Joseph Hanoa's Articles in Finance

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  • The Long and Winding Road to Getting a Government Grant
    There are many programs set up for government grants through a multitude of different government agencies.
  • Government Grants – A Great Deal, If You Can Get Them
    Under the right conditions, a government grant can be extremely helpful to those in difficult circumstances. For the most part, however, a government grant is a fairly difficult thing to qualify for and get.
  • Using Grants.gov to Find and Apply for the Government Grants You Want and Need
    A number of grants, for a variety of organizations, are offered by the federal government. Currently, the federal government coordinates 1000 different grant programs.
  • Business Incorporation Explained
    Business incorporation is a form of legal arrangement open to any business. There are advantages and disadvantages to the corporate form of business which is why you need to consult with your lawyer and accountant to determine if incorporation is the form that you require.
  • Save Big Bucks On A Used Car
    Buying a used car can be like a crap shoot, a real hit or miss proposition. I don’t know about you, but the thought of plunking down five thousand dollars for a car and hoping that it will give you several years of driving satisfaction is downright frightening. Why go into the used car market unequipped? The following tips can ease your concerns and help you walk away from the deal a real winner.
  • Rising Interest Rates Can Work to Your Advantage
    The news is filled with stories about people having difficulty making payments on their mortgages in the face of steady increases in interest rates. What was once a fabulous deal for them has quickly turned into an albatross, something that could threaten their financial viability.
  • Practical Ways to Save at the Pump
    You can’t do much about gas prices, but you can still save at the pump. Not a bundle of money, but perhaps two or three dollars per fill up. While this may not sound like a lot of money it does add up to as much as $200 per year or more, depending on your driving habits. Who doesn’t want to save at the pump? You know that you do.
  • Plan Your Christmas Shopping Budget Now
    If you expect to be doing some serious Christmas shopping this season, now is the time to plan just how much you will spend and where you will spend your money. Indeed, the average American family spends more than $700 each year on holiday gifts, much more than that according to some observers.
  • Making More Money on Your Money
    Low interest rates at the bank have you annoyed? Well, they should. Receiving less than 3 percent interest on your money is not only unnecessary but it is also keeping you from staying ahead of inflation. Your local bank isn’t the only option for building wealth nor should you have to settle for below market interest rates. Read on and we’ll examine some high yielding, low risk investment strategies for you.
  • Make Extra Money Without Working Another Job
    You don’t need to take on a second job in order to make some extra cash. In fact, you don’t have to even leave the house in some cases. Who couldn’t use a little extra money to pay for things that you really need? Read on and we’ll explore some nifty money earning methods that can help you gain better control over your time and your budget.
  • Low Interest Credit Cards: Still Available?
    Back during the early part of this decade when interest rates were at historically low figures, a whole rash of low and zero percent credit cards were offered by major banks and financial institutions. Indeed, if you wanted to get out from underneath your debt all you had to do was apply for one of these cards, transfer balances from the old card to the new one, and you would save hundreds if not thousands of dollars on interest rate costs.
  • Juicy Rewards Cards Paying Big Returns!
    The highly competitive credit card industry shows no sign of letting up. With what, you say? With offering deals that are meant to entice you, to get you to sign up for a myriad number of cards offering a myriad number of choices. This is good news for consumers looking for a deal that cannot be beat. How about you? Have you found a rewards card that works great for you? If not, read on and we’ll explore rewards credit cards worthy of your consideration.
  • It Is All In The Offer
    Credit card offers can fill up your mailbox within days if you don’t check your mail on a daily basis. Pull more than half of your mail to the side and it is likely peppered with offers from leading credit card providers extolling the virtues of their product. Most offers will include points such as these:
  • How to Save Money on Carpet Cleaning
    Is it time to clean your carpets again? It just seemed like last season that the carpet guy was in your home! In reality, if you are like most consumers, a once or twice yearly cleaning of your carpets is all that is necessary. If you have a lot of carpets, particularly carpets with a thick pile or oriental rugs, then you know that your cleaning costs can skyrocket accordingly. You don’t have to pay full price for carpet cleaning services; keep reading and I’ll tell you how you can save.
  • How to Save Money on Auto Supplies and Parts
    One of the most expensive purchases you will make in your lifetime after your home is the purchase of a new vehicle. Indeed, over your lifetime you may end up paying more for several vehicles then what you paid for one home. Once your car is paid off you will soon start to encounter a growing number of repairs that must be done in order to adequately maintain your car.
  • How to Manage Your Grocery Bill
    It can be painfully clear: your grocery bill eats up a significant part of your monthly budget. Some families report that as much as 30, even 40 percent of their budget is spent on food items that they must have and simply cannot do without. Is your grocery bill unmanageable? If so, read on and we’ll take a look at ways you can trim the cost without trimming the food.
  • Hotel Rewards Cards For Free Stays
    It is a fact: major hotel chains want your business. Moreover, if you use them frequently they want to reward you with free stays during future visits. Most hotel chains offer a points system giving you the opportunity to snag a free night or two down the road. However, you need a little extra help in order to achieve this feat and that is where a hotel rewards card can really help you out. Read on and we’ll explore the advantages of using a hotel rewards card to get the points that you need.
  • Getting the Best Condo For the Buck
    Over the past generation, condominium living has been catching on. As seniors traded in family homes for condos and as today’s baby boomers downsize to free up important time, condos are growing in popularity and prices continue to strengthen in many markets. Not all condos are the same even in similar markets so finding the best condo for your money is essential. Read on and we shall explore what makes the ideal condo for savvy buyers.
  • Be Confident That You’ve Put Your Proposals for Government Grants in Capable Hands
    Government grants aren’t always easy to obtain. There are many qualified and worthy individuals and organizations competing for them. That’s why a well-written and persuasive application can make all the difference. Drafting a grant proposal, however, is no short order. Many organizations turn to professional grant writers when applying for government grants.
  • Putting It on Paper: Successfully Applying for Government Grants
    The first step for obtaining one of the many government grants available through federal and state governments is writing a good grant proposal. There are professional grant writers you can hire, but if you’re on a limited budget, or are an experienced writer yourself, it’s entirely possible to write a winning grant on your own.
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