Latest News
Mortgage Rates Trending Up, Is it Time To Refinance
When should you decide to refinance your home mortgage loan? This is a difficult and important decision facing you and your home finances. After historically low interest rates mortgage rates are trending upwards. Refinancing home mortgage loans is all about timing. At present there are 850,000 homes are now a positive equity situation after taking [...]
Make a Personal Statement With Your Checks
Are your checks lacking a little bit in the flair department? Are you still using checks that are barely more interesting than the bill itself you are trying to pay? It is all too common a problem. While some people may not have a problem using lackluster checks, those in the business world have a [...]
Congress And Medical Professionals Examining Scooter Ads For Seniors
Ads for motorized scooters that are targeted towards seniors are receiving increased scrutiny from medical professionals and Congress as critics complain that they are convincing many seniors that they need a scooter when they really do not. Medical professionals are concerned that using the scooters unnecessarily can make seniors sedentary, which can exacerbate obesity and [...]
More Money Than Ever Going Into College Savings Plans
College savings have hit an all time high as parents and grandparents are putting more away to counter soaring tuition costs. The average balance among 529 college savings plans grew to a record $17,174 in 2012, according to a report from the nonprofit College Savings Plans Network. This was up 12% from $15,349 in 2011. [...]
Direct Selling To Consumers Is Increasingly The Goal Of Many Small Businesses
Small retailers are now seeking ways to sell their merchandise directly to customers, instead of having to go through the larger mass merchandisers. Some retailers open their own storefronts, while some others sell their products at popular shows. Unfortunately, direct selling is not for everyone. It can be very hard to make a name for [...]
Considering Rent To Own? Read This First
Purchasing furniture and electronics through a rent-to-own contract is typically more expensive than buying the same items from a traditional retail store. However, some people choose rent to own plans because they believe that it will help them boost their credit score. Unfortunately, this is often not the case. The industry was designed to help [...]
Colleges Attempting To Entice New Students With Guarantees
A growing number of colleges and universities are attempting to entice new students to enroll with guarantees that they will be able to finish their pursuit of a degree within four years. If the student fails to achieve this goal, the tuition for the additional years needed to earn their degree will be free. Since [...]
Things To Be Aware Of When Shopping Online
Shopping online is becoming more and more popular each year, making these transactions attractive targets for thieves and unscrupulous retailers. While the vast majority of these transactions are completed without any issues, there are some that can create great difficulty for the shoppers involved. Here are some things that you should be aware of when [...]
How Is My Credit Score Created?
How credit scores are created is a mystery to most people. While many know that a credit score can affect their ability to get a loan, credit card, car, or job, fewer know what actually goes into calculating a credit score. A credit score calculation is designed to help lenders better predict risk by using [...]
Payday Loan Lenders Finding Some Surprising Allies
Although payday loans have been banned in 15 states, they are finding unexpected allies in some surprising places. Behind the scenes, major banks have become allies of internet-based payday lenders. These allies include giants like JPMorgan Chase, Bank of America and Wells Fargo. Payday loan lenders offer short-term loans with very high interest rates, often [...]
More Consumers Reporting Issues With Credit Bureau Reporting
According to a recent government report, errors on credit reports affect millions of us. Some errors are serious enough to cause a decrease in your credit score, resulting in you having to pay more for loans and insurance. Issues with the information on a credit report are problematic because the information is used by lenders [...]
Use Your Smartphone To Save Money Shopping
It’s getting harder for people to save money while shopping. The cost of every item we buy seems to grow day by day. Those items affect our budgets and they leave us looking for solutions. One solution we can use is smartphones. Smartphones give us a way to manage daily tasks and they have become [...]
When You Should Use Credit Cards
We hear all the time about crippling credit card debt and how much money people are throwing away in credit card interest. But, can using a credit card ever be a good financial decision? The answer is yes! Rewards—many credit cards offer rewards. These may come in the form of cash back, airline miles or [...]
Credit Card Payment Surcharges Prohibited Under Senate Bill 354
With the passage of Senate Bill 354, businesses will be prohibited from imposing an additional fee on customers that use a credit card to pay for their purchases. When customers are charged an additional surcharge for using their credit card, there is often little warning ahead of time. The customer is charged once they pull [...]
Car Leasing: Things You Need To Know
Auto manufacturers offer leasing deals to entice you to buy new cars and to get you back sooner. However, dealing with an auto lease may not be as straightforward as you may think. Knowing what to look for with auto leasing will save you money. Attractive Offers Automotive leases give you the ability to drive [...]
Saving Money: Get the Most Out of Your Home
Having your own home is a huge benefit in today’s unstable financial times, but few people really seem to take advantage of the ways they could use their home to save money. Whether you’re looking for a second income of you just want to get yourself out of a sticky financial situation, these quick tricks [...]
Pros and Cons of the Top Saving Options Available on the Market
Although it may seem a completely alien concept to those struggling to pull together the change to keep a roof over their head at the moment, there are some people out there who have enough spare cash to require serious consideration of which is the best saving account options available to them. For anyone who finds themselves in [...]
The Consumer Financial Protection Bureau Wants To Help You With Credit Reporting Errors
The Consumer Financial Protection Bureau now encourages consumers dealing with identity theft protection services and credit bureaus to contact them when problems occur. The agency already handles concerns from consumers related to bank accounts, consumer loans, mortgages, and private student loans. The agency was formed in 2012 after the implementation of the Dodd-Frank Wall Street [...]
Design Hostels and Hotels in NYC
Staying in style in New York City can be very expensive. For the style-conscious traveller who craves beautiful surroundings, but at low cost, fortunately there are several high design hostels in NYC. These hostels offer private rooms and chic design on a budget. Here are some of the best provided to us by Hostelbookers.com. Portobello [...]
What do we really know about online scams?
Marcus Evans have been hard at work collecting some interesting data about online scams which they have put into a superb infographic. Here is what they found out…… Find out more information about this Marcus Evans Scam Infographic.
Visiting Casinos in Africa
When considering an African holiday, South Africa is often chosen. The country all the way at the southern top of the African continent provides travelers with an assortment of casinos located in its metropolitan areas. Amongst these is Montecasino, in the heart of downtown Johannesburg. The expansive complex has been segmented into one non-smoking casinos [...]
Car Insurance Doesn’t Cover Everything
You purchase car insurance to protect your vehicle when accidents occur, but full coverage insurance does not always protect from financial expense. Insurance policies have exclusions that many people are unaware of that leave them unprotected in certain situations. “Buying an auto policy is not the same as buying a 2-pound bag of sugar,” says [...]
Techniques That Will Save You Money On Your Next Renovation Project
If you want to save money on your next renovation project, you’ll need a budget to control costs. Coming in under budget is a goal that will be rewarding to your bank account and fun to accomplish. To do this, you’ll need to find creative ways to get your materials and reduce labor costs as [...]
Domodinamica presented at the Salone del Mobile 2013 Hot Dog by Karim Rashid
Domodinamica presented at the Salone del Mobile 2013 Hot Dogs designed by Karim Rashid. The name comes from the round and a long portion of the different layers of the session, however, Hot dog in slang is also used referring to those who are not afraid to take risks and rather as a source of [...]
Best Chains of budget hotels in London, UK
A solution proven to reduce the cost of your stay in London at below £ 100 a night is to opt for a hotel chain. Best offer accommodation in standard rooms, clean and convenient, even though the price varies depending on when you book and the time when you decide to stay. Many people get [...]
Reducing Your Cable Bill Can Result In Big Savings
Cable television provides an assortment of entertainment for everyone in the family, no matter what their interests may be. Having cable television gives people access to hundreds of shows with the click of a button, but are there too many choices available? Most people are not watching every channel that is available to them and [...]
Mislabeled Foods Finding Their Way Onto Consumer’s Plates
Oceana, an international organization dedicated to ocean conservation, released a report with the headline “Widespread Seafood Fraud Found in New York City,” reigniting the debate about deceptive restaurant menus. Using genetic testing, the group found every one of 16 sushi bars investigated sold the researchers mislabeled fish and 39% of the seafood from 81 grocery [...]
I think this is a good list to go by... I am on a fixed income of only 150 a ...
VOIP is one of the greatest inventions since the light bulb! We recently signed up with http://www.voipinnovations.com for our phones ...