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Kevin Erickson's Articles Mobile Computing (1) Destinations (1) Email Marketing (1) Networks (1) Stock Market (1) Insurance (2) Debt Management (4) Credit (5) Mortgages (1) Investments (2) VOIP (2) Broadband Internet (1) Home Based Business (3) Careers (6) Display Category|Title|Newest|Oldest Business Plans - What Do They Include? Ok... so you've finally reached that stage in the development of your home business to get started. You've done the research, you have a game plan and you're ready to go except for one small detail... you need money. Whether it comes from a loan or from investors it doesn't matter but you need a good dose of seed money to put all your hard work and planning into action. However, regardless of who hears your money pitch before they give you a dime they will want see your busin... Credit Card Interest Rates - Why It's Important To Understand How They Work Einstein put it best when he said, "Compounding interest is the greatest mathematical discovery of all time". Now the question you need to ask is, "Do I want this force working for me or against me?" If you own a credit card and you carry-over balances from month to month then you've got that amazing force called compounding interest working against you. In this article, I'll attempt to explain how this "force" works against you month after month after month, in the form o... Credit Card Payment Holidays - Blessing Or Curse? If you have a credit card (most Americans have over 10) then you've probably received an offer called a "payment holiday". You'll receive a letter that says something to the effect, "That because XYZ Credit Card Company understands how difficult it is for some families around this time of year to make ends meet (or whatever other excuse they can come up with) that you are being given the opportunity to take a month off from making your monthly payment as a 'special gift' and ... Debt - Strategically Pay It Back When paying back debt, a little strategy goes a long way. It can literally save you hundreds, even thousands of dollars in interest charges. And the best part is that the best, most effective strategy is so easy to follow. List Your Debt Make a list of all your debt: The amount of each, the monthly payment and the interest rate. You may have trouble finding this information, but it's worth bringing it all together into one place and documenting it in a format you can fo... Debt Consolidation Loan - Financial Savior? It's the day you've been waiting for the last two weeks... payday and the only time when your face lights up and you actually go to the office with a lot of wonderful, dreamy thoughts in your head - such as how fast you'll be able to bolt out of the office and get yourself down the to nearest mall and you can already smell the Caffè Verona® you plan on ordering at Starbucks. Either way, you seem compelled to impulsively spend all of that hard-earned cash on something that in ... Email To Telephone - Innovative Tool Or High Tech Hype? What will those technology geeks come up with next? Hardly a day goes by anymore, that some new and "cool" high tech gadget or service is unveiled. Anyway, one of latest I've come across is something called "email to telephone" and I just wanted to pass along my thoughts on this "potentially" time-saving and innovative tool. Email to Telephone does pretty much what the name implies. It allows you to send or receive email messages over the phone. More specifically, it allow... Factors That Trigger Credit Card Rate Hikes Are credit card companies trying to scam you? On the one hand, they provide a valuable service that gives you the added convenience of being able to purchase items and services you need and sometimes don't need and to pay them off in a manner that best suits you. On the other hand, some credit card issuers are trying to scam you and they do everything in their power - legal or otherwise to do it. Legal or not, many of the practices they follow are clearly unethical and unl... For An Adventure Of A Lifetime Travel Alaska Are you like John Locke of the TV series Lost and simply dying for an adventure? Or perhpaps you're simply bored to death and you want to experience more of life. Have no fear because there's no need to travel half-way across the globe to taste adventure in the wilds of Africa or the rainforests of South America. Why should you when you've got Alaska. Alaska... the 49th state and fondly known as the Land of the Midnight Sun and The Last Frontier. Most people believe that ... Got Debt - Consider A Debt Management Company You've been working yourself silly for years and yet... you still have no savings and the pile of unpaid bills seems to grow each and every month. You have creditors breathing down your neck - calling and sending you letters so much that you're afraid to answer the phone or pick up your mail... it's a difficult and stressful pill to swallow. Sound familiar? Unfortunately, many people who are saddled with debt seem to be under the delusion that everything will eventually go... Home Business Scams - Tips On Avoiding Them Maybe the reason you're interested in setting up a home business is because you've seen an ad that perked your interest or you were approached by a friend or colleague about a great home business money-making opportunity and those entrepreneurial juices started to flow. Your imagination starts to flow and dreams of quitting your job fill your every thought. Hello, hey, ok... time to stop dreaming. I hate to burst your bubble or stop your fantasy ride but before you give y... How Your Credit Score Determines The Size Of Your Bank Account Every time you apply for any type of loan or you are issued credit or you pay any bill, it becomes a part of the equation that determines your credit rating. The primary or big three credit agencies are: Experian, Equifax and Trans Union. The credit score they determine is what all major lenders and most companies use when deciding if they will lend you money or issue you credit and the terms that credit will have. Your Credit Rating - What Does It Include? All of your... Important Questions To Ask When Choosing Insurance Coverage When was the last time you sat down and actually thought about your insurance coverage? Let's face it, it's not exactly on the weekly "to do list" for a wide variety of reasons and so… it's not surprising that many are caught unprepared when an emergency happens. One thing to remember is that you don't have to live in an area susceptible to a major disaster (i.e. living in an earthquake or hurricane prone area) to suddenly realize that your current insurance coverage is woefu... Insight Into Trading - What Percentage Of Your Trades Are Winners? An Inquiry into Trading Systems, Money Management and the Human Psyche At a recent seminar, I got involved in an interesting discussion with other attendees centered on trading success. More specifically, the percentage of successful trades and the percent of accuracy you should realistically expect from trading. For whatever reason, our minds tend to focus on accuracy as the primary way of evaluating a speculative endeavor. True to form, accuracy - our mental magnet of m... Investing - How To Profit Using Formulas A classic Wall Street yarn, concerning a young man who was in the early stages of learning to be a professional speculator goes something like this. The young man had a problem, so he went to an elderly gentleman noted for his shrewd investment judgment, for advice. The young man had taken on quite an extensive line of stocks, but the market looked a bit over-valued and so he was thinking that his positions carried too many risks. He wondered if he shouldn't perhaps sell. He ... Investment Formulas - What Purpose Do They Serve? What exactly does a formula do? A complete detailed explanation can be as vast and complex as each individual investor and is beyond the scope of this article but a brief summary of a formula's usefulness would include the two primary functions it fulfills. First, over a full market cycle, it will improve your investment profits without the application of any thought whatsoever on your part. A good thing for most investors, because the less emotion they inject into their i... Is A Travel Nursing Career A Dream Come True? Deciding what job to pursue after college entails more brain cells that most activities. Unlike deciding on what car to buy or what clothes to wear, one must give the decision its due because it will effect your happiness and quality of life for the next three to four decades. Most people believe that a career in travel nursing is stuff that dreams are made of. For those currently following this career path… most of those who have experienced this lifestyle agree that it i... Is Your Laptop Or Home Computer Wireless Enabled? Built in wireless capabilities are becoming almost standard equipment on most laptop and home computers these days for a couple of reasons. One of the primary reasons is cost. Adding wireless capacity is so inexpensive that it would be silly for the manufacturers not to add it. The perceived value of any machine with wireless capacity far exceeds the cost to add it. Wireless is the wave of the future, so if the manufacturers want to stay ahead of the technology curve they nee... Legal Assistants And Paralegals - The Future Is Bright One of most common ways to become a legal assistant or paralegal is through a community college program that leads to an associate's degree. Another common route; primarily for those who already have a college degree, is through a program that leads to a certification in paralegal studies. Many legal assistants and paralegals have associate degrees in paralegal studies or a bachelor's degree paired with a certificate in paralegal studies. Currently, a small number of schoo... Market Yourself As A Paralegal What does it mean to make yourself marketable or sellable? Does it require that you quit your job, completely change careers or go back to school. Perhaps, but for this article it simply means making the most of your skills and abilities and continually looking for ways to improve. Whether you just graduated or you've been a paralegal for many years, learning to market yourself is an essential skill in maximizing your potential. Both financially and in the opportunities t... Medical Transcription - An Emerging Profession Medical Transcription is the process of interpreting and transcribing the dictation made by doctors or other health care professionals regarding patient status, treatment procedures, diagnoses, prognoses, etc. With medical transcription of dictated data from physicians, the medical transcriptionist may also edit the text that is produced by voice recognition software. Medical Transcription is the translating of dictations made by a doctor. As a result, it requires an extensiv... Medical Transcriptionist - A Closer Look Medical Transcriptionist jobs have been around since doctors first took the Hippocratic Oath. Ancient cave writings indicate that records of what medical treatments were being performed have been kept for thousands of years. Back then, it was for different reasons but today, medical transcription and in particular, the medical transcriptionist profession has been quietly taking steps forward and is "suddenly" making itself known to the world. In a nutshell, a Medical Trans... Protecting Your Health With Private Medical Insurance We scrimp and save over the latest designer wear, even the hottest cars or fancy jewelry but only a handful of people have actually thought about protecting their financial future with private medical insurance. This beauty behind having a private medical insurance is that it enable you to live your life free from unwanted worry if you were to get sick or have an accident that results in unexpected medical bills. If you're wise you'll get coverage while you can still qual... The Countless Alternatives To Credit Cards Thanks to the constant stream of credit card offers you receive in the mail or through television few people understand that there are viable alternatives. Below are five of those alternatives. 1. Debit Cards Debit cards have been used in many European countries for a number of years, but are relatively new elsewhere. In a nutshell, they are just like credit cards and are accepted in most places where credit cards are accepted. The biggest difference is that they take m... The Pros And Cons Of Credit Card Debt Settlement Are you a self-confessed shopaholic who buys anything and everything that you get your shopping addicted hands on? Such thoughtless and impulsive buying will most likely result in the accumulation of a bunch of junk that will simply collect dust. Can you even remember that silk scarf you just had to have and since it was a virtual steal at 50% off you just had to buy it? Where is it now and how many times have you actually worn it? Is it still fashionable? If you're like m... Thoughts On Securing A Bad Credit Mortgage Over spending, the endless nights of partying, eating out and more or less buying everything on a whim, has most likely put a dent in your financial situation and will affect how you live your life for years to come. Clearly, the best option is to dampen your lavish lifestyle sooner than later. Alleviating yourself from huge credit card, as well as other head-spinning debts by assessing your options now, before all those debs start blowing up in your face is one way to rig... Unconventional Home Business Financing Alternatives While unconventional financing can cost you money in the long run, it does allow you to avoid borrowing money as a loan that needs to be paid back... whether or not your business makes a profit. With the alternative financing options presented here - if your business fails, your obligation to pay back the money expires. These alternatives, to heading down to your local bank or credit union for a personal loan, are venture capitalists and so-called "angel" investors. In both i... VoIP - What Is It And Why Do I Need It? In the dynamically changing world of technology, VoIP (Voice Over Internet Protocol) is one of the latest and potentially greatest wonders ever created by the human mind. Watch a techie show, read a techie magazine or talk to any cyber dude and most will acknowledge that VoIP is one of the coolest advancements they've ever been blessed to experience. On the other hand, for the vast majority who are not techie-nerds and who are looking for a non-techie to English translatio... VoIP Phone - The Pros And Cons You’ve heard of the latest technological miracle and you’re thinking of having a VoIP phone at your disposal. Great... but do you actually know what it is or are you just going with the flow? Either way, this article aims to help you with all the FAQs that are attached to the VoIP phone phenomenon. And without further ado... 1. What the heck is a VoIP phone? Good question but some people wouldn’t even bother asking. Pride and vanity... such a sin. A VoIP phone (Voice Ov... We Are Not Mutts - The Critical Care Transport RN Some things are simply a mystery and so goes the perceived role and importance that the Critical Care Transport (CCT) RN plays in the healthcare field. Other professionals seem to view us like mutts - a little bit of everything but certainly not a thoroughbred in anything. I once heard a co-worker describe the job as something between a magnified EMT and a bench warmer. Such flattery - but what can you do? Anyhow, I just wanted to set the record straight, so to speak, b... Wireless - The Future Of Connecting To The Internet What is WiFi? Wifi or Wireless Fidelity, allows you to connect to the internet from virtually anywhere at speeds of up to 54Mbps. WiFi enabled computers and handsets use radio technologies based on the IEEE 802.11 standard to send and receive data anywhere within the range of a base station. Wireless is a technology that's inexpensive, easy to use, and practical and yet... it's a technology that's still very young. Here's a quick look at what the future could hold for wire... Wireless Internet Terminology - Confusion Or Clarity? Wireless Internet Terminology, like many things in life, especially those that have anything to do with computers is filled with terminology. But like most things, once you learn a few of the basic terms, understanding will come quickly. So don't be confused get informed and to help clarify, I've put together a basic wireless "internet-to-english" guide to help you along. IEEE - The Institute of Electrical and Electronics Engineers The IEEE is in charge of the wireless ...	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