Getting Into Debt Repeatedly May Be Sign Of OCD

Tuesday, April 12, 2011, 2:00 AM | 1 Comment

Wikipedia defines Obsessive Compulsive Disorder (OCD) as an anxiety disorder characterized by intrusive thoughts that produce uneasiness, apprehension, fear, or worry, by repetitive behaviors. Believe it or not, the repetitive behavior of anxiety is aimed at reducing some anxiety in life. I think it creates a catch-22 kind of scenario. For example, repetitive hand-washing due […]



Tips How To Handle Bankruptcy As A Last Resort

Monday, April 11, 2011, 2:00 AM | 2 Comments

I am strictly against declaring bankruptcy. But a time comes in consumers’ lives that they have no choice but to go bankrupt. If you are one of them and are reaching the end of your rope, don’t try to hold on. Save what you can. A bankruptcy is always done in a courthouse in front […]



How To Avoid A Negative Job Review

Sunday, April 10, 2011, 2:00 AM | 1 Comment

These are, no doubt, hard times – the hardest since the Great Depression. Unemployment is increasingly getting higher month by month as well as underemployment. For a couple of years now, news of the worst unemployment numbers in 16 years is enough to create plenty of job jitters for most workers. However, with performance review […]



Funnel Your Credit Card Rewards Into Retirement Savings

Saturday, April 9, 2011, 2:00 AM | 9 Comments

Historically, different credit cards have offered a variety of cash back rewards. For example, Frequent-flier miles, Cash-back rewards, Gas rebates, etc. Now you can funnel your credit card rewards into retirement savings. You can apply for Fidelity Investments’ new Retirement Rewards Card at 800-343-3548 or at Fidelity.com. After you have earned enough points, the card […]



Find Your Purpose In Life And Be Debt Free

Friday, April 8, 2011, 2:00 AM | 1 Comment

Find your purpose in life, follow it and be debt free for the rest of your natural life. If you are in debt and some are up to their neck, more like drowning in debt, you probably have given advice to others how to get out of debt. You believe others can get out of […]



Adopting Frugal Lifestyle Can Repair Your Credit

Thursday, April 7, 2011, 2:00 AM | 1 Comment

Frugality or frugal lifestyle is defined as living better for a lesser amount. While maintaining a frugal lifestyle, you try to live better for a lesser amount but at the same time there’s a sharp difference between leading a frugal life and being a miser. You may decide to lead a frugal lifestyle to pay […]



Congress Must Wake Up And Smell The Taxes

Wednesday, April 6, 2011, 2:00 AM | 2 Comments

Lately, media have been abuzz about some corporation paying very little or no taxes at all. The burden of running the country financially seems to have fallen on ordinary folks in the American landscape of taxpayers. There are two distinct entities in the IRS arsenal of collecting taxes. Over many decades, especially the last one, […]



Take A Top-Down Approach When Investing

Tuesday, April 5, 2011, 2:00 AM | Leave Comment

Many financial gurus, websites and blogs have pointed out individual stocks that are good to invest in for 2011. Most people follow that when they select an individual stock. That’s fine and dandy. However, there is another way to make selection for your investments. First of all, select an industry. That way you can make […]



Tips How To Negotiate With Your Creditors

Monday, April 4, 2011, 2:00 AM | 1 Comment

We all know that every month, creditors and lenders send our credit report to the credit agencies. But, this process of reporting is voluntary by the creditors. They don’t have to send our credit information to these agencies. That means, by default, it opens up a window, no matter how small, for the consumers to […]



I’m Finally Out Of Debt – Now What?

Sunday, April 3, 2011, 2:00 AM | Leave Comment

Congratulations on becoming debt free! You let out a big sigh of relief as you make your final and last payment to the creditor. You never thought you would make it this far and you now wake up every morning without thinking of which bills to pay. It’s certainly a great feeling to finally become […]