Haywood Dickerson

The Benefits of Futures Trading

One of the least understood financial markets is the one for futures. That is in part a function of the fact that for many years it has been referred to as "commodity futures", which has no doubt turned many would-be traders away, folks who don't have any... Read >

Understanding Your Roth IRA

The Roth IRA was born on January 1, 1998 as a result of the Taxpayer Relief Act of 1997. It's named after former Senator William V. Roth, Jr. The Roth IRA provides no deduction for contributions, but instead provides a benefit that isn't available for any... Read >

Why Refinance When Rates Are Going Up?

Even though rates are on the rise, that doesn't mean you shouldn't refinance. Practically everyone has refinanced or thought about it at one point in time. We've seen the dozens of commercials that urge us to do it. With rates at record lows over the p... Read >

Interest Rates May Not Be What They Seem

For all people shop around for the best rate, there are few who have taken the time to sit down and add it all up. After all, why would you bother? The answer is that understanding just how interest rates work can help you see how important small differen... Read >

An Introduction to 401(k) Plans

A 401k is a good place to start in planning for your future retirement, no matter how far away you may be from the actual time. A 401k account is a special type of savings account that is funded directly through your paycheck each pay period. How it works... Read >

Funding Home Improvements with Equity

Is it time for a new roof and updated windows? Do the kids need more space? Is the garage overrun with stuff with no room for the cars? You're going to need some money to get these projects done, whether you decide to hire a contractor or do it yourse... Read >

What is a Mortgage?

A mortgage is defined as a way in which property or jewelry is used as a security against the debt. The loan that is taken against mortgage is termed as 'mortgage loan'. This loan is taken in many countries mainly for the purpose of purchasing home or for... Read >

The Principles of Debt Consolidation

Debt consolidation is basically transferring of balances from multiple accounts with high interest rates to another account with relatively lower interest rate. Debt consolidation may involve transferring of balances from multiple unsecured loans into ano... Read >

Debt Consolidation for the Uninitiated

For some people, getting into debt is inevitable because of emergencies or other unforeseen events. But for the majority of us, getting into debt is a result of carelessness. Take this scenario, you hesitate to pay your car in cash because it seems like y... Read >

Venture Capitalist Firms in the UK

Any new startup would require proper funding and without that it is difficult to be successful in their business venture. Choosing your UK finance partner is an important step in setting up your business. The venture capital firm should be able to underst... Read >

Understanding Your Mortgage Options

A mortgage is a loan that must be taken out by all homebuyers. The mortgage is provided by a bank or other lending institution and gives the homebuyer the money needed to purchase the home. The mortgage then needs to be paid back by the borrower in monthl... Read >

Your Financial Resolutions for the New Year

Do you remember any of the New Year's resolutions you made for 2005? If you don't, it may not be such a tragedy. After all, you still may have had a good quality of life even if you didn't get to the gym three times a week, learn a new language or take th... Read >

Things to Consider Before You Declare Bankruptcy

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before th... Read >

Finding Success with Affiliate Programs

The buzzword today is Internet. Everybody is excited about this technological wonder especially since it is gradually becoming the best employment provider known to human kind. Anyone, absolutely anyone who has the ability to turn on a computer and operat... Read >

Mistakes to Avoid When Refinancing an Auto

If you are considering the purchase of your first car or even your next vehicle if you're not a first time car buyer, you may be concerned about the prospect of financing your vehicle. This concern is not totally unfounded. There are numerous pitfalls tha... Read >