We recently had the opportunity in my finance class to do something different.  It was our job to create a marketing campaign advertising the Internet as a financial tool.  Specifically, it was to advertise that you can get financial services online and how to go about getting them.

We were split up into groups of five and sent out to work on this task.  Our group ended up in a conference room and began to brainstorm.  We came up with a couple of tasks that you could do online such as look for the best credit cards, and compare bank accounts.  We were gearing our presentation towards these topics when Michael brought up a good point: what about cheap car insurance? 

We realized he had stumbled on gold.  With the amount of advertising on television about going online to get car insurance, it was a no brainer.  Since this was the first meeting we all decided that we would get together once a week and use email to communicate with each other.  Seems like our group will work well together.  Till next week…

Just like pretty much every other day, I logged into my bank account to see what the balance on our accounts is.  After a quick peruse to ensure that everything was ok, I decided to take a look around at the site.  Seems there was a notice outlining what new services the bank was providing online.

On a quick aside, it doesn’t seem that long since I started to bank online.  I can remember as a kid going to the bank with my mother and speaking to a teller - a task that I still continued up to two years ago.  It was at that time that I moved from my bank to another - both to save fees and to save time by not visiting a teller.

Alright, back on topic.  It seemed that the bank added a few more services to the already large number of services the bank offered.  First off, I noticed that I could apply for a mortgage online.  That is a far cry from the days that you needed to go and make an appointment.  This is handy for me should I want to buy an investment property and I don’t have the time to go talk to my banker.

Speaking of mortgages, you can also do a home refinance on your home, should the interest rates drop.  We have also been considering renovating our bathroom, and I can even apply for a home equity loan online too.

Check out what your bank offers in terms of financial services online.  You may end up pleasantly surprised like myself.

Well, I have been studying all week for the exam tomorrow.  It is that time of year that everyone loves: midterms.

Most of my classes should be really easy.  The only class I am really focusing on is my finance class.  My reasoning for this is I would like to be a financial planner someday.

I have been creating a cheat sheet of sorts, to help me study.  You can find the most common financial definitions on there, formulae, and other nifty things.  For example the section on loans covers unsecured loans, mortgages and others.

There is also some details about car loans and depreciation.  I have also prepared for the essay question on the exam - cheap loans: considerations and pitfalls.  Thankfully, we can bring the paper in, so it won’t use up the time we have to write the exam.

Alright, enough chit-chat, back to studying for me.  Wish me luck!

I am going on a trip in the next few months and I need an emergency fund.  Even though I have been saving money, I don’t feel too comfortable taking it with me.  So I have decided I am going to get a credit card.

Now, I don’t want to settle for second best, rather I want the best credit card.  This has meant that I have had to look at many credit card offers.  Unfortunately, my bank couldn’t do that for me - they could only show me the cards that they offered.

So, I turned to the Internet for the answers I needed.  I scanned through the cash back credit card offers to find one that would work for me.  Even though the 0% credit cards were tempting, they just didn’t give me what I needed.  I had no plans to carry a balance on the card anyway.

I found one that I liked, and filled out the application.  According to the site, my card will be here within five business days.  Once I get it, I can book my hotel room for my trip.  It is so close, I can almost taste it…

If you live in Denver or you are thinking about moving to Colorado and you need to secure a great deal on a mortgage loan, then your best opportunity to get a low rate is to compare 3 or 4 lenders quotes. Shopping for a mortgage loan can be very complex.  We found that there are a number of sites that offer comparison shopping and used a service offered by LoanNetwork.com where they actually had lenders contact us with there mortgage quotes. It was super easy to shop for a mortgage and helped us save a ton of time in trying to compare offers. Comparing refinance and purchase home loans for closing costs, interest rates and programs has never been easier. The site offers free mortgage calculators, a forum to ask their expert response team and offers mortgage loan quotes for all 50 states including: Colorado Mortgage loans, second mortgages, equity loans, interest only and deferred interest mortgage programs.

I am looking into many forms of investments now a days. From everything from stocks, bonds, CD’s, 401k’s, money markets even into forex. The one I was fascinated yet least understood was forex. I see that there is much to gain in such a great investment.

I soon realized that I needed to look into finding some forex Brokers. I found out that many forex Brokers use the same tools with the exception that many differ in processing fees. Many will offer basic lessons on online training and may do so via email. You will need to open an account and make a deposit. Some brokers will offer a simulated program with a practice amount of $50,000. The broker will usually have 24 hour customer service. You may also want to check and see if the broker has a reliable security system. You may want to check as well with the broker to see if they offer any of the following:
-Live training with one-on-one help Credit Card or PayPal use for instant Deposit,
-Guaranteed Stop-Loss Rate Freeze the Rate you see (Freeze&Trade),
-No hidden costs,
-Competitive spreads Special Terms for frequent traders,
-No download to software,
-Live Quotes,
-real-time Full Transparency Security and Safety.

Once you have found the proper broker, you will need to follow up on the in’s and out’s of forex trading. One should do their homework before venturing into the forex market. There are a few ways to do so. One is to practice using an online forex trading systems demo. Practicing using the demo will help you learn forex trading. It will also help you to learn how to enter a trade, stop-loss, and how to limit trade-margins. And most of all do your homework on forex. Be sure to gather enough information to make an informed decision. After doing some reading I found on forex trading there are 5 important and necessary questions to ask yourself before entering a trade.
-How much are you will to lose/make or risk?
-What is the difference in the profit/loss possibilities?
-Is the market crazy or calm?
-Why do you feel that your trade is sound or reasonable one?
-Why do you feel so strongly about your trade?

It is vital for one to get proper currency trading education. You may use the forex trading demo’s and do your proper research. But there are many resources out there to help with your research. There are many currency trading education courses as well as currency trading education eBooks and currency trading education articles.

I don’t like the plans of some of the credit cards I applied for so I’m looking into more credit cards with 0% balance transfers. I’m finding a few more I may apply for and I’m keeping track of credit card news. Hope I get accept soon.

APR is so high on some of these cards. With the amount I pay back I can buy another car! I mean sheesh….good thing I found some more links. Credit cards are good and bad. I’m only gonna use this for the holidays and shopping for the relatives. I can afford the gifts….if I had saved up a month in advance.

I ran out of money this holiday and my next paycheck isn’t coming till next month. That’s after the holidays! That’ll do me no good so I’m going to look into credit cards now. I decide 0% balance transfers is exactly what I’ll want in a credit card so I decided to google that specifically.

I also am looking into buying a new car and I don’t know if I want to put it all on credit. Now I’m looking into loans. I might get a nice new jetta when i get enough.

Maybe I’ll skip the idea of getting a car and get a better house. I need a new house. I don’t have enough so I’ll look in mortgages.