Buying Gold The Logic

Humans have been fascinated by gold for thousands of years, by the way it never tarnishes and by its unique color.



Sadly, gold is useless in engineering terms, except for plating electrical contacts, to ensure they never tarnish and lose their conductivity. The metal is too soft, with too low a tensile strength to be used for much besides necklaces and rings.



As an investment though, gold is a different story altogether. Why do people buy gold? It has zero intrinsic value.



Gold prices fall and rise, according largely to the degree of fear that people have about the future. When war is imminent gold prices soar.



When economic conditions are good, inflation low and employment rate high, gold prices fall. Under these conditions there are investments that are probably going to produce a better return than holding gold bars.



People buy gold because they fear the inflation and catastrophic share price collapse that normally accompanies war and political uncertainty. They buy gold because they think gold will hold its value.



Historically gold holds some value, whereas shares can lose all of their value overnight. However, anyone who buys gold at the high price associated with war will almost certainly lose money, when they sell at a lower price.



Conclusion - buy gold when everyone is saying to invest in the stock market. Sell gold when things are looking grim and there are lots of buyers out there.



If you do buy gold you need to appreciate that this investment has risk. The price of gold may fall. It may be years before you can sell your gold at a profit.



Until recently many countries made it illegal for individuals to hold gold bars or bullion. Individuals could buy gold coins and other items however. The South African Krugerrand was minted to exploit this opportunity and to earn much needed foreign exchange for that country during the years of economic sanctions.



Nowadays you can buy gold, silver and platinum coins in many denominations, including Canadian and US dollars, sterling crowns and sovereigns.

Article Source: http://www.articledashboard.com

Wanda Cortez is a prolific writer, who has a background in the financial and investment industry. Find more information on investment at Buying Gold or Buying Silver

Insider Secrets About Homeloans and Credit

Whether you have excellent credit, good credit or poor credit;
make a great income, middle income or low income; have too much
debt - are self-employed - have a loan with a pre-payment
penalty - or need to rebuild or renew your credit...YOU MUST
TAKE A LOOK AT:

Answers To The Most Frequently Asked Questions About Home Loans
(And the Top Ten Most Common Mistakes That Can Cost You Big
Money)

You, as a homeowner or homebuyer, are about to make a decision
that will effect you immediately and into the future (sometimes
for years to come). By financing a new home or by refinacing an
existing home, you will be joining literally thousands of others
homeowner or homebuyers. You will be faced with one of the most
important financial commitments you will ever undertake. Even
the veteran homeowner faces challenges everytime he or she looks
for a new mortgage. It is amazing how much the mortgage industry
changes even monthly (not to mention yearly).

During the application process, you'll be exposed to perhaps
hundreds of mortgage options (from reputable and not so
reputable mortgage companies). Who do you trust? Who understands
your particular credit, whether it may be excellent, good or
poor? Who would possibly know how to solve your particular
problems..one-on-one? Who is offering you the best mortgage
options? Who has your best interest at heart?

These are critical decisions that thousands of borrowers, both
homeowners and homebuyers have to make each and every day. This
can make finding the perfect mortgage loan for you and your
family (or even an investment property) very difficult. With
each wrong decision you make, you're literally risking the
chance of loosing thousands of dollars (like throwing it right
into the trash) AND making taking a BIG hit on your personal
credit! This may leave you with a financial burden that can
drain you for many months or years to come.

Fortunately, we have the solution you need. We have put together
an absolutely must-have ONLINE REPORT for all borrowers from
excellent, good or poor credit. Homeowners and homebuyers
looking to get the perfect loan or an investor wishing to make
his or her first, second or third investment purchase or
investment refinance. This FREE ONLINE REPORT is NOT limited to
just those who have credit issues, but also will help homeowners
and homebuyers who have too much debt, who are self-employed,
and who have pre-payment penalty loans or who need to renew or
rebuild their credit.

This information will give you the knowledge you need to make
educated decisions throughout your entire loan process. It will
allow you to find and decide on the perfect loan for you and
your family.

So, get yourself a copy of this must-have FREE ONLINE REPORT
now! Use the information to educate and protect yourself. Visit
our website and download your FREE REPORT TODAY!
http://www.mortgagebooksonline.com/

Penny Stock Brokers

Stock brokers play a key role in propelling trading volumes of penny stocks, as in the major stocks. They offer the required market intelligence to inspire confidence in the potential buyers of the penny stocks besides safeguarding their existing clients against any possible market manipulation by the vested interests. So on the one hand, these brokers play a significant role in steering the markets along the intended path of orderliness and discipline to maintain the wider investor confidence. On the other hand, they also bring in dynamism by facilitating transactions undertaken on their account by other investors.

These brokers charge their clients for allowing them to conduct transaction on their accounts. In addition, they also charge for advice provided by them to their clients in undertaking transactions. Clients may be separately charged by these brokers for availing of other services like news letters published by the latter. Alternatively, brokers can also package their services variously to pitch at the different categories of investors.

These brokers also act as a one-stop shop for the buyers and sellers of the penny stocks. Since they maintain all year an updated database of the whole range of penny stocks being traded on the pink sheets, over-the-counter bulleting board (OTCBB), and exchanges, a potential investor can easily make a balanced choice in selection of his penny stocks.

That apart, these brokers are plugged into almost all the possible sources of information on the related companies, they are at vantage point to foresee potential market risks that could otherwise dearly cost gullible investors. So paying a portion of your income made from penny stock trading to these brokers might well be worth it because they can see for you what you may not be able to do yourself normally. That makes for a good investment strategy, not least in penny stocks where risks are generally loaded against an inexperienced buyer.

Penny Stocks provides detailed information on Penny Stock Investing, Penny Stock Research, Penny Stock Resources, Penny Stock Trading and more. Penny Stocks is affiliated with Wise Stock Trades.

Supplement Your Income With Stocks and Shares Trading: 23rd May

All in all i\'m glad I turned the computer off yesterday. It was a fools day for trading. Nobody knew where the market was going in the morning and in the end it dropped significantly.

I tuned back in just before close and the drop astounded me. If I\'d have bought then and sold this morning I\'d have made money but it was 50 / 50. I could just as easily have been out of the money.

And if you ask me, the slight pick up this morning is a result of people betting that it can\'t get much lower and gambling that they\'re near the bottom. I like solid trends and I think waiting until tomorrow is not a bad idea [ok, that doesn\'t signify a solid trend, but at least a little bit more certainty. And remember, we still haven\'t clawed back yesterday\'s losses.

I\'m still keeping my eye on mining: they\'re leading on the way down and on the way up.

But also, even if we have a few days of gains, I think the situation that resulted in the drops isn\'t over. Everyone is spooked and any snippet of bad info could change things. These market conditions imply either two things: a) short trades with close to zero exposure or b) placing really long term bets and not worrying about short term volatility.

Click to read daily comments and keep updated: http://www.wanttosaysomething.com/

**********************************

You are free to reproduce this article as long as no changes are made, the author\'s name is retained and the link to our site URL remains active.

Share my investing experiences at WantToSaySomething.com

Help After Bankruptcy: You Just Need To Know Where To Look

Help after bankruptcy is out there if you know where to look. In this article I am going to talk about help after bankruptcy when it comes to rebuilding your credit.



Let\'s start by looking at some of the free help available after bankruptcy when it comes to rebuilding your credit. There are some excellent online resources available that show you how to rebuild your credit history - and, of course, some you want to stay away from.



What are some good credit rebuilding resources that can help after bankruptcy? The websites of the major credit reporting agencies are a good starting point (Experian, Equifax, and Trans Union). Many offer helpful articles, as well as \question and answer\ sections.



There are also credit rebuilding (or \credit repair\) services that offer people help after bankruptcy for a fee. In addition there is credit repair software on the market that people looking for help after bankruptcy can buy. Some services and software packages are good, but there others you will want to avoid. This is where comparison shopping, research, and common sense (i.e, \if it sounds to good to be true, it usually is\) comes into play.



There are also books you can purchase that show you how to rebuild your credit history - but again, be very selective in which ones you choose. For example, some books out there suggest illegal or, at the very least, highly questionable credit rebuilding techniques - stay away from these. You don\'t want that type of help after bankruptcy!



Ideally, when it comes to rebuilding your credit you want utilize resources that are specifically designed for people who need help after bankruptcy. For example, I wrote After Bankruptcy Credit Solutions exclusively for people who need help after bankruptcy when it comes to credit and loans. Of course, rebuilding credit and increasing your credit score are key parts of the book.



Hopefully, you now know of some free and paid resources that can help after bankruptcy when it comes to rebuilding your credit. Again, take time to research and choose the resource that\'s best for your situation when looking for help after bankruptcy.



Copyright 2006 Innovative Solutions Publishing, Inc. All rights reserved.



The company and product/service names referenced in this article are the trademarks, registered trademarks or service marks of their respective owners. None of the owners have sponsored or endorsed this article.



DISCLAIMER:



This information is designed to provide only a general overview of the subject matter herein.



This information is provided with the understanding that neither the publisher nor author is engaged in rendering legal, accounting or other professional advice. If legal or other expert assistance is required, the services of a professional should be sought.



Neither the publisher nor author shall be liable for any loss or damages, including but not limited to special, consequential, incidental or other damages, caused by the information contained herein.

Article Source: http://www.articledashboard.com

R. Lawrence Anderson is author of After Bankruptcy Credit Solutions, which shows individuals how to qualify for credit and loans after bankruptcy. For details visit: www.bankruptcy-credit-solutions.com

What Should You Know Before You Take Out A Loan: Five Factors to Keep in Mind

If you have reached a point in your life at which you want to take out a loan for a car, for education or to purchase a home, you will want to seriously consider what should you know before you take out different kinds of loans. Indeed, there are a number of factors you need to take into consideration when it comes to what should you know before you take out one or another of the different types of loans that are available today. This is particularly relevant to students who haven\'t taken out a loan before.

1. When it comes to what should you know before taking out loans, the very first factor that you need to keep in mind is what you can afford in the way of different loans. In many, many instances, people obtain a loan or loans that stretch their budgets to the breaking point. Too often, a person seeking a loan or loans views a loan or loans as something akin to free money. But, in the final analysis, a loan is expensive money -- and too much debt can end up causing you to end up in a financial crisis.

2. In considering what you need to know before you take out a loan, you need to be well aware of your credit history and credit score. By understanding your credit history and knowing what your credit score is when you are interested in finding a loan, you will have a better idea of what type of financing you will be able to obtain. For example, if you have a good credit history and a high enough credit score, you will be able to obtain financing from a traditional lender at the lowest possible interest rate on almost all loans. On the other hand, if your credit history is a bit rocky and your credit score is at the lower end of the range or scale, you will want to consider the services of those lending institutions that cater to people with problems associated with their credit history.

3. Another of the factors pertaining to what you need to undertake before you take out loans is to make certain that you connect with a reputable lender. In this regard, you need to do your homework. You need to obtain independent evaluations and information about the different lending institutions that you are considering for financing. Unfortunately, in this day and age there are an ever growing number of disreputable operators when it comes to the lending business. Therefore, you need to take every precaution to make sure that you end up with the most reputable and reliable lender possible.

4. In looking at what you should know and understand before obtaining loans, when you begin to narrow down potential lenders, you need to consider what these lenders offer in the way of interest rates. In the 21st century, there is a great disparity between what different lending institutions charge in the way of interest. As a result, it\'s wise for you to shop around to obtain the best interest rate possible. Keep in mind that the higher your credit score, the better interest rate options that you will have available to you.

5. In considering what you need to know before you take out loans, in addition to considering interest rates offered by different lenders, you need to consider what other costs will be associated with a loan. This is particularly true when you are contemplating a home mortgage loan. In addition to interest rates, there are also other fees associated with obtaining a loan that you need to take into consideration, including points and \'closing\' costs. As with interest rates, there can be some pretty significant differences between what different lenders actually charge a person when it comes to these loan related fees and costs. Once again, by shopping around you will be able to obtain a loan at the most reasonable cost possible.

By following the tips and suggestions outlined in this article, you will be in the position to obtain loans that best meets your current needs. Perhaps even more important, by following the steps outlined in this article, you will be able to obtain a loan that you will be able to live with well into the future and that will fit into your overall financial planning scheme and program.

Publisher & Author - Bill Darken - There\'s a good student loan area along with more relevant general loans assistance such as home, car, and consolidation loans. There\'s are highly informative eye opening articles and up to date loans news at Bill\'s site, see it all here at Student Loans or http://www.loans-only/wordpress/

Online Personal Loan: Quick and Hassle Free

Internet has accelerated the speed of accomplishing some of our works to a great extent. For example we can consider the case of online personal loan. This loan is available through Internet and is processed in a much quicker speed. In addition to fast processing an online personal loan has so many other benefits.

As an online personal loan is processed online it saves your valuable time. It also gives you freedom from meeting the lenders physically on several occasions. So, much of the hassle of getting a loan is avoided. Many people shy away from applying for a loan only because they do not like the lengthy process involved in getting a loan. But the way of an online personal loan is filled with no such kind of hassle. However, physical meeting will be necessary, but at the end of the process.

As the loan market is flooded with a number of lenders it has become tough to explore the market to ensure a suitable package. But if you opt for an online personal loan you can carry out your search online using Internet. Time and place will not a problem for you to carry out your search as you can accomplish it from anywhere and at anytime only you need access to Internet.

In addition to the above mentioned benefits of an online personal loan there is the freedom to use it for any of your personal needs like home improvement, car purchasing, holidaying, sponsoring education or wedding etc. So in order to avoid hassle and get the loan quickly and easily you can opt for an online personal loan.

About The Author:

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Loans-Bazaar as a finance specialist.

For more information please visit http://www.loans-bazaar.co.uk

Article Source: http://EzineArticles.com/?expert=RuthStanhop

The Properties Of Price Movement

You might look at the stock prices at the bottom of your television screen or, if you are trading currencies in the forex market, you might look at the exchange rates go up and down your computer screen. Prices move and you wonder whether their behaviour means something. Could the market be sending out signals that you can use to make your decisions? How, exactly, are you going to study the market?

For anybody to make money from the market, they must have a way of studying it. There are predominantly two approaches: fundamental and technical. Fundamental analysis focuses on value but this is the subject of another article. Technical analysis, on the other hand, focuses on price and its movement.

The movement of price has the following properties which traders can study to aid in their decisions:

Trend - its persistence to move in one direction,

Volatility - the magnitude of its fluctuations on a periodic basis,

Momentum - the rate of its acceleration and deceleration,

Cycle - its tendency to move in cyclical patterns, most especially in the futures market,

Market Strength - the number of transactions supporting its movements,

Support and Resistance - its tendency to rise or fall to a certain level and then reverse, repeatedly.

Analysts, using the technical approach of analysing the markets, have developed their own set of indicators, different to those used by fundamental analysts. These indicators are used to measure the properties of price movement. Fortunately for modern-day traders like you, you do not have to devise your own tools. You just need to learn how they work and how to use them.

Marquez Comelab is the author of the book: The Part-Time Currency Trader. It is a guide for men and women interested in trading currencies in the forex market. Discusses analysis, tools, indicators, trading systems, strategies, discipline and psychology. See: http://marquezcomelab.com.

Del Mar Real Estate

Del Mar, Calif., about 30 minutes north of San Diego, contains an interestingly rich history. In 1882, the first California Southern Railroad train was engineered and built by Theodore M. Loop. Loop was so impressed with the area that he called it, \the most attractive place on the entire coast.\ In that same year, Jacob Taylor bought 338 acres of land for $1,000 on the northern edge of what would later become Del Mar. Both men were visionaries and they both pictured the city becoming very powerful with much wealth and industry. One other interesting history story evolves around the Del Mar Racetrack. In 1933, Ed Fletcher was assigned to find a suitable location for the San Diego County Fair. An area was soon decided for the fair that also included a mile-long oval racetrack. In 1937 the now infamous Del Mar racetrack was established and began holding races.

Places of accommodation in Del Mar are geared towards anyone who wants to stay or visit the city. The original Del Mar Inn now called the Clarion Carriage House Del Mar Inn along with the Hilton Del Mar North and the L\'auberge Del Mar Resort & Spa are just a few of many places to choose from.

Balloon flights are also very popular in and around the city. Balloon Flights LLC and Panorama Balloon Tours both offer services in this area. The Del Mar Fairgrounds and Del Mar Thoroughbred Club are also popular places to visit. Dining places in Del Mar offer a wide variety of food types along with service. Pacifica Del Mar, China Caf, Papachino\'s, Sushi Dokoro Shirahama and Barone\'s are just a few of many dining selections. Surrounding tourist destinations are in the hundreds. San Diego Zoo, Wild Animal Park, Sea World of California, Birch Aquarium at Scripps, Scripps Institution of Oceanography, Old Town San Diego, Historic Balboa Park, Universtiy of San Diego, Gaslamp Quarter, Convention Center, Qualcomm Stadium home of the San Diego Chargers, Petco Park home of the San Diego Padres, San Diego State University home of the Aztec and Holiday Bowl are but a small glimpse of the many options that await any visitor to Del Mar.

Real estate in Del Mar varies greatly depending on the location. For example, a four bed, three bath house on the coast can cost upwards of $7 million. The same house farther inland would cost around $1 million. The main reason for the big price difference is because of the proximity to the coast. The first example sits right on the beach, while the second example is about three miles from the coast. Homes that are even farther inland continue to drop in price as the view of the surrounding area slowly diminishes.

Del Mar is a quant city that sits on only two square miles and only has a population of around 4,500. If you are looking for something with the small town atmosphere, but enjoyable at the same time, Del Mar is the place.

Inside Finances - Del Mar Real Estate is a network devoted to financial information such as real estate. The Inside Finances network has 10,000\'s pages of real estate information for cities all over the United States. Inside Finances covers several topics from the basic \how to\'s\ of real estate to city-specific real estate information.

Paperless Cash Advance Loans Getting a Loan with Bad Credit

Unexpected expenses and car repairs happen to everyone. If you have good credit, perhaps you have a credit card that can be used for emergencies. If you have bad credit, getting approved for credit is difficult. Thus, you may have little funds during an emergency. In this instance, a paperless cash advance loan is a great way to get your hands on quick cash for a car repair, medical bill, etc.

Bank Loan vs. Same Day Cash Advance Loan

During an emergency, applying for a bank loan is a huge inconvenience. For starters, the loan approval time is long, and the bank\'s business hours are limited. Furthermore, banks do not lend money to people with bad credit. The criteria for getting a bank loan are very specific. You must have collateral, sufficient income, and a high credit rating.

If you need instant cash, getting a bank loan is not a good option. Instead, apply for a paperless cash advance loan. With a cash advance loan, you may submit an application anytime. Most companies operate online. Their websites include easy to follow applications. Some companies require applicants to fax documents such as photocopies of driver\'s license, bank statements, pay studs, etc. However, this delays the loan process.

Quick and Easy Paperless Cash Advances

Paperless cash advance companies do not require photocopies of documents. The online application asks a series of questions pertaining to income, employment, bank account, etc. There are no credit checks with cash advance loans. Nonetheless, you must repay the cash advance within two weeks. If you fail to pay, the cash advance company will report you to the credit bureaus. If this occurs, you will be unable to obtain addition cash advance loans.

Most people apply for cash advances during an emergency, thus some fail to fully understand the application. Before signing the loan documents, read the contract thoroughly and look for information regarding fees, interest, and penalties. If you do not understand the loan document, do not sign the contract. Upon signing, you are required to oblige by the stated terms of the agreement.

See my recommended Faxless Payday Loan companies online.

Carrie Reeder is the owner of ABC Loan Guide.

The Importance of a Stop Loss

When you understand the basic principles of technical analysis,
you already have got some knowledge that will help you to trade
well. Technical analysis is important, but what's even more
important is something we refer to as money management. In order
to trade well, you should have a set of rules that you're going
to follow consistently.

The most important thing that you're going to have to learn to
become a succesful trader, is taking a loss.

If you have the courage to take a loss, you will always have
money in your trading account. Simply because you are willing to
sell stocks with a small loss, you will be able to make a profit
with only 4 good trades out of 10.

Taking a loss is admitting that you were wrong. Traders that
keep ignoring the negative signals of the market and refuse to
take a loss, might loose a very large part of their trading
capital. If a stock is trending lower, a turn north will not
happen that easily. But most of the investors don't like to
admit that they've made a bad decision and continue to hold the
losing stock.

Trading in stocks is speculating and so it's impossible to be
right all the time! Before you step in the trading game, you
must understand what you are doing. Let's compare it with the
owner of a shop: buying new products is always a risk, you never
know if they are going to sell well. The shop owner will only
try new products if his business can afford it, even if he will
make several wrong decisions in a row.

Traders in stocks are just like shop owners. We are in the
business of trading. As trader must decide how much money he can
afford to loose.

Let's look at the raw figures:

- if you lose 10% on a trade, you must win 11% on the next trade
in order to have your capital back;

- if you lose 15%, you must win 18% on the next trade in order
to have your capital back;

- if you lose 25%, you must win 33% on the next trade in order
to have your capital back;

- if you lose 35%, you must win 55% on the next trade in order
to have your capital back;

- if you lose 50%, you must win 100% on the next trade in order
to have your capital back;



You can only start to make money if you understand the huge
risks that are connected with not taking a loss on time.

Online motorcycle insurance quote how to get one

Getting an online motorcycle insurance quote is very convenient,
but the online motorcycle quote that you get may not be
accurate. You may be in for a surprise if you don't carefully
check the information that you send in for the quote, and check
the information you receive when you are given a quote.

Start with the information that you are supplying on the form.
If you omit any information, or if you get any information
wrong, the quote that you receive will not be accurate. You need
to remember that this is just a quote. You are not applying for
the insurance, and by supplying wrong information, or omitting
information, you won't be doing yourself any favors.

You cannot fool the insurance companies. Omitting information
will not get you a lower rate, because when you actually apply
for the insurance, the insurance company will get a copy of your
driving record, and possibly a copy of your credit report as
well. They may require pictures of the motorcycle, or they may
require you to bring the motorcycle to an agency for inspection.
If you've omitted any information - whether it was on purpose or
on accident - the insurance company will find out during the
application process.

Most online quote sites don't allow for discount information. In
other words, if you are eligible for specific discounts, you
won't see those discounts when the comparisons are done. You
will need to contact the insurance companies for a more accurate
quote that includes your discounts.

After you get your online motorcycle insurance quote, call the
insurance companies for a more accurate quote, and apply for the
insurance over the telephone if possible, as opposed to applying
online. This way you can be sure that you are getting the most
accurate quote possible.

Palm Harbor Florida Real Estate It Doesn't Get Much Better Than This

Palm Harbor Florida is a wonderful place to live with a population of approximately 80,000, and only a 15 to 30 minute drive to the beach. The beautiful, sunny weather makes it an attractive place to live for people of all ages. Palm Harbor is known for their outstanding, A-rated schools, and there are many activities available for people of all ages and interests. Real Estate in Palm Harbor has significantly increased in value over the past ten years. There are approximately 100 subdivisions in Palm Harbor, ranging from modest 3 bedroom, 2 bathroom ranch style homes in the low $300,000\'s to large executive style waterfront property on the Gulf of Mexico or Lake Tarpon. There are many gated subdivisions, golf course communities, condominium developments, and even active adult 55+ communities.

Recreation is very popular in the Palm Harbor area. Innisbrook Golf Course is a beautiful, five-time award winning club where the PGA Tour is held every fall. It has four courses with different difficulty and terrain. If you love to golf, this is the place to live. For the boating and fishing enthusiasts, John Chestnut Park is a beautiful park located on Lake Tarpon. It is a great place to have holiday picnics, birthday parties, or just relax. It offers boat docks, many picnic areas and pavilions, playgrounds, a softball field, and a large dog park. With its lush surroundings and lakeside benches, it is a great place to visit.

Palm Harbor is only a 15 to 30 minute drive to one of the top 10 beaches in the world, Clearwater Beach. Many restaurants are located along the beach, as well as volleyball nets, a playground, blown up water slide, bungee trampoline, and a beautiful pier. Other beaches around Palm Harbor include Dunedin Causeway, Honeymoon Island, Caladesi Island State Park, Indian Rocks Beach, and Fred Howard Park. Sun worshipers will love these beaches covered with beautiful white sand.

On the first Friday of every month, Downtown Palm Harbor holds a block party with live music, children\'s activities, vendors, food, and more. It is a great place to spend time with family and meet new friends. Held off of Alternate 19, the music is great and vendors offer many crafts and activities for everyone.

There are many fun places to dine in Palm Harbor. Molly Goodhead\'s, located in Downtown Palm Harbor, is an American seafood and steakhouse restaurant with a sports bar atmosphere. It is a great place to go watch \'the game\' or for an evening out with others. Another favorite restaurant with the locals is Lucky Dill. With the New York feel and a slice of free cheesecake with every meal, Lucky Dill is the place to frequent.

Many of the schools in the Palm Harbor area are rated \'A\' by the Pinellas County Education Board. Cypress Woods Elementary, Lake St. George Elementary, Palm Harbor Middle School, and Palm Harbor University High School are recognized for their outstanding educational achievements and community involvement. Academics as well as athletics are very strong in all Palm Harbor area schools.

Palm Harbor is a great place to live because of its central location and outstanding climate. Only minutes from malls, the beach, and about a 45 minute drive to Busch Gardens, many people are proud to make Palm Harbor their home.

Bob Lipply is a top Real Estate Broker Associate in the Palm Harbor Real Estate area. He and his team have been helping families relocate to Florida and on the selling end get top dollar for their homes with great success. Lipply Real Estate also specializes in Clearwater Real Estate, visit his website where you can search the MLS for up to date available homes for sale.

Stock Market 101: Lesson 1 Why Invest in the Stock Market?

This is a very good question, and an important one to ask if you are considering investing your money. The stock market is not the only place one can invest, but it is perhaps the most tangible opportunity for the new investor.

Historically, the stock market has been the playground for the rich. While that has not changed, it is no longer an exclusive arrangement. In fact, the introduction of online investment firms has been very important in reducing barriers to entry when it comes to the stock market. Anybody with an internet connection and an extra $500 can begin to play the market. How effectively they play is up to them.

It\'s been stated, over and over, that you have to spend money to make money. This is true! But a lesser preached adage is that you need to spend money to lose money. Just as true. So what\'s the difference?

When it comes to the stock market, the difference is simple - good investing versus bad investing. There are a thousand different ways to invest and more than a thousand different people telling you how to invest. I suggest you ignore all these influences and focus your attention on a simple concept known as \due diligence.\

What is Due Diligence?

The answer is simple. Get educated! In the stock market, the less you know, the less you make (more you lose?). So every dollar you invest should be a dollar you research. Your money is your money. So treat it right!

E. West is the creator of stockmarket101.org - a resource for new investors interested in learning about the stock market. The site educates people using a classroom style \from the ground up\ approach to understanding the stock market.

http://www.stockmarket101.org

Seven Steps to Filing Your Car Insurance Claim

Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.

Step 1: Understand your policy

Before a loss, sit down and carefully read your insurance policy. Call your agent or company if you have any questions about what is or is not covered.

Step 2: Exchange information

If you are involved in an accident, get the other driver's name, address, phone number, insurance carrier, and insurer's phone number. Be prepared to give the same information about yourself to the other driver. You can find insurers' telephone numbers on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle.

Step 3: Identify witnesses

Ask witnesses to the accident for their names and phone numbers in case their account of the accident is needed.

Step 4: File an accident report

Contact local law enforcement officers to have an accident report prepared. If law enforcement is not reachable, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site.

Step 5: Notify your insurer

Contact your insurance company about the accident as soon as possible. An insurance adjuster will review the accident report to determine who caused the accident. If the accident was not your fault, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. If you use the other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible.

Step 6: Do not release insurers too early

Do not relieve your insurance company of its responsibility until the damages are settled to your satisfaction. For example, have your insurance company handle the claim if the other party's insurance company questions its policyholder's negligence or offers an unacceptable settlement.

Step 7: Consider these settlement factors

. Bodily injuries: You may be entitled to a monetary settlement for injuries caused by another at fault (liable) party. It can take several days for some injuries to become apparent.

. Damages: The insurance company is responsible to pay for the reasonable cost of repairs to your vehicle. An insurance adjuster will assess the damage. Usually, insurance companies and auto body shops negotiate disagreements about what should be repaired. If you disagree with their conclusions, you have the right to obtain another appraisal at any auto body shop.

. Appraisal clause: Most auto insurance policies include an appraisal clause, which can be used to help settle disputes about physical damage claims between you and your insurance company. (The appraisal clause does not apply for claims you file with the other party's insurance company.) If you cannot reach an agreement with your company, you or your insurer can initiate the appraisal clause. Your appraiser and your insurer's appraiser then select an independent umpire to try to resolve the dispute. Check your policy or ask your agent or insurance company for more information about the appraisal clause.

And that is it. While filing a claim is certainly no fun, following these seven steps will make the process almost as easy as getting free quotes and purchasing your car insurance at http://www.carinsurance.com.

Visit http://www.carinsurance.com For Your Free Quote

Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!

The Time Value of Money

Life is about decisions, whether they relate to your work, business or personal life. Often ignored is the interplay between all these areas, and the fact that a little interdisciplinary thinking can go a long way. This might sound obtuse, but many important decisions can be made easier by thinking simply, and a bit differently.



Before we do, a note about value, and 'utility'. Business is about creating value. Our personal lives (according to economists) are about maximizing our utility, where utility is simply a measure of the happiness or satisfaction gained from a good or service.



Think of it this way, and business is considered first. If shareholders (either owners or investors) could create more value themselves using other means, why bother running or investing in a business? Assuming we don't all have a perpetual income stream it comes back to this - if you don't create value in today's economy, you'll be forced to do one of two things. Change how you do things, or cease to exist. For business the value question is rather important.



People have it a little easier in some respects. Creating maximum utility is an incentive in and of itself. In the end, we all want more, whether it is revenue and growth for business, or old-fashioned utility in our personal lives.



To get more, we return to the decisions mentioned earlier, as all the decisions we make have a direct impact on both value creation and utility maximization, in particular those related to finance. Successful strategic management (the direction you want to take the business) is supported by your investment policy (choosing which projects to undertake) and your financing policy (how you fund everything). Linked to all of this is risk management, or how you handle the risks associated with these financial decisions.



Personally, financial decisions influence your quality of life, and your ability to enjoy the things you want. Once again we are back looking at the study of incentives - how people get what they want, or need, especially when other people want or need the same thing. In this case, it's maximum utility.



One of the cornerstones of modern finance assists us in understanding which decisions to make, and it is equally applicable to business and personal finance. Its known as the time value of money. Simply put, $1 today is worth more to you than $1 received in the future. Why? Money has a time value because of interest rates, no matter how measly, making $1 today more valuable than $1 received at some time in the future because it can be invested today to provide a return. The income from the investment will in turn, make the dollar you get today worth more than the one promised you in the future. Perhaps an example best illustrates the point.



Anne is offered the choice between $100 now, and $100 in a year's time. She takes the cash now, and invests it in a security (or bank) yielding 8%, and in a year has $108, which is clearly more than if she deferred taking the money at the start.



Again, this comes back to the incentives mentioned earlier. Interest rates are paid because someone else can use your money now, and they are prepared to pay you a return for the privilege of doing so, which is in truth a premium for taking the risk of giving your money to someone else. With business, this concept is part of what is known as the Sharpe-Lintner Capital Asset Pricing Model (CAPM for short), allowing people to work out, in today's terms, the value of future cash flows on any project or decision requiring investment. Widely used, this concept varies in appearance and complexity, from sophisticated models developed by General Electric to the small business owner using the 'NPV' formula in an Excel spreadsheet.



There is another side to this discussion, and it's slightly more personal. The time value of money can apply to you, and specifically, your utility. To understand how, we need to look at things the other way around and get a handle on the incentives of everyone involved.



Think of large personal assets you might have, like a structured settlement. The agreements reached in setting up the settlement left you with a sense of security for the future and continuing, dependable payments over time. Comfortable. Hmm. Let's look at the incentives.



Think like they do. The illusion is that you will be better off down the track with the settlement. The problem is, they don't want you to have all your money now because they understand the time value of money. Its worth more to them, and they bank on the fact that you haven't given it a second thought.



Remember that structured settlements are designed so that the paying company get the maximum benefit from the time value of money. This doesn't happen by accident or through some amazing act of benevolence driven by concern about your long term well-being. It's pure market and negotiating power. Considering the time value of your settlement, the incentive is for them to keep your money as long as possible to maximize their value growth.



The intent of this discussion is to make you think. Consider the time value of money in your personal life. How much value is there for you in holding first-mortgage on a property for 20 years, compared with maximizing your utility? How much utility is your monthly settlement check going to provide you in 10 years? Just think about increases in the cost of living over the next fifteen years, and how the monthly check stands up.



Avenues exist in today's marketplace for you to better utilize these high-value assets like structured settlements and real estate notes. Naturally, decisions to do so should not be taken lightly, treating your largest assets as whimsically as an ATM card. Whether in business or in your personal life, always consult a diverse range of industry professionals to increase the amount of information and knowledge brought to bear on any decision. As mentioned at the start, risk management is an important part of any decision making process.



Remember the time value of money. It can be used both for and against you. And find out which way it is being used, just look to which party has the larger incentives.

Article Source: http://www.articledashboard.com

Jeremy Ballenger is a consultant for Sovereign Funding Group. Sovereign Funding Group is an experienced, reputable company that offers convenient, no-risk services to help you with the selling of your deferred payments and business financing including
structured settlements.

Second Home Equity Mortgage Loans

The people in the market today view a second home-equity mortgage loan as synonymous with a second mortgage. A second home equity mortgage loan is a loan that you take on your home in addition to the first mortgage loan. This helps you to get money without refinancing the first mortgage.

Second home-equity mortgage loans are good for reducing your debt, but you should be careful. The loan is a lump-sum-second loan that is taken against your home after the first mortgage you already have; if you fail to repay it, you will end up losing your home. The rates of the home equity loans are also higher than that of the first mortgage.

A home equity loan is a one-time loan and can be used for any purpose such as your child\'s education, debt consolidation, emergency medical expenses, modifications of your home or for any other purchase. It is usually a fixed-rate loan. The cost of the loan depends upon many factors such as the amount you wish to borrow, the period in which you wish to repay the credit, and even the circumstances.

Home equity loans are ideal for people with low credit ratings, because the lender will not find any risk in lending out the amount as the home is being used as collateral. Today, people are even saving money on their interest rates. Second home equity mortgages are a good option, as most of them are tax deductible. But the most important aspect about the second mortgages is about the type of the mortgage and how it suits your pocket.

Second Mortgage Loans provides detailed information on Second Mortgage Loans, Second Mortgage Loans After Bankruptcy, Second Home Equity Mortgage Loans, Second Mortgage Loan Rates and more. Second Mortgage Loans is affiliated with Florida Mortgage Loan Calculators.

Finding the Right Credit Card

There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you've seen? Take this little quiz to find out what you should look for in a card.

First, Are You a Student?

If you are, then you'll be best off with a student card - you'll probably have trouble getting accepted for anything else. It would be best to contact the bank where you have your student account before you do anything else.

Do You Have a Balance to Transfer?

If you do, then you need to be looking for a card with a low APR on balance transfers - preferably one that stays low for more than a few months, unless you intend to switch often.

Are You Planning to Make New Purchases?

If so, then pay more attention to the APR for purchases, which is usually entirely different to the one for balance transfers. You should also look at what kind of grace period different cards offer, so you don't end up paying interest on your purchases straight away.

Do You Pay Off Your Balance In Full Every Month?

If you have a lot of money or you only keep a credit card for emergencies, then you might just pay it all off each time you get the bill. If you do, then you're in a position where you obviously don't need to worry about the interest rate much at all, since you won't be paying any interest (make sure there's a grace period, though).

Many people don't realise, but the credit card company still makes money from you even if you pay no interest - the money shops pay to be able to accept credit cards. The credit card companies want to give you some kind of reward for letting them make this money without causing them any trouble, and you basically have a choice of three things:

Get cashback. For always paying everything off, they're quite willing to throw a few dollars your way. If you spend much with the card, this can add up to a tidy sum.

Take vouchers. You might, for example, be able to earn points as you spend that get you money off flights, or other rewards.

Give it away. If there's a charity or other cause you support, the chances are that you can donate money to them using an affinity card. This is a credit card that gives a very small percentage of each transaction to your chosen cause, and over time it adds up to a pretty decent donation for them.

Take Your Time

Don't let anyone pressure you into making a decision before you're ready. Any offer that says it's for a limited time only is one you should ignore, as there's no reason to do it other than as a sales tactic. Think hard about your spending habits and what you want the card for, consider all the options you can find and then, once you're sure, go for it.

Ken Austin is the webmaster at Debt Consolidation Solutions and Credit Relief Solutions

The Pro's and Con's of Debt Consolidation Loans

You are swimming in debt. You have 4 credit cards maxed out, a car loan, a consumer loan, and a house payment. Simply making the minimum payments is causing your distress and certainly not getting you out of debt. What should you do?

Some people feel that debt consolidation loans are the best option. A debt consolidation loans is one loan which pays off many other loans or lines of credit.

I'm sure you've seen the advertisements of smiling people who have chosen to take a consolidation loan. They seem to have had the weight of the world lifted off their shoulders. But are debt consolidation loans a good deal? Let's explore the pros and cons of this type of debt solution.

Pros

1. One payment versus many payments: The average citizen of the USA pays 11 different creditors every month. Making one single payment is much easier than figuring out who should get paid how much and when. This makes managing your finances much easier.

2. Reduced interest rates: Since the most common type of debt consolidation loan is the home equity loan, also called a second mortgage, the interest rates will be lower than most consumer debt interest rates. Your mortgage is a secured debt. This means that they have something they can take from you if you do not make your payment. Credit cards are unsecured loans. They have nothing except your word and your history. Since this is the case, unsecured loans typically have higher interest rates.

3. Lower monthly payments: Since the interest rate is lower and because you have one payment vs many, the amount you have to pay per month is typically decreased significantly.

4. Only one creditor: With a consolidated loan, you only have one creditor to deal with. If there are any problems or issues, you will only have to make one call instead of several. Once again, this simply makes controlling your finances much easier.

5. Tax Breaks: Interest paid to a credit card is money down the drain. Interest paid to a mortgage can be used as a tax write-off.

Sounds great, doesn't it? Before you run out and get a loan, let's look at the other side of the picture - the cons.

Cons

1. Easy to get into further debt: With an easier load to bear and more money left over at the end of the month, it might be easy to start using your credit cards again or continuing spending habits that got you into such credit card debt in the first place.

2. Longer time to pay off: Most mortgages are the 10 to 30 year variety. This means that rather than spend a couple of years getting out of credit card debt, you will be spending the length of your mortgage getting out of debt.

3. Spend more over the long haul: Even though the interest rate is less, if you take the loan out over a 30 year period, you may end up spending more than you would have if you had kept each individual loan.

4. You can lose everything: Consolidation loans are secured loans. If you didn't pay an unsecured credit card loan, it would give you a bad rating but your home would still be secure. If you do not pay a secured loan, they will take away whatever secured the loan. In most cases, this is your home.

As you can see, consolidated loans are not for everyone. Before you make a decision, you must realistically look at the pros and cons to determine if this is the right decision for you.

Wesley Atkins is the owner of http://www.credit-cards-advisor.com- which aims to get you fitted with the best credit cards to suit your situation. With numerous credit card articles and easy online credit card applications you will never choose the wrong credit card again.

Why Do I Need a Realtor to Sell My Home?

Why Do I Need a Realtor?



As you consider selling your home, you might be thinking Why do
I need a Realtor, what value does a Sellers Agent bring to the
table?



There are five areas where I, as a licensed Realtor, can help
you in the sale of your home or investment property -



SETTING THE PRICE

Pricing your home is a careful balance. Set the price too low
and you leave money on the table. Set the price too high and
your home will be on the market a long time, which just
compounds the problem as it raises questions about it's
sale-ability.



As a Realtor, it is my job to know what properties like yours
have sold for recently, and can utilize the detailed history of
area sales to tell whether your home - with it's unique
features, location and condition - will bring more, or less,
than similar listings. And I always have the pulse of the local
and regional Real Estate market, so I know whether the market is
heating up or cooling down, and can stay ahead of the trend,
pricing your home to get you the highest possible price in the
least amount of time.



BEING OBJECTIVE



Selling a home can be an emotional experience. After all, it's
been a part of your life, perhaps the center of your life, for
years. As a third party, a Realtor can keep you focused and
provide independent feedback on things you should do, or changes
and repairs that should be made, to help the home sell. I will
also act as a buffer during negotiations. As a licensed Realtor,
I adhere to a strict code of ethics, and I work to represent
your best interests.



PROVIDE MARKETING MUSCLE

Attracting interested people to view and buy your home does not
happen automatically. I will market your home to the widest
audience of potential buyers through a well-coordinated
multimedia campaign. Of course, I will use Signs, Newspaper Ads,
Internet and open houses, but you'll also be placed in the
Multiple Listing Service where local agents can bring it to the
attention of their buyers, and then to Realtor.com and Yahoo
Classifieds Real Estate where it can be viewed by anyone in the
world that is relocating to this area.



PRE-QUALIFY BUYERS

I can help separate the serious buyers from the lookie-loos
and thus save you a lot of time and frustration. I will
determine if buyers are serious by getting answers to questions
about their motivations and purchasing power and by ensuring
that they have been pre-qualified for a mortgage in the amount
needed to buy your home. When I bring you an offer on your home,
you can be sure that the buyers' finances are sound and the deal
is ready to be done.



FOLLOW THROUGH and CLOSE THE DEAL

Any real estate transaction is complicated and there is a
mountain of paperwork. First there are offers and
counter-offers. Then come the Contracts of Sale, inspection
reports, disclosure forms, deeds, mortgage documents and a Title
search. I keep track of it all and see to every detail. My value
is in avoiding delays and mistakes, and coordinating the timing
of the sale of this house with the purchase of another, so that
you make a smooth transition to your new home.



SUMMARY

The value that I, or any licensed Realtor, brings to someone
selling a house is, in the end, peace of mind. The marketing,
the details, the paperwork, the coordination. I do it every day,
and I enjoy the process. So relax and leave the details to me.
You'll find that having a knowledgeable Realtor beside you
throughout the sale of your home is priceless.

Self employed loans when being self employed is the impediment

Being self employed has always been associated with challenges. Is finding a loan for self employed one of them? Is it? Well with loans for self employed suffer more from lack of information rather than lack of choices. Self employed people often complain of lack of information available when it comes to loans for self employed. Lenders will always offer you choices - it is their business. The fundamental issue remains making the right choice.



If you as an individual operate a business or profession as an owner or partner, is an independent contractor, independent consultant or someone in changeable employment, then you are considered self employed. Traditionally self employed loans have been associated with difficulty and high interest rates. However, with more and more people preferring work for themselves, self employed loans have become more flexible.



If you are a self employed with accounts worth three or more years and a good credit record, your loan application will be processed smoothly. You will stand on the same platform with any regular salary worker. Well if you do not conform to any of the above standard, expect that you are self employed; you can still find loans.



One thing that almost always goes against the self employed is that they are always negligent in filing their returns. The accounts understate the earnings of self employed. This is usually not very encouraging aspect especially while looking for loans for it cuts down the amount you can borrow as self employed loans.



Self certification mortgages are a way to secure mortgage loan for those who do not have required documents. The self employed certify for themselves without any recognized proof. Terms with these self employed loans are at times strict and interest rates high. Look for interest rates that suit your budget because they are possible.



Self employed loans will have down payment ranging from 20%-40%. Down payment serves to negate the risk for the lender while dealing with loans for self employed. Usually self employed people do not have a fixed income and also statistics fail to show a very promising figure about success of businesses. One out of five people shifting from employed to self employed fail. This puts self employed loans into the risk area. If a self employed is able to make substantial down payment, the loan lender will neglect any other negative aspect in the loan application.



Self-employed people are typically asked for two to three years of personal and business tax statements, depending on whether the individual is a partner or a proprietor. If you are a partner then the tax statements of the company, three years of general T1 tax returns and three years of personal notices of assessments. Some lenders will approve loans by a simple letter from your accountant.



Self employed borrowers often end up taking low doc or o doc loans. Low doc self employed loans will require very little documents for verification. While o doc loans, a self employed would necessitate no authentication of assets or documents. The cost for such loans for a self employed is interest rates. A home equity line of credit or HELOC is also possible for self employed. HELOC is priced at a spread to base interest rate.



Credit history is generally the yardstick to what flexibility a self employed is offered with loans. This will also has an influence on loan to value ratio which is 70%-90% for self employed loans. However, those self employed who have bad credit ratings also have an option. There are lenders who will give self employed loan with poor credit. Watch out for interest rates.



As you can see the choices are many for a self employed looking for loans. Because there are so many variations within self employed loans, it is advisable to search for considerable options while applying for self employed loans. Some prefer brokers to lenders to find self employed loans. However, lenders can search for online options to find the best deal. With self employed loans you won't be penalized because you have chosen to have a certain kind of freedom - the freedom to work on your own terms.

Article Source: http://www.articledashboard.com

After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK debt consolidation
web site uk debt consolidations.To find a debt consolidation loans,debt management,debt advicec that best suits your needs
visit www.ukdebtconsolidations.co.uk

Top 10 Credit Card Tips

The credit card has been one of the most popular inventions of this time, helping consumers acquire convenience and boosting consumer spending for the economy. However, credit cards have been exploited for the wrong reasons, and thus have become the main source of debt for many consumers. Thus, in order for credit cards to be beneficial, consumers would need to be well-informed on the proper usage of credit cards.

1.Pay off your outstanding balances each month

Rolling over outstanding balances will only result in snowballing debt. Credit card interest rates are amongst the highest as compared to other types of debt. With this, your cost of expenses is increased without any apparent benefit to you.

2.Transfer your high interest credit card balances to 0% APR credit cards

If your outstanding credit card balances are high, you should work out a balance transfer to other credit cards that offer introductory 0% APRs. This way, you can stagger monthly payments and pay off your credit card debt gradually without incurring additional interests.

3.Cut up high interest credit cards

It\'s time you evaluate your credit card interests, and cut up those that charge high interest rates, no matter how wonderful their reward programs at. At the end of the day, the rewards attained will not equate the additional interests incurred.

4.Be careful with your credit limit

As your credit limit may be 2 or 3 times greater than your monthly income, it can be fairly easy for you to overspend. Thus, when using your credit card, be sure that you don\'t charge more than what you can truly afford.

5.Check your credit card statements

Contrary to what you may believe, banks and credit card companies may make errors in their billing statements to you. Thus, it is best to have a habit of cross checking your credit card charges before making payment.

6.Automatic transfer payments

If your credit card is being used for grocery shopping, you can always arrange for an auto-payment with your bank to ensure that you always pay on time. However, you would still need to cross-check your credit card statements and make a complaint if you find any discrepancies.

7.No credit cards when window shopping

Do you have bad control over your shopping habits? If you are on a window shopping spree, it may be advisable not be bring your credit card. How else would you buy anything if you are out of cash with no credit cards? This is a good way to stop yourself from impulse purchases.

8.Be aware of your rights

Consumers are entitled to rights when it comes to making purchases. The government has set forth many guidelines for retailers in order to protect consumers. Thus, if you have paid for something which did not get sent to you, or if you purchase something that turns out to be faulty, you have every right to demand for a refund or make a report to the Federal Trade Commission.

9.Do not hold multiple credit cards

Credit cards exist to offer you convenience, but many have gone into debt by charging into the multiple credit cards that they hold. Therefore, the trick is to just keep the credit cards that you need, and cut up the rest of the cards. This way, you will less likely to spend more than what you can truly afford.

10.Protect yourself from identity theft

The issue of identity theft has become an area of huge concern. It is the responsibility of every consumer to protect their personal information and their credit cards from being stolen or duplicated. Thus, when shopping online, make sure that the party that you are dealing with is legitimate before you give out any credit card information.

Alan Bernstein recommends Find Credit Cards to apply for a MasterCard credit card today.

http://www.findcreditcards.org

Article Source: http://EzineArticles.com/?expert=AlanBernstein