Category: Personal Finance

Avoiding Short Term Loans At All Costs

Posted on: February 4th, 2014 by

By now, you’ve probably seen the commercials on TV for short-term loans. On the one hand, there are the obnoxious ones with rubber pensioner puppets. But the others tug at your fears: what if you have no money when some sort of desperate emergency pops up? Companies call these ‘Payday Loans’ or ‘Unexpected Commitment Loans’. […]

5 Warnings Before Applying For An Online Loan

Posted on: January 19th, 2014 by

Getting a loan online is easier now than it ever has been before. Simply type in your search for the type of loan you are looking for and the search results will fill an endless amount of pages for you to review and choose from. But the main question is, how do you choose? Are […]

Unexpected Factors That Hurt Your Credit Score

Posted on: January 10th, 2014 by

Having a high credit score can make life easy, especially when you need to get a loan for a big purchase. If your credit score has unexpectedly declined recently, you may be a little confused by the jump. There are a million factors that can make your credit score drop, even if you stay on […]

Things to Know Before Filing for Bankruptcy

Posted on: January 3rd, 2014 by

Bankruptcy is a great way to get a fresh start from financial burdens. But bankruptcy is not always a good idea and based on your circumstances bankruptcy may or may not be the answer to your problems. The American Bankruptcy Institute feels that bankruptcy may be the best option for people who have any of […]

Debt Consolidation or Bankruptcy?

Posted on: December 17th, 2013 by

If you’re struggling with debt, it can often seem like there’s no way out. Wage garnishment, debt collectors calling at any time of the night and that sinking feeling that you’ll never be free again are just a few of the things you may be dealing with when you have serious debt. However, there are […]

What You Can Learn from the Oracle of Omaha

Posted on: December 5th, 2012 by

Investing your money is the first step to financial freedom. Money that sits in a bank account gains nothing for you, and it simply gets eaten away by inflation. It is estimated that as high as 20% returns can be reasonably yielded from invested money. You need to create a financial plan for yourself. Nearly […]

How to Cut Fuel Costs with Better Driving

Posted on: December 4th, 2012 by

Fuel costs have risen dramatically in the last decade or two, and as we approach peak oil production there is no doubt that they will continue to rise. Saving fuel greatly benefits you and makes for more money in your pocket at the end of the week. Luckily, there are a number of ways you […]

How To Dump Deadweight Debt

Posted on: December 1st, 2012 by

There are three types of debt: There is debt that has value, such as a mortgage or car loan. There is debt that has little value, but it is not hurting you, such as short term credit card purchases. There is debt that is actively hurting your financial position, such as long term high valued […]

Confessions of an Identity Thief

Posted on: November 29th, 2012 by

Identity thieves are always on the prowl for the next victim. The Federal Trade Commission has estimated almost nine million people in the United States of America, every year, have become victims of identity theft. Not every person is at the risk of becoming part of the statistics, but some people fall victim a lot […]

Apartment Rental Service Scams to Avoid

Posted on: November 25th, 2012 by

This world is full of con artists just looking for that next person they can scam. As of late, many people have been “conned” or “scammed” in apartment rental service scams. By reading and following this article, hopefully you won’t be one of those people who get scammed in this way. You need to know […]

5 Do’s and Dont’s of Online Stock Trading

Posted on: November 21st, 2012 by

Interest in online stock trading surged recently. It’s inevitable. The Internet has enabled people to trade from the comforts of their homes and offices. Companies invest on a variety of tools that facilitate investment transactions real-time, while more and more investors are attracted to using the web as their main financial tool, from gathering trading […]

Prepare for a Mortgage Loan – 5 Steps

Posted on: November 16th, 2012 by

Most of the time potential borrowers tend to sabotage their opportunities of getting the mortgage loan. Every mortgage lending company has its set rules and guidelines for one to qualify. Doing your homework and preparing can help speed up the process of getting the loan and helps to save money too. Getting an approval for […]

3 Benefits of Consolidating Debt

Posted on: November 14th, 2012 by

There are many benefits to getting rid of your debts. That is no secret. Having excess debt is a major stress and can lead to all kinds of unrelated fights with those  you love, and make your life less pleasant.  People have found success in eliminating debts through debt consolidation. While there are certainly more […]

Jobs Don’t Come on a Silver Platter

Posted on: November 12th, 2012 by

If you are in the market for a new job, you may find yourself day in and day out replaying the same routine.  Searching job boards, perusing through today’s newspapers, and posting your resume on different sites has become a routine you now dread.  Job searching techniques that were once upon a time considered to […]

Is College Worth It?

Posted on: November 9th, 2012 by

As student debt rapidly approaches the $1 trillion mark this year, there has been a great deal of debate with regards to the actual value of a college degree. Is college really worth it? Here we will take a closer look at the pros and cons of seeking out a post-secondary education at at 2 […]