• Mortgage Refusals in a Tight Market

    Updated: 2012-01-31 15:34:08
    ‘Just when you thought it was safe to get back in the water……..’ You think you have your mortgage ducks in a row but you still get a refusal. The reasons for many of the current mortgage refusals include the lenders own problems, a perception of your status problems or a property related problem. Above [...]

  • Wealth Creation Tips – Are You in Charge of Your Money Or Not?

    Updated: 2012-01-31 14:29:22
    If you have noticed, financially confident individuals are in control of their money. By laying a foundation on how to control your money, you can be sure of realizing financial freedom and live a confident life style. In addition, being able to plan and control your expenditure is the commencement of wealth creation. Let me mention [...]

  • Economic Good News

    Updated: 2012-01-31 08:35:54
    ‘Comparisons are as bad as cliches’ or so says the quote at the foot of my daily calendar on this last day of month one 2012. Not withstanding that I am in continued pursuit of good news for the economy and our personal finances. Good News In the Month The total amount of personal debt [...]

  • Tips to Get a Personal Loan For People With Bad Credit

    Updated: 2012-01-31 07:26:03
    There are many people with poor credit who think it is impossible to get a loan for their personal purpose. But are they right in their opinion? The answer to this question is no. With useful information on poor credit personal loans, a person can easily obtain such loan. Below are some important tips on how [...]

  • High Alert! What to do in Case of Credit Card Fraud?

    Updated: 2012-01-31 06:47:40
    Some common kinds of credit card fraud acts include stolen credit cards, obtaining access to credit card information and identity theft. Usually in such a case, contacting credit card providers promptly to secure the credit card account and avoid further thievery can solve the problem. Government regulations eradicate or decrease a credit card fraud victim from monetary accountability for illicit charges or purchases.

  • Debt Buyer Asset Acceptance LLC Agrees to Pay $2.5 Million for Consumer Deception

    Updated: 2012-01-30 18:58:00
    Consumer Complaints , Consumer Advocates , Debt , Consumer News , Personal Finance , Consumer Watchdog , Consumer Scams FMD Consumer News A consumer news , consumer advocate and information website to help consumers fight bad businesses , debt and expose consumer scams . Allen is well known as the Most Dangerous Consumer in America” and is a veteran consumer . advocate Home Archive ABOUT Contact Search ADVERTISE Home Consumers Debt Debt Collectors Featured Debt Buyer Asset Acceptance LLC Agrees to Pay 2.5 Million for Consumer Deception 30. January 2012 by Allen Firm Also Will Notify Consumers with Time-Barred Debt That It Will Not Sue to Collect One of the nation's largest consumer debt buyers has agreed to pay a 2.5 million civil penalty to settle Federal Trade Commission charges that it

  • Are Pawn Shops, Rent-to-Own and Other Loan Alternatives Worth It?

    Updated: 2012-01-30 13:50:14
    There is a growing population of folks who don't have a relationship with a mainstream lender. Meaning, no checking or savings account and no credit cards. This also means so prospects for loans. While this might sounds like bliss to some, the loan alternatives can be costly.

  • Instant Personal Loans – Quick Financial Service For Effective Help

    Updated: 2012-01-30 13:01:20
    Most of the people believe that availing a loan is a time consuming process with lots of formalities. But you can have the assistance of the loans without such problems if you apply for the Instant Personal loans. It is a solution if you are having short term financial crisis. The prominent features of this [...]

  • Saving Money on Council Tax

    Updated: 2012-01-30 10:53:19
    When the Government introduced the Council tax in 1991, they rushed to get houses valued. They outsourced the job to estate agents and other people. Usually, they would make valuations just be having a quick look at the outside of the house and making a best guess about what value it was in. Since 1991, [...]

  • There Are Plenty of Free Government Grants For Women Small Business Owners

    Updated: 2012-01-30 05:00:30
    The fact that minority groups only own eight point five percent of the small businesses in the country as noted by Congressman Mike Honda of California is a trouble fact. Mike Honda is the Chair of the Pacific-Islander Caucus within the United States Congress. Honda has tried to work hard to expand government grants and [...]

  • These 3 Steps That Are Required Before You Can File For Bankruptcy

    Updated: 2012-01-29 19:25:30
    When somebody says they’re going to file for bankruptcy it sounds easy right? Well, in order to file for bankruptcy there are some steps that need to be followed. There are 3 changes that now affect people before filing and they are the ticket in, the means test, and the ticket out. Ticket In – If [...]

  • Personal Finance Mumbo Jumbo & Chips

    Updated: 2012-01-29 00:33:47
    A few pointers on personal finance may help you to dance around the Mumbo Jumbo and gobbledegook you get from professionals and advisers. Professionals carry baggage. They have a living to earn, standards committees to satisfy and a ‘been their done that’ attitude bordering on arrogance. Give me a committed amateur not a do as [...]

  • Getting a $5,000 Loan With Bad Credit – Is it Smart to Do?

    Updated: 2012-01-28 23:35:52
    When you have bad credit, it may seem that there is no way to survive unless you get quick cash. Most people that take out loans end up really trying to get themselves money so that they can afford basic things like food, clothing, and their bills. If you have ever ended up in a [...]

  • Free Cash Grants – Fantasy Or Reality

    Updated: 2012-01-28 14:05:40
    By definition, a grant is a gift. It is not a loan and you are never asked repay it. A grant can originate from any one of several, such as the federal government, your state government, a corporation, a foundation or a non-profit organization. Sometimes, you receive actual cash. Most of the time, you receive services [...]

  • 0% APR Balance Transfer Promotion Updates

    Updated: 2012-01-28 10:52:24
    0 APR Balance Transfer Promotion Updates If you’ve been thinking about a 0 balance transfer here is some news that may help you make your decisions . This is the best info that I have , you can judge me on the accuracy in the future . Right now both the Citi Platinum Select Mastercard and the Citi Diamond Preferred Mastercard have 0 APR on balance transfers and purchases for 21 months . Balance transfer fee is 3 with a 5 . minimum No annual fee . My unofficial sources tell me that the 21 month offers from Citi will be cut to 18 months starting on February . 1st In addition , the Discover More Card No Balance Transfer Fee has 0 APR for 12 months but with no balance transfer fee No annual fee . My unofficial sources tell me that this will be extended for the rest of February , but after that

  • Home loan refinance can be one of your best options

    Updated: 2012-01-28 05:31:28
    Home loan refinance can be one of your best options if you still want to have ownership over your home. However, you should also be very careful on the different traps that go along with it. At least once in your life you dream of living in a comfortable home. It can be located in [...]

  • Betting on the Bowl: How Much is Wagered on the Big Game?

    Updated: 2012-01-28 01:03:14
    The amount wagered on the Super Bowl is the equivalent of a massive industry and most of the money goes untaxed. View this infographic to take a look at the numbers, as well as some very strange bets that get placed on the big game.

  • Using The Law For Credit Repair

    Updated: 2012-01-27 13:29:24
    Credit Repair results are best accomplished with leverage. There is little use in engaging the massive credit reporting system without a clear and precise knowledge of the areas where you will be able to gain a foothold. The system is cumbersome and prone to indolence. Where there is no advantage to the credit bureaus to [...]

  • Renting Vs. Buying

    Updated: 2012-01-27 13:29:14
    Choosing whether to rent or buy is one of the most important decisions in your life. Make sure to take the time to consider all the factors before making it. Here are a few things to consider.

  • How To Check Your Credit Report for Free – GS20

    Updated: 2012-01-27 13:25:53
    If you haven't checked your credit report in a while, lets do it today. While there are many sites that will charge you to check it, you can get a copy of your report from the big 3 credit reporting agencies for free

  • 10 Questions to Ask When Buying Property Overseas

    Updated: 2012-01-27 09:56:33
    Whatever your reason for buying abroad there are some basics that need to be covered. A family retreat or holiday home in the sun, a retirement home, a rent producing investment or an upmarket city center crash pad the issues are similar. First Questions How easy or difficult is the buying process in your chosen [...]

  • 4 Tips to Improve Your Chances of Getting a Student Loan

    Updated: 2012-01-27 07:26:44
    For the 66% of scholars with educational debt, doing homework leads to smart financing. Now that most of this year’s pomp and circumstance, cap-tossing, and graduation parties are in the memory banks, the reality of paying for college or graduate school is setting in. According to FinAid, two-thirds of students borrow to pay for school – [...]

  • What You Need to Know About Bad Credit Signature Loan

    Updated: 2012-01-27 07:01:27
    In an ideal situation, having money set aside for emergencies would be the best thing. However, this is not the world we live in today. Most people don’t have adequate savings set aside for a rainy day. A bad credit signature loan can help in situations like these.

  • Will 2012 See a Housing Turnaround?

    Updated: 2012-01-26 21:43:11
    Despite mixed results in the housing sector, many homebuilder stocks are outperforming the overall market by a large margin. Could this be a sign of a housing turnaround in 2012?

  • Predictions for Pound Sterling in 2012

    Updated: 2012-01-26 09:31:06
    The UK has experienced its longest post war recession, and the deepest since the Great Depression. In 2011, the recovery was disappointing, and prospects for the rest of 2012 are poor. However, the UK recovery is likely to be relatively better than the Eurozone, which retains even more serious problems. Therefore, despite the fact UK [...]

  • Does Paying off a Loan Increase Credit Score?

    Updated: 2012-01-23 07:44:12
    Does paying off a loan increase someone’s credit score? Experts say it does. Shelling out cash to pay off a loan is almost always an excellent plan. Reimbursing the amount in full to a creditor helps, no matter what type of loan it is. Whether it is an auto loan, consumer credit loan, bank loan, credit card advance or home finance loan, paying it off has a double reward.

  • Cash Envelopes For Couples

    Updated: 2012-01-23 00:00:36
    Home About Archives Blog Contact Subscribe RSS Feed Free Updates YouTube Fan Us Twitter Pay off debt . Save . Give . Live your . mission Credit Scores Debt Advice Savings Blog Debt Giving Investing 25 ING Bonus DFA Missions Cash Envelopes For Couples by Matt Jabs 0 comments Tweet Using cash envelopes can be a huge financial blessing for singles and couples . Many people steer clear because they’re unsure how to make them work in their . relationship Here are 4 great tips to help you get started . My goal is to get you to use them because they have saved us money , time , and financial stress for . years How do they save money You can argue cash envelopes won’t work for you but until you try it your point is moot . Keep an open mind , listen to our experience , and consider the benefits to

  • 2012 IRA Contribution Limits

    Updated: 2012-01-22 19:23:47
    2012 Combined Traditional and Roth IRA Contribution Limits If you are under 50 years of age at the end of 2012: The maximum contribution that you can make to a traditional or Roth IRA is the smaller of $5,000 or the amount of your taxable compensation for 2012. This limit can be split between a [...]

  • One in Ten Mortgages

    Updated: 2012-01-20 11:19:10
    HSBC aims to grow the number of mortgages that it provides. They have £15 billion available to lend during 2012 and that should give them 11% of the market. First time borrowers will also benefit from this new found enthusiasm for lending by HSBC if their marketing blurb is to be believed. 90% mortgages for [...]

  • How to Get Long-Term Installment Loans for Bad Credit in 5 Simple Steps?

    Updated: 2012-01-20 07:02:21
    Long- term installment loans provide you with the money you need to buy a home or fulfill other expenditures. However, it is difficult to get this kind of loan if you have a bad credit. In order to qualify for these kinds of loans, you should work on reviving your credit score by handling your finance effectively and carefully.

  • Review of Mortgage Types

    Updated: 2012-01-19 17:38:03
    There are a variety of mortgages available to suit your circumstances. The mix of different types of mortgage vary due to the way interest is calculated or on the type of person, property or deal to be done. Mortgage Types Based on Interest Charges Offset Mortgages are set up so that any money you have [...]

  • How Much Interest Are You Paying?

    Updated: 2012-01-18 20:25:35
    Home About Archives Blog Contact Subscribe RSS Feed Free Updates YouTube Fan Us Twitter Pay off debt . Save . Give . Live your . mission Credit Scores Debt Advice Savings Blog Debt Giving Investing 25 ING Bonus DFA Missions How Much Interest Are You Paying by Matt Jabs 54 comments Tweet H ow much interest are you paying on your debt Most people never stop to think about it yet the answer drastically affects their financial . lives I’m talking specifically about how much money you pay to finance your debt . If you have a mortgage , student loans , auto loans , and or credit cards you are likely paying interest on all of that debt . How much interest are you paying per year How much per month How much per day If you know the answer to this question you will know how many hours day you have

  • Historical Bond Yields vs. S&P 500 Dividend Yield

    Updated: 2012-01-18 10:29:21
    . Historical Bond Yields vs . S P 500 Dividend Yield Here’s a chart from a Morninstar article on dividend stock ETFs that caught my eye . It shows the historical relationship between the yield on 10-year US Treasury bonds and the dividend yield on the S P 500. I am not convinced that this means one should overweight dividend stocks over bonds , but it does provide some historical perspective . The last time the yield differential was around zero was in the . 1950s Click to enlarge . Source : Morningstar Analysts Since we are talking about such long time periods , let me throw in this chart showing ready for this the rolling 10-year average annual inflation adjusted total return for the S P 500 from 1926 through the end of 2011. Credit to Quant Monitor Click to . enlarge Find more in

  • Who qualifies for a Forbearance Agreement?

    Updated: 2012-01-17 06:55:00
    If you are unable to repay your loan for any reason, you can apply for forbearance agreement and avoid fines and penalties. It is temporary arrangement which can help you avoid a foreclosure and will be between you and your bad credit loan lender. They will be able to develop a plan to help you revive your credit score to manage your payments. A forbearance agreement is applicable for those who have not been able to repay their mortgage payments on time but are able to show that they have the capability of living up to the agreement. Who can qualify ...

  • Retirement Links Roundup – Extreme Makeover Edition

    Updated: 2012-01-15 17:30:22
    My wife and I watched the series finale of “Extreme Makeover” on the big screen at a local movie theater. The show was a big deal around here because it featured Joplin and lots of local people were affected by the tornado and/or were involved in the Extreme Makeover home build. The following carnivals were [...]

  • what is a revolving credit account

    Updated: 2012-01-15 08:00:00
    What is a Revolving Credit Account? Revolving Credit Account Revolving credit account is a form of credit such as credit cards that does not require a permanent number of payments as compared to installment credit

  • three important questions about credit repair for consumers

    Updated: 2012-01-15 08:00:00
    Three Important Questions about Credit Repair for Consumers Credit Repair People should always strive to maintain a good credit rating because it is an essential means to be eligible for debt and mortgages. Banks and other financial institutions make it a point to release loans based on consumers’ [...]

  • 123 test article

    Updated: 2012-01-13 08:00:00
    What are Credit Cards? Credit cards have both advantages and disadvantages. Having a credit card can help you finance your immediate needs; like purchasing a new plasma tv, an expensive diamond ring, and others. It functions like a quick cash system which most department stores accept in lieu of money. [...]

  • What is Your Secret to Saving Money?

    Updated: 2012-01-13 07:59:17
    Are there any secrets to saving money? Would you like to know what these secrets are? I’m not sure if you can still call them secrets because they’ve been around for a long time, it’s just that these common sense tips are so scarcely employed that it makes you wonder if the general public really knows about them or not. Have a quick look.

  • Lending Club Review [My Personal Experience]

    Updated: 2012-01-11 19:45:26
    Home About Archives Blog Contact Subscribe RSS Feed Free Updates YouTube Fan Us Twitter Pay off debt . Save . Give . Live your . mission Credit Scores Debt Advice Savings Blog Debt Giving Investing 25 ING Bonus DFA Missions Lending Club Review My Personal Experience by Matt Jabs 96 comments Tweet In this article I will review in detail the subject of borrowing from Lending Club and then provide perspective from several individuals who have experience investing with Lending Club . Enjoy Peer to Peer Lending with Lending Club My personal experience with Lending Club Lending Club is a social lending network that brings together investors and credit-worthy borrowers to offer value beyond traditional banks Borrowers with good credit can get personal loans from 1,000 to 25,000 at interest rates

  • How to Impress a Potential Home Buyer?

    Updated: 2012-01-10 07:15:59
    Selling a home can be a very exciting, yet stressful time in one’s life. Finding an agent, making repairs and renovations, trying to impress potential home buyers, and making the final arrangements can be very exhausting. But if you are looking for ways to make your home more attractive, here’s what you’ll need to do to impress potential home buyers and get the price you want for your home.

  • Choose Index Funds as a Long Term Investment

    Updated: 2012-01-09 00:00:35
    Home About Archives Blog Contact Subscribe RSS Feed Free Updates YouTube Fan Us Twitter Pay off debt . Save . Give . Live your . mission Credit Scores Debt Advice Savings Blog Debt Giving Investing 25 ING Bonus DFA Missions Choose Index Funds as a Long Term Investment by Guest Author 0 comments Tweet For young investors these days , there are a wealth of indicators out there that may dissuade them from almost every long-term investment vehicle available . We are told that Roth IRAs can be a bad investment . We see the stock market turning into a roller coaster that is no more predictable than the outcome of the European debt crisis . We hear that any collective savings fund , most notably Social Security , will be long dead and buried by the time we reach retirement . We realize that real

  • Simplify Your Financial New Years Resolutions

    Updated: 2012-01-06 00:00:53
    Home About Archives Blog Contact Subscribe RSS Feed Free Updates YouTube Fan Us Twitter Pay off debt . Save . Give . Live your . mission Credit Scores Debt Advice Savings Blog Debt Giving Investing 25 ING Bonus DFA Missions Simplify Your Financial New Years Resolutions by Matt Jabs 0 comments Tweet To start 2012, many people will set New Year’s resolutions to better their finances . Starting is the easy part , to follow through on the resolutions you will need to make sure they are simplified and . effective Employ these 3 tips to ensure your financial resolutions are a life long . success 1. Create a Spending Plan Budget Nobody likes the word budget so think of budgeting more like a spending plan . 8221 Rather than spending money with no plan and wondering where it went , create a plan

  • Why you Should Never Skip Mortgage to Pay for Credit Card?

    Updated: 2012-01-04 09:24:02
    In these tough economic times many Americans are not only late on their mortgage payments, but are also neglecting their monthly payment all together just to make ends meet.

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