America: For Sale to the Highest Bidder

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How Excessive Government Debt Hurts the Common Man
By: Jerry Work | 14/04/2008 | Credit
In order for the U.S. government to fund wars, pay farmers not to raise crops, build bridges to nowhere, and all the other excellent things it does, it issues debt.

Credit Card Debt - 10 Ways to Take Control & Pay it Off Fast
By: Richard Greenwood | 19/02/2007 | Credit
Credit card debt is very easy to get into but can seem much harder to get out of. The good news is, it can be done. Follow these ten easy steps and start to take control today.

Simple Steps for Getting Out of Credit Card Debt
By: Peter Kenny | 27/06/2007 | Non-Fiction
A brief discussion of the steps consumers can take to get out of credit card debt.

How is a FICO Credit Score Determined?
By: Peter Kenny | 03/10/2007 | Non-Fiction
A brief discussion of the factors that make up a FICO credit score

When Declaring Bankruptcy is a Good Option
By: Jerry Work | 15/04/2008 | Credit
The process can have very negative effects on your ability to borrow money for quite a long time (up to ten years), but there are circumstances where bankruptcy might be the best option.

Saving on the Home Front
By: Alive Online | 02/04/2008 | Personal Finance
Saving money is becoming harder as petrol and grocery prices rise along with everything else. Some advice for serious savers is to have a chat with an elderly person who has come through all the probems of past decades and to ask them what they did to cut down. They'll probably mention home cooking as opposed to eating out and buying takeaways or those strange hybrids partially cooked packet foods in the supermarket.

Cash Back
By: Peter Kenny | 05/02/2006 | Finance
How good would it feel if every time you spent money you got some back? Well that's what most credit card companies are offering you at the moment, as the big credit card company's battle out the customers can only benefit

The First Steps to Managing Your Debt
By: Peter Kenny | 12/10/2007 | Non-Fiction
A brief discussion of the basic steps to take to manage debt.

Got a Question? Ask.

Is it smarter to have your acct. In a credit ...
By: gale andersen | 24-07-2008
Is it smarter to have your acct. In a credit union?

PMI : what does it really represent and what does it cover for homeowners?
By: Napadeb | 24-07-2008
David:  Why do mortgage companies continue to charge PMI when the equity accumulated in the home is higher than 20% of the balanced mortgage amount?  PMI really appears to be a fraudulent charge to homeowners.  We have high equity and have not borrowed against it but still cannot get the mortgage company (GMAC) to take off the monthly PMI charge.  If people's homes are going into foreclosure why doesn't the PMI insurance cover the loss, since the owner is forced to pay PMI seems reasonable that this PMI charge should cover that loss.  Otherwise what is the purpose of PMI at all?  Please answer all questions as we feel that PMI attached to mortgage loans is a shady and questionable charge.  Thank you.

Refi or not to refi
By: robert | 24-07-2008
mortgage 6%(290K) Appraised value 500K. 2nd 7.5%(28K) total combined 330,000. bills= credit cards 15K-two cars-17K-Misc 3K. should I refinance and combine so I can deduct the interest,  lower payments and start socking away for retirement or stick it out? Payments total (New mortgage)2800.PITI against 4200. currently. Thank you, RMJ

Should I file for bankruptcy?
By: djarac123 | 24-07-2008
I tried to refinance my house a few months back.  All was going well then when I house was appraised I was upside down.  They wanted me to come to the table with $8880.64.  Of course I didn't have that money.  I spoke with my mortgage company to help but they didn't do anything.  I never missed a payment at this point.  I have since moved out of my home and into an apartment.  The house will be foreclosed.  I have an 80/20 loan. I am struggling right now.  I am living paycheck to paycheck and can barely keep a float.  I pay my car loan, personal loan, car insurance and ect...  I am so stressed out.  I have two kids and I don't know how I am going to buy school clothes and so forth.  I am borrowing money to buy food.  Now I am scared that my Second Mortgage is going to come after me for the money I owe $28000 when my house goes into forclosure.  Do I need to file for bankruptcy to prevent that or what will happen?  Please help.  My credit score was 660 now its 518 and still going down.  What to do?

Who insures Federal Credit Unions, FDIC or ???
By: CB | 23-07-2008
Who insures Federal Credit Unions, FDIC or ???

Interest only Loan
By: logantazman | 23-07-2008
We have a interest only loan and the payments are due to increase in November of this year.  We are trying to refinance our loan from a conventional loan to an FHA, our mortgage lender is Country Wide whom advertises "no closing cost, no downpayment" but when we call CW they give us the run around.  What other mortgage company can provide us with so help?

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Learn About Credit Card Debt Negotiation - Learn the Secrets
By: Bryan Burbank | 25/07/2008
When negotiating with the credit card companies about your debt it is always important to understand that you are the one in control and do not be intimidated by the credit card company. They like it when you make your minimum monthly payment and do not want you to stop that so they will be willing to negotiate your debt so to make it easier to make those payments.

Repairing Damaged Credit Scores: How to Raise Your Score 120 Points
By: Thomas Boston | 25/07/2008
Repairing a credit score can seem like a difficult and daunting task to undertake. This article helps separate the truth from the myths and help guide a consumer to repairing their credit score fast.

Are Banks Raising Credit Card Rates to Shore Up Their Finances?
By: Reno Charlton | 24/07/2008
Most people are well aware that the UK's banks area really suffering as a result of the global credit crunch, and many have had to try and find alternative ways to increase funding as a result of increased difficulties in getting money on the wholesale money markets. Some have suggested that one of the ways in which banks have done this is through increasing some fees and charges on credit cards.

The Better Your Credit Score, the Less Money You Pay in Interest
By: John Collins | 24/07/2008
Credit scores are reviewed for so many different purposes, in some instances without our knowledge, it is a good idea to review both the credit score and the credit history periodically.

Get Student Credit Cards for Extra College Expenses
By: Devora Witts | 23/07/2008
There have been lately offers for students that feature specially designed credit card packaged for college students. These credit cards offer a combination of financing, flexibility, security and control so student can feel comfortable about managing their finances and at the same time obtaining the benefits that credit cards provide.

100% Equity Financing for Home Improvements
By: Devora Witts | 23/07/2008
It is possible to obtain financing up to 100% of your property’s market value with your mortgage balance and a home equity loan for home improvements combined. With this money you can start that long postponed home improvement project and turn your home into your dreamed home within a short period of time.

Credit Repair: How to Handle a Collector
By: Jim Kemish | 23/07/2008
If you are contacted by a collector you should know your rights. A nationally recognized consumer advocate and credit repair expert offers some useful advice about dealing with collectors, and coming out ahead.

Pick a Credit Card, Any Credit Card
By: Andy Adams | 23/07/2008
Getting a credit card in the midst of a credit crunch may seem possible but there are still many different cards with differnet offers so which one should you pick?

More from Jerry Work

Getting Your Document Translated - What to Look for When Seeking Professional Language Translation
By: Jerry Work | 09/07/2008 | Communication
Shopping for language translation services can be a daunting task, but it is easier if you follow these rules.

The Search Engine Optimization Content Cycle
By: Jerry Work | 14/06/2008 | SEO
Content creation and distribution can help you achieve several important goals related to your search engine optimization campaign.

Bamboo Flooring: Five Things You Should Do and Five Things You Should Not Do
By: Jerry Work | 14/06/2008 | Home Improvement
Here are some things you should and should not do with your bamboo flooring to help it maintain its beauty for many years.

Lessons from the Presidential Primaries
By: Jerry Work | 13/06/2008 | SEM
There are some important lessons to be learned from the presidential primaries that relate directly to search engine marketing.

Secrets of a Search Engine Coal Miner
By: Jerry Work | 13/06/2008 | SEM
When fighting for search engine visibility against larger and better-financed competitors, remember to think like a coal miner. Mine for nuggets.

Seven Questions for Your Potential SEO Firm
By: Jerry Work | 12/06/2008 | SEO
SEO is a confusing service to purchase. Ask these seven questions to any SEO firm you are considering hiring and you will have a much better idea of the firm's qualifications as well as what you are really paying for.

What Are Your Web Statistics Telling You?
By: Jerry Work | 08/06/2008 | Technology
You need to pay close attention to what your Web site statistics are telling you. There are pieces to a story buried in your data.

How to Use RSS to Promote Your Web Site
By: Jerry Work | 03/06/2008 | SEO
RSS is a file format that allows for the streaming of text Web content. It has two primary marketing uses, and you should probably make use of both to some degree in your web site marketing campaigns.