Money Market Tip - Dividend-Paying Stocks May Lead a Trend

Dividend-Paying Stocks May Lead a Trend: "The emerging leadership of dividend-paying stocks has some market watchers spotting a broader trend: With earnings growth on the decline, there's renewed interest in what was once considered an old-fashioned investment."

"Back in the old days, people bought stock for the dividends," Kleintop said. "It's only been in the last couple decades people focused more on stocks going up than what they paid in dividends. And now that may finally be reversing."

Money Management Tips - If Real People Ran the Bank - I (a spoof for the heart)

If Real People Ran the Bank - I (a spoof for the heart) by: Lynella Grant

Banish Loans Forever

If ordinary, hard-working, people ran the bank... the very first thing to get rid of would be loans. Absolutely no more loans!

Because once they’re gone, there wouldn’t be any more:

* Due dates
* Interest charges - at any rate of interest
* Late fees or penalties
* Liens
* Applications or rejections
* Credit reports [Old joke - If it weren’t for bad credit, I wouldn’t have any credit at all
* Playing catch-up month after month

And that means all the related emotional frustrations vanish as well. That would certainly make a lot of people happier. Don’t you think?

Instead of lending money, how about just giving it away? That should make everyone happier still.

Imagine a bank saying, "Help yourself - and never worry about paying it back." If it doesn’t matter whether money ever gets repaid - there goes accounting and bookkeeping. There goes financial records. There goes debt - along with bad debt. But that’s not a stretch for a bank that re-writes the rules. If you thought familiar bank policies were cast in stone, think again.

Up with Emotional Solvency - Down with Debt

A whimsical bank that just started on the Internet eliminates debt and loans. Won’t touch ’um. No way, for nobody. That’s because it rates a person’s emotional health higher than their financial wealth.

This quirky website places more value on emotional solvency than wealth accumulation. Huh? How’s that possible? It’s the logical (illogical, more like it) outcome of putting feelings first. And its other policies are equally unprecedented and unique. http://www.joyfulbanker.com/goofypoliciesdept.html

The Joyful Banker is a parody of all things financial. It just wants to make you happy - and it wants to keep money worries at bay (even if only for a little while). It exists solely to amuse and delight. To make people feel both generous and rich - with access to unlimited money (admittedly funny munny). This site delivers a high level of frivel (wordplay), giggle, and absurdity in the process.

People are More Valuable than Money... Really

Joyful Banker’s avowed purpose is to deliver joy and up-beat energy to all comers. But it can’t pull it off without putting money in its rightful place - which isn’t first place. Or even second. This is the only bank on the planet devoted to what’s really valuable - relationships, generosity, kindness and joy.

Joyful Banker is the Mother Lode of Binkle Lore and Wisdom

A binkle is the energy that’s created when people really connect with each other, with nature, or
anything that inspires. It’s the zizz of energy one feels. Although the word is new that feeling is not. It’s been part of every profound or happy experience you can remember. That sensation is always called something else: love, awe, the thrill, peace, inspiration, etc. But the energy of that moment is binkle energy.

This joyous website is devoted to increasing binkle energy in any way possible http://www.joyfulbanker.com/binklepage.html It’s not hard to find binkles showing up anywhere - if you’re looking for them. Can’t have too many. But if you run low, just come beck to fetch some more.

Probably should warn you - it’s addictive. The zizz of binkle energy keeps you constantly alert for how to get more more. And if you can’t find any... that’s a downer. But a moment of caring and sharing is sure to get them flowing.

The Binkle Standard Simplifies Your Life

1. Spend MORE of your time and attention with people (or activities) that give binkles

2. Spend LESS time and attention on people (or activities) that drain binkle energy

3. Pass it around! Leave a trail of binkles wherever you go

That’s it! But the rewards you feel cannot be exaggerated. Playing "spot the binkle" sure beats a Do List when it comes to banishing stress. Not to mention, it attracts some pretty nice people.

There are still a few bugs being worked out. The funny munny is just for fun. Not to knock fun, but you can’t use joy bucks to pay the phone bill.

Come to the Joyful Banker for Binkles and Joy

Anyone who comes to the website has an account (their email address), so can partake in the Unlimited Withdrawals or Open Vault policies. This is one financial institution that won’t leave you empty handed. Or empty hearted, either.

© 2005, Lynella Grant

This is Part 1 of a 5-part series.

Read the rest http://www.joyfulbanker.com/articles.html

About The Author
Lynella Grant - The Joyful Banker, a parody of all things financial http://www.joyfulbanker.com The funnest, most joyous fool service non-bank in the world. With unlimited withdrawals. Off the Page Press (719) 395-9450 mailto:banker@joyfulbanker.com

grant@joyfulbanker.com

Money Management Tips - Can You Buy Luxury Home Brands Online and Save - Worry Free?

Can You Buy Luxury Home Brands Online and Save - Worry Free? by: Kevin Taylor

Are you frustrated with the high prices you've been quoted for luxury home decor?

What if you could safely take advantage of the great selection and value of online shopping for home decor items that are normally $1,000, $5,000, even $10,000?

Here's some great news for people who need to bring their new dream home or home renovation costs under control.

Multitudes are making the most of their dollars by shopping for bathtubs, bath fixtures, fireplaces, and kitchen fixtures online with "customer first" outlet sites.

Buy only from outlet sites that have taken extra effort to make you feel comfortable ordering upscale home decor brands online.

What you should look for, beyond the great prices, to ensure your high-end brand home decor purchase is hassle and risk free?

Having a clear understanding of the return policies before you buy can make a big difference in your experience.

Luxury Home Decor outlet sites that are looking for lifetime customers have clearly written policies and specified services in these key areas. This information can easily found on their sites under "our policies" type links.

You should also see BBB (better business bureau) and "Verisign" banners on any outlet site you buy from. "Authorized Dealer" is another important statement to look for as you can be assured the manufacturer will honor the warranty.

There is a big advantage to buying luxury bathtubs, kitchen wares, fireplaces, and home decor items online - to find exactly what you need at an affordable price.

It is also great to get a comparative price when you already know exactly what you want based on in-store shopping.

Remember that however great a price may be online, it isn't an apples to apples comparison unless the shipping and return policies are comparable - or better online!

Go to http://luxury-home-decor.maxsvr.com/ for more tips and information.

About The Author

Kevin Taylor is freelance home improvement writer /webmaster in Toronto, Canada. More information on buying luxury home decor can be found at: http://luxury-home-decor.maxsvr.com/

Money Management Tips - How To Rebuild Your Credit with A Prepaid Debit Card

How To Rebuild Your Credit with A Prepaid Debit Card by: R. Sharp

Consumers today are up to their eyeballs in debt. And many people don't realize it until their good credit has been devastated.

As a result, many credit repair agencies are popping up all over the internet, on television and in the newspapers making sweeping guarantees that they can erase your bad credit and remove bankruptcies, judgments, liens, and bad loans from your credit history - forever!

Consumers are flocking to these credit repair clinics in droves. However, estimates show that credit repair companies have defrauded consumers in the United States alone out of more than fifty million dollars.

The truth of the matter is that depending of the extent of the damage to your credit history, the best strategy could be a self help strategy - not giving away hundreds or even thousands of dollars in up-front fees to an agency that in the end may do nothing to restore or improve your credit.

After researching the topic quite extensively, I found one great method that works well for some people is a method I call “beating the credit reporting bureaus at their own game”.

I report about it in more detail on my Prepaid Debit Card Site (www.debit-card-guide.com), however, in brief, this strategy involves taking advantage of signing up for prepaid debit cards which offer a built-in credit reporting feature.

A prepaid debit card is a great solution for a lot of people because the money you spend is your own and in most cases you cannot spend over the amount you have in your account.

This is a good solution for people who may have had difficulties with debt or bankruptcy in the past because a prepaid debit card is a great tool for developing invaluable financial management and budgeting skills.

A major bonus of some prepaid debit cards today is that during the sign-up process you are offered an additional service that will help you rebuild a bad credit history by having your monthly payments reported to one or more of the major credit reporting agencies.

Subsequently, each month your card's issuer credit reporting partner will process your payment record and verify that your payment is properly posted to the credit bureaus' records.

There is a small additional fee for this service each month, however, the fees are minimal by comparison to the sometimes outrageous fees and interest payment some credit card companies charge people with bad credit.

This fee is usually billed to you through your prepaid card each month and enables you to show a continuous history of activity within the credit system.

These prepaid debit cards help you rebuild your credit so you can get on with your life and is just one of the many self-help strategies that I recommend.

To learn more about rebuilding your credit through the use of a prepaid debit card simply do a search in one of your favorite search engines or visit www.debit-card-guide.com for more specific card information.

About The Author

To read more of Ms. Sharp's articles about Prepaid Debit Cards, check out THE definitive guide to debit cards of all kinds including: prepaid mastercards, prepaid debit cards, debit gift cards, mastercards, and debit mastercard at: http://www.debit-card-guide.com.

webmaster@debit-card-guide.com