Archive for May, 2010

  • Free Grocery Coupons – Use Them To Save Money>
    Free Grocery Coupons – Use Them To Save Money
    Grocery prices have increased since last couple of years, and they are bound to increase in coming years. A smart way to purchase groceries is finding free grocery coupons and using them regularly. It may sound crazy to those who haven’t heard of it yet. However, if you are using it, you know what exactly I am talking about. You can save a considerable amount on your groceries every month, if you know when and where to avail such coupons. However, before you start searching for free grocery coupons, and shop around with it, you will have to determine whether it really saves you money. Finding Grocery Coupons You can find almost everything on Google, and free grocery coupon isn’t an exception. Just feed-in these words, and you will get number of websites providing coupons or related information.  [...]
    at May 28th, 2010 at 03:05 am
  • Pay Bills Online to Get Rid of the Chaos>
    Pay Bills Online to Get Rid of the Chaos
    I simply hate paying bills. Along with giving away my money, thinking about writing numerous checks makes me feel sad. And it’s not only me. I don’t think paying bills is one of the most exciting things in life for any one of us. Few years ago, one of my friends asked me to pay bills online. Though it was a convenient option, I was scared about payment scams spread all over the web. However, later I found most creditors offer this service, through a secure website. I tried once, and it worked out well. That’s the solution I was looking for. I just wanted to get rid of my bills without involving in a messy process. It’s been few months now since I first paid my bill online. In the following months, I learned few benefits you enjoy when you pay bills online. One of the most useful advantages,  [...]
    at May 26th, 2010 at 02:05 am
  • Private Investors for Small Business – Basics>
    Private Investors for Small Business – Basics
    You have got a brilliant business idea but you don’t have funds to invest in it. This is the case with most of us. However, those who really believe in themselves and have the courage to turn it into reality, manage it efficiently. They approach banks, credit unions, and other financial bodies to finance their business. The major problem is we aren’t aware about all the finance sources available to us when it comes to funding small business. There are various ways to get monetary help. One such effective source is private investors for small business. Private investors are people who lend money to new startups on comparatively higher rate of interest. It is, however, difficult ascertain their lending criteria as every one of them would have their own set of conditions. But they are generally  [...]
    at May 21st, 2010 at 01:05 am
  • Different Types of Credit Cards in USA>
    Different Types of Credit Cards in USA
    As with anything, if you start with proper research, you save a considerable amount every month. There are numerous types of credit cards in USA. However, choosing the one that suits your needs would make the difference. Let’s have a look at few of them prevailing in the market today. Standard Cards This type of card can be extensively found in USA. If you own this credit card, you can make a purchase, and keep repaying for the item by making monthly minimum payments. If you repay the entire balance, or a part of it, you can use it for further purchase. Some of major providers of standard card in USA are MasterCard, Chase, American Express, and Discover. Charge Cards Unlike Standard Credit Cards, you have to repay the whole balance on the month preceding purchase, if you have a charge credit  [...]
    at May 19th, 2010 at 07:05 am
  • Loan Debt Consolidation>
    Loan Debt Consolidation
    Most of those with serious debt seek help from debt consolidation companies and avail a consolidation loan to eradicate grave consequences. It is, however, very likely that this loan to eradicate debt can turn into a debt itself. A debt consolidation loan can become loan debt consolidation as well. And if such situation arises, you probably have very limited sources to approach, within limited time. For people who are unaware about how debt consolidation, take a few seconds to know about. When you consolidate or combine all small loans into a bigger one, it’s debt consolidation. You don’t have to bother about due dates and repayment issues of every creditor individually. Pay just one bill in a month, and the proceedings would be taken care of by debt consolidation companies. So, how would  [...]
    at May 11th, 2010 at 04:05 am
  • Who Requires Financial Investment Planning?>
    Who Requires Financial Investment Planning?
    In my several years of consulting experience, I have learned many people have misconceptions about investments. Some believe investment is only for the rich. Some think they don’t need to invest, they have enough. Here is a list of people who need financial investment planning. If you don’t fit into any category, you may not really want it. An individual just out of college, regardless of the inheritance money he has, needs financial investment planning. He doesn’t know what his future would be like. And he has a long life to live which includes his marriage, family, retirement, and so on. If he wouldn’t start investing today, he wouldn’t have enough. A couple, expecting a child soon, would want to have a secured investment for the future of their children. Moreover, they would need  [...]
    at May 10th, 2010 at 11:05 pm
  • Personal Financial Planning Made Simple>
    Personal Financial Planning Made Simple
    One of the major reasons why people are not able to manage their finances is lack of personal financial planning. If you have huge debt to repay, it’s because of insufficient planning. If you have saved enough for your retirement, you have not planned well. If you don’t have a penny in your pocket, you haven’t ever thought about financial planning. Personal Financial planning is essential in one’s life, irrespective of the age he starts. So, the below mentioned planning process is for you, whether you are male or female, 20 or 50, single or married. Just get started right away. Get Yourself a Financial Journal Sounds foolish? Well, you have tried all your smart ways, why not this foolish one as well. And let me tell you, this is one of the most useful ways to have a plan. When you have  [...]
    at May 10th, 2010 at 03:05 pm
  • Credit Card Debt Settlement: Do You Need It?>
    Credit Card Debt Settlement: Do You Need It?
    I have tried talking to few of my friends about their debt to explore possible solutions. However, they are quite reluctant to talk about it every time I initiate the conversation. Even the clients who arrive in my office to seek professional advice, are quite unwilling to disclose credit card debt settlement related problems. If you are amongst such people, let me tell you, if you go to a credit card debt settlement company, you would have to disclose every possible detail. Until then, they wouldn’t be able to derive a proper plan for you. However, if you still don’t feel safe or comfortable talking to them, here are few things you can do to keep reduce your debts, without having to contact such debt settlement company. 1.    Introductory Rate is a Temporary Luxury No credit card company  [...]
    at May 10th, 2010 at 11:05 am
  • Credit Card Debt Relief Program by Obama, What Is It?>
    Credit Card Debt Relief Program by Obama, What Is It?
    We all have heard about the new credit card debt relief plan introduced by our beloved President Obama. However, not many people know what is it and how it would help common people. So, let us understand about it meticulously, and outline the major benefits. Although this plan cannot be said to be the most useful thing for debtors, it definitely provides some relief. One can erase personal debt up to 50% to 60% legally, without any chaos. Legally? Without chaos? Without affecting your credit score? How is it possible? Why would credit card companies do such a thing? It means a huge loss for them. I know it’s bit difficult for you to comprehend the situation. But let us try to make it simpler and precise. About a year ago, when Mr. Obama was selected to be the president of the United States  [...]
    at May 10th, 2010 at 07:05 am
  • Credit Card Debt Consolidation Services: What Happens When You Seek It?>
    Credit Card Debt Consolidation Services: What Happens When You Seek It?
    It drops considerably, right? Due to this conception most of us don’t approach credit card debt consolidation services, and continue to struggle with repayment of debts. There is a variety of options available to an individual to repay his debts. However, because we aren’t aware about them, we don’t use it. And what about the ones we are aware about? We don’t use them because we have some weird misconceptions. Most people believe seeking help from credit card debt consolidation services would ruin our credit scores. This may happen only if you aren’t aware how debt consolidation works, or how credit score is derived. If you utilize your credit balance up to the limit, your score would definitely fall. They, the credit bureau, assume you need more credit to make ends meet. A credit  [...]
    at May 10th, 2010 at 03:05 am