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Guest Bloggers Are Welcome

New credit card rules add accountability

By: NCR Credit Plus Credit Repair Views: 3684 | Comments: 1 | Votes: 0

In a world where shopping online and booking a hotel or a rental car usually demands plastic, few people can survive without a credit card.But vast changes in credit regulation coupled with a souring economy turned 2009 into the most turbulent credit year in decades, with a record number of rate hikes, consumer cancellations and changes in fees, terms and credit limits. More

Mortgage Rates Are Low But Rules Are Very Strict

By: Trajce Panov Home Loans Views: 3652 | Comments: 0 | Votes: 0

With interest rates near rock bottom and home prices down, this ought to be a great time to buy a home. But for most people, it's a lousy time to get a mortgage. Years after the collapse of the real-estate market and resulting financial crisis, it takes nearly pristine credit scores and hefty down payments to get the best rates. In the process, they shape how much it costs to borrow. More

TV Breaks Out of the Box

By: Telecom Advisor Personal Finance Views: 3628 | Comments: 0 | Votes: 0

By Mike Musgrove Sunday, November 16, 2008 My friend Susanna has never had a cable subscription. Sure, she has occasionally felt left out of the national conversation over the years -- mainly, when "The Sopranos" was on. "I knew cable was just a passing fad," she joked. "It only took 25 years." Crane recently vowed that he was done with Comcast. More

Credit score can survive smart loan modification

By: Kenneth R. Harney Home Loans Views: 3623 | Comments: 0 | Votes: 0

Financially stressed homeowners looking to cut their mortgage payments through a loan modification, short sale or principal reduction under one of the Obama administration's programs needn't wreck their credit scores in the process. Other alternatives to modification -- such as foreclosure and bankruptcy filings -- can tank your scores and take years to rehabilitate. Kenneth R. More

Exchange Traded Funds

By: Art Of Saving Investments Views: 3610 | Comments: 0 | Votes: 0

Exchange Traded Funds (ETFs) are a group of passive index funds that trade on an exchange like an individual stock. At the time of writing there are 162 ETFs with $220 billion in assets under management trading on U.S. New niche funds are being created regularly. Check out Amex.com, Yahoo! Finance’s ETF Center, ETFConnect, or ETFera.com. Mark inks The Market Speculator newsletter. More

Art Of Saving Launches National Savings Day

By: Art Of Saving Personal Finance Views: 3599 | Comments: 0 | Votes: 0

San Diego, Calif. – Feb. 18, 2009 – Art Of Saving, a personal finance social network, has started a petition to establish, recognize, and honor a National Savings Day in the USA. Why we need this day of recognition? With the current economic decline, times are bleak for American consumers. Many families are only three pay checks away from bankruptcy. More

In product liability insurance, what is "Breach of Warranty"?

By: Jim Kaz Business Loans Views: 3576 | Comments: 0 | Votes: 0

One of the oldest and widely recognized theory is breach of warranty for which there are two types of claims. One is expressed, the other implied. An expressed warranty makes certain performance claims often found in a number of different sources— your sales and promotional materials, a sales contract, other published data, even in oral representations. More

Ohio's Best Health Insurane Options

By: DRuthven Insurance Views: 3574 | Comments: 0 | Votes: 1

The best health insurance in Ohio. What is the best? The lowest cost? The best benefits? The largest health insurer? The quickest to pay claims? Perhaps the answers (that’s right….more than one answer) are a little of everything just mentioned. There are hundreds of Ohio medical insurance plans available to residents. The concept is simple. Now, that’s simple and easy! More

Health Care Reform or Welfare Program - Who Pays the Bill?

By: Steve Selengut Insurance Views: 3570 | Comments: 0 | Votes: 0

The White House has released another of its health care reform clarification emails--- there will be more. It seems strange to me that the focus is on insurance coverage rather than on the spiraling costs of health care itself. But why should they care? This is Robin Hood politics, not business. Why do we continue to re-elect them is a far better question. to assure that this happens. More

Who Needs a Living Trust?

By: Sonja Panajotovic Estate Planning Views: 3561 | Comments: 1 | Votes: 1

Any California resident with an estate of $100,000 or more can benefit from having a living trust. The Trustee simply distributes assets to the named beneficiaries as long as those assets have actually been placed inside the trust. However, the fact that the assets are now in a trust has no practical affect on ones rights to, or interest in, his or her assets. More