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Author Archives: Guest Post

Guest Post

Preventing the Holiday Department Store Credit Scam

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Before the holidays are over, many consumers will charge an extra $600, $800, even $1,000 to their credit cards. Most shoppers don’t plan for this—it just happens. Department stores tempt them with offers of retail store credit cards, two-for-ones, and big discounts … But by the time January rolls around, they have giant credit-card-debt hangovers that leave them wondering how ... Read More »

An Experienced Mom Prepares for a Baby

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New is always nice, but gently used furniture, clothing, and baby gear can really ease the strain on your pocketbook when you are expecting. With my first baby, everything had to be new, and perfect. Yes, I was that first time mom! If it was made for newborns, I absolutely had to have it! I spent way more than I ... Read More »

Quick Credit Tip: Become an Authorized User

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Learning how to become an authorized user on a credit card is a strong and quick strategy for building your credit, and building it fast. In fact, I have seen people’s scores jump as much as sixty points just by becoming authorized users. Before discussing the mechanism for becoming a an authorized user on a credit card, let us take ... Read More »

Priceline Bidding Strategies

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Bidding Successfully on Priceline for a Hotel If you’ve followed me on Twitter, you’ve probably seen this: I just got a 3.5 star Hotel in Los Angeles, CA for $50 on Priceline!! Find it here: http://pcln.com/5aix Thank you TheNegotiator!! After hunting for deals on our hotel, we decided to go ahead and get on Priceline to find a deal. We’re ... Read More »

Do Creditors Have The Right To Ignore A Power Of Attorney (POA)?

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This guest post is from Michael Reilly from Emerge America. His post certainly does raise issues about the lack of uniformity of the Power of Attorney. I believe the answer to that question is no! Perhaps creditors should familiarize themselves with “THE UNIFORM POWER OF ATTORNEY ACT.” As many Debt Settlement Service Providers (DSSP’s) can attest, creditors seem to think ... Read More »

DEBT COLLECTOR BLUNDERS? GET A RECORDING!

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This post was submitted by Adam S. Alexander, Attorney At Law, 17200 W. Ten Mile Rd., Ste. 200, Southfield, MI 48075. You can reach him directly at www.myfaircreditsite.com or (248) 246-6353. Before you implement the suggestions in this article, check to make sure it is legal to record calls in your state. Millions of Americans are constantly being called by ... Read More »

Retail Store Credit Cards: How Many = Too Many?

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“Would you like to save 10 percent on your purchase today by applying for a retail store credit card?” Does that sound familiar? Just about every major clothing and electronics store has promotion aimed at getting people to sign up for a store-specific credit card. But what you don’t know about retail store credit cards could hurt your wallet and ... Read More »

5 Easy Ways to Start Getting Out of Debt Quickly

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David Bakke managed to get out of $30,000 in consumer debt by changing his habits and learning to live frugally. He now shares his tips for others to do the same on the Money Crashers personal finance blog. When it comes to paying off personal debt, quick solutions don’t exist. If you have $20,000 in debt, you simply cannot fix ... Read More »

Decorating the Baby Nursery on a Budget

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Decorating Your Nursery Our next project to tackle for the baby’s arrival is getting the nursery ready. This morning it’s a bit like a construction zone as my husband is stalling a ceiling fan and light plus we have all these boxes fill with stuff that we’re donating or mailing to a relative. Preparing a nursery does involve getting some ... Read More »

Professional and Industry Reading on a Budget

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by Tamara Wilhite Need to keep current to keep your job? Here’s how to do it for less When you work in a niche industry or ever-changing profession, remaining in touch with the industry is essential. Medical professionals need to know about new laws and medical advances. Legal professionals must know about current case law and pending legal changes. Technology ... Read More »

Hey Parents! Teach Your Kids About Credit

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Unless parents decide to make a concerted effort to begin teaching children about credit, our nation’s children might become victims of a system that is deceptive, manipulative, and cloaked in mystery. Our banks, educational institutions, and government officials do not make information about credit easily accessible. They do not tell us that no credit is as bad as poor credit. ... Read More »

Second Wave of Foreclosures Has Begun. Option ARM Mortgages to Explode.

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The number of people falling behind on their mortgages increased over the last quarter for the first time since 2009, according to a new report by the credit bureau TransUnion. And while the news surprised many people, it came as no surprise at all to some mortgage experts, who have known for years that a wave of wildly risky mortgages ... Read More »

Is a Balance Transfer Worth It?

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Right now, there is a lot of interest in balance transfers. A balance transfer can help you save money on your debt. If you are trying to pay down your debt a balance transfer might be the best option. A lower interest rate will allow you to make larger payments on your principal, which means that you will pay off ... Read More »

Save Money Buying Clothes at Thrifty Stores and Consignment Shops

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Most women and even some men love to shop and love clothes. Women especially love their shoes, handbags, jewelry and other accessories. Given today’s economy you may have cut back your budget when it comes to shopping for clothing and accessories. Even with a smaller budget you can still find great finds at thrift stores and consignment stores and may ... Read More »

Having An Emergency Fund

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An emergency fund is crucial because it is an account that will prevent you from going into debt in the future again. Without an emergency fund you’ll turn to credit to pay your unexpected expenses, rather than using your bank account. Building your emergency fund is not easy and it can be harder sometimes to keep it and rebuild it. ... Read More »

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