Finance refers to the concepts of time, money and risk and how they are interrelated. http://trcb.com/en-Us60Thu, 18 Mar 2010 04:45:12 ESTCopyright 2010 Alice Shown, TRCB.com All Right Reservedhttp://trcb.com/finance/debt-consolidation/things-you-need-to-know-about-credit-card-debt-negotiation-23513.htmNow it is difficult to think of a life where one could not walk into a shop and pay by simply swiping a card.Wed, 03 Mar 2010 13:35:29 ESThttp://trcb.com/finance/debt-consolidation/things-you-need-to-know-about-credit-card-debt-negotiation-23513.htmTRCB.comFinance / Debt Consolidationhttp://trcb.com/finance/mortgage/all-you-wanted-to-know-about-reverse-mortgage-23350.htmA reverse mortgage also called a lifetime mortgage is a type of mortgage available for persons over the age of 62 that own their home but are interested in getting money from their home as one lump sum or regular monthly payments. The terms and conditions of a reverse mortgage does not ask the homeowner to pay for the loan until they die, the home is sold or the owner leaves. Mon, 01 Mar 2010 18:09:04 ESThttp://trcb.com/finance/mortgage/all-you-wanted-to-know-about-reverse-mortgage-23350.htmTRCB.comFinance / Mortgagehttp://trcb.com/finance/debt-consolidation/truth-about-debt-settlement-22792.htmDebt settlement finds a way to negotiate with the lenders to waive off certain percentage of the outstanding balance with the borrowers. A portion of the amount is paid off at an agreed upon settlement amount. This process can be very effective if a third party settlement services company is employed. They negotiate hard with the companies to eliminate between 40-60% of the original balances.Fri, 19 Feb 2010 15:11:45 ESThttp://trcb.com/finance/debt-consolidation/truth-about-debt-settlement-22792.htmTRCB.comFinance / Debt Consolidationhttp://trcb.com/finance/personal-finance/5-ways-to-become-a-millionaire-22559.htmBecoming a millionaire is both sorely misunderstood and incredibly attainable. Below is a brief look at the five most commonly referenced paths to becoming a millionaire, and the advantages and risks associated with each.Tue, 16 Feb 2010 14:02:42 ESThttp://trcb.com/finance/personal-finance/5-ways-to-become-a-millionaire-22559.htmTRCB.comFinance / Personal Financehttp://trcb.com/finance/taxes/appeal-your-property-taxes-on-market-value-and-unequal-appraisal-22200.htmThe first step to annually appealing your property taxes is to send a written notice to the appraisal review board (ARB) for the county in which your home is located. Even if you have not received a notice of assessed value from the appraisal district, file a notice of appeal by May 31st.Tue, 09 Feb 2010 16:18:11 ESThttp://trcb.com/finance/taxes/appeal-your-property-taxes-on-market-value-and-unequal-appraisal-22200.htmTRCB.comFinance / Taxeshttp://trcb.com/finance/credit-tips/the-real-estate-investors-guide-to-credit-scoring--improvement-21658.htmReal estate investors' careers are literally made or broken on the strength of their credit, as it so drastically impacts their buying power. This quick guide explains credit scoring in practical terms that rental investors can use to improve their credit scores.Tue, 02 Feb 2010 21:40:30 ESThttp://trcb.com/finance/credit-tips/the-real-estate-investors-guide-to-credit-scoring--improvement-21658.htmTRCB.comFinance / Credit Tipshttp://trcb.com/finance/taxes/alternative-minimum-tax-consequences-are-not-a-result-of-cost-segregation-21739.htmAlternative Minimum Tax consequences are not a result of cost segregation. Nor is cost segregation accelerated depreciation. Decisions regarding cost segregation and accelerated depreciation are independent by the four options as illustrated in the following matrix:Mon, 01 Feb 2010 23:17:39 ESThttp://trcb.com/finance/taxes/alternative-minimum-tax-consequences-are-not-a-result-of-cost-segregation-21739.htmTRCB.comFinance / Taxeshttp://trcb.com/finance/debt-consolidation/consolidate-y-20903.htmAre you one of the millions of people who have been so severely affected by the recent economic downturn that you are considering a debt consolidation program? Even though these programs have been around for a long time, it's only recently that they have grown in popularity. Rest assured that if your finances since immediate attention, there is help out there.Fri, 29 Jan 2010 18:23:10 ESThttp://trcb.com/finance/debt-consolidation/consolidate-y-20903.htmTRCB.comFinance / Debt Consolidationhttp://trcb.com/finance/personal-finance/how-the-build-america-bond-program-will-impact-municipal-bonds-21460.htmThe Build America Bonds (BABs) program, a new piece of legislation from the Obama Administration, focuses on aiding struggling state and local municipalities across the U.S. The program creates taxable municipal bonds, a radical departure from the long-standing tax exempt status quo for munis. While bonds issued under the BABs program are fully taxable, the issuer receives a direct subsidy equal to 35% of the bonds coupon, or stated interest rate.Thu, 28 Jan 2010 21:20:03 ESThttp://trcb.com/finance/personal-finance/how-the-build-america-bond-program-will-impact-municipal-bonds-21460.htmTRCB.comFinance / Personal Financehttp://trcb.com/finance/taxes/tax-problems-can--be-of-many-types-21259.htmIf you have not paid taxes in the past, you may face serious tax problems. You may notice this when a specific amount of debt appears on your statement of account.Mon, 25 Jan 2010 16:26:52 ESThttp://trcb.com/finance/taxes/tax-problems-can--be-of-many-types-21259.htmTRCB.comFinance / Taxeshttp://trcb.com/finance/taxes/arcane-income-tax-tip-20458.htmCost segregation is simply an accurate way to allocate the cost basis of real estate and establish a depreciation schedule. The real estate depreciation schedule is often established by allocating a portion of the cost basis to land and allocating the balance to a long term depreciation recovery period (27.5 or 39-yr straight-line depreciation). Thu, 07 Jan 2010 13:41:50 ESThttp://trcb.com/finance/taxes/arcane-income-tax-tip-20458.htmTRCB.comFinance / Taxeshttp://trcb.com/finance/taxes/disabled-veteran-tax-exemptions-in-texas-17330.htmTo receive a disabled veteran tax exemption, you must be either a veteran who was disabled while serving with the U.S. armed forces or the surviving spouse or child (under 18 years of age and unmarried) of either a disabled veteran or of a member of the armed forces who was killed while on active duty. Mon, 19 Oct 2009 10:43:48 ESThttp://trcb.com/finance/taxes/disabled-veteran-tax-exemptions-in-texas-17330.htmTRCB.comFinance / Taxeshttp://trcb.com/finance/credit-tips/be-very-careful-of-these-5-credit-repair-company-scams-14194.htmThe Internet, Radio and TV, newspapers and magazines are running advertisements these days for credit repair services and many are scams. These scams often promise to fix your bad credit overnight. In reality, many of these so-called 'experts' will either overcharge you, involve you in illegal activity, or actually put you in a worse financial situation. Here are the 5 of the most common scams.Sat, 22 Aug 2009 14:31:59 ESThttp://trcb.com/finance/credit-tips/be-very-careful-of-these-5-credit-repair-company-scams-14194.htmTRCB.comFinance / Credit Tipshttp://trcb.com/finance/bankruptcy-tips-advice/credit-crisis-how-bankruptcy-will-embarrass-you-and-your-family-14163.htmChoosing a bankruptcy will seriously damage your credit score more than just about any other debt relief solution. Bankruptcy will ruin your credit score for many years. Most people understand, after a bankruptcy, they will not be able to get loans but few people realize that bankruptcy will impact their entire life and that of their family in many unforseen ways.Sat, 22 Aug 2009 14:23:03 ESThttp://trcb.com/finance/bankruptcy-tips-advice/credit-crisis-how-bankruptcy-will-embarrass-you-and-your-family-14163.htmTRCB.comFinance / Bankruptcy Tips Advicehttp://trcb.com/finance/credit-tips/fast-credit-repair-after-your-financial-meltdown-14105.htmUnexpected problems can happen to the best of us - bankruptcy, divorce, legal judgments, unemployment, illness, etc. Any of these are very personal and can affect your FICO credit score in a big way. If you have faced a financial meltdown, you need to take action quickly and work consistently if you want to fix your credit and rebuild your FICO score. Sat, 22 Aug 2009 14:20:15 ESThttp://trcb.com/finance/credit-tips/fast-credit-repair-after-your-financial-meltdown-14105.htmTRCB.comFinance / Credit Tipshttp://trcb.com/finance/wealth-building/11-ways-to-build-financial-wellness-and-great-credit-fast-14226.htmHaving good financial habits, especially your habits surrounding debts and other financial obligations, are the keys to having excellent credit. But, we all know how difficult it can be to understand the 'fine print' in most fix credit programs. Here are 11 basic steps you can adopt starting today that will do wonders for your financial wellness.Sat, 22 Aug 2009 14:11:09 ESThttp://trcb.com/finance/wealth-building/11-ways-to-build-financial-wellness-and-great-credit-fast-14226.htmTRCB.comFinance / Wealth Buildinghttp://trcb.com/finance/taxes/low-income-housing-tax-credit-market-studies-and-appraisal-14252.htmLow Income Housing Tax Credit (LIHTC or Housing Tax Credit) program has been made a permanent element of chapter 42 of the Federal Income Tax Code. Owners of Low Income Housing Tax Credit Properties receive tax credits for a portion of the construction/renovation cost. Tax credits can be used to directly reduced federal income taxes. (Tax deductions reduce taxable income and thereby indirectly reduce income taxes.)Sat, 22 Aug 2009 13:56:17 ESThttp://trcb.com/finance/taxes/low-income-housing-tax-credit-market-studies-and-appraisal-14252.htmTRCB.comFinance / Taxeshttp://trcb.com/finance/credit-tips/how-to-get-a-free-credit-report-with-no-strings-attached-14038.htmGo on-line and search for "free credit report" and you find find pages and pages of offers and advertisements promising fast access to your credit history and FICO credit score. It's overwhelming unless you know how to sort out the really free reports from the sales pitches. Start here... Sat, 22 Aug 2009 12:01:48 ESThttp://trcb.com/finance/credit-tips/how-to-get-a-free-credit-report-with-no-strings-attached-14038.htmTRCB.comFinance / Credit Tipshttp://trcb.com/finance/credit-tips/challenging-your-credit-report-to-fix-your-credit-score-14021.htmIf you want to improve your credit score, you need to go right to the source - your credit reports. Yes, all three reports! You must get reports from the major credit bureaus. They are Experian, TransUnion, and Equifax. Do not get the free versions. Pay for them and get your FICO credit score at the same time. Here is why... Sat, 22 Aug 2009 11:47:29 ESThttp://trcb.com/finance/credit-tips/challenging-your-credit-report-to-fix-your-credit-score-14021.htmTRCB.comFinance / Credit Tipshttp://trcb.com/finance/personal-finance/what-is-the-major-difference-between--a-profitable-trader-from-a-losing-trader-13924.htmWhat is the Major Difference Between A Profitable Trader From A Losing Trader?Sat, 22 Aug 2009 10:22:53 ESThttp://trcb.com/finance/personal-finance/what-is-the-major-difference-between--a-profitable-trader-from-a-losing-trader-13924.htmTRCB.comFinance / Personal Financehttp://trcb.com/finance/loans/loans-dont-give-them-your-social-security-number-to-get-a-quote-13853.htmThe number one mistake that we made when applying for credit was giving our Social Security numbers to prospective lenders. Why? Because it hurt our FICO credit score. We were not really dumb, just young and uneducated about credit. Here's what we do now... Sat, 22 Aug 2009 09:26:41 ESThttp://trcb.com/finance/loans/loans-dont-give-them-your-social-security-number-to-get-a-quote-13853.htmTRCB.comFinance / Loanshttp://trcb.com/finance/credit-tips/fico-credit-repair-4-things-you-need-to-know-13693.htmA long time ago I found out the hard way that my FICO Credit Score could be the seed of financial despair. It's the one credit number that lenders judge us by so I thought I would show you how that number is arrived at. This is not common knowledge so read on... Sat, 22 Aug 2009 09:11:07 ESThttp://trcb.com/finance/credit-tips/fico-credit-repair-4-things-you-need-to-know-13693.htmTRCB.comFinance / Credit Tipshttp://trcb.com/finance/debt-consolidation/you-can-have-a-credit-counselor-for-free-13655.htmCredit Counselors and Debt Consolidators are inundating the Internet, newspapers, magazines, radio, and television with ads promising to make it easy to fix your poor credit history and your poor FICO credit rating. This appears to be great news. Let's see if it really is good news.Sat, 22 Aug 2009 09:09:22 ESThttp://trcb.com/finance/debt-consolidation/you-can-have-a-credit-counselor-for-free-13655.htmTRCB.comFinance / Debt Consolidationhttp://trcb.com/finance/wealth-building/teaching-children-the-financial-facts-of-life-13616.htmTeaching kids the keys to sound financial planning.Sat, 22 Aug 2009 08:51:50 ESThttp://trcb.com/finance/wealth-building/teaching-children-the-financial-facts-of-life-13616.htmTRCB.comFinance / Wealth Buildinghttp://trcb.com/finance/personal-loans/think-like-a-lender-and-win-the-credit-scoring-game-14308.htmAs soon as you can, make a lunch date with your lender. Why is this a good idea for you? When you learn how these finance folks think, you will have a serious edge when it comes to getting credit. Here are some tips to make the most of the thinking process of lenders.Tue, 18 Aug 2009 20:13:56 ESThttp://trcb.com/finance/personal-loans/think-like-a-lender-and-win-the-credit-scoring-game-14308.htmTRCB.comFinance / Personal Loans