• How to Get Fast Cash to Buy a New Car

    Updated: 2012-02-29 19:26:30
    If you’re looking to buy a new car, you of course need to consider where the money’s going to come from. Unless you are on a really good wage, and you can pay cash. It is unlikely that you were going to be able to afford a new car. You might have to settle for [...]

  • Asset Backed Finance – Personal & Business

    Updated: 2012-02-29 16:17:58
    Asset backed finance is what it says in the title, money that is borrowed against the security of an asset which backs the loan. It can apply in personal and business situations. Personal Asset Finance A mortgage on your home is the best known form of asset backed finance. You borrow a sum, say up [...]

  • 10 Signs You Need to Talk to a Bankruptcy Attorney

    Updated: 2012-02-29 02:51:29
    Bankruptcy is a very real situation that can happen to anyone. Even rich people who have huge savings in their bank accounts can fall victim to bankruptcy if they do not pay attention to their way of life. Getting stuck in a debt problem is a serious matter. If you find yourself in any of [...]

  • 14 Frugal Uses for Your Income Tax Return

    Updated: 2012-02-28 19:57:56
    Are you getting a tax refund? If so, what do you plan on doing with it? Here are some smart ways to spend your tax return.

  • Personal Loans With Bad Credit – A Few Tips That Will Help You in This Quest

    Updated: 2012-02-28 18:50:30
    Many individuals believe that personal loans with bad credit is next to impossible and that only if you have a good credit rating will you be able to qualify for the loan. However, with the damage already being done, there is nothing that you could possibly do about the past. The only hope is to [...]

  • Why Willpower Isn’t the Secret to Saving Money

    Updated: 2012-02-28 13:17:29
    Is the secret to saving money simply using your willpower? Not according to one author. Read why saving money might have more to do with automatic budgeting and less about resisting that daily latte.

  • When is the Right Time to go Bankrupt?

    Updated: 2012-02-28 08:07:31
    Deciding when to declare bankruptcy and filing for it is a personal decision. If you are facing bad credit and have a no other options left you should consider it. However it should be the last resort as it can leave a negative impression on your credit score of more than 10 years.

  • Grants by Obama – Apply For Grants For Single Mothers

    Updated: 2012-02-28 07:25:38
    Many of you already know that there are grants available for single mothers as well. However, many of you may not be sure how to apply for these grants. In order to apply for them you should know which single mother grant suits best your needs. There are two types of single mother grants. The [...]

  • Should You Bank in the Cayman Islands?: A Visual Guide to Tax Havens

    Updated: 2012-02-27 23:07:19
    Are offshore accounts only for spy movies or the super rich? These so-called "tax havens" are used by regular people, too. Check out this infographic to explore the world of offshore banking.

  • Is Debt Relief For You?

    Updated: 2012-02-27 13:05:01
    Debt Relief and You – Knowing What’s Best If you seek or are in need of credit counseling or other services, you will need to find those on your own after taking the time to educate yourself on your available options for debt relief, credit repair, and other financial stabilizing tools. The information in this article [...]

  • Credit Sesame’s New Interactive Mortgage Map

    Updated: 2012-02-27 09:11:05
    Credit Sesame’s New Interactive Mortgage Map Credit Sesame might be best known for offering people a free credit score every month but they make their money by providing mortgage quotes . That makes sense given how sensitive mortgage interest rates are to credit scores . They just rolled out a new tool called the Mortgage Map that lets you visually compare various mortgage loan options . Here’s an example : screenshot The vertical axis appears to be savings refinance or cost new loan and the horizontal axis appears to be interest rates . Different colors denote fixed-rate , variable-rate , and interest only loans . A little house icon appears for refinance quotes to indicate your existing loan . Mortgage rates are still reaching new historic lows , so it’s good to be aware of the options

  • How to Find a Student Loan Consolidation Program

    Updated: 2012-02-27 02:53:14
    Student loans catch up with you fast. You work hard through four or more years to get the education you need for the career you’ve always dreamed and though graduation day is anticipated, it’s also dreaded. Graduation from college is bittersweet. You enter your new life and start your independent voyage into the life you’ve [...]

  • Carnival Roundup – Feb 26,2012

    Updated: 2012-02-26 23:35:43
    My Retirement Blog was included in the following carnivals in the past week. Thanks to all for including my post. Yakezie Carnival at Financial Success for Young Adults Carnival of Financial Camaraderie at Thirty Six Months Totally Money at Control Your Cash Festival of Frugality at Penniless Parenting Canadian Finance Carnival at Canadian Finance Blog [...]

  • Government Grants For Women Belonging to Minority Groups – Apply Today

    Updated: 2012-02-26 18:51:50
    For the people who believe that the grant programs are only provided to men, they are certainly mistaken. The government sets out separate grants from the general grants only for women and minorities. Government grants are free money that can assist you in whatever the goal you are trying to achieve but are being unable to [...]

  • Loans For College Students – Are You Alone?

    Updated: 2012-02-26 02:49:52
    Getting good quality education is something that should be bestowed to all children, regardless what the income of their parents is. Fortunately, bright kids with limited financial resources now have a way of getting good education. Thanks to the available loans for college students, no one is left out and almost everyone who applies for [...]

  • Beware of Paying Upfront Loan Fees

    Updated: 2012-02-25 19:26:08
    We have all seen the adverts, both online and offline from loan companies advertising their services as loan brokers. The customer completes the online application form, submits it to the broker and then awaits a call. True to form the broker calls the customer back and tells them that ’subject to a few more points, [...]

  • Life Expectancy and Finance

    Updated: 2012-02-25 11:59:09
    It is surprising what you need to consider when reviewing your financial position. Life expectancy is having a major impact on some of the outcomes on financial products and it is as well to be prepared. What is Life Expectancy Definition of life expectancy is the average number of years a new born baby can [...]

  • Pension Annuities – a Quick Guide

    Updated: 2012-02-25 05:09:56
    A guide to pension annuities and retirement options in the UK. What are Pension Annuities? Bought at retirement age a pension annuity converts a person’s pension fund into a regular income that will be paid for the rest of their life. There are several different types of annuities that are available. In the UK, annuity options on [...]

  • 6 Smart Tips to Reduce your Home Loan

    Updated: 2012-02-24 11:34:12
    Paying back the home loan is undoubtedly the smart goal, if you really want to live in a house for the long haul. There are many people who believe that paying off home mortgage is a bit intimidating, but it’s entirely possible to shave off your mortgage payment easily by reducing your home loan.

  • Economists View of House Pricing

    Updated: 2012-02-24 03:00:30
    House prices in the UK are still one of the most popular topics of conversation. House prices virtually trebled between the mid 1990s and 2006. This created a situation where homeowners saw tremendous gains in wealth whereas those struggling to get on the property ladder felt left behind. Since 2006 there has been a reduction [...]

  • Helpful and Free Online Calculators

    Updated: 2012-02-24 00:00:52
    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 Helpful and Free Online Calculators by Guest Author 0 comments Tweet When it comes to improving your finances , free tools and resources should never be turned down . Especially when they’re available online and can be accessed 24 hours a day from anywhere on Earth . Here are a few free online calculators that will help you in many different areas of your financial life . Whether provided by the federal government , nonprofits , or privately owned entities , online calculators are particularly useful when it comes to finding ways to eliminate wasteful spending and

  • Control Spending on Financial Products

    Updated: 2012-02-23 09:16:20
    You can effectively control or improve the effectiveness of your spending on products from the financial services market. Only buy what you need at a good and fair price. Some products will be much more helpful and beneficial than others and you should set out with a clear idea of why you need a particular [...]

  • Advice Buying or Selling a House

    Updated: 2012-02-22 11:47:18
    The trouble is we do not know what we do not know! With the largest purchase of your life that can be an uncomfortable place to be, so do something about it! For once we are not providing the tips and advice but refer you to recently published books that could help and could save [...]

  • Your Own Mortgage Audit

    Updated: 2012-02-22 10:59:01
    This is a simple three step process to protect yourself and family. Audit or check out your options given any likely events impacting on your ability to pay your mortgage. 1. At the first sign that cash for mortgage repayments is getting tight prepare a contingency plan. 2. Check what benefits you may be or [...]

  • Top 6 Components for Maintaining Good Credit Scores

    Updated: 2012-02-22 07:55:42
    A great credit record is an advantage during these tough economic times. Loans and credit are hard to come by if your credit score is not in good shape. Not only that but if you do find a loan or credit when your credit score is not stellar you will likely be paying over the top interest rates. So how do you get and maintain a good credit score?

  • Court Halts Fake Debt Collector Calls from India, Grants Request to Stop Defendants Who Posed as Law Enforcement

    Updated: 2012-02-21 20:16:00
    , 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 Scams Court Halts Fake Debt Collector Calls from India , Grants Request to Stop Defendants Who Posed as Law Enforcement 21. February 2012 by Allen At the request of the Federal Trade Commission , a U.S . district court has halted an operation that the FTC alleges collected phantom payday loan debts that consumers did not owe . nbsp

  • Check Your Mortgage Statement

    Updated: 2012-02-21 08:51:55
    You have only to read the letters pages in business supplements of the newspapers. Many carry requests for help to obtain redress for computer errors, lost documents and over charges. At least these letter writers know there is an issue or problem. If you do not check your mortgage statement you may never know if [...]

  • Good Debt versus Bad Debt

    Updated: 2012-02-20 17:08:34
    Think before you take on any debt! Good versus bad debt may be worse than no debt. Financial confusion can be created by the very people who should be helping you. Forgive me for starting with obvious definitions. Debt An amount of money or value due from one person to another. Debtor The person who [...]

  • Retirement Links Roundup – President’s Day Edition

    Updated: 2012-02-19 19:27:33
    I was privileged to host the Carnival of Retirement this week. I also participated in the following carnivals. Yakezie Carnival at 101 Centavos Carnival of Financial Camaraderie at My University Money Totally Money at Faith Money Values Carnival of Financial Planning at 20′s Finances Carnival of Retirement at My Retirement Blog

  • What Types of Financial Aid Must Be Paid?

    Updated: 2012-02-17 07:29:33
    Do we need to pay back college financial aids? Well, it depends on the types of aid you receive. Not all financial aids need to be paid back. Take a look at the various types of financial aid that there are. Take for example, federal grants; these types of grant money do not need to be paid back. They are awarded based on financial need.

  • Our 2012 Debt Snowball

    Updated: 2012-02-15 19:21:56
    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 Our 2012 Debt Snowball by Matt Jabs 2 comments Tweet The successful short sale of our home brings an end to our financial uncertainty and a revitalized focus on our debt . snowball A new budget In case you hadn’t heard , we moved to Hendersonville , NC and are renting a house . We plan to rent for the foreseeable future while we continue to pay off debt and . save A return to fixed housing costs has quickened our ability to fine tune the budget and set aside a precise amount for accelerated debt repayment . We have a few less bills and very low recycling and trash costs

  • Mortgage Relief Scammers Banned From Doing Business Permanently

    Updated: 2012-02-15 09:56:00
    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 Featured Scams Mortgage Relief Scammers Banned From Doing Business Permanently 14. February 2012 by Allen Defendant Ordered to Surrender Yacht , Cadillac , and Rolex At the request of the Federal Trade Commission , a U.S . district court put the mortgage relief business permanently off limits to marketers who allegedly charged thousands of consumers up to 2,600

  • Maintaining a Number of Credit Cards Guarantees Good Credit Scores – Myth or Fact?

    Updated: 2012-02-14 06:55:18
    A consumer's credit record, sometimes called a credit score, is an appraisal that lenders use to evaluate the consumer's merit when issuing credit. Typically, those with high credit scores are less likely to default on a loan than those with lower scores. Consumers with bad credit records are deemed to be high-risk borrowers. Having a good credit history will aid a borrower in securing a loan and getting credit cards. Those with good credit may have a number of credit cards. However, what exactly does maintaining a number of credit cards do to a consumer's credit score?

  • Carnival Roundup 2-13-12

    Updated: 2012-02-12 21:17:27
    My Retirement Blog participated in the following carnivals recently. Yakezie Carnival at Steadfast Finances Carnival of Financial Camaraderie at Newlyweds on a Budget Totally Money at 20′s Finances Canadian Finance Carnival at Canadian Finance Blog Carnival of Financial Planning at Skilled Investor Blog Carnival of Retirement at Financial Success for Young Adults

  • I’m Looking for a Credit Card for People with No Credit – Is There Any Hope?

    Updated: 2012-02-10 06:51:49
    Not having a credit history can affect your eligibility for credit cards and mortgage loans. When you don’t have a credit history to show, it can be a difficult task trying to get approved for any type of credit. It can also be very frustrating because if you don’t have credit, and no one is willing to give you credit to establish a credit history, how will you ever get one?

  • NCO Financial Systems Ordered To Pay Restitution

    Updated: 2012-02-08 12:01:54
    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 NCO Financial Systems Ordered To Pay Restitution 8. February 2012 by allen I see that NCO Financial is still breaking debt collection laws . I myself several years ago had a bad experience with them , and I got paid for my troubles . It’s good to see that at least one state is holding them . accountable The tables have been turned on a

  • TD Ameritrade Online Cash Services $200 Bonus

    Updated: 2012-02-08 08:52:53
    TD Ameritrade Online Cash Services 200 Bonus It looks like TDA is following the trend of combining checking account features with their traditional brokerage accounts . If you have a TD Ameritrade account this looks like a pretty easy 200 bonus . score Visit this promotion page to sign up for Online Cash Services and if you 1 sign up for a Visa debit card and make 4 purchases of 10+ by 3 31 12, and 2 enroll in BillPay and pay 4 bills totaling 100 between 1 15 12 and 3 31 12, you will get 100 each 200 total . Both the debit card and online BillPay are free services . Many of you many have old , inactive TDA accounts that are still open and you can fund them to take advantage of this promo . Offer not valid for existing debit card holders or bill pay users boo Via reader Michael via FW Find

  • 15 Ways to Reduce Core Expenses and Debt

    Updated: 2012-02-08 00:00:44
    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 15 Ways to Reduce Core Expenses and Debt by Guest Author 0 comments Tweet Being in debt can often feel like living in an inescapable hole . Unless you’re pursuing medical or law careers or a high-paying business idea it’s often difficult to insure your earnings will match or exceed your expenses and debt . As a result , the debt isn’t paid off and the interest keeps on accumulating . The hole grows deeper and . deeper Of course , reducing your expenses is always a prudent way to put more money toward debt payments . However , many times when people look to reduce

  • 6 Smashing Tips on Asking for a Loan with Bad Credit

    Updated: 2012-02-07 07:18:33
    Are you in search of a loan but have less than perfect credit? - Don't worry. At least that's what some lenders advertise. There are several lending companies that have special programs that cater to all types of credit problems, but it takes time finding a reputable company that will make good on their promise. Here are 6 smashing tips to help you find a loan with bad credit.

  • Prepaid Phone Card Marketers Agree to Pay $2.32 Million to Settle Charges

    Updated: 2012-02-06 20:10:00
    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 Mobile Marketers Warned That Mobile Apps May Violate Fair Credit Reporting Act Home Consumers Debt Scams Prepaid Phone Card Marketers Agree to Pay 2.32 Million to Settle Charges 6. February 2012 by Allen An operation that marketed prepaid calling cards to immigrants has agreed to pay 2.32 million as part of a settlement to resolve Federal Trade Commission charges that they made

  • Legal Action Halts Telemarketers Who Sold Bogus Credit Cards

    Updated: 2012-02-06 20:07:00
    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 Prepaid Phone Card Marketers Agree to Pay 2.32 Million to Settle Charges Home Consumers Debt Featured Scams Legal Action Halts Telemarketers Who Sold Bogus Credit Cards 6. February 2012 by Allen Allegedly Charged Illegal Up-Front Fee , Took Consumers' Money Without Their Consent At the request of the Federal Trade Commission , a federal judge has temporarily halted a telemarketing

  • Retirement Links Roundup – Super Bowl Edition

    Updated: 2012-02-06 00:06:59
    I’m spending today watching the Super Bowl rather than blogging but I do want to give a quick thanks to the following blogs for including my posts in their Carnivals. Yakezie Carnival at The Amateur Financier Canadian Finance Carnival at Canadian Finance Blog Carnival of Financial Planning at The Amateur Finacier

  • The Good & Bad about FHA Mortgages

    Updated: 2012-02-03 07:30:20
    Purchasing a home is one of the most important decisions a person takes. Taking the big plunge and purchasing a dream home is a great accomplishment and is the American Dream come true. Shopping around and looking at beautiful homes for sale that could one day be yours is exciting! However an important aspect of purchasing a home is the mortgage payment and plans. Before you decide financing options, take a look at the good and bad about FHA mortgages.

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