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February 4th, 2012 — credit cards, Personal Finance
Many consumers are finding that even though they have had the same credit card for years, and have paid the balances off completely every month, their monthly statements are suddenly appearing with a surprise: An interest rate hike by as much as three percentage points. Some consumers are not worried about these interest rate hikes [...]
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Learning About Hidden Credit Card Charges It is very tempting to get an offer for a new credit card with a low interest rate, but make sure to read the fine print on the application or you could find they are charging you fees that were hidden in the small print and that you are subject...... -
3 Credit Lessons from the Economic Crisis Governments are meant to lead by example, regardless of whether they intend to or not. Sometimes they give us examples of what not to do as well as examples of what to do. Wall Street executives also happen to be unwitting role models to people all over the world. Still,...... -
A New Way to Consider Personal Finance Through the past few years, many of us have been conditioned to believe that being in debt is a bad thing. While it certainly may be true that debt is dangerous in the wrong hands, there are actually many ways that debt can be very effective and can actually help...... -
What is a Secured Credit Card? If you have poor credit, or less than perfect credit, you may be excited by offers in the mail for credit cards that appear to be designed specifically for you. They promise no credit checks, excellent interest rates, no annual fees, and if you have bad credit, it's ok! But...... -
Loans and the Credit Crunch The credit crunch is a hot button issue right now, raising red flags in the eyes of consumers not only all over the United States, but also elsewhere in the world. When the economy in the United States begins to have difficulties, the rest of the world is going to......
Continue reading → Consumers Need to Exercise Caution as Credit Card Rates Climb
January 29th, 2012 — Banking, Debt, Diversification, Financial Security, Leverage, Money, Personal Finance, Wealth
If you’re interested in leveraging your credit in a safer environment, credit card arbitrage is one of the best ways. In order to succeed, you need to make more interest than your low interest balance transfer offer and for that you need to invest your money in a high interest bearing account. However, there are [...]
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Resisting Panic: A Quick Guide to Surviving The Credit Crunch A few years ago if you referenced the term "credit crunch", most people would be puzzled. Today barely a single day can pass without the phrase seeing consistent if not constant use in the newspapers and on television. The credit crunch is a crisis that is affecting numerous financial institutions...... -
Personal Retirement Plan Investment Options Good financial management consists of two different distinct facets, the first of which is learning how to make the best use out of your limited earned income in order to best meet your current expenses, and the second of which has to do with learning how to implement strategies that...... -
Just How Safe is Your Money Right Now? Even after the government took the opportunity to step in and bail out one of our largest insurance companies, the stock market still managed to find a way to completely tank, because many investors were not persuaded that this intervention was going to protect their investments. This is when you...... -
How to Start Saving More Right Now For many of us, saving is something that we always plan to do, but never quite get around to it. The bottom line is, if you don’t have a savings account and a regular plan for putting money aside, you may regret it in the future, especially as you get...... -
How to Create Wealth With Debt On the surface, this seems like an oxymoron. How could you possibly use debt to create more money? It actually isn’t an oxymoron, but you’re going to need to change your perception of debt and classify into two different categories for this to make sense. There are many ways that......
Continue reading → 5 Things to Look For When Picking a High Interest Bank
January 1st, 2012 — Mortgage, Personal Finance
This is part four in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want to understand how the housing [...]
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4 Tips to Getting Bad Debt Under Control If you are swimming in a sea of bad debt, keeping your head above water can be incredibly difficult. Thanks to our consumer culture, the availability of credit cards and a general lack of concern for what debt means, many people find that their bad debt is out of control....... -
What You Need to Know Before Going Into Debt Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it...... -
Learn How Even You Can Find a Loan There are going to be times in your life when you will want to have more money than what you have on hand. This can be frustrating because you want to buy certain things like a car or a home or even some new golf clubs. Getting the money that...... -
How to Pay Off Your Card Credit cards create for their users a cycle which is vicious: charging for items when you do not have the money, and then finding it very hard to make the payments due to high interest. The average, in the middle, debt that is held by an American is over eight...... -
The Truth About Dividends When most of us hear the word dividends, we think about the easy life, of lying around on the beach while earning an insane amount of money. The cold hard truth is a lot less pretty. Dividends can pay, but unless you've got a lot of money invested, your returns......
Continue reading → Introduction to Mortgages pt 4 of 5
December 13th, 2011 — credit, credit cards, Debt, Personal Finance
December 3rd, 2011 — Leverage, loans, Money, Personal Finance
Leveraged finance relates to funding a business, a company or another investment using more debt than would be considered normal. More than normal debt is going to imply by nature that the funding is a riskier prospect, and therefore more costly than normal borrowing in general. As a result, leveraged finance options are most commonly [...]
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Are You Managing Your Debt Correctly? Although debt is a dirty word to many, the fact of the matter is that the vast majority of us are in debt in some way or another. No matter how hard we try, there are times when you simply need something and cannot afford to pay for it straight...... -
Saving Money with a Government Loan Option Buying a home is part of the American dream. For more than half of a century, Americans have been set on finding homes to hang their hats. Owning a home is a sign of stability and pride. However, financing a home can be a nightmare that interrupts the American dream....... -
Debt and the Holidays A lot of people make use of their credit cards when shopping for the holiday season on the premise that they are going to pay all of the newly formed debt off within only two or three months time. Unfortunately, most people are still trying to tackle these credit card...... -
Does Your Financial Future Look Gloomy? While no one can look into a crystal ball and determine where they will be financially in twenty, thirty or forty years, there are some early warning signs that may indicate that the future might be a bit gloomy. The key to successfully preparing for your future is to avoid...... - The Truth About Dividends When most of us hear the word dividends, we think about the easy life, of lying around on the beach while earning an insane amount of money. The cold hard truth is a lot less pretty. Dividends can pay, but unless you've got a lot of money invested, your returns......
Continue reading → Leveraged Finance Defined
November 30th, 2011 — Banking, checking, Money, Personal Finance, saving
A big portion of how you handle your finances will have a lot to do with the bank that you choose. In most cities, you should have quite a few choices, and with internet banking, it’s never been easier to find a new bank. However, before you open an account, checking or savings, there are [...]
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Are You Being Frugal or Miserly? This post is part of the interview I did with Garrett of FruBlogger with a little bit changed here and there. To check out his post visit: 42 Money Lessons from 19 Very Frugal Bloggers! What does it mean to be frugal? The common idea associated to frugality is scrimping,...... -
5 Ways to Save Money Without Even Trying The whole process of saving money is usually associated with pinching pennies until they scream for mercy, living on food from dented cans and basically giving up everything for a future goal. While this will indeed help you put more money away, saving does not need to mean hardship. We...... -
Free Financial Management Software When it comes to your getting out of debt, having the right software can actually make a real world of difference. Some people tend to manage their efforts at debt reduction with something that is as simple and as straight forward as a computer spreadsheet while other people tend toward...... -
8 Tips on Saving Money Without Scrimping Retrain your Brain - If you deprive yourself of the things that bring you pleasure, you are going to have trouble saving money. Retrain your brain by visualizing a future that is more fulfilling, like credit card bills that are smaller, and higher savings account balances to give yourself a...... -
Why is a Savings Account Necessary? Any time that you are asking someone for starter personal finance advice, one of the first things that you are going to be told is that you need to have a savings account in your name. But why are you necessarily going to need a savings account? The purpose of......
Continue reading → Finding the Right Bank
November 29th, 2011 — Banking, Financial Security, Income Streams, Long Term, Money, Personal Finance, Real Estate
While many are reacting to the news of bank failures and bailouts badly, there are a few people that are taking the time to assess the situation and figure out what they can do to stay on top, and keep their money safe. Panic is an ugly thing, especially when it involves money. Britain has [...]
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How to Keep Finances Growing No matter how much money you make, for many people, it's never quite enough. In order to get ahead, you'll need to find a way to keep your finances growing. There are many different ways that you can grow your income, both actively and passively, and over time, these small...... -
Ruin Your Credit Fast, pt1 Granted, there are a wide variety of different ways that you can ruin your credit over time, but do you want to know what the quickest and most dangerous ways are? Here are five ways that you can quickly and effectively destroy your credit. 1 - Break your budget. Sure...... -
Get Rich In The Long-Term Housing Market -- But Be Mindful of Current Trends, Past Mistakes Although there have been recent signs of a thaw in the frozen housing market, the overall picture remains as dismal as it’s been for the last couple years: fewer people are selling homes, prices are still stagnant, and millions of homes lay shuttered and foreclosed. While a good buyer’s market,...... -
Sunday Money Madness Welcome to a new edition of the Sunday Money Madness roundup. I hope you enjoy this light bit of weekend reading. Debt | Debt Leveraging: Cash Money Life presents 10 Ways to Pay Your Debt Off Faster. College Loans: Not Always Good Debt at National Payday explains. What do you...... -
How to Get Out of Trouble in the Real Estate Market If you invested in the real estate market recently and are now regretting that decision, there are a few ways that you can get out of financial trouble. For awhile, the real estate market was very solid and property values were going up. Many experts advised investing heavily in real......
Continue reading → Keeping Your Money Safe in Economic Turmoil
November 28th, 2011 — Banking, credit, loans, Money, Personal Finance
Credit is the catch all term for the act of lending money. It can take the form of a credit card, in which the lender buys the things you want and you pay them back. Loans are where you have the money given to you with the promise to pay it back with interest. Any [...]
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Budgeting While in School When you are a college student, you may think that planning out a budget is simply a waste of time, because why does a college student need a budget? No matter how young or old you are, having your own budget is vitally important, and this actually happens to be...... -
Small Business Financing: Taking Advantage Of Credit Cards And Knowing When To Avoid Them If you’re looking at starting a small business, you may be overwhelmed by the prospect of finding a way to fund your new venture. While there are a variety of options out there, one size does not fit all, and you’ll want to take a careful look at your own...... -
Personal Finance Credit Crunch Budgets are unfortunately quite the necessary evil when it comes to managing your own personal credit crunch. Everyone is going through a credit crunch, even those who have relatively healthy credit. The only practical way to keep yourself financially stable in this volatile market is to get a grip on...... - Review: The Teen's Guide to Personal Finance: Basic concepts in personal finance that every teen should know. Time is a resource that many teenagers don't realize is their greatest resource for finacial independence. "The Teen's Guide to Personal Finance" is a tome that will provide teenagers with important financial lessons, in a manner which will pull their interest and convey itself effectively in its intended task. The......
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The Dos and Donts of Credit Scores Pt 2 In an earlier post we talked about the Do's for good credit, so now it's time to consider the Don'ts! A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a......
Continue reading → 9 Steps for Establishing Credit
November 27th, 2011 — credit cards, credit score, Debt, Personal Finance
If you want to repair your credit quickly, there are a number of things that you can do to fix up your credit report. In general, there are some things on your credit report that really drag your credit score down. This is a look at the seven worst possible things that you can have [...]
Online Stores Related Posts - The Total Money Makeover By Dave Ramsey Dave Ramsey is a popular radio talk show host and author and his latest book, The Total Money Makeover has generated quite a bit of excitement. He claims that money management is 80% behavior and 20% knowledge, and there is a lot of truth to that. While the book covers......
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Things to Have Removed from your Credit Report pt 2 Continued from part 1. 3 - Charge Offs. When you do not pay off a credit card account or a loan account for a period of three to six months, your creditors are generally going to assume that your account is non collectible, or that it is in default. When...... - Welcome to the Carnival of Credit Report Stories Welcome to the November 10, 2008 edition of credit report stories! Rich Credit Debt Loan is happy to host the latest edition of the Credit Report Stories carnival. We hope you enjoy the posts and find many worthwhile articles. Below are our editorial picks: Credit Karma presents Balance Needed As......
- Organize Your Personal Finances in No Time by Debbie Stanley If nothing else, the state of the economy has shown that millions of people don’t have a good grasp of how to manage their personal finances. There are hundreds of books written every year on the subject and yet, this concept still seems to elude many. Some books are either......
- Loans and the Credit Crunch The credit crunch is a hot button issue right now, raising red flags in the eyes of consumers not only all over the United States, but also elsewhere in the world. When the economy in the United States begins to have difficulties, the rest of the world is going to......
Continue reading → Things to Have Removed from your Credit Report
November 19th, 2011 — credit cards, Debt, Debt Snowball, Money, Personal Finance
