Posts Tagged ‘What’s’

” Put your finger on the things that will hurt your credit report,and cost you money”

Possible land mines that will hurt good credit that can lower your score.
Your sense of financial well being can be obliterated easily by any number of land mines that lie in wait for the unsavvy user of credit. Here are a few of them.

The cost of cash advances

Getting cash from your credit card is one of the most expensive ways to put money in your pocket. There is usually no grace period on cash advances. That means you’re charged interest the second the ATM spits out the cash. And lenders often charge a higher interest rate for this “convenience.” So on top of the fee you’ll pay to get a cash advance – typically around 2% of the total – you’ll pay a higher interest from the day you get it. With all of this in mind, you might want to reserve cash advances for true emergencies.

Short or non-existent grace periods

If you’ll be paying your bill in full every month, you’ll want a reasonable “grace period” in which to pay the bill before interest charges start accruing. Look at the disclosure information to see when interest is charged on new purchases, and make sure you pay your bill on time. If your payment is one day late it will almost certainly trigger interest charges. Also, if you carry a balance over months, chances are you’ll have no grace period for new purchases.

When dealing with debt consolidation and finance companies, consider that you may end up with one monthly bill, but you might end up paying quite a bit of money for a long time for that convenience. If you use a home equity loan to consolidate, you are using your home as collateral.

Low minimum monthly payments

The minimum may only be 2% to 3% of the balance, a number that sounds low enough to some people. However, the price of any given item will be relatively steep over time and it may take years before you finally pay the bill in full.

Unauthorized use of a credit card

A dishonest person can use a consumer’s name, card number and expiration date to order items over the phone, the Internet or through a catalogue. If a credit card has been lost or stolen, notify the card issuer immediately. Pre-approved card offers can be stolen from a mailbox without the knowledge of the intended recipient and redirected elsewhere. If not shredded, information containing credit card numbers and names can be taken from trash containers. In addition to fraudulent charges, identity theft – a much more severe problem – can result.

Credit report misinformation

Check your report at least once a month to make sure information is being reported correctly. While inaccuracies that effect your creditworthiness are rare, it can happen. Credit physician can help you make sure everything is correct.

Mistakes on a credit card bill

Study your monthly bill carefully and compare the charges against sales receipts. If you have any doubts about a charge, call the credit card company and ask them to provide more information. Make sure the APR listed on the statement is correct, especially if you have a low APR as a promotional offer. Check to see if returned purchases were correctly credited to your account.

” Credit is like playing chest,its about the moves you make,each move gets you closer to winning,so read the information we send,and follow the physician advice”

The Credit Physician

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100 Huntley Street program #8237

I think I really missed my calling in life. Over the last several years, I have picked up quite a bit of knowledge of how to manage my own investments and plan for retirement, and I find it all incredibly interesting.

So how does one go about becoming a financial planner? I don’t really want to manage people’s money so much as help them develop a good plan based on their circumstances and goals, and maybe recommend some good investments for them to achieve those goals.

Does one have to take certain courses? Do you have to do a lot of cold calling to get clients? Any background info or good web sites would be great!

I have been having problems with a neighbor for about a month now. My wallet was stolen(I made a report) and this neighbor loaned me $15. B/c I no longer have ID(it was in my wallet), she also shelled out $10 to pay for my dog’s Rabies shot. Then she bought me and my fiancee a carton and a half worth of cigarrettes to last until payday. Payday rolls around; I gave her back the $25 and bought her 2 cartons of cigarrettes plus about $40 in gas and took her to a nice dinner at a casino resturant. Well, a few days after that, I bought a lease to own PC laptop. I was more preoccupied being on my computer and was avoiding her as well(Because I was weary of her; all she did was gossip about our other neighbors and brag about the charges she slapped on them and other legal difficulties she is putting them through-so I felt uncomfortable being around her b/c of that-I thought she was mean-spirited). Well, about 3 wks ago, me and my fiancee were both over at her place just talking and stuff-nothing seemed wrong. Well, after we got home, I got all these text messages on my phone accusing me of not wanting to be her friend, that I thought she was a piece of sh*t, and no longer needed her b/c of my “stupid computer”, etc. This was like 3am! I called and confronted her on it, she said she was “just playing, take a joke”. I said fine, but we are sleeping and dont want to be woke up. Then we sparadically spoke to eachother(I was being pleasant but distant) and called my fiancee haggling about me being on the computer all the time. Then one time we were passing an email back and forth about how sick she was feeling-replied back on what remedies to use, etc. Her response was a nasty one; alternating between gossip about others, how we were avoiding her, that the feds were going to seize my computer(b/c i am a swinger and belong to several adult groups-is that a crime?) and that i STILL owed money! Called and asked about it; she said it was an old email(but it was dated on that day!) said not to worry about it. I was more weary of her then and me and my fiancee even came over there and had a seemingly pleasant agreement about her disturbing emails, phone calls, and txt messages. so I thought we were all on good terms. Thanks giving rolls around; we are invited and we have a nice time over there-nothing seemed wrong-nothing was brought up out of the ordinary. So, to cap off thanksgiving; me and my fiancee paid for a $90 hotel room for ourselves. Our night, ya know? Well, at 3 am AGAIN she starts txting me all the way until about 7am about how much I owed her and why and that she was going to contact her atty in the morning. We could have spent this sleepless night for free at home(i did not respond to txts; called her but would not answer but still txted me). The only reason those txt messages stopped at 7 was b/c I had my pcs provider change my number and my fiancee’s number. I also blocked her email address. The neighbor then confronted my fiancee about not being able to reach us; he told her that the numbers were changed, and that we wished there would be no more contact between her and us-she told him not to worry about those txts; she was just blowing steam! But she was still told that we should cut ties anyway. That was 2 days ago. Now today(sun) she left a nasty letter on our gate(handwritten with a paralegal’s signature on it) demanding she wants her money(apparently i owe her $290 all together! I only borrowed AND paid back the $25 and cigarrettes plus gas! in her letter it says that some of our neighbors plus ppl we dont even know are telling her that we are going to the ghetto and doing crack! That i am falsifying information and using false names(What!?)-we only went to the ghetto a few times to visit friends(drug and drama free friends!). That we are going to jail and that if I dont get her the money by tomorrow(which is today now) that i will also be paying her atty fees and court costs! WTF!!!???? We got so scared that we WALKED about 5 miles to the police station just for them to refuse to look at the letter(plus the one shoved in our mailbox we found on the way to the police station) and say there was nothing we could do, that there was no proof she tresspassed and that it was not a crime to write a letter and leave it somewhere(on our property). We even stated she was told to leave us alone. We walked back, picked up a money order for the amount(We just want to pay her anyway and just get her out of our hair), went to the only open place(the casino) obtained copies of the money order with the same letter i wrote on both copies stating that we no longer need to be in contact at all). So when we got home; I paired up the copy letter(with photo of money order w/ reciept stub) and the money order-i put the original letter w/photo and receipt stub aside for me to keep. Me and my fiancee both went over to her house(b/c she was up and we knew it) armed with a tape recorder incase she would try to incriminate us for
RK: I went to thanksgiving thinking everything was alright between us , I saw her sometimes b/c I was afraid of getting this well-connected neighbor peeved at me; and i just want to pay her to shut her up. I am going to the police station or courthouse tomorrow(which ever place will grant her a restraining order-thank you for your answer bye the way!

My family has recently run into financial troubles and I need more financial aid from the community colleges I’m looking at (grants, scholarships, etc). What is the best way to ask for more financial aid from a school? What should I mention in my letter? Any other tips you can suggest?

I only need $250 right now! I can pay all of it back before the end of this month!

What is the best site that will give me the money immediately?? And they have to accept bad credit as well. Anyone have any recommendations and how these cash advance company’s work?

Anything about the stock market?

As a SAHM and just in general a frugal person, I am always looking for tips to save money. I will share a few of mine too. Here are my favorite money saving tips

Use a crock pot, it takes less money to run than your oves, saves tons of time, food turns out great, and it doesn’t heat the house.

Use a Toaster oven. When I’m not cooking in the crock pot I’m cooking in my toaster oven. I bought one big enough to bake pies, bread, cake in square cake pan, cookies, chicken, steaks, etc….. I bought a regular toaster for making toast. I feel making toast in a large toaster oven is a waste of electricity.

Buy used when possible. I bought my sons loft bed for $150 the same exact bed sales for $1000 at our local kids furniture store. I bought his power wheels 2 seater jeep for $30. and I bought a Quadra Fire gas insert for $250, we were looking at the same one at a local store for $2500. These are just a few bargains I have found.

A good credit score for buying a house will vary greatly depending on the economy, but a score of 700 or more will make it the easiest for getting a home loan. Be sure to save up for a sizable down payment if your credit score is not great with advice from acertified financial consultant in this free video on home loans. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz