Archive for the ‘Money & Finance’ Category

Women and Retirement Savings

Too often employees, especially women, quit work, transfer to another job, or interrupt their work lives just short of the time required to become vested. Planning and saving for retirement may seem like goals that are far in the future. Yet saving, especially for retirement, should start early and continue throughout ...

Costly Coupon Scams

Fraudulent promoters are making money marketing and misrepresenting coupon-based business opportunities to unwary consumers and even savvy organizations. Cents-off coupons are providing big bucks for scam artists who offer business opportunity and work-at-home schemes featuring coupon certificate booklets and coupon clipping services. Using the Internet to market these so-called opportunities, fraudulent ...

Tips to Avoid Being Scammed at Free Lunch Seminars

After the Lunch Seminar , many seniors are seduced into allowing a sales person to come to their home  where the "hard sell" can take place. By: Natasha Morgan People running Free Lunch Seminars target seniors, believing that they are an easy target for their sales pitch. They know how to raise ...

The Myth of Social Security as Your Primary Retirement Income

To keep it solvent, the Social Security Administration has already pushed back the age at which younger persons will be allowed to collect full benefits. By: Douglas R. Andrew When I ask people if they have any guaranteed source of retirement, they almost always answer, "Yes, Social Security." But is it smart to ...

The Human ATM

What to do when missed curfews, texting and "Mom can I have the keys?" make you miserable. First off, realize that teenagers are expensive to maintain. Think of them as yachts with messy rooms. By: Joanne Kimes and R.J. Colleary with Rebecca Rutledge, PhD This sound familiar? You're whipping money out ...

Paying Too Much for Car Repairs? Here’s Help

A team of repair experts that boast a vast knowledge of vehicle parts and labor time, provides you with a realistic estimate of repair costs. By: Natasha Morgan I've always put cars and computers in the same category. You need them and take them for granted but when they don't work, it ...

How to Recession Proof Your Family and Develop Kids Strengths

Too many CDs taking up space and not enough time transfer them to an iPod? If your child can work an iPod, he can offer this service to others. By: Jenifer Fox Remember the movie Karate Kid? Wax on, wax off? The zen master prepares the boy for Karate championship by having ...

Buy or Lease a Car?

Thinking of getting a new car? With the down-turn in the economy, deals are available in almost every vehicle category. This information will help you compare lease offers and negotiate a lease that best fits your needs, budget, and driving patterns.   Ownership: LEASING: You do not own the vehicle. You ...

Pets, Romance and Secret Shoppers

They’re each among the top ruses used by Internet scam artists in 2007, according to a comprehensive report on online crime issued by the Internet Crime Complaint Center.   Here’s a rundown on how these scams generally work, along with other common frauds described in the report: Pet Scams - You see an ...

Personal Bankruptcy – Chapter 7 or 13?

Congress has made sweeping changes to the bankruptcy laws to give consumers more incentive to seek bankruptcy relief under Chapter 13 rather than Chapter 7. Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far reaching. People who follow the bankruptcy rules ...

Debt Negotiation Programs

You should be cautious of claims from so-called credit repair clinics. Many companies appeal to consumers with poor credit histories, promising to clean up credit reports for a fee.   Debt negotiation differs greatly from credit counseling and Debt Manangement Programs. It can be very risky, and have a long term negative ...

Making Certain Moves in an Uncertain Marketplace

There are a few things that we, as women can keep in mind to be sure that we are equipped and protected in spite of these uncertain times.   By: Marshawn Evans With the state of the economy and the bailout plan, everyone is concerned about the stability of jobs and 401Ks. As ...

Credit Counseling and Debt Management Plans

Be wary of credit counseling organizations that charge high up-front or monthly fees for enrolling in credit counseling or pressure you to make “voluntary contributions”.   Credit Counseling If you’re not disciplined enough to create a workable budget and stick to it, can’t work out a repayment plan with your creditors, or can’t ...

Knee Deep in Debt

  Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You’re not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or ...

Looking for Bargains? Try the US Government

  Did you know that each year the US federal government sells billions of dollars of surplus, seized, forfeited and exchange/sale assets? By: Natasha Morgan In September 30, 2005, GovSales.gov was launched to make it easier for citizens and businesses to locate government assets for sale and to effectively improve the promotion of government ...

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