Real Estate Law Help – What to Do When You’re Facing Eviction

Published on Feb 25 2013 // Finance 101, Legal, Real Estate
Real Estate Law Help – What to Do When You’re Facing Eviction
A renter can face eviction for a variety of reasons, from not following the lease agreement, to causing damage to the apartment, to, most commonly, not paying rent.  After all, the landlord prefers conscientious tenants who pay on time and cause the least amount of disturbance. If you’re in the...

How to Figure Out Your Mortgage Payments

How to Figure Out Your Mortgage Payments
If you’re considering buying a house, you may just think you take out a loan from the bank and pay what they tell you to pay monthly. Unfortunately, it’s a bit more complicated than that, and understanding what is included in your monthly payment as well as how much you’ll have to pay...

Filing for Bankruptcy in Retirement – What You Should Know

Published on Oct 08 2012 // Debt, Finance 101, Finance Life Stages, Retirement
Filing for Bankruptcy in Retirement – What You Should Know
When you picture who typically files for bankruptcy, you may envision people in their 20′s who spent recklessly or people in middle age who suffered job loss or high medical bills that made their debt soar out of control.  Likely the last image in your mind is senior citizens, but surprisingly,...

Retirement Planning – What Being “Vested” Means

Published on Aug 27 2012 // Finance 101, Retirement
Retirement Planning – What Being “Vested” Means
One of the nice perks many employers offer is a match to your own retirement contributions.  An employer match can be a powerful tool to help you grow your retirement savings more quickly.  However, to encourage employee longevity, many employers do not let the employee access the money the employer...

Filing for Bankruptcy – How Retirement Accounts Are Affected

Published on Aug 13 2012 // Finance 101, Personal Finance, Retirement
Filing for Bankruptcy – How Retirement Accounts Are Affected
Most people don’t want to file for bankruptcy and put off doing so for as long as possible.  Some are ashamed and don’t want a bankruptcy on their record for seven or more years.  Others are worried about losing everything including their cars, home, and retirement accounts. If you do have to file...

So You’re Debt-Free, Now What?

So You’re Debt-Free, Now What?
It’s not a common situation, but it’s one that I know must apply to some of you out there. Debt is the great equalizer, and the overwhelming majority of Americans are saddled with more than their fair share. But there are some who manage to tame the monster of indebtedness. Those people are left...

The Biggest Dilemmas to Overcome When Making a Budget

Published on Jul 30 2012 // Finance 101, Personal Finance
The Biggest Dilemmas to Overcome When Making a Budget
Mention budget to most people, and they cringe or explain how much they h-a-t-e! budgeting.  Those people who realize having a budget is important may take the time to create a budget, but then they don’t follow it and continue to spend freely.  At the end of the month, they still aren’t sure where...

How to Make a Financial Plan and Stick to It

Published on Jul 21 2012 // Finance 101, Finance Life Stages, Supporter
How to Make a Financial Plan and Stick to It
Does your money seem to just slip right through your fingers? If so, you are not alone.  Between the economy and the high cost of goods as well as our consumer driven American culture, getting ahead financially can seem difficult. However, the best way to grow your wealth is to make a financial plan...

Budgeting in Today’s Economy

Published on Jul 06 2012 // Finance 101, How To Guide, Personal Finance
Budgeting in Today’s Economy
While the U.S. economy is slowly improving, there have been concerns that we may see another recession fueled by the economic instability in Europe.  Now is not the time to relax budgeting skills you may have implemented during the most recent recession.  Instead, now is the time to carefully evaluate...

Top 10 Frugal Tips – Part One

Published on Jun 18 2012 // Finance 101
Top 10 Frugal Tips – Part One
Two of the best ways to get ahead financially are to earn more and to spend less.  If you are looking to spend less and to embrace frugality, there are 10 tips that will help you keep more money in your pocket to grow your wealth.  These strategies are useful for anyone, but especially if you currently...

A Review of Pear Budget: A Real Simple Budgeting Program

Published on Jun 04 2012 // Finance 101, Personal Finance, Product Reviews
One of the best ways to control your money is to keep track of your spending.  There are many different software programs that will do this for you.  Today we are going to look at Pear Budget, an online budgeting program.  You can try it for free for 30 days; after that, it is $4.95 per month to use. How...

How to Create a Budget When You Have Variable Income

Published on May 28 2012 // Finance 101, Personal Finance
How to Create a Budget When You Have Variable Income
Creating a budget may be difficult, but sticking to it is often the challenging part, especially if you have variable income.  Whether you work on commission, are self-employed, are a freelancer or work in a field such as construction where you have some months where you make very little income, budgeting...

How to Allocate Funds for Emergencies

Published on May 21 2012 // Finance 101
How to Allocate Funds for Emergencies
Last year Money issued a startling statistic—in a random poll of 1,900 Americans, more than 50% of them said they would struggle to come up with $2,000 in the event of an emergency (CNNMoney).  Don’t let that be you.  If you don’t have any money yet set aside for your emergency fund, take these...

How to Transfer Money Between Banks

Published on May 08 2012 // Banking, Finance 101, Personal Finance
How to Transfer Money Between Banks
You may need to transfer money between bank accounts if you have money in two different banks.  There are several ways to do this beyond the obvious of driving to one bank, withdrawing the money and then depositing it at the other bank.  Which way works best for you depends on how quickly you need...

5 Great Ways to Stay Away from Your Savings Account

Published on May 07 2012 // Banking, Finance 101, How To Guide
5 Great Ways to Stay Away from Your Savings Account
If you’ve considered dipping into your savings in the past few years of economic hardship, or if you’ve actually had to do so, then by no means are you alone. Since the onset of this recession, many American families have had to make tough decisions regarding the use of savings/emergency funds that...

How to Avoid Check Bouncing Charges

Published on Apr 30 2012 // Banking, Credit Cards, Finance 101, Personal Finance
How to Avoid Check Bouncing Charges
If you write a check or pay a bill electronically from your checking account but do not have sufficient funds to cover that check, you will be charged a non-sufficient funds (NSF) fee which often ranges from $20 to $30, depending on your bank or credit union.  In addition, the person you gave the bounced...
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