http://www.isnare.com/?s=author&a=Jay+Moncliff Finances Jay Moncliff Sat, 04 Feb 2006 00:00:00 +0800 http://www.isnare.com/?aid=32351&ca=Finances Taking advantage of existing equity in your home through an equity loan might seem an intelligent choice, especially in times of low interest rates. However, before you take a home equity loan to pay for children's education, buy a car or just pay off credit cards, you should educate yourself about... Sports Jay Moncliff Fri, 30 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=25578&ca=Sports Golf club selection can be difficult for seasoned players, and even more so for beginners. There are so many variables in this difficult choice different club types, designs, and features, not to mention your own skills, swing and needs. To help you make a choice, or at least narrow the field, the f... Finances Jay Moncliff Tue, 27 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=25529&ca=Finances Competent financial advisors don’t have a particular look about them, even if they claim to have proof of their ability. To protect yourself, it is important to ask the kind of questions that will indicate whether the potential advisor has the requisite level of skill to handle your financial affair... Finances Jay Moncliff Tue, 27 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=25539&ca=Finances We are all guilty of putting off making time to plan our financial future. It’s hard, that’s why, particularly finding the discipline to do it in today’s consumer culture. However, you can’t underestimate the importance of financial planning. Everyone retires eventually, and there’s also retrenchmen... Finances Jay Moncliff Fri, 23 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=25374&ca=Finances With the levels of debt in America today many Americans should take a compulsory course in credit and debt management. Unfortunately, this ignorance in relation to positive credit management means many Americans are doing untold damage to their credit record. This common problem occurs through peopl... Travel Jay Moncliff Thu, 22 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=24657&ca=Travel Easy internet access to discounted and affordable hotel rates has sounded the death knell for the standard tariff, or rack rate posted at hotel reception desks. Whilst some still prefer traditional telephone reservations and the corresponding rates, many more are saving themselves money by booking t... Finances Jay Moncliff Thu, 22 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=24506&ca=Finances Rather than luck, getting the best rate on your auto loan is a skill that can be learnt, where knowing how to negotiate is the crucial component to getting the best deal for yourself. The best way to dispel nerves while negotiating is by remembering that you are trying to save yourself money, and wi... Sports Jay Moncliff Wed, 21 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=24638&ca=Sports Over the last ten years there has been an incredible increase in people participating in baseball fantasy leagues, and fantasy sports in general. There is really only one rule for those involved, and that is they must have a real and ongoing interest and appreciation of the game of baseball. Startin... Pets Jay Moncliff Tue, 20 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=24645&ca=Pets Cat Food Fact #1 Cats must get their Protein Protein is crucial for your cat’s health, and generally comes from fish, meat or poultry. Advertisers will often say their brand is beef, turkey or mackerel flavoured, but it may not actually contain those products, meaning it may not be rich in protein.... Finances Jay Moncliff Tue, 20 Dec 2005 00:00:00 +0800 http://www.isnare.com/?aid=24519&ca=Finances Historically banks were institutions that held your money under lock and key. Times are changing, with the internet redefining the banking sector over the last five years. Don’t be confused as it continues to develop, the many names it goes by all mean the same thing electronic, online and PC bankin...