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- Our Own Homes Are The Mother Of All Tax Shelters
When it comes to tax shelters, there’s no better or safer place than our own homes. There are a vast number of companies out there spending a lot of money on advertising trying to convince us that we should be sending our hard earned dollars to some island in the sun, where (for a nice fat fee of course) they will keep our money safe and out of the hands of the IRS. Most of these programs, for lack of a better word, are illegal or at the very best not as tax efficient as the claims they make. - Getting Out Of Debt,
Getting Out of Debt, The Smart Credit-Card Plan, the perfect paydown strategy
Behavioral economist Meir Statman, recently said “getting out of debt is the financial equivalent of trying to quit smoking." Just like any bad habit, good intentions alone will not be enough. To ensure success, we need to break our underlying patterns of behavior. How is it we live in the richest most powerful country in the world, but the average American is more than $11,000 in debt. Our European friends who live by a mainly debit card system have an average savings of $13,000. On a recent visit to Germany, I was shocked to find that less than 35% of all the shops and restaurants accepted credit cards. What would we need to do to reverse this trend and get into a (plus) situation. - Divorced And Deep In Debt, It's Not All Doom And Gloom!
Almost half the letters I receive daily are from recent divorcees and for the most part their stories go something like this! - Divorced And Deep In Debt, It's Not All Doom And Gloom!
Almost half the letters I receive daily are from recent divorcees and for the most part their stories go something like this! - Identity Theft Hits Record Levels
In a country that prides itself on innovation and a citizen’s right to privacy, why are we still living with the most antequated personal credit scoring system in the world? Our SSN (social security number) is the key to our financial existence. It allows the world to see the good, the bad and sometimes the downright ugly. We have no choice but to use this system to obtain credit, mortgages, insurance and even jobs. Having established the importance of this 9 digit number to us as individuals why are we still using a system that appears to have been designed for the sole benefit of thieves and robbers? We may just as well walk around with a BIG sign pinned to our backs telling any criminal with half a brain “Great Credit - Please Rob Me- All information required listed below.” - Identity Theft Hits Record Levels
In a country that prides itself on innovation and a citizen’s right to privacy, why are we still living with the most antequated personal credit scoring system in the world? Our SSN (social security number) is the key to our financial existence. It allows the world to see the good, the bad and sometimes the downright ugly. We have no choice but to use this system to obtain credit, mortgages, insurance and even jobs. Having established the importance of this 9 digit number to us as individuals why are we still using a system that appears to have been designed for the sole benefit of thieves and robbers? We may just as well walk around with a BIG sign pinned to our backs telling any criminal with half a brain “Great Credit - Please Rob Me- All information required listed below.” - Little Or Nothing Saved At 50, You've Got To Act Fast. Here's My Simple Catch-up Plan.
I've been receiving a great many letters lately that go something like this! "I'm about to turn 50 and I've just started planning for retirement! Any ideas?" Great question! Something you should have asked 15 to 20 years ago but never mind, better late than never. - Expect The Unexpected: There's A Real Need For Emergency Cash
Student loans!! Mortgage payments!! Credit card bills!! All of these payments create anxiety and irritation but they are all real. They are payments we keep in mind when we budget for the month. Then suddenly, an emergency occurs, be it small or large. Are you as prepared as you should be to spend those extra dollars? - Your Old Cooking Oil Replaces The Need For Gasoline
Imagine a world where your old cooking oil replaces the need for gasoline. Instead of pumping your car at a gas station for $3.30 a gallon, you drive to one of your local restaurants and fill up for pennies. The funny thing is, you don't need to imagine anymore. That's right!!!! No matter how many times you read this, the facts remain the same. Who ever thought cooking oil could be so multi-functional, the same stuff you use to fry your chicken and french fries can be now be used in your gas tank. - Loans Just Aren't What They Used To Be
There have been some recent changes regarding federal loan payment options. A “guidance” report was published on September 29, 2006 that spoke on the issue of mortgage payment options available to the public. The Federal Reserve, the Office of Comptroller of the Currency, the Federal Deposit Insurance Corp, the National Credit Union Administration, and the Office of Thrift Supervision all contributed to the the “guidance” report. - What Really Happens When You File For Bankruptcy
Having a hard time paying your bills? Do they seem like they just keep adding up? A lot of people in this situation think that filing for bankruptcy is the easy way out. In all reality, bankruptcy should be your very last resort. Most people do not understand the long term effects of this course of action they are also unaware that there is a very extensive process that happens before and after you file for bankruptcy. - What You Should Know About Those Debit Card Overdraft Fees
I know that there are times that I would rather use my credit card to make a purchase but my conscience tells me to use money that I have, not spend money that I don't have. For the most part I listen to my conscience. I have like most people experienced a few overdraft fees in my life time because of it. You would think that, just like a credit card if you don't have the funds, the card would be declined. All the banks use that card to their utmost advantage by letting you spend money that isn't there. They happily cover what you don't have and then charge you those large overdraft fees. - Money Makeover
You come home after a long day at work only to find numerous unwanted bills in your mailbox. As you sift though them, you start to get that sinking feeling. You know there is no way you can afford to pay all of them on time. It's at this time that you remember that you have a vacation coming up and you want to make the most of it. What you really need now is a money makeover and this is how you do it. - Americans Feel Optimistic About Growth And Prosperity
The effects of higher interest rates and energy prices, combined with decreased home price availability have reflected a cooling-off period of the housing market. - Save Early, And Often!
A recently released study by the American Association of Retired Persons (AARP) cited that one of the highest concerns associated with getting older was the lack of money required to support oneself during retirement. - A Sign Of The Times...
Traditionally, California has had a low foreclosure rate. However, in the last quarter of 2006, 37,273 Default Notices were sent to California Homeowners; an increase of 36.9% since the previous quarter.
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