Freshpeople: Be Smart About Credit

Freshpeople: Be Smart About Credit Category: Wasting your time The new students have arrived at UC-Berkeley, closely pursued by hordes of credit card marketers. Right by my office is a bank that literally ... get your first credit card from the guy on the street offering you a t-shirt or worthless, plastic (likely lead [more...]

Date: 2008-08-27 13:12:29

Blog posts (111) | Videos (38)
 

How Much House You Can Afford?

More than one reader has emailed me in the last month asking how much house I thought they could afford in our sinking ... with some numbers in DinkyTown.net’s Mortgage Loan Calculator (PITI). Playing with the numbers, I found a monthly payment of $1,286.08 given these assumptions: Mortgage loan amount of $150,000 30 year [more...]

Date: 2008-09-22 16:26:21

Pay Off Your Debts in 2009: 3 Strategies To Being Debt-Free

Today’s post is a guest post By Rachel Karl, a student of MakeMoneyFromWriting.com ... there! 3.    Now comes the third and final task: The debt snowball. Look over all of your credit card bills ... you have three credit cards: “A,” “B,” and “C.” “A” has a balance of $800 with a minimum payment [more...]

Date: 2009-01-09 12:20:36

50 Ways to Save Money for the Cash Strapped Consumer

Times are tough. The stock market had its worst week ever last week and now is the time to make sure that you make it through the rough years bound to be ahead. Try to keep your job. Try not to lose your home. I know that like everyone I've been cutting back considerably recently for our family [more...]

Date: 2008-10-14 20:10:15

CR Retirement Survey: Planning ahead may be just as risky as rewarding

The Press - January 12, 2009 In the wake of big investment losses, ... on entertainment. About one-third have cut their credit card use and spent less on groceries and household goods. “When bad investments happen to good people, they have to work harder to slash debt [more...]

Date: 2009-01-13 22:42:30

Debt Payoff Refinance - Mortgage Rate and Tip For 1-7-09

Real Mortgage Rate and Tip For Today One min. Podcast Ask Terri A Question - Click Here! ... like credit cards or car loans. You can’t use all of your equity. There has to still be 10% equity left in your home or an loan to value of 90%. These used to be very popular right after the holidays to payoff [more...]

Date: 2009-01-07 16:31:45

Free Debt Cures for 2009

Hello and Happy New Year! It’s New Year’s resolution time and one the biggest one is to get out of debt ... in credit card debt because I was always looking for ways to make more money. I’ve found a couple ... that will get you out of debt and relieve you of the financial burdens credit card debt has you in. Get back in control [more...]

Date: 2009-01-01 19:35:30

Get Real with Debt in 2008 Phase 2

Get Real with Debt in 2008 Phase 2 Posted in January 15th, 2009 Category:Debt Relief So you’ve done preparation work as set out in Phase 1, and it’s time for the meeting you scheduled with yourself as part of that process. The tools you’re going to need for this part of your debt reduction plan are: Current credit rating Monthly [more...]

Date: 2009-01-15 17:22:01

The Least Important Bill

Recently, I happened to be leafing through Elizabeth Warren’s worthwhile personal finance book, All Your Worth, ... . Your car payment. Credit card bills. Phone service. Food. Electricity. Internet service. Netflix. Maybe ... s necessities, such as your mortgage, your food, your electric bill, and your car payment. Next, cross [more...]

Date: 2008-09-17 20:00:13

Taking Stock in Coca-Cola (KO):

When you first examine Coca-Cola (KO) there is an immediate emotional response many individuals have to their product(s). Love it or hate it; the products of this company are consumed on a daily basis globally ... % of the global population consuming a minimum of one product sold by the Coca-Cola Company each and every [more...]

Date: 2009-01-10 01:32:43

Advantages of Online Banking

We set aside some time this weekend to pay a visit to our elderly Aunt Jane* and Uncle James ... of various aspects of life like accounting, finances, debt and more. She is content with Uncle James handling [more...]

Date: 2009-01-13 01:38:47

The Bad Credit Hotel Online Game

Are you suffering from too much debt? If so, then maybe you need to spend a night at the Bad Credit Hotel ... inside it? What is a credit score and where is it based? Information about credit counseling ... . It hopes to teach young people about responsible credit card use and educate them regarding debt [more...]

Date: 2008-11-23 18:14:40

Prepping Kids (Part 3)

Essential Money Skill #4: How to manage bills and other paperwork ... a payment on a credit card, being late with a bill payment, or not keeping track of her paperwork ... with him. Create a Student Loan File which includes all student loan information, a projection of how much [more...]

Date: 2009-01-07 11:48:49

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

On Good Debt, Bad Debt and Ugly Debt

You probably heard of it before, the concept of good debt versus bad debt. If not, then I’m excited to tell you about it today ... credit card expense that you don’t pay off immediately. So what’s ugly debt? Here’s the second part ... . Moreover, did you know that there’s also such a thing as ugly debt? I first encountered [more...]

Date: 2008-11-10 12:59:32

Credit care debt solution - eliminate debt with personal loan

Talks is always easier than done, every credit care debt solution will suggest to eliminate your biggest debt first or to consolidate all your debt ... . This is where the personal loan come in. There are tone of ways to allocate the funds you receive under the terms of a personal loan. You may use it eliminate credit card debt. A personal loan offers [more...]

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

Bailout Costs Now $74,000 Per U.S. Household, And Keep On Coming

The bailouts are being rolled out at such an incredible pace now, ... debts and credit card borrowings who, it is hoped, will open their lending books again. For those ... it’s difficult to keep track of them all- and America’s debt is growing by the second. Here’ [more...]

Date: 2008-11-26 07:01:29

Some Suze Surprises

I previously predicted the contents of Suze's new book, after I paid full retail for the previous one ... an online calculator (go to www.bankrate.com) to figure out the base mortgage amount." Then you add 30 ... . I went to bankrate and found the "How Much House Can You Afford" calculator. I'm not sure how I'm [more...]

Date: 2009-01-09 01:14:25

Make Good Use of a Retirement Planning Calculator

by Michael Geoffrey Calculating your necessities during retirement can be much easier with a retirement planning calculator ... . Early in their careers people should find a good retirement planning calculator, and they should ... one for you. Of course the retirement planning calculator will only be useful if the information [more...]

Date: 2009-01-02 18:39:49

The Student Debt Dilemma

mediocre student, so I can understand why I wasn't accepted there; but the other school that rejected me was a huge state school. I always wondered why some of my classmates got into that school and I didn't - we didn't have particularly different grades or recommendations [more...]

Date: 2009-01-08 06:59:00

Silence Your Money Worries And Relax:

By Carole Fogarty Editor of  Rejuvenation Lounge and facilitator of Women’s Rejuvenation Retreats: Rejuvenate Your Habits: ... Worries: If you are keen like me, to uncomplicate your life this year, eliminate debt and silence ... Habits War On Debt Calendar For 2009:  Click on the link war on debt (in the left column [more...]

Date: 2009-01-08 01:39:33

How To Get A Good Consolidation Loan

If you have debt that has become unmanageable, you might need to check into consolidation loans ... you were paying and pay more towards the principle instead. If you have one credit card with a ten ... you. Quicken has a good program for figuring out savings and payments. By consolidating the debt [more...]

Date: 2009-01-12 21:34:52

How to Save $419.50 in Less Than One Hour

By Dayana Yochim and Ellen Bowman January 9, 2009 | Comments (6)Today we wrap up the first week of our Fiscal Fitness '09 challenge. In just five days, we've dished out money-saving strategies that add up to as much as $419.50.How did we rack up that amount? [more...]

Date: 2009-01-13 22:13:00

Free Guidebook to A Few Tips To Improve Your Credit Score

Your credit rating can be your most valuable asset or your most annoying hindrance. The fact still stands that you can not live comfortably without having a good credit score. There is no way to avoid the issues of your credit score, one way or another your credit score report will become a topic of discussion [more...]

Date: 2009-01-08 23:50:54

Simple Ways to Keep More of Your Money in 2009

This is a guest post from Trisha Wagner. Please take a minute to check out her bio at the end of this article. Did the state of the economy last year leave you wondering what 2009 might have in store for your finances? Are you, like the rest of the world, [more...]

Date: 2009-01-08 09:00:36

FDIC Insurance Coverage: Limits and Strategies

recent history of bank failures in the United States. Unfortunately, just over a week later, the graphic that I put together is already out of date… Just yesterday, the FDIC announced that two more banks failed: The 28 branches of 1st National Bank of Nevada and First Heritage Bank N.A [more...]

Date: 2008-07-24 10:06:53

Free Daily Horoscope Readings for January 13th 2009

Aries The Ram Daily Love Horoscope Reading: Astronomical horoscope signs for today have certifed the prediction of a horoscope love match with Cancer The Crab Daily Karma Reading: The karma calculator of the celestial mirror testifies a karmic debt will be repaid soon Psychic Single Card Tarot Reading: The Sun - Have confidence [more...]

Date: 2009-01-12 23:00:25

How would a behavioral economist look at the sub-prime mortgage crisis?

How would a behavioral economist look at the sub-prime mortgage crisis in any way that is different from a rational economist? ... the interest and use the rest of the money to pay other expenses such as credit card debt, or health ... calculator the maximum amount that they could borrow and not the optimal amount that they should [more...]

Date: 2008-10-15 16:14:37

Taking Stock in Coca-Cola (KO):

This is a guest post from Brad, who maintains http://www.nurseb911.com/ and http://www.dividendsanonymous.com/ ... have to their product(s). Love it or hate it; the products of this company are consumed on a daily basis globally ... of 25% of the global population consuming a minimum of one product sold by the Coca-Cola Company each [more...]

Date: 2009-01-12 13:30:00

Best Guidebook to A Few Tricks To Raise Your Credit Score

Raise Your Credit Score Your beacon report can be your most prize possession or your most annoying hindrance. The fact still stands that you can not live comfortably without having a good credit score. The is no way to avoid the issues of your credit score, one way or another your credit score report will become a topic of discussion [more...]

Date: 2009-01-13 14:14:02

How To Calculate and Track Your Net Worth

Recently, I made the decision to start tracking my personal net worth and financial status in a very public and revealing way - by posting my financial numbers online for all to see. The point of doing this was not to boast, demonstrate some fanciful financial bravado, [more...]

Date: 2008-10-30 03:45:48

Three Random Stories (and Personal Finance Links)

I thought about not posting the last two stories, but I figured they were entertaining and the kind of thing that I would to read if I were someone else. Not too much personal finance after the first story, so if that’s your interest, just jump straight down to the links and enjoy [more...]

Date: 2008-12-15 20:07:25

5 Expenses You Can’t Afford If You Have Credit Card Debt

You need to cut down your monthly expenses and live frugally if you ever want to get out of debt ... to a low interest credit card or apply for a debt consolidation loan If you still doubt in what I say ... . Let’s assume you have a $20,000 in credit card debt and you current minimum payment is around [more...]

Date: 2009-01-13 20:52:59

Retirement Calculators - What Can They Tell You?

Retirement Calculators - What Can They Tell You? Posted By William Blake on @ 1:46 pm by William Blake Most people are interested in what situation they will be in when they retire. Everyone has an idea of how they would like their life to be. If you input what you are currently putting away for your retirement into a retirement calculator [more...]

Date: 2009-01-14 07:38:07

Mortgage Calculator - How to Calculate Your Monthly Mortgage Payment

Just starting to shop for a new home? Do you want to know how to figure what your monthly payment would be based on a certain priced home? ... balance and add your credit card and / or other debt balances together then calculate a payment and compare this payment to your current home loan, credit card, and / or other debt payments [more...]

Date: 2009-01-12 00:15:04

Millions Saved on Smart Balance Transfers

Millions Saved on Smart Balance Transfers Posted in Balance Transfers Since I started Smart Balance Transfers in the summer of 2007, more than 14, ... from a credit card with a 14% interest rate.  Using this number, Smart Balance Transfers has helped ... about credit cards. In 2009, I hope to continue helping people save money.  Credit card companies [more...]

Date: 2009-01-12 21:40:24

Tell All Tuesday: Options Edition

As far as debt goes, nothing has changed since last week ... the minimum payments on my student loan and the car loan (like I have been doing all along) but next ... , that leaves $437.59 to allocate to one of those debts above its actual minimum. The car loan next [more...]

Date: 2008-10-14 19:10:15

How The State of The Economy Has Affected My Financial Goals

I’ve had to rework some of my financial goals to adjust to the current state of the economy. ... to our retirement funds. Debt: I’d like to pay off my car loan by July 31, 2008. It would be great to retire my car loan before I need to start paying off my student loans. My Current Financial Goals [more...]

Date: 2008-10-17 14:00:34

Organizing and Keeping Financial Records and Personal Documents: How and Why

If you want to take control of your financial life, ... license, passport, etc. Billing statements for your utilities, credit cards and other monthly expenses ... . A ledger of your expenses which also includes debt and loans documentation and a summary [more...]

Date: 2009-01-02 21:22:37

How We Feed Our Family of Four on $100 a Week

Kathryn and her family live in Ontario where she and her husband work for a non-profit charity and have a combined household variable income of ... it is to reduce their debt, increase their savings and learn to live within their means with simple [more...]

Date: 2009-01-05 11:30:42

SmartAboutMoney.org - Taking Control of your finances

SmartAboutMoney.org is a website dedicated to helping you get a grasp on your finances ... Tags: smartaboutmoney.org,credit control,debt management,credit decisions,credit counseling,retirement income planning,what is a good credit score,get out of debt plan,free household budget worksheets [more...]

Date: 2009-01-02 17:21:20

Free HPK (High Paying Keywords) for AdSense

Googling for the topic of this post can have you looking through subscription and pay sites all day - but we managed to find an actual free list of ... school loan consolidation $76.54 college loan consolidation $74.93 car insurance quotes $74.78 auto insurance quotes $74.23 school consolidation $71.71 consolidation college $67.42 consolidation [more...]

Date: 2009-01-06 13:12:02

How To Effectively Shop for A Real Estate Mortgage Loan

This is a little harder than shopping for buyer's agents, so congress critters might not be able to do it ... a debt to income ratio and subtract from that your current monthly obligations, to arrive [more...]

Date: 2008-10-03 13:53:54

Unbiased Road Map to A Couple Methods To Raise Your Credit Score

Your beacon report can be your most prize possession or your most annoying hindrance. The fact still stands that you can not live comfortably without having a good credit score. The is no way to avoid the issues of your credit score, one way or another your credit score report [more...]

Date: 2009-01-13 12:35:01

The Carnival of Smarter Investing # 21

Welcome to the Twenty First Edition of The Carnival of Smarter Investing! We're back with our November edition of CoSI, so sit back, relax, and enjoy this supersized gathering of featured articles by investors and writers in the areas of business and real estate [more...]

Date: 2009-01-13 22:06:06

Unbiased Guide to Debt Collectors And Collection Agency Have To Abide By Fair Debt Collection Practices Act

Debt Collectors and the Collection agencies they work for can be held liable by the Federal Trade Commission (FTC) for violating the Fair Debt Collection Practices Act (FDCPA). Debt collection companies can be ordered to pay high fines for violations. Violations such as debt collectors misleading, threatening [more...]

Date: 2009-01-05 07:18:26

Credit Card Debt Consolidation Counseling

Credit Card Debt Consolidation Counseling January 14, 2009 at 1:30 pm · Filed under Credit Card Consolidation div style=’float: right; width: ... the best debt consolidation program. Reputed credit card debt consolidation counseling agencies also ... card debt consolidation counseling is a professional counseling provided by organizations which help [more...]

Date: 2009-01-14 18:30:40

[IMG credit card money statements calculator]

credit card money statements calculator Why have credit card firms refused me? Ask an expert: I want to transfer my £7,000 credit card debt to one offering a 0% balance transfer deal. Although my credit rating is good, I keep being rejected ... CUT THE COST [more...]

Date: 2008-10-09 11:59:29

Debt Consolidation Lenders - How Can Lenders Help You Reduce Debts?

Lenders can help you reduce your debts through lower rates and smaller payments. Turning in your high interest credit card accounts for a low interest equity or personal loan ... fit your budget. Turning In High Rates For Low Rates Unsecured credit cards are well-known [more...]

Date: 2009-01-12 08:14:29

Top 5 Tips On How To Create A Home Budget

Create A Home Budget Why learn how to make a home budget? ... , or an emergency fund, or debt so take the first steps to create a home budget. I Heart my Apart take two. Image by taggle burman via Flickr If you have debt, particularly credit card debt [more...]

Date: 2009-01-09 02:00:25

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