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    Don t drop the retirement ball

     

    Juggling may be entertaining, but the average person may not have the concentration to keep the balls in the air. Yet half of Americans in their prime savings years juggle their retirement money in three or more accounts, according to Fidelity Investments estimates. Whether they are 401(k)s from previous jobs or forgotten IRAs, these multiple accounts can burden investors with several statements and potentially more account fees. Most importantly, scattered accounts may make it more difficult to keep a diversified investing strategy on track. "It's natural to think that multiple accounts may automatically diversify a portfolio, but that's not necessarily true," says Cynthia Egan of Fidelity. "In fact, managing a mix of stocks, bonds and cash across numerous accounts can be confusing and may make it harder to detect risks to your portfolio." For example, some investors unknowingly hold the same security in several accounts, which could result in a big hit to the portfolio if that stock price falls. Identifying how much is "too much" is simple with one view of all your retirement money. Merging multiple accounts into a single Rollover IRA can make it easier to manage your savings, allowing you to easily review your holdings and quickly make adjustments. Here are three more tips to help simplify your portfolio: 1. Find them all. Even if you have to spread your statements across the kitchen table, identify all of your accounts that can be consolidated, including forgotten IRAs and old 401(k)s. 2. Mix it up. We've all heard that while diversification doesn't ensure a profit or guarantee against loss, an age-appropriate mix of stocks, bonds and cash is the key to potentially better long-term performance. Make it easy with a lifecycle fund that is automatically rebalanced by a professional as your target retirement date approaches. 3. Keep it moving. Just like your regular trip to the dentist for a preventive checkup, be sure to review your portfolio annually to make sure your overall retirement strategy stays on track. Fortunately, there are many resources available to help you manage your retirement savings. At the end of the day, however, consolidating retirement accounts into a single IRA account can help you more easily evaluate your retirement assets, develop a more thoughtful retirement strategy and monitor your investments to build your portfolio - making it easier to keep your eye on the retirement ball.

         
    Don t make these seven mistakes when dealing with debt collectors

     

    The number of complaints about debt collectors is on the rise. From 13,950 reported to the Federal Trade Commission in 2000, the number has ballooned to over 66,000 in 2005. And these are just the ones reported--the greater number of complaints go unreported. But this isn’t the worst; a significant number of complaints are coming from consumers who do not even owe the debt. So what’s going on here? It is apparent that debt collection agencies are becoming increasingly competitive and that they are getting more aggressive in an effort to improve their bottom line. And to do this, they have to put more pressure on the one who owes the debt—the consumer, you. What can you do if you are caught in the crosshairs of a debt collector? Enforce your rights. As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA.) These rights mean that you cannot be lied to, abused, or harassed when a debt collector is trying to collect from you. And these rights have teeth. When a debt collector violates the provisions of the FDCPA. when he or she violates the rights you have under the FDCPA, you can sue for damages and for attorney’s fees. But when dealing with debt collectors under the FDCPA, don’t make the following four mistakes: 1. Not knowing your rights. You need to remember that you have rights even when you haven’t paid what you owe for whatever reason. We don’t have debtor’s prisons anymore and debt collectors can’t buy a license anywhere to have any kind of open season on anyone who is delinquent in paying debts. This is true because of those rights. So make sure you understand just what those rights are. You can’t claim them if you don’t know them. 2. Not keeping records. To be able to enforce your rights, you’ll need to keep some records. This will mean a phone log (the number of calls and when can both be violations of the FDCPA); notes from the calls (what they say to you may not be abusive, harassing or a misrepresentation); and all the letters they send to you (they must have the proper notices and may not confuse you about what you need to do) as well as the letters you send to them. All of these must be kept for you to better make your case. 3. Not responding on time. You have certain rights that must be exercised within a certain period of time or they are lost. (The right to verification information is one.) So be vigilant about any time limits. Respond when you need to and file suit on time--if it comes to that. 4. Avoiding the calls. Don’t avoid the phone calls either. It is only by dealing with the debt collector that any of your rights under the law may be exercised. And exercising those rights--for example, the all-important right of verification-- might just make the problem go away. (If the collector cannot verify the debt, he or she cannot continue to collect it.) So it is better to take the call and talk. In dealing with debt collectors, it also pays to be smart. So, for example, don’t also make the following three mistakes: 5. Not negotiating. Debt collection agencies most often buy the debt. And they buy it for less than you owe on it. Their profitability comes from getting you to pay more-- and possibly a lot more-- than they paid for it. So make sure you try to negotiate a lower figure. They just might accept it. 6. Ignoring the debt. Ignoring the debt is only going to cause more problems. If the debt collector understands that his or her efforts are not going to get you to pay, that may start the clock on any lawsuit they can bring on the debt. And that only gives the debt collector the advantage. Keep the advantage with you. 7. Paying by personal check. Paying by personal check gives the debt collector your account number and the name of your bank. That can create some problems with unscrupulous debt collectors who might be tempted to do something shady like setting up an electronic payment. (It’s been done.) And that isn’t good. But it also gives them information they can use if they want to enforce the debt through legal means. Why make it any easier? If you are faced with any attempt to collect a debt, make sure you get all the information you can. If you do, you’ll be more able to enforce your rights--and they will be less able to intimidate you. Both of these come out on your side of the ledger sheet.

         
    Don t trap into a credit card debt it too costly

     

    : While swiping the credit card is a very effective way to pay without using any type of paper money, it has led many people into a debt trap. Majority of people simply look at whether or not they can afford their monthly repayment when using at their credit cards. Many of them don't even try to figure out how long it will take to pay them off and how much they are costing them over the long run. For instance, $2,000 doesn't seem like a huge balance on a credit card. In that case at an 18% interest rate, your payment is only around $40 a month. Sounds pretty affordable at the moment, doesn't it? Well, if you take a closer look at the number, approximately $30 of your payment goes towards interest. As a matter of fact only $10 is paid towards the $2,000 balance each month. In case if you are only paying the minimum balance each month, it will take you over 30 years to pay off that $2000. Thirty years, that is too long. In addition you will have paid back $5,000 in interest in that time. Therefore your $2,000 credit card bill will really cost you $7,000 including interest in the long run. The above payment does not include the extra payment incur in the case when you miss or delay your monthly repayment. In fact, many credit card companies are hoping you will miss your repayment so that they can charge you with extra interest and late payment fee and this would normally extend your payback period for the rest of your life. There are many credit card debt calculators available on internet and you can use these calculators to calculate how long it will take you to pay off your current credit cards by using the minimum payment method. You will normally be shocked. And it is worth for you to put effort in finding ways to reduce and pay off your credit card debt. If your credit card debts are reached to an unbearable stage; then, you may need to get service from a debt consolidation company to consolidate all your credit card debts. They are widely expert in dealing with creditors and help you to negotiate with your creditors for a better repayment plan.

    Follow the plan to pay off your credit card debts. Credit cards have successfully minimized the use of paper money and become one of the most convenient ways to make payments for a shopping spree or while traveling. Though, if not used with restraint they may soon lead to a huge mountain of debt which leads you to a tizzy of financial woes.

    In simple terms credit cards are a really costly form of credit. If you must have one, paying off the balance in full each month so that you will not trap into a credit card debt.

         
    Doorway to quick cash immediate approval loans

     

    Financial matters are crucial one and you need to be extra careful while opting for any kind of loan. One more thing, in financial matters you should remember that a stitch in time saves nine. Therefore, always consider whether you will receive instant cash to meet your needs from that particular loan or not. One such loan in financial crisis is immediate approval loans. Have you missed few monthly payments on your home loan? Are you a discharged bankrupt? Do you have arrears to clear? You have probably convinced yourself that loan market has no options for you and the few options available are way beyond your reach. In case of an immediate approval loan, you do not provide any guarantee, so there is more risk for the lender and less for you - but you still have some risk because you have to pay the loan back, and lenders can still take some action against you to recover their money. The amount of money you can borrow on them is usually limited by your ability to repay. Prior to applying for a personal loan against next pay cheque, note that such a short duration of loan, prompts the lenders to charge exorbitant fees. These immediate personal loans therefore may even result in debts for the borrowers. So be careful in finding a suitable lender who has lower fee charged on instant personal loans. The lenders do not insist any security for instant approval loans. So much time would have been otherwise spent on evaluation of the residential property is now saved. It facilitates for the instant approval of these loans. These loans are slightly expensive compared to other loans. As they are short term loans, lenders charge very high interest rate on these loans. Lenders usually have no hesitation in approving the loan amount within a short span of applying for it, if the borrower enjoys a constant source of income to repay the loan amount. The loan approval process is very easy. Apart from the identification and employment status of the borrower, another factor that needs consideration is borrower's regular monthly income. If the monthly salary of the person is in accordance with the amount to be borrowed then it cuts down the risk of the lender. Lender therefore can quickly approve your Fast approval home financing loan plan. Find out from experts which loan serves you right, try now!

         
    Earn extra cash by taking part in surveys

     

    I have just heard about another way of making a little bit of extra money. This is by taking part in different surveys for a range of companies who are looking to find out more about their customers or potential customers. You may think just like I did that this would hardly be worth your time or effort, however you may be surprised when you realise you much these companies are willing to pay. A few days ago a friend of my step-daughters came round to our house to play. They are both twelve years of age and have known each other since primary school. This friend also stopped at our house for her evening meal and while at the dining table, eating her food, she started up quite an interesting conversation. She asked my step-daughter if she would be interested in joining her to take part in a survey which would be about the subject of childrens banking. I started to ask this girl, who is called Emma, what would be involved. Emma replied that a lady would be going round to her house on Saturday morning and would be asking her a series of questions about banking, for example who she banks with and how much money she attempts to save as a twelve year old. She continued that the meeting would last around an hour and a half for which she would be paid Ј20. If she then also kept a form of diary for a week, she would then receive another Ј10. My step-daughter suddenly became very interested and asked me whether she would be able to go aswell, I told her that she could. Emma then told our family that she regularly took part in these surveys and had been introduced to the idea by a friend of her mothers. She stated that on average she made around Ј100 a month from taking part and completing these surveys, not bad for a twelve year old. I joked by asking her whether I could also go around on the Saturday. Emma replied that this survey was only aimed at schoolchildren but that her parents also regularly took part in other surveys and that she would let me know when the next one was going to take place. The Saturday arrived and I took my step-daughter to Emma's house. I started talking to her parents while I waited for the meeting to finish. Her parents then told me about their own experiences of completing different surveys and stated that even though it is not a massive amount of money that it is a lot for what you have to do. They also said that it helped them to pay a number of bills each month. My step-daughter really enjoyed the meeting and came out kissing her Ј20. It beats washing your car, she said to me with a huge grin on her face.

         
    Earn while you shop find the right reward program for you

     

    Point-based reward programs are proliferating. You can earn enough miles to fly to Paris just by using your credit card or you can accumulate points that can be spent like cash merely by shopping at your favorite stores. But with so many options available, how do you know you're getting the biggest bang for your buck? The following tips will help ensure that you pick the right program for your needs. * Know your lifestyle. Choose a reward program that fits your priorities and lifestyle. If you travel a lot, try air mile travel reward programs like milesource. Similarly, if you like outdoor activities, look for a credit card like the Cabela's Club Visa, found at cabelas. You can earn points, in the store and online, that can be redeemed for all types of hunting, fishing and camping gear. * Reap your rewards. Select a reward program that doesn't add an expiration date to your hard-earned points. If it does, make sure you know the date and use the points before you lose them. * Look for flexible rewards. Avoid choosing reward programs that tie you into redeeming points only at specific vendors. Look for more flexible options like FreeStyle Rewards, found online at freestylerewards. It lets you build points by shopping online at more than 175 participating merchants. You redeem your points for a debit card that can be used anywhere MasterCard is accepted, online or offline. * Click 'n' save. Select online shopping reward programs that provide gateway access to your most frequently visited stores. You'll find everything you need, save money while you shop and build points as you go. * Share the wealth. How would you like to make point donations to family, friends or charities? Select a reward program that allows you to do so. * Compare. Just like you would compare merchandise prices, compare point-based reward programs by considering what's important to you and determining which ones will fit your needs.

         
    Effective ways of getting the best rates for your credit cards

     

    How many times a day do you receive offers through email or phone for free credit cards with money back schemes, low introductory rates and other perks of credit cards? All banks and financial institutions vie for maximum customers by pouring umpteen perks to tempt you, the customer, in one way or the other. Remember that a credit card is just a form of borrowing money that has to be paid later. However, it is better to choose a credit card with good rates to avoid ending up paying too much interest to the banks. Make it a point to compare credit card terms and fees before opening a credit or charge card account. Once you find the credit card that has an interest rate that best fits your needs and budget, you can then open an account with that bank. The annual percentage rate is the measure of the cost of credit the bank offers and is expressed as a yearly rate. Make sure you are aware of this rate before accepting a credit card as some credit card plans have interest rates that change when other economic indicators change. This plan is called a variable rate program. In such a case, when you first get the credit card, you may be offered 5% interest, but in case of index changes, the interest rate may go up to 8%. This means you will later have to pay more interest with the increased interest rate! So confirm if the credit card offers a variable rate program or 'fixed rate' program where there is no change in the annual percentage rate, even when economic indicators change. It is beneficial for you if the credit card you have has a 'grace period'. This is the period where you can avoid finance charges by paying your balance before due date. This is because with a free period, you will be sent your bill at least 14 days before the due date, thus giving you enough time to pay. Check if the credit card charges annual membership or participation fees or any other costs like transaction fees. It is better to choose the credit card company offering the least 'extra costs'! This is because the more extra costs there are, the more money you have to pay the company! When applying for a credit card, it is better to first consider if the credit limit is up to your requirements. Then only is it beneficial for you to apply for the credit card. To get the best rate for your credit card, make sure you understand all terms and condition of the card before accepting it. This is to avoid any future misunderstandings and misconceptions with the credit card company. Of course, the main point that is taken into consideration to get the best rate for your credit card is your credit score. The better the credit score you have, the better will be the rates the credit card company offers you! This is the reason it is always advisable to have, and maintain a good credit score!

         
    Energy conservation begins at home

     

    As Americans face rising fuel prices, many are looking for ways to save money and energy in their homes. The pressure to reduce energy consumption and costs is inspiring homeowners to challenge the relevance of old heating and hot water solutions and consider other cost-effective options, such as wall-hung boiler technology. Wall-hung boilers have been common in homes throughout Europe for the past three decades and are now emerging as a popular alternative for heating homes and businesses in North America. Baxi Luna wall-hung boilers, for instance, are helping homeowners throughout the U. S. cut their home heating and hot water fuel consumption in half. These boilers are fully modulating, meaning they start at a preset, high-fire position and gradually reduce fuel output until the heating demand is met. At this point, the boiler automatically shuts off. Billed as one of the quietest boilers on the market, Baxi Luna boilers are fired by propane or natural gas. No bigger than a kitchen cabinet, a Baxi Luna boiler can be installed in the closet - saving valuable living space in homes of up to 6,000 square feet. The boiler also is making commercial buildings more efficient. For example, this year a heating specialist in Biddeford, Maine, installed eight Baxi Luna high-efficiency condensing boilers in the City Hall and City Theatre. People living in the city expect the new heating system to reduce fuel use by at least 50 percent and save taxpayers money even in the face of rising fuel costs. Baxi Luna wall-hung boilers are approved by the American Gas Association and Canadian Standards Association. Consumers can take comfort from the boilers' Energy Star certification (for energy efficiency) and H-Stamp rating (for operating effectiveness). These environmentally friendly products are quiet enough to install in the back of a large closet, even in the master bedroom. They are ideal for in-floor radiant heating systems and are compatible with any type of air handler, wall or baseboard radiators and custom radiant applications, such as heated towel racks or snow melt.

         
    Energy tips to help your pocketbook and america

     

    According to the Department of Energy, household energy costs have increased a whopping 12 percent from 2004. Even more startling is the price of natural gas, which rose by 23 percent. The good news is that there are many actions Americans can take to lower their energy bills, and at the same time help the nation become more energy independent. Keep Your Cool This Summer • Use a microwave oven instead of a conventional oven. • Use a power strip to control your electricity use. A large number of electrical products-especially home electronics-can't be switched off completely without being unplugged. These products draw power 24 hours a day. Plugging them into a power strip to shut them off will save you money. • Lower the thermostat on your hot water heater to 115° and take showers instead of baths. • Wash only full loads of dishes and laundry. Landscape For Efficiency • The shelter from three trees, properly planted around a house, can cut annual heating/cooling costs up to $250. • Grow vines on trellises to shade windows, the side of a house or AC units. AC, Appliances And Lighting • Open windows, when conditions permit, and use fans instead of air-conditioning. Use a fan to maximize and spread the cooled air from air conditioner units. • Use a programmable thermostat with the AC to adjust the unit at night or when no one is home. • Keep lamps and TVs away from the thermostat. Heat from appliances and lamps could cause the air conditioner to run longer. Shade The Windows • Install white shades, drapes or blinds to reflect heat. Close curtains on southwest-facing windows during the day. Sunny windows can make an air conditioner work three times harder. • Replace single - and double-paned windows with Energy Star-labeled windows to save energy and money for years to come. Install them before December 31, 2007, and qualify for a tax credit. Weatherize • Caulking and weather stripping will help keep out hot outside air, thus keeping indoor air cool. If you see holes in ducts, hire a professional to repair them. • Add insulation around AC ducts in attics and crawl spaces. • Consider investing in insulation for the whole house. Whenever possible, purchase products with the Energy Star label. The label means you are investing in energy efficiency, value, comfort and high performance. Homeowners can save an estimated 30 percent (about $450) a year on their home energy bill by using Energy Star-qualified products.

         
    Excellent cure for extravagance and especially for mistaken economy

     

    When you find that you have no surplus at the end of the year, and yet have a good income, I advise you to take a few sheets of paper and form them into a book and mark down every item of expenditure. Post it every day or week in two columns, one headed “necessaries” or even “comforts”, and the other headed “luxuries,” and you will find that the latter column will be double, treble, and frequently ten times greater than the former. The real comforts of life cost but a small portion of what most of us can earn. It is the eyes of others and not our own eyes which ruin us. If all the world were blind except myself l should not care for fine clothes or furniture.” In America many persons like to repeat “we are all free and equal,” but it is a great mistake in more senses than one. That we are born “free and equal” is a glorious truth in one sense, yet we are not all born equally rich, and we never shall be. One may say; “there is a man who has an income of fifty thousand dollars per annum, while I have but one thousand dollars; I knew that fellow when he was poor like myself; now he is rich and thinks he is better than I am; I will show him that I am as good as he is; I will go and buy a horse and buggy; no, I cannot do that, but I will go and hire one and ride this afternoon on the same road that he does, and thus prove to him that I am as good as he is.” My friend, you need not take that trouble; you can easily prove that you are “as good as he is;” you have only to behave as well as he does; but you cannot make anybody believe that you are rich as he is. Besides, if you put on these “airs,” add waste your time and spend your money, your poor wife will be obliged to scrub her fingers off at home, and buy her tea two ounces at a time, and everything else in proportion, in order that you may keep up “appearances,” and, after all, deceive nobody. On the other hand, Mrs. Smith may say that her next-door neighbor married Johnson for his money, and “everybody says so.” She has a nice one-thousand dollar camel’s hair shawl, and she will make Smith get her an imitation one, and she will sit in a pew right next to her neighbor in church, in order to prove that she is her equal. My good woman, you will not get ahead in the world, if your vanity and envy thus take the lead. In this country, where we believe the majority ought to rule, we ignore that principle in regard to fashion, and let a handful of people, calling themselves the aristocracy, run up a false standard of perfection, and in endeavoring to rise to that standard, we constantly keep ourselves poor; all the time digging away for the sake of outside appearances. How much wiser to be a “law unto ourselves” and say, “we will regulate our out-go by our income, and lay up something for a rainy day.” People ought to be as sensible on the subject of money-getting as on any other subject. Like causes produces like effects. You cannot accumulate a fortune by taking the road that leads to poverty. It needs no prophet to tell us that those who live fully up to their means, without any thought of a reverse in this life, can never attain a pecuniary independence.

         
    Experts lend a hand with tips on lending money

     

    The smallest bills can cause the biggest stress, especially at the end of the month when due dates seem to come faster than paydays. When the financial outlook is uncertain, many choose to reach out to friends and family for short-term help. Lending money to friends is a common practice and although people often have the best of intentions, it can sometimes result in sticky situations. According to a recent study by IPSOS and PayPal, 71 percent of Americans have loaned money to family members and friends. It may seem harmless to help a friend make a car payment or assist a co-worker going through a divorce who just needs "a little help." But a temporary crisis isn't always so temporary-and can quickly become an uncomfortable situation if the lender has to ask for the money to be repaid. As easy as it is to lend to someone you know well, it can be just as hard to pester them to pay you back. According to etiquette experts Kim Izzo and Ceri Marsh, co-authors of "The Fabulous Girl's Guide to Decorum"and "The Fabulous Girl's Guide to Grace under Pressure," money issues between friends and family members are difficult because money is inherently an emotional situation for both parties. In fact, according to the survey, 57 percent of Americans have seen a relationship end because one person owed the other money. Everyone wants to be a good friend, but no one enjoys feeling like someone is taking advantage of their generosity, say Izzo and Marsh. "But money lending can be done right," continues Izzo. "We recommend setting some simple ground rules when considering the possibility of lending money. These ground rules can take some of the stress out of lending to friends and family, and even make it into a positive experience." Marsh and Izzo offer several tips for conducting successful financial transactions with friends and family: • If you're loaning money to someone close to you and if you're financially able, consider making it a gift rather than a loan. If not, make it clear you expect to be paid back. • To make collecting a debt easier and more comfortable, consider using a service called PayPal. This makes it possible to send and receive payments online. With PayPal, you can send e-mail reminders to the borrower. The lender can then get the money back instantly via email. • Never co-sign a loan or credit card application for someone else without clear, written parameters, and always maintain a business-like environment. • Don't lend beyond your means. Only lend money that you don't need back immediately so as not to ruin your credit or your relationship with the borrower. "It's possible to help out a friend or relative in a way that won't compromise a relationship, while still making sure you're not left empty-handed," says Marsh. "Be fair with both the borrower and your own bank account, and hold to your agreements. This will help keep both the relationship and your wallet intact."

         
    Family budget secrets to lower household expenses higher family income and wise money management

     

    Copyright 2006 AAA Consumer Credit Solutions A healthy home budget is the key to wealth, success and even a healthy family life. American and Canadian Families could create a much healthier home budget with a bit of discipline and planning. Ask a Consumer and she may tell you, up front, that paying the Grocery Bills gives the greatest cause for concern in the family’s home budget. Too often, money creates family fights. Paying bills, the Home Budget and family finances too often cause divorce. Parents can avoid such calamities with financial discipline, greater research and some professional help. Unfortunately, areas for greatest financial relief too often lie off limits, outside of the usual scrutiny for possible savings in the family’s home budget. These three areas: Mortgage Payments, Taxation of Income and Credit Card Debts drain away the family’s fortunes in ways we least suspect. In trying to reduce expenses from the Home Budget, you can dismiss high gas prices as a temporary event. Fluctuations in fruit and vegetable prices due to vagaries of the weather can impact the monthly home budget too. Those numbers pale in comparison to the heavy hitters in a home budget, such as Income Taxes paid, Mortgage Interest and excessive and un-necessary loan or Credit Card Payments. An annual, Income Tax Refund Check can offer relief in many a Family Budget. In order for your family to benefit, you must arrange your finances to profit from all income tax deductions you might be entitled to. You may hear about certain deductions. But since you, like many an employed Consumer, are no Finance Wiz, you tend to ignore them to your peril. Unfortunately, as an Employee, your income tax deductions are limited. They are almost cast in stone by government legislation. As a Business Owner, however, the rules are much more generous. You could save huge sums in income tax payments because of business expenses. Fortunately the distinctions and the rules are not quite as rigid as you might think. Let’s leave out the obvious personal deductions, medical, and educational expenses and similar employee and work related expenses. Here are some additional income tax deductions you can snag if only you had the know-how. These tax deductions, when astutely applied, would add considerable income to your home budget: 1. You can create a Home Based Business and immediately qualify for related expenses as income tax deductions 2. You could increase your Savings for Retirement and for your Pension to create additional income tax deductions 3. You could use Other Peoples Money for Investments. Here again is a third very legit means for tax deductions most Consumers are not familiar with. These are three key areas around which you could build substantial tax deductible expenses and hence keep a much larger portion of your income. They could add to the Income portion of your Household Budget and significantly reduce expenses. On the expense side of the Home Budgets, American and Canadian Families pay way too much in housing costs. A recent study of home finance revealed that the cost of housing approaches closer to 50% of the household budget than the 30% and 40% debt service ratios, which bankers use in screening applicants for mortgage financing. Rising House Prices and lower interest charges have allowed many to occupy homes they may soon be unable to afford. Tenants have used rent money to purchase homes. As interest rates continue the recent upward trend, foreclosures will increase and Canadian and American Households as Tenants or Home Owners will be priced out of their regular home expense budget. Newer approaches to mortgage payments have uncovered huge sums of excess profits that Lenders have been enjoying for years at the expense of the average Home Owner. These studies found that over the life of a mortgage, Consumers typically hand over DOUBLE the Purchase Price of their Homes as extended and un-necessary mortgage payments. At a time of record low interest rates, these large sums represent a voluntary contribution to the Lenders’ Profit margins. In the event you are hearing of these developments for the first time, then this over payment of a mortgage applies to you too. Almost every mortgage holder pays too much! Consumers as a group have been cajoled into giving our infinite trust to the Loan or Bank Officers. What we failed to realize is that in the lending industry, no one represents the interests of the Consumer. You must seek out your own professional for help. The final item of Credit Card Debt relates to impulse buying of clothes, shoes, trinkets, entertainment and vacations, CD’s, snacks, lattes and other consumables. Such expenses dramatically increase the monthly household expenses. As a Parent or Single Mom, responsible for the Home Budget, you would be shocked to review actual expenses from impulse and non-essential purchases. One Bank engages a prominent Financial Planner, who advises Customers to refrain from needless expenses on items such as cigarettes, lattйs, candies, coffee, and gum. These savings, they claim, could help to create a tidy retirement fund. With a bit of discipline, Consumers could reduce expenses by huge amounts in differing ways: 1. At $10.00 a purchase, you could drive a Mercedes Benz by giving up 6000 Trips to the Dollar Store. 2. At $40.00 a pack for cigarettes, a Consumer could have the entire gas bills paid if he simply quit smoking 3. A $250.00 a month Retirement Savings Contribution could result from ignoring the daily craving for an expensive lattй or the three cups of coffee a day habit. These expenses, when paid by cash, reflect an unnecessary drain on the household budget. Because of service charges, the drain is even more severe when you use Credit Cards and even Debit Cards for small and impulse purchases. All of a sudden, that Lattй which costs you $3.50 is in fact $4.50 if the Credit or Debit Card Company charges a $1.00 fee for each transaction. After one month, that two Lattes-a-day habit becomes a $140.0 a month cost. With maximum financed credit or debit charges they become a $200.00 to $250.00 a month expense. Consumers can generate huge savings to the Family’s Home Budget from a bit of research and from prudence and discipline in household expenses. It is vital for you to understand mortgages, loans and credit expenses much better. With a little tax planning, some stinginess and some savvy, Consumers can improve the household budget in ways they least expect. As a thrifty Consumer, you must start the search for more efficient ways to run your family’s home budget. The pay back would be terrific.

         
    Fast cash loans

     

    Fast cash loans are available to one and all today irrespective of the credit history, credit rating, scores etc. In case you require cash for any urgent needs, there are lots of lenders who will give you money with minimum of paperwork. Fast cash loans are commonly known as payday loans. The funds for them are provided to the individual through cash within minutes of being requested. Fast cash loans are usually quick and easy to obtain, but they are often stacked with high interest rates and a number of other fees. Of course, you can obtain one of these loans if you wish to. Fast cash loans are available to borrowers who need small cash amounts but need it fast. No collateral is required to be pledged for the loans. Fast cash loans are the only loan on the market that allows you to borrow money for a period of one to four weeks. Most companies will allow you the privilege of borrowing up to Ј1000 over this period, while other companies may only allow you to borrow Ј500. Fast cash loans are a safe way out. The best part is that even if you have bad, slow or nil credit rating, you can still get a fast cash loan. Fast loans are very popular among the people with bad credit history. Due to the various credit checks followed by the other loans bad creditors fails to meet their expenses. Fast loans are available in the financial market and are categorized in to secured and unsecured fast loans. In the case of secured fast loans, borrower has to pledge any valuable asset as collateral.

         
    Fast cash payday loans assist to fix instant unexpected needs

     

    If you are asked to arrange finances within a short period of time, it is not at all possible. What about some urgent needs that may crop up at any point of time? Some time or other you might face similar problems wherein you are needed to have instant cash ready in your hands. If you do face trouble at that time, simply opt for fast cash payday loans. Fast Cash Payday Loans offer quick cash to the loan applicants at a very short time. These are short term loans and offer amount in the range of

         
    Finance your child s education stress free

     

    In 2002, the average annual cost for a public university was $9,338. It is estimated that by 2017, the average annual cost will be $19,413. And that’s just for tuition and credit fees. Let’s not forget about room and board, books, food, clothes and extra activities. With those figures it mind, it would be wise to start planning for your child’s education today. You already know about loans and scholarships but those aren’t the only options. You don’t have to go into debt! There are several choices to help you prepare for your child’s future. 529 Plans A 529 or qualified tuition program is a (federal) tax-free investment plan that allows families to save for their childrens college educations. Each state has its own 529 plan and you do not have to be a resident of a particular state to invest in that state's plan. The 2 types of plans include: Prepaid Tuition Plans – These plans allow you to pay for your child’s in-state tuition at today’s prices. These accounts are low-risk and they are guaranteed to match or exceed in-state inflation. However, these plans are often limited to state residents and the cost may not be covered if your child decides to attend an in-state private university. Education Savings Accounts - Or college savings plans are investment accounts whose value fluctuates with the market. They can be used at eligible public and private universities - there are no residency requirements. Additionally, some plans have high contribution limits per beneficiary and you can contribute up to $11,000 per year without paying a gift tax. Savings Accounts Even if your child only has a few years until it’s time to go to college, it’s never too late to begin saving. Determine where you can cut costs and put that money into a high-interest savings account. For example, instead of buying 2 video games as a birthday present, buy one and put the extra money into a savings account. What about Christmas and Hanukkah? Sure, it’s fun to open presents but I guarantee that the novelty of those gifts will soon be forgotten and later on your child will thank you for making sure that their education was financed in a stress-free way. Here is a tip: look for a FDIC insured bank that is based online. These banks offer higher interest rates because they don’t have the operating overhead of having branches. The work the same way as a regular bank except that there is no physical branch. You deposit money through your current checking account and receive monthly statements either via email or through the mail.

         
     
         
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