such a good thing!

Not all the time that you are the person in debt, although most often it is the case ... , as there are lots of Debt Collection agencies willing to help small businesses. So, if you can’ ... is an affordable collection agency. Remember, no matter how small the balances it can create issues [more...]

Date: 2008-11-21 14:55:57

Blog posts (259) | Videos (12)
 

Bill Consolidation, Answer To My Problem

Lately I have been battling with my personal debts, its catching up with me ... , she shared with me a very effective debt settlement scheme. She told me about www.billconsolidation.net, a non-profit, credit counselling agency. She sought their help during the time when she almost filed [more...]

Date: 2008-12-18 02:13:00

Daily Links: Christmas Vacation Edition

Thanks to your fellow Get Rich Slowly readers, I’ve amassed enough guest posts to take a short break ... , debt reduction, and smart personal finance. Before I slip into the background, however, here ... . Kris and I are especially worried about the plumbing in our hundred-year-old house. At The Simple [more...]

Date: 2008-12-17 00:00:50

How does a government create jobs?

One of the predominant promises of the trillion dollar and growing stimulus package demanded by Barack Obama and being developed by Congress is the ... out of it or has secured by taking on debt, is untrue. I see three basic problems with the government creating jobs ... decrease in personal debt load, an increase in cor [more...]

Date: 2009-01-15 22:10:41

We Shopped Less Than Expected, Stocks Drop As Expected

by Colin Lovett, PICurrent Managing Producer So it turns out we were not very happy holiday shoppers in December ... .  Just buying things. So what should we do about this?  Should we shop more?  Go into more personal debt to help the economy? No. This will eventually shake out as businesses become used to less consumer [more...]

Date: 2009-01-14 22:39:04

What is the definition of Debt?

by JR Rooney What is debt? Debt is something that is owed to someone else ... “debt About the Author: Let no debt remain outstanding, contact a Collection Agency or request ... . An individual person or company / business owing a debt is called a debtor. The entity [more...]

Date: 2008-12-01 12:45:27

Loan Packager Expands Service To Debt Management

Over the course of the past few years, many individuals in the UK have built up a significant level of personal debt through things such as credit ... . As a result, many people in this situation have applied for a debt consolidation loan to combine ... service, through their partner company TCF Debt Solutions. Andy Moody of Loan Options said “Consolidati [more...]

Date: 2008-11-25 16:31:11

What Else Did Brownski Need- A SMACK IN THE GOB…10 Folk that predicted the Meltdown…

October 12, 2008 Ten people who predicted the financial meltdown The financial events of recent weeks have filled many of us with shock and panic ... pinned against record levels of personal debt, which is secured, if at all, against house prices ... on the problem of consumer debt?”Mr Brown did not answer how he would solve the problem, merely [more...]

Date: 2009-01-10 10:45:36

Getting out of credit card debt. My story.

As a person who got himself into a large amount of credit card debt at an early age, ... to have amassed a total cumulative credit card balance of over $17,000. I was at a different point ... MasterCards, a Discover card, and several department store credit cards. Living beyond my means [more...]

Date: 2008-12-22 07:42:08

What are the Issues Around Torture?

We were shooting this topic around at work today.  I think there are two separate issues here ... : Torture is a violation of international and American law. It would seem that we (in the person ... toward the national debt. Bush, Cheney, Rice and buddies have to be careful when traveling abroad [more...]

Date: 2009-01-15 05:21:16

Durbin Gets a Clue

Durbin Gets a Clue Posted by HughS Published: January 10, 2009 - 7:40 PM Michael G. Franc at The Corner notes that Senator Dick Durbin ( ... , when taxpayers choose to reduce debt (and personal risk) instead of spending the money we have yet another ... trust a tax cut more than a one time stimulus payment in the same way a politician understands [more...]

Date: 2009-01-11 00:40:56

5 Options to Get Out of Debt

I am the kind of person who is not afraid to take risks and even use credit cards when necessary just to push through with an idea or project I have ... for missing payment whether it is for credit card, direct selling, and anything that has a due date ... the U.S., there are debt consolidation companies can be tapped to help out in managing your payments [more...]

Date: 2008-12-11 11:21:00

Consumerism Commentary posts a Twitterval

Well, kinda:  Flexo over at Consumerism Commentary hosts this week’s Carnival of Debt Reduction with a flurry of Twitter Tips from the personal ... outlines the dos and don’ts of reducing debt The Smarter Wallet asks whether a housing assistance ... a class act. Next week we have No Debt Plan on the docket! [more...]

Date: 2009-01-13 06:09:41

Savings and Investment (2) - Consumers

Artificially low interest rate interest rates cause dislocation in the economy. Households respond by reducing saving and increasing consumption ( ... go up again, personal debt becomes a burden and interest payments take an ever greater share of disposable ... payment of interest. Any surplus not used on interest is not available to fund additional [more...]

Date: 2009-01-15 22:52:00

Personal Finance Troubles? Consider Debt Negotiation

by Dillon Azungen Are you drowning in debt and considering debt negotiation? ... negotiate. They would prefer to negotiate rather than turn your account over to a collection agency ... Debt negotiation has a bad connotation but does it affect your credit that badly? There are pros [more...]

Date: 2008-12-28 22:06:58

Help a Reader Payoff Debt

Last night I got a call from a friend looking for some financial help. He has $14,300 in debt and has a goal to be debt free by November ... Details Here are the details of his debt: Personal Line: $3,500 balance @ 15% - $7,000 limit Credit Card ... Plan When Does the 0% Credit Card Really Expire? The Great Credit Card Debate Continues…. Debt [more...]

Date: 2008-06-24 13:29:39

The Insurance Value of High Home Equity

Awhile back, I talked about how home equity serves as insurance against unexpected costly events, ... welfare payment develop where home-owners cash in on their homes, in boom times: to support children ... home – is a factor in the recent escalation of personal debt. However, these findings also suggest [more...]

Date: 2008-12-11 08:33:00

Keeping Your Student Loans on a Short Leash

Giveaway - you entered yet? Back to School posts from the College Money Network: This Writer’s Wallet: Get an Internship & ... ! Blog carnivals featuring PTY last week: No Debt Plan: Carnival of Personal Finance #165: College ... . (Figure out how to encrypt this file – this is sensitive info!) Run the Calculator [more...]

Date: 2008-08-14 23:50:44

Book Review: Killing Sacred Cows

Carnival of Twenty-Something Finances.  Be sure to check it out.  Next week I’ll be hosting the Carnival of Personal Finance ... One Family’s Debt Roundup Posts I found interesting this week. Wenchypoo’s “why we skip ... his ownership of CNN does influence what we perceive as the “economy”. NCN gives us the lowdown on “debt [more...]

Date: 2008-11-21 03:30:56

Money, Credit, and the Law – Know Your Rights

That’s the title of a valuable new video narrated by Professor Richard Alderman, director of the Center for Consumer Law at the University of Houston Law Center. The video, consisting of easily digestible short chapters, provides help managing personal finances, dealing with credit problems and debt collectors, responding when sued by a creditor, seeking credit counseling, or exploring the option of bankruptcy.  The video can be viewed online or a DVD can be requested directly from Professor [more...]

Date: 2009-09-17 20:50:58

Mapping Your Financial Future: A Guide - Part 2

by Mike Lazear, PIC Current Assistant Producer This is the second of our three-part series on mapping your financial future ... of personal debt, whether it is from a mortgage, a car, credit cards, or all three ... to go about obtaining one: Sallie Mae - Sallie Mae is a trusted loan provider. Their website will answer any [more...]

Date: 2008-10-14 14:00:21

Learn The Art Of Making Money Online Line With Cash Jobs

Need money fast? click here now to find out how the pros do it! A personal loan is money you borrow from a lender for your own private use ... or remodeling, legal bills, and debt consolidation. The average personal loan maximum is $15,000. The amount ... . The lending institution can be a bank, investment broker, or private lending company [more...]

Date: 2009-01-15 15:53:26

Learn The Art Of Making Money Online Line With Cash Jobs

Need money fast? click here now to find out how the pros do it! A personal loan is money you borrow from a lender for your own private use ... or remodeling, legal bills, and debt consolidation. The average personal loan maximum is $15,000. The amount ... . The lending institution can be a bank, investment broker, or private lending company [more...]

Date: 2009-01-08 17:34:13

What if we change our minds?

The day after Obama won might be the day when blacks stopped being so sweet and docile. Didn't feel like being meek, humble or kind ... be a way to 'pay the debt' owed to millions of Black people. We would right the wrongs of the past; we would show the world how progressive we are. I trust the debt has been paid. Personally, I've always [more...]

Date: 2008-11-18 15:30:43

Mortgages: How much can you afford?

The American sub-prime crisis has rippled across the pond so that Britain too is feeling its ill effects ... lenders will try to work out a debt-to-income ratio so that they can work out how much you can afford ... taking on ever increasing levels of personal debt, many of those people were unable to pay back [more...]

Date: 2008-12-03 04:24:04

Managing Debt Wisely

Leading a debt-free life is the best way to provide a secure future for ourselves and our families. Long term debt, when becomes very large, can wreck a persons life. So, it is imperative for everyone to meticulously manage their finances to avoid huge debt payments. It has been proven through research that most people have debt due to their spending habits. So, if there is a need to change our lifestyle to prevent a debt situation in the future, it should be done immediately. [more...]

Date: 2009-09-29 16:41:49

How Facebook Can Get You in Serious Trouble With Bill Collectors

We recently discovered that bill collectors are using popular social networking sites like Facebook and Myspace to dig up very personal information on people in debt . Recently a bill collector from a collection agency purportedly discovered ... collection calls and threats of garnishing wages followed at this individual’s place of employment [more...]

Date: 2008-11-15 01:33:45

debt consolidation and serious talk...

I noticed that my friends, (especially C & J)and I have been talking about serious matters in life ... old and more matured teehee. Anyhow, one of my freinds are looking into applying for a debt consolidation or Personal Loan. Apparently, they need one because her husband would likely be deducted [more...]

Date: 2008-12-10 19:54:00

Sunday Money Roundup - Home Again Edition.

Well, we are in Boston now where we will be for the next 10 days or so. It’s been about 1.5 years since I was home, and it’s nice to finally be back ... her, the one with all the credit card debt, is not her anymore. I have said it before and will say it again - PaidTwice’s journey out of credit card debt is one that every person looking for [more...]

Date: 2008-12-21 14:00:29

Drugs are expensive - Call the WAMBULANCE.

This post is a rebuttal to a post located HERE. I think the post is well written, and I think the blog author is probably a nice person ( ... going into debt or staying sick. I’m sure this is not new news: Prescription drug costs ... from the poor health of our citizens? As a community, shouldn’t we care and pay for our grandparents – [more...]

Date: 2009-01-15 05:27:14

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

Eliminate Debt

We can't deny the fact that our world suffered economic crises nowadays ... own more than one credit card, car payment, mortgage, bills, student loans, personal loans, home ... , lower credit card payments, budgeting debt, stay debt free and many more. It's guaranteed safe [more...]

Date: 2008-11-23 16:25:14

Weighted Average Cost of Capital Doesn't Include Everything

Or: Figures don't lie, but Liars Sure do Figure! We've got a lot of people with loans in the low fives, interest rate wise, ... : $350,000 first at 5.25% $100,000 second at 8.5% $50,000 consumer debt at 12% This person then used ... that there's enough equity in the property to absorb the full amount of excess debt without PMI. Robert [more...]

Date: 2009-01-11 17:50:23

Giving Back Over the Holidays

Personal finance writer Karen Blumenthal writes: ... . While we write a lot in personal finance stories about managing spending, debt, and investments ... , when many people are hurting, the opportunities are plentiful. The payoff is pretty good, too. “We think [more...]

Date: 2008-12-18 16:00:00

Debt Collectors Are Facing Reality

dreamstimefree_17571302 Are debt collectors starting to face reality when it comes to payment of overdue bills? ... percent to 70 percent of a person’s total credit card debt. After many instances of collection abuse ... to cover their bills in a declining economy. The New York Times reported lenders and debt collectors [more...]

Date: 2009-01-15 15:16:33

Growing numbers avoiding or delaying paying tax

Growing numbers of people and businesses are avoiding or delaying paying taxes as the "credit crunch" bites, ... . The auditors estimate that up to 1.5 million working adults had a personal or business tax debt in April ... , introduced risk profiles on taxpayers to target those who could be bad payers and tailored debt collection [more...]

Date: 2008-11-20 08:28:37

Mortgage Rights and Wrongs

Congress has said that they want judges to adjust mortgage debt. On the face of it, this makes sense. After all, when people declare bankruptcy they get their credit card, auto loan, and personal debts adjusted. What makes a mortgage any different? Well, one difference is the law. By law [more...]

Date: 2009-01-14 05:01:08

Daily Links: Moxie Edition

After nearly two weeks of vacation, I’m itching to get back to work. Still, my actual return date isn’t until next Monday ... , Elite Feet (a site for runners) shared the legend of Cliff Young, a 61-year-old farmer who won ... for 2006-09-12Daily Links: Debt Reduction, Stupidity, and Mutual FundsThe Personal Finance HOW-TO Library [more...]

Date: 2008-12-30 01:56:39

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... discharge. Ironically, some those that would not previously qualify for a mortgage do qualify after ... payments. The DTI* (debt-to-income) ratio of this person is 81.25%. Since his credit score is low [more...]

Date: 2009-01-15 00:11:26

Is anyone still reading?

Hi everyone. I know it's been a long time since I've rapped at 'cha. I really don't want blogging to feel like a chore - otherwise, what's the point? ... credit card) paid off by the beginning of March, my Capital One card (which was supposed to be used ... , has been the two hours I've spent on my personal budget. I'm not massively in debt or anything [more...]

Date: 2009-01-10 03:26:00

The Personal-Finance Gift Guide 2008

Last year, in answer to reader questions, I suggested some personal-finance books that make good gifts ... that this is the most crucial stage in a person’s financial life. Begin accumulating debt, and there are years ... , she can acquire some kick-ass wealth relatively early in life. Debt is Slavery by Michael Mihalik [more...]

Date: 2008-12-11 13:00:11

Something Good About America

The daily litany of bad news, which fills the pages of our newspapers, is a constant reminder that we live in a country, ... or “the long war.”), or the downward spiraling of wages, or our personal and public debt [more...]

Date: 2008-11-24 11:58:53

Clinton Derangement Syndrome Watch

For the price of just 15 cups of coffee – at Starbucks – you can help save Hillary Clinton from having to personally pay off her campaign debt, ... into the camera, "It takes a village to bail out wealthy politicians whose dreams were dashed … please help [more...]

Date: 2009-01-13 02:43:59

Have Large Law Firms Met Their Waterloo?

The list of large law firms laying off lawyers and support staff is snowballing ... services. With lower overhead costs, little debt, and more personal client contact, boutique law firms ... , business law, patent attorneys, patent lawyer, registered trademark, trademark registration Related [more...]

Date: 2009-01-14 17:48:33

Stuff does not equal wealth

People often say to me about someone else they know: "He's got a lot of money," or "They're loaded." Does that sound all too familiar? ... , or, what's the nature of that person's personal balance sheet? Are the assets encumbered by debt [more...]

Date: 2008-11-17 15:03:55

Beware of Debt Reduction Advice

In a recessionary period like the one we are experiencing today there is a natural increase in personal financial turmoil ... associated with servicing such debt at very high interest rates, in particular credit card debt ... , the victim’s debt has actually grown. The credit card company has written off the debt resulting [more...]

Date: 2008-12-12 11:00:20

Do Financial Experts Really Help?

There’s really nothing like a poor economy and a tumbling stock market to send people’s financial plans into a tizzy! ... have to say: The Canadian Government Statistics Canada says gas and food prices are eating up a larger portion of our spending money, while CIBC reports household debt in Canada is rising faster than personal [more...]

Date: 2008-08-22 01:56:55

Personal loan to your relief

"Man proposes, God disposes" is a well known statement and one can experience this often. One cannot always plan all his requirements in advance ... you through your medical expenses, vacations and debt consolidations. A personal loan will help you through [more...]

Date: 2009-01-05 08:23:40

Secured Personal Loans - Providing An Extra Edge

In today’s world every one has ambitions every body wants to achieve something or some people have to get something done it may be related to their ... take secured personal loans are: • For business reasons • For debt consolidation • For home ... to finances or the non availability of funds then the perfect solution to your financial needs are secured [more...]

Date: 2009-01-15 11:25:55

My Dollar Plan Month in Review - July 2008

I’m a firm believer in setting goals and making plans to achieve your goals. A great way to work your plan is to monitor it at regular intervals ... for Your Mid Year Checkup 7 Ways to Payoff Credit Card Debt 12 Tips to Prepare Your Finances for Vacation I Quit! Tax Savings: How to Deduct Mileage on Your Personal Car 10 Step Plan for Debt Elimination [more...]

Date: 2008-08-14 13:29:54

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