Track Your Expenses in a Simple Spreadsheet and Find Money You Didn’t Know You Had
December 23, 2007
You need to track where you spend your money. Why do you think that is the first question financial advisers ask you when you turn to them for help?
Risk Factors Associated With Bond Investing
November 15, 2007
If you are new to investing perhaps you are not familiar with bonds. Before you get started, you need to understand some of the risks associated with bond investing. Most people assume that all interest-bearing securities Read more
Make Money Fast - A Blueprint To Get Rich PART 1
November 8, 2007
Here we are going to look at a way anyone with a bit of seed capital can get rich. You don’t need a lot of money, you don’t need luck and you don’t need more than average intelligence - all you need is a willingness to learn. Read more
Investing Basics To A Better Financial Future
November 1, 2007
Perhaps you’re in the same situation as so many other people have been in. You see people with wealth and want to have it for your family. Read more
FREE Resources Online To Help You Make BIG Profits
October 1, 2007
If you want some good FOREX education to help you build and execute a trading method the good news is you don’t have to buy a worthless e-book from a vendor ( with no real time results ) you can get all the info you need free. Read more
Ten Tips to Succeed in Stock Market
May 10, 2007
1. Cut your losses. Let your profit run. Always remember to set stop loss point.
2. Learn from your losses. Make each loss as a lesson to enrich your investment experience. Read more
Day Trading Systems - The ONE Criteria To Judge Them On
May 9, 2007
When buying a day trading system or any other system for that matter, you should use one criteria to judge them - yet most traders who buy trading systems don’t even consider it and lose! Here it is, use it and you will not only save money but give you the possibility of making money. Read more
7 Things You Should Know About Uranium Futures
May 7, 2007
On April 16, 2007 The New York Mercantile Exchange signed a 10-year agreement with the Ux Consulting Company, LLC to introduce on and off-exchange traded uranium futures. The futures products are set to debut on May 6 for trade date May 7 on both the CME Globex and NYMEX Clearport electronic platforms. Read more
How Your 401(k) Can Be The Best Investing Tool You’ve Ever Used
May 4, 2007
The 401(k) tax deferred retirement savings plan was established by the US government in 1981 to allow individual investors to save money for their own retirement. Money put into a 401(k) is taken from pre-tax income, and can be matched at various levels by an employer. Furthermore, all interest earned by a 401(k) is tax deferred. Read more
Discover the Secrets on How to Trade Futures That Professional Traders Have Been Hiding For Decades - How to Trade Futures Like the Pros
May 3, 2007
So, of all the business opportunities and investment opportunities you want to learn how to trade futures markets and actually make money doing it?
Maybe you are sick of your 401K doing nothing or hearing the whole diversify garbage many so called experts throw at you? Read more
The Trend Is Your Friend?
May 2, 2007
Everyone has heard “The Trend is Your Friend”. If you follow the trend you can make money. It doesn’t matter if the trend is up or down, if you follow it, you will make money. Read more
FOREX Trading - Make Money Fast a Novices Guide To Big Profits Quickly
May 1, 2007
If you want to make money fast in FOREX Trading this article is for you - Even if your novice trader you can build wealth quickly with low risk simply incorporate these simple tips in your trading plan. Read more
The Maze Of Debt Relief Options
April 9, 2007
If you’re living paycheck to paycheck, struggling each month to pay your bills, and feel like you’re drowning in a sea of debt, perhaps it’s time to examine your options for debt relief. So, you do a google search and are more confused than ever because of the various options available, each promising that their option is the best one for you. You try to do your due diligence but are just getting more and more frustrated and deeper in debt. What is a consumer to do?
Raise Your Credit Score FAST!
April 6, 2007
If there is one question I’m asked by consumers more than any other about credit, it’s this “What’s the fastest way to raise my credit score?”. My response is always the same “How much do you want to raise it?”
How You Can Deal With Debt Collectors
March 21, 2007
When you’re dealing with debt, one of the most stressful things can be the constant harassment from debt collectors via phone calls and letters. Fortunately, you do have some rights and protection as you deal with them.
Debt collectors are required to follow certain guidelines as they attempt to collect outstanding debts. They are set out in the Fair Debt Collection Practices Act. For example, they can’t call before 8:00am or after 9:00pm. They also must stop harassing phone calls if you have requested they do so.
The full text of the Fair Debt Collection Practices is available at the following website:
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#801
There are a few ways to deal with debt collectors under these rules. The simplest is to simply not answer the call. If you have caller ID on your phone and don’t recognize who’s calling, don’t answer. If it turns out to be somebody you would like to talk to, he or she can leave a message.
If you do answer the call and it turns out to be a debt collector, you can insist that they stop calling you. This should be followed up with a “cease and desist” letter physically sent to them, via certified or registered mail so you have proof they have received it. Debt collectors are legally obligated to stop calling if they receive one of these.
The most obvious and effective option for dealing with debt collectors is to actually pay the debt. After all, you agreed to pay the debt when you acquired it and you therefore should repay the creditor who lent you the money. You should still pay it even if you have told debt collectors to stop calling you.
If you are unable to repay the debt in full at once for some reason, you may be able to negotiate a reduced interest rate or partial repayment if you explain your situation. Keep in mind, however, that telling a creditor you’ve run up debt by doing too much unnecessary shopping is not going to gain you much sympathy. On the other hand, if you’ve just been fired from your job and are going through legitimately difficult financial times while you look for another, this will likely give you some room for negotiation.
If you do negotiate a better deal with your creditors, be sure to keep your word and pay what you’ve said you would. While bill collectors may seem relentlessly cruel, they’re really just there to collect the money you owe. That’s their job. Once you have made arrangements with creditors to repay what you owe them and have shown that you can be trusted to keep your word, bill collectors will move onto other people and leave you alone.
by Michael Geoffrey
Unsecured Loans
March 16, 2007
We all seek security and safety. Shelter and protection are our basic necessities. So why should our loans deal be any different? Unsecured loans offer the perfect solution in this regard.
Unsecured loans are the loan deals that do not require you to pledge your home as collateral. This being the chief distinctive feature of all unsecured loans, the other characteristics of the loan revolve around this fact only.
Often, unsecured loans are also known as short-term loans as the lender is sceptical in providing a loan for longer duration of time. The loan amount that can be availed through an unsecured loan is generally smaller than that available on other secured loans deal.
The Internet is a very friendly tool. Just like you are reading his article to form an opinion about your decision, you can also apply and procure your ideal unsecured loans deal online only. The world wide web is not just about information; you can not only gain access to current and most updated unbiased information on your type of loans, you also compare various loan quotes provided by the lenders in your area and finalise on the most suitable loans deal too!!
The Internet is abound with sites that not only help you apply online but they further simplify the process by letting you apply with various different lenders by just filling the complete information in the application form just once! What could now be an easier way as you even get loan quotes from lenders themselves and after thoroughly analysing the options available to you, you can choose the perfect unsecured loan for yourself.
When Payday Loans Cause Grief
March 15, 2007
Sheila Allen is a divorced mother of three, working to make ends meet and receiving only the occasional support from her ex-husband to keep her kids feed, clothed, and a roof over their heads. Most months they are simply scraping by, while other months Allen family financial condition is simply dire. Recently, Sheila decided she would actively pursue a personal loan to tackle some of her crushing debt. Unfortunately, she was turned down by two different lenders, both of whom said that her credit score was too low. One week, seeking to avoid late penalties and fees Sheila decided to get a payday loan. Unfortunately, that decision has ruined her credit completely.
Payday loans aren’t a disaster for everyone, but they can be for the person who doesn’t have the means to make repayment on the loan. In Sheila’s case she had every intention of paying back the $1000 she borrowed but she failed to take into consideration several things when opting for this type of loan including:
–Sheila didn’t realize that she would be charged $24 for every $1000 borrowed. Thus, at the end of the loan she owed $1240 which was $150 more than what she had.
–To avoid defaulting, Sheila extended her loan another 14 days. Unfortunately, that decision drove her loan to just over $1500 in less than one month’s time.
–When Sheila realized that she never could pay off her loan, she notified the payday loan company who demanded that she make payment or face legal action. Unfortunately, in the meantime Sheila’s second child broke his arm and her out of pocket expenses eroded her cash further. Sheila sent the company a check for $555 which was nearly $1000 short of what she had owed the company.
Today, Sheila’s credit has been destroyed and the Payday loan company is hounding her. With the help of a pro bono attorney and an advisor from the county clerk’s office, Sheila settled with the company for $750, money that her ex-husband scraped together. Unfortunately, there is now a red flag in Sheila’s credit reports announcing the incident which will hound her for many more years.
The moral of this story, what could it be? Don’t use a payday loan unless you are familiar with all of the terms and have the means to pay it back. Sheila’s credit is destroyed and her family has been pushed deeper into poverty because of her poor financial decision to seek a payday loan.
by Adam Heist
Choosing a financial planner
October 2, 2006
Choosing a financial planner
A financial planner can help you make the most of your money and decide where to invest it. But how do you pick a good planner and avoid being ripped off?
We’ve sourced some useful info from the Australian Securities and Investments Commission (ASIC) to help you in your search for the right financial planner.
Do I need a financial planner?
At the end of the day, it’s entirely up you! If you have money to invest or you’re looking to create wealth it might be worth speaking to a financial planner.
A planner takes into account your personal financial situation and your financial objectives to help you decide how to structure your investment eg. how much to invest in shares or property, cash or fixed interest etc. They’ll also be able to tell you how much insurance you need to make sure you’re covered, and what the tax implications will be.
Where do I go to find a good financial planner?
Talking to people you know at work or friends and family is a good way to find a planner. Ask your bank manager or contact your superannuation fund. Alternatively you can contact the Financial Planning Association (FPA) to find reputable, certified financial planners.
How do I make sure the planner is legit?
- Make sure they are licensed with ASIC.
- Don’t be afraid to ask questions. Find out how they are paid. Many are paid on a commission basis.
- Look at what services they offer and question them to find out their specialty. That may be handy if for example you are a public servant as public service super schemes are different from the private sector.
How much will a financial planner cost me?
There’s no prescribed amounts that planners can charge. Most reputable financial planners offer the initial consultation for free, so you have a chance to see if you like the planner and trust their expertise.
Planners can then charge an hourly rate, a fixed amount, a commission on the products they sell (the industry standard is between 1.5 per cent and 3 per cent). It may cost between $1,000 - $2,000 to begin with. However, these fees should be negotiable.
What paperwork should I get?
At your first consultation you should get a Financial Services Guide (FSG), which sets out who the advisor is, what services they offer, and what you can do if there’s a problem later on.
Once you commit to go ahead, you’ll get a Statement Of Advice (SOA) - advice specific to your situation and the planner’s reasons for believing the advice is suitable.
How do you avoid getting ripped off?
- Only ever use a licensed financial planner.
- Read all the info they give you, don’t be shy and ask plenty of questions. If the language is confusing it could be because it’s a scam.
- Always be careful of high returns, ’sure bets’ or secret deals.
- Ask your planner up front what happens if things go wrong later on. If they are unwilling or unable to outline their dispute resolution process, this could also be an indication that something is not right.
by Ryan Waston
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