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Adam J. Heist's Articles in Finance

  • Your Richmond Home Mortgage Loan
    Full of history, the city of Richmond, Virginia traces it origin back to the early days of the Virginia colony when it was settled along the banks of the James River.
  • Your Home Business and Your Taxes
    With the internet in its phase two of a bubble, the growth in home businesses has been large as well.
  • You Can Save On Gasoline!
    Over the past year you have probably seen countless numbers of articles giving motorists advice on how they can save on their fuel purchases
  • You Can Save Money On Your Textbooks
    If you are a college student or even a student enrolled in public or private school, you know that the cost of textbooks has been shooting through the roof
  • You Can Retire Rich
    Claims that you can retire rich seem farfetched to some folks, especially those working what some perceive to be dead end, blue collar type jobs
  • You Can Make Money With Your Blog
    Are you a blogger? Do you own your own blog? If you answered yes to both of these questions, then you need to know that you can make money off of your blog, good money at that
  • You Can Keep Your Finances Organized
    Part of deal in managing your personal finances is to keep everything well organized. This means that paperwork is in place and copies of everything are readily accessible
  • You Can Get Your Annual Fee Waived
    One significant way that banks make money off of you, the consumer, is to charge you an annual fee for a particular service such as a credit card
  • You Can Get A Cash Back Credit Card
    A cash back credit card is a novel idea; one that was first offered by Discover and then copied by Visa, MasterCard, and American Express
  • You Can Escape High Credit Card Rates
    Consumers are shocked to learn that their credit card rates are much higher than they were just a few months ago.
  • You Can Afford a Maine Home
    As the eastern most of the lower 48 states, Maine is nearly in a category all of its own with more French speaking residents then any other state.
  • Will Real Estate Hold Up? Take a Look at Florida
    Is it interesting how a huge financial bubble can be created? Is it something that just happens? Are there dark forces behind it?
  • Why We Have Bad Financial Habits
    There are so many things that we all do on a regular basis even though we know that we should not be doing them
  • When Payday Loans Cause Grief
    Sheila Allen is a divorced mother of three, working to make ends meet and receiving only the occasional support from her ex-husband to keep her kids feed, clothed, and a roof over their heads.
  • What Happens After the Bubble
    Real estate prices have fallen across the United States, and most rapidly in the location that were the parts of the real estate bubble going up the most rapidly in the last five years, such as Florida, Arizona, and the Boston, Mass. area
  • What Determines the Stock Market?
    Stocks are a way to obtain a share of ownership of a corporation. They are used both as long-term investments and as speculative investments
  • What Are Guaranteed Personal Loans?
    Is there such a thing as a guaranteed personal loan? Well, sort of. First of all, there is no guarantee of you receiving any loan apart from the official approval of the lender
  • What Are Charity Credit Cards?
    You’ve heard the term “charity credit cards” but you may not have known what it meant
  • What Are Bad Credit Bank Accounts?
    If you have a bad credit rating, then you know restoring your credit to a good or excellent rating is essential in order to get the best rate on loans possible
  • Ways to Avoid Identity Theft
    Identity theft continues to grow as a big problem all around the world. From Frankfurt to Toronto and from Nairobi to Sydney, consumers the world over are finding that their very identity are being stolen and reused
  • Watch Out For Hidden Moving Costs
    Not all moving costs are apparent and they can sneak up on you when you are most vulnerable: your home has been sold and you are ready to move to another state
  • Want To Know If Day Trading Is For You?
    Day trading can be a very dangerous form of financial speculation, but it is going on from PC all over the United States and the world
  • Valuable Tips to Save Tax
    No one likes paying taxes, it doesn’t matter how the taxes are used in improving the quality of our country.
  • Understanding the Debt Settlement Process
    This Brand New and Innovative Software can rewrite any article and make it Unique!
  • Understanding How to Look at a Business
    Understanding whether a business is doing well or poorly, is not a transparent thing.
  • Tumbling Home Sales Can Work to Your Advantage
    Not everyone is upset that home sales are dropping sharply in some markets. Sellers, realtors, and mortgage lenders are, but buyers certainly are not part of that group
  • Tips for Getting Your First Credit Card
    If you never have had a credit card before and are desiring to get one, there are some things you must know before applying for one.
  • Things to Check If You’re Starting a Business
    Many businesses need licenses to function and indeed, to be legal. If you want to buy and sell real estate you need a real estate license, likewise for insurance, stocks and bonds, etc.
  • The Terrific Advantages of Online Banking
    The whole notion of online banking was just a dream a generation ago. Yet, even then the seeds of online banking had been germinating in the form of automatic teller machine networks that allowed consumers to withdraw funds from various locations around the country, around the world as a matter of fact.
  • The Outlook of the Real Estate Market
    There has been a definite slump in the prices of houses for sale. This has been compounded with a tendency this year for the dollar to go down some 11 percent this year in relation to the Euro.
  • The Mergers and Acquisition Wave Hits
    There is a wave of mergers & acquisitions hitting Europe and other places.
  • The Many Benefits of A Debit Card
    Having a debit card as part of your financial portfolio is a wise choice, one that has many benefits that go beyond simple convenience.
  • The Highly Lucrative Payday Loan Industry
    A generation ago the payday loan industry didn’t even exist. Its predecessor, check cashing outlets dominated the market, but it took the rise of the internet to bring the payday loan industry to the forefront
  • The Free Market and Tax Evasion
    Law enforcement officials have had a difficult time cracking down on offshore islands and countries that aid investors in concealing income and tax evasions
  • The Credit Card Debt Sector Both Sides Now
    Credit cards are used by hundreds of millions of people and are very convenient, with some added perks like cash back for certain purchases
  • The Benefits of Debt Settlement Companies
    Debt settlement companies could be blessings to people who are reeling under heavy sums of debt.
  • The Advantages of Short Selling Your Home
    A short sale of your home means that you will dispose of your property to a buyer before it is foreclosed.
  • Tax Haven at Dubai
    Dubai is seen as a “no-tax” emirate, with lots of connections to the rich in India.
  • Take Your 401(k) With You!
    If you have left your employer to pursue another job then there is something you should consider taking with you something that many employees leave behind: their retirement plan.
  • Student Credit Cards Are Smart!
    Allowing your adult child to apply for their own credit card can be a wise choice, particularly if they are in college and starting to find their own way in life.
  • Student Credit Cards and Credit History
    When a student applies for a credit card, oftentimes it is parents that object. Worries about being hit with a huge amount of debt is a valid point, but unfounded.
  • Stock Options Continue, Despite Scandals
    The stock-option backdating scandal has hit over 150 companies nationally as of October 2006.
  • State Funded Child Health Insurance
    There is no need to stress how important healthcare is for children. To add to this, in the US, there is no federal or state blanket medical coverage for children.
  • Start Saving with a Savings Account
    Everyone wants to be rich and in order to do so we have to be wise with our money. The first thing that we need to do is make sure we save some money every month
  • Some Debt Is Actually Good
    When you hear the word “debt” it can seem as if it is being uttered in the same breath as “sin” or “evil” or some other word that conjures a negative response.
  • Smart Ways to Trim Your Mortgage Expenses
    If you were to add it all up, by the time you paid off your mortgage loan after 30 years or so of payments, then your interest and principle costs would amount to more than two times the price that you paid for you home, even more than that if your mortgage rate is higher than the 6 to 7 percent common today
  • Smart Reasons to Have A Prepaid Debit Card
    A prepaid debit card is a card that is not tied in typically tied in with a bank account. Instead of linking to your account, you obtain the card and deposit money to use later on.
  • Small Business Owners Marketing and Customer Service
    Marketing can be time-consuming, but it doesn’t have to be hugely expensive now, thanks to the Internet.
  • Should You Purchase Your Health Care Coverage Online?
    If you are in need of healthcare perhaps you have been charmed by sites offering you free health insurance quotes for you and/or your family.
  • Should You Pay Off Your Mortgage?
    If you have a mortgage on your home, then paying it off early could be option for you to consider especially if the remaining debt is manageable.
  • Should You List Your Pending Foreclosure Home Online?
    When facing foreclosure, you may be considering different ways to avoid action being taken against you. One way is to immediately list your home with a renowned realtor in the hopes that she will bring the right buyer for you
  • Setting Up a Small Business
    It can be scary to set up your own business, even when you know what you’re doing.
  • Sensible Money Management Tools
    If you are struggling to pay your bills every month, then you are not alone. According to many consumer experts, as much as two thirds of all consumers find it difficult to get beyond living from paycheck to paycheck.
  • Seeking Value in Commodity Speculatio
    With the decline of the value of the dollar by over 10 percent over the last year, the need for items of long-term value is increasing.
  • Seeking Relief From Your Mortgage Lender
    If you are behind on your mortgage one area of relief can come what may seem to be a strange place: your current mortgage lender. Yes, contrary to what you may think, your mortgage lender is your best friend when it comes to paying off your mortgage. Read on and you’ll soon learn how to work this relationship to your advantage.
  • Secured vs Unsecured Loans
    Let’s face it: at some point in your life you will probably have to borrow some money. Whether to finance a new car purchase, pay for your kid’s braces, or buy a new home there are times when you will need to get money from an outside source.
  • Save Money on Your New Car Purchase
    If you are in the market for purchasing a new car somewhere in the mix of that decision is how you will actually pay for the vehicle
  • Save Money on Your Home Heating Bill
    With fuel prices surging, this winter’s heating bills are certain to rise accordingly. For many consumers higher prices to heat homes will take their toll on budgets
  • Relating a Company Statistics to Its Operation
    There is a lot of material out on the information highway on what companies are doing.
  • Real Estate Markets in Danger
    The housing market since 1992, and at an accelerated pace, since 2001 has been going rapidly up.
  • Raising Capital for Your New Business Explained
    Then, there are those businesses that lose money year after year, and it can be a mystery how they continue to amass investment capital and continue to grow.
  • Protection from Mortgage Scams
    Almost everything financial is a victim of some kind or other of scam today, and quite often it is very difficult to recognize a scam deal from a genuine one
  • Protection during the Holiday Season
    It’s that time of the year again. Everyone is going for the last minute grabs at the stores for their holiday shopping
  • Principles of Prosperity
    There are those who are rich and then there are those who are not. What is it that makes the difference? It isn’t intellect because I know one too many fools who are wealthy
  • Planning Your Household Budget
    Writing out a household budget can be a complicated thing. While some people just look at their immediate rent or mortgage, food, transportation and entertainment budget, there are many more factors in a family budget
  • Planning Your First Home Mortgage
    It isn’t a simple task to buy your home on a mortgage, especially so if it is your first home.
  • Planning a New Business Explained
    Planning to start a new business can be like a leap into the unknown. Obviously, if you want to start a new business, you should go into something that you are familiar with, or can find out about in a relatively short time
  • Own Your Business and Get Sizable Tax Deductions Too!
    For entrepreneurs who are running their own businesses and even for those who are planning to set up their own businesses, the self-employment tax deduction could be a huge blessing.
  • Offshore Trusts Used to Protect Income
    It seems that overseas trusts, in order to shelter your money from taxes, are expensive to run.
  • Making the Best of a Reverse Mortgage
    Going in for a reverse mortgage requires a lot of planning. The pros and cons of getting into a mortgage when almost all the responsibilities of life are accomplished are to be thought about very carefully.
  • Making Sales Business-to-Business
    You make the sale to a business by understanding what kind of business that you’re dealing with.
  • Looking at Business Profits and Losses
    You will be focusing on what your prospect worries about every single day. Frame your discussions around your understanding of these, and you become a “trusted advisor” rather than just a sales person.
  • Loan Lingo – It Pays to Know
    It is not advisable to make an application for a loan without knowing the correct jargon that is used in the market
  • Keeping Records for Your Business
    Keeping records for your business, whether a small one-man self proprietorship, or a business with dozens or employees, can be both necessary and helpful to your business
  • Keeping Records and Paying Taxes
    It is necessary to keep adequate records to find out how your business is doing and what sort of profit you are actually making after expenses
  • Junk Bonds and the M & A Craze
    The merger mania is back now even at a higher level than during the days of Michael Milliken and junk bond mania.
  • Jumpstarting Debt Reduction
    If your financial debts have been getting you down in recent times there are a variety of tips that I am about to share with you that you can use.
  • Investing in Real Estate – To Do or Not to Do?
    Even among people who are not so interested in financial matters, the idea of investing in real estate is very prevalent.
  • Insurance and Other Factors for a Successful Business
    You need an idea to fill a need for goods or services to start a new business. You could be setting up an import-export firm to import or export goods that one area has difficulty in getting and the other area has an abundance to export, but you have to take into account routine factors.
  • How to Read FOREX Signals
    The time taken in monitoring the investments at the FOREX is one of the prime deterrents for new investors in the exchange
  • How to Deal with Roof Exclusions on Homeowners Insurance
    Homeowners generally rest assured thinking that with their homeowners’ insurance their homes are fully protected.
  • How Health Insurance Brokers Work
    A health insurance broker is one who makes contact between people who are looking out for health insurance policies and the companies that are selling them
  • How Credit Scoring Helps
    Credit rating is not just a means to judge your financial reputation; it is a valuable tool in getting low interest rates with loans and insurance policies
  • Home Business Opportunities Are They For Real ?
    Many people today look to the Internet to create an income stream for them. This can be much more difficult than it looks with the huge amount of websites set up, the struggle to get a good position on the search engines, and so on.
  • Hedge Funds and M & A’s
    The merger mania is continuing, with many firms in the United States and Europe being bought up by hedge funds.
  • Hedge Fund Frenzy
    Hedge Funds are a bit funny; you have to pay 3 to 4 percent for management fees and other fees, plus about 20 percent of the profit, yet more and more people are crazy about them
  • Have You Claimed All Your Small Business Tax Deductions?
    If you are running a small business, then you need to know all the heads under which you can claim business tax deductions
  • Go Global by Investing in Foreign Currencies
    Since the dollar has fallen from 2002 many investors have opened their eyes to opportunities in foreign currency trading.
  • Gifting Financial Fortune
    Being the season of giving and receiving gifts it is appropriate that we take a look at what we have been giving and what we have been receiving.
  • Getting Insurance for Your Business is Worth It
    Getting the proper insurance is a necessary expense in running your business. Various types of insurance policies are also extremely helpful in attracting and keeping good employees.
  • Get Help Shopping for Healthcare Plans
    Health insurance is one of the basic requirements in today’s medically expensive world, but the process of taking a suitable healthcare plan could be a harrowing experience for most of us.
  • Find Capital for your New Business
    Say you have started a sole proprietorship business, in which you use your knowledge and skills to earn an income
  • Financing Education through School Loans
    Needless to say, education is one of the prime assets of any individual. A person without an education can go nowhere in life and especially so, in today’s world of rapid competition.
  • Financial Operations Analysis of a Company
    percentage of a company’s assets is fixed assets versus liquid assets? We need to know how much is being invested in the company over the long term.
  • Finance and The Power of Compounding
    The simplest and most powerful tool to understand when investing is the power of compounding.
  • Eliminating Risks of FOREX Investing
    It is quite unwise to remain under the notion that FOREX trading is free of risks; just as some websites would have you believe.
  • Do Your Profits Pay for all Your Overhead?
    Business people can fool themselves often about what their profits really are. Profits are not only cash available that you can spend as salary and reinvest in a business.
  • Debt Management – Managing your Emotions AND you Debt Too!
    Money makes the world go round they say. But it is people who make money make the world go round I say
  • Debt Management – Loan Refinancing
    Everyone falls into debt at some point of there life. A lot of these people also get their debt refinanced in order to reduce the interest cost
  • Debt Management – How Does it Work?
    What is debt? Sounds like a dumb question? If it was would so many people be getting debt wrong?

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