debt (14)

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Should I Co-sign A loan, credit card, or Apartment for a Family member?

If you’re a parent then I suggest to add your kids on your credit accounts as authorize user.  This will build up their credit, so you as the parent will not need to co-sign for their student loans, cars, and apartments. 

Now, if you have a family member or love one that having credit issues and they ask if you would sign for them a car, credit card, or apartment, then I would suggest you not to do it.  The reason is that it could ruin the relationship.  For example, if a family needs to move into a new apartment and they ask you to co-sign and you decide to do it.  If that person loses his or her job, then you’ll be stuck with making the payments or ruining your personal credit and the relationship.

I always suggest if a person is having credit issues offer to help them repair their personal credit, if they refuse, then you know that person is not the one to be offering help too.  Some may argue that you should look at how financially responsible the person is in order to determine if it’s worth you putting your good personal credit on the line.  However, you must factor in that things could happen to the person or their employment and that may leave you on the hook for extra bills.

So, in conclusion, I would suggest find other ways to help them, rather reserve the relationship then jeopardize personal credit if the person is not will to fix their own credit.

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Simple Savings Strategies

A savings fund is your best defense against forces that seek to derail your debt free momentum. Yes! Forces intent on keeping you mired in money mishaps, floundering in financial fiascos, or let’s face it – deep in debt are real. Alliterative exercises aside, a savings fund is a must have. It’s just not always an easy must do.

Before tackling a debt repayment plan, set up a Mad Money Fund. This fund should contain at least $1000 (depending on your comfort level). Some balk at the low figure, but consider your recent emergencies. Would $1000 have been sufficient? Don’t dread using the cushion in a genuine emergency. The Mad Money Fund exists so you avoid the madness when emergencies happen.

  1. Start your budget. The quickest way to give yourself a raise is to tell your money where to go. You do that with a budget.
  2. Setup auto saving. Redirect money to your savings using automatic tools. You don’t miss what you don’t see.
  3. Sell everything. What are you hoarding that can be converted into cash? Ebay. Craig’s List. Garage Sale. Clean house and build your savings.
  4. Stash windfalls. Do you have a lump some coming? Instead of spending before you receive, plan on using that to pad your savings.
  5. Seek extra income. Do you have a marketable service? Hire yourself out. Secure part-time income and save up.

Trying to pay off debt without a savings stash is like filling a leaky bucket. Eventually, frustration may cause you to give up completely. The Mad Money Fund will help you avoid using credit so emergencies don’t derail your debt repayment plans.

Do you have other simple savings strategies to share?

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I believe that effective outsourced accounting, taxation, financial management and consulting is more than a service, it is a relationship. We build that relationship with each client by learning about his or her business process and culture. Then we design a service package that meets the unique needs of the business. If the client has an in-house accounting staff, our team can supplement and support their work. If needed, we can become the in-house accounting department.

 

Shirika Gomillion

Accountant & Tax Advisor

http://www.saccountingsolutions.com

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Listen to internet radio with Lurie Daniel Favors on Blog Talk Radio

 

Ryan Van Poederooyen - AT2035

 

Creative Commons Licensephoto credit: Audio-TechnicaUK

Hosted by Consumer Rights Attorney Lurie Daniel Favors, "Financially Focused" is an online radio show/podcast dedicated to helping people with money problems become financially empowered. Whether it’s dealing with rising debt, wage garnishment, debt collection lawsuits or bankruptcy, "Financially Focused" will help you get a grip on your monetary outlook. The show is designed to empower historically and economically disenfranchised families & communities to take charge of their financial condition and to create the type of fiscal reality they desire.

The show airs live on Fridays at 2:30 pm and can be downloaded via iTunes as a podcast so you can take your financial news on the go. Of course, you can always stream the latest shows right here.  Get informed, get in the know and get focused on your financial outlook today!

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Something's hot in the pot! I am excited and on the road to being debt free! Let's make it happen for you too! I know we all have different reasons why we want financial security, so let those reasons be your motivation for at least checking out this great income opportunity.   http://www.reserveyourcup.com/cdnvisions


The product is organic instant gourmet coffee!  Yep, coffee!  It's the second  most consumed beverage following water!  And, in commodities, it's second to oil!  Who woulda thunk it?! 


We're in the Pre-Launch phase of this new company and you can join, get a website and build your team for FREE until June 1, 2011. We've got expert leadership, enthusiastic team support, and a super fantastic compensation plan.


So, go to my website at the link below, watch the video and seriously consider if this venture is right for you. Come on, it's FREE until June 1--No risk and no obligation! Feel free to email me at cdnvisions@gmail.com


Please don't be skeptical because every mega success in existence today--Microsoft, McDonald's, Starbucks and countless others--have had their humble beginnings. Looking back, we all would have loved to have had a start-up opportunity with any of them. Well, you may have missed those opportunities but here's your chance not to miss this one--it's all about timing and positioning!


So, avoid slapping yourself on the forehead later and Reserve Your Cup now! See the vision and embrace it!

http://www.reserveyourcup.com/cdnvisions

Listen to the live conference calls and webinars:

Daily Mon-Fri @ 12 noon and 3pm CST (760) 569-7676 pin: 631596#
Nightly @ 8pm CST (760) 569-7676 pin: 257841#

Midnight Madness Call and Webinar @http://www.iprosperonline.com
w/Conference Call ( Simultaneous) @ (218) 339-2409 pin: 6544789  ****Eastern Time Zone****


Maximize Your Morning Wake Up Call 7am CST
http://instantteleseminar.com/?eventID=19438365
Phone Number: (713) 300-0182
Pin Code: 300348#


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With just a few days left until the end of the month, as well as April being Financial Literacy month.   I thought it was very ironic to hear a recent radio advertisement announcing that certain individuals should take part in a great program being given by creditors; it’s called “The Credit Amnesty Program”.  This advertisement was encouraging people who have credit scores as low as 480, to come and apply for INSTANT CREDIT no one is turned down.  Lie!!!!!, this is the biggest gimmick and it’s been around for years it just has a new name, but the financial shackles are the same for individual with bad credit.  Why because the people who buy into these tactics are given interest rates as high as 18% or higher, the debt these individuals accumulate is designed for them not to pay if off which in turn many of these people will default on their debt.  I recently did a webinar regarding “What impacts Your Credit” during this webinar I showed the cost comparison of a credit worthy consumer and an unworthy credit consumer.  Take a look:

Examples of Credit Profiles

Here is an example of the cost of a $20,000 car loan over 5 years:

Prime 680 or higher score - Interest rate 7%, Payment $405, Total Cost after 5 years $24,300

Sub prime 500 - 619 Interest rate 14%, Payment $477, Total Cost after 5 years $28,620

Jilted 500 or below – Interest rate 21%, Payment $557, Total Cost after 5 years $33,420

As you can see in this example there no advantages of being an unworthy credit consumer, you may be able to buy material purchases but the consumer with bad credit pays a big price at the end.  Don’t buy into the hype, educate yourself.

 

 

Lorillia Brown-Phillips

Building and Preserving Wealth One Generation at Time

www.brownassocllc.com

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Debt that has been sold is no longer your debt. It now belongs to the company that bought it. They only way they get paid is by ATTEMPTING to collect it. Just review every letter that is sent to you by a DEBT collector. It states that "this is an ATTEMPT to collect a debt.

THIRD PARTY DEBT IS NOT REAL DEBT. In this country, we do not have enough regulation to protect consumers. Beforeyou go filing bankrupt, which I do not suggest you do, decide if you arereally in DEBT. This image has been created in your mind.

For more information on Debt and Credit information visit my site at www.reginalittles.com

Or you can join the fan club on facebook (REGINA LITTLES).

Author of the Trinity Collection-Credit Education for the 21st century.

advocate102@hotmail.com
321-287-0986


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Is Network Marketing Lucrative?

I remember hearing about network marketing and immediately thought “scams” where it was to good to be true. I held on to that for years. I recently began researching companies that came out with products that appeared to be good. I found many had a lot in common in there approach. I would like to share some of that information with you because when you are uneducated you can make costly mistakes or fail to see when a reputable company comes along.I use to cringe when folks would attempt to aggressively recruit me because of my position with people. It was difficult for me to say, NO because I wasn’t armed with information. My past experience as an educated has proved to be key when dealing with people about products and services.RED FLAGS!!!!!!!!!!NOW IS THE TIME!ASK FOR LARGE AMOUNT TO GET IN!NOT LISTED OR DOESN’T HAVE A GOOD RATING *BBB or Direct SalesONLY THE FOLKS ON TOP GET PAIDCOMPENSATION PLAN NOT SOLIDUSES AGGRESSIVE SALES TACTICSTREND PRODUCTWhen you see these types to things you need to stay away from these ideas because they can get you in a lot of trouble with those you bring into the business and those you sell to.GREAT INDICATORS!!!!!!!!GREAT PRODUCT OR SERVICESMALL START UP COSTSOLID COMPANYGREAT COMPENSATION PLANFOCUSES ON TEAM BUILDINGOFFERS TO ALL *meaning products can be for entire household*NO TERRITORY ISSUESYOUR EFFORTS COUNT TOWARDS YOUOFFER GREAT TRAININGANYTIME IS A GOOD TIME TO JOINIf you see these kinds of offers and can prove them you have just found a solid network marketing company that can yield you anywhere from 500-10,000 month. In the business that I am in people approach me all the time about joining their teams. I can’t take the risk of getting caught up in a company that will not be around. I encourage you to do your research before you jump in.I have been afforded the opportunity to be a part of two great companies like Prepaid Legal and Arbonne International. Please research both companies and you will find they are solid and have great compensation plans.Please call me if you have any questions @901-553-8901or email me sharenrooks@gmail.com

This is what you get when you "TELL IT" All RVP get a FREE white Mercedes with Arbonne.
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A Solution to many Problems

A totally automated website for free, if its on your site you can earn from it. http://urlmule.com/?2649No Money down Home Loans http://urlmule.com/?2650Free Fundraising Services http://urlmule.com/?2661ASN Financial services~Are you in debt, have tax issues, in danger of losing your home, have credit problems,want to buy with nothing down, have wage garnishments, if you ansered YES we can help http://urlmule.com/?2648
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THE MONEY MERGE ACCOUNT PROGRAMWhat would you do if you could build wealth and eliminate debt simultaneously, by putting your money to work for you? Would you take a family vacation? Start a college fund? Invest in real estate?United First Financial™ can help you achieve your financial goals through the strategic interest cancellation and wealth-building power of the revolutionary Money Merge Account™ program.You can save time and interest on nearly every debt you have. The key is to make your money work smarter with little impact to your standard of living. The Money Merge Account program calculates the fastest way to pay off your mortgage and consumer debt, and build a substantial savings nest egg based on your specific income, payments, living expenses and financial goals. You never have to guess which loans to pay off first, when to pay or how much extra to send.Contact:Tangela M. Davistdavis@trinitystrategicconsulting.com704-299-1195Directions to our Webinar event today:Event Time:Tuesday, February 3, 20097:00p - 8:00p MST (9:00 pm-10:00 pm EST)https://www1.gotomeeting.com/register/767304900
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My Professional Sisters, we must be fully educated on the dynamics of our finances (personal and business) in order to maximize our efforts of realizing our goals and dreams and most of all reducing our financial stress. I will be sharing with you in several series, education surrounding debt management. Please avail yourself to become truly knowledgeable about this nationwide challenge that we face today. You don’t have to be an expert; however, you need to understand how you can make your money perform better for you. Debt management is the core our careers, relationships, families and communities in which we live. Join me as I bring to you the wisdom of truly understanding how we manage our debt effectively and build wealth on our terms. The first part of our series speaks to student loan debt; if this is you today or you have children in college, be alert to the key points outlined in this segment. Enjoy the wisdom!Our topic for the series is "Good" Debt vs. "Bad" Debt!Feature Points Covered:-Student buy non-essentials more often than other groups-There are different types of debt-Being responsible with debt will result in long-term benefitsA friend in the banking/investment industry summed it all up: good debt is an oxymoron; there's no such thing as good debt.However, while debt may be something we all wish could be avoided, there are some forms of borrowing that do have advantages, and even those that are considered bad debt can be useful if used properly.Part 1Background on Student DebtFirst and foremost, student loans should be utilized for education and required living expenses only. Trends in college student spending indicate a rise in non-essential expenses.Pricegrabber.com, in conjunction with Rand Youth Poll and Campusmag.com, issued a 20-year study showing trends in student spending. Basically, the results showed that students are more technologically savvy than 20 years ago.Spending has increased in the area of entertainment with large plasma TVs, cellular phones and iPhones with all the bells and whistles, and iPods with subscriptions to download music and DVDs.Other increases are clothing costs for designer clothing and the emergence of gourmet coffees and other specialized foods.As a result, students (not just the 18- to 21-year-olds, either) are easily drawn into borrowing extra student loans to purchase extravagant tangible and intangible goods.The key to good borrowing through student loans is to set up a budget and resist spending on unnecessary items. There's time for purchasing nicer items after graduating.Article by Terri Hare – elearners.comThanks and until our next series on “Good Debt” – stay wise!Tangela M. Davis, MBADistrict ManagerUnited First FinancialT. 704-299-1195E. tdavis@trinitystrategicconsulting.comW. www.unitedfirstfinancial.com“Be Mortgage and Debt Free in Half the Time or Less – Own It Free and Clear!”
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How to Turn Your Financial Troubles Around

Money worries have many different voices: “How am I going to pay my phone bill? My lights are almost two months behind. The rent is due. What are we going to do about the mortgage? We don’t have money for football uniforms. No field trip. That cost money. No, you can’t have that, it cost more than what we have in our budget. They’re coming to take the furniture back; our payment is overdue. The kid needs her braces removed but the dentist won’t do it unless we pay the rest of the money we owe. I’ve lost my job. I’m sorry, honey, they have downsized my position. If I want to keep my job I will have to take a cut in pay. How can I afford these child support payments? I can’t take this any more. What are we going to do?”A mind that is cluttered with money worries may be flooded with one or two or all of these thoughts at one time or another. Maybe you were there once in your life, maybe not. Most people with financial troubles are anxious, confused, angry, harbor feelings of hopelessness, insecurity, and uncertainty about future financial outcomes. Consequently, this state of mind affects everything, including work performance.It’s time for a financial assessment. Is your trouble because you have maxed out your credit cards? Maybe you have more month than money. Do you have medical expenses? Are you sick and can’t work? Have you lost your job, or been downsized? Where did the shortage originate?Once you have assessed where the problem lie, then you can look at remedies. Money troubles in plain simple English are not enough money to cover your present lifestyle. The causes may or may not be within your control.When the funds are low, the logical answer would be to make more but what most people do is fret about it. Some spend more time worrying about what they don’t have while others add on a second job.Money troubles are not going to go away without something changing. Worry will not make up the deficit but initiating a plan of action will.Step IMake a list of all of your monthly household livingexpenses: mortgage, rent, utility bills, etc.Step IIList Your Debts (creditors you owe)Step IIIList your entertainmentStep IVList miscellaneous (lunch, coffee, snacks, etc.)Step VWrite in how much you pay on each. Total thatamount.Step VIList your sources of income (job, spouse, etc.). Takethe total from this and subtract it from what you spend onhousehold, debts and entertainment. If that figure showsyou are not covering your expenses, look back at yourexpenses; see what you can eliminate from entertainment.Make a list of other areas you are expending money,such as lunch, dry cleaning, hair cuts, etc.Try taking your lunch from home rather than buying lunch. The average lunch cost about $7.00. That $7.00 for five days comes to $35.00 a week, totaling $140.00 a month. Imagine if you, your wife and children spent the same amount weekly,that would amount to a partial mortgage or rental payment.Take a look at your Debt. Began to work from the smallest to the largest. Take the money you saved from not buying, let’s say lunch, and redirect the total amount towards paying off the smallest debt first.As you pay off each debt, take that money and add it to the next smallest debt, working your way to the largest, until you have eliminated your debt completely. While you are doing this, examine your household budget.Look at how to eliminate some of your other expenditures; for example, if you have a high cell phone bill, you might want to exchange that cell phone for one with a more fixed rate. Maybe instead of hiring a lawn service, you could cut the grass yourself. Perhaps you might visit Barber or cosmetology trade schools to obtain these services at a reduced rate.Look at what you are already doing first to find the extra money. If you still need more to make up the deficit, then you might look at your skills and talents: start a home-based business. It’s something you could do as a family.Money troubles can be conquered, if you are willing to take a few extra steps. Don’t look at the impossible debt mountain, began the climb one step at a time. And, yes, it is okay to reward yourself along the way but keep in mind where you are headed. Don’t overdo it. Once your debt is eliminated, don’t spend the excess money; instead, add it to your future savings options.Understand that paying your debts down will not take place overnight but if you are consistent it will happen.Blondie L. Clayton is a Realization Strategist™, Publishing Coach, Author of several books, Freelance Writer, hosts of several radio talk shows online. Download your free debt free starter kit at debtfree.print2publish.com
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Good Morning!Please visit my page, www.ryze.com/talkradioproducer. We would love to have you join us on Wednesday, May 21, 2008 at 11 a.m. (EST) on www.blogtalkradio.com/wbo-radio. The dial in phone number is (347) 205-9229 or join us in the chatroom on the host page.You can find more information about Women Business Owners' radio talk show and our featured guests in our blog.Be sure to sign our guestbook, rate our show or add comments!.See you tomorrow!Althawww.ryze.com/go/talkradioproducerAdd yourself as a friend! Keep up to date on our show news!www.blogtalkradio.com/wbo-radioCome Listen May 21st! Rate our show!
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