineral or metal that makes Canada especially appealing?</p>
<p>Lawrence Roulston:<br />
Its the whole gambit. Canada has always been one of the top metal producers, and its coming back to life. Of course, gold is at the top of the list, but also base metals and uranium. The Athabasca Basin in northern Saskatchewan is far and away the most important area to be looking at, geologically. Its currently the biggest source of uranium and contains the highest grade deposit. There are other uranium prospective areas in Canada that are just emerging. The Thelon Basin in the Northwest Territories, north of the Athabasca Basin, is very similar, geologically, to the Athabasca Basin. It had some work done in the 1970s, and its been pretty much ignored until very recently. Going a little further north to Hornby Basin, it is a similar kind of situation. In Labrador, the central mineral belt is just emerging as a very important place to be looking for uranium.</p>
<p>StockInterview: Do you have any favorite companies, which you are following and which have good prospects?</p>
<p>Lawrence Roulston:<br />
NovaGold Resources (TSX: NG; Amex: NG), for example, with the Galore Creek. Its a billion ton deposit with enormous metal content. (Editors Note: Galore Creek has been called one of the largest and highest grade undeveloped porphyry-related gold-silver-copper deposits in North America.)</p>
<p>StockInterview: What is another of your favorite areas, which has gone largely undetected during this bull market?</p>
<p>Lawrence Roulston:<br />
Nevada would be at the top of the list of anywhere in the world to be working and Alaska right behind it. There is huge potential in Alaska. Mining companies have only scratched the surface of exploration up there. Two of the largest metal deposits in the world are in Alaska. These are both discoveries going back decades, but work over the last couple of years has brought them to the point where theyre now recognized as among the largest metal deposits in the world: Donlin Creek, a 25-plus million ounce gold deposit, and the Pebble deposit, held by Northern Dynasty (TSX: NDM). The Pebble deposit is significantly larger than, and of comparable grade to, Ivanhoes (NYSE: IVN) Oyu Tolgoi (copper-gold) deposit in Mongolia. (Editors Note: The Donlin Creek project is a joint venture between NovaGold and Barrick Gold.)</p>
<p>StockInterview: Anywhere else in the world where you can find a great, but still new resource investment opportunity, in light of how hard the commodities bull has been stampeding the past few years?</p>
<p>Lawrence Roulston:<br />
Often the better value to be had, or the better opportunity, is in being a little bit out of step with the crowd. One of the areas offering some outstanding opportunities is China.<br />
China has done a tremendous amount of geological work, over the last few decades, but all from the perspective of finding, and then quickly developing, small deposits. There has been very little effort devoted to taking a bigger picture type look at China. The companies that have been able to take a kind of bigger picture look at China have begun to develop what I think are going to be some pretty spectacular results over time.</p>
<p>StockInterview: Isnt it tough, though, doing business in China?</p>
<p>Lawrence Roulston:<br />
There is still a perception out there that China is a difficult place to do business. Most people from the west walk into China cold and try to do a deal. It would be impossible for them. But, for western companies that are able to team up with groups that are well established within China  so that theyre able to find their way through the system over there  then there are outstanding opportunities. There are mountains of geological information  all in Chinese, of course. Youve got to be able to work within that system and get the information, know how to put the deals together.</p>
<p>StockInterview: What do you mean by knowing how to put the deals together?</p>
<p>Lawrence Roulston:<br />
If I was to go over to China and try to do a deal to get access to a coalbed methane property, I wouldnt have a clue about how to begin. On the other hand, I could walk into the Petroleum Club in Calgary, and meet a half dozen guys and talk to them. I could build on my leads, and probably in a day be talking about a deal. When you go into China, unless you have somebody on your team that can get into the system and deal with the people, because of language issues, cultural issues and just having access to the information and knowing what sort of terms that they might be looking for Its a different culture from every perspective, and not the least of which is a different way of doing business.</p>
<p>StockInterview: In your April issue, you recommended one company, which overcame those hurdles, meets your criteria and already has a coalbed methane deal in China.</p>
<p>Lawrence Roulston:<br />
Pacific Asia China Energy (TSX: PCE) established connections in China. They can draw on their contacts and their network. They can get into see the right people, where they can actually talk seriously about doing deals, and have an enormous leg up over somebody that walked in cold and tried to establish and build contacts and put a deal together. I think it is an absolutely outstanding opportunity that theyve seized on.</p>
<p>StockInterview: There are many coalbed methane opportunities in Alberta. Why look to China?</p>
<p>Lawrence Roulston:<br />
One of the things that makes China interesting is the entry cost to get into a coalbed methane (CBM) play in China is fairly modest. For example, to go to Alberta, or anywhere in the United States, and get access to the exploration rights, or exploitation rights, is enormously expensive. In China, they walked in and, for a fairly modest up-front commitment, obtained a control position in a CBM prospect.</p>
<p>StockInterview: How does Pacific Asia China Energys coalbed methane property in Guizhou, China rate against other coalbed methane plays?</p>
<p>Lawrence Roulston:<br />
I think its an outstanding opportunity. Chinese government agencies have done an enormous amount of work at delineating the coal. To be able to step into that amount of data as a starting point to build up their CBM resource? The bottom line is that theyre not out there looking for coal. They know exactly where the material is, and theyre able to quickly start defining the issues like recoverability. Theyre drilling in order to establish the basic physical parameters of the flow rates and the content within the coal. I think the companies which are able to effectively exploit the CBM technology in China are going to be the pioneers in that area.</p>
<p>StockInterview: To Americans, any business in China might appear to be pioneering, since most of still think of China as a third world country.</p>
<p>Lawrence Roulston:<br />
Ive been to China many times and Ive been to parts of China where most people, as tourists, would never get anywhere near, because I go there to look at mineral exploration projects and mining projects. Ive been to every corner of the country as well as the major cities. What I see happening everywhere I go is a pace of development that Ive never seen anywhere else in my life, anywhere in the world. That is, 1.3 billion people are going from a basically rural farm-based economy to a modern industrial economy at a pace that has just never before been conceived.</p>
<p>StockInterview: How do you quantify that?</p>
<p>Lawrence Roulston:<br />
This is a number that most people wont get, and you wont get until youve been over there and have seen it. There are 300 million people in China that are already well into the middle class. By middle class, I am comparing (the Chinese middle class) to the same absolute standards as we would apply in Canada or the United States in terms of dollars in your bank account, value of your house and your car, and everything else. There are 300 million people that have already achieved that status, which is more than the people at that status in North America. There are another 1 billion people who are busting their butts to get to that level.</p>
<p>StockInterview: But isnt the rest of the worlds rural population just as industrious and ambitious?</p>
<p>Lawrence Roulston:<br />
Ive been in Africa, the Middle East, Asia and Latin America. If you go into any of those areas and you walk into the small towns, a lot of people are sitting around drinking coffee, crying the blues and complaining about how terrible life is. Go into a similar area in China, and the people are out working in the fields. In the middle of winter, theyre fixing up their fences, the dams and terraces, and clearing rocks, removing trees and stuff like that. Its a high level of industry Ive never seen in any other part of the world. So it goes from that ground level right up to the entrepreneurs, and the guys who are building the high rise condominium complexes in Shanghai.</p>
<p>StockInterview: How long will it take before American investors realize the impact China has on the global economy?</p>
<p>Lawrence Roulston:<br />
Its going to happen in a gradual way. I think those that keep their heads buried in the sand are going to get left behind as the world pulls ahead. I would suggest any investor in any company ask the question of the company: Is that company involved in some way in China? There are a lot of North American companies that have a very significant presence in China in terms of doing business over there, of getting established, of selling products or manufacturing products in China.<br />
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StockInterview: Why is China so important with regards to this commodities bull market, and are there still opportunities for investors?</p>
<p>Lawrence Roulston:<br />
There is a lot of geological potential, and there is the perception that its difficult. Therefore, there isnt yet a big crowd of people over there chasing after deals. The flip side of it is that China and its neighbors in southeast Asia, representing 3 billion people, are going through the modern industrialization process. That is going to continue to create a massive demand for metals for, I believe, a decade or probably even a couple of decades into the future.</p>
<p>StockInterview: And most likely, the U.S. investor is going to be left behind or the last one into the pond?</p>
<p>Lawrence Roulston:<br />
The bottom line is that Americans tend to be more inward focused. The other evening I was having dinner with an oil man from Texas who had spent a lot of time in China. He had seen China first hand and was very bullish. I asked him, How many of your countrymen do you think really get it about China? And he responded, Oh, about five. Then he said, Congress doesnt get it, investors dont get it and the man in the street doesnt get it. Americans just dont understand whats happening over there yet.</p>
<p><a href="http://www.humankindnessfoundation.com/are-there-any-great-new-mining-stocks-left.html">Are There Any Great, New Mining Stocks Left?</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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		<title>6 Key Factors Successful Vacation Rental Owners Always Use</title>
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		<pubDate>Wed, 08 Feb 2012 15:06:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[rental owner tips]]></category>
		<category><![CDATA[successful vacation property]]></category>
		<category><![CDATA[vacation rental]]></category>
		<category><![CDATA[vacations]]></category>

		<guid isPermaLink="false">http://www.humankindnessfoundation.com/?p=286</guid>
		<description><![CDATA[If you are going to spend money advertising your vacation rental property on vacation rental websites, you want to make sure it is a success. Here are 6 things you can practice which will help ensure you receive the most &#8220;bang for the buck&#8221;. 1. SET RENTAL RATES APPROPRIATELY &#8211; If you want your vacation [...]<p><a href="http://www.humankindnessfoundation.com/6-key-factors-successful-vacation-rental-owners-always-use.html">6 Key Factors Successful Vacation Rental Owners Always Use</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance – Humankindnessfoundation.com</a></p>
]]></description>
			<content:encoded><![CDATA[<p>If you are going to spend money advertising your vacation rental property on vacation rental websites, you want to make sure it is a success. Here are 6 things you can practice which will help ensure you receive the most &#8220;bang for the buck&#8221;.</p>
<p>1. SET RENTAL RATES APPROPRIATELY &#8211; If you want your vacation property to rent, you must be realistic, optomistic, but not greedy! Set realistic rental rates for your property and ensure that the rates are correct on the site(s) your listing and regularly reviewed as the market changes. Search for comparable properties (&#8220;comps&#8221;) in the same location as yours. Only charge a premium if your property has some distinct features. And, be willing to discount your property on occassion as needed. In this business, if you lose money for a week long rental, you can&#8217;t make that up!</p>
<p>2. CHECK E-MAIL REGULARLY &#8211; When using an internet vacation rental property website such as http://Rentals2Remember.com or http://eVaca.com, remember your users. They are typically Internet &#8220;savvy&#8221; and probably check their e-mails frequently&#8230;especially if they have requested some info. Also, be sure your phone number is listed on sites that allow you to as sometimes people choose to just call you directly, so be sure to check phone messages.</p>
<p>3. RESPOND IMMEDIATELY &#8211; Vacation goers usually see a few properties that are of interest to them and then contact those owners. The faster you respond, the better chance (most of the time) you have of winning them over. There have been times I have rented properties in the past and because it took an owner 24 hours to respond, I had already chosen another property. A timely and efficient response gives the renter confidence that the rental experience will follow suit.<br />
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4. YOUR LISTING SHOULD BE ACCURATE AND COMPLETE &#8211; Be sure that your listing details are kept up to date and are complete. Review your online listing frequently to be sure that your contact information are up-to-date. Also, be sure that it is accurate on the description of your property and its amenities. This will help you with repeat customers, but will also keep you out of trouble with rental contracts or laws in regards to such things.</p>
<p>5. GREAT PHOTOS &#8211; It is true what they say, &#8220;a picture speaks a thousand words&#8221;. Remember, renters are considering staying at your rental based (most of the time) solely on your pictures and your word. The more pictures to help them be comfortable with the decision, the better. Here is how I look at it. If you were going to buy a used car, would you do so over the Internet without a good look at the outside/inside of the vehicle, the engine, etc. Not exactly the same, but you get the picture. The more pictures and the prettier, the better. Be sure to have pictures of your rental amenities such as a pool, the beach, a mountain view, the lake or a golf course &#8211; these are top vacation rental sellers!</p>
<p>6. BOOST YOUR EXPOSURE &#8211; There are many &#8220;hot spots&#8221; for vacationers throughout the world. Before we owned property, my family used to head to Destin every year, usually twice. There are thousands of vacation rental properties in the Destin, Panama City Beach area. In areas like this, boost your exposure by getting to the top of your sites search engine. If it costs you $20, $50, even $100 to do so but that gets you one extra rental a year, that makes it more than worth it.</p>
<p><a href="http://www.humankindnessfoundation.com/6-key-factors-successful-vacation-rental-owners-always-use.html">6 Key Factors Successful Vacation Rental Owners Always Use</a> is a post from: <a href="http://www.humankindnessfoundation.com">Personal Finance  Humankindnessfoundation.com</a></p>
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