Archive for September, 2007
How to Make Your Next Home Purchase Go Smoothly as Possible
Buying a new home can be a very exciting experience in life, but it’s also a big commitment and a lot of work. If you don’t cross all of the T’s and dot all of the I’s, you’re asking for trouble. Follow these tips to make sure your next home purchase doesn’t turn from a [...]
How to Resolve a Customer Service Dispute with a Company
Many companies want to provide quality customer service to their company so that they can have a good reputation in the market place while others do customer service as cheaply as possible and leave much to be desired in their customer service department. You’re going to have a dispute with a company at some time [...]
How to Use a Short Sale to Avoid Foreclosure
There are many real estate markets in the country where home values are just fine and actually increasing, but in some markets, prices are dropping quite quickly. In many of the speculative markets around the country, investors bought homes with no money down, had adjustable loans, or even had an option payment loan where the [...]
Be on the Lookout: A New and Improved Pump and Dump Trading Scam
In the past many stock holders would receive unsolicited emails, letters, phone-calls or fax messages providing them with some tip about a stock that’s going to skyrocket pretty soon. Every investor loves a genuine stock tip, but in this case the stock tip was completely unsolicited and it came out of nowhere. The scam-artist who [...]
Getting a Degree Online: How to Get a Valuable Education and Not Get Ripped Off
Being able to pursue a college education has become much easier in the last few years as schools such as the University of Phoenix Online and others have created college curriculums that you can complete without ever stepping foot inside of a classroom. Some of these programs are great alternatives for people who can’t be [...]
Metro Dream Homes: A New and Dangerous Real Estate Scam
Scam artist seem to do an excellent job by playing with people’s emotions. They make them consider all of their hopes and dreams for the future, and that if they “dare to be rich” by signing up with the scam artist’s program, their hopes and dreams might come true. A new real estate scam is [...]
How to Go to Graduate School and not go Broke in the Process
After attending college, most people go out into the real world and start a job to pay for life and take care of all the student loans that they piled on in college. A small percentage of college graduates decide they just can’t get enough of school and continue on to medical school, law school [...]
Getting a Credit Card in College: Does it Make Sense?
There was recently a story featured on the Dave Ramsey show about a young college junior who was generally a good student, but got himself in $15,000 worth of credit card debt. The growing pile of debt gave the student a great amount of anxiety. He then began to take anxiety medication to help him [...]
Money Merge Accounts: Just Say, No Thanks.
There has been a new trend in the financial world in the last year or so in which consumers pay-checks are direct deposited directly onto their mortgage, and then consumers pay their monthly expenses out of what is essentially a home equity line of credit, and any money that one does not spend is extra [...]
How to Move and Keep Your Possessions Safe
Moving is a time-consuming, physically exhausting and emotionally draining experience. You have to uproot your entire life, and some how move all of your possessions from one part of the world to another. Usually you have to find a moving company and start a new job in the process. The kids have to start at [...]
How to Sell Your Home in a Buyers Market
The real estate market, including the oceanfront property market, has slowed down significantly in the last 6 months, and the predominant view amongst financial analysts that home prices will continue to dip well into 2009. There are a lot more homes being sold than there are buyers out on the market. If you want to get your [...]
Accelerated Mortgage Payment Plans: Don’t Waste Your Money
If you own a home, you will likely receive some sort of letter in the mail (or you may already have), telling you about a great new option from your mortgage company that will pay off your mortgage early and save you thousands of dollars in interest. All you have to do is pay a [...]
Be on the lookout: IRS Email Scam Running Rampant
Most internet users have wised up to the most common internet scams. People generally know that when an international businessman from Nigeria emails them, that they probably aren’t sitting on the deal of a lifetime and just because you get an email in your inbox telling you that you’ve won a ton of money, doesn’t [...]
Sick of High Gas Prices? Get An Electric Car that Drives for 2 Cents a Mile
The price of a gallon of gas has easily tripled in the last decade, America’s dependence on middle-eastern oil continues to increase, and oil companies are making record profits while the consumer is stuck sitting paying ever-increasing prices to heat their homes and provide fuel for their vehicles. Gasoline prices haven’t gotten to the point [...]
How to Get Out of Your Cell Phone Contract Without Paying Early Termination Fees
Cell phone companies have done a great job of preventing consumers from switching to other providers when they aren’t happy with the quality of service they are receiving. Cell phone providers charge huge early termination fees, often as high as $200 or more, in order to prevent consumers from switching to a competitor. Fortunately there [...]
How Much Money You Should Spend on Your Next Computer.
Buying a new computer is a lot like buying a new car. You can either get the “BMW” model that has all of the bells, whistles, and horse-power you’d ever need. You can also go with a KIA type model that’s very inexpensive, does what it’s supposed to for the most part, and that’s about [...]
Car Insurance: What You Need and What You Don’t
Let’s face it, there are a lot of unsafe motorist on the road. You never know when some idiot’s going to decide he’s just sober enough to drive or when some 16 year old kid is going to pay more attention to his cell-phone than the motor vehicle he’s operating. Make sure you have the [...]
In College? Don’t Buy Your Textbooks.
A few days ago, the fall semester began. Freshman moved into their dorm rooms for the first time in awe and wonder of what their next four years might look like. The barren campus turned into a promenade of activity. Professors returned and classes began. Freshmen enter a college classroom for the first time, hear [...]
Why the Real Estate Market Slowdown is great for Consumers
In the last several years, prices in many real estate markets have gone up dramatically. Many home-owners have seen double-digit gains on their homes for several years in a row, and prices just seemed to keep going up and up. Credit was offered to those who really couldn’t afford homes, and others threw everything they [...]
Beware: Note Buying Scams on the Rise
Well-off people who sell their homes sometimes decide to hold the mortgage for the buyer. This means that instead of the buyer writing monthly checks to the mortgage company, they write them to the previous owner. This can a good way to add diversification to your investment portfolio if you don’t need the money right [...]
Congress to Pass Reforms on Student Loan Industry
There’s been quite a bit of scandal and questionable business practices in the student loan industry in the last several years. Many banks have been caught giving kickbacks to schools for sending their students to get student loans with said banks. Others are unhappy about the jump of interest rates to Stafford loans to nearly [...]
How to Stop Abusive Homeowners Associations before Problems Begin
Many home-owners associations are becoming a new level of government across the nation, and most local governments would rather just not get involved. Many home-owners associations provide their own security, utilities and lighting. In many instances, home-owners associations are a great way for neighborhoods to come together, take care of common problems and protect their [...]
How Flexible Spending Accounts Can Reduce Your Tax Burden
Many companies offer a number of fringe benefits in addition to a typical compensation package of a salary and some health insurance. One of the increasingly more common benefits that companies are providing their workers is called a flexible spending account. It essentially allows you to spend money on non-insurable medical expenses without ever having [...]
A Simple Guide to Homeowner’s Insurance.
Everyone who owns a home needs a way to protect themselves from all of the potential things that can go wrong with your home. You never know when a window will break, when black mold will show up, or when your foundation starts to crack! Your home can be a ticking time bomb of financial [...]
How to Find Jobs that Aren’t Listed in the Classifieds
It’s extremely easy to get a job, but it’s hard to find a good job, and even harder to find a good job that you actually enjoy. You have to get your resume ready, find jobs to apply for, setup interviews, prepare for them, compare offers and the like. It’s a time consuming experience, and [...]
The Best Consumer Credit Cards
There are six billion credit card offers sent to Americans each year. It’s almost impossible out of the dozens that one receives each year to pick out the best one. It becomes even more complicated, because the best consumer credit card isn’t the same for every single person. Some of us want high rewards, others [...]
Leasing Vehicles: Generally a Bad Idea
Many people see leasing cars as a great way to get into a nice vehicle while having a low monthly payment. Unfortunately, they devil is in the details, and once you take a close look at all of the mathematics and gotcha’s involved, it becomes quite clear why Kiplinger’s Personal Finance argues that leasing is [...]
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