Archive for the ‘Credit’ Category
Tuesday, March 9th, 2010
President-Elect Obama
Loanio extends its congratulations to President-Elect Obama for running an excellent campaign.
This week’s edition of Loanio’s roundup takes a look at the election and what it means for the economy. What are your thoughts to the issues? We’ve also included several links for business entrepreneurs and on p2p lending for your weekend reading.
The Economy and the Election:
Small Business:
Peer-to-Peer Lending:
Loanio in the News:
Photo Credit: 1
Originally posted 2008-11-09 05:33:00. Republished by Blog Post Promoter
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3 Ways to Increase Your Cash Flow If you’re finding it difficult to get by, one of the easiest ways to combat this issue is by increasing your monthly cash flow. While you may not be able to make a huge difference right away, slowly building up the amount of money that you have coming in, building...... -
Loanio Roundup - Wall Street Crisis and the Resilient Dollar /caption] Welcome to the second edition of the Loanio Roundup. This edition focuses heavily on the national economy and peer-to-peer lending news. We hope you enjoy pursuing through the links below. Leave a comment and tell us what you think - we'd love to hear your views on the Wall...... -
Stocks are a Great Investment /caption] Most people recognize that stocks are an excellent investment, but purchasing stocks can be a confusing process. This is especially true if you have little experience in investing, or no experience at all. You can turn the stock buying process into a good investment even as a beginner, and...... -
Teens Saving Money [/caption] One of the best ways to build a strong financial foundation in teens is by starting a savings plan early on. Over the past few years, there have been more teens saving money and the results are clear. When you take the time to teach good financial practices to...... -
Loanio Roundup #1- National Economy /caption] Good morning everyone! Welcome to Loanio's first ever roundup post. We'd like to thank the blog community for their support. You are the best press releases out there. Then lastly before we start with the links we would like to take a moment to wish everyone a splendid weekend.......
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Resisting Panic: A Quick Guide to Surviving The Credit Crunch A few years ago if you referenced the term "credit crunch", most people would be puzzled. Today barely a single day can pass without the phrase seeing consistent if not constant use in the newspapers and on television. The credit crunch is a crisis that is affecting numerous financial institutions...... -
Prosper Manual Bid or 3 via Bid Ladder and New Q and A Feature I was trying to emulate pensioner's bidding strategy with my risk tolerance. I came up with a saved search based roughly on my standing order interest rates, extended credit filters, and ordered by time left remaining such that the soonest to end was at the top. My strategy was to...... -
Discrimination in Mortgage Lending Dual Income No Kids had an article based on a book published regarding race and poverty. Wow, that's a big topic that could fill its on site. James reviewed the books thoughts and summarized it. In closing James remarked: So, it seems that lower wealth in African-American and Hispanic families...... -
linklings, Thursday at the park edition [/caption] One of the things that falls off your radar as a 9-to-5 employee is the idea of going on big outings with the kids. When I was working on my most recent two contracts I was tired by the time Saturday rolled around. The tiredness on my part...... - RateLadder 2008 Goals Happy New Year! Here are my goals for 2008 with RateLadder and p2p lending. Current Expectation Goal Stretch Goal 2008 Year Ending Account Value Prosper $11,519.59 $15,500 $16,000 $17,000 Prosper Quicken ROI 10.16% 6% 8% 10% Prosper Lending Stats ROI 3.92% 4% 5% 6% Prosper Eric's CC ROI 8.42% 8%......
Tags: american banker, business entrepreneurs, business week, cnn, cnn money, down economy, election results, email newsletters, emerging markets, great time, market watch, meltdown, money stocks, obama, president elect, recession, roundup, small business grants, small business owner, year end
Posted in Banking, Credit, Investments, Loanio, Money, Peer Lending, Small Business, Stock Market | 1 Comment »
Saturday, March 6th, 2010
#4 Pace Yourself
Below are eight tips for college students about money and finances.
1. Track your Expenses
If you track your spending for a few weeks, you will be better able to figure out where your money is going. Are you spending an exorbitant amount of money on Starbucks? You may want to cut back. Most college students do not realize where their money is going until they really take the time to pay attention to their receipts at the end of the week.
2. Formulate a Plan
The best way to manage your finances over the course of a semester is simply to sit down and really take the time to map out a budget. List all of your sources of income, tracking potential income and actual income earned. Then list all of your expenses, including tuition, books, groceries, and so on. When you have a plan formulated, you can better track money coming in and going out.
3. Make Room for Good Time Money
You need to make plans to have a little bit of personal spending money for entertainment purposes, eating out or other special purchases, otherwise you can easily throw your entire budget plan out of whack. Make some room for entertainment money and just vow to stay within your budget from month to month.
4. Pace Yourself
If you spend too much money at the beginning of the semester you will run out of money before the end. Give yourself a weekly spending limit based on how much income you have, and stick to it so you don’t end up tapped out by the end of the semester.
5. Go Easy on Credit
Credit cards are nice, and useful, but only for some purchases and not all. One quick way to spend way beyond your means is to use credit in the wrong ways. Use your credit cards sparingly if you have them, otherwise you may end up hooked on charging things, which is a great way to rack up unavoidable, unnecessary debt.
6. Set a Personal Credit Line
Just because your credit card has a limit of $2,000, that does not mean you have to spend that much. Only spend what you can actually pay back. If you only have $500 to attribute to paying back a credit card, only spend that much on the card and you will be fine.
7. Be Realistic
You can do what you want to do, but you cannot necessarily do everything that you want to do. Make some choices and be prepared to make some sacrifices because doing things and buying things is going to make a dent in your wallet, but some expenses can be easier on the wallet than others and provide just as much return on investment.
8. Plan Ahead for Emergencies
If you bust your entire budget this week on something you want to do, make sure to make up for it next week. If you constantly spend your entire budget frivolously, you can end up unprepared for emergencies like auto maintenance costs, course materials, health costs and so on.
Photo Credits: 1
Originally posted 2008-11-06 05:11:31. Republished by Blog Post Promoter
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Is Some Debt Good For Your Credit? /caption] There is no doubt about this, first of all: Getting into debt is more than capable of getting you into trouble. Although there is definitely a large downside to debt, borrowing money can also do you some good. Some debt is actually good for your credit, but only if...... -
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Defining Your Budget and Crafting Your Financial Future A budget or spending plan is a specific money management tool that is designed to put you in control of your spending, keeping you out of credit trouble and other financial trouble. Your budget is vital because it is your personal plan for spending the income that you have, making...... -
Prepare for Your Retirement Now /caption] If you are young and just beginning a career, then the concept of retirement planning may seem so far away that it is the last thing that you put any consideration into. However if you are on the opposite end of the fence and retirement is just around the......
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Can You Go One Day Without Spending A Dime? When I ask if you can go a day without spending a dime, I really mean a lot more than just if you can avoid buying a soda or a cup of coffee every day. Sure, it is pretty easy to wake up in the morning and decide that you...... -
Basics of Budgeting 2 Tracking Your Expenses Now that you are familiar with how much income money you have coming into your home, it has become time for you to pay attention to the expenses that you have on a monthly basis. You should begin with the regular payments and the fixed payments that...... -
How to Teach Personal Finance to College Kids The college crowd is among the most active users on the web, one can only hope they find resources like this out there. We've looked at how to teach personal finance to high schoolers, but how does it differ from the money management skills needed in college and beyond?...... -
Will Your Standard of Living Bubble Burst? This article is for consumers who may be living in a bubble of an inflated standard of living. The economic data indicates that there are many of you out there. To find out if that could be you, please read on. Economic Bubbles Bring Worlds of Troubles What is a "bubble"...... -
Smart Credit Card Debt Credit card debt is a global problem that has led many to the poorhouse. However, with smart management, credit card debt can actually be a good thing. Let’s look at how to have smart credit card debt that will help your finances instead of hurt it. The premise may be......
Tags: amount of money, budget plan, college students, credit card, credit credit cards, entertainment purposes, good time, groceries, little bit, much money, pace, personal credit line, receipts, spending money, starbucks, time money, vow
Posted in College Student Finances, Credit, Emergency Fund, Managing Money Wisely, Money, Personal Budget Planning, Personal Finance, Smart Money Ideas | No Comments »
Thursday, February 25th, 2010
If you are worried about gas, try carpooling.
If you follow the news, chances are the state of the economy may have you a little concerned. Bad news is rampant, the housing market is shaky and doom appears to be around every corner. While there are some definite problems with the economy right now, that doesn’t necessarily mean that you need to start panicking. Smart money management is always important, but if you find that you are overly worried about the state of the economy, there are a few steps that you can take to shore up your financial defenses and stop worrying.
The first step is to take a hard look at your mortgage payments, car payments and any other loans that you may have. If they are calculated under a variable rate, now is the time to start allocating a little extra each month to ensure that you have enough to keep up with the payments. If your mortgage payment looks like it is going to be too high, act quickly by negotiating with your bank for either a payment deferment or even a refinance. No one wins in a foreclosure situation and most banks will be willing to work something out with you.
The second step is to think about consolidating your credit card bills if necessary. If you are paying on multiple cards that all have high interest rates, you could be wasting a lot of money each month. Take advantage of a low or no interest card that will allow you to transfer those high balances into one. Just make sure you read the fine print to see how long the interest rate will remain low. Or use Loanio to receive a loan from lenders, this is easy and painless to do. This not only helps you save money on high interest fees, but you can also save time by paying only one bill every month.
Next, you can take a look at what you’re spending and how rising prices are affecting you. For example, the cost of gas right now has many people worried. You may find that you’re spending more to get to work than you may make for the day, or the ratio may have changed dramatically. If this is the case, consider setting up a carpool with other workers to save money, or you may even be able to arrange to telecommute. There are many ways that you can reduce your monthly expenses and free up more money to handle the rising cost of necessities.
This is also a good time to think about setting up an emergency fund. This is a very beneficial type of savings account that can tide you over if you run short during the month, or if you end up with a personal crisis on your hands. When you have the security of a savings account, emergency fund or other means of income, you’ll be in a much better position to weather any economic storm.
While the economy has been better, there is certainly no need to start panicking right now. Simply follow smart money practices, and you’ll be in a position where you can withstand whatever comes.
Photo Credits: 1
Originally posted 2008-10-28 20:01:41. Republished by Blog Post Promoter
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Related Sites - Weekly Roundup - Personal Finance Thoughts For March 16, 2007 I found some interesting posts this week in the personal finance blogosphere. Here are some of my favorites: Mighty Bargain Hunter (love the name) discusses planning for receiving an inheritance. Some good points to ponder if you know that you will be receiving a large sum. Free Money Finance mentions......
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Whom Shall We Trust to Teach Our Children about Personal Finance? The philosopher Plato believed that two of the most important questions that a society needed to address were: (1) what will society teach its children and (2) who will do the teaching. Plato had some rather radical ideas about the answers to those questions, including yanking kids out of the home...... - Top ten ways personal finance blogging has helped me Lazy Man & Money has started a meme about the Top Ten Ways Personal Finance Blogging Has Helped Me. If you're interested in participating, let him know that you've done so & he'll link to you. 10. It makes me feel good to know that I may be helping others.......
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Ben Bernanke Wants Personal Finance Blogs Out Of Business! According the the Wall Street Journal Economics Blog Fed chairman Ben Bernanke, in a speech today, stated the importance of financial literacy classes in high school. A survey given to high school seniors had only 48.3% of the students correctly answering questions about personal finance and economics. This is down...... -
Managing Your Finances and Your Future One of the hardest things for many of us to do is to manage our finances properly. It can be hard if you’ve had no training and you’re used to just spending freely, whenever you want. There are thousands of people out there that can’t balance their checkbooks let alone......
Tags: bad news, banks, car payments, cards, carpool, credit card bills, economy, emergency fund, foreclosure, gas prices, high interest rates, housing market, interest card, interest rate, loans, money management, mortgage payment, mortgage payments, smart money, variable rate
Posted in Credit Cards, Emergency Fund, Managing Money Wisely, Money, Mortgage, Personal Finance | No Comments »
Tuesday, February 9th, 2010
Know your credit!
We all make mistakes, but when it comes to your credit report, a simple or small error can have a big impact. In fact, one small error is more than enough to drag down your FICO score and could even prevent you from getting a loan in the future. It is very important to monitor your credit report and score on a regular basis to spot any errors that occur. This will enable you to take quick action to fix any damage that has been caused before it can affect you adversely. Here are the steps you need to take to fix a mistake on your credit report.
1. File a Dispute.
This is done through the actual credit bureau. Since there are three different major reporting agencies, you may need to monitor all three to see if all of your reports are being affected. Each one will have to be dealt with separately, especially if the error appears on all three reports. In many cases, it may take 60 days or more for something to show up on a report, so if you do spot an error, you will need to keep monitoring your other reports as well.
All three bureaus now offer the ability to file a dispute online, or you can file it by phone or through regular mail, depending on your preference. You will need to select the reason for your dispute and provide the correct information if necessary. Expect to wait up to 45 days for a response one way or the other.
2. Contact Creditor Directly.
If your dispute is denied and you are certain that there is still an error on your report, you can contact the creditor directly. Keep a record of all communications and send a copy of everything you send to a creditor to the three major reporting agencies as well. Always use registered mail when you contact a creditor, since they will need to respond to you within 45 days to remain compliant.
If you do not hear back within that time frame, you will need to contact the reporting agencies to update them on the status of the dispute. In many cases if the creditor has not responded within that time frame, the agencies will simply remove the error.
3. Know Your Rights.
It is a very good idea to review the Fair Credit Debt Collections Protection Act so that you are aware of your rights when it comes to dealing with creditors, reporting agencies and collection agencies. The information contained in this act will assist you in determining your further course of action if you cannot get the error removed from your report.
With diligence, you can protect your credit rating from adverse affects due to errors, but it is up to you to make sure that they are taken care of promptly. If you are not currently monitoring your credit reports, you may want to consider doing so, especially if you plan on applying for a loan within the next 180 days.
Photo Credits: 1
Originally posted 2008-10-13 05:18:27. Republished by Blog Post Promoter
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What Is In Your Credit Report? Although every one of the credit reporting agencies is going to format and then report their information in a different and unique way, all of the various reports are going to contain basically all of the same information and categories. Your SSN or social security number will be listed, along...... -
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Tags: Annual Credit Report, Credit Bureau, credit card laws, credit report, creditor, fair credit debt collections protection act, FICO Score, getting a loan, mail, mistake, preference, response one, time frame
Posted in Annual Credit Report, Credit Bureau, FICO Score, Managing Money Wisely, Personal Finance | No Comments »
Sunday, January 17th, 2010
Does debt improve credit?
There is no doubt about this, first of all: Getting into debt is more than capable of getting you into trouble. Although there is definitely a large downside to debt, borrowing money can also do you some good. Some debt is actually good for your credit, but only if you understand why, and how much debt is good in comparison to when your debt has become too much.
With the help of credit, you can achieve some of your financial goals. Debt allows you to take advantage of experiences and opportunities that enhance your life, like buying a car or purchasing your dream home, going to the best school or taking a cruise around the world. Getting the true value out of your credit has to do with developing a spending plan that allows you to get there in the time frame that you have set, without ruining you financially.
With the help of credit, you can send a message to potential lenders. If you have never had any debt, then you have never used credit before and will not have a credit score or a credit report to speak of. In today’s world, however, it is difficult if not completely impossible to live without credit, because credit is vital for purchasing most big ticket items, like higher education, vehicles and homes. Credit is also heavily relied upon for the purpose of preparing for life’s emergencies. For all of these reasons, having a good credit reputation is going to show potential lenders that you are a good and healthy credit risk by showing that you can handle a little bit of debt. By showing your capability to repay debt, you can put yourself in a good position to attract creditors offering favorable terms and rates.
Credit and debt are also capable of giving people a sense of how responsible you are. If you had no debt or credit history, you would find yourself being disadvantaged in other ways. Should a prospective employer check your credit record and come up empty for example, they may find this strange, and not want to hire you. Without a credit record, employers, lenders and other individuals lose out on a potential way to appraise who you are. Debt and credit are important for getting an apartment, applying for car insurance, buying a home, even sometimes renting a car. Even if you can afford to do some of these things, using debt and credit to create a history of how you handle money is an advantageous option in favor of just using cash for everything. Credit is not only a tool for extra income, but it is also a way to show lenders, employers and other individuals how responsible you are when it comes to borrowing, spending and repaying your money.
Photo Credits: 1
Originally posted 2009-01-19 05:45:46. Republished by Blog Post Promoter
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TransUnion Reveals National Credit Card Debt on the Rise TransUnion.com, one of the three major credit bureaus, released the results of an analysis study of the trends in credit card lending specifically for the third quarter of 2008, revealing that credit card debt is on the rise. The report is one part of an ongoing series of quarterly consumer...... - Eliminate Credit Card Debt Without Bankruptcy Even tasks as challenging as eliminating credit card debt can be boiled down to less than a dozen steps. Notice I called them simple, but that doesn't mean they are not difficult to follow through on. It will take sheer determination, and a lot of sacrifice, to see all those......
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Tags: big ticket items, borrowing money, credit history, credit reputation, credit risk, credit score, creditors, cruise around the world, downside, dream home, education vehicles, emergencies, favorable terms, financial goals, higher education, lenders, no doubt, prospective employer, time frame, true value
Posted in Credit, Debt, Finance Goals, Loanio, Money, Personal Finance | No Comments »
Sunday, December 13th, 2009
Study and Save Money
If you are a college student, then your primary focus is probably set on your studies and trying to maintain your education so that you will be benefited in the future. Unfortunately, one of the things that you may not be putting enough consideration into is how you are handling your money. Even more unfortunately is the fact that failing to manage your finances now can put you in a pretty deep financial hole by the time you are graduating from college. For this reason above all else it is absolutely vital that you take control of your finances now so that you can have a bright financial future when you are through with your education. Here are some tips for college student budgets and how you can avoid college financial disasters.
1 – Only use credit cards in absolute emergencies.
Once you obtain a credit card, it can seem all too easy to begin racking up some debt, but this is a terrible way to start out, and may completely destroy your credit long before you graduate. Remember that the money that you spend on credit cards will eventually need to be repaid, and if you are not financially stable enough for this, you can put yourself into some serious debt with little effort. It is better to have a credit card that is intended only for emergencies rather than using it to purchase a new pair of shoes or to buy groceries if you can help it.
2 – Pay your credit card balance off every single month.
If you have a credit card, it has an interest rate, and if you want to avoid this interest, you absolutely have to pay your credit card balance off before each month is through. If you pay your balance off every single month, then you will avoid credit card debt and save a substantial amount of money that would normally have to go to interest rates and finance charges.
3 – Pay your bills off on time, every time.
Now is the most ideal time for you to begin building your credit history, and one of the best ways to do this is to always pay your bills off on time. If you are not able to pay your bills off on time, it can become quite expensive to deal with late fees and cut off charges. Many companies are more than willing to overwhelm you with late fees, shut off charges, renewal charges and deposits if you do not pay on time, and interest rates may also rise if you are late, costing you even more money in the long run.
4 – Start putting money away now.
Many college students never really grasp how important it is to save money. If you start saving money now, while you are still in school, you can reap a large number of benefits when you are older. Get into the habit of saving now, and you will begin to earn money from the money that you put away. When emergencies come up in the future, you will be better prepared which will save you time, money and hassle in the process.
Photo Credits: 1
Originally posted 2008-12-15 05:36:10. Republished by Blog Post Promoter
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Tags: amount of money, credit card balance, credit card debt, Credit Cards, credit history, education, emergencies, finance charges, financial disasters, financial future, financial hole, groceries, interest rate, Interest Rates, new pair of shoes, pair of shoes, student budgets
Posted in College Student Finances, Credit Cards, Loanio, Money, Personal Budget Planning, Personal Finance | 1 Comment »
Saturday, November 21st, 2009
What investments are you making?
Good morning readers and welcome to another edition of Loanio’s weekly roundup. Below you’ll find several great articles under the categories of small business, the economy, p2p lending, and investing. We hope you find them helpful and interesting.
The Economy:
Small Business:
Peer-to-Peer Lending:
Investing:
Photo Credit: 1
Originally posted 2008-11-23 05:19:07. Republished by Blog Post Promoter
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Tags: economic data, economist, economy, Loanio, roundup, Small Business, smart money
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