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ChrisB created new blog entry 5 Simple Tips for Tackling Credit Card Debt in Credit and Debt 11 hours 45 minutes ago

When credit card debt has you down and you don’t know what to do next, it’s time to formulate a strategy. Once you better understand your situation and the steps you can take, it’s much easier tackle credit card debt in a highly efficient ...

A credit card’s interest rate is one of the most important features, particularly for cardholders who carry a balance on their credit cards. Having a low interest rate means minimizes the cost of paying off a credit card balance over time. But, do ...

ChrisB created new blog entry 5 Ways to Lower Your Car Insurance Premium in Insurance 11 hours 55 minutes ago

Is your car insurance premium dragging down your monthly budget? Are you searching for ways to save on the cost of coverage? The only way to eliminate this expense altogether is to get rid of your vehicle. Since this isn’t an option for mo ...

JGibbs replied to the topic 'Borrowing for an educational course' in the forum. 19 hours 54 minutes ago

A few states offer a free education to their citizens like Arkansas and Tennessee. I would also check out a trade school program where I could learn and earn at the same time.

I deeply regret borrowing money for school. I paid for undergrad with scholarships, work study, and grants so I didn't need to take a loan. Unfortunately, I borrowed a significant amount for grad school under the grad plus loan program. The standard advice at that time was to go to the best/highest ranked school that accepted you. I did exactly that and it was a huge mistake. I've found that the Department of Education doesn't follow the same rules that you'd expect. How much you pay can change on a whim. The public service loan forgiveness program is up in the air, even for those who had department approval when they first applied. The department outsources most of the work to the private sector which is a problem. The debt will follow you too as it's extremely difficult to have student loan debt discharged in bankruptcy. Employers routinely check credit information when considering new hires.

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Goldbug replied to the topic 'Home Party Business Advice' in the forum. yesterday

FrankN wrote:

The one I did was through Skype but it was not a good experience at all. I did not enjoy it.
I don;t know if it is much the same but I've seen a company host an online convention to pitch their goods, using Skype and IM with a website. It really didn't work well because the online system formed a barrier between the users. There wasn't any of the social part or a chance to chat privately to other visitors about it, rather than to the sales rep.

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Lexie replied to the topic 'Borrowing for an educational course' in the forum. 2 days ago

That's right Goldbug. Employers will sometimes pay for courses for their employees just to improve themselves and the quality of their work. However, if that's not possible, then why not borrow enough money for just one course, pay off the loan and then do it all over again. That way the debt will not accumulate. Do check with your employer for a stipend before taking the plunge.

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Lexie replied to the topic 'Federal Reserve to raise interest by september 2015' in the forum. 2 days ago

FrugalFran wrote:

Well, I don't know what the inflation rate has been for the past several years, but based on how much my grocery bill has increased, I'd say it's out of control. (I know that's probably not the case, but it sure feels like it!)

I totally agree FrugalFran. Mine is the same way. As long as there are credit cards, people will not stop buying. However, some of us older folks will stop buying so as not to go in debt again. I've cut back and cut back till there's not much left to cut if you know what I mean.

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Mochrie9 replied to the topic 'wealth management group Las Vegas' in the forum. 2 days ago

Joyous to know about this information on debt consolidator. There are present many wealth management group Las Vegas and they can help you to manage finances. Looking forward to hire a reputed one.

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FrugalFran replied to the topic 'Federal Reserve to raise interest by september 2015' in the forum. 2 days ago

Well, I don't know what the inflation rate has been for the past several years, but based on how much my grocery bill has increased, I'd say it's out of control. (I know that's probably not the case, but it sure feels like it!)

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Goldbug replied to the topic 'Borrowing for an educational course' in the forum. 3 days ago

I think it is a good idea. Depending on what you learn it is an investment as improved skills can always help your career. Some employers will offer help or interest-free loans to cover training, so if someone in work wants training, it is worth asking about them.

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Goldbug replied to the topic 'US Mortgage Comparison Sites' in the forum. 3 days ago

FrankN wrote:

I 100% agree. You should always look for the lowest possible rate. Over the life of a mortgage that could save you BIG TIME bucks!
I'd make one change to that. Look for the lowest rate and best terms long term. When we were buying we could have got a cheaper mortgage than the one we settled on, but all those deals were for one or two years. By taking a slightly higher rate but getting a guaranteed life-of-the-mortgage deal we've saved a lot, especially as the market changed. The bank keeps trying to change our terms, and we keep refusing to let them!

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FrugalFran replied to the topic 'Credit' in the forum. 3 days ago

Congratulations on the home purchase and the move, Frank!! I know this has been a big goal of yours for a while, so I am very happy to hear you achieved it. :cheer:

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FrugalFran replied to the topic 'Plastc' in the forum. 3 days ago

I can see that point. I wonder if the people who still use checks are also mailing checks to pay bills. As you said before, all of our information is online these days since most of us use online bill paying. I wonder if you use checks at stores and mail checks for bill payment (therefore not registering for online accounts with credit card companies, utilities, etc.) if that helps to safeguard the information.

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Tishbel replied to the topic 'Credit' in the forum. 4 days ago

FrankN wrote:

We just finished moving in. MAN MOVING IS TIRING. I am too cheap to hire people so we did it all ourselves.
WELL DONE! You didn't just save money. If movers where you are are any like the last ones I hired, you probably saved anything fragile that needed moving!

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Tishbel replied to the topic 'No Job And No Prospects' in the forum. 4 days ago

FrankN wrote:

Yes it is. My family struggled in the early 90s and it was extremely difficult. Its hard to look at the positives in life when your family is all going through financial suffering.
True, but it is also much easier to go through it when you have other people to depend on who are going through it with you. People you can lean on, who can help with advice suggestions, or finding their own job really are invaluable.

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Tishbel replied to the topic 'Debt debt debt' in the forum. 4 days ago

That's a very useful article. I think the first sign that credit card debt is becoming a problem is carrying a balance and only paying the minimum monthly payment. The minimums usually don't cover the interest so if you do that, the debt is just going to start creeping up and people just don't seem to be aware of that.

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This Blog brings to light many important concepts for traveling. As a highlight, using a Debit Card exposes your banking accounts to holds and scamming (remember you do not have the same protections as a credit card). Using a credit card is often eas

Wanderer replied to the topic 'Going back to the question...' in the forum. 4 days ago

Kept quiet until now ... maybe I am too shy and reserved but investments in fractional interests seems like being a limited partner and the general may get all the spoils. Also, if someone else is managing how do you know you are getting the real information and I could go on ... Makes me nervous!

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Wanderer replied to the topic 'The Role Of the Federal Government' in the forum. 4 days ago

Research some of the Credit Unions in your area or of interest and look at their availability (such as the shared Credit Union Coop option).

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Wanderer replied to the topic 'Free Credit Score' in the forum. 4 days ago

The Annual Free Credit Report is available as free once yearly.

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