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Market Commentary  
Economic Review

The Dow and S&P rose to their highest levels in over a year on Thursday, ending
the day at 10,710.55 and 1,148.46, respectively. Investors received mixed news as
companies began issuing quarterly earnings reports, with JPMorgan Chase
announcing heavy mortgage and credit card loan losses. Disappointing reports on
retail sales and consumer sentiment also contributed to market declines for the
week. For the week, the Dow lost 0.05 percent to close at 10,609.65. The S&P fell
0.77 percent to finish at 1,136.03, and the NASDAQ dropped 1.26 percent to end
the week at 2,287.99.
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            How to Write a Business Plan
                          A written guide to starting and running your business
                          successfully is essential.  This plan will encourage loans,  
                          promote growth, and provide a map for you to follow.

The importance of a comprehensive well thought out business plan cannot be
overemphasized. Much hinges on it: outside funding, credit from suppliers,
management of both your operation and finances, promotion and marketing of your
business, and achievement of your goals and objectives.

Despite the critical nature of a business plan, many owners and managers drag
their feet when it comes to preparing a written document. They argue that their
marketplace changes too fast for a business plan to be useful or that they just don't
have enough time -- they are too busy running the business. But just as a builder
won't begin construction without a blueprint, eager business owners shouldn't rush
into new ventures without a business plan.
Term Life Insurance Basics
                                   A close look at this popular low cost life insurance product.

We've all seen the TV commercials—term life insurance for just a few dollars a
month. While these advertisements may be based on very favorable situations, the
general premise is true. Term life insurance is the simplest and most inexpensive
form of life insurance. And it can provide the peace of mind that comes from
protecting your family at a very low cost. Even with its plain vanilla image it's
important to understand some of the basics before purchasing.

Term life insurance provides the largest immediate death benefit for the minimum
premium dollar. When compared to traditional whole life policies, term life
insurance is substantially cheaper. Its reasonable rates allow for the purchase of
much larger coverage than can be afforded from permanent life insurance. Term
insurance covers you for a specified period of time, usually 5, 10, 20, or 30 year
periods. As the name implies, term insurance is temporary, for a set period of time.
Unlike universal or whole life insurance it does not accumulate cash value.
                           Avoiding Foreclosure
                                           If you need foreclosure help, taking an active role
                                           early plays a major role in avoiding foreclosure. We’ll
                                           show you a few potential ways to stop foreclosure
                                           before it's too late.

Homeowners who have trouble making mortgage payments in a timely matter may
be subject to seizure and the loss of title of their home. For these often well-
intentioned individuals, unforeseen circumstances such as job insecurity or medical
issues have them facing the unfathomable—home foreclosure. Regardless of the
circumstances, it should and can often be avoided, with a little effort.

If you're unable to make your mortgage payment, it's absolutely critical that you call
your lender now, in order to stop foreclosure. Ignoring the bills will only make
matters worse, increasing the likelihood that you'll lose your home for sure.
Borrowers who seek foreclosure help early are much more likely to work out a
solution, no matter how dire their situation. Mortgage companies want to avoid
foreclosure as much as you; they're much more interested in the money they make
off your interest, rather than the money they'll lose on your home foreclosure. Based
on your situation, your lender may be able to provide the foreclosure help that you

                        Is an Immediate Annuity Right for You?
                                      An income stream that you'll never outlive sounds
                                      pretty attractive.  We'll see if they're right for you.

Americans are living longer than ever.  The idea of living a longer, healthier life
appeals to all of us, but for many of us, the tradeoff is outliving our retirement
savings.  The crippling costs of healthcare and the constant rise of inflation continue
to compound this financial predicament. A single premium immediate annuity
(SPIA) may help with this dilemma, providing you with an income stream that you
will never outlive.  We'll take a look at the pros and the cons.

Here's how they work

While many annuities are designed to build value for retirement, immediate
annuities are designed to provide income immediately in retirement. A fixed
immediate annuity is a contract between you and the insurance company.  They are
usually purchased with large lump sums of money by conservative investors in
order to pay for expenses over a long period of time.  In exchange for this lump sum
premium the insurance company pays you a monthly income for as long as you live.
                          Ditch Free Credit Report Fees
                                         Free credit report sites with hidden fees are all too
                                         common these days. We'll show you how to get a real
                                         free credit report online.

In 2003, the Fair and Accurate Credit Transaction Act (FACTA) gave every
consumer the right to view their credit reports from each credit bureau for
absolutely free. Since then, a host of “free credit report” sites have popped up.

Most popular is freecreditreport.com, the one with the catchy jingle, that “monitors
your credit and sends you email alerts, so you don’t wind up selling fish to tourists in
t-shirts.” Unfortunately, many consumers have found out the hard way that credit
reports at freecreditreport.com and similar sites aren’t so free after all.

What’s a Credit Report?
Your credit report is a compilation of your credit accounts and related information
like when the account was opened, the account balance, and how timely your
payments have been. Credit reports are maintained by credit reporting agencies a.
k.a. credit bureaus.

There are three major credit bureaus in the United States – Equifax, Experian,
and TransUnion. Typically, consumers have a credit report at each of these
credit bureaus.
Personal Finance
Personal Finance
Free Credit Report
Personal Finance
Write a Business Plan