How to Get Free Money Online

Here is a quick and easy way to get free money. Maybe I shouldn’t really say free because this is your money and you just don’t know about it. So maybe a more representative title would be “how to find money that is yours that you don’t know about” lol.

My friends and family absolutely love me for introducing this to them, and I am sure you will too after you are done reading this! Did you know that there are billions of dollars of unclaimed property that the Government is holding? This is money that has been forgotten by people like you and I, not knowing that we had it to begin with. Life gets busy ya know?

I was initially in denial thinking how can I not know about money that is mine? But this happens all the time. Think about all the security deposits you have paid that you haven’t collected back. Apartments, gas providers and electric companies are big into collecting deposits. Satellite dish providers are another one.
Think about prorated refunds from service vendors, especially whenever you change your home or auto insurance providers for example? Bank accounts you have abandoned because they had very little money in it? That money has probably grown a tiny bit because of interest.

This is a big one. What about an inheritance in your name that you didn’t know about? These are all just a handful of ways there can be money out there for you that you don’t know about. There are a ton of other ways as well.

Where Does the Lost Money Come From?

What causes unclaimed funds? People move all the time, distant relatives pass away and life just gets busy sometimes. Tenants move out of a rented apartment and forget to leave a forwarding address for the landlord to send back the deposit to. There can be many other reasons as well. Usually, people leave forwarding addresses at the post office, but the post office does not forward mail forever. Forwarding privileges expire at some point, usually after 12 months.
The Government gathers up all the unclaimed money and keeps it in the treasurer’s office. Depending on the State you live in, this money can be kept at another Government agency. In either case, it is available for you and you can redeem it at any time if you can prove your identity. Usually a State ID or driver’s license is good enough.

How Much Free Money Can You Get?

All of it that is in your name. In the early 2000’s for example, the Government held on average over $20 billion in unclaimed monies year after year. This amount keeps increasing because the number of people who are owed money increases over time. Most people never collect this. Check out the agency called the National Association of Unclaimed Property Administrators. It is fascinating to learn the kind of money that is involved here.

I Found $142 to My Name

Yes, when I searched my name, I found out that AT&T owed me $43 from my old cell phone contract. A heating company owed me $17 and the electric company owed me $28. Then I found that my car insurance company owed me some refunds that they had sent to me, but because I had moved I never received the check.
All in all I became $142 richer the day I learned about this. According to the data and statistics around unclaimed property, the average amount remitted to a claimant is over $900. I had never imagined the amount could be this high. $900 is a healthy chunk of change, especially when not expected.

Where to Find the Free Money?

That is the million dollar question. There are online databases that you can use to search for unclaimed property. Each State is responsible for their records. Recently, States came together and decided to establish a central repository, which makes life easier for both the Government and the individual.
To see if you are owed any money, check out the Missing Money database. Just type in your name and the State you live in (include previously lived in States as well). You might just get a nice surprise. And when you do find something, I expect to be treated to lunch on you soon. Don’t you DARE cheat me out of that deal either.
Try it out.  Did you find something?  Are you aware of other similar ways to scour up lost cash?

Health Insurance Plans: Select the Best One

Health insurance plans are nowadays quite common and very affordable and available from a number of top notch health insurance companies working as insurance carriers. Even though there are a number of options available for the coverage option. Some prominent are:

Catastrophic Plans:

This is the least expensive policy that offers huge health coverage to the individuals. This sort of coverage often cost less the prices what a comprehensive policy costs. This health insurance includes various emergency room charges, in-patient and out-patient surgeries and other most hospital expenses incurred while any health related happening. Some other charges include are the surgeon fees, facility fees, chemotherapy, CAT Scans and other MRI expenses.

This catastrophic insurance coverage begins only when once the deductible has been recognized by the insurers. The coverage generally not includes Doctor Visits, prescriptions; preventative benefits and prenatal care in the policy.

Comprehensive Health Insurance

These are the most expensive type of coverage offered in the arena of the health insurance. In a typical comprehensive plan where insured individuals pay small amount of the coverage paid on the office visits. These comprehensive plans are tend to offer the benefits that cover both generic and non-generic prescriptions to the individuals. Many comprehensive health insurance plans offers the coverage of approximately $2,000 to $5,000, and in some conditions insurance providers are advised to consider the policies that offer unlimited prescription coverage.

Health Savings Accounts

This sort of health insurance policies are used to manage and assist individuals and families in for current and future medical expenses on a very tax- free basis. To getting the benefits of HSA you need to have a High Deductible Health Plan (HDHP) that costs much less than a conventional policy in nature.

Since the Health Savings Account is moveable and transferable among the policies, you may get hold of the policies regardless your employment insurance carriers. This HAS fund also accommodate other qualified insurance items such as expenses occurred on dental and eye health prescriptions. These health insurance options are catered to manage and maintain the required necessities of families and the individuals in term of the expected health insurance options. (Article Manager)

The Commercial Mortgage System

As with the majority of the mortgage and housing market in general, the commercial mortgage sector has suffered as a result of the overall economic downturn. Throughout the UK the past year or so has seen existing successful companies through to viable start up companies struggling to raise sufficient finance because of the dwindling numbers of commercial mortgage products that were available on the market. This has inevitably left a good proportion of small to medium sized firms, entrepreneurs and investors with little scope to pursue or develop a wide range of business activities without having to pay a premium to do so.

However, as the British summer weaves its way along in a multitude of seasonal swings, the commercial mortgage market has also begun to heat up as there appears to be some funding lines opening up as lenders appear to be returning to the market. This will have the knock on effect of increasing competition which will provide the stimulus needed for more products to become available for those looking businesses looking for a commercial mortgage to purchase their premises or for commercial property investors looking to finance either a purchase or remortgage.

To illustrate this rise in positivity, buy-to-let and commercial mortgage specialists Mortgages for Business has recently reported to have seen a 41% increase in new mortgage cases since January 2009, which it attributes to an upturn in the number of property investors returning to the market.

With the residential housing market also showing tentative signs of growth it appears that commercial mortgage transactions are showing the healthiest signs of improvement with the number of new cases more than doubling over the first six months of the year.

Commenting on the current commercial mortgage market conditions, David Whittaker, managing director of Mortgages for Business, says: "There are the first glimpses of a shift in the commercial sector, with enquiries and cases on the increase. This is significant as the commercial property sector has suffered horrendously over the past two years, but, we appear to have turned a corner. With the number of mortgage cases gaining momentum it is clear that banks are open for business and willing to lend, as long as the numbers stack up."

Further momentum will continue in the form of increased funding becoming available to lenders which, hopefully, will in turn become available to borrowers through increasingly competitive commercial mortgage products. There is no doubt that there are some businesses that will continue to struggle but as with any market downturn, winners will emerge and it will be those firms that have greater control over their financial situation that will come through relatively unscathed. The commercial mortgage market is showing signs of some recovery but there is still some way to go. There are promising signs that a degree of positivity has returned to the market, so with this in mind the commercial mortgage market is certainly one to watch for in the later part of 2009 and early 2010. (Mark Cijo Jn)

Best Fixed Rate Mortgage Deals

The best fixed rate mortgage deals are absolutely essential in todays financial climate. You need all the savings you can make. Why go for high rates, and risk foreclosure, when you can find the best fixed rate mortgage deals and make your life more secure? The current financial climate has made many people foreclose. This is unfortunate and distressing to lots of people.

This effect has happened not just in the US but also in the UK and around the world. There is a need for changes, and high levels of interest rates on mortgages wont help. A solution is needed and it comes in the form of the best fixed rate mortgage deals. The reasoning is understandable. Consider if you are paying less each month, wouldnt you more likely be able to pay back the mortgage and own your own piece of real estate? Of course you can, and it is fully possible.

The biggest problem though is that people will generally go for the usual and easy route. They will go to the bank they have banked with since being a child. They will apply for a mortgage and almost certainly get it. It is secure and easy, but it is not the best. These are the cases that come up in foreclosures. After all they are paying such high rates of interest. It doesnt mean everyone will, but it does increase burdens and these burdens can take there toll if problems hit during the course of the mortgage. Lets get smart and look for the best fixed rate mortgage deals.

Consider this, you save even 0.1% on a mortgage rate, and it will have a major impact on the amount you have to pay back! Imagine making a $10k saving throughout the life of the mortgage. This is a meal which no restaurant would charge you for! It is enough to enjoy several meals each year, and still have money left over. It could mean 3 or 6 months of work. It could mean a cruise! The choice is yours and I know that by finding the best fixed rate mortgage deals, it makes life easier. Yes, research is needed, yes it is not going to be as streamlined as going to your bank, but it works.

The question is what are the options, and where do you find the best fixed rate mortgage deals? The answer is simple, dont go to the bank! There are many mortgage lenders around the country. Almost all of them offer rates which no bank can offer. The terms they offer are generally great, and could be better than banks who decide to charge extortionate fees when late payments happen and other things which break clauses. You will need to check with all of the mortgages the small print. It is here that they can catch you, so looking at fees will enable you to know if it is really suited for your needs now and in the future. (Kozsun Huseyin)

How Insurance Money Online Can Help You With our Weightless

I was going to some research online to bring the latest solve problem on Weight loss. As I came a cross this story I’m about to share with you and also give you my easy was advice.

The lady is 18 years old and has been struggling with his weight though out her entire life. During peak highest last winter she weighted 160 lbs, and being 5'5 that is rather pleasantly plump. Though she was advice by health doctor to put in a lot of works and she was able to get down to her regular weigh of 145. She has weighed 145 since the 6th grade, so her body weight was actually "normal".  According to her, she hated it a lot that she almost over drugs.

Weight Loss advice to the lady in question is stick to the following things as it will help you to reduce your weight.

1.    If you can try Met shots by ANOVAs, it will be the most effective for you personally thou are natural and they work perfectly.
2.    Constant exercises can also help to quickly reduce your weight and you most keep to the exercise theory and practical.
3.    The best part? It has twice the protein of regular counterparts and that means it can keep you feeling fuller much longer than other yogurt (which makes you less likely to overeat. A special straining process removes all the liquid from Greek yogurt which leads to its thick, rich texture (and its lower calorie-content!).
4.    o lose weight it is essential to pay attention to food labels. Counting calories is impossible without this skill. You should know how to find a food's caloric content and its serving size. Comparing labels among different foods and beverages is crucial for making the healthier choices required to lose weight.
5.    You can help prevent overeating and maintain blood sugar levels by eating something about every three hours. Getting too hungry will backfire on your efforts to eat healthy and practice portion control. Aim for a healthful, satisfying snack, such as an apple and some reduced-fat cheddar cheese. Eating more may seem counterintuitive, but smart snacking will help you lose weight.

After trying www.insurancemoneyonline.blogspot.com  she was on pretty good shape.
Then in my month, she was p90x doing the doubles routine which adds a cardio routine with the resistance exercises. She has been working my too off and have seen great improvements with toning and building muscles but  she still want to maximize fat burning and weight loss.
You was also advice to stick to a high fiber/protein, low fat diet, don’t even  drink soda and the only dessert to eat is fat free frozen yogurt, maybe once a month and exercises like running and jumping can help effectively.

How to Save Money On Your Mortgage Payments

Saving money and paying off loans on your mortgage may not be a usual pairing, but it can be done. This usually entails a bit of deliberation on your future mortgage payment. You have to look at the general picture instead of what you can have at the moment. Here are a couple of tips on how to save a lot of money while paying off your loan.

As much as possible, you have to scout around and avail of loans via a prime lender. A prime lending company can offer you the best mortgage rate. This means that you have fewer payments due and more benefits to gain as opposed to loans from sub-prime lenders. As you know, sub-prime lending companies (for bad credit and such) tend to charge exorbitant fees for their loans, as a guarantee against possible non-completion of payment.

Scouting around and availing loans from prime lenders may sound easy enough to do. However, according to recent market studies, a number of people are actually making a beeline to the sub-prime lenders instead. Why? People simply assume that sub-prime loans are all they can handle. These are the people who: at one point or the other declared bankruptcy; missed multiple payments on other credit companies; are paying off a number of other loans; etc.

Low credit score is not synonymous with bad credit. There are also some people who do have (or have had) bad credit rating, but with a credit score that is on an acceptable plateau. In which case, there will always be one or more prime lending company that will accept their business.

If you are indeed looking at sub-prime loans, it would be best to check your credit score first. You might be pleasantly surprised to find that some prime lenders will accept loan applications from you despite your low rating. On the other hand, if your credit score does not qualify for prime loans, you have to at least make sure that you are choosing loans from sub-prime lending company with the largest possible down imbursement.

Calculate your risks beforehand. Who among us have never been enticed with such engaging promises of great pay-outs for the mortgage we have now? Unfortunately for most of us, we learn the pitfalls and drawbacks of our current loans a bit too late.

The rule of thumb here is: never fall for the first loan that comes your way. There will always be a better deal somewhere. If you are not at all familiar with the ins-and-outs of mortgage, mortgage rate, and mortgage payment, you may want to hire the services of a lending officer or financial adviser. These pros can lead you to the best deals in the market.

However, if you would rather do this on your own, then you should really take your time analyzing all aspects of the loan: from the loaning company, right down to the last payment you have to give. These days, it is easy enough to figure out just how much money you are to gain in a loan and eventually shell out for its payment. A mortgage calculator is an invaluable tool indeed, and a great number of these are free to download from the web and use at your convenience. More specialized tools like the mortgage rate calculator and the mortgage payment calculator are also downloadable free of charge. (Apostol Lucian)

Mortgage Acceleration Made Easy

Wednesday, July 22, 2009 at 7:06 AM Posted by Admin

Wouldn't it be great to be debt-free? The American dream of homeownership has traditionally come with a 30-year mortgage. Add to that credit cards, car loans, college tuition, and the average consumer is drowning in debt. Over the last few decades this has become our way of life, buy now, pay later.

But with the dramatic meltdown of our financial industries over the last few years, people have begun to make a paradigm shift toward reducing debt rather than getting in deeper. Since the mortgage is typically the largest and longest-term debt people have, it is an appealing target to eliminate. The big question is, what is the best way to do that?

Logic will dictate that in order to pay off a loan faster, you either have to make additional payments, or pay more than required for each payment. So in order to make this work you have to have some discretionary income. We need to start realizing that if we pay off our debts faster, we not only save a lot of money in interest; we save more money than we pay in.

For example, if I send in an additional $5000 with my first payment on my 6% $200,000 30-year mortgage, that will save me $28,304 in interest. When I take out my $5000 payment, my net savings will be $23,304. It also shortens my 30-year mortgage by 22 months. I can continue doing this over and over, as I do the time and money savings compound.

But will I have the discipline to do that when the great deal on a new 60" HDTV comes along? And does it make sense to put all my discretionary income toward my debt, even if I have the self-control?

This is where a good mortgage acceleration program comes in. By utilizing financial concepts that have been used by Fortune 500 companies, you can dramatically reduce the amount of interest you pay, as well as the time needed to pay off your debts. With this strategy you don't have to make large changes to your spending habits; you merely change the way you do your banking. Homeowners can pay off their mortgage in only 6-15 years, and save tens of thousands of dollars in interest. And you don't have to stop there; you can include any other debts you have in the program.

You can factor in building up an emergency cash fund of three to six months income -- something that financial planners universally suggest. And yes, if you just have to have that 60" HDTV you can even include that in the program! Yet doing so will show you the ramifications of that choice in terms of how much longer it will take you to get out of debt. And possibly when you see the difference, you may decide that your old 42" is perfectly fine.

Obviously the more things you want to do, the more discretionary income you will need or the longer it will take. But using this program allows you to test different scenarios and see the results for yourself! The program contains an algorithm that systematically creates the highest interest savings possible in the least amount of time. Each individual, due to the uniqueness of their situation, requires a custom plan to achieve optimal results. Plus, if you make additional payments on a conventional 30-year fixed-rate loan, you can't borrow that money without taking out a home-equity line of credit or a home-equity loan. With the mortgage accelerator program, you already have the line of credit in place. That gives homeowners confidence that they can be aggressive in paying their mortgages and still have money readily available if a financial emergency comes up.

Using the example of the 6%, $200,000 30-year mortgage, you could save over $160,000 in interest charges by using a mortgage acceleration program. This is what I call preventing an unintentional wealth transfer, where you transfer your wealth to the bank. Imagine what a difference you could make by investing that $160,000 into to your retirement plan rather than giving it to the bank! (Garry Richardson)

Mortgage Insurance Can Rescue You and Your Home

Saturday, July 11, 2009 at 11:29 PM Posted by Admin

With unemployment approaching 10%, there are an increasing number of foreclosures happening because of loss of income. When someone loses their job, statistically they are dramatically more likely to miss payments on their mortgages and fall into foreclosure. It’s estimated that there may be between 2 and 3 million foreclosures in the US in 2009. To help guard against losing their homes, many Americans are buying mortgage insurance policies to protect themselves in the event of a job loss, injury, or either financial setback.

A homeowners insurance policy protects the homeowner from having to pay damages due to an accident, theft, or act of nature. A mortgage insurance policy protects the lender from loss and protects the policy holder from losing their home. If you lose your job or fail to make your mortgage payments for any reason, you mortgage insurance policy will kick in and start covering the payments to your lender.

Mortgage Insurance: The Benefits

Mortgage insurance offers several benefits such as: prevents the homeowner from losing their home, protects the lender from lost payments, allows buyers to buy a home with less than 10% down, and allows home buyers to buy a property sooner since there is no need to wait for a full 10% down payment. So not only doesn’t it provide the security of knowing that you will always retain your home but it can allow you to purchase a home sooner with a smaller down payment.

It’s Important to Act Ahead

It may be a very unpleasant thought to think about, but you should always be prepared in the event you or a loved one loses their income and it puts your financial security in jeopardy. Investing in a solid mortgage insurance policy can provide the peace of mind and the safety net you need in these tough economic times.

It’s always recommended to compare quotes from multiple different companies to find the best rate. Using a service like InsuranceAgents.com you can compare up to five mortgage insurance quotes and compare them to see who has the best offer. (Tom Lustina)

The Weight Loss Pattern With Nigerian Diet

You might have noticed that here in Nigeria it is quite difficult to get the right type of food to incorporate in our diets since our foods are not really found on the web. Which foods to eat to help us lose weight and burn fat, and which foods to avoid. Generally we would try to avoid food that are rich in simple carbohydrates, and embrace those rich in protein.

However, below is a list of various kinds of foods to decrease your intake of when trying to lose weight using the Nigerian diet? Note that I did not say you should completely stop taking them, but try to reduce them to the smallest amount possible! The Nigerian Diet consists of various kinds of food, but majority of our foods, especially for the Yoruba’s, are oily, and starchy!

Foods to decrease intake of in the Nigerian diet include:

1. Pounded yam: popularly called iyan, contains a lot of starch. Try to reduce intake of this.
2. Amala: made from the back of the yams so is pretty much starch too.
3. Garri: simply just cassava flour! Its known to be one of the promoters of big flabby tummy
4. Tuwo shinkafa: pounded rice so more or less contains as much carbs as white rice.
5. Soups: I suggest you avoid Nigerian soups when you are trying to lose weight because most of them contain so many oils. However some soups like okro soup, if cooked without oils can be very very good to incorporate into your weight loss program using the Nigerian diet.
6. Ofada rice, white rice
7. Akpu, also another cassava product, which is high in simple carbs and intake of it should be reduced. Akpu is also known to promote bulging tummies!
Please note that you should not totally eliminate the above carbohydrate foods from your diet, but try to limit intake of them to as little as possible.
Foods to increase intake of in our diet include:
1. As always, Beans. This contains high amount of protein, and are good building blocks for muscle. They are also one of the fat burning foods
2. Fish: Fish is very high in protein content
3. Fruits: Water melons, apples, oranges, bananas, etc
4. vegetables: with very little oil in it. vegetables are high in fiber content.
5. chicken and turkey: try peeling off the skin before taking these!
6. ukpa (of ibo origin) also high in protein content.
7: bean cake: moi-moi.

So now we can see that despite the fact that our foods are not really listed and classified popularly, there are various foods we can eat to lose weight!

When I started my weight loss program it was a hard task. Avoiding rice and eba was a very big deal for me, but I knew I had to do something about the tummy. so I stuck to eggs for breakfast, beans for lunch, vegetables for dinner, and fruits in between. Those weeks seemed like the hardest in my life, but within a short period, I began to see results!

Click here to know more about weight loss and Nigerian diets. Weight loss is never as difficult as it seems. Its just about knowing what and what to do

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