Why Can't You Ever Make On-Time Payments?

By Tisha Tolar How frustrating is it to pay all of your bills each month when you finally get a minute to sit down and take care of things, ... are no longer as forgiving about grace periods and payment timelines. It is now more important ... . You need to change your financial habits to eliminate late fees and help you on your way to living a debt [more...]

Date: 2009-01-12 22:28:05

Blog posts (135) | Videos (205)
 

Don’t Throw in the Towel

Someone from the Cato Institute sent me this with the message “I’ve been reading your blog posts on the Obama stimulus plan, and I wanted to bring this to your attention, something I think you’ll find interesting.” I interpret “interesting” to mean “you are mistaken to think fiscal policy can benefit the economy”: Making Work, Destroying Wealth, [more...]

Date: 2009-01-14 09:44:27

Credit Rating Agencies

The WSJ ran an editorial the other day arguing against the New York Fed’s proposal to create a central clearinghouse for credit default swap ... : Me: I could see why a million little shops analyzing debt and selling their analysis could make sense ... s clearly a legit problem. But what is the point of them for the private sector. Why are their opinions [more...]

Date: 2009-01-16 00:21:02

The Federal Government may be counting on Middle America's spending to shore up the economy, ... accounts. In the past few months, we've begun paying down debt and putting money aside for a rainy day ... , there's no ladder tall enough to help them see over the top. Some have ended up in this position [more...]

Date: 2009-01-15 14:26:27

Want to Become the Greatest Sports Handicapper? Here’s How

Want to Become the Greatest Sports Handicapper? Here’s How You will be able to get tips on best betting practices. … can make money on sports now and forever with a conservatively sports betting strategy . Texas Hold’em Rules and Strategy Card Playing And Betting At Texas Holdem Poker Author writes articles, tips and advice for Better Betting … Free Horse Racing Tips and Betting Strategies … Baseball Betting Strategy , Tips & [more...]

Date: 2009-09-29 15:15:30

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

How to Avoid a Lawsuit From a Collection Agency

The first thing you need to understand is that most large collection companies have a lawyer at their disposal who writes letters on their behalf ... to respond… they’ll sell the debt to another collection agency for pennies on the dollar. In order for them ... that they cannot legally be collected on. So even with a judgment to repay the debt… the collec [more...]

Date: 2009-01-14 19:53:56

What Can I Do? I’m Treated Like A Financial Leper Because My Credit Is Bad

Amazon.de Widgets If you feel like you’ve been well and truly left out to dry by the financial institutions, you have every right. The current economic meltdown is the reason, and because of our excessiv spending of the last 5 years we’re not totally blameless, but we’re certainly not to blame for the financial mess that the US and the rest of the world is facing right now either. [more...]

Date: 2009-09-28 12:04:42

Stuff that matters: Unpicking the pyramid

Most things are unnecessary. Most products, most consumption, most politics, most writing, most research, most jobs, most beliefs even, ... mortgaged our future in order to get what we have now, but the debt doesn’t die with us. On this model ... m especially inspired by Tim O’Reilly’s “Work on stuff that matters” advice. If we go back to the ‘most [more...]

Date: 2009-01-14 21:11:29

Seven Huge Financial Mistakes I Made During My College Career

Over the last few weeks, I have been reflecting on how many members of my rather close extended family are either near high school graduation or are in college right now. They have so many great opportunities ahead of them in the next few years - and so many chances to botch things, too [more...]

Date: 2009-01-04 14:00:00

Free lunch? - What does UK government funding mean to startups?

This is a guest post by Nick Halstead, CEO and founder of fav.or.it As I am in the midst of raising another round of funding for fav.or ... your Intellectual Property. The problem though is that since the beginning of the credit crunch the Banks ... up to £1.3bn of new lending by banks.’ However, there is one BIG problem, the banks still do not want [more...]

Date: 2009-01-15 09:25:59

Government Intervention in Foreclosure

This is Part Four of a series of articles on foreclosures. This article does not constitute legal advice. Foreclosure laws vary from state to state. Homeowners in financial distress should always hire legal counsel. Call your local state bar association for a referral.  Reduced or free legal aid may be available in some states [more...]

Date: 2009-01-07 07:00:13

My 2008 Discretionary Spending: Progress and Challenges

For nearly three years, I’ve chronicled my adventures as I learn about money management. I’ve dug myself out of debt, quit my job to write full time, and begun to build wealth. But how well do I practice what I preach? For the most part, I follow my own advice. I believe there are two [more...]

Date: 2009-01-12 13:00:06

Personal Finance Tips

by Jim Parker Do you know the best way to financial freedom and wealth? You might be surprised at the simple things you can do to be just like them ... finance. Personal finance includes topics like budgeting, retirement, savings and debt management ... you end up with debt. To gain balance in your personal finances you need to be debt free. This comes [more...]

Date: 2009-01-15 20:01:49

Ask the M-Network: What to do if you’re deep in debt

Last week the M-Network rolled out a new feature:  Ask the M-Network.  This week, we’re going to answer a question about debt from one of my readers ... to know if this is credit card debt or some other debt - there is a big difference. If credit card debt, then you might want to think about going to a consolidation company who can work on your behalf [more...]

Date: 2009-01-14 12:00:07

Personal Bankruptcy and Tough Decisions

by Grace Holt Deciding to file bankruptcy is not an easy decision for most people. Bankruptcies in Florida are no exception ... decision for many You have been taught to pay what you owe. For many walking away form debt becomes ... . Drowning in debt will never produce productive citizens. There is no law that says you cannot pay [more...]

Date: 2009-01-14 09:21:59

Ten for Tuesday (January 13, 2009)

Here’s this week’s Ten for Tuesday. Enjoy! 1. My friend, Lindsay, details how she and her husband are handling allowances. 2 ... , same-as-cash, and no-interest-no-payments. 6. Protect your FICO score as more inactive credit card ... break out the credit cards. 7. The Digerati Life offers up some pointers on preparing for a job [more...]

Date: 2009-01-13 17:39:22

Better Personal Finance Tips

Have you ever wondered why some people seem so financially sound? You might be surprised at the simple things you can do to be just like them ... to personal finance. Personal finance includes focuses like budgeting, retirement, savings and debt management ... people fail to budget and therefore they end up in debt and in financial trouble. People often [more...]

Date: 2009-01-15 10:00:30

How to Become Debt Free using 6 Powerful Tips?

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... Your Credit Card Statements. On the one side, low interest credit cards offer an attractive offer ... one or more of them that consequently lead to a non-desired late in the pay and, therefore, your credit [more...]

Date: 2009-01-15 08:36:59

To Buy or Not To Buy…What’s Your Advice for This AFM Reader?

I received the following email the other day from an AFM reader (summarized from several emails): JLP, Greetings! ... . I can get in the low 500’s, I’m pretty sure. It is a very impressive home. The down payment of $450,000 is nearly ... . I would, however, be debt free. So, I guess a major part of my question is, is a luxury home [more...]

Date: 2009-01-08 05:54:30

Top 17 Reasons Homeowner’s Default On Their Mortgage

Top 17 Reasons Homeowner’s Default On Their Mortgage Posted by Aaron Rice under For Buyers, For Realty Professionals, For Sellers, ... 16. Too much debt 17. Inheritance Most mortgage companies or lenders require the hardship letter ... who contact us on a daily basis to help determine the value of their assets. You can be sure [more...]

Date: 2009-01-15 14:59:13

"Dynamic Scoring"

I was thinking about thinking about this: Dynamic Scoring, by Andy Harless: Suppose that, at the beginning of the fiscal year, Congress appropriates $100 billion extra for infrastructure projects. At the end of the fiscal year, how much higher will the deficit turn out to be, compared to what it otherwise would have been? [more...]

Date: 2009-01-13 08:33:00

That is the one question we are asked every single day.  Homeowners are confused with their options (or in some cases, their lack of options) ... is not doing the same tax relief as the federal government.  You may have a state tax liability ... the entire debt (on your first and second loans [more...]

Date: 2009-01-15 21:07:27

What The Rise And Fall In Housing Has Done

The Ventura County Star reports from California. “Thousands of Ventura County residents were pushed out of their homes last year, and many more were left hanging on by a thread — a situation exacerbated by mounting job losses. In Ventura County, December foreclosure filings surged 37 percent from November and 97 percent from a year ago, [more...]

Date: 2009-01-15 18:16:59

How to Motivate Yourself to Pay Debts

Start the year right with a clean slate which is why I paid all of my credit card dues just last December ... debts to pay off. If you’re in credit card hell. Pay off the ones with smaller debts then get rid ... advice from people who have experienced paying off debts successfully. You can ask your parents, other [more...]

Date: 2009-01-07 10:45:24

What 2 Things Are The Main Reasons Why Credit Card Consolidation Should Be Considered?

Amazon.de Widgets Credit card consolidation is an excellent way to improve credit card debt both by simplifying the management of your debt and the more importantly the amount you will eventually repay.Credit card consolidation will undoubtebly help if you have many credit cards and are starting to lose control of both your repayment schedules and the amount you need to pay to each card provider. [more...]

Date: 2009-09-29 11:41:23

How Do Credit Counselors Help You?

by William Blake It is not unusual for a person to be shouldering much more debt then he actually can handle ... and for some it eventually gets out of hand and impossible to maintain. For those people credit counseling can offer some assistance. What can a credit counselor do for you? A person with a sizeable debt that is hard [more...]

Date: 2009-01-15 10:32:19

Don't Throw in the Towel

Someone from the Cato Institute sent me this with the message "I’ve been reading your blog posts on the Obama stimulus plan, and I wanted to bring this to your attention, something I think you’ll find interesting."  I interpret "interesting" to mean "you are mistaken to think fiscal policy can benefit the economy": Making Work, [more...]

Date: 2009-01-14 08:33:18

Best Personal Finance Articles From The Digerati Life: 2008 Wrap Up

As we await for the year to turn, I thought to do a little wrap up of the stuff we’ve published here in 2008. I realized after I looked through some of these articles that I tend to write novels at times, but if you don’t mind in-depth ramblings, then these posts may be of interest to you [more...]

Date: 2009-01-01 00:00:06

Roundup: Catching Up My Feed Reader Edition

It’s been a while since I hit the feed reader–I mean a long, long while! ... will be the best year for individual savings this decade.”  I can’t help but feel that as soon ... Plan Can you think of 20 things that rock about being debt free?  NCN can!  We are not quite there yet [more...]

Date: 2009-01-04 11:00:15

Credit Card Debt Reduction - What You Must Know

by Ferdinand Mekinsy Reduce credit card debt and eliminate it before it assumes a horrifying shape ” This is truly the crux of the story ... . As we just said, there is a lot of advice available on how to reduce credit card debt and the only thing you need to do is put that advice, on how to reduce credit card debt, to practice in real life. Well [more...]

Date: 2009-01-15 14:51:14

IRS Offers Advice To Cash Strapped Americans

IRS Offers Advice To Cash Strapped Americans Posted by BK Dallas on 15 Jan, 2009 in Tax - Debt Garnishments Taxes, another debt that many Americans are struggling with is often going unpaid as taxpayers struggle ... from these payments, or make estimated payments to avoid a big bill at tax time. Public assistance and food [more...]

Date: 2009-01-15 17:08:01

When Should I Start to Debt Consolidation Firms for Help?

When Should I Start to Debt Consolidation Firms for Help? Financial problems aren’t always the result of poor money management ... the rates of interest on your loans, or credit cards. Some people believe that non-profit debt ... about debt consolidation. Regardless of which firm you seek to obtain credit repair or debt relief [more...]

Date: 2009-01-15 15:31:22

Is Excise Tax Payable on Short Sale Debt Forgiveness?

The Washington State Department of Revenue (DOR) seems to think so.  Background: At an Escrow Association of Washington (EAW) ... where it was announced that when there is a short sale, the DOR considers the debt forgiven ... will be pursuing the home seller for payment of the excise tax. (Reference is a EAW letter dated Nov 25, 2008 [more...]

Date: 2009-01-10 21:36:36

News and Commentary

Children Heavily Represented Among 917 Dead, Say Officialsby Michael Jansen - Irish Times / Common DreamsHealth officials in Gaza said yesterday that the Palestinian death toll since Israel began its offensive against the Strip on December 27th had reached 917 and the number of wounded 4,100 [more...]

Date: 2009-01-14 08:42:00

Is Bank of America the Next “Citi”?

Is Bank of America the Next “Citi”? This morning Bank of America hit a new 52 week low, and traded at its lowest level since 1991 ... that help illustrate why humans make predictably irrational decisions. Ariely is the author ... , and the weaknesses in the credit rating agencies’ collateralized debt obligation (CDO) assumptions [more...]

Date: 2009-01-15 15:42:49

Better Personal Finance

Do you know the best way to financial freedom and wealth? You might be surprised at the simple things you can do to be just like them. The key to stability with your personal finances is successful management of your personal finance. Getting your personal finances in order will allow you to understand how to use your money better and how to keep [more...]

Date: 2009-01-15 15:52:33

Bankruptcy Is Not The End

During economic downturns such as the one we are experiencing, ... of bankruptcy, companies as well have to worry about whether they can keep paying the bills ... having to resort to filing for protection. These companies may also allow you to settle out of court [more...]

Date: 2009-01-15 03:32:03

Girlguiding UK launches series of guides to help 16-18 year olds learn life skills

Forget homemaking and knot-tying, girl guides are being issued with tips on financial matters to help them survive the credit crunch ... to foot the bill for everything you want – or bail you out when you owe money." The advice is included in the first of a series of guides aimed to help 16-18 year olds learn important skills. Money [more...]

Date: 2009-01-05 17:22:01

Useful Advice - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure?

My view on this bill is that it will be a dismal failure ... must be at least 31 percent; * They cannot afford their current loan; * They did not intentionally miss ... program include: * 30-year, fixed rate mortgage; * Maximum 90 percent loan-to-value ratio [more...]

Date: 2009-01-15 16:06:21

Debt Services Made Simple

If you are worried about your finances or feel as though they may get seriously out of control if you don’t take action, ... for a Debt Management Company. Their aim is to help you deal with your debt problems to ensure ... Service One way to control your debt management is through debt consolidation services which [more...]

Date: 2009-01-15 18:24:23

Bad Credit Repair Tips & Advice

When it comes to trying to get a new car or a new house, there is nothing worse than having bad credit ... , there is such a thing as Bad Credit Repair. Starting Off Smart Of course, the best thing to do is to avoid getting ... is now to repair your credit profile so that when you need the help of a loan or credit card [more...]

Date: 2009-01-16 00:22:09

Learn How to Manage Your Money

by Jim Parker Have you ever wondered why some people seem so financially sound? ... , savings and debt management. Personal finance covers everything involving your money, from knowing ... finance. It is common for people fail to budget and therefore they end up in debt and in financial [more...]

Date: 2009-01-15 19:59:28

Credit card conundrum…

So on a completely different note, I need some advice about the dreaded credit card. I’ve never even been vaguely tempted to get a credit card because I like only spending money ... like a Clicks credit card? Any horror or success stories to steer me in the right direction? Help! [more...]

Date: 2009-01-15 11:28:19

Sunday Morning Comin’ Down

Shovel-Ready EditionOn “PreFox/Local Fox” Congressman Danny “Luke, I am…your Congressman!” Davis rolls by to talk a little politics and burnish his “I’m the guy who turned that crazy summbitch down” reputation.(No, so far as anyone knows, Danny Davis not an evil Sith Lord: [more...]

Date: 2009-01-04 19:14:00

Fazzari on Keynesian Economics

Steve Fazzari, of Washington University in St. Louis, talks with EconTalk host Russ Roberts about Keynesian economics ... About this week's guest: Steve Fazzari's Home page "Household Debt in the Consumer Age: Source of Growth ... of Economics. Government Debt and Deficits, by John Seater. Concise Encyclopedia of Economics. John [more...]

Date: 2009-01-12 11:29:25

David Cameron calls for "a more ethical capitalism"

Alas I did not hear Jeremy Vine's show on Radio 2 today, ... by his commitment to support marriage: "We need to do more to help families and support marriage ... . If we don't help couples stay together, if we don't build strong families, then what we get is family [more...]

Date: 2009-01-02 15:08:35

Like a Drug: Suze Orman on Credit Cards

I recently participated in a conference call with Suze Orman, who is working to promote Best Life Week ... that you can’t cut them up as soon as you’re out of credit card debt where you just don’t see them. So my advice to people who were once in credit card debt and now they’ve gotten themselves out of credit card [more...]

Date: 2009-01-06 13:00:49

The Secrets to Entrepreneurship? Or More?

Earlier this week, I stumbled across an October article from Inc. entitled Street Smarts: Secrets of a $110 Million Man ... pay off the full balance. Doing this ensures that you’ll not run up a big debt tab that will be difficult to pay off. Don’t focus on the top line. Gross [more...]

Date: 2009-01-11 14:00:52

Credit and debt consolidation

With the assistance of 3debtconsolidation.com, you can get tips, procedures and great ways on how to consolidate your debts ... consolidation makes your payment simpler by consolidating your money loan, mortgage, credit cards, etc ... lower your bills and lessen the monthly premium. To get free debt consolidation and credit counseling [more...]

Date: 2009-01-15 03:32:04

51 - 100 of 135 Posts
Page: First | < Preceding | Next >
0 | 1 | 2