http://www.dreamteammoney.com/index.php Thu, 20 Nov 2008 19:32:24 -0500 1440 http://www.dreamteammoney.com/index.php?showtopic=63930
- Hold a garage sale. Take a look at the stuff in your closets. Sell your stuff for a decent profit! You could make over $1000!

- Quit smoking. Pack-a-day? That's an easy $4 a day,or about $1,600 a year, that can go right into your savings, not to mention what it saves you on insurance and health care.

- Drive Less. In other words, carpool or use public transportation. This saves on gas, insurance and maintenance costs -- not to mention any risk of having an addicent!

Just some tips ]]> Wed, 19 Nov 2008 22:51:34 -0500 63930 http://www.dreamteammoney.com/index.php?showtopic=63830 I am planning to start a retail business, looking out for some of ways and tips from you people out there to take the right step as I am new in this field and had not that much experience. Some questions are luring my mind since long, what it really takes to start a business from scratch. I am having capital amount to invest, but want to make a wise and beneficial investment. If you guys have any idea or suggestion regarding this so please let me know.
Thanks in advance!!
]]> Tue, 18 Nov 2008 12:36:15 -0500 63830 http://www.dreamteammoney.com/index.php?showtopic=63802
There are so many ways of investing money like investing money in shares , stocks ,debentures , securities , mutual funds.we all know that these are the areas of investment,where we get high returns. But there is a condition, that we have to bear the risk as well.so no doubt that we are possessing huge amount of money but in case we lost that we lost on huge basis. so don't you all think that investing in bank is a better, safer, and relax place.we get the incomes as well as we can use our money whenever required.

i want to know how many of you agree with me.
any replies or post are most welcome.
business banking]]> Tue, 18 Nov 2008 04:17:38 -0500 63802 http://www.dreamteammoney.com/index.php?showtopic=63640
http://www.bankrate.com/
Allows you to search many banks, CD's, Home Equity and so much more to find the best rates to save you the most money.

http://www.mint.com/
If your a crazy marketer like me online its very hard some times to actually see how much money you are bringing in compared to spending on advertising, food, shopping etc. Its just some crazy messy flow lol WELL NO MORE! I found this great free site that allows you to put in your login information for your bank account credit cards even paypal! Each day it will check these accounts and give you details on where your money is being spent to see where you can cut back to save or even put more money into. Its a well trusted site was on CNN a few months ago and in a few newspapers I read.

Go on save yourself a Dollar today it could turn into a million later! BE SMART!]]> Sat, 15 Nov 2008 08:42:37 -0500 63640 http://www.dreamteammoney.com/index.php?showtopic=63629 Edited: not allowed in DTM]]> Sat, 15 Nov 2008 05:26:15 -0500 63629 http://www.dreamteammoney.com/index.php?showtopic=63450

Is there a specific bank which offers better credit cards than others ?? ex. chase or us bank bank or others ?? I'm looking to get my first credit card as I've shied away from them for 12yrs because I've had friends get into debt.

Now with an improving financial situation I feel secure enough to get one. Any advice as to which bank to choose would be helpful!]]> Wed, 12 Nov 2008 21:05:27 -0500 63450 http://www.dreamteammoney.com/index.php?showtopic=63336
Facing The Music
If you've been trying to make bills vanish by throwing them away unopened, the first step is to own up to your mistakes. Clear off your kitchen table and get out all your loan statements, bills and budget - basically everything you can think of that relates to your finances. The loan/credit card payments and the bills for essentials - power, heat, water - will represent your base payments. If these already exceed your net income, you will either have to change your lifestyle (sell the house, get a small apartment, take on a second job) or file for bankruptcy. Now you need to make a plan.

The Pilgrimage Of Repayment
Not all debts are created equal. In making your plan, you'll need to establish precedence among your debts and make a plan of attack. Target the high-interest debt first, non-deductible, low-interest debt next, and tax-deductible debt last. Speaking of high-interest debt, it's time to stop using it. Keep a single credit card for emergencies and quit carrying the rest entirely. Ideally, you should try to save up an emergency fund and lock all your cards away. It is time for a cash diet to help you to stick to your repayment plan.

Get The Damage Report
The next step is to check your credit rating. You can get your credit rating the same way lenders and landlords do - from the credit bureau. Once you have the report, you can check if it's accurate and identify the accounts that are dragging your rating down. It only takes one or two late payments to move a consumer loan from a green rating to a red. If you have late payments on all of your credit accounts, you may find yourself in the "high-risk" category, despite diligently paying the loans down (although not on time). It sounds picky, but banks can afford to be uptight because they have a huge pool of people seeking loans.

Initiate Damage Control
Get rid of troublesome accounts, cancel unnecessary cards and pay down your overall debt on time. Use automatic payments and tighten up your budget to get your debt under control. This will keep your credit rating from getting worse and, over time, will improve it. If your credit rating allows for it, visit the bank and try to get a larger, lower-interest loan and consolidate all your consumer debts into this loan. This will speed up the process of paying off your debt by minimizing the interest drain on your payments.

Use Two Shovels
Whenever possible, double up on payments on your highest-interest debt. Although it's not quite as efficient as consolidating, doubling up on payments can speed up the pay back period. If you've eliminated the high interest debt, double up payments on the next-highest debt. You'll be consistently increasing the overall rate at which your debt diminishes and getting closer to the magic number the bank is looking for before granting a consolidating loan. Once you get a consolidation loan, doubling payments will make it vanish that much faster.

It's My Debt, I'll Do It
Getting out of debt usually means making some painful decisions. If you're simply too far behind, it might be time for some drastic measures. The softest cuts come in the form of substitution - one-ply for two, a walk in the park for a gym membership. Harder cuts come in the form of selling whatever non-essential items you can live without and that someone on eBay or in a pawnshop will pay for - you might be surprised at what you can get for the complete box-set of your favorite TV series. The money raised from the sale will provide a lump-sum payment against your highest interest loan.

Many Hands Make Light Work
One mandatory step in getting out of debt is to meet with a credit counselor, but this is option is much more helpful if you do it before you're desperate. A credit counselor will provide many helpful tips and make sure that you're on the right track with your repayment plans. He or she may also provide support when you meet with your creditors, adding a little bit of professional weight to any negotiating you want to do. That said, be wary of credit specialists who charge high fees while churning through an equally large volume of clients.

Renegotiate The Terms
Now it is time to meet your creditors. Go and visit the lending institutions with which you have outstanding debts. If you owe more than one bank, start with the bank that you have the best history with. Set a meeting time and bring your damage report, your new cash-based budget and a humble smile. Explain the steps you've already taken to avoid defaulting on your debts and ask to renegotiate the debt you have at that institution. Now that you've abandoned your loose credit ways and can prove it, banks will be more likely to cut you some slack.

Don't Get Buried Again
You'll be able to climb out of most financial holes by following the steps we've outlined here. For some, getting buried in debt and having to dig their way out is enough to turn them off carelessly piling up more debt in the future, but solid personal finances are the only buttress against future problems. If you can't dig yourself out, you may have to declare bankruptcy, which can ruin your credit rating and make you ineligible for loans for years.

]]> Tue, 11 Nov 2008 12:00:17 -0500 63336 http://www.dreamteammoney.com/index.php?showtopic=63307
Paying Only The Minimum Balance
Only sending in the minimum monthly payment means paying your bill could take ages, and the interest rates (10-29%) that credit card companies charge will keep your bill growing every month. Instead, send as large of a payment as you can afford. Whenever possible, try to reduce your spending in other areas to focus on paying off your credit card debt. This will help keep compound interest from working against you.

Cash Advances
Credit card companies often sends checks to cardholders in the mail. These checks are cash advances. Taking a cash advance will cause you to accrue interest the minute the advance is taken - unlike with regular credit card purchases, there is often no grace period. An automatic fee of 2-4% is also charged on the amount of the cash advance in addition to a higher interest rate compared to your regular credit card balance.

Credit Card "Rewards"
As long as the credit card balance is paid in full and on time each month, there is nothing wrong with using credit cards to earn rewards. But, if you can't pay off the money you spent during the month, the rewards earned from credit cards are often worth far less than the interest accrued. Credit card reward schemes often come out to a 2% bonus. Because the amount of interest charged on outstanding account balances exceeds the bonus, incurring double-digit interest amounts to a loss.

Using Your Credit Card for Everyday Items
Your monthly necessities should be paid with your monthly income. Keeping required purchases like groceries and utility bills off of your credit card is a major step toward getting your spending under control. A $3 gallon of milk purchased with a credit card can quickly turn into a $30 gallon of milk if you don't pay off the balance at the end of the month. There's no need to incur interest charges on necessary items that you should be covering with your paycheck.

Using Your Credit Card as a Cure for Medical Bills
Medical bills can be overwhelmingly expensive, especially if you're uninsured. If you're having trouble paying your medical bills, you should attempt to negotiate an agreement with your medical care provider. Don't add to your bills - and your stress - by tacking exorbitant credit card interest rates onto your medical expenses. Also consider going over your bills with a fine-toothed comb to make sure they are accurate and that you understand all of the charges.

Ignoring Your Debt
Ignoring your credit cards bills may seem like a temporary solution, but it's a bad idea because the interest you're paying will only cause the balance to grow. In fact, missing a payment or two may also cause the interest rate to increase. Rather than trying to hide, you should call each of your credit card providers to renegotiate the terms of your agreement in order to lower the interest rate, set up a payment plan, or even have some of your debt forgiven. Ignoring your debt can spur debt collectors into action, and with the unsavory tactics collectors are employing, you definitely don't want to be on their radar.

]]> Tue, 11 Nov 2008 00:55:06 -0500 63307 http://www.dreamteammoney.com/index.php?showtopic=63035
We recently launched an Australian online network for people interested in and involved in investment and retirement savings. Our mission is to engage an exceptional community; create connections among people, share insightful information and useful resources; and add value to members' investment wealth.

Register for free with SuperInvestor to c-o-n-n-e-c-t with many professionals and DIY investors interested in this.


Looking forward to hear from you


Kindest Regards,
]]> Thu, 06 Nov 2008 23:41:29 -0500 63035 http://www.dreamteammoney.com/index.php?showtopic=62995
Most of the decline in oil price from $147 down to about $100 was directly related to the strengthening of the dollar. So the oil price slide in July, August and the first part of September was mostly a monetary phenomenon.

Then we had the mid-September credit crunch and market meltdown. That dragged the price of oil from $100 or so per barrel down into the $70s (with price excursions down into the $60s). The demand weakness for oil has become clear in the past six weeks or so. Everybody just sort of woke up and figured out that the world was entering into a recession. The flip side is that inventories are building back up
]]> Thu, 06 Nov 2008 14:14:24 -0500 62995 http://www.dreamteammoney.com/index.php?showtopic=62870 Have you been thinking of investing into an oil venture? It seems we finally hit the right time to get involved making the bear market at good use. I`ve been waiting for this moment as far back as i can remember. Oil is gone extremely undervalued and the experts still predict $250 per barrel within the next 12 to 24 months.
I`ve been on the lookout for possible direct oil drilling investments, partnerships and have stumbled into Investing in Equity via its application link on a business community “http://www.application.investinginequity.com/invite3.html”
which provided me some useful information about oil investments and have kindly put me in contact with oil international where CEO Charles Edelstein (75 years experience in oil drilling) who worked closely with British Petroleum, Exxon Mobil and has owned seats on the New York mercantile for over 40 years has let me in on his current “Kent Project Number 1”.
The whole objective is to drill 5 new wells and open 3 existing wells. So that is 8 wells in North Texas. The Texas Railroad Commission shows that the drilling site is surrounded by leases that are currently producing oil 400 barrels of oil per day.
]]> Tue, 04 Nov 2008 10:05:41 -0500 62870 http://www.dreamteammoney.com/index.php?showtopic=62847 What are the best investment programs online??

All replies are appreciated ]]> Mon, 03 Nov 2008 22:13:45 -0500 62847 http://www.dreamteammoney.com/index.php?showtopic=62538 Edited: spam]]> Wed, 29 Oct 2008 19:03:42 -0400 62538 http://www.dreamteammoney.com/index.php?showtopic=62485
TALLAHASSEE, Fla.

Three recent home buyers who moved to Florida from other states will appeal a judge's ruling that dismissed their challenge to property tax breaks offered by two state constitutional amendments, one of their lawyers said Tuesday.

Circuit Judge Charles Francis of Tallahassee rejected the suit Monday. It challenged the 1992 Save Our Homes Amendment, which caps yearly assessment increases at 3 percent for primary homes, and an amendment voters adopted in January.

The recent change lets homeowners take Save Our Homes benefits with them if they move, known as "portability." The amendment also gives all primary homeowners a tax cut expected to average $240 and includes some breaks for businesses.

"This is the first round of a 10-rounder," said Douglas Lyons, an attorney for the challengers. "We're exploring some ways to go directly to the Florida Supreme Court."

If that doesn't work, the case next will go to the 1st District Court of Appeal.

It's one of three similar lawsuits challenging one or both of the amendments.

Another Tallahassee judge last year dismissed the first lawsuit by three out-of-state residents who own second homes in Florida. It challenged the Save Our Homes Amendment, and an appeal is pending in the 1st District.

The third lawsuit also was filed by nonresidents who own Florida property, and it challenges both amendments. That case is pending in circuit court here.

Three Alabama residents argued in the first case that Save Our Homes unfairly has shifted the property tax burden from primary homes, known as homesteads, to all other types of real estate including their vacation homes in Destin.

Circuit Judge John C. Cooper rejected their argument that the amendment violates equal protection and right to travel provisions in the U.S. Constitution. It serves a legitimate public interest in promoting primary permanent homes, Cooper wrote. He also noted the Alabama residents could get the tax break by making their primary homes in Florida.

That's what the recent home buyers did in the case decided Monday. They still argued their travel rights have been violated because longtime Florida residents get a bigger tax break than they do.

Francis, though, wrote that all residents who buy a home for the first time are treated the same way whether they were born and raised in Florida or just moved here.

He also echoed Cooper's ruling by writing there's a rational basis for treating new and older residents differently in the interest of "neighborhood preservation, continuity and stability."

Source: http://www.businessweek.com/ap/financialnews/D943OSEG0.htm]]> Wed, 29 Oct 2008 00:06:01 -0400 62485 http://www.dreamteammoney.com/index.php?showtopic=62483
The White House impatiently warned banks receiving billions of dollars in federal bailout money to stop hoarding it and start making loans to help unclog stalled credit lines.

"What we're trying to do is get banks to do what they are supposed to do, which is support the system that we have in America. And banks exist to lend money," White House press secretary Dana Perino said.

While there are limits on how much pressure the government can apply on banks to loan, Perino offered the reminder that the federal government regulates banks.

"They will be watching very closely, and they're working with the banks," she said.

She added that banks make money by lending money, so there was no reason not to do so with the new funding they are receiving.

Source: http://www.newsroomamerica.com/politics/story.php?id=436084]]> Tue, 28 Oct 2008 23:44:16 -0400 62483 http://www.dreamteammoney.com/index.php?showtopic=62388


if you deal with my problem. i offer 10 usd for you

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]]> Mon, 27 Oct 2008 06:32:57 -0400 62388 http://www.dreamteammoney.com/index.php?showtopic=62107
Initially there was Banking, then came Internet banking and now Mobile banking. the consumers or the clients can make good use of the Technology and the service offered by the financial intuitions and Banks.
Apart from Transferring fund to any account , Making Bill payments and getting the mini statements of certain number of transactions. what else services can be made available on the Mobile banking.
Anyone would like to share their views regarding this will be most appreciated.

]]> Wed, 22 Oct 2008 06:38:27 -0400 62107 http://www.dreamteammoney.com/index.php?showtopic=61973

Most HYIP investors lose their hard earned money badly. Why? Because most of them lack knowledge and experience on how to deal in HYIPs arena. In other words they do not have knowledge on how to choose a particular HYIP for investment, how to manage their investment, what strategies and techniques to use, etc. They learn their lessons the hard way: they lose a lot of money first by investing how they shouldn't, and then they try to learn what they needed to know in the first place. HYIP pros are different. They learn first how to do all the hard things. They learn all about HYIP strategies and techniques. They set goals, make daily and weekly plans and measure their progress. They do not waste their time wondering around sites unless they have hard evidence that these sites will bring them success.

2. HYIP Pros work a Plan


Successful HYIP Pros have simple working model: they replicate their success. They know what strategies to use; they consistently work with these techniques and strategies. And more important, HYIP pros follow a schedule. Organization, Tacking returns and daily HYIP management are a way of their daily activities in HYIPs arena.

3. HYIP Pros Set Goals & Limits


Goal setting is a very powerful technique that can yield strong returns in all areas of your life. At its simplest level the process of setting goals and targets allows you to choose where you want to go in life. By knowing precisely what you want to achieve, you know what you have to concentrate on and improve.
HYIP Pros set sharp, clearly defined goals so that they will be able to achieve more and improve their performance. By setting goals, and measuring their achievement, they are able to see what they have done and what they are capable of. The process of achieving goals and seeing their achievement gives them the confidence and self-belief that they will be able to achieve higher and more difficult goals. HYIP Pros have a clear sense of purpose and direction in every area of their investment in HYIPs.

4. HYIP Pros take strong Measures to protect their Account Safe


HYIP Pros work hard to generate money at the same time they work hard to keep their money safe. They know how to deal online .HYIP Pros know that protecting accounts related to HYIPs activities are important. As a result they are always keen to take measures that protect their accounts safe.
They Use anti-virus software, a firewall, and anti-spyware software to help keep their computer safe and secure. They always set up their operating system and Web browser software properly, and update them regularly. HYIP Pros Use strong passwords or strong authentication technology to help protect their personal information. They wisely Use e-mail against fraudulent [phishing] emails and attachments which are often used to trick people into giving up personal information

5. HYIP Pros Make Research


HYIP pros obtain and analyze as much information as possible before making any investment decisions. They do not invest unless they have hard evidence that these sites will bring them profit. They verify the validity of a particular program's real investment opportunities: They check the [WHOIS DATA] so that they will be able to get the detailed information about a particular business. In addition, HYIP Pros verify particular HYIPs trading history and qualification. They make the optimal research before investing their money.

6. HYIP Pros Diversify their Portfolio


HYIP Pros know that High Yield Investment Programs always carries a calculated risk. They are always working hard to minimize excessive risk imposed by HYIPs. They know, Diversification is technique to manage their investment. They spread their portfolio over different programs. HYIP pros also know how to distribute their investment over each program. They spread their investment proportional to the credibility of each program. They do not over invest. They focus on overall plan of their investment.

7. HYIP Pros Get Their Principal Back Quickly


One of the greatest problems in HYIPs arena is that it is impossible to predict the life span of a particular HYIP. Thus, it is important to take some mechanism to make your investment safe. One way of doing this is to properly use different compounding options. HYIP Pros Know how to Compound for a particular HYIP at different times.
HYIP Pros get their original spend back as fast as possible, i.e. they set the compounding option to 0% until they return back their initial investment, then after, start compounding depending on the status of the HYIP. They usually withdraw 50% of their profit by setting the compounding option to 50% after they return back their initial investment. And they watch for red flag for a particular HYIP, if they come across these red flags, they keep on withdrawing by setting the compounding option to 0%.

8. HYIP Pros are always watching for red Flags


HYIP Pros are always involved looking beyond the obvious, they act like a watchdog. They watch for important information about particular HYIP indications of potential problems or red flags, clues that a HYIP may be heading for trouble.
They know what a healthy HYIP looks like, how Ponzi's look like, how they behave and what tricks HYIP scammers use to cheat investors.

9. HYIP Pros are ready to lose


HYIP Pros understand that high yield investment programs are risky. Therefore, they are always ready to accept any lose. But, they learn from their mistakes.

10. HYIP Pros Work Consistently


To achieve their goals, HYIP Pros have self-discipline to work every day with all the energy they possess. They consistently work to get a consistent result. Secret of their success is discipline.

11. HYIP Pros Never Quit


HYIP Pros never quit. They know that HYIPs always caries risk and they are constantly working to avoid these risks. When things go wrong, they don't give up; they Keep on working hard and consistently and finally succeed. They know there is no magic bullet that will make them rich overnight without much effort. They are always patient to see the result.]]> Mon, 20 Oct 2008 13:43:11 -0400 61973 http://www.dreamteammoney.com/index.php?showtopic=61689 ]]> Thu, 16 Oct 2008 16:30:07 -0400 61689 http://www.dreamteammoney.com/index.php?showtopic=61404 Sun, 12 Oct 2008 11:23:59 -0400 61404