Contest and Sale: Dining on a Dime print book from Living on a Dime

Tawra Kellam and Jill Cooper of Living on a Dime are amongst the most renowned frugal-living experts on the internet today.  Their books, both in print and e-book have enabled mothers nation-wide to pay down their debts and save money on groceries, children’s items, gifts, home decorations, beauty products and many other household needs [more...]

Date: 2009-01-01 23:16:36

Blog posts (206) | Videos (60)
 

PAY DOWN YOUR DEBTS!!!

Hi Everyone: My name is Marie Calvin, I am here to share and learn with others as well. Are you in debt, need relief, can't decide who to go to or who to seek for help? Well I believe Debt Settlement can help. If you have debt of $4,000. have been late for 30 days or more contact [more...]

Date: 2009-01-10 10:09:54

What You Can Do To Keep Your Credit Score Afloat

Are you ready for a fresh financial start this year? Here are a few easy ways to spring clean your credit score, and begin today to pay down your debt ... or not you are searching for new credit. Every department store card you apply for reflects as a negative [more...]

Date: 2008-04-29 21:58:58

Fleck on Belshaw

Like many papers, The Times is in deep trouble. To cut costs in the face of declining ad revenue, ... and its newspapers in Maine up for sale to raise capital to pay down debt. Tentative deals were killed [more...]

Date: 2009-01-11 16:56:00

Glam Media Blames Economy, Slows Down Payments To Publishers

Glam Media, the always interesting womens network (and now men’s network) is back in the news this morning ... of their business model is float management - making sure that they collect money before they pay it out to partners. If they pay too soon, they could get hit with bad debt when advertisers don’t pay. Pay later [more...]

Date: 2008-11-04 18:57:21

“turn assets into tax relief” by selling crown assets, paying down the debt and applying interest savings toward tax relief, ... of the attempted elimination of the $2-(or so)-a-vote subsidy to major political parties [more...]

Date: 2008-11-28 02:38:25

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

Spending Down by Thomas D. Begley, Jr., Esquire

  The client who engages in Medicaid planning is usually a person of modest means who has been diagnosed with an illness and therefore the option ... his assets.   Pay Off Debts   Repayment of a debt is not considered a transfer, because ... actually be written and delivered. An outstanding debt is simply a liability that does not reduce [more...]

Date: 2009-01-12 14:51:31

The Dirty Secrets of Debt Reduction (and What to Do About Them)

When I was a sophomore in college, I got my first credit card. I thought it was awesome — it was like free money ... to pay off debt. I was arrogant. I believed this advice didn’t apply to me. But then my car broke down ... , and then paused my debt elimination plans for a few months in order to stash $1,000 in the bank [more...]

Date: 2008-07-17 12:00:34

The ?Financial Adviser? in the Middle of the Blagojevich Scandal

Was disgraced Illinois Gov. Rod Blagojevich strung along in his delusions by a deal maker who should have known better? ... Sam Zell needed to sell the Cubs to help pay down Tribune’s debt. As part of that effort, Zell [more...]

Date: 2008-12-11 12:02:00

First Time Home Buyer Seminar Invite!!

  I hope everyone is having a great start to the New Year! ... in value. 5.  Equity buildup and debt pay down - homeowners enjoy an average net worth [more...]

Date: 2009-01-15 18:32:19

brand utility for tough times

Obviously, it's critical to make sure your brand and products are relevant to current consumer needs ... the Wells Debt Down Solution. It's a new product that allows consumers to consolidate their high interest debt and find a workable way of paying it off. We are used to banks being slow [more...]

Date: 2008-12-09 16:19:07

Obama wants to do what?

Obama's big plan to "jumpstart the economy" includes enacting a windfall profits tax on the oil companies in order to provide $1, ... it in my IRA or pay down my credit card.But I ask you, why should the oil companies be financing my retirement or paying off my debt?Another plan to help Americans is addressing predatory credit card company [more...]

Date: 2009-01-09 02:15:00

6 Step To Improve Your Credit Score Now

Your credit score is probably the single most important number in your financial life ... who hasn't? Lenders aren't that much different. Pay Down Debt 30% of your score is based on the how much [more...]

Date: 2008-12-02 17:06:27

Debt Consolidation Headquarters

Eliminate credit card debt. Surfers who participate in this offer can receive a free consultation and help paying down their debt. (U.S) [more...]

Date: 2009-09-26 06:05:21

Plotting the Debt Reduction Course

It feels like it’s been months since I last accomplished a financial goal. In fact, it *has* been months. It’s getting me down. I eliminated $28k+ worth of credit card debt way back on March 27 with a $508.13 payment ... , you have the right to request cancellation of PMI when you pay down your mortgage to the point that it equals [more...]

Date: 2008-06-12 16:55:34

Devise your own Credit Repair Plan

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... , and credit card statements, mortgage and insurance records. Locate debt worksheets on the internet ... debt. Decide which credit cards, and loans that you will pay down in order. For the first [more...]

Date: 2009-01-14 23:03:41

Cram Down

Allowing bankruptcy judges to deal with mortgage debt has always been the most sensible way to deal with the foreclosure crisis in a way which allows people to keep their homes without reinflating the bubble. Hopefully it really passes. In the old regime of 10%+ down, ability to pay, and 30 year fixed rate mortgages exempting mortgages [more...]

Date: 2009-01-06 14:57:00

Can we pay for all these hamburgers?

Our position isn’t as dire as other nations might be. This was a helpful article: So what’s the moral of the story? ... , getting our debt burdens down will hinge on Obama’s and Congress’s willingness to confront the looming ... The Obama administration should not focus on debt reduction now, which could actually undermine [more...]

Date: 2009-01-15 21:10:54

Change is Coming/Scary/Exciting

continuations: I believe that the financial and economic crisis is accelerating the change from the industrial to the information society ... (or preparing for college, or paying for college, or worse yet in debt following college or a graduated ... .  The existing system is definitely breaking down.  For instance, the cost of degrees [more...]

Date: 2009-01-08 02:10:17

Should you take a second job?

By Andrea Dickson Right now is actually the perfect time to take a second job ... .  If you, like most Americans, are deep in credit card debt, you might be wondering how exactly you are going to pay it off. Or maybe you're not in debt, but need to make some extra cash to put a down payment [more...]

Date: 2008-10-30 23:58:58

The Paradox of Thrift

Has the economy scared you into cutting back on your spending, paying down your credit cards, getting your budget in order? ... couple profiled in the Journal story: Rick and Noreen Capp recently reduced their credit-card debt ... with that? Haven’t consumers been told they need to be more responsible about debt and spending - the lesson [more...]

Date: 2009-01-06 14:12:53

Net Worth December 2008

Finally, I'm wrapping up my 2008 numbers! Today I'll tackle net worth, and I'll post expense and income numbers tomorrow ... to have no debt other than my mortgage-- I had a little more outstanding on my credit card at the end ... growing as I pay down the mortgage-- this assumes that the market value of my home has stayed the same [more...]

Date: 2009-01-12 14:26:33

My Net Worth Is Down Only 10% Since Its August 2008 Peak

So, how did I manage this remarkable accomplishment?  Let me tell you…. I have been tracking my family’s net worth for about eight months now ... to erase the debt. Investing In Education.  My net worth would have actually been the same over ... value, your net worth will increase by the amount of debt you pay off.  Finance is dictated [more...]

Date: 2009-01-10 18:13:54

AIG (AIG): Recycling Debt Without Paying Anyone Back

AIG is ready to repay the Fed $40 billion. The money will come from preferred shares it raised with backing from Treasury ... has funded. Banks may still face substantial write-offs from consumer debt and their exposure to mortgage ... the value of their own loans. The only answer???more money. Cure the default by risking another one down [more...]

Date: 2008-11-26 11:01:31

How To Pay Down $83,306.89 in Student Loans

I have been out of college for about 2.5 years now and made a little bit of progress on my private student loan ... from you) against my private consolidation loan. So the goal is looking at a minimum of $16,800 going ... but not impossible. How are your numbers looking for student loan debt remaining? Private or federal [more...]

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

Five alternatives to 0% yield U.S. treasuries

By Xin Lu This week the 4 week T-bill rate was driven down to 0% and the demand for these treasuries was astounding ... with yields higher than 0%. The Fatwallet forums maintains a good list of the current rates ... above 2% and they are FDIC insured up to $250,000 per account. 4. Pay off debt - Instead of buying [more...]

Date: 2008-12-12 01:10:37

Accepting a down payment

Well I’ve discussed borrowing money from family in times of need, boomeranging home, and finances for a young couple starting out ... they were fortunate to get a $50k gift from a relative to pay off their student loans.  So should ... off debt, take it.  BUT not at the expense of your parents. My roomie will get a paid for wedding [more...]

Date: 2008-11-13 13:00:16

Obama Set To Charge Already Beleagured Taxpayers $50 Million For Inauguration Bash

Bailing out banks. Bailing out car companies. Now taxpayers are staring down the barrel of an “economic stimulus” spending spree that will ... to help the city cover costs. That would double the $15 million Congress has already allocated to pay ... , now is not the time to rack up debt, Fenty told CNN. Watch more on the inauguration cost » “ [more...]

Date: 2008-12-21 22:36:56

WIRELESS

WIRELESS Verizon’s acquisition of Alltel will close on January 9 according to an SEC filing made on Friday. Verizon will pay $5.9 billion and acquire $22.2 billion in Alltel debt to acquire some 13 million customers - creating ... and ease-of-use, Google hopes the stripped-down OS will help dramatically increase the exposure [more...]

Date: 2009-01-06 03:40:04

Top 10 Ways To Save Money - Number 2 - Live On A Budget

Let’s take ten minutes and create your new budget for December. Write down your expected monthly income.  (Use your take-home pay.) ... , mortgage, insurance, food, clothing, gifts, miscellaneous, cell phones, credit card payments, etc.  Need ... !  This is the amount that you can budget for extra savings or extra debt reduction payments.  Did [more...]

Date: 2008-11-29 21:41:51

See How ManagIng Your Personal Debt And Get What You Need Out Of Life

If statistical data are anything to go by it seems most of the people has some level of private debt. Debt in itself is not a bad thing so long as you’ve got the capability to pay it back without causing yourself additional stress. If we constantly consume more than we earn, the end result is not going to be good. If you want to manipulate your private debt you must get on top of your budget. The process of putting a budget together is not tough but you need to sit down and do it truthfully. [more...]

Date: 2009-09-14 23:19:09

Alt-A and ARM resets could trigger another crisis!!!

We are winding down out of subprime and going into Alt-A and ARM resets. We have government funding for homes in two ways. One, incentives with lower rates and tax credits, but, there is more. The GSE’s are allowing loans that are 105% and where the monthly debt to income is over 60%. These loans have high default rates and we will pay the price as unemployment stays high. quote Let’s look at a few facts: The Fed is literally the entire mortgage market. Yes, really. [more...]

Date: 2009-09-29 18:15:58

Why Can't You Ever Make On-Time Payments?

By Tisha Tolar How frustrating is it to pay all of your bills each month when you finally get a minute to sit down and take care of things, ... are no longer as forgiving about grace periods and payment timelines. It is now more important ... . You need to change your financial habits to eliminate late fees and help you on your way to living a debt [more...]

Date: 2009-01-12 22:28:05

They Call This Season ‘Fall’ for a Reason

Photo: Matthew Bradley / flickr So now it turns out that the whole Troubled Assets Relief Program (TARP) was a flop or more likely a scam. Remember Bush Treasury Secretary Henry Paulson telling us last September that credit markets had locked up, and then, after half of the $750 billion that he extorted out of Congress was handed out to Wall Street firms, new President Barack Obama justifying the spending of the second half of the money because we needed to “get the banks lending again”? [more...]

Date: 2009-09-28 16:27:36

They Call This Season ‘Fall’ for a Reason

Photo: Matthew Bradley / flickr So now it turns out that the whole Troubled Assets Relief Program (TARP) was a flop or more likely a scam. Remember Bush Treasury Secretary Henry Paulson telling us last September that credit markets had locked up, and then, after half of the $750 billion that he extorted out of Congress was handed out to Wall Street firms, new President Barack Obama justifying the spending of the second half of the money because we needed to “get the banks lending again”? [more...]

Date: 2009-09-28 16:27:36

What Causes a Depression?

It is a gray morning here in London. We sit in the building with the golden balls, look out the window, and wonder… …how does it all work? We’re doing some serious thinking this week. What is it that actually causes a depression? A stock market collapse? Or too much debt? How come government can appear to cure the problem sometimes – 2001-2007 – but not other times? How come the Japanese were not able to increase consumer prices? Even now…Japan’s inflation rate is negative. [more...]

Date: 2009-09-28 18:49:54

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

LaRouche hyperinflation warning: Fed money printing is criminally insane

Media Release  - Citizens Electoral Council of AustraliaHearings in the U.S. House Financial Services committee on 25th September underlined, for those who are not stupid, that the U.S. Federal Reserve, backed by the White House, totally rejects any and all disclosure of its activities to anyone.What are they hiding? The criminality and outright treason of the Federal Reserve in threatening a 1923 Germany-style hyperinflationary wipeout of the United States, with its out-of-control printing of money. [more...]

Date: 2009-09-28 23:29:55

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

Don’t fall off the wagon with your finances

The following is a guest post from John Gowan. John is the principal financial consultant at Financial Legacy Builders , an asset management and financial consulting firm that specializes in helping young adults eliminate debt, build wealth, and increase their giving. Staying on Course with Your Finances How many times have you started something that you never quite finished? If you’re like most people, there are probably too many instances to count. [more...]

Date: 2009-09-28 14:57:24

What Are The Benefits Of Using 0% APR Credit Cards?

Amazon.de Widgets The practice of chasing 0% credit cards has been around for a while now. Let’s face it, if you could guarantee continual use of credit cards without paying interest you too would jump from one card to the next.0% credit cards are as popular today as when they first appeared a few years ago and even during these harsh economic times credit card usage and the pursuit of these deals is continually increasing with massive increases in the past 5 years alone.How much of the blame [more...]

Date: 2009-09-29 12:13:36

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

Individual Voluntary Arrangements And The Entailments

by Edward Woodwards If you ever encounter a serious financial crisis in your life like, you are under heavy amount of debt, normally 15,000 USD or more, the best thing to do would be opting for an IVA (Individual Voluntary Arrangement); it will help you lead to a debt-free life again. IVAs are commonly known to be better substitutes to bankruptcy because they do not have most of the drawbacks a bankruptcy would put you through; losing Assets in a bankruptcy would be the biggest example. [more...]

Date: 2009-09-29 09:38:33

Bonita Bay Brawl: Are Club Members “Victims” Of Developer Lucas and KeyBank?

By Teri Buhl for BankImplode.com The developer of Bonita Bay Club, an exclusive golf community on Florida’s west coast, is using aggressive tactics to get the club’s members to pay off his debts and save him from bankruptcy, according to some disgruntled investors. Questions continue to swirl regarding whether the club’s group of lenders, led by KeyBank , who had lent the developer $120 million by securing club property, is aiding in the scheme. [more...]

Date: 2009-09-29 16:03:28

Public meeting on enhanced pensions for water workers is Tuesday

The Metropolitan Water District of Southern California will hold a public workshop on proposed union contracts that would hike pay and pensions at 10 a.m. Tuesday at its  Union Station headquarters . While Met’s current pension formula is among the least-generous in the area , the proposed hike is generating outrage because it would cost some $70 million , at a time when Met’s investments in Cal-PERS are already down some $400  million - and at a time when water rates are jumping . [more...]

Date: 2009-09-28 22:47:12

The Politics of Inflation: Theft by Other Means

By Charles Hugh Smith, OFTWOMINDS A little inflation is supposed to be “good.” From the perspective of the wage earner and taxpayer, it’s simply “theft by other means.” Deflation is supposed to be horrible and awful, and a steady dose of inflation is supposed to be “good.” So your cash gaining value is awful, and it’s great when it is robbed by inflation. How “good” is that? I’ve been pondering the politics of inflation. Here are the dynamics I discern: 1. [more...]

Date: 2009-09-29 01:58:44

How Ghana Did It - George B.N. Ayittey, Ph.D.

September 28th, 2009 PrintEmail Goto commentsLeave a comment When President Obama visited Ghana in July 2009, he said the choice was based on Ghana’s record on good governance. The irony was that the NDC government, which just took office just January 2009, obviously could lay claim to that model of distinction. More importantly, those familiar with Ghanaian history in the late 1980s and 1990s would recall that the P/NDC regime was most ferociously resistant to change. [more...]

Date: 2009-09-28 22:10:36

Fixed Rate Mortgages: The Ups and Downs

As the title of this article would suggest, I am going to take you on a journey through the ups and downs on fixed rate mortgages. When buying a house, especially the first one, I think that it is literally the most terrifying experience that I have been through, and I have combat experience as a military veteran. For those of you who find yourselves still anticipating the purchase of your first home , let me give you a brief rundown of what it is and what it isn’t. [more...]

Date: 2009-09-29 02:15:59

Fun & Money

Brent Dobson over at Moonjar.ca wanted me to let y’all know that they’ve just launched their Classroom Contest. A classroom kit is the prize, which includes the Moonjar Leader’s Lesson Plan, 25 Standard Moonjars, a Classic Moonjar, “How the Moonjar Was Made” picture book and a “Conversations to Go about Money” game. Entries may be submitted on behalf of classes/groups through their teachers or parents. [more...]

Date: 2009-09-29 07:55:59

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