Monthly Archives: May, 2010
- Beating the Rain and an Unusual PT Cruiser – Pics
Here are a couple of pictures I wanted to share with you. The first I took while riding my motorcycle and trying to make it home before either the sun went down or the thunderstorms hit. Thankfully I did make it. Here is a PT Cruiser decorated in an unusual outfit. The big whitewall tires [...]
- How Should I Borrow? The Pros and Cons of Different Types of Loans and Debt Solutions
If you’re in debt you may have considered borrowing to consolidate your payments, lower your interest costs or even to stay afloat a little longer. Before you borrow, consider your options carefully. No matter how attractively some loans are marketed, they can’t solve your debt problems. The only way to do that is to spend [...]
- I Have Had Two Homes Foreclosed On Me. Will I Be Sued? – Ana
“Dear Steve, Had my 2 homes foreclosed. One was already foreclosed and the second will be finalized on March 26th. I have equity line of credit loan’s and cosidering filing for bankcruptcy because I’ve heard that the bank’s will probably sue me for the amount’s owed on these loans. Help!!! Ana” Don’t miss our free [...]
- Making a Clean Financial Break at Divorce
If you’re going through a divorce, you’re probably exhausted by the emotional upheaval and the day-to-day details of carving out a new, separate life. One thing that’s easily overlooked — or outright ignored — in the turmoil of divorce is what your financial picture will look like down the road. Some people just want out [...]
- How to Get All the Cheap Credit You Want
Today, the average person pays between 16 and 17 percent on credit card balances. While interest charges may seem low when you look at the monthly charge on your statement, over the long run they can really add up. In fact, the average person can put a hundred bucks or more in his or her [...]
- I Am Married With Five Children and Struggling to Get By. Ken
“Dear Steve, I was self/unemployed after a layoff for about 3 years, until about a year ago. I had about $60K of home equity, but accumulated about $80K in credit card debt (I had no debt going into the period). We live very frugally, with hand me downs, Goodwil,l and 200K+ mile minivans. In the [...]
- Do You Like Lifts? Do You Like Forks?
I’m not quite what to say about these forklift videos other than to say they are unusual. Check! The first one was funny and the second one, some may find it an unusually disturbing training video. Get Out of Debt Guy – Twitter, G+, Facebook
- Financial Concerns for People With AIDS/HIV
A diagnosis of HIV or AIDS will change your life. You may spend much of your time thinking about life and death and your own mortality. You might be trying to hold onto a job, if your health will allow it. You may be wondering who to tell — and who to turn to for [...]
- Tips for Eating Cheaply But Well
Food can take a big chunk out of your budget, especially if you’re not smart when it comes to planning and purchasing it. This publication will help you make the whole process less stressful — and less expensive! Scenario 1: You walk through the grocery store dazed and confused, grabbing whatever catches your eye. You [...]
- Carol Wrote Me And Asked “Would You Advise Debt Consolidation?”
Carol “Dear Steve We are in debt up to our eyes. We are not behind in anything. We didn’t want to get to that point. We were denied financing our house for a longer period of time–our debt to credit ratio wasn’t good enough. However, we didn’t want to borrow any extra money. Would you [...]
- How to Cut Your Holiday Bills in Half Without Feeling Like Scrooge
If you usually find yourself in January and February facing a stack of bills from holiday shopping, resolve that this year you aren’t going to let the spending get out of hand. Decide that your holiday memories are going to be happy ones, not headaches! Following are strategies for spending less while enjoying your holidays [...]
- Coping Financially With a Short-Term Disability
George is a truck driver. He experienced a seizure and went to see his doctor. Although the doctor said he is all right, state law prohibits him from driving for six months. Susan expected to go back to work six weeks after the birth of her baby, but she experienced severe depression and was unable [...]
- A Day In the Life of A Debt Collector
An Account From a Real-Life Collector I arrive at work with a long list of people to call, knowing that if all goes well, I may call 125 people today. Today, I’ll hear stories of businesses gone sour, failed marriages and terrible illnesses. I’ll hear outright lies: “The check’s in the mail,” or “The stamp [...]
- How to Make the Debt Collector Do What You Want
When you are in debt, sometimes you may feel that you are a “sitting duck” waiting for the debt collector to call. What you may not realize, however, is that there are laws which protect debtors from collection practices that you may find troublesome or harassing. The federal Fair Debt Collections Practices Act (hereafter referred [...]
- How to Deal with the IRS if You Can’t Pay Your Taxes
Maybe you adjusted your withholding too high, or had some self-employment income you spent without setting aside money for the taxes. Maybe you sold some valuable property, or went through a divorce that messed up your finances. Or maybe you paid what you thought you owed, but the IRS sent you a bill because of [...]