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March 18th, 2010 — Budget, Debt, Guest Blogger, Money, Personal Finance, Real Estate, credit, economy, saving
While it may seem that the nation’s economy is taking a turn for the better and strides toward the positive are being made, the recession times we have been experiencing are not exactly over. With so many people starting to regain confidence in their personal finances again with just the glimmer [...]
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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...... -
Getting Out of Debt 102 Debt Elimination Step #2 - Next, you have to be able to establish an emergency fund. The step of establishing an emergency fund is going to take as many as several months longer, but it is well worth it when you see how far your savings have come in the...... -
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...... -
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...... -
3 Ways to Weather Economic Cycles The economy is in a state of constant flux. If one industry is doing well, you can bet another is suffering. While it can be difficult to weather any cycle, there are techniques that you can use to ensure that you stay on top no matter what happens. Here are......
Continue reading → Recession Not Through With Us Yet
March 16th, 2010 — Investing, Money, Personal Finance, Stocks, insurance
With so much uncertainty currently present in the marketplace, one of the most vital things that you can do to invest safely in a crisis market is simply to learn from mistakes in the past. Certain sectors of the market may seem incredibly attractive in times of a crisis, it is absolutely vital that you [...]
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Does Insurance Really Matter When it Comes to Personal Finance? Most of us look at insurance premiums as a big drain on our finances. Insurance policies do not come cheap, but they may be essential. In many ways, you can look at insurance as a way of avoiding financial failure in the years to come. While you can’t buy a...... -
Successful Investing Tips and Techniques The true, most basic motivation behind investing is to grow our investment. People who have invested before will take their time, looking at the differing companies and the market, trying to predict how a stock will do in a year or two. Those investors whom are without the experience to...... -
Sunday Money Madness Welcome to a new edition of Sunday Money Madness where another portion of the financial blogosphere is illuminated. I found these stories to be worth while and interesting and they should make great weekend reading if you haven't read them yet. An Immigration Story by Digerati Life details a story...... -
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...... -
Beginner's Tips for Smart Investing Investing is an endeavor that can be both challenging and complicated. If you are new to investing, then you may end up paying the price if you do not know where to turn for the most reliable investing tips and investing advice out there. Fortunately for you and other beginners......
Continue reading → Investing in a Crisis
March 2nd, 2010 — Money, Personal Finance, saving
As the economy continues its upheaval, the word thrifty seems to be on many people’s minds. Is it absolutely necessary to be thrifty in times of economic uncertainty? There are many schools of thought on the subject, and while at first glance, it may seem like the only economical choice, there is another way to [...]
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Keeping Your Money Safe in Economic Turmoil 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...... -
Save Time, Money and Space in Over 80 Ways If you're looking for handy gadgets, tools and various items that can save you time, money or space (or all three!) this list of more than 80 top products is just what you need. Everyone's got saving money on their minds these days. Some of us are always looking to...... -
How to Find Financial Stability in Unstable Markets Right now, the only news about the economy seems to be bad news, and it may take a few months if not years to improve. The dollar is weak, oil prices are still up and the cost of living has skyrocketed this year. These are unstable times, but that doesn’t...... -
6 Steps to Get Back on the Right Financial Track Millions of Americans have found out this year that they are in dire financial straits and this came as a shock to most. Whether it’s a new variable rate on a mortgage, higher gas prices or just the higher cost of living, many of us are not as financially secure...... -
Budgeting for Insurance Many people believe that they are forced to pay whatever it is that their insurance company is telling them to pay. This method of thinking may be true across the board when it comes to insurance policies like health insurance, auto insurance, home insurance and life insurance, but there is......
Continue reading → Do You Have to be Thrifty?
February 10th, 2010 — Mortgage, Personal Finance
This is part two 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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Introduction to Mortgages pt 4 of 5 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...... - Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where......
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9 Warning Signs That You Have TOO MUCH Debt! When it comes to accruing debt, it is really and truly tough for people to face the cold hard fact that they are in way over their head. It's much easier for you to turn things around when you are aware of what the signs are for too much debt,...... - 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......
- 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......
Continue reading → Introduction to Mortgages pt 2 of 5
January 13th, 2010 — Mortgage, Personal Finance
This is part three 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 [...]
Online Stores Related Posts - 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......
- Review: Nine Steps to Financial Freedom By Suze Orman When it comes to personal finance, there are few experts out there that are as popular as Suze Orman. She has helped thousands of people get their finances under control through her efforts on her radio show and through her books. Her no-nonsense, common sense approach appeals to many and......
- Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where......
- Top Personal Finance Blogs for August 2009 These are the top personal finance blogs according to this blog's quality traffic score. How does it work? Glad you asked... I took the top 15 personal finance blogs in terms of visitors referred to this site. Then I created a quality score which I define loosely as engaged traffic.......
- WSJ Complete Personal Finance Guidebook By Jeff Opdyke When it comes to a trusted source for financial news and information, it’s hard to beat the Wall Street Journal. They have introduced a line of guidebooks on many financial topics, but for this review we’ll be taking a look at their Personal Finance guidebook. While it may be a......
Continue reading → Introduction to Mortgages pt 3 of 5
December 25th, 2009 — 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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Fixed Term Investment Characteristics The government only represents approximately 30 percent of our retirement income allotment. The companies that we work for and their retirement pension plan is only going to amount to another 30 percent or so, and most people do not even have these types of retirement plans. In other words, it...... -
The Dangers of Long Term and Interest Only Loans There are two new trends in the banking world that may actually be very dangerous for consumers. Long term personal loans and interest only loans are gaining in popularity, especially in the wake of the housing crisis. While these may seem to be a great option at the time, there...... -
Paying off Debt in 9 Steps pt 3 Part three in the series on paying off debt: There is a solution to your problems with debt. These 9 steps will have you paying debt off in no time. 6 - Hunt down a good home equity loan. If you own your very own home and you have accumulated...... -
Getting Motivated to Organize Your Finances For many people, the first steps towards getting your finances under control are the hardest. Whether you didn’t spend enough time learning about basic personal finance principles when you were younger, or life happened and you’re now at the bottom of a very large problem, it can be difficult to...... -
Do You Need an Accountant? The average person usually tries to struggle with their finances year after year and only visits an accountant a few days before their taxes are due. By this point, it’s up to the accountant to try to piece everything together and they won’t be able to offer much help when......
Continue reading → Introduction to Mortgages pt 4 of 5
December 18th, 2009 — Mortgage, Personal Finance
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 market works, you should begin with an introduction to home mortgages. This is part one in a five part series on what [...]
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How To Hedge Your Bets: 10 Ways To Diversify Your Income Jonathan Leane is today's guest blogger here at Rich Credit Debt Loan. Jonathan writes for Debt Loans. Why Diversify Your Income? Most people are familiar with the idea of diversification—it is common knowledge to not “put all your eggs in one basket”. However, this advice is most commonly applied to...... -
Getting Out of Debt Quickly pt 4 This is part 4 of a 4 part series on getting out of debt quickly. Make sure that you read all four parts in order to get the most out of this sequence of hints on getting yourself or your family out of the debt trap. If lenders happen to...... -
Different Types of Short Term Investments Short term investments are the most ideal form of investing if you want to invest over a period that is relatively short. Cash manager accounts make it possible to access your money whenever you need to. Fixed term deposit investments secure your money for the entire length of the term....... -
Introduction to Mortgages pt 2 of 5 This is part two 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...... - Introduction to Mortgages pt 4 of 5 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......
Continue reading → Introduction to Mortgages pt 1 of 5
November 1st, 2009 — Money, Personal Finance, Real Estate
The housing market has many people concerned right now and one of the most popular questions is whether or not this is a good time to buy a home. Unfortunately, there is no clear cut answer to this question, and each individual’s financial state will determine the answer. However, there are a few guidelines you [...]
Online Stores Related Posts - The Dangers of Long Term and Interest Only Loans There are two new trends in the banking world that may actually be very dangerous for consumers. Long term personal loans and interest only loans are gaining in popularity, especially in the wake of the housing crisis. While these may seem to be a great option at the time, there......
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Is Consolidation Always the Answer? One of the most important things that you can come to understand regarding your debt and the concept of debt consolidation is this: You absolutely cannot borrow your way out of debt, in order to solve all of your problems. More than 80 percent of all individuals that managed to...... -
Introduction to Mortgages pt 3 of 5 This is part three 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...... -
How Far Into Debt Should You Go? While most of us get the general principle that we need to go into debt if we want to build up our credit, it’s tough to know exactly how far you should go. When you’re first starting out, it’s all too easy to get buried in bad debts that run...... -
Introduction to Mortgages pt 5 of 5 This is part five 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......
Continue reading → Rent or Own – What’s Best Right Now?
November 13th, 2008 — Investing, News, Personal Finance, Real Estate
According to regional and state real estate analysts, the factors which previously fueled the housing boom of the last few years are easy to explain. The factors that fueled this boom in the real instate industry ranged significantly, including:
- Interest rates that were historically low.
- Flight-Risk Safety Investments for Foreign Investors hailing from South America, [...]
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Rent or Own - What's Best Right Now? The housing market has many people concerned right now and one of the most popular questions is whether or not this is a good time to buy a home. Unfortunately, there is no clear cut answer to this question, and each individual’s financial state will determine the answer. However, there...... -
Staying Solvent in Bad Economic Times Every day, the news about the economy seems to be getting worse and people across the world are concerned that they will be personally affected by the changes. In many cases, they already are when you consider how the cost of living has gone up, gas prices that seem to...... -
What is Debt Leverage? Leverage is a term that is often used synonymously with debt, and for this reason, it is important that people come to understand what debt leveraging actually means, and how it works in an ordinary financial transaction, such as buying a home for example. Let us suppose that you are...... -
Real Estate Investments - Good Idea or Bad Idea? Right now, if there was a market that had bad news written all over it, it would be real estate. The housing crisis has made investors jumpy, the economy appears to be tanking and home values are plummeting across the country. Would you believe that this is actually a good...... -
What You Need to Know Before Buying a Foreclosed Property As housing prices keep falling, many people are considering getting into the property market like never before. If you are looking for an investment property, now is certainly the time to strongly consider your options. However, before you get in over your head, there are a few things you need......
Continue reading → The Mortgage Crisis and Investments in Real Estate
