Articles written by Marco Angioni II - Page 2

What is Helium

About me - Marco Angioni II

In case you are wondering, I am the guy on the left and the beautiful woman next to me is my fiance and soon to be wife (June 6, 2009)!

I am opinionated, ambitious, and idealistic. I believe that every person has the ability to change his/her circumstances

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Business > Entrepreneurial Spirit Who are entrepreneurs?: 1 of 9
One definition of an entrepreneur is "a person who organizes and manages any enterprise, especially a business, usually with considerable initiative and risk." Another definition of an entrepreneur is "someone who organizes a business venture and assumes the risk for it." These two definitions are very similar. However, the f... More..
Personal Finance > Managing Credit What credit scores mean to you: 2 of 17
There are many frequently asked questions by people who are not entirely clear as to the significance of a credit score. These people understand that a high credit score is good because it will help them get loan approvals and lower interest rates, but these same people do not know how high their credit score needs to be in o... More..
Personal Finance > Mortgages & Home Loans What affects your mortgage rates: 1 of 8
There are many things that affect your mortgage rates. Your creditworthiness is probably the biggest factor that affects your mortgage rates. If you are a high risk borrower, the bank or lending institution from which you are obtaining a mortgage will take this into account. In order to offset the risk of you defaulting on th... More..
Personal Finance > Credit Cards Credit card safety: If my bank calls, can I just give them the number?: 3 of 22
A very common technique utilized by an identity thief is to call you pretending to be an employee of your bank. These con artists usually make up a story about the bank losing your information and that he/she needs you to verify your bank account by telling him/her your account number, full name, social security number, and o... More..
Personal Finance > Credit Cards Should the rules on applying for credit cards be tighter?: 2 of 14
This is a question of much debate among people of all kinds of financial and educational levels. The proponents of such a measure believe that "tightening" the requirements to apply for and obtain a credit card will help protect people against irresponsible credit card use. These people think that credit is evil and that only... More..
Business > Web Marketing Tips: Using links to drive traffic to your web site.: 1 of 7
A link is an object, as text or graphics, connected through hypertext to a document, another object, etc. As suggested by the definition, the link can be in the form of hypertext (hypertext is a computer-based text retrieval system that enables a user to access particular locations in webpages or other electronic documents by... More..
Personal Finance > Managing Debt How to consolidate your debts: 1 of 7
A consolidation loans is a loan, generally taken out by college students upon graduation, which is used to pay off various student loans that you have accumulated during your years as a college student. However, a consolidation loan is not restricted only to student loans. In other words, you can take out a consolidation loan... More..
Business > Finance & Insurance Funding a new business: Using personal savings: 1 of 7
Arguably, the most difficult part of starting your own business or starting a new business is obtaining the funding necessary to do so. Funding can come from many different sources such as, banks, investors, and your own personal savings. When utilizing banks or investors to raise capital, you will have to disclose financial ... More..
Personal Finance > Credit Cards Do 0% APR credit cards really save you money?: 1 of 7
A zero percent interest rate on a credit card can save you money if you do not fall into common traps set up by this enticingly low interest rate. First things first, think about this interest rate issue logically. If a credit card company does not charge interest, how does it make money? In lieu of interest, the credit card ... More..
Personal Finance > Credit Cards Are credit cards really attractive: 1 of 7
One of the biggest financial problems is people using credit irresponsibly. Many people think of credit as a second bank account. Basically, they spend until the card is "maxed out." These people do not realize what they did until the credit card bills start coming in. The minimum payments do not seem like much, but after six... More..