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The Commercial Production Of Ethanol From Corn

(category: Wealth-Building, Word count: 413)
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This second article by Absolute Futures will explain the commercial production of ethanol. Ethanol is a product of fermentation. Fermentation is a sequence of reactions which release energy from organic molecules in the absence of oxygen. In this application of fermentation, energy is obtained when sugar is changed to ethanol and carbon dioxide.

Changing corn to ethanol by fermentation takes many steps. Starch in corn must be broken down into simple sugars before fermentation can occur. In earlier times, this was done by chewing the corn. This allowed the salivary enzymes to naturally break down the start. Today, this is achieved by cooking the corn and adding the enzymes alpha amylase and gluco amylase.

Once a simple sugar is obtained, yeast is added. Yeast is a single-celled fungi which feeds on the sugar and causes the fermentation. As the fungi feeds on the sugar, it produces alcohol (ethanol) and carbon dioxide. In fermentation, the ethanol retains much of the energy that was originally in the sugar, and explains why ethanol is an excellent fuel.

Most ethanol production in the United States is made in 50 production facilities in 20 different states. Most of these plants are located in the Midwest.

Changing the starch in kernels of corn to sugar and changing sugar to ethanol is a complex process and requires a mix of technologies that include microbiology, chemistry and engineering.

Ethanol is produced from corn by using one of two standard processes: wet-milling or dry-milling. Dry-milling plants cost less to build and produce higher yields of ethanol, but the value of co-products is less. Most of the ethanol plants in the U.S. utilize a dry-milling process. The wet-milling operation is more elaborate because the grain must be separated into its components.

After fermentation, the ethanol is removed from the mix of ethanol, water, yeast, and residue. It is then purified through distillation. The distilling process takes advantage of the low boiling point (78C.) of ethanol. When the temperature of the mix is increased slightly higher than the boiling point, the ethanol evaporates. It is then captured as a gas vapor and condensed back to a liquid. Other chemicals are added and molecular sieves are used to purify the ethanol.

Advances in technology are being made to further reduce the large amounts of energy needed for distillation. These advances help to reduce the costs and make producing ethanol much more economical.

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Faxless Payday Loan

(category: Wealth-Building, Word count: 520)
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Payday loans also known as cash advance loans are one of the easiest ways to avail cash when you are in urgent need before your next paycheck is due. Payday loans are very easy to avail, fast and a convenient way of getting cash when you need it most. Payday loans are short-term loans and normally an advance that one can get off his/her next paycheck.

Generally, the lenders of payday loans expect to see documents for verification especially on the borrowers' banking information for processing the loans. Hence, the loan applicants are expected to fax copies of the required documents. Lenders of faxless payday loans, however, do not require the borrowers to fax any documents whatsoever. Faxless payday loan providers usually verify the information by telecalling or through electronic verification.

So the next time you are in very urgent need of cash, the best choice can be faxless payday loans that are also known as no fax payday loans. These loans are easy to apply and get approved faster than normal payday loans. The loan application process for a faxless payday loan is a simple and quick procedure. All one has to do is to fill out a simple online form or even apply over the phone.

Once the loan application is verified, the loan is approved and the funds are deposited in the borrower's checking account. While the industrial standard for depositing the loan amount is one working day, most lenders of faxless payday loans process the application in express fashion and get the money deposited in less than an hour's time in some cases.

There are a few simple requirements that a loan applicant has to qualify for in order to avail a payday loan. Some of the basic qualifications required are that the loan applicant be employed with a regular income and have an active checking account. Faxless payday loans are given with your paycheck as collateral and many lenders do not consider your credit history.

Typically, Faxless payday loans range from $100 to $2000, based on the loan applicant's salary. The applicant is charged a small fee ranging from $10 to $30 for every $100 borrowed. Many payday lenders offer faxless payday loans at competitive interest rates some of them offering it for as low as $6 per $100.

The payday loan period can range from 4 to 18 days and reaches maturity on the borrower's next payday. Borrowers who want to extend the loan for a further period of time can do so by paying the interest due at the time of the due date to put off the loan until the next payday. The fees for a faxless payday loan are based on the duration of the loan and the amount of money borrowed.

Faxless payday loans are an ideal option for people who are in a great hurry for quick cash and do not have the time to fax in any documents. Whether it is to pay late penalties on your bills, or for any other emergency, you can make use of these paperless payday loans to your satisfaction.

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Be A Responsible College Credit Cardholder

(category: Wealth-Building, Word count: 554)
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According to the study of US General Accounting Office 2001, the credit card for college students are very advantageous especially on medical emergencies, traveling and on cashless transactions. Another study showed that 77% of college credit cardholders use the card for personal expenses while 67% for occasional and emergency expenses.

With these results, is it alarming that college students are allowed to apply for credit cards even without employment yet? Well, we should not overlook the responsibility of these students to handle their finances. Even if they don't earn the amount that they are spending, surely they care about the labors behind these.

And for the college students who wish to have or who are already using the credit cards, here are some tips to a smart way of handling your credit:

First, you should understand that every amount that you add into your balance should be paid on or before the due date to avoid penalties. So learn to take charge of your account so that you would not reach to the point when you are already thirty years old and yet still paying for your accounts when you were seventeen. Sounds exaggerated? Well, it could really happen. Don't let this misfortune ruin your goals.

Study the terms and conditions governing the credit card that you are currently using or the one that you plan to apply. You should know that your purchases via the credit cards are not free! There are in fact additional charges that you pay other than the principal amount that you have spent for your shopping. Some of the fees are finance charges, annual percentage fees, cash advance fees and late payment fees. The finance charges are given to the unpaid account each month. The annual percentage fee is the yearly charge of the credit card provider for membership, so better look for a low rate APR when applying for a credit card. And the late payment fee is of course the charge when you don't reach the due date of payment.

When you receive your allowance for credit card payments from your parents, make sure you settle your accounts promptly. Delaying of payment or not completing your monthly bill can cause your bill to hike. And if this happens, gradually you'll find it hard to meet your chain of debts. Unfortunately, the problem doesn't end up here because the credit report will reflect to your credit history. Surely, you don't want a bad credit name when you apply for a job after graduation. Ideally, employers check on credit history before hiring and before promoting employers to a higher position. You certainly have to establish your credibility and better start it with your good credit name.

Manage your credits. When you shop, don't shop like it would be the last shopping that you will do. Set your priorities and know what you basically need. And since credit cards for college students primarily aim to support and cushion you in times of emergency, don't overuse the card for unnecessary luxuries.

And lastly, prove that you are worth the trust. When you were allowed to apply a credit card, the credit card company assumed that you could carry out the responsibility. So be credit wise. Consider the effect of this in your long run.

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Credit Cards For Travelers What Are Your Options

(category: Wealth-Building, Word count: 563)
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If you travel a lot, then you probably already know the value (and necessity) of having a good credit card with you. The truth is, though, that some types of credit cards are more valuable than others when it comes to traveling and the benefits you can receive. Here are some things that you should know about when you are looking for that just right credit card for traveling.

What Kind Of Travel?

Getting the best credit card for a traveler depends on what kind of travel you do. There are two different kinds of cards that you need to choose from, and that is determined by how you travel - by air or by car. Both cards can come with similar options, once this is decided. Most of them will give you rebates, discounts, or free hotel stays, cash back on restaurants, car rentals, and other purchases.

Air Miles Cards

If you choose an air miles credit card, then once again you have two main options. Do you want to go with an airline card, or a bank card? A credit card put out by an airline company is usually made just for that airline. In other words, you get the best discounts and air miles when you travel on that airline. This could be a great deal if that airline is available at your nearest airport, and at your usual destination city. But, if that is not the case, then you will probably want to get an air miles bank card, which will give you about the same points on any airline, and will give you a wider variety of benefits to choose from. Some of these cards will allow you to use your points toward cruises, too.

Credit Cards For Drivers

These credit cards have a number of great benefits, too. Most will give you real good points for gasoline and car repairs and maintenance. Some of these credit cards for drivers have a variety of different benefits that you will need to think about before you get one. For instance, a couple of these credit cards will allow you to save your points and use them toward the purchase of either a new or used car. Other cards simply give you cash back for your points, and some allow you to use them toward car repairs.

Other Features

Nearly all credit cards come with other options, too - but these are not all equal in value to you. If you have any other outstanding credit card debt, then you will want to make sure you get a good deal on balance transfers. Many credit cards will allow you to make balance transfers without any fees, and 0% interest for the life of the transfer. Also, be sure to find out what fees apply to the credit card, and what interest rate you have when the introductory offer runs out.

Credit cards usually have a lot of small print - and you don't want to avoid reading it just because it is small. Actually, it will only effect how much you pay each month and how much your actual benefits are reduced each month. By doing some careful comparison shopping, you should be able to find the right credit card that will allow you to have some significant savings as you travel.

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It Takes Credit To Build Credit

(category: Wealth-Building, Word count: 567)
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Using a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail. When you're trying to build a positive credit history for yourself, using the right credit card makes sense. Making small purchases and then making your payments on time each month is a simple, reliable way to build an outstanding credit report.

What to Look For On a Credit Card Application

If you receive a credit card application that appears to offer a low monthly interest rate, don't make a decision until you turn it over and closely examine the Disclosure Box. In it you'll find a more important measure of credit terms - the Annual Percentage Rate, or APR. By federal law, the Disclosure Box will also tell you whether or not the card has what is called a grace period - a number of days, usually 25, until your purchase starts to accrue finance charges. If a card has a reasonable grace period and you pay off your balance at the end of each billing cycle, you won't have to pay finance charges. It isn't difficult to find credit cards that offer these grace periods, so if the Disclosure Box doesn't declare one then throw the application in the trash and look for a better offer.

If you don't have any credit history at all, a credit card company won't want to give you a very high credit limit, but that's probably best when you're just starting out. You don't want to be tempted to go into serious debt with your very first credit card.

Calculate Your Monthly Finance Charges

Ideally you want to pay off your balance each month to avoid paying any finance charges, but when that isn't possible it's important to know the actual cost of the items you purchase. The annual percentage rate, divided by 12 months, gives you the periodic rate that will be applied to your outstanding balance each month. You can estimate what your monthly finance charge will be by multiplying the periodic rate times the outstanding balance. It may sound complicated at first, but taking the time to learn this simple equation can make a big difference in how you use your credit card.

When you're able to see how much you actually spend on an item that you don't pay off at the end of the month, it might help you to resist the temptation to over-use your card. An item that you want to buy might be on sale at the time you purchase it, but if you don't pay off your balance at the end of the month then those finance charges can dramatically increase the actual amount you'll end up paying.

Use Your Credit Card as a Tool

Credit cards are only one of the tools available to help you build a positive credit history. Making on-time payments for other forms of credit, such as rent and utilities, are also important. Depending on your situation, within 1-2 years your credit rating will be improved enough that you no longer need to use your card for new purchases to maintain your good credit. Use these tools wisely, and they'll help build your financial future!

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Investment Can You Do Without It

(category: Wealth-Building, Word count: 442)
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It is hard to imagine if anyone is living without money and it is equally hard to imagine if humans are living without investing in someway or the other. In plain language, investment means the act of investing or laying out money or capital in an enterprise with the expectation of profit. But at the same time the term investment also means money that is invested with an expectation of profit.

Investment is closely related with earning money and employing it to earn more by its virtue of its inherent multiplication factor. It is this character of money (read investment) which drives people invest in various asset types in which they are comfortable with. As a general rule, it is not quite natural for the novice investors to pursue high return investment categories as they perceive the high element of associated risk is beyond their control.

The Big Question: Could You Do Without Investment?

The answer is rather simple as everyone from top down has wanted to invest in one asset or the other. The more conventional the asset type is more the investors and thus investment. Let me detail this out for you.

Traditional investments like investment on gold and land have never let down the investors although rate at which they appreciated was below par till recently. But come to think of it; the simplicity of prediction matrix and non volatile nature of their class made them the darlings of one and all.

Current Investment Scenario

The current investment arena is extremely wide and intricately interdependent. The simplest investment by far, the savings account, contributes to the pool which bank draws from, for advancing loans to a variety investors. Thus the return on your investment (savings) is connected to the return the bank expects. Floating rate of interest is one of the manifestations of this interdependence.

Investment Options for You

It is impractical to attempt to list out all investment types. However the following are the representative types which apply to all economies.

1. Investment on stocks and securities

2. Investment in money market instruments

3. Investment in mutual funds

4. Investment in ventures

5. Investment in insurance

Speculative Investment

It is difficult to foretell how and why people make investment decisions. Also it is not true that investors play safe every time. Speculating a higher than usual and short term profit is none too unusual tendency with some. Such an investment type is classified as speculative investment. Although it beats logic, it goes by gut feeling of investors. Many stock investment and real estate speculators have made big time money taking tremendous risk.

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Helpful Tips To Apply For A Visa Credit Card Online

(category: Wealth-Building, Word count: 587)
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The credit card is a handy tool for many people today. This is a useful instrument to handle and manage purchases properly. This is very helpful to people who do not have enough cash at hand in the meantime. Thus, many people are really eager to grab hold of their own credit card as it is very important in doing their tasks for everyday. Getting the Visa Credit Card is the one option that most people find very reliable

Visa Credit Card

The Visa Credit Card is one of the most famous brands for credit card. It is most relied upon by people to make payments and purchases. At present, at least 500 million people are making use of the Visa credit cards. This is because Visa credit cards can offer so much to the consuming public.

The company gives good options for different consumers and even to business owners. Visa is able to offer good benefits to the various card holders. One will also feel secure when transacting with the Visa credit card because they already developed a system to safeguard the information of their clients. You will be kept safe from identity theft with this option. Furthermore, you can also be sure that you can use your Visa credit card in many establishments. You can make use of it almost anywhere in the world. Given these wonderful points, it is not surprising that they remain a strong company and always make it on the top of the list of most people.

Apply for a Visa Credit Card Online

Given the good points that the Visa Credit Card offers, it is only prudent to apply for one. You might feel apprehensive that your application may not get approved right away. There are banks out there that will be able to issue the Visa credit card to their interested clients. However, considering the popularity of the Visa credit card, the company will be more stringent in their requirements. They need to make sure that they can rely on the person availing of their services and that payments will be made on time.

If you are decided to get your own Visa credit card, it is best to do this online. Applying for a Visa credit card online is a very convenient method of getting that precious credit card. The method will be more facilitated. You can also avoid the hassles and frustrations often involve when you do the application in real time. In almost every step of the process, you will have to wait on long queues. What more will you feel if the application eventually gets rejected?

There are a good number of Visa credit issuers that you can find online. They can make the application process available in the internet. All it takes is for you to find the web site of the reputable issuer. Review the requirements. Choose the type of the Visa credit card that suits your needs and you can start the application.

Just make sure that you have a good credit history. This is very important to the Visa company. You have to make sure that your credit standing is in good state. You should also safeguard your computer when you are doing the application process online. Make sure you have the right anti-virus and anti-spy software.

Apply for a Visa credit card online. Enjoy the security and perks of using this credit card for your shopping needs.

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Taking Over Payments On A Foreclosure

(category: Wealth-Building, Word count: 483)
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Is it possible for someone to take over your payments and you avoid foreclosure? There are several problems that arise which make it difficult, unless the person taking over the payments is a family member who doesn't mind doing the favor of making your payments. The mortgage contract was made between you and the lender and there isn't a way for you to simply let someone take over payments and get you off the hook. However, before foreclosure if someone buys the home from you, there might be a way for the mortgage company to pay off your portion and create a new mortgage with the new party.

Foreclosure is worse then bankruptcy because you are actually losing something of value, your home. It usually takes 110-120 days or more for the foreclosure process to be completed. Most loan documents (Deed of Trust) have a power of sale clause authorizing the lender to conduct a foreclosure auction to sell the defaulted borrower's property. If there is no cure of the default, a Notice of Foreclosure Sale (NFS) is recorded. You figure and report gain or loss from a foreclosure or repossession in the same way as gain or loss from a sale or exchange.

Property in foreclosure is often referred to as distressed property because the owner is in financial distress and has usually missed several mortgage payments. Distressed assets (such as foreclosed property or equipment) are considered by some to be worthwhile investments because the bank or mortgage company is not motivated to sell the property for more than is pledged against it. These properties are usually priced below market and you get to inspect the property and can usually finance the property through the bank that did the foreclosure.

Mortgage lenders typically lose money when they foreclose, since most foreclosed homes are worth less than the value of the mortgage. The mortgage holder can usually initiate foreclosure anytime after a default on the mortgage. Under strict foreclosure, when a mortgagor defaults, a court orders the mortgagor to pay the mortgage within a certain period of time. Virtually all mortgages today have acceleration clauses.

Bidding at a foreclosure sale can be VERY tricky. Obviously, no lender will be interested in doing a Short Sale as long as the borrower is just one or two installments behind on payments. Last, but certainly not least, is the fact that you must pay all cash at most foreclosure sales. If you have not left the property after the law date or sale of the property, the court will allow the bank to have a marshal move you out.

Foreclosure is worse because of the loss of value. Foreclosure is NOT a single event, but a legal process that takes time. When the foreclosure is completed, the derogatory record can stay in your credit reports for up to 10 years.

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Exploit The Benefits Of The Private Student Loan

(category: Wealth-Building, Word count: 414)
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There is a distinction between private student loans and federal student loans in the sense that federal loans are guaranteed by the Federal Government. They present numerous striking stipulations like very affordable interest rates, postponed repayment, subsidized interest payment including extended repayment stipulations.

However, private student loans can be obtained from banks, credit unions including other financial institutions, and are based not on fiscal need, but on credit history including ability to pay off of the borrower.

The private student loan may well work as an additional source to federal loan programs and may well be meant for lots of diverse educational purposes for example education, books, living expenses including computers. Interest rates as well as payment stipulations will vary from lender to lender as well as being based on the credit rating of the borrower.

Now and then, it is additionally possible for a co-signer to be given a private loan, though it is not necessary, mainly if the student has a satisfactory creditworthiness, is employed full time and is a citizen of the USA or permanent resident. In case the student fails to comply with minimum eligibility requirements they may well request a private student loan with a co-signer who does meet those requirements.

The interest rate percentages for a private student loan can differ in keeping with the special goal of the loan, and for private loans for undergraduates; the percentage of interest would be 4.65 percent above LIBOR.

With college expenditure steadily escalating and the number of people ahead of you for federal loans similarly rising, it is not surprising that private Student loans are fast becoming the most rapid increasing source of funds for U.S. college education.

Many families find in the private student loan, a suitable including simple means of getting the capital necessary to cover off college education costs. Submitting and application for a private student loan is very efficient and the entire process can be completed in as little as 15 minutes.

Alternative or private student loans generally obtain their funding from private financial institutions and are not subject to Federal instructions.

The cash obtained in this manner can be used to pay for education expenses as well as many other costs related to education.

Private student loans can often be used to complement the federal student loans, especially when federal student loan funds fail in meeting the final cost of education.

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