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Guest Bloggers Are Welcome

Budgeting - The Critical Flaw That Causes Most Budgets to Fail

By: Charles Phelan Personal Finance Views: 4475 | Comments: 0 | Votes: 0

Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that most of us start out with the best of intentions, but an unexpected expense comes up and busts our budget. So what's the problem? Everyone knows how much their rent or mortgage payment is. Home maintenance costs? More

Guide for Students and New Grads

By: Amanda Gleason Education Planning Views: 4647 | Comments: 0 | Votes: 0

Bankrate.com just released their 2007 College Financing and Career Guide, and there are some articles included that are definitely worth checking out. I'd had internships during college, but my last one wasn't something that could pan out into a full-time job (the company was too small, I think). It was then that my parents sat me down and had a little talk about "networking". More

Is It Too Late To Create Your Living Trust?

By: Ruth Campbell Estate Planning Views: 3384 | Comments: 0 | Votes: 0

All that is basically required is to draw up a trust directing how the assets (usually property) will be managed.Many people who have large property packages that are being rented out for income assign these properties to a living trust, and enjoy the rental income as long as they are alive. In other words they can be changed and revalued. More

Donations To Charity - Do We Need Them In The 2007 America?

By: WiseSaver Personal Finance Views: 3000 | Comments: 0 | Votes: 0

In the world we live in, donations charity has become a very important subject. Just look around: natural disasters, poverty, hunger and many life-threatening situations. This is exactly what we can see day after day on TV or even near us. In this context, it is no wonder that donations charity has become essential. The fact is that a donation does not need to be very substantial. More

Will Inquiries Lower Your Credit Score?

By: WiseSaver Banking Views: 4097 | Comments: 0 | Votes: 0

What are inquiries?When you apply for credit the creditor or lender checks your credit report to verify that you qualify for the credit or loan you are applying for. The "inquiry" is then reported to the credit bureaus and shows up on your credit report.Does this affect your credit rating or score?Yes, it does. You should view your report at least once a month. More

Debt a Glossary of Terms

By: Goldfish Personal Finance Views: 3696 | Comments: 1 | Votes: 0

Bankruptcy - Having been legally declared financially insolvent. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt.Credit Bureau - An organization to which business firms apply for credit information on prospective customers. Credit Report -An account of your credit history, prepared by a credit bureau. More

Renting good credit may become history

By: Kenneth R. Harney Credit Repair Views: 2544 | Comments: 0 | Votes: 0

WASHINGTON – The days may be numbered for dozens of Internet-based companies that promise to quickly boost FICO credit scores by 200 to 300 points. Fair Isaac Corp., the developer of the widely used FICO score, soon plans to introduce key changes designed to derail schemes that transplant high-quality credit card histories into the files of people with low FICO scores. Kenneth R. More

Credit Card Loss Protection Offers: They're the Real Steal

By: Peter Suhai Banking Views: 3653 | Comments: 0 | Votes: 0

"I got a call from a woman who said I need credit card loss protection insurance. I thought there was a law that limited my liability to $50 for unauthorized charges. But she said the law had changed and that now, people are liable for all unauthorized charges on their account. Is that true?" Don't buy the pitch - and don't buy the "loss protection" insurance. and abroad. More

Research Is The Key To Best Personal Auto Finance Deal

By: Frugal World Auto Loans Views: 3845 | Comments: 0 | Votes: 0

Auto financing has emerged as a growing sector in the loan industry. The basic reason is that an automobile is considered as a necessity whether it’s for personal purpose or business purpose.Due to inflation and growing prices of an automobile, it is quite obvious that the person needs financial assistance in order to purchase an automobile. More

Credit Card Traps

By: Academix Banking Views: 3880 | Comments: 0 | Votes: 0

One pitfall of credit cards is the cash advance. Most credit cards will issue you a Personal Identification Number (PIN) so that you can withdraw cash at any ATM, just like a debit or bank card. Although the convenience is great, so is the cost. Cash advances from credit cards rarely, if ever, have a repayment grace period. They only read the minimum payment due, and maybe the balance. More