44 Essential Personal Development Posts from ‘08

2008 has been by far the best year of my life. I have hundreds of stories to tell, ... to Boost Your Brain Power - Litemind How to Be a Man - Steve Pavlina Success by Elimination: Removing ... to Cut Right Now if You’re in Debt - Consumerist 40 Ways to Make Money on the Internet - Dumb Little [more...]

Date: 2008-12-30 12:18:52

Blog posts (490) | Videos (150)
 

bad credit 2nd mortgage

If you are in need of a second mortgage, don’t let bad credit stop you from applying for a loan. Bad credit is a very common problem and lenders have become much more lenient when it comes ... with a bad credit can help you to pay the huge amount of your debt and save extra money for expenditures [more...]

Date: 2009-01-14 04:43:23

Debt Solutions Advisors. Useful Things to Take Into Consideration

If you contact a debt managment company your first point of contact will be what are commonly called in the industry as an ‘advisor’. Like all salesman they have one interest; money. It is not uncommon for advisors at debt solutions companies to earn in excess of 50k a year. These people are multilingual in that they are all able to speak various dialects of bullsh*t. Firstly, get this notion out of your head. There is no way you can solve your debt problems in a day. No way at all. [more...]

Date: 2009-06-17 01:03:56

Private Equity Firms Expected to Show 20-30% Losses for 2008

OK, you gotta help me. Private equity is basically levered equity ... that fell off a cliff, high debt loads, and in many cases, debt maturing in the next year or so. So how ... market levels to take their targets private. They then put massive amounts of debt money [more...]

Date: 2009-01-07 05:01:00

How to pay off your HECS Debt from UNI

Not everyone has the ability to pay their HECS (Higher Education Contribution Scheme) ... ways to live around it whilst paying your debt off quickly and easily. Saving Money on University ... voluntarily you will also receive a $70 bonus payment, reducing your debt by $770. Methods to pay [more...]

Date: 2009-01-15 11:17:25

Tell All Tuesday - Everything’s The Same And Everything Changes

Since we paid off my spouse’s student loan this month, everything else just got the minimum treatment last week.  This week, we haven’t done anything towards paying off debt as far as paying money out directly ... month. I figured out last week that I’d need about $490 above and beyond the snowballed debt payments [more...]

Date: 2008-10-28 19:16:41

10 Steps To Escaping The Paycheck To Paycheck Cycle

For the first fifteen years of my adult life, I lived paycheck to paycheck ... , I realized that I was making enough money to begin my debt reduction. 4. I listed my creditors ... I’ve ever made was to fund this mini-emergency fund.  Twice during my debt reduction process [more...]

Date: 2008-12-04 12:30:30

Time to Celebrate!

I don't have much time to write, but I needed to update to say -- I just got a major promotion and am extremely excited about what that means all ... , I can save quite a bit of money. I paid off my small credit card debt the other day, with my next ... I might have got it right this time. Negotiation for more money was a little awkward (when isn't [more...]

Date: 2009-01-08 09:38:32

Trichet’s Vision Unravels as Investors Shun Italy, Spain Debt

Trichet’s Vision Unravels as Investors Shun Italy, Spain Debt January 16th, 2009 by Money broker By Emma Ross-Thomas Jan. 16 (Bloomberg) -- European Central Bank President Jean-Claude Trichet’s vision of economies converging behind the shield of a shared currency may be unraveling. Read full story Posted in Business [more...]

Date: 2009-01-16 00:37:39

The New Reader’s Guide to Get Rich Slowly

The New Reader’s Guide to Get Rich Slowly Wednesday, 11th June 2008 (by J.D.) ... topics. I share stories about debt elimination, saving money, and practical investing. I also post ... of daily readers. By following my own advice, I’ve managed to ditch my debt and actually begin saving [more...]

Date: 2008-06-17 01:01:04

When You Owe Money to the IRS Tax Debt Relief Can Help

The IRS may offer a settlement deal, or they may agree to a more flexible payment plan Whatever solution you agree to will be the one that you keep Failure to comply with this agreement can result in garnishment and reassessment of penalties and interest [more...]

Date: 2009-09-29 08:10:48

20 Ways to Bring Love and Good Fortune in the New Year

Human beings, by nature, are superstitious. Perhaps because we live--and will always live--in an uncertain world ... is guaranteed. Pay your bills before January 1st as the new year should not begin with debt. Conversely, don’t loan any money or pay loans as you’ll be paying out the rest of the year. The same goes [more...]

Date: 2008-12-31 15:17:43

Saving Money, Even When You Have None to Save

Even as I thought about making the goal of saving  €1500 in 2009, I cringed inside ... just by living? Shouldn’t I be tossing as much money as possible into paying down our debt instead ... , one of the cats, a major household appliance, I would like to know that we could solve the problem without having [more...]

Date: 2009-01-14 11:00:34

Another $500 a person handout?

I thought we tried this last year, and it didn't work ... by many people to pay down debt, rather than spending the money and boosting the economy ... is what we want them to do in order to help the economy (reportedly, only a third of the earlier $300/person [more...]

Date: 2008-12-30 15:40:44

What The Hell Is Leveraging? [Leveraging]

Leverage leverage leverage. Everyone's talking about it, but what does it mean? Basically it's a fancy word for debt, and companies can use that money to go buy more stuff ... securities then you've got a problem. Or, as Paddy Hirsch learns us in his latest whiteboard explainer [more...]

Date: 2008-12-09 23:35:32

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

The “Helicopter Drop” Has Begun

The Fed cut interest rates to effectively 0% today, but that really isn’t important. The problem is that even though money is now ( ... about all the existing debt starting to go bad, so creating new loans doesn’t make sense. Thus comes the “helicopter ... debt and mortgage-backed securities to provide support to the mortgage and housing markets.” [more...]

Date: 2008-12-17 00:03:00

DrumBeat: December 12, 2008

U.S. Northeast Heating-Oil Delinquent Bills Top $100 Million (Bloomberg) -- Heating-oil dealers in the U.S. Northeast have more than $100 million in unpaid bills from residential and business customers after fuel prices rose to a record, a consumer-debt service found. The money is owed by customers [more...]

Date: 2008-12-12 13:55:16

“How to Create Wealth Automatically – Guaranteed!”

Are you sick and tired of? Living in debt? Worrying about your financial future? Not having money at the end of the month? Not being able to spoil yourself whenever you want to? Not enjoying overseas travel? Working for a boss? Having to leave your children in day-care while you fight the traffic and your job? We have a financial solution, whether you want to make a little or a lot of extra cash. [more...]

Date: 2009-09-29 18:24:05

Goldman Sachs and UBS Executives Will Forgo Bonuses

One of my concerns about the original bailout bill was that the money paid to financial institutions would be used to pay for outsized executive ... that it is alright to refuse payment for horrible financial results and I hope more banks follow suit. Thanks ... Money Be Used to Forgive Credit Card Debt?: ... [more...]

Date: 2008-11-17 16:41:38

Canaccord Adams on Four Likeliest Economic Scenarios for 2009

The vast number of one-of-a-kind events experienced recently make the coming year for capital markets very difficult to call. Lending by central banks and the velocity of money supply, massive refinancing of U.S. government debt, inflation or deflation, the direction of the U.S. dollar, an extremely weak consumer [more...]

Date: 2009-01-07 11:17:03

Important News for College Graduates

Attention recent college graduates: starting July 1st, ... loan consolidation program. All borrowers with non-consolidation federal student loans that were ... percent can save big money by refinancing their debt after July 1st of this year [more...]

Date: 2008-06-10 20:30:00

Best Money Posts of the Year

As part of the “best of” series I asked personal finance bloggers to submit their best post and share why they felt it was their best one ... it is a good investment vehicle for military members.” Tough Money Love - The College Student Debt Machine [more...]

Date: 2008-12-31 12:40:51

Will energy show us that inflation and deflation can occur at the same time?

At the beginning of this decade investment advisor Marc Faber told incredulous investors that rising economic prosperity in Asia signalled the ... the investor class are clamoring for short-term government debt, bank deposits and money market accounts [more...]

Date: 2009-01-11 19:30:00

Fair Debt Collection - Know Your Rights!

  FAIR DEBT COLLECTION If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a “debtor ... Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection. Of course, the law does not forgive any legitimate debt you owe.   This brochure [more...]

Date: 2008-12-27 18:39:33

Weird Questions

01.If all the nations in the world are in debt(i am not joking. Even US has got debts), where did all the money go? (weird). 02 ... they remember that they forgot? (can somebody help). 16.Can you blow a balloon up under water? (yes [more...]

Date: 2009-01-15 22:45:55

Folly of relying on corporate banking sector for money supply into society

The following letter by Alistair McConnachie, editor of Prosperity UK was the lead letter in The Scotsman newspaper on Monday 12 January 2009, ... people, in order to provide our economy with new money, demonstrates the reality of our debt-based ... into our society (”So what if nothing works?” 9 Jan).The real solution lies in enabling the Bank of England [more...]

Date: 2009-01-15 14:55:54

Cheap and Easy

Lately I've been bad at lunch. There are several scenarios that fall into this category ... the money for other priorities, like paying off debt, updating our home, going on a date ... that cry straight to the drive-thru line at some McNasty fast food chain. A whopping $6 bucks [more...]

Date: 2009-01-15 01:18:00

innovation = returning to the way things were before the Great Depression

Abolishing the third year of law school is an interesting idea. But, you know what would really save some time and money? ... propose such a thing? A debt-ridden attorney? A bitter law student? No, this tantalizing idea came ... that before the Great Depression there were no bar exams or law degree requirements. Attorneys simply posted [more...]

Date: 2009-01-08 20:00:07

‘I was abused as a child and sexually assaulted as a teenager’, says model outed …

After living the glamorous life of a jetsetting model and celebrity, Sophie Anderton’s fall from grace was something of a shock. And in a new interview she claims that it was childhood abuse that led her to sell her body for money after racking up a serious amount of debt with drug dealers. The former Wonderbra girl has admitted charging wealthy businessmen £15,000 an hour for sex to fuel her drug addiction. [more...]

Date: 2009-09-29 18:00:55

Democrats ignore recent history/reality, continue to spend money we don't have

The Wednesday edition of the Cedar Rapids Gazette shows a picture of Governor Chet Culver and a headline - a snippet from his state of the state ... budget properly.  So now our ignorant of debt Governor proposes borrowing money in the form of issuing [more...]

Date: 2009-01-16 00:08:01

Comic for January 1, 2009

Comic for January 1, 2009 Posted by guestpost as Funny Stuff Comic for January 1, 2009 just to make you smile ... 2007 Personal Finance Blogs I Love Money, Matter, and More Musings Consolidate Debt Directories ... m Recently Divorced and Trapped in an Upside Down Mortgage - Frank Categories Ask Steve Aviation [more...]

Date: 2009-01-02 10:54:41

Should I Declare Bankruptcy?

One of our readers, Alicia, asked: I have one Credit Card debt with a balance of $15,000 can not pay the Min amount they want like 3, ... then to have to file Bankruptcy and they get no money it’s all i can sent (not only Debt i have) should ... of my debt within the next 5 - 7 years? There are two reasons for the 5-7 year question. The first [more...]

Date: 2008-11-19 13:59:48

American Financial Crisis

American Financial Crisis by Mary Bush What started the latest addition of the American Financial Crisis was, Fiat Money, ... is a boon. About the Author: Debt Consolidation Articles ... that government orders you to accept as payment for goods and services. They have their own banks [more...]

Date: 2008-12-27 09:23:08

Fiscal Therapy

Getting the economy back on its feet, giving taxpayers a break, saving your retirement fund and your kid's college tuition? Done ... . Today, more and more of us do not have enough money to live on without going into debt. For each dollar [more...]

Date: 2009-01-12 09:26:00

Debt Consolidation with Free Government Grants? One Scam to Avoid

Have you ever seen a commercial or an ad promising “free government grant money? ... can be used for anything, including debt consolidation , student loans, a yacht or just about any ... s doubtful that you’ll find an organization that’s interested in helping you pay off your Mastercard bill [more...]

Date: 2009-01-14 13:23:22

Financial Freedom over 7 Levels

Financial Freedom over 7 Levels By Stephen Chua • January 15, ... which of the seven levels suit you. 1) Enough money to pay off every single red cent owed ... at least half to charity every year and still live debt free. 5) Have enough money to create [more...]

Date: 2009-01-16 04:29:34

Despite Reports, Nortel Operates as Usual

Reports are circulating that Nortel has declared bankruptcy and pieces will be sold off to foreign firms. Company sources say this is untrue ... from encouraging companies and individuals to take on as much debt as they can to abruptly stopping all financing and debt renegotiation. During the dotcom/telecom bubble, VCs poured money into companies [more...]

Date: 2009-01-14 22:14:40

A short note on a payroll tax "holiday"

By TigerHawk at 1/13/2009 09:13:00 AM Should we immediately pump money into the economy via a payroll tax holiday? ... will save most of the money or use it to pay down debt, rather than spend it or invest it an actual project ... debt. Why will it help (more than a little) to move yet more liabilities on to the federal [more...]

Date: 2009-01-13 14:13:00

Collapse and Ruination from Gluttonous Growth

by The Mogambo Guru I was sitting outside, looking up at the stars, and wondering how many planets circle those billions of twinkling lights, ... for repayment until that day when the collection agency finally decides to just write the whole damned ... it to buy the new government debt so that the government could spend the money to satisfy [more...]

Date: 2008-12-18 19:21:05

Weekend Roundup- The Best of Think Your Way To Wealth 2008 Edition

Another one bites the dust! Another year, that is. I started Think Your Way To Wealth in February of 2008, ... to Money? Use Extreme Measures to Eliminate Your Debt or Increase Savings March 30 Ways To Stretch ... With Your Frugality April Lower Your Medical Bills Through Negotiation, Cost Comparison, and Haggling Lies We Tell [more...]

Date: 2009-01-05 04:19:16

Change The Way You Feel About Money

by William Blake Some people spend and some people save. Why is that? Our attitudes and thinking about money determine our spending habits ... dollars. This type of money attitude can lead to a debt burden too big for you to carry. Childhood [more...]

Date: 2008-10-25 22:33:58

Should I Pay Down My Mortgage FASTER ???

Homeowners who find themselves with extra cash may be considering paying down their mortgage. While this can help some people in certain situations, like seniors close to retirement age ... interest rates, to use extra money to pay down high-interest debt and build up an emergency fund. [more...]

Date: 2009-01-16 02:36:39

More Bank Woes: Spreads on Credit Card Securitizations Rise

It isn't surprising to see spreads on credit card debt on the increase. In fact, it might seem odd that it has taken this long ... recourse, than from their credit card debt (yes, refis as opposed to purchase money mortgages ... feel newly emboldened by the bill to try to extract more from credit card borrowers than they would [more...]

Date: 2008-09-02 23:37:14

Fed bets $800 billion on consumers

That $200 billion aimed at spurring consumer borrowing will come from the Federal Reserve Bank of New York, which will lend that money to holders of securities backed by consumer debt, such as credit card debt. ... He said the fact that the Fed and Treasury had to work together to get an additional $800 [more...]

Date: 2008-11-25 19:04:49

Looking for Materials About Iva – Find them Here

The main function of any debt management company consists in helping a person head and ears in debts or a business that is burdened by debts to get rid of all the debts. It does not intend a debt management company giving an other loan to pay back the debts. Instead of providing the loan and thus creating more debts, such a company negotiates with all the credit lenders aiming on consolidating the debts of a client into one affordable sum of money which can be repaid in monthly installments. [more...]

Date: 2009-09-26 15:18:41

The Fed Seeks Ability To Issue Own Debt

The Fed can't get enough money from the Treasury to fund all their ventures, so what do they do? Simple, they request the authority to issue their own debt. If Congress approves this measure ... . One of the great mysteries of our debt-fueled financial system in general and central banking [more...]

Date: 2008-12-10 20:40:49

How To Get Out Of Debt

Once again: The sure-fire way to get out of debt. A simple solution -- stop borrowing money. Don't buy stuff you cannot afford. Imagine life with no payments to make. This is a content summary [more...]

Date: 2009-01-15 06:15:48

Compare and Select The Best Loan Among Different Loan Types

by Ada Denis Christmas time and the festive period in general is renowned for being a time where we all spend lots and sometimes more money than our ... to consolidate card and other debts but also perhaps to buy a new car, take a holiday, finance a wedding ... the various loan types by going on-line and using one of the many websites on the Internet. [more...]

Date: 2009-01-02 10:04:55

Compare and Select The Best Loan Among Different Loan Types

by Ada Denis Christmas time and the festive period in general is renowned for being a time where we all spend lots and sometimes more money than our ... to consolidate card and other debts but also perhaps to buy a new car, take a holiday, finance a wedding ... the various loan types by going on-line and using one of the many websites on the Internet. [more...]

Date: 2008-12-10 10:41:35

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