How to Live a Debt-Free Life

October 4, 2009

How much of your income is spent on debt? Take a few minutes to add it up. What you find may shock you. The truth is that today more than ever we are saturated with debt. This debt eats away into our income until we can no longer stay afloat. And this trend is not just found among the poor; even people with large incomes see their money swallowed by debt.

So, how much do you spend in debt? If you’re like most, it’s a good bit more than you would like to. Granted, we all have to make a house payment and car payment, but it’s that other debt that really gets you: consumer debt. Just imagine if you had no debt payments. What could you do with all of that money? Read more

Financial Planners Have Taken a Huge Hit This Last Year

October 1, 2009

Most of the folks that work in the financial planning field have not done so well this year. Mostly because shaken investors are not ready to get back into the market, and many have ditched their stock brokers and financial planners because of the huge losses after the market collapsed. All this is really unfortunate as the market is up 50% off the bottom and had all those clients stayed in, or gotten out near the top as it crashed and then gotten in at near the bottom, they’d have made a good bit of money. Read more

What to Say and What Not to Say When Negotiating With Original Creditors

October 1, 2009

Whereas there are lots of good articles that explain what to say to debt collectors, there are very few that make clear that you need to talk to the original creditor in a completely different way, and that’s a pity because although the original creditor doesn’t have to give you anything at all, you can receive a helluva lot just by using the right negotiating process.

But before we get into how to negotiate with an original creditor, we first need to establish if that’s who you’re dealing with. Read more

Investment Finance - Where to Get It

October 1, 2009

It is many people’s dream to be able to invest their hard earned cash in something that will earn them more money. There are many investment opportunities available but some of them may be hard to reach or even understand the intricacies involved in operating them. You want to be in a position to invest not only to earn some money but also have a sense of security. Read more

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