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<title>Billy Akerman - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Billy_Akerman</link>
<pubDate>Wed, 15 Feb 2012 08:33:41 -0600</pubDate>
<image><title>Billy Akerman - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Billy_Akerman</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Born and raised in Brooklyn N.Y. I presently live in Florida with my wife and two daughters. We are home-schoolers and free spirited. I manage a few investment accounts. My wife and I maintain several blogs and forums. We live by our rules and enjoy every minute of it.]]></description>
<lastBuildDate>Tue, 06 Oct 2009 09:52:15 -0500</lastBuildDate>
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<title>Retirement Gifts - How to Choose the Perfect One</title>
<link>http://EzineArticles.com/2998975</link>
<guid>http://EzineArticles.com/2998975</guid>
<pubDate>Tue, 06 Oct 2009 09:52:15 -0500</pubDate>
<description><![CDATA[Are you trying to find the right retirement gift for a close friend or relative? Maybe you want to find the perfect gift for someone you have worked closely with for numerous years. Making a purchase for someone and finding something that they will like can be very challenging if you are aiming to impress that person.]]></description>
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<item>
<title>Using a Personal Life Coach</title>
<link>http://EzineArticles.com/2980151</link>
<guid>http://EzineArticles.com/2980151</guid>
<pubDate>Fri, 02 Oct 2009 10:16:39 -0500</pubDate>
<description><![CDATA[Have you been feeling stressed out and extremely troubled lately with a lot of issues that you are dealing in your life at the moment? Are you in the point of not knowing how to resolve things and day after day you are becoming more desperate as it seems? Then you should probably consider the idea of getting a personal life coach.]]></description>
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<item>
<title>Now Just Might Be the Time to Go on Vacation</title>
<link>http://EzineArticles.com/2695598</link>
<guid>http://EzineArticles.com/2695598</guid>
<pubDate>Mon, 10 Aug 2009 22:21:55 -0500</pubDate>
<description><![CDATA[Only four more weeks left before the summer comes to an end. Were you able to get away with your family and go on vacation? If you haven't yet, that might have been a smart move because the prices of various vacations packages have dropped during the last month or so.]]></description>
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<item>
<title>Being Positive Will Help Improve Your Life</title>
<link>http://EzineArticles.com/2695577</link>
<guid>http://EzineArticles.com/2695577</guid>
<pubDate>Mon, 10 Aug 2009 15:59:52 -0500</pubDate>
<description><![CDATA[Throughout our lives we're told that we should work on improving our lives. Get a good education, exercise and eat right. But is that all there really is to it? I'd say it's a great start at the very least.]]></description>
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<item>
<title>Inexpensive Vacations</title>
<link>http://EzineArticles.com/2681590</link>
<guid>http://EzineArticles.com/2681590</guid>
<pubDate>Fri, 07 Aug 2009 07:50:39 -0500</pubDate>
<description><![CDATA[Family vacations are something to cherish, memories that last a lifetime. My wife and I wanted to take our kids somewhere that they would remember for the rest of their lives. What place is more enchanting then going to Disneyland/Disney World? We decided to take our kids to Disneyland in California. ]]></description>
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<item>
<title>A Romantic Newport Beach Vacation</title>
<link>http://EzineArticles.com/2659261</link>
<guid>http://EzineArticles.com/2659261</guid>
<pubDate>Mon, 03 Aug 2009 14:14:32 -0500</pubDate>
<description><![CDATA[How important is it for you to find a romantic getaway for you and your significant other? I'm sure if you're like most people, it's very important. Don't know where to go on your next vacation?]]></description>
</item>
<item>
<title>Staying in Good Financial Shape</title>
<link>http://EzineArticles.com/2653480</link>
<guid>http://EzineArticles.com/2653480</guid>
<pubDate>Mon, 03 Aug 2009 08:39:09 -0500</pubDate>
<description><![CDATA[We all try to keep ourselves in good financial shape. But what do you do when your credit cards bills become too much for you to pay each of them every month? There are many different things that go on with the person. One may keep on paying the minimum amount due, just to avoid late payments.]]></description>
</item>
<item>
<title>Importance of a Good Credit Score</title>
<link>http://EzineArticles.com/2653455</link>
<guid>http://EzineArticles.com/2653455</guid>
<pubDate>Mon, 03 Aug 2009 08:36:30 -0500</pubDate>
<description><![CDATA[Over the years of our lives, many of us go through rough spots that make it difficult to keep our credit score in good standing with the three reporting agencies; Trans-Union, Equifax and Experian. Even if you have good credit you should still follow your FICO score.]]></description>
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<item>
<title>Credit Card Refinancing Mistakes</title>
<link>http://EzineArticles.com/2605235</link>
<guid>http://EzineArticles.com/2605235</guid>
<pubDate>Thu, 23 Jul 2009 13:22:26 -0500</pubDate>
<description><![CDATA[With the recent downswing in our economy, many people are losing their jobs and finding it hard to pay their bills. Many times people are not prepared with an eight to twelve month emergency fund to get them through the tough times.]]></description>
</item>
<item>
<title>Pay Off Your Credit Cards in Full Every Month</title>
<link>http://EzineArticles.com/2605324</link>
<guid>http://EzineArticles.com/2605324</guid>
<pubDate>Thu, 23 Jul 2009 11:47:38 -0500</pubDate>
<description><![CDATA[The idea behind getting a credit card is to help establish a credit history as well as a credit score. Unfortunately too many people use it without really thinking about how much they are spending]]></description>
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<item>
<title>Ideal Time For Vacation Bargains</title>
<link>http://EzineArticles.com/2605372</link>
<guid>http://EzineArticles.com/2605372</guid>
<pubDate>Thu, 23 Jul 2009 11:44:20 -0500</pubDate>
<description><![CDATA[In times of a bad economy, many different business' will lower their rate and or prices to make sales to generate revenue. One of the best places to save money is going on a family vacation.]]></description>
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<item>
<title>Newport Beach - An Ideal Vacation</title>
<link>http://EzineArticles.com/2605359</link>
<guid>http://EzineArticles.com/2605359</guid>
<pubDate>Thu, 23 Jul 2009 11:42:23 -0500</pubDate>
<description><![CDATA[I don't know about you, but when I was younger, I was never into making a day out of going to the beach. I grew up in Brooklyn N.Y. where the beaches weren't the greatest, but it was all we had since many of us didn't have a pool in our back yard or a community center to go to.]]></description>
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<item>
<title>Laptops on Sale - Bait and Switch</title>
<link>http://EzineArticles.com/1762836</link>
<guid>http://EzineArticles.com/1762836</guid>
<pubDate>Thu, 11 Dec 2008 11:50:20 -0600</pubDate>
<description><![CDATA[During the holiday season, there are many places that will list laptops for an unbelievable price. Some of these places are not being honest with you. They're taking part in the old practice of bait-and-switch.]]></description>
</item>
<item>
<title>The Best College Laptops Aren't Free</title>
<link>http://EzineArticles.com/1759151</link>
<guid>http://EzineArticles.com/1759151</guid>
<pubDate>Thu, 11 Dec 2008 11:29:51 -0600</pubDate>
<description><![CDATA[With so many places to get a high quality laptop without paying so mush for it, there really isn't a reason to go through a marketing program to get it for free. It just may cost you more in the end.]]></description>
</item>
<item>
<title>Make Money Fast As a Bartender</title>
<link>http://EzineArticles.com/1757526</link>
<guid>http://EzineArticles.com/1757526</guid>
<pubDate>Thu, 11 Dec 2008 08:19:05 -0600</pubDate>
<description><![CDATA[There are times in a person's life where they'll need some extra cash. Let me tell you about a few things I did when I needed to make money fast. It's not as hard as you think.]]></description>
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<item>
<title>How to Make Money Fast When You Need It</title>
<link>http://EzineArticles.com/1733919</link>
<guid>http://EzineArticles.com/1733919</guid>
<pubDate>Thu, 04 Dec 2008 09:39:33 -0600</pubDate>
<description><![CDATA[There are times in your life that you may need some extra cash. There are so many ideas to make that happen, you just need to really give it some thought. This post may help you get some ideas that you may not have thought of.]]></description>
</item>
<item>
<title>How to Make Money Fast Online</title>
<link>http://EzineArticles.com/1640835</link>
<guid>http://EzineArticles.com/1640835</guid>
<pubDate>Tue, 18 Nov 2008 15:30:01 -0600</pubDate>
<description><![CDATA[There are times in our lives when we need to get our hands on some extra cash. Whatever the reason, may it be for unforeseen expenses, a trip you want to go on, or maybe there's a show that you want to see.]]></description>
</item>
<item>
<title>Sleep Apnea Medical Treatments</title>
<link>http://EzineArticles.com/1670000</link>
<guid>http://EzineArticles.com/1670000</guid>
<pubDate>Wed, 12 Nov 2008 14:01:09 -0600</pubDate>
<description><![CDATA[Many people have problems sleeping at one point or another. There are many reasons why they may lose sleep, but to really find out you need to visit your doctor. Different causes of sleep loss can be range from either being physical, mental or even emotional.]]></description>
</item>
<item>
<title>Sleep Apnea Treatments - Are You in Need of Some?</title>
<link>http://EzineArticles.com/1640857</link>
<guid>http://EzineArticles.com/1640857</guid>
<pubDate>Tue, 04 Nov 2008 11:18:56 -0600</pubDate>
<description><![CDATA[Do you feel that you never get a good night sleep no matter how early you go to sleep or how late you get up? You notice that your sleep is never restful, but you don't know why?]]></description>
</item>
<item>
<title>Earning Money With Passive Income</title>
<link>http://EzineArticles.com/1577375</link>
<guid>http://EzineArticles.com/1577375</guid>
<pubDate>Thu, 16 Oct 2008 15:08:22 -0500</pubDate>
<description><![CDATA[The economy is in bad shape at the moment. Unemployment is up, the stock market is down and the financial credit crisis and housing markets are in turmoil.   Now the good news.]]></description>
</item>
<item>
<title>What's There to Understanding the Stock Market?</title>
<link>http://EzineArticles.com/1564050</link>
<guid>http://EzineArticles.com/1564050</guid>
<pubDate>Tue, 14 Oct 2008 11:43:51 -0500</pubDate>
<description><![CDATA[The stock markets are not hard to understand, but it takes some patience if you want to understand the stock market. With the way the markets have been performing in the recent weeks, it does make it a little more challenging.]]></description>
</item>
<item>
<title>The Stock Market is Back in the Year 1998</title>
<link>http://EzineArticles.com/1560570</link>
<guid>http://EzineArticles.com/1560570</guid>
<pubDate>Mon, 13 Oct 2008 15:25:23 -0500</pubDate>
<description><![CDATA[Believe it or not, the title of this article is correct. It's been ten years since the DOW was at these levels and the scary part is that I expect it to drop even more before it starts it's climb back up.]]></description>
</item>
<item>
<title>Personalized Gift Baskets - The Perfect Gift</title>
<link>http://EzineArticles.com/1551983</link>
<guid>http://EzineArticles.com/1551983</guid>
<pubDate>Fri, 03 Oct 2008 16:53:13 -0500</pubDate>
<description><![CDATA[No matter who you may be shopping for, it's not an easy thing. You don't want to get something that will just sit in the closet or gather dust somewhere in the corner. So what do you get someone you're buying a gift for? Why not think about personalized gift baskets.]]></description>
</item>
<item>
<title>How Do I Know If a P-E Ratio is Good?</title>
<link>http://EzineArticles.com/1537413</link>
<guid>http://EzineArticles.com/1537413</guid>
<pubDate>Fri, 03 Oct 2008 16:42:19 -0500</pubDate>
<description><![CDATA[There are many ways to evaluate a company, but one of the ways is by looking at the P/E ratio. A P/E ratio will help make your decision. If you're not careful, it can come back and bite you in your wallet.]]></description>
</item>
<item>
<title>Understanding the Stock Market - Bonds</title>
<link>http://EzineArticles.com/1537309</link>
<guid>http://EzineArticles.com/1537309</guid>
<pubDate>Fri, 03 Oct 2008 15:16:48 -0500</pubDate>
<description><![CDATA[With all the talks about saving the financial sector of Wall Street, people are wondering where to put there money for the time being while the markets stabilize. Typically when the market go through this kind of turmoil, the safest place would most likely be in bonds.]]></description>
</item>
<item>
<title>Do I Really Need the Best Laptop?</title>
<link>http://EzineArticles.com/1504994</link>
<guid>http://EzineArticles.com/1504994</guid>
<pubDate>Wed, 24 Sep 2008 13:43:23 -0500</pubDate>
<description><![CDATA[Depending what your need is for the laptop will determine if you really need the best of the best or one that will cover your requirements. If your just a casual surfer of the net, college student or you need a good laptop for your business, each type of person will desire something different.]]></description>
</item>
<item>
<title>Where Can I Get the Best College Laptop?</title>
<link>http://EzineArticles.com/1503295</link>
<guid>http://EzineArticles.com/1503295</guid>
<pubDate>Wed, 24 Sep 2008 11:02:56 -0500</pubDate>
<description><![CDATA[When shopping for the best college laptop one always asks "where do I go to get one? There are many places to go, in person or even on-line. I will talk about both of these choices here in this post.]]></description>
</item>
<item>
<title>Looking For the Best College Laptop</title>
<link>http://EzineArticles.com/1409472</link>
<guid>http://EzineArticles.com/1409472</guid>
<pubDate>Tue, 16 Sep 2008 10:57:27 -0500</pubDate>
<description><![CDATA[Many things need to be considered if you want to get the best college laptop. What way can you save money and still get your money's worth.]]></description>
</item>
<item>
<title>As the World Grows</title>
<link>http://EzineArticles.com/1409559</link>
<guid>http://EzineArticles.com/1409559</guid>
<pubDate>Tue, 19 Aug 2008 08:55:52 -0500</pubDate>
<description><![CDATA[When you look at the last 30+ years of world economic growth, you'll see that the overall growth has been healthy and growing at leap and bounds. China and India are in the fore-front during this period in time. They are using more materials (steel, copper, ore), grains, fertilizer than they are producing. Someone has to ship the goods.]]></description>
</item>
<item>
<title>Penny Stocks Have Great Potential</title>
<link>http://EzineArticles.com/1398942</link>
<guid>http://EzineArticles.com/1398942</guid>
<pubDate>Thu, 14 Aug 2008 11:22:04 -0500</pubDate>
<description><![CDATA[Buying penny stocks can have great potential,that can be either good or bad. You can double you initial investment in no time, but lose it just as quick. When I say double or triple your portfolio you may think that it's not easy for that to be done.]]></description>
</item>
<item>
<title>What You Need to Remember When Buying Penny Stocks</title>
<link>http://EzineArticles.com/1398844</link>
<guid>http://EzineArticles.com/1398844</guid>
<pubDate>Thu, 14 Aug 2008 09:21:05 -0500</pubDate>
<description><![CDATA[When you want to buy penny stocks, you need to be aware of a couple of things. Buying stocks is not an easy thing to do. Here are a some steps that will help you through it. First you need to realize that buying penny stocks are harder to do than other established stocks like Google, Yahoo, or even Wells-Fargo.]]></description>
</item>
<item>
<title>Were You Thinking of Buying Penny Stocks?</title>
<link>http://EzineArticles.com/1398763</link>
<guid>http://EzineArticles.com/1398763</guid>
<pubDate>Thu, 14 Aug 2008 09:08:16 -0500</pubDate>
<description><![CDATA[Were you thinking of buying penny stocks? You're not the first to thinking that they will find the next Google while it is still less than $5.00. Many stocks that trade on the markets were once valued at less than that. To be considered as penny stocks, most will say that the stocks value is $5 a share and then there are others that say $1 or less. Whatever the difference, buying stocks that are low valued doesn't mean that you'll become the next Warren Buffett.]]></description>
</item>
<item>
<title>Doors Can Make More of a Difference Than You Know</title>
<link>http://EzineArticles.com/1373171</link>
<guid>http://EzineArticles.com/1373171</guid>
<pubDate>Tue, 05 Aug 2008 11:09:44 -0500</pubDate>
<description><![CDATA[Many people renovate their home every year. Some for personal preference, others to add value to their home. What ever the reason you must think of what you can do that will give you "more bang for your buck".]]></description>
</item>
<item>
<title>Time to Buy Real Estate As an Investment</title>
<link>http://EzineArticles.com/1370614</link>
<guid>http://EzineArticles.com/1370614</guid>
<pubDate>Tue, 05 Aug 2008 07:59:02 -0500</pubDate>
<description><![CDATA[The time to start looking at investment properties is now. The housing market has taken their beaten and now seem to be close to their bottoms. As foreclosures are still running rampant, people are fighting to keep their homes. Many are looking for conventional ways to stay, but quite a few are willing to go a different route.]]></description>
</item>
<item>
<title>The Stock Market For the Beginner</title>
<link>http://EzineArticles.com/1360029</link>
<guid>http://EzineArticles.com/1360029</guid>
<pubDate>Wed, 30 Jul 2008 16:20:46 -0500</pubDate>
<description><![CDATA[Many people think that being in the stock market is for professionals. In most part it is, but for the amateur they can do just as well if they follow a few simple guidelines. Here are 5 things to remember when trading stocks.]]></description>
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