Helping you get out of debt and on to a stress free life.

Trafficking in teardowns

22 July 2006

In some of the frothiest real estate markets, one of the hottest of trends is the teardown. From Greenwich to Winnetka to Santa Monica, houses young and old, well-maintained and not, are biting the dust so builders can put up something bigger or better.

What to Buy
The latest market swings should have you reaching for your shopping list.

Cars: 1969 outside, 2006 inside
There’s something people often forget about those great cars Detroit put out during the 1950s and 1960s.

Debt Free: The National Bankruptcy Kit (Legal Self-Help Series)

21 July 2006

Written in plain English, the information in this comprehensive reference book will guide readers through the entire bankruptcy process in a simple step-by-step manner. Sample filled-in documents, worksheets, checklists, and straight-forward instructions allow readers to file for Chapter 7 bankruptcy and cancel their major debts. Revised to contain the latest changes to bankruptcy law.
Customer Review: “SHE DID AN EXCELANT JOB”
“SHE DID AN EXCELANT JOB”, IS WHAT WAS SAID WHEN I FILED MY BANKRUPTCY FORMS. FOR MONTHS, I STRUGGLED WITH THE KIT ON MY OWN. I COULDN’T GET ANY HELP FROM THE COURT CLERKS, AND I EVEN TRYED AN ONLINE CHAT WITH A LAWYER(HE WAS JUST AS LITTLE HELP AS THE CLERKS). MY OPTIONS BECAME: EITHER CALL IT A LOSE, OR ORDER A BOOK AND TRY ONE MORE TIME. WELL!, NEEDLESS TO SAY, IT TOOK ME TWO DAYS TO READ THE BOOK AND GATHER THE INFORMATION THAT I NEEDED TO COMPLETE THE KIT. I HAD BEEN WRESTLING WITH THE KIT FROM MAY TO AUGUST BEFORE I ORDERED THE BOOK. BELIEVE IT OR NOT, IT TOOK ME TWO HOURS TO COMPLETE THE KIT IN IT’S ENTIRETY, AFTER READING THE BOOK. I WAS VERY PLEASED WITH THE RESAULTS OF “DEBT FREE”. I RECOMMEND THIS BOOK TO ANY ONE SET ON FILLING A CHAPTER SEVEN BANKRUPTCY, AND JUST CAN’T AFFORD THE FEES OF A PROFESSIONAL.
Customer Review: Great book if you are interested in filing Chap 7 bankruptcy
I found this book to be helpful for filing Chapter 7 bankruptcy as it has forms with instructions and examples along side. This is not the book for you if you are exploring other ways to correct your financial situation or if you want to file Chapter 13 bankruptcy. It has appendixes which list all state and federal exemptions. Buy Online Today From Amazon.com

What to Buy

20 July 2006

The latest market swings should have you reaching for your shopping list.

Dodging Your Lease
New web sites allow you do what was once impossible: get out of your auto lease.

Stock bargains in a scary market
Has a bear market already started? It’s sure beginning to look that way. After advancing for the first four months of the year, the S&P 500 has more than given back its gains. And the Nasdaq is down 14% from its mid-April high.

I Haven’t Saved a Dime, Now What?: Get Out of Debt/ Save for Retirement/ Tax Help

20 July 2006

So, you’re completely without a “cash umbrella” for a rainy day–but you know you need to get serious about saving right away. Congratulations! You can do it. And, the rewards are great: the security of knowing you can pay for college, buy a house or car, and enjoy your retirement. Put your finances in order with advice on figuring out what you’ve got, handling your paycheck, truly understanding your spending habits, and paying down your debts. Track expenses, plan a sample budget, and even find out where to hire a professional to help you. Make up a monthly money diary and realistic budget–and really take advantage of those smart, painless tips on saving. Answers to common questions in every section will clear the confusion about banking, brokers, credit cards, bankruptcy, insurance, and many other financial concerns. You’ll save much more than a dime…you’ll use what you’ve learned here and watch your dollars grow and grow!
Buy Online Today From Amazon.com

The Secrets to Good Credit and Debt Reduction : A Consumer Self Help Guide

19 July 2006

This simple,easy to read book shares mortgage banker D.J. Williams formulas for securing or restoring good credit, getting out of debt and gives all the reasons why good credit and low debt is a must in today’s society. With this remarkable consumer self-help guide, you’ll learn:

The basics of understanding the system including how to read your credit report, scoring, and knowing your rights.

How to establish a good credit rating and restore a poor one.

Your rights when dealing with collection agencies and credit repair organizations.

It’s About Time Warner

19 July 2006

Forget AOL. It’s the media giant’s other businesses that are keeping me in the stock.

Ditching Your Cell Contract
Think you’re locked into your cellphone contract? You may be able to swap out.

Take control of your vacation
It’s getting even harder for Americans to take a vacation. Almost 30% of workers plan to work while on vacation this year, according to a recent survey by CareerBuilder.com.

Where the (best) 6-figure jobs are
Making $100,000 or more is nothing to sneeze at.

Should You Take a Buyout Offer?

19 July 2006

Many companies are offering them. We’ll help you make the right choice.

The World Is Flat
Here’s what the flat yield curve means for your finances — from mortgages to CDs.

Stock bargains in a scary market
Has a bear market already started? It’s sure beginning to look that way. After advancing for the first four months of the year, the S&P 500 has more than given back its gains. And the Nasdaq is down 14% from its mid-April high.

Avoiding Complications in Credit Repair by Jonathan Cheong

19 July 2006

Avoiding complications in credit repair is almost important as getting out of debt. When we have bills that were neglected simply because we didn’t have the money to pay the bills, or else we purchased items instead of paying the bills, we are in debt. If you are considering a Home Equity Loan to get out of your current mortgage…DON”T. Why? Simply because most Home Equity Loans get you deeper in debt and once you are obligated you will find the problem is more complicated than we you applied for the loan. Lenders often target home owners with financial difficulties offering them high interest rates and making them believe it is a solution for debt relief. In most cases, this is where foreclosures come in, or selling homes come into place. The solution is only an option to get you in debt deeper. One solution then is for homeowners to consider the Reverse Mortgage Loans. This type of loan is often as equity against your home, belongings, and so on. The loan offers a ‘cash advance’ solution and requires that the owner does not pay on the mortgage until the end of the mortgage term or when the home is sold. Most lenders provide a lump sum advance, a line of credit, or else a monthly installment to the home owners. Some lenders even offer a combination to the homeowners. This is certainly a good solution for repairing your credit, and building your credit to a new future. The downside is that Reverse Home Mortgage Loans often are more suitable for the older generation of people that have built equity over the years in their homes. Another disadvantage is that almost all home loans require upfront payments, such as title, insurance, application fees, origination fees, interest and so on. Therefore, it pays to ask questions and shop around before taking out another loan to repair or build your credit. Fannie Mae Home Keeper Mortgage Programs are one of the many that offer a Reverse Home Mortgage Loan. Another option for paying off your debts and repairing your credit is to borrow the money from family members or friends. If you have someone that trusts you enough to loan you the money to get out of debt, it is often better than getting a loan. There are several options or questions you must consider before asking family members or friends to loan you the money to build or repair your credit. One of those questions should be the obvious. Can these people afford to lend me the money to get out of debt? Are these people kind enough to loan you money without putting high demands on you. Of course there may be interest involved, but remember they are loaning you money they could be spending on their own bills. Is it possible that you can repay the loan without complicating your situation further? Can I repay these people that loan me the money to free myself of one debt? How long do I have to repay the loan? Make sure there are no extra complications before asking friends or family for money to help get you out of debt. One of the best solutions for finding a way to repair your credit is searching the options to make the money yourself. If you have a mortgage payment and struggling each month to make ends meet, you might want to sell your home. Many homeowners go for this option simply because they make more money in the long run. Once they sell their home they are often able to repay their mortgage loan and then take out a loan for another mortgage more affordable. If you decide to sell your home to repair your credit and get out of debt, be sure that you look around for the best possible solutions in order to prevent further complications. Make sure you know how much is owed on your home before you set a price for resell. If there are any repairs that are minor or major, try to repair them first before selling. If you can’t afford to repair the home, try to do minimal repair so that you can up the price of the home you are selling. About the Author Discover the latest comprehensive resources for credit, loans and debt solutions. Click here => http://www.credit-loan-debt-solutions.com

Stock bargains in a scary market

19 July 2006

Has a bear market already started? It’s sure beginning to look that way. After advancing for the first four months of the year, the S&P 500 has more than given back its gains. And the Nasdaq is down 14% from its mid-April high.

Take control of your vacation
It’s getting even harder for Americans to take a vacation. Almost 30% of workers plan to work while on vacation this year, according to a recent survey by CareerBuilder.com.

Buying Tech Low

19 July 2006

With the Nasdaq near buying-opportunity levels, I’m mulling more eBay and Yahoo.

The Future of Hybrids
To become mainstream, these cars need to save money as well as the environment.

Get-started retirement plan
My company matches 50 cents for every dollar I put into my 401(k). I just started this year and have a balance of about $1,200. I know nothing about investing, however. So what should I invest in to increase my account balance? –George Carter, Hickory, North Carolina

Should You Take a Buyout Offer?
Many companies are offering them. We’ll help you make the right choice.