How to Invest Your 401(k) Dollars
There is no such thing as a perfect portfolio
Despite the claims made by financial advisors and planners, in reality there is no real possibility of having the perfect portfolio that performs to your expectations. Most portfolio planning today uses some variation of the mean-variance optimization process invented by Harry Markowitz, [...]
Debt Consolidation Is Not for Everyone
Let’s keep it real
You are overwhelmed with debt. You have eight credit cards that are all maxed out. Making the minimum payments is causing much financial stress, and you are not making any headway on getting out of debt. What can you do? Get help, get debt counseling, find someone [...]
Michael Jackson & Shmuley Boteach: A Debt of Unanswered Questions
Remember the Last Three Decades of Jacko Weirdness?
Over the years, we witnessed the eccentricity of Michael Jackson. From his constant changing appearance and repeated debt relief missions to his legal issues, we ask ourselves the question: Why did he do it? What lead MJ to go that far? For instance, [...]
Is Your Portfolio Balanced for a Market Recovery?
Does your portfolio take advantage of current market conditions?
Since the stock market crash of September 2008, most investors with significant portfolios have repeatedly reshuffled and redistributed their holdings in an effort to minimize losses. The chaos that has followed has resulted in many portfolios being significantly imbalanced and weighted in [...]
Things You Should Know Before Applying for Payday Loans
Apply for Payday Loans HERE
Payday loans are quick short term loans that can be used for urgent situations such as paying off medical bills, car repair and more. The loan amount has to be returned on the day you receive your pay, and the interest rate is fixed by the [...]
Overdraft Fees Send Scores to Check Cashing, Payday Loans
Exorbitant Overdraft Fees Erase Funds of the Working Poor
In the 1960s and 1970s, many of America’s largest banks decided to go “where the money is” by pulling their branches out of the inner cities and focusing more on affluent areas. It may be sheer coincidence that infamous bank robber John [...]
Consumers Using Payday Loans and Tax Refunds to Pay Bills
Paying off bills with tax money
Consumers are using payday loans and their tax refunds to pay necessary bills. In the past, taxpayers saw their tax refunds as additional money to do something fun with. Whether it was a vacation, a new TV or a down payment on a vehicle, people [...]
Overdraft Fee Monster Eats Social Security Income, Too
B of A’s Overdraft Fees Victimize Long-Time Customer
Overdraft fees across the board have attracted the interest of Congress lately. Many have said that the way in which overdraft fees are assessed by banks and credit unions is predatory and dishonest. Charging the same high fee for each infraction – even [...]
Frustrated Over Credit Card Hikes?
Paid on Time? Too Bad!
If you have been relying on credit cards to get by each month, you may need to borrow money just to pay the minimum payment these days. Credit card companies are raising interest rates dramatically in an effort to stay ahead of the declining economy. But [...]
With Debt Relief in the Offing Investors Tighten Reins on Money
Madoff scandal gives rise to debt relief issues
In the wake of the Bernie Madoff scandal, debt relief has become a persistent theme. Madoff had a long running Ponzi scheme in which he bilked investors of over $13.2 billion.
Under the guise of a gifted money-manager, Madoff attracted high-profile clients like Steven [...]
Money-Saving Tip Your Bank Doesn’t Want You to Know
APPLY HERE for an Instant Cash Advance
Money for nothing
In these difficult economic times, the average American family is forced to live paycheck to paycheck — if they are lucky enough to have jobs at all. When the U.S. government bailed out Wall Street, the major banks got huge cash infusions. [...]
Black Friday Ads 2009: Wal-Mart, Target, Best Buy and more!
The Black Friday Fever
Black Friday has been the top trend for the past several weeks. Everyone is itching to find great deals offering for Black Friday 2009. Black Friday, which lands on the day after Thanksgiving Day, unofficially kicks off the holiday shopping season. And boy, things are looking hot, [...]
Cheap Thanksgiving Meals and Debt Relief
You Can Plan Well and Save Money This Thanksgiving
If you find yourself inhaling the last of the crouton dust after a fruitless search for the elusive meal, you are likely in need of debt relief. I’ve been there before, so I feel your fruitlessness. Now that Thanksgiving has flickered into [...]
Find Great Deals on Best Buy Black Friday Ads 2009
Best Buy’s Hot Black Friday Deals
Best Buy Black Friday ads can now be found online and it’s definitely causing hype. How would you like an Insignia Blu-ray Disc Player for less than a $100? What about a Dynex 19″ 720p LCD HDTV for less than a $150? Save your [...]
Anonymous Credit Cards: Safety for Consumers, Merchants and Banks
Convenience – But At What Cost?
Using credit cards can be a pleasure and a pain. Will anonymous credit cards make security one less thing to worry about? (Photo: flickr.com)
Credit cards are both a blessing and a curse for millions of people worldwide. Managed use of this form of consumer credit [...]
Target $3 Appliances | Black Friday Chaos to Ensue
Target Black Friday ad says $3 appliances
Black Friday. I understand why people head to the stores in droves when retailers advertise great in-store deals for Black Friday. What I don’t understand is why stores do this, especially in the case of Target’s $3 appliances, which are being publicized in the [...]
Major Benefits of the New Laws for Credit Cards
New laws
The Obama administration is working hard to reform laws for companies who issue credit cards. On May 22, the president signed off on the Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, act of 2009.
The bill is set to improve the way companies deal with consumers and act [...]
Get Cash Now with these Easy College Living Tips
“I Need Cash Now!”
(EDITOR’S DISCLAIMER: Many payday lending companies require that applicants be employed for a certain period of time before they are eligible to receive payday loans.)
Anyone who has ever screamed, “I need cash now!” while surviving the sometimes grueling experience of college life can attest that it’s a [...]
Study of Overdraft Fees and Protection Cries Out for Reform
When Traditional Banking Becomes Parasitic
If you’re able to see past the shady origins and history of the Center for Responsible Lending, you’ll see that occasionally they do good work that benefits society. While they’re certainly no friend of the payday loans industry, I find that their recent report on the [...]
Wal-Mart Black Friday Ads 2009: Wal-Mart Wireless and more!
Black Friday Ads 2009 – Ready to Shop!
I’ve said it before and I’ll say it again: Start your holiday savings now! It’s the perfect time to start your holiday shopping budget (if you have not yet already) and take advantage of hot deals offerings for Black Friday 2009. Tons of [...]
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