jay moncliff's Articles http://www.a1articles.com en-us editorial@articlealley.com Things you need to know about home equity In essence, a home equity loan uses the current equity you have in your home as collateral for a second mortgage. The more equity you have, the more you can borrow. As with all finance provided against security such as property, if you do not maintain you... http://www.a1articles.com/things-you-need-to-know-about-home-equity-26142.html 01st February 2006 How to successfully apply for a home loan Home Loan Tip #2 Continuous employment history Mortgage lending criteria includes a review of your employment history, and it is generally accepted that two years continuous employment in the same (or similar) job will reflect favourably on your applicat... http://www.a1articles.com/how-to-successfully-apply-for-a-home-loan-26103.html 01st February 2006 Tips to Lower Your Debt Levels Debt Management Tip #1 Pay on time. Making your payments when or before they are due is the easiest and most important way to protect your credit record. Added to this, on time payment means no late fees, and no adverse marks against your credit record e... http://www.a1articles.com/tips-to-lower-your-debt-levels-20957.html 24th December 2005 What to Look for in a Financial Advisor The first enquiry you should make relates to education. Competence and quality with advisors comes in the form of a relevant tertiary education, professional memberships of financial advisory groups, and certificates or further qualifications that show on... http://www.a1articles.com/what-to-look-for-in-a-financial-advisor-20939.html 24th December 2005 Planning Your Financial Future We could all use a few tips to get started, and once it's part of your routine, financial planning actually isn't that difficult. Just like walking, the first steps are the hardest, and these tips are designed to kick-start the desire to make planning you... http://www.a1articles.com/planning-your-financial-future-20784.html 23rd December 2005 Choosing the Right Golf Club for You Cast Iron Golf Club With cast iron golf clubs the majority of the weight in the golf club is around the perimeter of the club head. This feature makes the sweet spot larger, which is great for both beginners and those who encounter difficulty making full... http://www.a1articles.com/choosing-the-right-golf-club-for-you-20755.html 23rd December 2005 Day trading forex market behaviour Just as a day trader will closely track stock price movements on the Dow Jones Industrial Average, all over the world forex traders monitor currency fluctuations in a similar fashion. Forex traders have the aim of using the smallest amount of one curre... http://www.a1articles.com/day-trading-forex-market-behaviour-20166.html 17th December 2005 Trading currency through online forex brokers Financial institutions are generally the most influential in the forex market through high-volume, large-value forex currency transactions. Historically, banks enjoyed monopolistic access to the forex markets, but through the Internet, any forex specula... http://www.a1articles.com/trading-currency-through-online-forex-brokers-20142.html 17th December 2005 Trading forex to advance your financial position Today's traders operate in a global network, taking positions in the market and making investment decisions based on either relative value between two currencies, or a particular currency's actual price. Currency value fluctuations are constantly renegoti... http://www.a1articles.com/trading-forex-to-advance-your-financial-position-20128.html 17th December 2005 Start your own baseball fantasy league Fantasy League Step #1 Get your teams together The first step to creating a baseball fantasy league is getting your teams together. You need to find between 8 and 12 friends to participate and create their own team. Why 8-12 teams? This is the range of ... http://www.a1articles.com/start-your-own-baseball-fantasy-league-19971.html 17th December 2005 Important nutritional information on cat food Cat Food Fact #2 Cat Food with Taurine Taurine is an important amino acid for your cat, and you should also check that the food you buy contains this supplement. Cats control their own levels and indicate these with their appetite. If you cat is eating ... http://www.a1articles.com/important-nutritional-information-on-cat-food-19956.html 17th December 2005 Stop paying standard hotel rates through the web Many people are actually discovering websites with the sole purpose of finding and providing comparisons on almost anything you might want to purchase from discount hotels and airline tickets to rental cars and cruises. All you need to do is get online. ... http://www.a1articles.com/stop-paying-standard-hotel-rates-through-the-web-19932.html 17th December 2005 Negotiate the cheapest auto loan Auto Loan Tip #1 Buy at the End of the Month Frequently the marketing tactics of auto dealerships involve contests, with the winner receiving either a physical or monetary prize and some coverage in the local newspapers. Research indicates that these con... http://www.a1articles.com/negotiate-the-cheapest-auto-loan-19858.html 16th December 2005 Internet banking fundamentals Traditional banks have monitored the popularity and growth of the internet, and realising customers wanted greater control of their affairs, have created their own internet banking web sites. Customers now have the freedom to securely perform their bankin... http://www.a1articles.com/internet-banking-fundamentals-19842.html 16th December 2005 A Marketing Strategy for Winners The first marketing strategy you should look into is your website. Make sure your web design is eye catching and easy to maneuver. A marketing strategy you can add to this is to have attractive pictures or illustrations that get your customers attention... http://www.a1articles.com/a-marketing-strategy-for-winners-17831.html 30th November 2005 Advertising... The Best Marketing Tip One great marketing tip is to use an auto responder. Autoresponders automatically send out emails to people on your mailing lists or to people who have been to your website. You can then send out advertisements of your business or service. This is a gr... http://www.a1articles.com/advertising-the-best-marketing-tip-17828.html 30th November 2005 The Right Marketing Tool For You A marketing tool is something that a business uses to promote its product or service. This can be done through various means. But the main one is advertising (or marketing). A marketing tool can be any of the following: web design, SEO, photos or illu... http://www.a1articles.com/the-right-marketing-tool-for-you-17822.html 30th November 2005 The Sheraton Roma Hotel, Italian Luxury The Roma Hotel is located between The Fiamicino/Leonardo Davinci International Airport and the historical city center. There are many attractions near the Roma Hotel for those of you touring Rome. The Coliseum, Vatican City, and the Sistine Chapel are a... http://www.a1articles.com/the-sheraton-roma-hotel-italian-luxury-17807.html 30th November 2005 The Advantages of SEO Training Before you start SEO training, you should first understand what SEO is. SEO basically means optimizing the results of a persons search on the web to lead to your website. When someone does a search, say on google.com, they type in a keyword and start the... http://www.a1articles.com/the-advantages-of-seo-training-17796.html 30th November 2005 Internet Sales Training for a Profitable Business Internet sales training is a must for anyone who wants to make a profit with any type of online sale. It doesn't matter if you are a business owner, or if you just have a lot of stuff to sell such as: antiques or household items. Internet sales trainin... http://www.a1articles.com/internet-sales-training-for-a-profitable-business-17494.html 29th November 2005 Tanning Beds, Are they Safe? The skin tans when exposed to ultraviolet light. To keep itself from burning, skin will manufacture extra coloring, called pigment. This pigment is what causes us to "tan". However, when we get too much ultraviolet light and burn, serious problems can ... http://www.a1articles.com/tanning-beds-are-they-safe-15473.html 13th November 2005 Web Conferencing Services: Meetings in Cyberspace A web conference allows groups of individuals in different locations to have online meetings and discussions via the world wide web. Large corporations, small businesses, families and educational institutions are all taking advantage of this new form of ... http://www.a1articles.com/web-conferencing-services-meetings-in-cyberspace-15156.html 12th November 2005 Travel Spain: Girona and the Dali Triangle Girona is an beautiful, quaint town with an long history. The town was inhabited by Romans, Jews and Moors at different times in Spain's history, and traces of each group can be seen in this lovely city. The local dialect is Catalan, not Spanish, but th... http://www.a1articles.com/travel-spain-girona-and-the-dali-triangle-14568.html 06th November 2005 Winsor Pilates, a Great Addition to Your Exercise Routine Winsor Pilates is one of the many exercise systems advertised through infomercials, and one of the biggest sellers. With celebrity endorsements from the likes of Daisy Fuentes and Madonna, it's hard to resist the infomercial and not pick up the phone. ... http://www.a1articles.com/winsor-pilates-a-great-addition-to-your-exercise-routine-14534.html 05th November 2005 Softball: Olympic Sport No Longer? Fast pitch is different from the looping, relaxed pitch often used in recreational softball leagues. Fast pitch players must hit a ball traveling at about 70mph. This is slower than baseball, but certainly much faster than the meandering slow pitch game... http://www.a1articles.com/softball-olympic-sport-no-longer-14521.html 05th November 2005 Online Video Game Rentals-How do They Work? Tired of going to the video store with the kids to rent those ever-popular video games? Many new services have cropped up in the last few years that make this parental ritual, and the late fees that go along with it, a thing of the past. Going online ... http://www.a1articles.com/online-video-game-rentalshow-do-they-work-13180.html 24th October 2005 Basic Color Theory Scrapbooking Ideas Remember the color wheel? Colors arranged in a circle, similar to a rainbow, and all of the colors related? Red combines with yellow to make orange, yellow and blue combine to make green, and red and blue make purple, remember? Visit your local craft s... http://www.a1articles.com/basic-color-theory-scrapbooking-ideas-13177.html 24th October 2005 Prepackaged Shopping Cart Software: Upgrade your Site There are many different shopping cart software packages available, ranging from reasonable to extremely expensive in price. They all do the same thing, though, and this can make it hard to choose between products. There are many pre-packaged applicatio... http://www.a1articles.com/prepackaged-shopping-cart-software-upgrade-your-site-13172.html 24th October 2005 I Can't Pay my Loan-Student Guidelines for Recovery Before you enter the default stage, relax and review your options. Realize that you aren't alone. Unfortunately, since so many former students default on their loans each year, the Department of Education has a well-oiled process of collecting payments ... http://www.a1articles.com/i-cant-pay-my-loanstudent-guidelines-for-recovery-13008.html 22nd October 2005 Investing Stock Market ABC's A stock is a portion of ownership in a company. Commonly referred to as a share, it is a small percentage of the total ownership pool for the corporation. Shareholders are stock owners, or people who have an ownership interest in the corporation. Today... http://www.a1articles.com/investing-stock-market-abcs-12312.html 14th October 2005 Mortgage Banking: Is it for you? A mortgage loan officer helps people get loans to buy houses or re-finance property they already own. A commercial loan officer may also handle mortgages, but for businesses and companies. Depending on the type of company the loan officer works for, hou... http://www.a1articles.com/mortgage-banking-is-it-for-you-12302.html 14th October 2005 Investing Offshore, Could it Be for You Offshore investing is simply placing your investment dollars in an account with a bank that is not in the United States. There are several advantages to investing offshore. First, there is less regulation. Some may feel that this makes the investment ... http://www.a1articles.com/investing-offshore-could-it-be-for-you-12300.html 14th October 2005 Online DVD Rental - Big Business Online DVD rental has become a big business in the past few years. DVD's are more reliable, and much less expensive to produce and mail than VCR tapes. More and more consumers are skipping the theaters and waiting for the film they want to see to come o... http://www.a1articles.com/online-dvd-rental---big-business-12286.html 14th October 2005 Stay at a Five Star Prague Hotel The Hotel Le Palais is one of the five store properties in Prague. This beautiful property is a fine example of belle epoch architecture and has been lovingly restored with historical accuracy. Several portions of the structure are classified as histori... http://www.a1articles.com/stay-at-a-five-star-prague-hotel-12275.html 14th October 2005 A short introduction to a Hotel in London. The City Hotel in London is located in Aldgate at the edge of London's square mile. From the hotel, you can easily access the London City Airport. Close by you will find Petticoat Lane which offers great attractions for those interested in the fashion w... http://www.a1articles.com/a-short-introduction-to-a-hotel-in-london-11722.html 08th October 2005 Profiles of Hotels in Madrid. The Hotel Santa Domingo hotel in Madrid offers its guests comfort. It is located in de Santo Domingo with 120 rooms, each of which is uniquely decorated so no two are alike. Each room has thermostats and bathroom water temperature controls. A choice of... http://www.a1articles.com/profiles-of-hotels-in-madrid-11721.html 08th October 2005 Great Hotels Cater to Families in Las Vegas Circus, Circus is a great choice for a family vacation in Las Vegas. The facility is comprised of three towers with a connecting sky shuttle, viewed by most children as the first attraction. The Adventuredome inside the complex is the world's largest in... http://www.a1articles.com/great-hotels-cater-to-families-in-las-vegas-11593.html 06th October 2005 What is debt management? To start your debt management program and make a budget you will need to know all of your expenses and income for a set period of time. Most budgets are done on a monthly basis. You should record your monthly income and expenses on a sheet that will all... http://www.a1articles.com/what-is-debt-management-11457.html 06th October 2005 What you need to know about deep fishing. The equipment used to deep fish is basically the same as other fishing equipment. In deep fishing, though, the equipment has to be suited to fishing in the depths of the water. The line need to be stronger because the fish are stronger and larger. Inst... http://www.a1articles.com/what-you-need-to-know-about-deep-fishing-11444.html 06th October 2005 How to get started in home schooling. The reasons parents choose to homeschool their children vary. Some parents site research like home schoolers placed in the 89th to 90th percentile in national standardized testing. Others state their reasons as being able to provide religious studies an... http://www.a1articles.com/how-to-get-started-in-home-schooling-11429.html 06th October 2005 Finding a Great hotel in Barcelona. Casa Camper Hotel received some nice comments from guests. It has 25 rooms that are decorated in creative fashions that match the amazing décor of the entire hotel. Extras, like minibar and room service, are included in the base cost so you do not end u... http://www.a1articles.com/finding-a-great-hotel-in-barcelona-11425.html 06th October 2005 Giving your Kids a Cellular Child Phone As cellphone technology becomes more and more advanced and prices of phones drop further and further, many families are utilizing shared calling plans and prepaid phones to furnish their children with cell phones. Most parents feel that children can be t... http://www.a1articles.com/giving-your-kids-a-cellular-child-phone-11126.html 04th October 2005 Distance Learning for Your MBA Distance learning via internet is a relatively recent phenomenon. Usually, a student will enroll in an online university and take the all of the classes online. Sounds like a great deal, right? There are many pitfalls for the distance learner. Be... http://www.a1articles.com/distance-learning-for-your-mba-11114.html 04th October 2005 Financial Planning: What's your Designation? Start by learning what the different designations mean. You may have noticed that there are three popular financial designations that most financial planners hold. You'll want to choose one with one of the following designations. Like many CPA's, a C... http://www.a1articles.com/financial-planning--whats-your-designation-11088.html 04th October 2005 What Financial Services do Credit Unions Offer? Credit unions are cooperative banking and financial companies. They are usually non-profit and cater to a particular group of people that work or live in the same place, for example. Credit unions are owned by the accountholders, who also participate in... http://www.a1articles.com/what-financial-services-do-credit-unions-offer-11079.html 04th October 2005