Blackstocks.com: In the Know

Fund raising Just Got A little Easier

Ever wonder how you can do something worth while - instead of cripping and complaining about something.

What about doing something for the istuation in Defur; or helping needy people in your neiegborhood or at churh. As long as the intent is there and a purpose why not use the internet and your email contacts to do something good.

Have a "Fund Raiser" to raise money for a cause that mean something to you - it's easy, painless, and free.

Check out, Current Fundraiser. Whether your fundraiser is for a large or a small group, you’ve come to the right place. Current Fundraiser has put together three amazingly easy programs to help you meet all of your needs. Discover how simple it is to sell our reasonably priced, practical products — all while earning up to 50% profit.

Current has been in the fundraising business since 1950, when founder Miriam Loo had the idea of offering a line of paper products to nonprofit groups to use in fundraising activities. Current knows that you are busy with day-to-day life and that taking on the challenges of a fundraiser can feel overwhelming. Our unique product selection, online ordering, and full-color catalog brochures are sure to appeal to your customer. Free shipping, free billing, presorted orders, and up to 50% profit are sure to appeal to you.

So let Current put the FUN back into your fundraiser because we’ve got everything you’ll need to make your sale a success.

Click here for more information.

Need a Place to Stash Your Cash.....If You Have Any left

Need a Place to Stash Your Cash, if you have any left that is -after the holidays.

Check out these two savings account programs. They appear to be the hottest on the Internet and return over 5% - which isn't too bad for a savings account.

HSBC Direct

Emigrant Direct

No fees, and no minimums makes things even better and you can link directly to your checking account that you have now.

Technorati tags: Alton Perkins, www.blacstocks.com, Savings, cash investments, invest, African American

How To Save Thousands on Your Next Mortgage or Refinance

Save Thousands on Your Next Mortgage

One Point Could Save (or Cost) You Thousands on Your Next Mortgage or Refinance

When you apply for a home loan or refinance, one of the first things that typically occurs is your mortgage professional runs your credit report and FICO scores. It's important to understand that you have three separate FICO scores (one for each repository - Experian, Trans Union and Equifax.) Your three FICO scores are almost always different, it's very common to have a 20+ point difference between your scores.  These scores largely determine your loan eligibility, lending parameters such as LTV (loan to value ratio which limits how much money you can borrow) and costs including interest rate and fees.

Most lenders use your middle FICO score when determining your loan eligibility and costs. Even the smallest difference in your credit scores can have a dramatic impact on the cost of your home loan. If your existing middle FICO score is as little as one point below the minimum requirement, you can be forced into a lower loan program involving higher fees and interest rates.

*Examples of common lending programs and minimum required FICO scores include,

• 550   and below - Hard Money Loans, Highest Costs and Rates - 15%+

• 580 - Sub-Prime - Hard to Qualify, Much Higher Rate /Costs - 10%

• 600 - Sub-Prime Loan, Higher Rate/Costs - 9%

• 620 - Conforming Minimum, -  7%

• 640 - Better Rates/Terms - 6.5%

• 680 - Better Rate/Terms - Higher LTV - 6.25%

• 700 - Better Rate/Terms - Higher LTV - 6.00%

• 720+ Preferred Rates/Terms, Highest LTV - 5.75%

Here's an example - Let's assume your current scores are, Experian - 638, Trans Union - 619, Equifax - 615

The Color of Money

The Color of Money

“People may say ‘Some things are impossible,
Some folks never try,
Some folks see an obstacle,
And never get by..”

The Temptations

Let me cut right through the chase.

I am giving it to you from a person who ought to know, Bob Johnson, founder of Black Entertainment Television, and recognized by Forbes Magazine, as the first African American billionaire.

When asked, “What are the top five ways for black folks to grow wealth?”

He Stated “The same as white folks.”
1) Save money
2) Invest money
3) Postpone instant gratification
4) Accumulate assets; and
5) Don’t be afraid to take risk.

There you have it, up front, and without fan fare. Implement these five points and you can grow wealth too.

Why?

Why The Ten Principles of Wealth For Black People and Other Folks Too? Buy Now- Down Load

By 65 Many Will Be Dead Broke

Here’s why.