Search:

Articles in Home | Finances

  • How Stock Options Expire  By : Mark Crisp
    Expiration dates for options of a single underlying stock are offered on a predictable cycle Every stock with listed options can be identified by the cycle to which it belongs, and these remain unchanged
  • The Home Improvement Loan  By : Jeff Saunders
    Everyone wants changes in life; this change can be of any kind like change of wardrobe, giving one a new look for the betterment, change of jobs or even changes in the place where we spend most of the time ie
  • Stock Trading - An Introduction To Stock Trading Systems & Strategies  By : Larry Schade
    A lot of stock traders will tell you that a stock trading strategy is very often said to be the same as a stock trading system that is designed to be used and traded in the stock market But a stock trading strategy does involve a complete system that includes not only entry and exit rules, but stock selection, risk control and money management
  • You've Been Pre-approved  By : Debbie Dragon
    You have seen it before Perhaps you are one of the millions of people who see these words everyday
  • Choosing The Right Credit Card Processing Company  By : Debbie Dragon
    There are many credit card processing companies to choose from, how do you know which one you should go with Will they benefit your company
  • Scale The Height Of The Rock-solid Arizona Home Equity Loans  By : Rony Walker
    What’s more spectacular than to feast your eyes and marvel at the magnificent Grand Canyon in Arizona Probably, no one could help getting carried away in beholding the splendor of the natural rock formations that took millions of years to shape
  • Mortgage Loan  By : Freddy Mason
    The word mortgage has been derived from a French word ‘mort’ meaning death that means ‘agreement until death’ Mortgage loan refers to a loan secured by residential property and often used for a purpose to lock a real estate
  • Offset Mortgage Explained  By : Rachel T Campbell
    An offset mortgage basically uses the interest from your savings account against the interest charged on your mortgage Usually your mortgage lender will link your mortgage and savings account into a single account, with the same financial institution
  • Good Reasons For Getting That Remortgage.  By : T. O' Donnell
    Nearly half of all mortgage applications are for remortgages If you are considering remortgaging your home loan, here are some things you can do to get ready:

    1
  • How To Raise Your Credit Score After A Bankruptcy  By : David Faulkner
    Gone are the days when bankruptcy was considered to be a taboo; nowadays filing for bankruptcy is quite a commonplace phenomenon Without giving it as much as a thought, many thousands of Americans are facing bankruptcy each and every year
  • Get Asset Protection Before It's Too Late  By : Jeffrey W Anderson
    You know, there are actually people out there on the road, at this very minute, who do not believe they need car insurance Instead, they drive on the roads and toss caution to the wind while the rest of us try to protect our assets by insuring them
  • Protecting Your Credit Card Information Online  By : Debbie Dragon
    One of the biggest trends of today's world is shopping online It is convenient, easy, and saves a great deal of time, not to mention that it, in many cases, saves you a great deal of money at the same time
  • How Are Finance Charges Calculated?  By : Peter Kenny
    Whether you are shopping for a new credit card or wondering about the one that you may already have, knowing how to calculate the finance charge applied to that card is important First, however, it is equally important to know what finance charges really are
  • Financial Freedom? Here's The Only Real Question  By : Walt Goodridge
    PREAMBLE: The only way to take control of your life, raise your standard of living and move beyond merely surviving is to create your own unique product or service that you offer to increasing numbers of people in exchange for the things of value that you desire This simple formula applies to countries as well as people
  • Secured Loan  By : Jeff Saunders
    A loan supported by assets belonging to the borrower is a secured loan This reduces the risk assumed by the lender
  • Why Having A Budget Is The First Step To Getting Out Of Debt  By : Harrine E. Freeman
    Many people constantly complain about being in debt, but when you ask: do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse I am always amazed at this; how can you ever get out of debt if you don’t change your mindset and if you aren’t willing to work hard and make sacrifices
  • The Seven Most Common Financing Mistakes  By : Christine Comaford-Lynch
    As a serial entrepreneur and a former venture capitalist and angel investor, I've been on both sides of the table during a lot of financing pitches, and I've seen entrepreneurs make the following seven mistakes over and over Don't shoot yourself in the foot by repeating them—getting financing is hard enough as it is
  • Problem Remortgage  By : Freddy Mason
    Remortgage in simple terms means the subsequent mortgage of an asset to get a further loan, or when the asset changes hands as a collateral to get a further loan it can be termed as remortgage This mainly takes place when a borrower is dissatisfied with the mortgager or has difficulty in making the payments
  • Mortgage Shopping: Six Questions You Need To Ask  By : Andrew Carey
    Obtaining a new mortgage has become increasingly difficult in recent months Whether you're trying to purchase a new property or refinance your existing home, loan requirements have become stricter in the face of declining home values, falling buyer demand, and financial market concerns
  • 8 Simple Misconceptions Of Credit Explained  By : Leonel Avalos
    There are a lot of erroneous information over Credit realted matter out there

    So the problem is how do is sift through the right informative material, that is the question
  • Loans For Homeowner  By : Manuel Zarate
    An individual having his own house has an added advantage of availing a homeowner loan by depositing his collateral as security A homeowner loan is a secured loan by nature where the borrower deposits his house as security to the lender
  • Privacy Protection In Today’s Mortgage Climate  By : Andrew Carey
    Most savvy consumers these days are taking steps to ensure their privacy and avoid unsolicited calls or a mailbox full of junk There are laws in place that give us a bit of control when it comes to how our information is being used and by whom
  • Where Does Money Come From?  By : Graham Dyer
    Get ready for a shock if you don’t already know

    Every day countless millions of transactions are facilitated with money
  • How Not To Make Money Online (Or Anywhere Else)  By : T. O' Donnell
    Here are a few tips on how _not_ to make money, and underneath each one, the smart thing to do instead

    1
  • How To Trade Successfully In The Forex Market  By : Chris Murphy
    To trade successfully in the Foreign Currency Exchange (Forex) Market, there are certain principles that must be adhered to at all times There are a lot of investors who have made some really questionable trades when everything looked so good
  • The Foreign Currency Exchange Market - What Is It All About?  By : Chris Murphy
    You’ve likely heard of the Foreign Currency Exchange Market, but do you know what it’s all about and how to participate in it Some people do, but many don’t know that the world’s currencies are traded almost every day of the week around the clock
  • Forex Trading Vs. Commodities – See What You Could Be Missing  By : Chris Murphy
    Foreign Currency Exchange (Forex) Trading involves determining whether a certain nation’s currency will go up or down compared to another major currency When you trade in the Forex, you trade currency pairs: Pairs of national currencies which go up or down relative to each other
  • Credit Card Holders Benefit Through Congress' Pressure  By : Devin Gilliland
    Owning a credit card is fast becoming a better deal for consumers as the credit card industry (banks and other credit card issuers) starts changing their practices and implementing what can only be construed as more lenient practices, under the pressure exerted by Congress This article offers the whole story
  • Role Of Credit Bureaus In Credit Card Approvals  By : Devin Gilliland
    If the credit bureaus rate your credit high, you may find your mailbox flooded with credit card offers from the thousands of credit card issuers in the country There are many banks offering various credit cards, with rewards this and rewards that; platinum, gold, or silver; and so many variations thereof
  • The Pros And Cons Of Prepaid Credit Cards  By : Devin Gilliland
    Observers in the lending industry have estimated that there may be at least 50 million Americans who are not able to qualify for credit These consumers are usually young, often members of the minority groups and unbanked…and they are faced with the long-standing dilemma of credit: how can I build my credit record if no one will give me any credit at all
  • You And Your FICO Score  By : Devin Gilliland
    Your ability to qualify for any kind of financing - from credit cards to auto loans to mortgages, depends greatly on credit scoring Most creditors will draw your credit report to look at your FICO score
  • The Basic Credit Card Types  By : Devin Gilliland
    It may seem incredible, but credit card issuers clog the mails with over 25 billion offers inviting people to apply for a credit card
  • Credit Card Options For Minors  By : Debbie Dragon
    If you’re like a lot of parents, your first thought upon reading this title was, "Are you crazy Why would a child need a credit card
  • Are You Becoming Wealthy On Your House?  By : Kerry A. Francis
    Are you becoming wealthy on your house Is your home your best performing investment
  • Credit Repair: How Credit Scores Really Work  By : Jim Kemish
    Not all Scores are Equal

    There are many credit scores available, but the only one that matters is your FICO score FICO, by the way, is an acronym for Fair Isaac and Company, the developer of the score
  • 10 Surefire Ways To Make An Investment Fortune, Part I  By : J.S. Kim
    People have often asked me how I always pick stocks that end up with 20% gains in a couple of months or triple-digit gains in a year They ask me is it luck
  • 10 Surefire Ways To Make An Investment Fortune, Part II  By : J.S. Kim
    Below, I present Part II of my original article, "10 Surefire Ways to Make an Investment Fortune"

    (6)Understand Why You Own Everything You Own, Then Stand Firm in Your Convictions

    Since most people never take the time to learn how to invest properly, or are fed a bunch of misinformation by the so-called industry professionals, they waffle as much as a shady politician when making investment decisions
  • How Credit Cards Work  By : Debbie Dragon
    You find something you absolutely have to have, slap down a piece of plastic and voilà – it’s yours Life sure is good, isn’t it
  • Northern Rock - A Bank Built On Sand?  By : Leslie Hardy
    The confirmation by the Bank of England of support for Northern Rock plc on 12 September 2007 is the first major sign of international fallout from the collapse of the US subprime mortgage lending market

    In the US, lenders such as New Century Financial Corporation, the second largest subprime lender in California, have gone bankrupt
  • Credit Repair - Right Here  By : Brian McQuirk
    Credit repair seems like a very tedious process but actually it is not Credit repair is a booming business now and, unfortunately, a lot of unscrupulous elements are thriving in the market
  • Flexible Mortgages Are Made For Today’s Modern Lifestyle  By : Jenny Hoskins
    Body

    Flexible mortgages are among some of the new mortgage packages that have been created to cater for the modern mortgage market The modern mortgage market has become more liberal and creative, and therefore this has led to an increase in the choice and diversity of mortgage packages being offered to borrowers
  • Repair Your Damaged Credit Rating  By : Amy F. Goodmann
    How to Restore Your Credit Rating

    Often a person’s credit rating has been destroyed due to no intention on their part It was not planned that way it just happened
  • Drawbacks Of Not Having A Credit Card  By : Devin Gilliland
    There are very few things that are as ubiquitous as the credit card This little rectangle of plastic can give us so much convenience, but to the unwary can also bring so much misery
  • Reasons Why You Need A Business Credit Card  By : Salihu Ibrahim
    Operating your own business can be very exciting and profitable, but you need to make sure you keep your personal and business expenses separated This way you can take legitimate business expenses when you file your income tax return at the end of the year
  • What You Need To Know About Chase Credit Cards  By : Salihu Ibrahim
    Chase is one of the leaders in the credit card industry and they make millions of dollars annually from the amount of interest people owe them when they access the credit limits set up for their account It is very common for people to have credit cards in their wallets, and many people access them very frequently instead of reserving them for emergency purposes
  • The Subprime Mortgage Credit Crisis  By : Jim Kemish
    Over 20 percent of all mortgages originated from 2004 through 2006 were subprime mortgages Nearly one quarter of all American homeowners in recent years purchased homes using subprime mortgage programs
  • First Time Home Buyers Rejoice!  By : Jim Kemish
    As the mortgage industry has changed in recent months and many of the more liberal mortgage programs have been cancelled, borrowers have gone in search of home financing that will accommodate their credit and income profiles Florida mortgage expert Jim Kemish discusses the amazing Fannie Mae American Dream Initiative and how it might make your dreams come true
  • The Perfect Mortgage Refinance!  By : Jim Kemish
    Do you have an adjustable rate mortgage Have you seen your mortgage payment increase repeatedly over the last few years
  • Common Credit Repair Questions Answered!  By : Jim Kemish
    What is the quickest way to improve your score Do mortgage inquiries count against your credit score
  • How To Save Money When You Apply For A Mortgage!  By : Jim Kemish
    So, you’re about to get a mortgage Take a deep breath
  • What Is A Sub Prime Loan?  By : Peter Kenny
    A sub-prime home loan is designed to service those individuals and families who have credit problems The severity of the credit problems and the length of the problems will determine whether or not you are a candidate for a sub-prime loan
  • Busting The Credit Card Myth  By : Ainuddin Mohamad
    You can find lots of misinformation about money and credit and especially credit cards Misinformation is misfortune, so arm yourself with The truth before you tackle the credit card demons
  • To Much Credit Card Debt Can Spell Disaster For Your Finances.  By : Salihu Ibrahim
    Credit cards make it very easy to live in a society that promotes buy now and pay later The are often misused as people have the means to be able to buy various items they don’t really need
  • Credit Card Industry Urged To Review Practices  By : Devin Gilliland
    Perhaps you have noticed the changes in the credit card offers you have been receiving For instance, early this year Chase Card Services junked the two-cycle billing practice on their credit cards, where your average daily balance subjected to interest was calculated on the basis of two full cycles instead of only one billing cycle
  • Credit Card Transaction Disputes  By : Devin Gilliland
    A credit card dispute on transactions made, offers consumers three protections: protection against unauthorized use, billing error procedures, and the right to withhold payment Lenders follow a set of procedures when you file a credit card dispute for a discrepancy in your bills
  • Debt With Dignity  By : Steve Rhode
    In all sorts of corners of life we now assume that it is wrong to not treat others well For example, in the U
  • How To Get Low Rates On Automobile Insurance In Iowa  By : Larry Nez
    Did you know that if you have a spotless driving record and if you have sufficient financial resources to pay for medical expenses and property damage in the event of an accident that you do not have to purchase car insurance in Iowa

    But before you start driving in Iowa sans car insurance you need to keep in mind that having the financial resources to pay for an accident out of your own pocket may not be possible for most people
  • How To Get The Best Rates On Automobile Insurance In Iowa  By : Larry Nez
    If you have a perfect driving record and if you have enough money in the bank to guarantee that you can pay medical expenses and property damage for any accident you are involved in – then the state of Iowa says you don't need to buy automobile insurance

    Of course, how many of us have the necessary financial resources to cover any accident we may be involved in
  • How To Get Cheap Automobile Insurance Online In Iowa  By : Larry Nez
    Almost everyone who drives an automobile wants to get cheap automobile insurance in Iowa – and if they don't, they should

    The good news is there are several steps you can easily take that will help to keep the cost of your automobile insurance at a bare minimum – steps that you need to take even before you get online and start comparing policies and prices, searching for the best deal possible
  • How To Get Affordable Homeowner's Insurance In Florida  By : Larry Nez
    Fortunately there are quite a few steps, many of them easy and inexpensive (others more complex and expensive) which can help you to structure a homeowner's insurance policy that saves you the most money possible - and once that is done then it becomes a rather simple procedure to jump online and make a few quick and easy comparisons and find the very best price you can possibly get on your homeowner's insurance policy
  • How To Get Affordable Health Insurance In Florida  By : Larry Nez
    Health insurance is one of the most talked about and difficult-to-afford types of insurance that the average American is faced with buying In fact, health insurance has become so expensive that approximately 17% of all residents of Florida are without health insurance coverage of any kind
  • 10 Practical Steps To Becoming Debt Free In 3 To 5 Years  By : Preston Hill
    This article provides 10 practical steps or ideas to help you become debt free in three to five years

    Debt relief is a serious problem for most Americans
  • How To Save Money And Get Discount Health Insurance In Iowa  By : Larry Nez
    It's no secret that health insurance can cost an arm and a leg For many people health insurance is so expensive that they are simply forced to go without it at all
  • What To Look For In A Full Coverage Automobile Insurance Quote In Iowa  By : Larry Nez
    Unless your automobile is being financed the only type of automobile insurance you are required to have in Iowa is liability coverage Liability insurance pays for medical expenses (bodily harm) and for property damage (generally the repair of a vehicle) for the other party if you are involved in an accident and it is determined that you are at fault
  • What To Look For In A Full Coverage Car Insurance Quote In Iowa  By : Larry Nez
    Not every driver in Iowa is required to buy car insurance If you have a perfect driving record and if you have sufficient resources available to pay for any accident you may have, then you are not forced to buy car insurance
  • How To Save Money And Get Discount Homeowner's Insurance In Iowa  By : Larry Nez
    Unless your home is financed you are not required to purchase homeowner's insurance in Iowa Nevertheless, most homeowners who own their homes free and clear still choose to purchase homeowner's insurance for the simple reason that doing so simply makes good economic sense
  • How To Get Cheap Car Insurance Online In Iowa  By : Larry Nez
    There's no trick to finding websites that will let you compare car insurance prices between several different insurance companies operating here in Iowa But finding these sites is just one piece of the puzzle
  • How To Get Cheap Health Insurance Online In Iowa  By : Larry Nez
    Health Insurance is expensive no matter where you live Here in Iowa nearly 17% of all the state's residents cannot afford health insurance of any kind
  • Long Term Saving Versus The Forex  By : Gerald Mason
    Long term savings plans will often be a very sound investment as we will see in this article

    Although Forex can make you much more in a smaller amount of time – but there is more risk attached
  • 10 Advantages Savings Plans Have That The Forex Does Not  By : Gerald Mason
    1 Safety
  • How To Get Cheap Homeowner's Insurance Online In Iowa  By : Larry Nez
    It would be easy to tell you to just jump online, find one of the many sites that allow you to make comparisons of the prices of homeowner's insurance policies from a variety of different insurance companies and be done with it

    Unfortunately doing that will not necessarily get you the cheapest homeowner's insurance that you can find online in Iowa
  • How To Save Money And Get Discount Automobile Insurance In Florida  By : Larry Nez
    Florida is serious about automobile insurance So serious that if you cancel an auto policy, or if a company cancels your policy for any reason, the state is immediately alerted and if you don't replace the canceled policy immediately your registration tags can be canceled almost at once – and getting the tags reinstated can be time consuming
  • The Importance Of Timing In Forex And The Stock Market  By : Gerald Mason
    When we make money from the Forex we are looking for economic data which will influence the price of currencies But when we are looking for good companies to invest in on the stock market we have been told to "Buy the blue chips
  • How To Save Money And Get Discount Car Insurance In Florida  By : Larry Nez
    You must have car insurance if you intend to drive your vehicle on any public roadway within the state of Florida Driving without insurance carries severe legal consequences and can result in your inability to easily obtain a permit for a vehicle in your name for a minimum of three years
  • Limiting Your Losses When Investing In Shares Or The Forex  By : Gerald Mason
    When you buy shares, do not buy just one stock Buy four or five at least
  • How To Save Money And Get Discount Homeowner's Insurance In Florida  By : Larry Nez
    Your home is probably your largest investment and your most valuable asset so it only makes good economic sense that you would want to do everything you can to protect it The most common way to protect your home and its contents is to purchase homeowner's insurance
  • Comparing The Forex With Investing In Insurance  By : Gerald Mason
    Investing in Forex is more risky but the gains that can be achieved are a lot larger than insurance, although insurance is a very good long term investment

    While there are innumerable kinds of life insurance available, they can be simplified into two general types: those that insure against death only and those that not only insure against death but make a provision for savings in addition to insuring
  • How To Save Money And Get Discount Health Insurance In Florida  By : Larry Nez
    Health insurance is generally considered one of the least affordable of all the types of insurance that the average America is expected to purchase In fact, approximately 17% of all Florida residents can't afford any health coverage at all
  • How To Compare Low Cost Homeowner's Insurance In Florida  By : Larry Nez
    Your home is probably your biggest investment and your most prized asset, so it's only natural that you should want to protect that investment by purchasing homeowner's insurance

    But by the same token you don't want to pay any more for your insurance than you need to, so it is also only natural that you should want to compare low cost homeowner's insurance here in Florida so you feel confident that you have gotten the very best deal you possibly can
  • How To Get Cheap Automobile Insurance Online In Florida  By : Larry Nez
    The internet makes comparing and finding the cheapest automobile insurance in Florida a snap – or, more accurately, a simple click of the mouse Several dozen different websites offer you the ability to compare prices among a variety of different insurance companies so that you can quickly and easily find the automobile insurance policy that's right for you at the best possible price
  • How To Get Cheap Car Insurance Online In Florida  By : Larry Nez
    As most people are aware, if you put the words "Car Insurance in Florida" into any search engine you will find literally dozens of websites that allow you to make fast and easy comparisons of prices for car insurance between a wide range of insurance companies These sites are wonderful
  • Problem Remortgage Information You Can Use  By : Micheal Coley
    A problem remortgage occurs when you are unable to get a remortgage on your house when you are in need of money This happens usually if you have a bad credit history
  • Forex Can Be Amazingly Profitable Over The Short Term  By : Gerald Mason
    Forex can be amazingly profitable in the short term and if profits are reinvested over The long term as well

    Shares can be a great long term investment there is the case of the Long Beach, California, couple, who received $1,000 each as a gift at their wedding in 1896
  • Online Mortgages  By : Micheal Coley
    The internet is fast becoming an important medium for people looking to acquire anything like for an example a house, a car, and any other necessary or luxury items In the past there was scarcity of sources due to which people could not prosper and furnish their financial demands on time
  • Great Profits Can Be Made From Forex And Stocks And Shares  By : Gerald Mason
    Forex is more risky than the stock market but nearly 12,500,000 people in the United States today own common stock

    This fact, so briefly stated, is of first-rank importance
  • Your Credit Cards Can Be Your Financial Undoing  By : Amy F. Goodmann
    Credit cards can be a convenience or they can be your financial undoing It is true that credit cards are convenient, reduce your need to carry cash and as well allow you to purchase bargains on the spot, and save money, that you might not have been able to do otherwise
  • Say "Bah, Humbug!" To Holiday Debt  By : Michael Peterson
    Ah, the holiday season Turkey and dressing, pumpkin pie, Santa hats, jingle bells, and lots and lots of eggnog make the season a delight
  • Trading In Forex Will Soon Be Just As Popular As Shares  By : Gerald Mason
    Shares are now owned by millions of ordinary people worldwide

    By 1956, 37 million families owned automobiles a rise of 61 per cent in eight years
  • Things To Consider Before You Invest In Forex  By : Gerald Mason
    There are several things to consider before you invest in the stock market or Forex

    Your Personal Situation: Your age, the state of your health, the number of dependents you support, the kind of job you have, whether you are a man or a woman, what kind of goals you have set for yourself all these, and more, are factors which will bear on your decision whether or not to invest
  • Can You Afford To Invest In Forex?  By : Gerald Mason
    An important question for all investors is: Can I afford to invest

    America always has been a land of promise
  • American Express Blue: The Smart Credit Card  By : Devin Gilliland
    1999 heralded the start of a series of ground-breaking credit card innovations, with American Express consistently as the pioneer The first modernized product - the RFID embedded Blue from American Express credit card - was a winner, not only because of the technology, but also because of the compelling features this card offered to consumers
  • Successful Investing For Income In Shares Or Forex  By : Gerald Mason
    Investment for income is generally a long-term proposition It implies stability and it makes particularly good sense for people who do not expect to become market experts or security analysts
  • Best Pennystocks: A Stock Trading Robot?  By : Del Erben
    Interested in the First Commercially Available Stock Trading Robot

    Are you looking for the best pennystocks
  • How Safe Are Shares Or The Forex?  By : Gerald Mason
    As an investment category, yes All sorts of prudent and conservative institutions colleges, pension funds, foundations, trust departments invest in stocks
  • Payment Protection  By : Fred Inance
    To be able to decide if you should take payment protection with your loan you need to fully understand what payment protection offers and how it works You must then consider how appropriate this is to your personal circumstances
  • Is It Safe To Invest In Shares Or The Forex?  By : Gerald Mason
    You feel yourself financially able and personally qualified to invest You can meet the conditions of reasonable stability, reasonable flexibility, and reasonable caution
  • Baby Boomer Couples Cutting Health Care Costs  By : Terry Stanfield
    Baby boomer couples cutting health care costs by pooling resources to reduce the cost of long term care premiums Instead of buying for one, advisers and analysts say you can sometimes slash premium costs by approaching long term care insurance as a couple
  • The Holidays Are Rapidly Approaching: Do You Know Where Your Credit Cards Are?  By : Debbie Dragon
    It’s only October, but there is actually less than 82 shopping days remaining until Christmas Many people are still paying their holiday debt from last year, let alone feel ready to start the holiday gift buying season all over again
  • Don’t Be Fooled By "Instant Quote" Long Term Care Insurance Websites!  By : Neil Gholson
    What is the deal with the instant long term care insurance quotes that are all over the net Lets take a closer
  • How To Get The Best Rates On Car Insurance In California  By : Deborah Mills
    Before agreeing to any car insurance policy, a driver in California should check that the agent they are dealing with is indeed licensed by the state To do this they need to contact the California Department of Insurance

[1] [2] [3] [4] [5]

Powered by Article Dashboard