Posted June 23rd, 2011
by Jessica Goodenough
Ewww! You might think. Dumpster diving? Climbing into a big box full of people’s trash is not for everyone, but that’s not what dumpster divers really do anyway. By using some common sense and keeping your wits about you, you’ll find used but useful items, some of which may even be valuable. It’s an environmentally sustainable practice that saves money and reduces landfill waste. Here are some tips for embarking on your treasure hunt:
Getting Over the “Ick” Factor
Yes, it is gross to throw yourself into an oversized trashcan. That’s why dumpster divers stay outside the dumpster and use poles or other retrieval instruments to pick through the dumpster. But the smell is more than a little daunting. Dumpsters are filled with expired meats, fruits, and vegetables, along with your neighbor’s children’s dirty diapers.
But just like with farm animals, babies and grandmas, you get used to the odor. After a while y
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Tags: Diving, Dumpster Diving Posted in Debt Consolidation Online
Posted June 21st, 2011
by Jessica Goodenough
Did you know that the average household has $14,743 accumulated in debt? By putting into action FOUR important steps, you can eliminate debt from your life sooner rather than later.
#1 Take an honest assessment of what you owe. It is probably going to be painful, but knowing the real number will be much more motivating to apply extra funds towards paying it off.
#2 Really take in the number. Figure out what youre paying monthly, what its doing to the total balance, and how you can be more efficient.
#3 Enlist the help of a professional. Credit counselors are on your side, and professional debt consolidation can offer just what you need to get your finances back on track.
#4 Downsize. Sell things you dont need. Clean out closets and utilize online auctions. While it wont be a living, it will help you put a dent in some of those outstanding bills.
Tags: Debt, Debt Today Posted in Debt Consolidation Online
Posted June 20th, 2011
by Jessica Goodenough
Creating a financial plan is a necessary tool in planning for a successful future. The first step is to create a rough outline of what your end goals are and a few targets to get there along the way. The following are a few things you need to keep in mind when drafting your first outline.
First, you need to gather your monthly bills such as; credit cards, cell/home phone bill, cable/satellite, insurances, mortgage and utilities. These bills are necessary as they keep your home running and your credit score inline Secondly, determine what weekly/monthly expenses are necessary such as; gas, groceries, and janitorial supplies and daycare if applicable. The last set of expenses come from luxuries; cigarettes, alcohol, dining out and shopping trips to the mall.
Necessary Evils
If you are a home owner, you need to consider yearly upkeep.
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Tags: Financial, Financial Health Posted in Debt Consolidation Online
Posted June 20th, 2011
by Jessica Goodenough
Moody’s Investors Service says the U.S. risks losing its top AAA credit rating if it defaults on its debts–even for a short period of time. The service states Congress needs to find a way to raise the nation’s debt limit soon to stop the worst from happening.
In an interview with Bloomberg News on June 21, Moody’s senior credit officer, Steven Hess, explained that a missed debt payment could result in a fundamental change in the U.S. credit rating.
He said, “Up until now, our assumption was that the risk is virtually zero of them ever missing an interest payment.” But now that lawmakers seem to be having problems coming to a consensus on how to avoid default after the $14.3 trillion debt ceiling was reached in May, Moody’s fears that missing payments is a real possibility.
Hess went on to explain, “If they actually miss a debt payment, then it’s a fundamental change,” meaning that a downgrade is not only possible, but probable.
Moody’s warned lawmakers on June 2 that it would put the credit rating under review for a downgrade unless there was progress on increasing the debt limit by the middle of July.
It may seem harsh that the U.S. could lose its AAA credi
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Tags: Aaa Credit, Aaa Credit Rating, Credit Rating, Default Posted in Debt Consolidation Online
Posted June 13th, 2011
by Jessica Goodenough
On the Internet, as with real life, you can never be too careful. Your information should stay private, and on your own computer. However, through wireless internet that isnt protected, anyone can access your information. Ditto for using a public computerif you dont remember to log out of sites that require password information, then anyone can change yours, therefore locking you out of it.
Hackers begin anywhere, such as with your e-mail address. From there, they can access online account summaries and statements, and also request password reminder emails to access other sites on the web that are tied to the email.
With the craze following Google wallet, it is only a reminder to all internet users that passwords and accounts must be kept at a top level of privacy.
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Posted in Debt Consolidation Online