Archive | September, 2009
Five Reasons to Value Dividends
There are a lot of reasons to buy stocks, but whether you buy because of a gut feeling, a low P/E ratio, or because of someone screaming with excitement about a stock on a cable news network, one of the factors to consider in an investment is always the dividend. Some stocks don’t pay a [...]
Continue reading...What To Do After You Pay Off Your Debt
26. September 2009
You always hear about the ways to get out of debt, but you almost never hear about what to do after your debt is gone. If you have created a logical plan to follow and have been adhering to it then at some point you will be free of your debt. So what [...]
Continue reading...Consolidate Debt Without A Loan
26. September 2009
The Not So Wonderful World of Debt The world is full of those who have fallen unfortunate prisoners of debt. Debt is an equal opportunity employer and does not discriminate in reference to race, color, sex or creed. Debt will attach itself to anyone, the young and the [...]
Continue reading...Four Ways to Avoid Overdraft Fees
26. September 2009
Several news stories over the past few months have highlighted the billions of dollars in revenues banks collect every year in the form of customer overdraft fees. You may have paid these fees yourself. Spending a few dollars more than you have in your account can be costly if there’s a fee of nearly $30 [...]
Continue reading...Three Reasons Seniors Are Struggling With Debt
25. September 2009
Let’s face it–everyone is having a more difficult time making ends meet right now than they were prior to the recession and senior citizens are no exception. Most people picture a retirement of traveling and spoiling grandchildren. However, there are also countless seniors that struggle between social security checks every month and live on a [...]
Continue reading...Four Quick Financial Fixes to Avoid
23. September 2009
A recession like the one we’ve had brings desperate times for many people, and desperation can cause people to make a lot of poor decisions with their money. These decisions can make you think that you’re getting out of a tough spot when really you’re magnifying your financial problems in many cases. Being aware of [...]
Continue reading...A Better Strategy To Get Out Of Debt
22. September 2009
You hear a million and one strategies to get out of debt, but they all tend to be pretty much the same. Basically, start paying it off. This is a sensible albeit limited way to think about paying off your debt. It will probably take quite a while to end up paying [...]
Continue reading...A Better Strategy To Get Out Of Debt
22. September 2009
You hear a million and one strategies to get out of debt, but they all tend to be pretty much the same. Basically, start paying it off. This is a sensible albeit limited way to think about paying off your debt. It will probably take quite a while to end up paying [...]
Continue reading...What If You Can’t Save More Money?
22. September 2009
I have written several times in the past few months on this blog about how Americans are saving money at a rate we haven’t seen in years. I’ve also discussed the need to save more money to have emergency funds available, to replenish investment accounts that suffered market losses, and to be able to weather [...]
Continue reading...New Rules for Buyers and Sellers in Real Estate
19. September 2009
The housing bubble first showed signs of bursting in 2006 and the last few years have been an adventure for homeowners. With sellers stuck with no interested buyers, flippers stuck with multiple properties, landlords stuck without tenants, and millions of homeowners in severe danger of foreclosure, it will take years for the housing market to return [...]
Continue reading...Serious Mortgage Debt
17. September 2009
Across the country, the number of homeowners whose mortgages exceed the current value of their homes reached record heights. At the end of June, more than a third of all the mortgaged houses in the U.S. held this status – called “underwater” by those in the mortgaging business. This figure is also perhaps the highest [...]
Continue reading...Get Out Of Debt Tips
17. September 2009
The recession is almost behind us but many consumers continue to struggle with high levels of debt.In order to avoid long term financial problems and begin the journey to financial independence it is imperative everyone focus on debt elimination.Getting out of debt is not as complex or [...]
Continue reading...How to Find a Cheap Flight
17. September 2009
With the recession seemingly coming to an end, many consumers are once again beginning to plan vacations, although they are doing so on a budget. Finding airfare can be one of the most frustrating parts of traveling for people on a budget. Air travel has changed dramatically in just the past two years. Last summer, [...]
Continue reading...What Not To Do In Financially Tough Times
16. September 2009
There are many steps that people take during tough times to make it through. Everyone does them, but some of them end up doing more harm to you than good. Your financial future will extend beyond this economic rough patch so you do not want to do things that will hurt you now [...]
Continue reading...What Not To Do In Financially Tough Times
16. September 2009
There are many steps that people take during tough times to make it through. Everyone does them, but some of them end up doing more harm to you than good. Your financial future will extend beyond this economic rough patch so you do not want to do things that will hurt you now [...]
Continue reading...Advantages of a Roth IRA Conversion
16. September 2009
Most people who have given thought to planning for retirement have at some point established a traditional IRA account. The ability to save money for later in life in a tax-advantaged fashion and reduce your tax bill today is understandably appealing. Traditional IRA’s allow you to delay the pain of taxes until retirement. However, a [...]
Continue reading...Advantages of a Roth IRA Conversion
16. September 2009
Most people who have given thought to planning for retirement have at some point established a traditional IRA account. The ability to save money for later in life in a tax-advantaged fashion and reduce your tax bill today is understandably appealing. Traditional IRA’s allow you to delay the pain of taxes until retirement. However, a [...]
Continue reading...The Consequences of Deficit Spending
14. September 2009
As an individual, if you anticipated that your income for the next year would total about $50,000 chances are you wouldn’t budget for spending of $200,000. You wouldn’t plan to put yourself that far into debt and you would have a very difficult time financing that kind of spending without the income to support it. [...]
Continue reading...Common Credit Mistakes
13. September 2009
Your credit score can be affected by almost every action you take financially. You may be doing things that are adversely affecting your credit score and not even know it. These common credit mistakes may seem harmless, or you may not be aware of how credit is tabulated and what that means for [...]
Continue reading...Common Credit Mistakes
13. September 2009
Your credit score can be affected by almost every action you take financially. You may be doing things that are adversely affecting your credit score and not even know it. These common credit mistakes may seem harmless, or you may not be aware of how credit is tabulated and what that means for [...]
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29. September 2009
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