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	<title><![CDATA[Dreamteammoney.com | Money Forum - Savings, Credit Cards, Loans, Investing, Retirement, Donations, Insurance, Taxes, Mortgages & Home Discussion]]></title>
	<description><![CDATA[Savings, Credit Cards, Loans, Investing, Donations, Insurance, Taxes, Mortgages & Home etc goes here.]]></description>
	<link>http://www.dreamteammoney.com/index.php</link>
	<pubDate>Fri, 03 Jul 2009 04:41:34 -0400</pubDate>
	<ttl>1440</ttl>
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		<title>Mortgage And Home Equity Loans</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=78399</link>
		<description>what exactly equity means?</description>
		<pubDate>Fri, 26 Jun 2009 08:43:25 -0400</pubDate>
		<guid isPermaLink="false">78399</guid>
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		<title><![CDATA[What's Would You Insure?]]></title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=78282</link>
		<description><![CDATA[Talked to my friend the other day and said that she was getting her dog insured. I'm a cat person myself, but I thought it was ridiculous. I mean I take care of my pet but I wouldn't go that far. But then I realize that there are a lot of people who insure pets and a bunch of other stuff.<br /><br />What far fetched thing did you insure? If you haven't what would you want to insure?<br /><br />I'd insure my desktop and all it's hardware and software. I use this to make money and I spend most of my time on it.]]></description>
		<pubDate>Wed, 24 Jun 2009 23:53:55 -0400</pubDate>
		<guid isPermaLink="false">78282</guid>
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		<title>Educational Loan</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=78239</link>
		<description>How to pay back educational loan?As nowadays higher eduaction is very expensive how to get eduactional loan and what are the ways to pay it back.</description>
		<pubDate>Wed, 24 Jun 2009 05:45:07 -0400</pubDate>
		<guid isPermaLink="false">78239</guid>
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		<title>Top Secrets To Make Money In Real Estate Investment</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=78224</link>
		<description>Hey..! Real Estate Investing brings huge profits with no time, provided one must follow certain strategies.In fact there are thousands if not millions of real estate investors who become rich by flipping several types of properties including apartments, condos and commercial buildings. But of course, before you achieve your dreams you have to follow certain tips that may help in handling your business properly.</description>
		<pubDate>Wed, 24 Jun 2009 03:52:11 -0400</pubDate>
		<guid isPermaLink="false">78224</guid>
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		<title>How To Earn Money Online And Get Bonuses From The</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=77702</link>
		<description><![CDATA[When I just launched my Internet shop I faced a problem: What payment system to choose? Surely, first of all I have implemented PayPal. And though I have heard lots of negative things about this online payment system and seen a plenty of the Internet sites like paypalsucks.com one cannot refuse that today PayPal is a leader in a payment processing market and it will be the best way to accept payments in my Internet shop. So, the problem of payment through plastic cards has disappeared itself. Also I decided to choose WebMoney system. Though I should admit that their certification system has caused some difficulties. However, this Russian system is popular thus I had to go through all the difficulties to introduce more payment systems to my website. The third payment system I decided to introduce is Perfect Money. The system is a young enough but I was actually charmed with the site design, its functionality, Multilanguage interface and the feedback I found on the Internet. <br />Neither PayPal nor WebMoney offer any programs for business like Perfect Money does. I remember that when I first entered the site perfectmoney.com I saw a link PM for Business on the main page. Having followed that link I became really impressed by a variety of bonus programs offered by Perfect Money system.<br />I read all the information on the site however I didn’t understand some nuances thus I decided to register with the system. Once having created an account I submitted an application for participation in section PM for Business which I found at the bottom of the page. Frankly speaking it was difficult to find a link to that section and I would advise Perfect Money to move it to a more visible place. To check all the bonus programs for business in practice I decided to apply for all the programs. As far as I understood the system collects all the applications, process them for some time and then makes some decision. In a week after I have filed my applications I received a notice to my e-mail that my application was approved. Having entered the section PM for Business I found some new items in menu such as view statistics, change profile and discount coupons. Now I was to understand how all this worked… <br />The first instructions I received to my e-mail. I received a message with the instructions how to implement SCI to my site. Also there was a detailed description and an offer of Perfect Money administrator to install SCI on the site under the condition that I will provide him with all the passwords. I decided not to reveal my passwords and do everything myself. <br />Also they offered me to place the logo of Perfect Money on the main page of my site and get a bonus for it. The PR of my site is 3 thus they promised me 3 x 20$= 60$ per month. In fact that is not bad for just placing their logo on my site. Actually firstly I wanted to place a logo of PM on my site myself but when I have learnt about the monthly bonus I drew a conclusion that I made a good decision having joined the program PM for Business. <br />Having seen the pleasant changes in the statistics in the section ‘PM for Business’ I started to understand it a little bit. What made me really happy is a system of one of the programs that started paying me 2% for all the inward payments to my account. Not a bad bonus, huh? <br />Later I decided to stimulate my sales and offered my clients a 3% discount for payment through Perfect Money system. This became possible owing to the discount coupon system provided by ‘PM for business’ program. This program helped me in my business and granted me a loyalty of the clients. One should admit that Perfect Money provides poor information on its bonus program and clients should guess everything themselves. As far as I understood they provide an opportunity to create discount coupons that can be distributed among the clients to pay in the shop through Perfect Money system. The number of the coupon and the discount value can be defined individually. So, I have created 3 coupons, different value each, and started testing the program. On my site I found a new field in section Perfect Money SCI. They offered me to complete the coupon field personally. I entered there my discount coupon and to my greatest surprise I have found that they have written off a smaller amount from my account. The percentage equaled the discount I provided. I found it a convenient tool to stimulate my own sales and for conducting marketing campaign on the Internet. <br />Unfortunately I failed to participate in a referral program with the better conditions, however I decided to place my reflink on my site. <br />Also I took part in the program offering bonus for a great number of transitions in the account. Surely, my first bonus amounted at $0,01 didn’t make me happy, however the bonuses grew and my turnover started to increase as well, bringing more and more to me. The goods I sell are expensive enough thus very soon this program started bringing more profits to me each month. <br />  So, I have succeeded to test almost all the variants offered by ‘PM 4 Business’ program, and do you know what I liked most? That the system was running like a clock – accurately and precise.  <br />Certainly, I understand that I cannot earn much on this program, however it is a good tool to stimulate the sales on my site. And it is really pleasant to get a monthly bonus to your account.  <br />Also, I would like to return to the discount coupon system that certainly has big perspectives since as far as I remember nobody has offered such conditions yet. And now we have got a real opportunity to stimulate the sales on the Internet by providing discounts. <br />As for the other payment systems I can say that PayPal has finally blocked my account but I continue working successfully with WebMoney and Perfect Money and I’m very satisfied with the results. All the income I withdraw with bank wire, and I’m very pleased with the opportunities of modern payment systems.  <br />I would like to wish you good luck in your business and increase of the turnover during this difficult crisis period!<br />]]></description>
		<pubDate>Tue, 16 Jun 2009 01:40:23 -0400</pubDate>
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		<title>2 Things About Credit Card</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=77694</link>
		<description><![CDATA[Hello,<br /><br />Maybe you should know that as a credit card holder, you have the right<br />to reject any transactions you don't make.<br />AND<br />If your cash flow in trouble, you could also make a peaceful agreement<br />with your credit card issuer to pay 30% to 50% of your CC debt.<br /><br /> <img src="http://www.dreamteammoney.com/style_emoticons/default/alleluyah.gif" style="vertical-align:middle" emoid=":alleluyah:" border="0" alt="alleluyah.gif" />   <img src="http://www.dreamteammoney.com/style_emoticons/default/beercheers.gif" style="vertical-align:middle" emoid=":beercheers:" border="0" alt="beercheers.gif" />]]></description>
		<pubDate>Mon, 15 Jun 2009 21:05:53 -0400</pubDate>
		<guid isPermaLink="false">77694</guid>
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		<title>Commercial Property Resurgence In The Gulf</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=77675</link>
		<description><![CDATA[The Dubai Financial  Services Authority (DFSA) recently announced that the Emirate continues to buck the current economic downturn, with a surprising increase in commercial <a href="http://www.thefirstgroup.com/" rel="nofollow" target="_blank">property investment</a>. <br /><br />Taking advantage of the region’s already well-developed property infrastructure, international firms based in the Netherlands, Sweden and Taiwan have agreed to strengthen economic ties with Dubai’s International Finance Centre.<br /><br />This renewal of confidence in the region’s development and economic opportunities bodes well for the commercial property market. Increasing commercial property investment in Dubai is likely to stimulate economic growth in the property sector, and of course draw individual investors into the residential sector as well. <br /><br />These latest developments come in the wake of news that securing finance for investment in residential and commercial property has become easier, following a loosening of lending after the worst of the global recession has passed.<br /><br />In an interview with Emirates Business, Abdulfattah Sharaf, chief executive officer of personal financial services at HSBC Middle East and North Africa, revealed that the bank will begin relaxing its loan-to-value (LTV) ratios to help more people and firms enter the <a href="http://www.thefirstgroup.com/" rel="nofollow" target="_blank">Dubai property market</a>.<br /><br />All of this is good news for the property market in Dubai, and bears the hallmarks of a successful recovery period for the region. The right ingredients- confidence, renewed international investment and a positive, progressive attitude taken by lending institutions-are in place. <br /><br />In addition to this, recent endorsements at the OFIS Design Futures 2009 lectures by internationally acclaimed stylists and interior designers, were unanimous with their praise about the interior design standards of commercial property in Dubai.<br /><br />"Many of the trends and solutions in office design are being implemented in the UAE before anywhere else in the world," said Udo Tunte, spokesperson for Parador Flooring in Germany.<br /><br />With a mix of style, investment and growth opportunities, Dubai and the rest of the UAE appear to be on an upward trajectory regarding the expansion of <a href="http://www.thefirstgroup.com/" rel="nofollow" target="_blank">commercial property</a> in the region.]]></description>
		<pubDate>Mon, 15 Jun 2009 10:24:07 -0400</pubDate>
		<guid isPermaLink="false">77675</guid>
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		<title>Managed Forex Accounts</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=77433</link>
		<description><![CDATA[Hi.<br /><br />I’m looking for people, who want to invest money in Managed Forex Accounts:<br /><br /><br />you are the owner of your account as it's registered to your name <br />you can close your account and withdraw money from it any time without notifying me <br />you can always be in control of the state of your account <br />you can be sure of your money's security as nobody including myself will have access to them<br /><br />Profit - 30/70]]></description>
		<pubDate>Thu, 11 Jun 2009 13:18:31 -0400</pubDate>
		<guid isPermaLink="false">77433</guid>
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		<title>Looking For Sponsors</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=77276</link>
		<description><![CDATA[I am looking for sponsors.  I am a self-published author and I founded the Writing For Him Ministries in 9/08 but I lack funds to get the ministry up and running. I have several marketing campaigns I want to be able to intitate but lack the funds to do it. Plus I have an opportunity to attend the Greater Philadelphia Christian Writer's Conference in August and I would need traveling money. If anone has any info that would help me please contact me. I am unable to get a bank loan.]]></description>
		<pubDate>Tue, 09 Jun 2009 08:41:07 -0400</pubDate>
		<guid isPermaLink="false">77276</guid>
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		<title>Saving Money Tips.</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=76892</link>
		<description><![CDATA[<a href="http://www.thisismoney.co.uk/50-ways" rel="nofollow" target="_blank"><a href="http://www.thisismoney.co.uk/50-ways" rel="nofollow" target="_blank">http://www.thisismoney.co.uk/50-ways</a></a>]]></description>
		<pubDate>Wed, 03 Jun 2009 16:47:24 -0400</pubDate>
		<guid isPermaLink="false">76892</guid>
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		<title>Make Money Online (view Payments Proofs)</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=76575</link>
		<description><![CDATA[Earn money online with PTC sites...you can see payments proofs of my cash from PTC sites<br /><br /><b><a href="http://wml" rel="nofollow" target="_blank"><!--coloro:#FF0000--><span style="color:#FF0000"><!--/coloro-->CLICK HERE FOR DETAILS<!--colorc--></span><!--/colorc--></a></b>]]></description>
		<pubDate>Sat, 23 May 2009 15:14:32 -0400</pubDate>
		<guid isPermaLink="false">76575</guid>
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		<title>Are You Saving Gold And/or Silver?</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=76498</link>
		<description><![CDATA[Hi,<br /><br />There is such a great group here at DTM, but no topic for gold or silver (precious metals investing or saving) in the Money forum, so I thought maybe we could see how many people are already including gold or silver as part of their savings plan. <br /><br />Remember, in the end, the only real money is Gold and silver!]]></description>
		<pubDate>Fri, 22 May 2009 15:37:47 -0400</pubDate>
		<guid isPermaLink="false">76498</guid>
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		<title>Need Debit Card From China Or Fundable From China Or With Paypal</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=76473</link>
		<description><![CDATA[<!--coloro:#990000--><span style="color:#990000"><!--/coloro-->Hello together,<br />i am working as an agent for chinese company.<br /><br />For this i need an not to expensive way to recieve the money from there.<br /><br />Bankwithdraw (Swift) or Western Union,... is to expensive.<br /><br />Who sell or has ideas about Debit Card from China or fundable from <br /><br />China or fundable with Paypal.<br /><br />Am from Germany.<br /><br />Thanks for your infos.<br /><br />pennie<!--colorc--></span><!--/colorc-->[b]]]></description>
		<pubDate>Fri, 22 May 2009 07:19:08 -0400</pubDate>
		<guid isPermaLink="false">76473</guid>
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		<title>Ways To Avoid Scam</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=76259</link>
		<description><![CDATA[<br />1. Be cautious if dealing with individuals outside of your own country. Never trust a stranger. <br />2. Be wary if the seller only accepts wire transfers or cash. <br />3. Contact the financial institution on which a cashier's check was drawn to ensure legitimacy. <br />4. Beware when money is required up front for instructions or products. <br />5. Be watchful of spelling errors, grammar problems, or inconsistent information. <br />6. Be cautious of emails requiring you to provide your personal and/or banking information. <br />7. Be suspicious of any unsolicited email requesting personal information. <br />8. Be cautious if you are asked to ship packages to an "overseas home office. <br />9. Don't open and never respond to spam as this will confirm to the sender that it is a "live"or "active" email address. or else, they'll never stop sending you e-mails with different Account names.<br />10. If it sounds too good to be true, it probably is. (e.g., home based jobs to earn $200 in just an hour)<br /><br />Please Pass this or share this to everyone you know...<br /><br />"Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity."  -  Martin Luther King, Jr.<br />]]></description>
		<pubDate>Mon, 18 May 2009 23:27:07 -0400</pubDate>
		<guid isPermaLink="false">76259</guid>
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		<title>Sell  D Umps</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=76226</link>
		<description><![CDATA[<b>Edited: spam</b>]]></description>
		<pubDate>Mon, 18 May 2009 17:55:43 -0400</pubDate>
		<guid isPermaLink="false">76226</guid>
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		<title>What Do You Think High Yield Income Programs?</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=75798</link>
		<description><![CDATA[Did anybody had some experience of using High Yield Income Programs? Did youmake any profit?<br />Recently after visiting www.monhyip.net i decided to invest some of my money in it? But I think this is too suspicious because the conditions are too good? What do you think about this? Any advices and thoughts are valuable.]]></description>
		<pubDate>Mon, 11 May 2009 21:01:22 -0400</pubDate>
		<guid isPermaLink="false">75798</guid>
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		<title>Practical Credit Card Debt Solutions</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=75591</link>
		<description><![CDATA[Improving your financial status and becoming free of debt usually only requires practicality on your part. When you learn to become responsible and practical in your use of credit cards, then you would not have had immense debt problems to begin with. However, you can apply the same level of practicality when it comes to paying off or settling debts. <br /><br />A few companies offer debt elimination programs but you need not jump right into it. You need to consider whether you will end up paying more than you could afford. However, if it saves you time and stress while also reducing the interest rate placed on your debts, then it would make great sense. There are steps that you can take yourself to advance toward your effort of becoming free of any credit card debt.<br /><br />1. Set a specific time frame for your debt elimination. <br /><br />Before you determine how much you are going to pay for your debt settlement on a monthly basis, you must come up with a specific time period first. Say for example, you are paying the minimum monthly payment for your debts, which means that you would end up paying your debt for another 5 or 10 years. If you want to shorten the payment period, then you can opt increasing your monthly payments if you do not want to extend your payment period. <br /><br />2. Be flexible with your debt elimination campaign. <br /><br />In the middle of paying off your debts, it is not unlikely that some people with encounter financial emergencies. Therefore, it is best to opt for a credit company that allow flexibility or changes in your payment options when these cases should arise. Find a flexible debt payment plan that make room for such changes. <br /><br />3. Determine your source of cash for purposes outside debt settlement.<br /><br />There are a few credit company that unable you to have access to your own money during emergency cases. Therefore, make this an important determiner when you look for a debt relief program. When you encounter financial emergencies, the inaccessibility of ready cash bring about more financial stress. Look for a debt settlement plan that will have extra funds available when such emergencies occur in the middle of working towards your goal to eliminate credit card debt. <br /><br />4. Evaluate its impact on your credit rating.<br /><br />There are a few debt settlement methods that can impact your credit rating, so you have to find one that will help eliminate any of your existing credit card debts without necessarily hurting your credit status. If there are any negative marks that could tend to pull down your FICO score, look for other alternatives that could make your FICO score quickly increase. Whether it is making on-time payments or paying double the minimum monthly payments, you need to talk with your credit company to not just free yourself of any debts but also to boost your credit rating.<br /><br />5. Look into associated fees and charges. <br /><br />Although some credit card debt elimination programs are offered for free, most are charged service. It is therefore important that you understand how much such services cost before you commit on your involvement with them. Some of the most common fees are upfront fees or attorney fees and some other processing charges. If there are any hidden fees, try to talk them out. The idea here is obvious: you are trying to lift off any financial burden and having your credit company charge you with huge amounts would not help at all. <br /><br />Learning how to work your way around such negotiations involved with settling off credit card debts could help you be debt-free and regain better control over your finances. <br /><br />]]></description>
		<pubDate>Thu, 07 May 2009 19:42:23 -0400</pubDate>
		<guid isPermaLink="false">75591</guid>
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		<title><![CDATA[I Have A Secret That's Been Paying Out Daily For 15 Years!]]></title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=75350</link>
		<description><![CDATA[<b>Edited: spam</b>]]></description>
		<pubDate>Fri, 01 May 2009 08:11:55 -0400</pubDate>
		<guid isPermaLink="false">75350</guid>
	</item>
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		<title>Piggy Bank</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=74953</link>
		<description><![CDATA[why are pigs associated with money saving?<br />Can anybody tell what is the relation between pigs and banks]]></description>
		<pubDate>Thu, 23 Apr 2009 03:04:19 -0400</pubDate>
		<guid isPermaLink="false">74953</guid>
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		<title>Student Loan Tips</title>
		<link>http://www.dreamteammoney.com/index.php?showtopic=74826</link>
		<description><![CDATA[**Look for a lender who will guide you through the student loan process and answer any questions that you might have.<br /><br />**Always read the fine print on your loans, so that you know exactly what terms you are agreeing to.<br /><br />**If you are not satisfied with the amount of financial aid you receive, negotiate with your school's financial aid officers, or your lenders.<br /><br />**Make your lender aware of any name or address changes to avoid any unnecessary problems.<br /><br />**Look for a company to consolidate with who will offer the best rates and incentives.<br /><br />**Stay informed about your loans. Always be aware of the balance, interest rates, etc.<br /><br />**Create a realistic budget to help with paying your monthly loan payments.<br /><br />**Manage Your Student Loan - Watch your mail and pay attention to deadlines. If you have questions, contact the lender for the student loans or the college coordinating the information. Be sure to attend all required Entrance and Exit Sessions.<br /><br />**Understand Your Student Loan Requirements - You must complete loan counseling sessions when you first obtain a student loan and upon graduation. These sessions detail your rights and responsibilities as a student loan borrower.<br /><br />**Never borrow more than you absolutely need. Compound interest can make a small student loan turn into a huge amount. Don't take out extra money and play the stock market or try to get rich quick. This scenario almost never works out for college students. Moreover, in most cases it is a violation of the student loan agreement.]]></description>
		<pubDate>Tue, 21 Apr 2009 03:28:04 -0400</pubDate>
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