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

Blog posts (142) | Videos (27)
 

Pay Me My Money Down

Pay Me My Money Down—Bruce Springsteen In a healthy real estate market, people only take on as much debt as they can afford, and they work to pay it off as quickly as possible. Debt is something to be retired not endlessly ... ways: Speculation. Inflation. Debt Retirement. Types of Equity A truth that everyone [more...]

Date: 2009-01-08 20:30:56

Money Hacks Carnival #39

Looks like another another miscue in the Carnival Land ... for your participation. carnival Photo by Meagen via Flickr Credit and Debt Five Ways to Help You Quickly Eliminate Credit Card Debt posted at CreditShout. Should You Pay a Debt Consolidation [more...]

Date: 2008-11-20 03:25:15

What Would Happen if You Get Into Financial Trouble

With new technology constantly coming onto the market, the prices of everything rising, and the introduction of more and more credit cards, it is very easy to understand why an increasing number of people are finding themselves in debt. Personal bankruptcy is at all time high because now people are having problems paying for their homes. However, individuals who see quickly that they have a debt problem then there is help available. [more...]

Date: 2009-09-25 09:05:07

Don’t Let Debt Become a Burden on Your Life

Many of us enjoy using credit cards. It sure does make life a lot simpler when buying something ... want to consider unsecured consolidation loans to help with the burden of credit card debt ... . The trouble with credit cards is that you have to pay off the debt quickly or interest rates [more...]

Date: 2008-12-23 20:16:38

Deep Thought

The fact that more than two and a half million jobs were lost in 2008 proves that upper-class tax cuts are great economic policy. And thank God we took the advice of the great Alan Greenspan and didn't pay down the debt too quickly; that was always a serious risk and we sure couldn't use that money now. [more...]

Date: 2009-01-09 16:48:00

POWER DOWN YOUR DEBT (5)

A Systematic Approach to Paying Off Debt We have painted a fairly bleak picture of the debt problem in the United States, ... . When you learn how to “Power Down” debt, you will be able to eliminate compound interest much more quickly ... at the top of their list. You will notice on the report that the first debt listed is a VISA credit [more...]

Date: 2009-01-13 10:52:20

Home Improvement & Marketing To Survive The Recession

The global economic situation is not that fantastic at the moment but how can you make things better for yourself ... , it might be worth trying paying off large amounts to clear your debt more quickly. If you already own ... or for the good of your home and family. Simple rules like minimising the amount of debt [more...]

Date: 2009-01-14 19:48:12

Debt Relief Tips

by Eric Jilson Debt is often one of the largest expenses people may have. Paying off a debt should always be of a higher priority than savings and investments. It makes perfect sense that reducing debt quickly will result in a better return to consumers than putting [more...]

Date: 2008-11-30 22:20:05

Getting Out of Debt Now and Improve Your Credit Rating

by Eric Jilson Debt is often one of the largest expenses people may have. Paying off a debt should always be of a higher priority than savings and investments. It makes perfect sense that reducing debt quickly will result in a better return to consumers than putting [more...]

Date: 2008-11-24 22:25:53

Debt Settlement, Bankruptcy and Credit Ratings

by Eric Jilson Debt is often one of the largest expenses people may have. Paying off a debt should always be of a higher priority than savings and investments. It makes perfect sense that reducing debt quickly will result in a better return to consumers than putting [more...]

Date: 2009-01-08 14:53:06

They cancelled my credit card

I just saw this article called “My credit card was cancelled” on the money section of CNN.com ... closing all the others. We also occasionally purchase something on them and quickly pay it off ... . We have been working the last three years to pay off over $30,000 of consumer debts. I love the feeling [more...]

Date: 2009-01-01 16:05:52

10 Tips on Saving Money

Tip 1 ” Although credit cards are a convenient way to pay for things they can lead to trouble if you cannot afford to keep up with the total repayments. Interest on credit cards is often offered at an extremely low rate for the first few months and increased dramatically therein after. Debt can quickly spiral out of control and become unmanageable for many people therefore it is sometimes necessary to consolidate all of the debt into one manageable package by engaging in one small low cost loan. [more...]

Date: 2009-09-19 11:18:31

5 Real Ways to Get High Straight Out of Science Fiction

Eventually technological advancement comes to every profession– even if that profession is just burn-out, hippy, or full-time junkie ... that are typically associated with sleep deprivation, and no “sleep debt” to pay off. After two days awake ... to generally improve your problem solving abilities, and because of this fact it’s quickly becoming [more...]

Date: 2009-01-14 14:14:18

Debt consolidation

As with most Americans there are few things as bad as being deep in debt ... card consolidation. I will need to get the payment on my credit cards back where I can afford to pay ... . Debt Consolidation is one option that I am looking at and I will need to make up my mind quickly [more...]

Date: 2009-01-08 01:39:30

Homeschool away from home?

As crazy as that sounds, I am seriously considering this as an option for my almost 13 year old son ... to pay it off faster. We want to be 100% out of debt. This means we are seriously pinching our pennies ... are just considered his territory. No one else chooses them. Also, he gets his schoolwork done very quickly [more...]

Date: 2009-01-15 16:41:22

Steeper By The Dozen: What’s Your Raashee

It has been a longish break from blogging, one spent mostly in conducting dramatics workshops and then putting up a play with the freshers in my college who took part in said workshops. One and a half months, and an hour-long version of “A Christmas Carol” later, here I am. In one of the genuinely funny moments in Ashutosh Gowariker’s “What’s Your Raashee?” , an uber-Gujarati couple speak painfully broken English in order to impress their prospective son-in-law and his uncle. [more...]

Date: 2009-09-28 12:26:01

The Socialist Strategy

By Daniel Greenfield Tuesday, September 29, 2009 Government is essentially a national management system, taking on those tasks that it would be unwise or unworkable to turn over to the free market. Good government functions as intended. Bad government takes over the nation and becomes an absolute force, looting and raiding public resources, suppressing individual freedoms in order to keep itself in power. In olden days this sort of government was considered a tyranny. [more...]

Date: 2009-09-29 21:15:03

Get Useful Information about Payday Loans

The increased fastness of living makes us react and make decisions quickly. This refers to various situations that involve spending money as well. As a rule, we have no time to wait for our next salary, if we incur important unexpected expenditures. That is why we should always have some additional free cash. Unfortunately, not everyone is lucky to have savings. And in this case pay day loans are a perfect solution for those, who urgently need cash. [more...]

Date: 2009-09-27 21:51:48

Reading Bernanke’s Mind on the Dollar

It’s abundantly clear that Fed Chairman Ben Bernanke has one, single overarching goal: To avoid the policy mistakes that he believes caused the Great Depression. What does he think those mistakes were? And what will he do to sidestep them? To find out, just read the Fed Chief’s mind, which is actually not as hard as it sounds: He’s a prolific writer and speaker; he has told us quite precisely what his main beliefs are. Here are the three main ones that directly impact the U.S. [more...]

Date: 2009-09-27 11:30:10

Reading Bernanke’s Mind on the Dollar

It’s abundantly clear that Fed Chairman Ben Bernanke has one, single overarching goal: To avoid the policy mistakes that he believes caused the Great Depression. What does he think those mistakes were? And what will he do to sidestep them? To find out, just read the Fed Chief’s mind, which is actually not as hard as it sounds: He’s a prolific writer and speaker; he has told us quite precisely what his main beliefs are. Here are the three main ones that directly impact the U.S. [more...]

Date: 2009-09-27 11:30:39

Reading Bernanke’s Mind on the Dollar

It’s abundantly clear that Fed Chairman Ben Bernanke has one, single overarching goal: To avoid the policy mistakes that he believes caused the Great Depression. What does he think those mistakes were? And what will he do to sidestep them? To find out, just read the Fed Chief’s mind, which is actually not as hard as it sounds: He’s a prolific writer and speaker; he has told us quite precisely what his main beliefs are. Here are the three main ones that directly impact the U.S. [more...]

Date: 2009-09-27 11:30:52

Selecting a Home on Wheels

So you’ve decided to become a nomad, and that taking your house with you is your ideal form of travel. Great! But now comes a potentially overwhelming decision – what kinda of recreational vehicle will you choose to make into your full time home on wheels?  We’re often asked this question, and there is no one right answer. There are many resources out there which give a basic overview of the types of recreational vehicles available, and some of the tradeoffs associated with each. [more...]

Date: 2009-09-27 23:24:28

Big Merger Deals Signal Restored Confidence

After a period of hibernation, corporate mergers and acquisitions are back on the agenda, Andrew Ross Sorkin writes in his latest DealBook column. While the price tags may not be hitting the highs they did during the boom times, the return of bigger M.&A. deals signals an increasing confidence among chief executives, who until now have been hesitant to ink any deals, Mr. Sorkin says. One segment that has not jumped back into the deal-making fray, however, is the private equity industry. [more...]

Date: 2009-09-29 10:15:53

The Sad Tale of Gansel and Hetel

The plight of Hansel and Gretel is known to many but have you ever heard the sad story of Gansel and Hetel? Two middle class kids “adrift” in the consumerist shopping mall culture take a bath in debt and almost ruin their lives… can they be saved? Bad Health & Bad Luck Gansel and Hetel had it rough growing up with divorced parents.  Their dad didn’t take care of his health and didn’t buy enough life insurance so their mom was left to raise them totally alone after he passed away.  [more...]

Date: 2009-09-29 12:57:44

The 7 new rules of financial security

In a world turned upside down, you must re-examine some basic assumptions. A good place to start: understanding the true nature of risk.John Maynard Keynes, the Depression-era economist who’s having quite the comeback, once quipped when he was accused of inconsistency: “When the facts change, I change my mind. What do you do, sir?”Money has long advocated the benefits of consistency in your investing and financial planning. [more...]

Date: 2009-09-29 10:57:27

The Best Ways To Consolidate Debt

Amazon.de Widgets There are a few ways to consolidate debt but as to which one is suited for any one individual depends on their personal financial situation. ‘What is the best way to consolidate my debt?’, is a question that gets asked all too often in the offices of financial institutions, and the answer will vary to reflect each individual case and financial situation.In order to find the right cure it is imperative to have all the details of the illness; so the first step you need to take is [more...]

Date: 2009-09-27 20:40:39

The Socialist Strategy

Government is essentially a national management system, taking on those tasks that it would be unwise or unworkable to turn over to the free market. Good government functions as intended. Bad government takes over the nation and becomes an absolute force, looting and raiding public resources, suppressing individual freedoms in order to keep itself in power. In olden days this sort of government was considered a tyranny. [more...]

Date: 2009-09-29 03:15:00

8 Money-Saving (and making) Tips for the Recessionista

Monday Sep 28, 2009 – By Erin Whitlock For me, 2005-2008 was a world where the streets where paved with gold. I spent money like water. I dined out at the fanciest of eateries. I bought my first home and even added a few extra stamps to the passport. Life was good…until one dirty little nine-letter word shook my blithesome existence to the core—recession. It was everywhere and I soon learned that no one is immune to or insulated from the blow that it can cause. [more...]

Date: 2009-09-28 04:07:57

How to Pay Off Debt, Even if You Never Could Before

by Sean Payne A large number of people who are currently in debt have tried at least once to pay off their debts. Many of them have tried several times. Unfortunately, most of them have failed, ending up even deeper in debt than before. What causes this? Why do they end up accumulating more and more debt? The answer can be found in the methods that they use to try to get out of debt. Those people who use additional loans to get out of debt are only temporarily fixing the problem. [more...]

Date: 2009-09-29 10:43:16

Where has the Bailout Money Gone? Good Billions After Bad

Where has the Bailout Money Gone? Good Billions After Bad Vanity Fair by Donald L. Barlett and James B. Steele As the Bush administration waned, the Treasury shoveled more than a quarter of a trillion dollars in tarp funds into the financial system—without restrictions, accountability, or even common sense. The authors reveal how much of it ended up in the wrong hands, doing the opposite of what was needed. Just inside the entrance to the U.S. [more...]

Date: 2009-09-28 06:17:36

No Credit Check Loans – Help and Advice

by Jimmy Tyrrell Thinking about a no credit check loan but not sure of all the facts? If so, you should invest a few minutes reading this. By the end of this article you should be better informed to decide if no credit checks loans are for you, and as there is more than one type of no credit check loans which one you should consider. Firstly, we must address the subject of no credit check payday loans. Because of the reasons described below these loans might not be an option. [more...]

Date: 2009-09-29 11:35:37

Advice to Pres. Obama #1: An Actuary's Impractical Perspective

The suggestion was made to Oil Drum staff that some of us might want to write recommendations relating to President Obama's energy policy ... our financial problems behind us. This is a tough one. There is vastly more debt in the world than can ever ... . A fractional reserve banking system requires continued growth, in order to pay back all of the debt [more...]

Date: 2009-01-12 14:42:43

Review: The Little Book of Main Street Money

Every other Sunday, The Simple Dollar reviews a personal finance book. This is the eighth book in the “Little Books” series on investment topics, and I’ve reviewed all of the previous ones ( … of Bull Moves in Bear Markets , … of Common Sense Investing , … of Value Investing , … That Beats the Market , … That Builds Wealth , … That Makes You Rich , and … That Saves Your Assets – all links to my earlier reviews of these titles). [more...]

Date: 2009-09-27 20:00:12

War Made Easy_Brainwashing…Why a Global Economic Deluge Looms June 2006!!

  War Made Easy… http://www.warmadeeasythemovie.org/ War Made Easy  Reaches into the Orwellian memory hole to expose a 50-year pattern of government deception and media spin that has dragged the United States into one war after another from Vietnam to Iraq. Narrated by actor and activist Sean Penn, the film exhumes remarkable archival footage of official distortion and exaggeration from LBJ to George W. [more...]

Date: 2009-09-29 14:26:05

Preparing for the coming year

I was shocked to see a Labor Party politician on the TV news yesterday say that now we've had our retail therapy over Christmas (his words, not mine) we should all go off and book a holiday. I won't be taking his advice, I, instead, thought of how sad it is when people bend and compromise their values for the sake of power. Despite [more...]

Date: 2008-12-30 18:57:00

‘Cash for Clunkers’ Finds its Congressional Sponsors

How’s this for a stimulus plan? A trio of senators introduced legislation today allowing owners of gas-guzzlers to trade their vehicles in for ... and highways would help reduce our dependence on foreign oil, decrease greenhouse gas emissions, and stimulate the economy. In addition, it would help boost demand for manufacturers of newer, efficient [more...]

Date: 2009-01-14 22:54:42

My Bills Are Too High, Will A Consolidation Loan Help?

Amazon.de Widgets Bill Consolidation loans; otherwise known as credit or debt consolidation loans, are loans that are currently in high demand as people look for ways to shore up their financial situations, for what looks like at least another 18 months of financial uncertainty.Quite simply, bill consolidation loans are loans that pay off lots of smaller loans and debts that usually have higher interest rates. The benefits and value of applying for bill consolidation loans are;1#. [more...]

Date: 2009-09-28 11:44:10

Uncle Sam

To be fair, illustrating the personal finance page is a difficult and thankless job. Being asked, week after week, to draw a picture of abstract ideas like "the importance of maximizing your 401(k) contribution" -- on deadline -- is not an easy task. There are only so many giant piggy banks, ladders and staircases one can get away with. [more...]

Date: 2009-01-10 00:26:08

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

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

The Bernanke Chronicles

Here is Bernanke’s Speech yesterday at The Stamp Lecture in London, and note that while I understand Mish Shedlock has written something on this, I have not read it; any similarities are due to Ben being a total idiot. I actually watched him present this time along with the questions and Ben looked like he had sat on a Rhino horn a few minutes [more...]

Date: 2009-01-14 21:35:43

Hepzibah Tales

Talking about money management and budgets is not something I enjoy. I’d rather discuss dismemberment, or the landscape of Idaho ... of the condo, plus some child-related debt. I did pay off all my credit cards, from the home equity ... , Georgia called Hepzibah. In the 1930’s and 40’s, when he was growing up, it was a collection of houses [more...]

Date: 2009-01-14 03:33:40

Writing Your Debt Collection Dispute Letter

This is the second guest post in a special How to Fight Debt Collectors series on Bargaineering.com. Writing a debt collection dispute letter is the first line of defense against a debt collector. Make them prove that the debt is legitimate before you do anything. Just because they have your name doesn’t mean the debt is legitimate. If you don’t remember it or you remember paying it off, a dispute letter can help you resolve it quickly. [more...]

Date: 2009-09-29 11:01:53

Obama will lure poor African Americans to military

Have you seen this new military recruiting campaign where “skeptical” parents are convinced by their “mature beyond their years” teenage children that going off to serve in the American military (in behalf of Israel) is a really good idea ... in debt…but,  hey, what do you know….good old Uncle Sam can help you with college for free [more...]

Date: 2009-01-14 04:59:45

Many Deals Collapsed in ‘08, Not Always Quickly

Josh Beckerman and Jennifer Rossa of Private Equity Analyst, look at one of the more notable ripples of the global financial crisis ... company had previously warned about “revised interpretations as to the availability of debt financing ... was one of the few that didn’t run directly afoul of debt markets. Instead, it ran into the regulatory [more...]

Date: 2009-01-05 16:56:19

Many Deals Collapsed in ‘08, Not Always Quickly

Josh Beckerman and Jennifer Rossa of Private Equity Analyst, look at one of the more notable ripples of the global financial crisis ... company had previously warned about “revised interpretations as to the availability of debt financing ... was one of the few that didn’t run directly afoul of debt markets. Instead, it ran into the regulatory [more...]

Date: 2009-01-05 19:30:00

Willem Buiter Calls for Less US Stimulus, Expects Collapse in Price of Dollar Assets

I am a big fan of Willem Buiter, even on those rare occasions when he is wrong. He is unusually blunt for a Serious Economist, and is willing to take on orthodox views and institutions frontally. He has, for instance, been quite critical of the Fed. He created a firestorm at its last conference in Jackson Hole when, in a presentation, [more...]

Date: 2009-01-05 05:24:34

Denver Bankruptcy Lawyers Can Quickly Answer All of Your Bankruptcy Questions

There are a lot of questions to be answered when it comes to filing for bankruptcy: which kind should I file – Chapter 7 or Chapter 13?; will I get to keep my home, my car and my belongings?; will the bill collectors stop calling me?; how long will my credit be affected?…  The list can go on and on and if you don’t have the necessary help you may never get the right answers to some of these questions. [more...]

Date: 2009-09-27 13:15:07

Chain Of Fools

The Denver Post reports from Colorado. “Mike Kraft, a Realtor in Loveland, said first-time buyers have an edge in the current marketplace. The property they buy won’t have inflated equity, Kraft said, and many sellers are willing to help with closing costs. ‘It’s a buyer’s market. There’s a lot of inventory out there,’ he said [more...]

Date: 2009-01-04 18:13:27

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