Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Friday, May 2, 2008

Beware of Foreclosure Fraud

All across the United States, more than 1 million homes have been put in foreclosure so far this year. With more foreclosures occurring every day, "foreclosure rescue" scams are also on the rise. From California to New York, criminals have been pretending to sooth the fears of borrowers facing foreclosure with promises of mortgage help, only to fleece them of their homes and equity. Basically, the wave of the predatory lending has broken into a new era of foreclosure fraud.
That is the lead in to one of my most recent articles on www.iQualifyNow.com. Obviously, it is about foreclosure fraud. I really liked writing this article because it was interesting to research, but it makes me mad that there are so many people in the world who are willing to take advantage of others. These are people trying to save their homes!

Anyways, this article provides tips to help you weed out most of the criminals in your search for help to fight foreclosure. There really are people out there who can help you, you simply have to find them.

Thursday, April 24, 2008

Never Too Late to Teach Your Kids About Money

Teaching children about money is never an easy task. Perhaps you don't feel confident about your own money-management skills. However, you probably know a little more about directing cash than you think. From the time that children begin comprehending money (which is around the same time they learn to count) until they move out of your home permanently, your financial actions will play a critical role in shaping their attitude toward money. Teaching and encouraging children to become regular savers, thrifty spenders, and savvy investors will help them lead a financially fit life in the future.
This is the lead in to my most recent article published on iQualifyNow.com. I think the title is pretty obvious! It has some tips about teaching kids about cash. I wish I would have been made to save when I was younger. Maybe I would have some savings of which to speak!

I'm a little bummed that my iQualifyNow articles have been the only items in my blog lately. I have been very busy and super productive, however! I picked up two new clients this week. WOOHOO! New projects! Of course, since I want this blog to also be a record of my on-line published articles, I will post links when appropriate.

I am stoked that I've been contributing so regular to Sense & Serendipity! I've been doing infinitely better since the sputtering start of this blog in March of 2007. But then again, I was working 60 hours a week last year. Now all I do is write! Makes me so happy. I really, truly love what I do and I am excited to see where my next projects will lead me!

Sunday, April 13, 2008

Money Etiquette Matters

A lot of attention these days is spent on all manner of financial topics, from budgeting and credit reports to investments and property taxes. Knowledge and expertise in these areas can be easily measured by the numbers. Not all subjects revolving around cash are so cut and dry, however, especially when it comes to money and friends. In fact, talking about some money matters even in close company are considered to be taboo.

Thats the lead-in to my most recent financial article for iQualifyNow.com. The article discusses a few guidelines for people to follow during those tough times which require good financial etiquette, like how to split an uneven check or what to do about an unpaid loan. This was a fun and interesting article to write because in my experience, not many are willing to talk about what is proper or fair in these types of situations.

Money Etiquette Matters

Friday, April 4, 2008

Retirement: Tips for Truly Golden Years

Retirement is one of the greatest stages of life, but it is also very expensive. Experts estimate that you'll need about 70 percent of what you make right now to maintain your standard of living after retirement. Those who earn less may need 90 percent or more. With that in mind, assume responsibility: No one else is going to plan your retirement, so it is up to you to make plans for your future.

This is the lead-in to this weeks iQualifyNow.com article. You can read the rest of it here!

Friday, March 28, 2008

Friday IQN Post

Every Friday, I will have at least one thing to post. That is the day of the week my iQualifyNow.com article is published! This one was supposed to be published last week, but they held it over.

This week's article is about vacation planning! In this unsteady economy, some people may be cutting their vacations short or not taking them at all. This article is about planning financially for your vacation. There is an emphasis on budgeting, planning, and most of all, ensuring that you don't put your trip on credit. You don't want to be worrying about money while you're supposed to be having the time of your life!

Vacations Require Financial Planning: Do Your Homework!

Saturday, March 22, 2008

Recent Financial Articles

I still write for iQualifyNow.com too, which has taken up some time and brainpower. An article that exposes 10 every day fees that you can avoid or reduce was enlightening. There is a more recent article than this one for rcollege bound students researching what school to go to, but it hasn't been published on-line yet. As soon as it is, I will post a link to that one too. Its about financially planning for your fiscally responsible vacation!

Friday, February 15, 2008

5 Questions to Ask Before Taking Out a Payday Loan

A payday loan is a small, short-term loan, usually between $100 and $500, extended to a borrower until his or her next payday. It can be called a cash advance loan, a check advance loan, or even a deferred-deposit check loan, but regardless of what they’re called, they generally are all the same. Payday loans may be helpful when you are having temporary cash flow problems or are facing a financial emergency. Before considering such a loan, it’s important to ask yourself a few questions first:

1. Are there any other options?

In many cases, you can find an alternative to getting a payday loan. Before making a decision, brainstorm for other possible solutions, such as using a credit card or selling an item or two from your home. You may just find a better way to accomplish your goal.

2. Are you prepared for the fees and interest that you will be charged?

The word “interest” is generally not used in payday lending agreements, rather a fee is charged for the service. Fees are typically between $15 and $25 per every $100 borrowed. That adds up to an annual percentage rate equivalent of approximately 391% to 650% interest! For that much, make sure that your purchase is going to be worth it.

3. Is the amount of money you are borrowing reasonable?

Because of the high cost, it’s important that you are sure you will be able to pay back the loan quickly. If not, the “roll over” charges for extending the loan will add up fast and could easily even double the amount of your loan. Some people who needed immediate cash have ended up taking payday loans from other lenders to pay off previous lenders. You can make sure that this doesn’t happen to you by keeping your loan as small as possible.

4. Is the establishment you’re taking your loan from a reputable company?

Your security is important. As with any loan, make sure you do some research before signing on the dotted line. Start with their certification: all payday loan companies must have a license from the state they are based in and some states don’t even allow payday loans. Secondly, make sure that the company has been around for at least 2 years or more. In that time, they will have built up a reputation as a reliable service. Thirdly, check with the better business bureau to see if there are any complaints against the lender. Don’t even consider one that has had a history of problems.

5. Do you have peace of mind about getting the loan?

Taking out a payday loan can easily turn a temporary financial difficulty into a chronic problem. If you have the slightest doubts about the answers to any of these questions, stop: don't do it. A payday loan may not be the right choice for your situation and could make things worse.

This article can also be found at iQualifyNow.com.

Friday, February 8, 2008

20 Inexpensive Weekend Activities

The festivities of the holiday season have passed, but many consumers are just now feeling the crunch as they receive their credit card bills and statements. Post-holiday buyer's remorse can be a real drag, as entertainment and recreational activities tend to be one of the first expenses to be cut. It's not necessary, however, as there are many ways to have fun in every city and town when finances are tight. The following is a list of 20 free or inexpensive activities for those who may need to reign in their spending.

1. Rent movies or subscribe to an on-line DVD rental service instead of seeing movies at the theater. You can choose to eat whatever snacks you like, you can wear your slippers, and you know what the mystery stain is on the floor.

2. Cook a special dinner at home. Cooking a meal at home instead of buying one at a restaurant tends to be healthier and cheaper. Try out a new recipe or whip up an old favorite.

3. Go for a long walk. The exercise is good for you and if you explore your local community on foot, you are much more likely to meet your neighbors. You just might find a new friend!

4. Discover your local parks system. The amenities these green spaces have can include pavilions, playgrounds, hiking and biking trails, fishing piers, swimming beaches, and more.

5. Go out for afternoon coffee instead of evening drinks. You're far less likely to over-indulge in caffeinated drinks than alcoholic ones.

6. If you really want to have a drink with your friends, have a cocktail party at home instead of going out to the club. Even at the cheapest bar, a single round of drinks can often cost as much as a bottle of liquor or a good bottle of wine.

7. Volunteering is the ultimate inexpensive weekend activity. Time invested in making a difference in your community is always well spent.

8. Have a yard sale. Clothing, furniture, household items, whatever. It won't make you rich, but it can be a lot of fun!

9. If a yard sale is too much work, bring your extra stuff to the Salvation Army or Goodwill. Not only is it a good deed, your charitable donation could mean a tax deduction for the fair market value of the item.

10. Read a book. Plenty of reading material is available for free at your local library.

11. Rediscover the lost art of picnicking. Pack some sandwiches, fruit, crackers, and beverages into a cooler and head out to the beach or a park. Is it too cold to be outside? Spread a blanket out on the kitchen floor and reminisce about warmer days.

12. Have a game night. Play board games, checkers, chess, card games, whatever types of games that you like.

13. Go to a local zoo or museum. Visiting these types of places is both educational and fun.

14. Recapture your youth through miniature golf or bowling. These highly underrated activities are incredibly inexpensive.

15. Check local community calendars for free or cheap concerts, trade shows, or other enjoyable activities.

16. Support your local high school, college, or amateur sports teams by attending a game. There is usually something for every fan, including softball, baseball, basketball, volleyball, hockey, wrestling, and more.

17. Pick up an inexpensive sport for fun. Many local parks offer volleyball and basketball courts, soccer fields, disc-golf courses, and other facilities. All you need to supply are the teammates and the ball, throwing discs, or horseshoes.

18. Play video games. Work on reaching that next level on your own or play party games with a group of friends. Conduct a contest to find out who is the best at each video game.

19. Learn more about the history of the area you live in by visiting local historical sites or landmarks. Gain an appreciation of the past events that formed your current community.

20. Study new skills or pick up a new hobby. Learn how to change a flat, jump a battery, or change your oil. Teach yourself to crochet, knit, or needlepoint. Take up painting, writing, or photography.


This was the first article that I wrote for iQualifyNow.com. The original article can be found here.