Archive | January, 2010
How Thinking Like A Rich Person Can Help Get You Out Of Debt
Do you think like a rich person? Do you know that people who are rich think a lot differently than those who are not? Do you believe that the way that you think can have a drastic impact on your financial situation? If you are even the least bit curious then maybe you should [...]
Continue reading...Lowering Credit Card Balances
29. January 2010
Significantly lowering your credit card balance can be like coming from behind to win the Super Bowl. If you are thousands of dollars in credit card debt you may look at the score board and think there is no way out. But think about some of the greatest [...]
Continue reading...Stash the Credit Cards Next Holiday Season
29. January 2010
If you have the post-holiday blues, the reason might be your credit cards. If you’re like many consumers, you overloaded your credit cards this holiday season to buy gifts for friends, family members and co-workers. Now the bills have come due, and you’re shocked to see exactly what you spent. You might not [...]
Continue reading...Concrete Steps To Get And Stay Out Of Debt
25. January 2010
Spend less than you make. This is the easy way to stay out of debt and spending a lot less than you make is a way to come up with the money to get out of debt quickly. Unfortunately, this advice is not enough for most people to get and stay out of [...]
Continue reading...What Information is in my Free Credit Report Equifax?
25. January 2010
The free credit report Equifax contains information that you can use to keep current of the status of your credit. It is vital information for you to know when you are applying for new credit as in a loan for a major purchase or buying a home. You should be aware of any changes posted [...]
Continue reading...Credit Score Myths That You Need To Know About
22. January 2010
The basic details of what can raise or lower your credit score are obvious. Pay our bills on time and your credit score will go up. Skip payments or pay your bills late and your credit score will go down. Everyone knows this much. The problem comes in when people believe [...]
Continue reading...Stumbling Blocks Preventing Recovery for Banks
22. January 2010
It’s not often that the quarterly results from one bank can be used to gauge the health of the entire financial sector but last week when JP Morgan issued their earnings report, they provided several clues about the overall health in the banking industry. They reported earnings that exceeded analyst expectations which is usually enough [...]
Continue reading...Four Ways to Maximize Social Security Benefits
18. January 2010
If you’re in your 20’s or 30’s, you’re probably not counting on too much being left in the Social Security fund to help pay for your retirement. However, people approaching retirement should be starting to think about what their strategy will be when it comes to Social Security. Taking it early can mean an increase [...]
Continue reading...Consumers Have Trouble Deciding When Foreclosure is Best Option
15. January 2010
There is a lot of information in the news every day about programs like the government’s mortgage modification program. The program is intended to give consumers an opportunity to lower their mortgage payment by changing the terms. The program was put into place during the recession because many homeowners found themselves either unemployed or with [...]
Continue reading...American Debt Negotiators Inc.
15. January 2010
According to the Better Business Bureau (BBB), American Debt Negotiators, Inc. is listed as a credit counseling and management services corporation. They are located at 11555 Heron Bay Blvd., Ste.200, Coral Springs, FL 33076. Their contact phone number is (561) 483-7337, and their website is http://www.adnnow.com. Dave [...]
Continue reading...Explore the Benefits of Converting to a Roth IRA Today
15. January 2010
You have probably heard about the generous benefit of investing for retirement through an individual retirement account or IRA – investors can invest their money and watch it grow tax-free. However, you may not be aware that there are actually several types of IRAs, two of which we’ll focus on here as well as why [...]
Continue reading...Utility Bills Create Debt for Struggling Homeowners
12. January 2010
Homeowners struggling to prevent foreclosure often have to make difficult and almost impossible financial decisions at times. When unemployment strikes and benefits are just a fraction of the working income, bill juggling is common. When it is necessary to cut back on expenses some bills can be eliminated or reduced. But there are also expenses that [...]
Continue reading...Ways to Build a Savings Buffer
12. January 2010
Most people would agree that there’s a great deal of wisdom in having an emergency fund. Having a little more than you need tucked away in a bank account can help you to avoid overdraft fees, avoid having to obtain costly payday loans, and take care of minor unforeseen expenses as they arise. While it’s [...]
Continue reading...New Year Resolutions Include Reducing Debt
8. January 2010
Frugality has not marked the American culture in a long time, but perhaps that is changing for a while. The recession has been very difficult on households financially and it’s not going to change any time soon. Though the economy is in recovery, U.S. Federal Reserve Chair Ben Bernanke has made it clear the pace [...]
Continue reading...Debt Professionals of America
8. January 2010
Debt Professionals of America (DPA) is a Texas-based debt settlement company, in business for 10 years, and claiming settlements of over $26m in unsecured debt for approximately $11m, an average saving of 43%. DPA has a very professional-looking web presence. It is immediately apparent when viewing [...]
Continue reading...Top 3 Tips for Getting Bad Credit Loans After the Holidays
8. January 2010
If you’re struggling financially after this holiday season, bad credit loans might be a good way for you to get through this time in a financially healthy way. While these loans have a higher interest rate than conventional loans, they do provide you a way to get the money you need quickly and easily. If [...]
Continue reading...FTC Warns About Auction Scams and Pitches
5. January 2010
We have all read the auction pitches or seen them on television. These are the pitches that talk about assets like government seized properties or foreclosed homes. According to the pitch, all you have to do is buy a price guide to find millions of dollars worth of items the government or auto dealers are [...]
Continue reading...Auto Loans: Lower Interest at a Price
5. January 2010
Auto loans are always possible, but if you have less than stellar credit, or seeking a loan after a bankruptcy, there is always a greater price to pay. This price doesn’t, however, always equal an astronomical interest rate. This past year auto loan issuers and lenders have found a way to give sub-prime borrowers a [...]
Continue reading...Revival Of Layaway Helps Consumers Avoid Debt
1. January 2010
Older shoppers remember layaway plans when they were regularly used by consumers. Then credit cards came into existence and stores and consumers both embraced them. A sale could be completed and the buyer able to walk out of the store with the merchandise in hand. Layaway opportunities became less available as credit card usage [...]
Continue reading...Who Still Has Savings Accounts?
1. January 2010
As unemployment reaches double digits for the first time in over 26 years, savings accounts, once a standard for the grown up and responsible, are becoming more and more of a luxury item. The idea of a “rainy day” fund becomes increasingly far-fetched as many Americans struggle with the increasingly difficult task of having even [...]
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29. January 2010
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