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The loan modification portion of the stimulus package will provide millions of people with the opportunity to obtain financing which will allow them to keep their homes. However, just applying for a special home loan program doesn’t necessarily mean you’ll be approved. Regardless of which types ... Views: 2173
The following economic depression survival tips are all about preparation. With a bit of street smarts and a willingness to do what's needed you can survive losing everything. But it is better to prevent that from happening in the first place by being prepared for some worst case ... Views: 2171
So here he was, stuck in the office instead of watching his son play hockey. Meanwhile, Steve was out playing street hockey for three hours a day with his kids. What weighed more on Pete’s brain was that street hockey used to be the love of his life now, it was just a nuisance.
Although he’d ... Views: 2170
You've tried making more money. You've tried cutting back on expenses. You've tried borrowing and consolidating. You've tried some sure-fire quick fixes. You've denied the situation and justified it because others are in the same situation or worse. And besides, when the kids move out, go ... Views: 2167
Question: This stock market is nuts! How am I supposed to protect my IRA and 401k from losing money when I’ve only got three years until I retire? Bonnie, Ohio
Answer: A few years before retiring, if possible, you should begin to accumulate an amount of money that's equivalent to 2-5 ... Views: 2165
Researching your budgeting software options can be overwhelming if you’re just getting started. I believe that whatever is the most easily executable option—meaning that you can get set up and manage it consistently—wins out over anything else. The point is to get started, because that is the ... Views: 2163
Whilst the debate about financial education in schools continues, parents need not wait to teach their kids about money. Here are 7 things that every teen should know about money.
Manage your money - Show your money who’s boss by putting a money management system in place. Divide your income ... Views: 2145
Dear Steve,
I am a caregiver to my quadriplegic husband since 2006.The credit cards are at their limit,I didn't help any by going overboard at x-mas. Also if something is or says medical it is expensive,and medicaid and medicare only cover so much. So I spend a lot on things for his care and ... Views: 2129
For all that I go on about how money is just energy, has no meaning other than what we attach to it, and how there is no shortage of it, I still find myself feeling a lot of anger towards the guys on Wall Street who took an average of $12 million each in bonuses.
The fact that they took the ... Views: 2120
A fixed annuity is a kind of financial instrument that is constructed to act as a source of income. Most usually, this kind of financial instrument is set up by people preparing for retirement.
Annuities in general refer to financial investments that are paid into and can later be accessed ... Views: 2118
When reverse mortgages were first introduced back in 1961 they were initially designed for cash strapped seniors to tap into home equity to supplement retirement income and many still continue in this philosophy. However, Realtors, Elder Care Attorneys and even Financial Planners are endorsing ... Views: 2107
It is not always important that some lame reasons such as not paying the credit card bill on time or asking for number of credits will become a cause for the cancellation of the cards or harming your pre existing scores.
However, if you fail to realize its worth the it will also lead you to ... Views: 2105
An annuity is a contract that you purchase from an insurance company or other financial institution that guarantees a lifetime income stream. For a lump sum payment to the issuer of the annuity, you are can receive either a lump sum, a certain number of payments or any combination of payout ... Views: 2101
This is a product review for the Horizon Gold Credit Card.
Horizon Gold Credit Card Review- What is It?
Are you in a situation where you want to build credit, or rebuild your credit score, but you are unable to qualify for a major credit card, and don't have the necessary funds to put ... Views: 2083
The Federal Reserve Bank recently nudged interest rates higher, increasing the federal funds rate to a range of 0.75 percent to 1 percent.
The boost to the Fed’s benchmark interest rate wasn’t unexpected, and officials have indicated there are more increases to come. After providing stimulus ... Views: 2083
Retiring from ones job can be a stressful time but it doesn’t have to be. Realize that it’s natural to be nervous, anxious and/or confused when you’re going through a major life change. Your decision to retire is causing you to step outside your comfort zone and is forcing you to make many new ... Views: 2066
When you are in debt, you realize that rebounding from the financial crisis will be your biggest aspiration at the moment. Your very thoughts will be filled with the desire to get yourself out of it. This is a natural response for anyone who is burdened with credit obligations that have gone out ... Views: 2060
The average household will go into some sort of debt in order to keep up with their ideas of providing a good Christmas for their children. In stable economic times, it took most people six months to pay off their Christmas debt and many, around 1 in 4 according to some statistics, will still be ... Views: 2060
There are some sentences rich people love saying, but can drive ordinary people crazy. Rich people can be so annoying, don't you think? People should not just make money without thinking about the world around you.
1.“10 000 a month may sound like much, but still I'm not quite rich.”. Rich ... Views: 2054
If you're constantly struggling to make ends meet on your current income, it might be time to tighten the budget. Unfortunately, many people cringe at the idea of budgeting, believing it means living like a miser or going without the things you enjoy.
In reality, there are some simple and ... Views: 2052
The mortgage debt elimination process that we're going to share with you will, without a doubt, put you on the right path towards eliminating your mortgage payment. Once you begin putting these strategies to use, you'll be much happier as you rid yourself of that burdensome debt. ... Views: 2047
"The waste of money cures itself, for soon there is no more to waste." -M.W. Harrison
Divorce is a major undertaking and transitional time for many. Your emotions are usually running very high during the beginning of your divorce. There are many mixed feelings; you will feel like you are on ... Views: 2033
Sometimes conflict and stress in our relationship and/or finances can be the force that wakes us up to the ways we’re not being honest.
Your wake up call might be not having enough money coming in each month and watching the credit card bills add up. It might be getting older and knowing you ... Views: 2032
Traffic continues to grow daily for coupon research and discounted price searching online at the new “save money” website from Coupons and Codes. This Madison, Alabama based Internet .com start-up appears to understand the wants and needs of an Internet savvy market and seems to have captured ... Views: 2032
Personal finance is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future ... Views: 2031
Financial adversities can affect your life anytime. There are times in your life when you need quick cash to deal with the unexpected troubles that arise without giving any warning. These loans pave a way to live a happy and stress free life. This loan facility is a boon for those living in the ... Views: 2017
With the current economic climate everyone is looking for money management tips that will help ensure financial security. We all want to save money and get the best value for our dollar, yet it often seems as if we struggle just to make ends meet, leaving little left at the end of each ... Views: 2014
Anyone who has been through a divorce can probably tell you the horror stories of how much money they spent just getting divorced. With my divorce, let’s just say that with the amount I spent I could have supported a large village in Africa for a year. At the time, I was willing to pay just ... Views: 2004
What is a family budget?
A family budget is a set of instructions or laid-out-in-advance procedures which act as a guide to paying your bills, buying things members of the family need, putting aside some money as savings, and so on and so forth. Nobody in your household should spend any money, ... Views: 2003
If you are constantly on a shoestring budget and are always out of cash, take a good look at your spending and lifestyle habits. You will find that by making a few minor changes, you can both fatten your wallet and have a savings account to fall back on.
Saving money is not difficult. It’s ... Views: 2002
The Crown Financial Ministry was founded in 1976 and is dedicated to equipping people around the world to learn, apply and teach Biblical financial principals. David Newby, author of “Why Didn’t Anyone Teach Me This?” has learned these important financial fundamentals and continues teaching and ... Views: 1998
If you genuinely owe money to a company and you do not pay it back in accordance with the terms you agreed, then the hard fact is that lender is perfectly entitled to sue you in order to get their money back. In borrowing the money, or buying things on credit, you will have signed an agreement ... Views: 1989
For the majority of students, college loans are part of the reality of higher education. Two-thirds of bachelor’s degree students who graduated in 2007–08 left college with debt from school loans, and their average student loan debt load was $23,186, according to FinAid.org.
Keeping track of ... Views: 1986
Do you ever feel financially stuck, do you ever go through the store looking at things you know you will never be able to afford, thinking how nice it would be if you could just catch a break? Do spend more time than you should figuring out how you will pay each bill every month when there just ... Views: 1970
Financial pressure is something that more and more people face and suffer from. It can determine a deal of different emotions and distress on personal and mental level. When financial pressure takes control over your life a lot of things happen. You may face problems in your relationships, ... Views: 1963
Dealing with a collection agency can be a stressful experience. Not only are some debt collectors rude, but endless demanding telephone calls and letters can shake even the toughest individual. The stress and confusion that debt collectors can cause often results in consumers making mistakes ... Views: 1959
A clearly practical application of journaling is to use it as a way to get a grip on your financial worries.
Our current economy is challenging, to say the least, and many of us are obsessed with financial concerns. Physical side effects from money stress - like sleeplessness or headaches, or ... Views: 1954
To avoid debt don’t get a loan – simple isn’t it? But, is it really that simple?
Sometimes we can’t avoid having to borrow otherwise how are we to get our new home? Not many of us would have the cash to buy it outright. But what you need to understand is that there is good debt and there ... Views: 1949
There is a fine line between gambling and investing which many people cross sometimes with the help of their financial guy.
A study not too long ago showed that the majority of those buying individual stocks lose money. I'd be willing to bet that a large percentage of those crossed the ... Views: 1948
There is an inverse relationship between time spent on personal finances and both productivity and investment returns. Have your cake and eat it too!
Most everyone has heard that people spent a lot of time at work goofing around. The number one time killer to no ones surprise is technology. ... Views: 1946
When it comes to students, they need the best in education to build-up their career and latest laptop to accomplish it. The students who are looking for a new laptop to work on their projects should not worry about price tag as there are many financing options available in the market. The ... Views: 1939
Have You Ever Considered Working Online? Kelly Richards from Brooklyn, NY never thought that she would, until curiosity acquired the best of her and she filled out an easy online form. Before she knew it, she discovered her secret to beating the recession, and having the ability to provide for ... Views: 1938
A new UK-based site, InstantLoansDirect.com, is trying to attract new borrowers by offering so-called 0% interest payday loans. They offer short term loans without interest, but there’s a catch. There is no interest for the first eight days, but after that initial period, there’s a daily fee ... Views: 1926
With the traditional holiday season at its peak between Thanksgiving and Christmas, many people are hard pressed to get badly needed cash for holiday spending. However, not all spending is holiday-based.
Home repairs, medical bills and the unexpected water heater demise all help to add more ... Views: 1921
Question: I’m a 57 year old clinical physician thinking about slowing down in the next few years. I don’t feel I have enough money to retire but maybe I do? How do you analyze a client’s finances to make this determination? Any thoughts you could provide would be greatly appreciated. Lia, ... Views: 1919
THE BEST TAX TIP…EVER!
Joe X (Real people and events but no real names used, of course) is an executive with a well-known national corporation. Joe thought this would be a great time to buy that summerhouse his family had always wanted, so he exercised his stock options in one year. Six ... Views: 1917
If you're looking for a great way to protect your money and to earn a consistent return, then annuities are definitely a financial instrument that you should be interested in. Annuities are generally provided by life insurance companies. You can pay money to them, let it grow on a tax-deferred ... Views: 1911
Are you free floating in Financial Fear?
We all rely on money to pay our bills, provide shelter and food, and to bring us pleasure. But with the continuing economic crunch squeezing out every dime before it has a chance to grow interest in our checking accounts, more and more of us are ... Views: 1911
The importance of increasing score cannot be neglected as it is a mark of credibility of a consumer. This is very simple to judge the reputation of a person before making a business deal with him or while hiring him for a new job by just observing his score. It represents the whole previous ... Views: 1907
Whenever an individual is on a transit, his main anxiety will be always getting a discounted and satisfactory rate for the currency exchange. Experts have also suggested that; a nomad will always have a preference for those whose currency conversion is at a bargain price or inexpensively; also ... Views: 1903