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January 4th, 2010 — Debt, Long Term, Money, P2P Lending, Personal Finance, 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 are many risks from these [...]
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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...... -
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...... -
The Dangers of Financial Illiteracy Financial illiteracy is a growing problem throughout the world, and as the recent housing crisis has brought to light, it can have dangerous consequences. There are a few basic financial tips that everyone can use to increase their financial literacy the easy way, and many of these tips can help...... -
Keeping Track of Cash Flow - Your Household is Your Business You should create a budget to track your spending and get a handle on your finances. You plan out all of your bills, and the amounts look good. The budget is the first step in getting your finances under control. However, the budget is not the only step. There is...... -
Running Out of Time? How to Catch Up Financially Before it is Too Late Whether you are pushing thirty and trying to get your first home or your retirement is staring you in the face, there are times when you may feel as though you’ve run out of time financially. We don’t always make the best decisions when it comes to saving money and......
Continue reading → The Dangers of Long Term and Interest Only Loans
December 28th, 2009 — Investing, Money, Personal Finance, money management techniques, saving
If you want to access your money quickly, where do you put it? Where do you hide your emergency fund, in a cookie jar, a safe or in the bank? Knowing where to stash your cash is vitally important, and so here are some of the options that are available to you for this very [...]
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Saving Money with Your Credit Cards pt 1 When it comes to personal budgeting, we tend to try to think of ways that we can cut corners while cutting down on any frivolous expenses in our lives. What many people are not apparently aware of however is that you can actually make use of credit cards to help...... -
Saving Money with your Phone There are a lot of different ways that you can cut down on what you spend in your household budget every month, and one such example is by saving money through how you communicate on the phone. Telephone services are easily capable of costing a typical family as many as...... -
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...... -
Saving Money on Vacations by Finding Cheap Airfare One of the easiest ways that you can save money when you are planning a vacation is to locate the cheapest airfare that you possibly can. When you make good use of the internet, you can make that happen. One example of a utility that you can use for this...... -
Saving Money in Five Minutes Flat Are you saving your money for a rainy day, but feeling as if you are always struggling to get ahead of the financial storm? You are certainly not alone. Prepare your financial umbrella with this quick, no nonsense guide to saving money in five minutes. - * First and foremost,......
Continue reading → Stashing Your Cash
December 26th, 2009 — Debt, Income Streams, Investing, Personal Finance, bad debt, good debt
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 into tens of thousands of [...]
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Getting Rich While Paying Debt Off One of the wisest things that you can possibly do this year, if you are not already doing it, is to become debt free. Here is something that you may not currently be aware of: Gaining a control over your finances that you did not previously have could actually make...... -
How to Evaluate Your Financial Risks Whether we realize it or not, many of us face financial risks every single day. From the high powered investor, to the minimum wage earner, every one of us has the potential to lose everything we own. How can you evaluate your financial risks and find ways to secure your...... -
How to Create Multiple Streams of Income The Easy Way Every single one of us would be thrilled to have more money coming into our homes every month. If you’re relying on one or two paychecks as the primary earnings for your income, you can relate that it’s pretty tough to get ahead. Everyday expenses chip away at our standard...... -
3 Reasons Why You Need Multiple Streams of Income One of the hottest concepts right now is the premise of creating multiple streams of income. While everyone wouldn’t mind making a little extra cash, there are even more benefits that can be reaped from having more than one source of income. Let’s go over just a few of them....... -
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......
Continue reading → How Far Into Debt Should You Go?
December 21st, 2009 — Debt, Money, Personal Finance, bad debt, credit cards, credit score, good debt
For many Americans, dealing with a low credit score can be incredibly frustrating. It’s tough to get any loans and in some cases, it may even affect your prospects for employment. If you’re sick of dealing with a low score, it’s time to starting putting into motion some techniques that will help your score go [...]
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The Meaning of a Credit Score I do not suppose you know what your credit score means do you? Do you really? I think you might want to take another moment to think good and hard on that, because in September of 2004, the Consumer Federation of America reported that of one thousand Americans they surveyed,...... -
Improve Your Credit Today Having blemished credit is both costly and stressful, but it does not have to be the end. Your situation may seem incredibly hopeless, but bad credit does not last forever. There are many things that can be done to improve your credit score. 1 - Stop using any of your...... -
These Things are Hurting your Credit Score A person's credit score has become very important in this day and age. Your score is what creditors and lenders look at to quickly decide if you are a good or bad risk to lend credit to. It is important that you learn what types of actions hurt your score...... -
Regularly Checking your Credit Score is Vital In these financial times which are clearly tumultuous and tight, it is absolutely vital that you take the time and make the effort to check on your credit report and credit score on a regular basis. This statement is more true today than ever before, because we live in a...... -
Credit Karma -- Free No Strings Credit Scoring Never before have Americans been so interested in their credit scores, and as such, numerous sites have cropped up offering to sell them. It can get pretty expensive if you want to keep checking your score with these sites and many people discover hidden monthly fees that rack up quickly.......
Continue reading → 4 Easy Ways to Raise Your Credit Score
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 Work Less and Make More Money With Multiple Streams of Income Most of us would like the chance to spend more time with our families, work a lot less and still bring in a sizeable income. If you’re only going to rely on your current income, the chances of that happening are pretty small, unless you’ve got an incredible job. However,...... -
Making Extra Money With P2P Lending Peer to Peer lending is quickly becoming one of the hottest new ways to create multiple streams of income. While there is risk involved, there are various methods that can reduce the risks that individual investors face and provide protection against non-payments. If you're looking for an potential way to...... -
Fools Born to Buy Debt Allow Wall Street Exports to Boom With the fall of the stock market, the collapse of the economy became clear. The real driving force behind it, however, was the failure and dropping confidence in the largest bond market of the world. Known as structured finance, it has led to a crisis which rivals the Great Depression,...... -
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....... -
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 → Introduction to Mortgages pt 1 of 5
November 18th, 2009 — Debt, Investing, Money, Personal Finance, credit cards
In macroeconomics, two important financial structures are the present value and future value. Below is a discussion describing the two structures, and how they differ from one another.
Present versus future value is analogous to the concept that today’s dollar will be worth more in the future. This concept is realized when that dollar is invested [...]
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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...... - Saving Money with Your Credit Cards pt 1 When it comes to personal budgeting, we tend to try to think of ways that we can cut corners while cutting down on any frivolous expenses in our lives. What many people are not apparently aware of however is that you can actually make use of credit cards to help......
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Saving Money with Your Credit Cards pt 2 Continued from part 1... Another type of credit card that you can use to save money is one that offers frequent flyer miles or air fare rewards. Airfare is expensive, and if you fly relatively frequently then you are probably well aware of how expensive it can be to fly....... -
Get Rid Of Your Credit Card Debts Credit card debt consolidation is a quite effective option of eliminating your credit card debts. Getting into credit card debt is really harmful for your credit score. It is even worse if you let it accumulate. At present, an average American household carries credit card debts of over $8,000 which...... -
Consumers Need to Exercise Caution as Credit Card Rates Climb 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......
Continue reading → Present Value and Future Value – Understanding the Difference
September 13th, 2009 — Financial Security, Investing, Personal Finance, trusts, wills
One of the worries that plagues many Americans is the issue of wills and estate planning. Many vehicles exist for handling an estate in the case of a death, most of them applying in particular or exacting ways. However, there is a new vehicle in play that can provide unmatched flexibility. This vehicle is a [...]
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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...... -
Debt Warning Signs and How to Get Out Over the past decade, an insane amount of debt has been wracked up. Household debt has significantly eaten up a slice of personal income since around the mid 90s. Here are four clues that you are carrying too much debt: Clue 1 - Your debt to income ratio is too...... -
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...... -
Should You Pay for Your Child's College Education? Paying for college for yourself or for a child can drop you into debt faster than many other things. Aside from huge disasters like medical emergencies or a home fire, more people get into higher debt by paying for college than any other reason. The best advice for long term...... -
How to Undo The Results of Financial Trauma Whether you’ve lost your home or your job, or your money management skills over the years have left you severely in the hole, it is never to early to start turning things around. You can bounce back from financial trauma, but it will take some effort and dedication on your......
Continue reading → New Trusts, Will they Help?
