Money Management
It is very common for people to overspend, and before they realize what is happening they end up with a mountain of debt. While there are good and proper uses for loans of all varieties, even short term loans such as payday loans, borrowing to buy consumer items will leave you in financial stress due to the monthly payments gradually exceeding your income. We can help you avoid that debt trap, build savings, and create a bright financial future for yourself by paying yourself first and investing in your retirement.Wouldn’t you like to hang on to a little more of that money? Our money management articles will give you a few pointers on handling your own money better. You do not have to get a raise to get more out of your money. Taking control of your finances is an essential step toward lifetime happiness. We provide important information and advice that will aid you in setting financial goals, budgets, and in maximizing what you can get out of your money.
bad credit car buyers would love this

More bad credit auto loans show credit markets staring to relax

Subprime auto lending saw a resurgence in the third quarter, according to the credit reporting agency Experian Automotive. Bad credit car buyers were also getting approved for higher loan amounts. At the same time that auto credit markets were loosening, borrowers defaulting on auto loans also declined. Lending standards loosen According to Auto Loan Daily,
Open sign

SBA running out of low cost loans to businesses

The Small Business Administration has been charged with helping businesses weather the recession, and money is running out. The 7(a) lending program provides loans, personal and large, to small businesses around the country. The program, which was funded by the American Recovery and Reinvestment Act, is currently in a holding pattern, waiting for more money.
Kitten

How to finance your home improvement projects

According to Fox Business, Americans are likely to spend more than $121 billion on home improvement in 2010, so knowing how to finance home improvement is important. Here are seven financing options. How to finance home improvement: Seven possibilities Breaking a larger concept down into smaller parts makes it much less daunting; that includes how
A woman worried and stressing out on a phone.

Cash loans up to $1,000: Any credit type welcome

Have you been struggling with your credit? Do you need money fast? You know there isn’t a bank out there who will lend you money. You also know you need to fix that credit problem, so the last thing you want is another late payment on your credit report. Well, you’ve come to the right
IRS refund status

How to check IRS refund status

Checking IRS refund status is easy If it has been more than 72 hours since you electronically filed your taxes, it’s easy to check your IRS refund status. First, make sure you know the exact amount of your refund. Don’t round up or down! Also, have your social security number handy. You’ll also need to
An elderly man is receiving dialysis treatment.

Estate tax sends elderly racing for the grave

Provided Congress fails to pass legislation to keep it dead and buried, the estate tax will rise from the grave on New Year’s Day, 2011. According to the Associated Press, this has prompted many elderly estate holders and their heirs to consider desperate measures. U.S. Rep. Cynthia Lummis (R-Wy.) recently stated that a number of
ipad magazine content

Will Apple subscriptions give media companies a brighter future?

Apple has announced it will offer subscriptions to digital media and music content through the Apple App Store. Apple subscriptions are an extension of a service Apple launched recently for Rupert Murdoch’s “The Daily,” an iPad newspaper. Most publishers haven’t yet committed to Apple subscriptions because of the company’s restrictions and customary 30 percent cut.
Wedding Cans

Wedding Cans Update: Pete and Andrea’s saga continues

Wedding Cans goal is nigh Do you remember those Pete and Andrea characters I wrote about a couple of weeks ago? They started the Wedding Cans project to raise money for their wedding. Their goal was to recycle 400,000 aluminum cans to pay for their wedding. That gigantic mountain of cans — about five tons
Photo of the corporate logo on a Dollar General storefront.

Dollar General to open 625 new stores, create 6,000 jobs

New jobs during a recession are always good news, and the Goodlettsville, Tenn., company Dollar General Corp. has plans to expand. According to a company press release, Dollar General plans to open 625 new convenience stores across the company’s 35-state operating area, plus three new states: Connecticut, Nevada and New Hampshire. It is estimated that
Photo of a Ryanair plane

Ryanair faces mutiny after unexpected fee hits passengers

Ryanair is an Irish airline that ends up in international media relatively regularly. Once again, the airline is in the headlines. One flight got delayed by more than three hours late last week when more than 100 students simply refused to comply with staff directions. In Spain, Ryanair is facing judges that are ruling their
Close-up of a checkbook register that reflects multiple credit card payments, including one marked “payoff.”

Low CD rates prompt consumers to pay off credit cards

A certificate of deposit is traditionally a worthwhile, low-risk investment. However, CD rates have been so low lately that many consumers have moved their money into more productive financial ventures, reports Bankrate. Paying down debt – particularly credit card debt – has taken center stage. One-year CD rates scraping the bottom According to Bankrate, the
Construction

More new homes that no one wants to borrow money for

Despite dismal outlook, new homes are actually being built. Good news on the economic front, especially real estate, is a welcome change from the dismay that has become the norm. However, the number of people borrowing money for new homes is stagnant. Most new mortgage applications are for loan modification, not finance loans for a
HSBC Bank

Seven banks cannot meet capital requirements in Euro stress tests

After the Greek debt crisis began to wreak havoc in European financial markets, a series of stress tests were devised to see whether European banks could handle any further shocks. After the tests were administered, it was determined that seven major European banks could not handle further strains as they did not have sufficient reserves
Catalytic Converter

Precious metal and gasoline theft increasing nationwide

Incidents of theft of precious metals and gasoline have started to increase nationwide. Gasoline theft has been observed during previous periods of high gas prices, and people are stealing precious metals such as platinum and copper at an increasing pace. Precious metals will always have a market. Keep an eye on the catalytic converter One
A vintage 1960s photo of a woman wearing a crown.

Top 10 US college majors that lead to highest pay

The Bureau of Labor Statistics keeps track of the average starting salaries from various career paths. In order to maximize your earning potential, forget majors like English and consider the top 10 highest paying college majors in the U.S., advises Education-Portal.com. Salaries depicted here reflect annual pay for bachelor’s graduates without an advanced degree. Grease
Photo of the madness on wall street.

Volatile stock market driven by impulsive investor fears

The stock market forged ahead last week on news that the consumer confidence index rose. The markets went into reverse a short time later when the Fed released minutes from its latest meeting. The markets rose again on Wednesday, this time on data showing growth in American and Chinese manufacturing output.  This late burst of