By In the Know
San Diego is considered to be one of the most desirable places to live in America. With its sunny climate and oceanfront location, it draws newcomers from various regions of the country. However, San Diego is also one of the most expensive places to live in the country, and housing prices are a major reason for the high expense. Without high paid employment, buying a home can be financially out...
By Chris Beazer
A health savings account is a special tax advantaged health account that allows United States citizens who are eligible to pay taxes to contribute funds to the account. Created in 2003 by a medicare bill, these accounts allow the holder the ability to save money, tax free, for future health bills or retirement related health costs. You are eligible for a health savings account as long as you are ...
By Lars Tramilton
In real estate, short sales are when the lender will take less than the total amount due for the home. Short sales are alternatives to both foreclosure and bankruptcy, and are for people who cannot afford to make their mortgage payments anymore. However, not all mortgage lenders will accept discounted payoffs or short sales. Oftentimes, it seems to be more sensible just to foreclose on the house. ...
By Mel Candea
The market for low-income long-term loans in Colorado is steadily increasing. Getting a long-term loan, or refinancing your mortgage, can give you much-needed money. It could be to buy a new car, consolidate loans, make repairs to your property or just give you additional monthly financial security. You can get a long-term loan in Colorado, even if you don't make a lot of money. Figure out...
By Serena Makofsky
There are the nice long-term goals in life that include developing a six-month emergency fund, but sometimes there comes a need for immediate cash today. If you find yourself in this situation, you are not alone, and there are several strategies you can put into action to get cash by nightfall. Steer clear of the scams that get you further in the hole--like cash advances and payday loans--and try ...
By Ysabel Doran
Making and saving more money can be simple. However, when you're continually burdened by more bills than you can pay, it's hard to believe that simple changes in your daily money habits will do much to ease your money woes. It's true that personal finance problems are usually multifaceted, and the sums of money involved can seem overwhelming. However, if you break your spending...
By Brandi
Credit card companies seem to target unsuspecting freshmen as they stroll through campus during their first weeks of school. If the credit card companies aren't there, they are at the malls. Or, they send pre-screened credit card offers in the mail. Teens may see credit cards as an opportunity to charge that pair of shoes they've been eyeing, or to upgrade their dorm rooms with plasma...
By Sawyertech
Your credit score affects nearly every public aspect of your life. Want to buy a car? You need good credit. Applying for a new job? Many employers do a credit check. Renting an apartment or buying a house? Expect your landlord or loan officer to know your credit score.
The tricky part is, in many ways you need to have good credit to get good credit, since your credit rating is basically an...
By Megan Curley
People everywhere are looking for ways to lower their monthly bills. Electric bills can soar throughout the year, costing you more than you might expect. Whether you are looking for ways to cut down on your cost of living or trying to spend more efficiently, saving money on your electric bill is a good place to start. Plug your electronics into a power strip. A power strip is a surge-protected...
By Jonae Fredericks
If you are consumed by credit card debt and paying high interest fees on a number of credit cards, you may want to think about consolidating. Transferring the balances of several cards onto a new card with a lower annual percentage rate can save money every month and relieve some of your financial stress. Moving your balances and paying a low balance transfer fee may be better in the long run...
By Sarah Letts
Credit-card debt can be truly debilitating. The sooner you address the issue and establish a plan for paying off your credit cards, the better off you'll be in the long term. The length of time it will take you to pay off your credit cards largely depends on the amount of your outstanding debt, as well as your current income level. If you want to pay off your credit cards quickly, you should...