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A problem called ‘Credit Card Debt ‘ Credit card debt is running rampant across America and there is only so much you can do. Social Networking on Steroids If you are familiar with MySpace, YouTube, and FaceBook you should check out Boonex Dolphin. Multilevel Marketing (MLM) Plans Do you know what MLM plans are and what the legal implications are? Pre-Investment Questions You Should Ask Before You Open Your Wallet Fraud is always a possibility, even with secured, regulated investments. What Are Investment Risks? Does the pitch sound too good to be true? The investment sales pitch may be leading you down the road to debt. Day Trading Ads: Cutting Through the "Bull" Is day trading for you? No risk! Guaranteed profits! Financial freedom! Privacy Choices for Your Personal Financial Information With identify theft on the rise, what are companies doing to protect your information? Be Aware Of Automatic Debit Scams Fraudulent telemarketers have found yet another way to steal your money, this time from your checking account. Reverse Mortgages And Cashing In On Home Ownership Many consumers age 62 or older are "house-rich and cash-poor": their mortgages are paid off, but they are living on fixed or limited incomes. Home Equity Loans: The Three-Day Cancellation Rule What is the three-day cancellation rule apply when it comes to home equity loans? Should You Cancel Your Private Mortgage Insurance (PMI) If you put less than 20 percent down on a home mortgage, lenders often require you to have Private Mortgage Insurance (PMI). PMI protects the lender if you default on the loan. Timeshare Exchange Systems A timeshare exchange system allows a timeshare or vacation plan owner to trade units for a discrete time with another owner who has an equivalent unit at an affiliated resort within the system. Before You Buy A Timeshare In calculating the total cost of a timeshare or vacation plan, include mortgage payments and expenses, like travel costs, annual maintenance fees and taxes, closing costs, broker commissions, and finance charges. Time and Time Again: Buying and Selling Timeshares and Vacation Plans The thought of owning a vacation home may sound appealing, but the year-round responsibility and expense that come with it may not. Reverse Mortgages: Get the Facts Before Cashing in on Your Home's Equity Whether seeking money to finance a home improvement, pay off a current mortgage, supplement their retirement income, or pay for healthcare expenses, many older Americans are turning to “reverse” mortgages. Putting Your Home on the Loan Line Is Risky Business Are you in need of cash? Do you want to consolidate your debts? Activities That Will Help You Feel Good About Yourself Try these activities that will really make you feel good about yourself. Changing Negative Thoughts About Yourself to Positive Ones You may be giving yourself negative messages about yourself. Many people do. How To Build Self-esteem Are you feeling bad about yourself? Want to feel better? Alexa's Ranking System Has Changed Alexa, a web tracking service has changed the way it ranks web sites. Buying a Home Is a Big Deal Whether you’re shopping for appliances or automobiles, groceries or gadgets, travel services or tax preparers, the Internet has changed the way most people gather information about products and services. Your Mortgage Application May Trigger Competing Offers If you are in the market to buy a house you may start getting contacted by everyone and their uncle. A Negative Credit Report Can Squeeze a Job Search If you are looking for a job and have bad credit you may not get hired. Fake Credit Report Sites May Be Cashing in on Your Personal Information You may have seen web sites or received unsolicited email offering credit reports, sometimes for free. Getting A New ID Is a Bad Idea If you have filed for bankruptcy, you may be the target of a credit repair scheme called “file segregation.” Payday Loans Can Equal Very Costly Cash How many times have you said this - "I just need enough cash to tide me over until payday." Just When You Thought It Was Safe To Come Out Of The Water...Advance-Fee Loan "Sharks" A different breed of "loan shark" is preying on unwary consumers by taking their money for the promise of a loan, credit card or other extension of credit. 10 Financial Survival Tips For Students If you have recently graduated from high school and are now are your own, here are some financial survival tips. Financial Readiness: How Prepared Are You? Here are some tips to make sure that you are prepared financially. Deceptive Mortgage Ads: What They Say; What They Don't With the subprime mortgage mess, the scam artists are crawling out of the woodwork. Is Credit Insurance For You? Should you purchase credit insurance the next time you take out a loan? Are Credit Card Loss Protection Offers Worth It? If someone steals your credit card and starts charging away, how much are you liable for? Buying, Giving, and Using Gift Cards Gift cards may be the answer to your shopping problems. Are Advertisements Promising Debt Relief May Be Offering Bankruptcy? If debt has got you down you’re not alone. Consumer debt is at an all time high. What Is Utility Credit? Will you be left in the dark if you can't get utility credit? Things To Do Before and During Your Visit The Car Dealership If you are planning on buying a new or used vehicle, you should do the following before and during your visit to the dealer. Things To Consider When Buying A Car You have made the decision to buy a car, but how will you pay for it? Do You Need Credit or Insurance? Your credit score helps determine what you’ll pay for credit or insurance. What Are Prescreened Offers of Credit and Insurance? You may call it junk mail or it may be the answer to your financial woes. Some Credit Information You May Not Know Here is some credit information that you may not have heard of before. Getting Credit When You’re Over 62 Credit is an important money management tool for both young and older consumers. Yet the elderly, particularly older women may find it difficult to get credit. What Does Equal Credit Opportunity Mean? Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Keeping Close Tabs on Your Account You need to know that banks are not infallible; they can and do make mistakes. What Is Electronic Check Conversion? Have you joined the electronic check age? Questions and answers for you. What Are Your Legal Rights When It Comes To Online Banking Many people use online banks for their ease of use but what are your legal rights? What Is Electronic Banking? For many consumers, electronic banking means 24-hour access to cash through an automated teller machine (ATM) or Direct Deposit of paychecks into checking or savings accounts. But electronic banking now involves many different types of transactions. What Is Credit and Debit Card Blocking? What is credit or debit card blocking and how does it affect you? What Kind Of Credit Card Should You Get? There are many choices in credit card land. How do you make an educated decision? Always Protect Your Credit Cards You are the first line of defense for your credit cards. These are the things you can do to minimize your risk. Receiving Your First Credit Card You applied for and received your first credit card – now what? Beware Of Foreclosure Rescue Scams Foreclosures across America are definitely on the rise with the sub-prime mess the lenders got us into. Questions to Ask When Choosing a Debt Management Counselor Have you reached a point in your life where you need a Debt Management Program (DMP)? For People on Debt Management Plans (DMP): A Must-Do List Reputable credit counseling organizations employ counselors who are certified and trained in consumer credit, money and debt management, and budgeting. Be On The Alert to Mortgage Scams The scam artists are lurking right around the corner looking to take over your house. Contacting Your Mortgage Loan Servicer Before you have any conversation with your mortgage loan servicer, be prepared. How to Avoid Default and Foreclosure If you have fallen behind on your payments, consider discussing the following foreclosure prevention options with your loan servicer: Mortgage Payments Sending You Reeling? Here’s What to Do The possibility of losing your home because you can’t make the mortgage payments can be terrifying. Ways To Save Money (Part 7) With the price of oil and gas going higher and higher, credit card debt, and the sub-prime mess, we are all looking for ways to save a few dollars. Ways To Save Money (Part 6) With the price of oil and gas going through the roof, debt restructuring, and sub-prime confusion, we are all looking for ways to save a few dollars. Ways To Save Money (Part 3) With oil and gas prices rising, credit crunches, and inflation, we are all looking for ways to save a few dollars. Ways To Save Money (Part 2) With gas prices rising, credit crunches, and inflation, we are all looking for ways to save a few dollars. Before You File for Personal Bankruptcy Get Educated Information about credit counseling and debtor education Solving Your Credit Problems Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. Information On Credit Repair Scams With many people on the verge of bankruptcy, you need to be careful about credit repair scams. What Are Advance Fee Loan Scams? If you have poor or no credit, you may be a target of advance fee loan scam artists. Avoiding Credit And Debt Scams Scam artists like to take advantage of the weak. If you are currently in debt, you may be at your weakest point. Is Bankruptcy The Answer To Your Woes? Bankruptcy is usually the last resort choice when you get into debt. What You Need To Know About Auto And Home Loans Getting the best interest on a car or home loan is all up to you. Accurate Negative Information And Controlling Your Debt Checking your credit report for inaccurate information is essential. Your credit score depends on it. Insurance And Your Credit Report (Part II) This is a continuation of an article entitled Insurance and Your Credit Report. Insurance And Your Credit Report (Part I) Most of you know that lenders use credit reports for determining interest rates on your credit card or mortgage. Did you also know that insurance companies check your credit too? Can Telemarketing Fraud Happen To You? Too many consumers are losing money to fraudulent telemarketers. Questions and Answers on Home Foreclosure and Debt Cancellation The Mortgage Forgiveness Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. What Are Living Trust Scams If you are considering a living trust, be careful. There are scam artists everywhere. What Is Mortgage Fraud For Profit? If you are having a hard time paying your mortgage, you may be contacted by unscrupulous individuals offering to help. Beware. What Are Subprime Mortgage Loans? You certainly have heard or read news about the subprime mortgage loan mess that the United States is currently suffering from. But, what exactly is a subprime? Subprime Mortgage Loan Scams The current subprime mortgage mess has caused a marked increase in scams. Basic Financial Information Tips (Part II) Here are some additional financial tips, definitions, and information that will hopefully help you save money or get out of debt. Basic Financial Information Tips (Part I) Here are some financial tips, definitions, and information that will hopefully help you save money or get out of debt. If You Really Must Borrow Before you borrow, compare! Find the best deal available to you. How To Stay Out Of Debt Once you have completed that uphill struggle to get out of debt, you need to stay out of debt forever. How To Get Out Of Debt More Quickly It won't happen over night, but you can get out of debt and do it a little faster if you follow these steps. Debt Money and Happiness Money doesn’t create happiness, but the lack of money, or excessive debt, can destroy it Credit Card Debt And Security Risks An individual who is financially overextended is at risk of engaging in illegal acts to generate funds. Get On The Road to Financial Recovery (Part II) Learn how others can help you help yourself on the road back to financial recovery. Get On The Road to Financial Recovery (Part I) If you have gotten yourself into debt, don’t despair. You can help yourself get your life and your good credit reputation back. Thailand Smoking Ban Goes Into Effect A new law banning smoking in restaurants, bars and even open-air markets went into effect in February, 2008. Financial Fitness Checklist Take the financial fitness checklist and see where you stand with your finances. Collection Agencies And Your Rights What are the rules and regulations governing collection agencies? Dealing With Debt Credit card debt can be an extreme burden but you can dig yourself out of debt. Telephone Number Fraud Don’t confuse toll free 800 numbers with big charge 900 numbers. Credit Card Words to the Wise If you are considering getting a credit card, here are some words to the wise to keep you out of trouble. Credit Reporting And Your Bottom Line How do credit reports affect your bottom line and what can you do to improve your credit score? How To Prevent Credit Card Fraud Thieves are always looking for ways to access your credit card. Here are some tips to protect your credit card. Extending SIM Card Usage In Thailand Having a cell phone while on holiday in Thailand and using a local SIM card is a time and money saver. Improving Your Credit Report and Score Do you really know how important your credit report really is? A Review Of Bontonmairimnam Restaurant One of the things that I look forward to on my visits to Khon Kaen, Thailand is eating. Are You Monitoring Your Credit? If you are not monitoring your credit and your credit reports, you may be in for a big surprise. Khon Kaen Traditional Breakfast Kai krata is the traditional breakfast in many parts of northeast Thailand. Making Sure Your Credit Report Is Correct Incorrect information on your credit report can cost you dearly.
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