Reinventing America

America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]

Date: 2009-01-13 09:40:59

Blog posts (174) | Videos (222)
 

Will 0% Apr Credit Cards Eliminate My Credit Card Debt?

Amazon.de Widgets 0% Apr credit cards will indeed eliminate credit card debt, but only if used to their best potential. Consolidation of high interest credit cards and a willingness to pay off as much of your credit card debt as quickly as possible will reap the greatest rewards.It is undeniable that credit cards are an extremely useful tool in today’s hectic society. A credit card enables you to purchase anything you want without having to carry money with you. [more...]

Date: 2009-09-27 19:06:23

Save Money by Using a Debt Consolidation Loan

Amazon.de Widgets If you are suffering from expensive credit card debt that is difficult to keep under control would it be worth considering a debt consolidation loan as a viable alternative? The simple math would suggest it is.It seems as if you cannot turn on the television or the radio nowadays without seeing or hearing advertisers promoting debt consolidation loans and products. [more...]

Date: 2009-09-25 15:20:16

Six Simple Steps to Avoid Credit Problems in a Bad Economy

The New York Times ran a story today that says the next consumer crisis is credit cards — a sobering fact in a nation that has racked up massive amounts of credit card debt. Unfortunately, when times get hard, many people turn to credit cards ... TVs, but about necessities like medical bills. As a result, I dug myself deep into debt [more...]

Date: 2008-10-29 23:20:31

Credit Repair Can Make Your Life Stress Free

by Dina Salinas Having bad credit can be a nightmare for most, because we live in a world that is fast-paced, costly, and always requires credit. It goes without saying, credit repair can make your life simpler if you’ve had some problems with your credit. The manner in which you use the available credit at your disposal is plain for creditors to see when they check your credit score. [more...]

Date: 2009-09-27 18:18:14

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

What Debt Consolidation Information Can Be Trusted?

Amazon.de Widgets Debt consolidation information can be conflicting, this could be because many companies are in it for themselves and will tell you one thing and others, are there to give you the best deal and assistance they can. But which are which?Debt Consolidation Information can be overpowering initially, especially if your knowledge of financial products is limited. [more...]

Date: 2009-09-28 11:08:25

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

152nd Carnival of Debt Reduction

Welcome one and all to the 152nd Edition of the Carnival of Debt Reduction! I got a ton of submissions when I was worried about getting none ... the question every future parents considers in Should We Pay Off Credit Card Debt Before Having a Baby ... to choose their own debt payoff strategy in Figuring Out Your Financial Style 3: Debt Reduction [more...]

Date: 2008-08-11 13:00:20

Can You Survive on One Income?

People are losing their jobs left, right and centre. I’ve been overwhelmed with the letters from people who have recently been pounced on by the Unemployment Monster. And even people who still have a job have watched pieces of their income evaporate through pay-cuts or cuts in hours worked. Corporate North America is cutting back and Joanna Average is feeling the bite. [more...]

Date: 2009-09-28 09:45:34

Gates of Vienna News Feed 10/5/2008

USABailout Bill Loops in Green Tech, IRS SnoopingCrowds Again Gather to Pray Before Image in WindowElection Precinct in Islamic Center That Hosted Extremist’s VisitMilitant Obama Youth March to ‘Alpha, Omega’ ChantN.Y. Times Whitewashes Obama-Ayers ConnectionRacism Without Racists Europe and the EUExtradition Bid Raises Fears of ‘Thought Crime’ [more...]

Date: 2008-10-06 00:49:00

Believe It, YOU Can Be DEBT Free

Yes, I hear you asking, “HOW is it possible to be debt free”? Fair questions require answers that make sense ... mortgage payment, water bill, credit cards, etc. can cause serious problems. As you know, banks and credit card firms have huge fees waiting to hit us between the eyes if we are late with a payment [more...]

Date: 2009-01-10 00:34:38

Arrange Your Own Debt Consolidation and Save Money

Amazon.de Widgets Debt consolidation companies can and have provided excellent services to thousands who have had severe credit card debt and who were suffering financial problems as a result. However, these services are not free and also many people don’t like the idea of handing over their personal information to these companies. The solution: DIY debt consolidation. [more...]

Date: 2009-09-25 15:43:00

Second Economic Stimulus Check: Obama’s Economic Plan

The ink hasn’t even dried on the first economic stimulus checks mailed out last month and this month and there’s already talk of another stimulus ... , as well as debt relief for students. It’s the first economic salvo fired by Democratic Presidential ... Foreclosure Prevention Fund (which would include a credit of 10% of their mortgage interest payment [more...]

Date: 2008-06-11 22:09:01

Farewell Countrywide: How The Bank of America Merger Will Keep Wells Fargo As The Mortgage Origination Leader

WARNING!  Long commentary about the Bank of America/ Countrywide merger ahead: Bank of America Press Release from July 1, 2008 (italicized) ... with deposits and credit cards,” said Bank of America Chairman and Chief Executive Officer Kenneth ... and a broad distribution network that will offer more ways to meet our customers’ credit needs.” BA [more...]

Date: 2008-07-02 19:19:14

Ask Madison: Reader Mail Volume 2

One of my favorite parts about My Dollar Plan is getting to hear from you ... a credit card in 2006 and now the IRS is stating that we owe them $755 in taxes, how is this possible ... to do so. Since when is paying a credit card off become taxable? Can you tell me what we need to do to straighten [more...]

Date: 2008-09-30 14:32:31

How To Consolidate Your Debt

Amazon.de Widgets Many people are now looking at how to consolidate their debt in an attempt to improve their financial situations. Debt consolidation provides immediate relief to people suffering from debt related stress and anxiety but is only part of the process f dealing with personal debt.Many people are looking at how to consolidate debt in an attempt to improve a poor financial situation, and quite rightly too. [more...]

Date: 2009-09-28 11:04:32

Legal Helpers vs Transforming Debt Into Wealth Course - A review of two popular debt elimination programs

Transforming Debt Into Wealth Review A person deep in difficult financial situation and is desperate for a solution tends to grab the first ... elimination. In his program called “Transforming Debt Into Wealth” he will teach you to focus ... their exclusive services to help people get out of their debt.  Depending on the type and amount of debt [more...]

Date: 2009-01-15 07:35:31

What Happened to Your Credit?

During a recent interview, I was asked if the credit crisis has had any affect on our credit card arbitrage. I hadn’t even thought about it because so far, it hasn’t. Of course that could always change with one trip to the mailbox! I thought about many of the different angles that I have dealt with credit card companies in the last few months [more...]

Date: 2008-10-28 13:39:23

How I Paid Off $35,000 in Debt, and How You Can Too

Editor’s note: This is a guest post from J.D. Roth, who writes about saving and investing at Get Rich Slowly ... me), debt elimination involves three main steps: Stop acquiring new debt. Establish an emergency fund ... . Last December, after twenty years of owing money, I finally paid off all of my debt (except [more...]

Date: 2008-06-22 23:39:40

Carnival of Pecuniary Delights #25 – Stephen Covey Edition

W elcome to the 25th edition of the Carnival of Pecuniary Delights . I’m delighted to be hosting this week! I’ve participated in the carnival since its inception and have big shoes to fill when it comes to hosting. If this is your first time at Fiscal Fizzle , here’s a warm welcome to the community. Please consider subscribing before you head out. [more...]

Date: 2009-09-24 11:30:50

Tell All Tuesday: Figuring It Out Edition

My finances are a mess on paper right now.  Nothing we can’t recover from and move forward from, ... just for debt elimination - my income.  We are getting closer and closer to the point that we can pay ... (taekwondo, tutoring, and this blog) is going to be able to go towards debt elimination vs Christmas [more...]

Date: 2008-12-09 20:48:11

5 Fixes for Financial Woes Get Out of Debt Fast

This year we are not in a good shape when we talk about financial status. We expect too much of our farm crop ... and every debt. Include the debtor’s name, the amount of the debt, the interest rate, and the minimum ... . Put “bad” debts, such as unpaid high-interest credit card balances and payday loans – cash loans [more...]

Date: 2008-12-10 04:04:12

Tips for Making Your Personal Finance Resolutions Stick- Turn Your Resolutions into Habits

Besides losing weight, getting your finances into shape is probably one of the most popular New Year’s Resolutions every year ... to it. With your finances, a goal such as “pay off $10,000 credit card debt” is much more specific and actionable than just “reduce my debt”. Make your resolutions specific goals Instead of “save more money” [more...]

Date: 2009-01-07 11:50:05

Tell All Tuesday ~ The 49.99% Edition

As I write this, it is still barely Tuesday, although it’ll already be Wednesday by the time most of you read it ... I earn solely to debt elimination, and come closer and closer to actually being able to live ... payment to my spouse’s student loan, to bring our percent of total debt eliminated since June [more...]

Date: 2008-07-16 03:05:20

What Are the Services Provided by Debt Settlement Companies

Debt settlement companies are dealing with debt reduction and debt negotiation. They operate with a simple principle. They assist their clients to negotiate settlement with the creditors on behalf of the clients but in return, their clients have to pay back part of the benefits to the companies. A good service provider is able to use professional tactics to reduce their clients’ debts with lower interest rates. [more...]

Date: 2009-09-25 07:16:38

How President Elect Obama’s Administration Will Affect Your Finances

Yesterday’s historic election ended in a landslide victory for Barack Obama and the Democratic party. Our country’s economy is going through a rough patch right now, and President Elect Obama’s administration has a lot of work cut out for them. Regardless of who you voted for, the new administration’s fiscal policies will affect everyone [more...]

Date: 2008-11-05 12:21:21

Reflecting On Goals For 2008 and Moving On To 2009

Last year, all the goals I set were based on debt elimination and how much per month we could pay to debt ... s student loan under $5500 (snowball calculator says $5847) I more than met both these goals ... in October, and then paid off our remaining car loan in November.  The only non-mortgage debt we have left [more...]

Date: 2009-01-02 14:25:07

Reining in Harmful Credit Card Practices

By Karen Harris,  Supervising Attorney Medical emergencies, unexpected events, job loss, ... risk” consumer’s ability to pay off credit card debt may be exacerbated by the likelihood of unexpected ... or other credit card debts pay higher interest rates or have other penalties or restrictions placed [more...]

Date: 2009-01-09 18:20:42

How To Shop For A Legitimate Non-Profit Credit Counseling Service

How To Shop For A Legitimate Non-Profit Credit Counseling Service Posted in January 12th, 2009 by Mara Reid Rogers in Saving Money ... if they have an in-house program to help you put into place a debt-reduction program with more affordable ... know the subject of this article is not for-profit debt elimination, debt-management or [more...]

Date: 2009-01-12 20:29:53

McKinney asks: Where’s Kenny Rogers when you need him?

In a message sent to supporters today, Cynthia McKinney points to her 14 point plan to address economy, the risk that the 2008 election will be stolen, the failure of the Democrats to push for meaningful change, and more. So…where does Kenny Rogers fit in this story? Hit the headline to find out! “Where’s Kenny Rogers When You Need Him? [more...]

Date: 2008-10-06 23:25:32

The Golden Money List: Hundreds of Tips for Turning Your Financial Life Around

Ever since I got out of debt, I haven’t written much about personal finances, simply because it’s not one of the main focuses in my life ... Debt Elimination Tips The 12-Step Get-Out-of-Debt Program Fiscal Fitness: Eliminate Debt with 10 ... . Still, I’ve written a lot about finances in the past — frugality, debt reduction, budgeting [more...]

Date: 2008-07-09 01:12:27

Non Profit Debt Consolidation Service

Non Profit Debt Consolidation Service Believing that you can control your credit card debt is a beautiful dream that can turn into a horrible ... and will draw an effective debt elimination plan to help you along the way.The service fee is also present ... nightmare if you’re not careful enough.That’s why it’s recommended that you ask a credit card debt [more...]

Date: 2009-01-09 07:59:15

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

A Guide to Debt Elimination:Deudas

What is debt elimination? Debt elimination is the process of getting your outstanding debts under control and then avoiding getting into debt in the ... , housing and credit card debt crisis, a lot of financial companies in the country are offering different ... future. If you are in debt right now then you should know that it is really destroying your [more...]

Date: 2009-01-11 17:45:18

The Twenty-Something Finances Blog Carnival

For those of you who may not know, a blog carnival is a collection of posts all relating to a specific topic, in this case Twenty-Something finances ... at CreditShout. apply4-credit presents Tips for Negotiating a Credit Card Payoff posted at Credit Card ... Credit Card Bill of Rights Passes posted at Lazy Man and Money. Debt Freedom Fighter presents [more...]

Date: 2009-01-13 05:59:59

Carnival of Debt Reduction, Thanksgiving Week Edition

This Thursday is Thanksgiving in the United States. If you’re traveling, please do so safely ... with a quickie on how not to abuse your credit cards. Destroy Debt lists over six dozen ways ... have to use your credit card for things. Debt Free Destiny asks how freely your cash is flowing. Credit Card [more...]

Date: 2008-11-24 07:42:18

POWER DOWN YOUR DEBT (7)

But what about the discipline it will take to stop reckless spending and eliminate debt? Most people are successful at some sort of orderly approach to paying off debt, and are usually vigilant enough to stick to that system until at least one debt is paid off. But minus a full Power [more...]

Date: 2009-01-15 11:08:55

Debt Fraud is Real: What you Should Know

Recent statistics have shown that millions of consumers are affected by debt fraud each year, ... the identity of the debt collection agency. They do not consider the possibility that the whole thing ... with debt scams becoming increasingly common among younger generations. The truth is that people [more...]

Date: 2009-01-16 00:24:21

The Big Debate #4: Pay Off Debt or Save for Retirement?

This week, The Simple Dollar is taking a deeper look at five common personal finance debates ... , this revelation is coupled with an astounding debt load - quite often, they list their debts, and they add ... hacking away at all this debt, or should I start socking my cash away for retirement? It’ [more...]

Date: 2008-08-14 20:00:04

Is Your Credit Application Affected By Your Job?

The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... to a new credit card company to avoid increased interest rates or to consolidate card balances, make ... for and obtain. Now, the application process of a new credit card is much less guaranteed. For many [more...]

Date: 2008-12-01 14:29:30

Financial Management Course:Deudas

What is debt elimination? Debt elimination is the process of getting your outstanding debts under control and then avoiding getting into debt in the future. If you are in debt right now then you should know that it is really destroying your future ... get into debt in the first place, but since this is basically unavoidable in some cases, the [more...]

Date: 2009-01-09 14:13:45

President Kennedy's 'Tax Fairness' vs. Obama & Biden's Neighborly Tax Patriotism

Before we start, let me ask you, who do you think of when I ask you to name the greatest Democratic leader of the past 50 years?Yep, me too. John F. Kennedy...A Democrat that Americans have idolized and whom the media has compared to Barack Obama. But just how similar were these two men on policy positions [more...]

Date: 2008-09-19 10:01:00

Carnival of Money Stories Edition #92

My favorite blog carnival is the Carnival of Money Stories.  Everyone loves a great story and I love reading the different stories people have about their money situations.  Some are sad, some make me a bit angry, some make me feel a little better about the “dumb decisions” I’ve made in the past, and most just give you hope [more...]

Date: 2009-01-06 11:56:57

Achieve Debt Elimination In Five Simple Steps

Over the last several years, millions of individuals across the nation have found themselves accumulating significant amounts of debt.  Debt elimination has become more difficult over the years because many creditors have found ... to ensure that these individuals continue to owe the creditors money.  Achieving debt elimination [more...]

Date: 2009-01-07 02:52:49

A Loophole for Medical Bankruptcy

In 2005, special interest groups pushed for, and obtained, ... for. But if you buy too much crap with your credit card, you’re on the hook, pal.What will happen bankruptcy laws ... and high debt loads? You connect the dots. I’m beginning to see where this whole “medical credit [more...]

Date: 2009-01-08 14:19:51

Debt Reduction or Debt Elimination- Do the Words You Use Make A Difference?

If you’ve read Think Your Way To Wealth for any period of time, you’ve probably noticed that I use Debt Reduction and Debt  Elimination fairly interchangeably ... or Debt Elimination.  Now, I am not going to pull out Webster’s Dictionary here, but in my mind I find [more...]

Date: 2009-01-08 01:37:26

Carnival of Debt Reduction: Tips via Twitter Edition

Welcome to the Carnival of Debt Reduction, a traveling weekly roundup of the best articles in the blogosphere covering credit cards, consumer debt, mortgages, and the elimination thereof. Here is more information about the Carnival of Debt ... to be featured in today’s Carnival of Debt Reduction. What follows is the best of those submissions [more...]

Date: 2009-01-12 13:00:59

Ensuring a Good Interest Rate with On-Time Payments

Who hasn’t drooled a little over the prospect of a 0% interest rate on a new credit card? ... with 0% interest is a common way people have found to pay off credit card debt faster. Pay On-Time ... A credit card may not be a sensible choice for everyone but for those who qualify, there are a lot [more...]

Date: 2008-07-14 13:29:11

Sunday Morning Link Love ~ Carnival Love Edition

I never expected a post about drinking tap water vs filtered water to garner so much discussion and so many comments, but it did and I am very happy about it.  It seems there is a wide variety of experiences out there, from tap only to bottled only and everything inbetween [more...]

Date: 2008-07-20 14:30:06

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