Archive for January, 2006

Taking the Do It Yourself Approach to Debt Management

Tuesday, January 31st, 2006

When it comes to dealing with high levels of debt, the process can certainly be intimidating. It is possible, however, to negotiate with creditors directly, and this article focuses on strategies you can use to pay off your debt quickly.

Dealing with Life’s Financial Emergencies

Monday, January 30th, 2006

No one likes to think about disasters, natural and otherwise, but the truth is that such emergencies can and do happen. This article focuses on the best way plan for and deal with emergencies like job losses, medical issues and natural disasters.

Auto Insurance Know What You Are Covered For

Sunday, January 29th, 2006

With the complexities of modern day auto insurance, how do know what you really need. There is so much on an insurance note that very few people read them. Yet it is always a good idea to know, not only what you are buying, but also what you are getting for your money.

Payday Loans

Saturday, January 28th, 2006

With the current rise in consumer spending seeming to to be in an ever-escalating spiral, the need for all types of credit is increasing exponentially. While for most of this is in the form of credit cards, auto loans and personal finance, there are also some less formal types of loans, that are popular among people trying to borrow small amounts on a shorter timescale. One of the most popular of these short-term loans are payday loans.

It Is Never Too Early to Save for College

Friday, January 27th, 2006

It is no secret that the cost of a higher education has been rising more and more every year. With the costs, and the stakes, this high, it is more important than ever to start saving as early as possible.

Refinancing Your home the Right Way

Thursday, January 26th, 2006

It is no secret that home refinancing is on the rise. This explosion of interest in mortgage refinancing has been spurred on by record low interest rates, and this article focuses on what to look for in a home refinancing deal.

Choosing the Best Credit Card for Your Needs

Wednesday, January 25th, 2006

Chances are your mailbox is nearly bursting with credit card offers, and with all these offers to choose from it can be difficult to know which credit card truly meets your needs. This article helps consumers sort through the clutter to find the perfect card for their situation.

Dealing with High Levels of Consumer Debt

Tuesday, January 24th, 2006

It is no secret that consumer debt levels are on the rise, while personal savings rates are falling. This is a recipe for disaster, both for the country and for individual consumers. This article focuses on the best ways to get out of debt and enjoy a debt free lifestyle.

Is the New Roth 401(k) Right for Me?

Monday, January 23rd, 2006

Starting on January 1, 2006, many employees will have a new investment option available to them. The Roth 401(k) shares the benefits, and the drawbacks of the popular Roth IRA, and this article outlines the advantages and disadvantages of the newest option available for retirement savings.

To Your (Financial) Health V

Sunday, January 22nd, 2006

How’s your financial health? Is it poor because of credit card debt? Do you know how to make your financial health what it should be, could be?

Debt Consolidation : A Step Toward Your Financial Freedom

Saturday, January 21st, 2006

Debt consolidation can be a great idea for someone who has a lot of debt, and is looking for a way to eliminate it. If you have a substantial amount of debt you may want to consider debt consolidation as a way of lowering your monthly payments, and getting closer to having your debt disappear.

Tips for Dealing with Online Brokerage Firms

Friday, January 20th, 2006

While trading stocks through a broker was once prohibitively expensive for the average investor, the internet has made such trades incredibly affordable. This article focuses on what to look for, and how to get the most out of, an online broker.

Seeking a Mortgage, but I have bad credit

Thursday, January 19th, 2006

Obtaining a mortgage is not easy when you have poor credit. Begin working to improve your credit today!

Credit Cards – Playing the 0% Game

Wednesday, January 18th, 2006

Many a smart consumer has been able to use those 0% intro rates to reduce their credit card bills and save hundreds or even thousands of dollars. When playing this game, however, it is important to know the rules. This article focuses on how to win at the game of low interest balance transfers.

Tips for Creating a Successful Budget Plan

Tuesday, January 17th, 2006

Proper budgeting is the key to any successful financial plan, but many people never take the time or gain the knowledge needed to create a realistic budget plan. This article provides tips for creating a budget plan you can live with.

Recovering from Identity Theft

Monday, January 16th, 2006

Your financial information is among the most valuable information you own. Unfortunately, this information is valuable to thieves as well. This article focuses on steps you can take to avoid becoming a victim of the increasing problem of identity theft.

Tips for Avoiding Identity Theft

Sunday, January 15th, 2006

Your financial information is among the most valuable information you own. Unfortunately, this information is valuable to thieves as well. This article focuses on steps you can take to avoid becoming a victim of the increasing problem of identity theft.

Why Diversification Is Important

Saturday, January 14th, 2006

When it comes to investing, few issues are as important as that of diversification. Having a well diversified portfolio helps to cushion the investor from the inevitable ups and downs of investing in the stock market.

Understanding the Reverse Loan Mortgage

Friday, January 13th, 2006

A reverse loan mortgage is a loan taken out, using your home as collateral, that requires no repayment for as long as the owner lives in the house. This mortgage is a wonderful option for elderly homeowners that require work done on their home or would simply like to have a little cash in their pocket.

The Value of Index Investing

Thursday, January 12th, 2006

There are many ways to invest in the stock market, but one of the most cost effective, and most consistently profitable, ways is to simply buy an index mutual fund. This article focuses on the value of index investing to the average investor.

Understanding the New Bankruptcy Laws

Wednesday, January 11th, 2006

The laws governing personal bankruptcy filings have undergone significant changes in the past year. It is important for everyone to understand how these new bankruptcy laws may affect their personal situation.

Warning Signs Concerning Debt

Tuesday, January 10th, 2006

Everyone encounters financial difficulties from time to time, but some people are in deeper than they think. This quiz, made up of warning signs, should help some understand how serious debt can be.

The Importance of Checking Your Credit Report

Monday, January 9th, 2006

A personal anecdote that illustrates the importance of checking your credit report - and checking it often!

Repairing Bad Credit

Sunday, January 8th, 2006

There are some things you can do to repair bad credit. While working with a debt consolidation program is one option, you can use many of the same tactics yourself when dealing with your creditors.

What is a Certificate of Deposit?

Saturday, January 7th, 2006

If you’re looking for a low risk investment tool, a CD might be right for you.

The Importance of Your Credit Report

Friday, January 6th, 2006

There are many important documents in your financial life, but few if any are as important as your personal credit report. Your credit report can determine everything from whether or not you qualify for a mortgage to whether you land that job you are seeking.

Charitable Contributions and Taxes

Thursday, January 5th, 2006

There are many excellent reasons to give to your favorite charity, and while saving on taxes may not be at the top of the list it is an important consideration. How you structure your charitable giving can have a profound effect on both your tax situation and the value of your gift to the charity.

A Free Annual Credit Report – A Perk to Take Advantage Of

Wednesday, January 4th, 2006

Obtaining a copy of your credit report every year has always been important, but it was also somewhat of a hassle and an expense. A new law, however, has made getting a copy of your credit report every year both free and easy.

What is a Money Market Account?

Tuesday, January 3rd, 2006

Do you want to save money? Do you want to earn extra interest on that money? Look into Money Market Accounts.

Roth 401K 2006

Monday, January 2nd, 2006

This article discusses ROTH 401K as an investment in one’s future. It also discusses the advantages and disadvantages of ROTH 401K plans.

To Your (Financial) Health IV

Sunday, January 1st, 2006

How is your financial health? Mine makes me a perfect picture of financial health? Want to know how to be like me? It is easier than you might think.