Articles by Donaldo Lpoez

Description: I have been in the finance industry for more than 30 years and am a Certified Financial Planner. In my role as Financial Planner I have helped many achieve the lifestyle of their choice. Arts and crafts, cooking and knitting are among my hobbies.

Consumers seek short term loans for medical expenses

Consumers are seeking short term loans and dipping into savings to handle the growing cost of health care, despite new health care changes...
Despite new health care changes, consumers are still using savings and short term loans to fund expenses.

Americans losing confidence as debt relief seems a long way off

Americans are losing confidence in the stimulus as they see debt relief still a long way off. Consumer confidence is at 52% , down 7%...
A woman with red hair in a white suit jacket. Does she need debt relief?

Banks Helping Consumers Manage Money Now More than Ever

Consumers are calling on banks to help them keep track of money now more than ever, as online banking increases.

How Can Your Credit Score Be Saved With Something As Simple As A Payday Loan?

Millions of people every year fall short on various bills and lose credit points. Payday loans are a no credit check option that can ease the pain.
Millions of people every year fall short on various bills and lose credit points. Payday loans are a no credit check option that can ease the pain.

America Saves Week Encourages Consumers to Save Money Now

The new "America Saves Week" stresses consumers' need to save money now.

3 Easy Ways to Makeover Your Apartment on a Budget

Just because you're a renter doesn't mean you have to content yourself with a cookie-cutter unit. Let's look at some easy, cheap ways to makeover your space.

Budgeting: Creating and Using Metrics

Effective budgeting and money management must be measurable. Analyzing your progress is essential in order to determine whether you are meeting your goals...

Facts About Installment Loans Everyone Should Know Before Applying Online

Are installment loans online safe and secure? Is applying a big hassle with tons of hoops to jump through? We have the facts you want to know.
Are installment loans online safe and secure? Is applying a big hassle with tons of hoops to jump through? We have the facts you want to know.

How Your Home Loses Heat and How to Stop It

Do you know how most heat escapes from your home? With winter season, it is time to start sealing up the heat leaks around your home. READ MORE >>>>

A New Breed of Entrepreneur

A new breed of entrepreneur is being created by the recession. These aren’t the dreamers; they’re the discouraged unemployed in need of work.

Handling a recruiter can be the first step to payday cash

For consumers looking for payday cash, dealing with job recruiters can be the first step.

How To Get A Cash Advance Without Providing Collateral or Submitting To A Credit Check

Credit checks can hurt your credit score and providing collateral for a loan is an unneccessary risk which can be avoided.
Credit checks can hurt your credit score and providing collateral for a loan is an unneccessary risk which can be avoided.

Retirees May Need Personal Loans in Addition to 401(k)s

401k accounts are meant to provide support for retired, but when 401(k) funds are insufficient, retirees may need personal loans or help from family...

Save Extra Cash with Kitchen Renovation-Upgrading Your Cabinets

Kitchens sell homes, and great cabinets add a lot of value to this room. What if you're low on funds? It's easy to redo your cabinets and end up with extra cash.

Research Shows Decline in Borrowing Money

For the tenth consecutive month borrowing money is down in America.

How Personal Loans Online Can Prevent Your FICO Credit Score From Going Down

Traditional loans require a credit check which puts a hard inquiry on your credit report which in many cases lowers your overall credit rating.
Traditional loans require a credit check which puts a hard inquiry on your credit report which in many cases lowers your overall credit rating.

How to Cope with Holiday Debt

Now that the holidays are over, it is time for Americans to address their debt and pay it off.
Photo from Picasa

World Stock Markets may hate to see the Year End

Most world stock exchanges enjoyed a bumper year despite the global economic recession.
Photo from Picasa

Parents Rely on Personal Loans As Adult Kids Return Home

The recession has brought about many necessary changes in the lives of Americans. Parents are looking to personal loans as adult children return to the nest...

How To Use Short Term Loans To Get Through a Budget Crisis Wisely

Everyone finds themsevles in a budget crisis from time to time and short term loans are only the answer in some circumstances when used wisely.
Everyone finds themsevles in a budget crisis from time to time and short term loans are only the answer in some circumstances when used wisely.

Graduates are using Installment Loans to Fund Mishaps

Recent graduates use installment loans to pay emergency bills as they try to find healthy budgets to follow.

Cash Advance Loans and Christmas | Beware of Specials

Sure, using a cash advance loan can fund Christmas, but don’t be fooled by every advertised special you see...
Dont go crazy over every holiday sale sign. Image from Flickr.