From the monthly archives:

November 2009

DIY Debt Settlement Strategies

November 13, 2009

The old advice about eliminating the middle man is applicable in debt settlement as well. While it’s not always a bad decision to hire a third party to negotiate with your creditors for you, it’s not always a good idea, either. Here are some of the advantages to doing your debt settlement yourself, as well [...]

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Debt Settlement Loan ? An Explanation

November 12, 2009

A debt settlement loan, often based on your home equity, consolidates your loans under a new creditor. For example, say you owe $20,000 in debt, spread across four credit cards with four different interest rates. The new creditor will pay all four of your credit cards, and you now owe the new creditor the $20,000 [...]

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Personal Legal Forms & Agreements Kit

November 12, 2009

Where to buy: www.socrates.com The Personal Legal Forms & Agreements kit contains more than 100 important legal forms on one CD to allow you to protect yourself and your family against legal action. The forms include: * Loans and borrowing * Basic agreements * Employment * Receipts * Warranties * Demands and notices * Contracts [...]

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How to Build a Good Credit History While at College

November 11, 2009

Many college students yearn to be considered as adults, despite the fact they’re barely out of high school. They often think having a credit card will give them the status they seek. Unfortunately, college students sometimes make bad financial decisions. Here’s how to build a good credit history while in college rather than ruining your [...]

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Why You Should Never Use Your Credit Card for Mortgage or Loan Payments

November 10, 2009

No one will deny the fact there have been some shaky times economically in the recent past. Many people are using their credit cards for everything ? fuel for their vehicles, clothing, going out to eat, grocery shopping, and some are even paying their mortgage or loan payments with their credit cards. Before you’re tempted [...]

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How to Save Money Buying Gym Memberships

November 9, 2009

Millions of people across the country purchase and use gym memberships annually. Some memberships can be expensive, but you don’t have to pay top dollar for them. Here are some ideas of how to save money buying gym memberships. Gym memberships come in all shapes and sizes. Some gyms offer a membership for every budget. [...]

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Multiple Streams of Income

November 9, 2009

Where to buy: www.nightingale.com There was a time in the 1950s when , for most families, one income was enough to live comfortably. Life changed in the 1970s and 1980s, when the cost of living rose and two incomes were needed to get ahead. Nowadays, in these uncertain economic times, even two incomes might not [...]

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Buying Cheap Could Cost More

November 8, 2009

When you’re setting out on your own and moving out of your family’s home, you may be trying to save as much money as possible. It’s not uncommon to buy cheap furniture, for example. But can buying cheap cost more in the long run? There’s a huge difference between buying things that are less expensive [...]

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How Owning Your Own Business Can Save You Taxes

November 7, 2009

Each year millions of people start their own home business. Unfortunately, many don’t take advantage of the tax benefits of being a home business owner. Here’s how owning your own business can save you taxes. Home business and small business owners often don’t realize the tax saving available to them. If you can take a [...]

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Are Black Friday Door Busters Value for Money?

November 6, 2009

The day after Thanksgiving sales will soon be upon us. Many people are already making a list of the items they’d like to snag at these sales. And you may be wondering if the Black Friday door busters are value for money. You can save a good amount of money by shopping at Black Friday [...]

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