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Recent Reviews
- How we pay with plastic will change Monday with new credit card rules
- Eliminating ‘He Said, She Said’ on Loan Modifications
- 10 Ways to Screw Over the Corporate Jackals Who’ve Been Screwing You
- The Unemployment Game Show: Are You *Really* Unemployed? – From Mint.com
- Credit card’s newest trick: 79.9 percent interest
- 42% of parents have paid a child’s debt
- More Homeowners Fall Behind on Mortgages
- Problem mortgages hit new high at 14 percent
- Google Tackles Mortgage Market With New Comparison Ads
- Latest bank fee is for paying off credit card on time every month
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Steep Losses Pose Crisis for Pensions
Two Bad Choices for Funds: Cut Benefits Or Take Greater Risks to Rebuild Assets
The financial crisis has blown a hole in the rosy forecasts of pension funds that cover teachers, police officers and other government employees, casting into doubt as never before whether these public systems will be able to keep their promises to future generations of retirees.
The upheaval on Wall Street has deluged public pension systems with losses that government officials and consultants increasingly say are insurmountable unless pension managers fundamentally rethink how they pay out benefits or make money or both.
Within 15 years, public systems on average will have less half the money they need to pay pension benefits, according to an analysis by Pricewaterhouse Coopers. Other analysts say funding levels could hit that low within a decade.
After losing about $1 trillion in the markets, state and local governments are facing a devil’s choice: Either slash retirement benefits or pursue high-return investments that come with high risk.
Read more at: The Washington Post
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{Photography by: Alex E. Proimos}
7 free worksheets to help your budget
Budgeting is becoming cool again!
It really comes as no surprise that more and more people are starting to budget as the economy tightens up. I have been noticing more people interested in budgeting – which gets me excited! If you have been around here for any length of time you know that I was converted to budgeting and have been thrilled at how liberating it has been. Yes, I said liberating – I believe that budgeting should be fun and if done properly, it really makes your life a whole lot more peaceful. (Read more at: christianpf.com)
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{Photography by Jeff Keen}
10 Ways Moms Can Make the Most of Their Money
Give your finances the same TLC you give to the rest of your family.
Recently I was a guest on a radio show about kids and money, and a number of adults called in to talk about their own family experiences as children. One woman had grown up with a father who had a gambling addiction. She credited her mother with holding the family together both financially and psychologically. Another caller confessed that he still loves to indulge his children — now in their early twenties-with things his family couldn’t afford when he was growing up. He depends on his wife to rein in the family purse strings.
In fact, studies consistently show that by margins of 60% or more, women tend to be the ones who pay the family bills and balance the checkbook. So on Mother’s Day it makes sense that Mom should give her own finances the same TLC she applies to the rest of the family. (Read more at: Kiplinger)
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{Photography by Nordgren}
The Overspent American: Why We Want What We Don’t Need
What you need to know about Cash for Clunkers Program
What you need to know about Cash for Clunkers Program: Cash for Clunkers is a measure to encourage consumers who own and operate a car that gets under 18 miles a gallon to trade the car in for a more fuel efficient model. If the consumer’s new purchased car is rated at or above 22 miles per gallon, a Cash for Clunkers voucher will be rewarded.
There are two cash vouchers that can be issued when a consumer purchases a new, not used, car from a dealer:
- If the new car gets 4 miles per gallon more than their current car, a consumer would get a cash voucher for $3,500.
- If the increase is 10 miles per gallon, they could get a $4,500 cash voucher.
(Read more at: Wise Trends)
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{Photography by Bormang}
FDIC Insurance Coverage Extension of Temporary Increase in Standard Maximum Deposit Insurance Amount
Summary: On May 20, 2009, President Barack Obama signed the Helping Families Save Their Homes Act, which extends the temporary increase in the standard maximum deposit insurance amount (SMDIA) to $250,000 per depositor through December 31, 2013. This extension of the temporary $250,000 coverage limit became effective immediately upon the President’s signature. The legislation provides that the SMDIA will return to $100,000 on January 1, 2014.
Highlights:
- On May 20, 2009, the temporary increase in the SMDIA to $250,000 per depositor was extended through December 31, 2013.
- Institutions are encouraged to post the following statement, or affix a sticker with this statement, next to the official FDIC sign (teller station sign): “FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.” Banks may use their own materials in any format for this purpose.
- The FDIC will issue a temporary official FDIC sign that reflects the $250,000 increase in the SMDIA through 2013. Insured institutions may pre-order the temporary signage on the FDIC’s Web site at http://www.fdic.gov/regulations/resources/signage/. Use of this temporary sign is optional. Institutions may continue to use the official FDIC sign as shown in 12 CFR Part 328.
- The FDIC strongly encourages all insured institutions to inform depositors that the increase in coverage is temporary and effective only until December 31, 2013, particularly when opening new accounts and certificates of deposit maturing after that date.
Source: FDIC.gov
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{Photography by Zieak}
Mark Cuban victim of identity theft
Authorities said a New York man stole tens of thousands of dollars using credit cards taken out in the names of rich and famous men.
A police source said Gregory Mortel, 23, used credit cards in the names of rich men including Dallas Mavericks owner Mark Cuban, fashion entrepreneur Tommy Hilfiger and George Hornig, the chief operating officer of investment bank Credit Suisse First Boston, to pay for spa treatments at upscale establishments and other luxuries, the New York Post reported Thursday.
The source said investigators had Hornig call Mortel’s cell phone and the suspect said during the call, which was recorded by police, that “nobody will ever be able to trace him to any wrongdoing.”
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{Photography by Mil8}
Educate yourself = Empower yourself
Personal Finance can be a confusing matter, but it doesn’t have to be.
The first step when dealing with money matters is to understand exactly what you are doing. Don’t rely on the marketing information given to you by the very same people and companies that are trying to sell you something, instead use a simple two-step methodology:
- Be informed about what it is that YOU need, depending on your lifestyle and philosophy, your individual needs are unique to you and your family, and no one-size-fits-all measure will do;
- Seek out the products and services that meet YOUR needs in the marketplace.
The web is a great vehicle for step 2, Credit Cards Mojo and other sources give you timely and useful information about what’s available in the marketplace in terms of credit cards, mortgages, home equity lines of credit, home equity loans, student loans, auto loan, personal loans, and other personal finances tools.
At the same time we believe that good books are essential for everyone to learn a good foundation on money, money management, and personal finance in general.
This is a short list of the best books available for you:
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![Debt cures \](https://images-na.ssl-images-amazon.com/images/I/511Ps5Z3DCL._SL160_.jpg "Debt cures \") |
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Don’t forget, when you are asked to buy something, or to sign something, anything: if you don’t understand it, don’t do it! It’s a principle that holds true for anything, from investing to getting a loan.
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Sponsored by:
Photo Credits: Elvire R. (cc)
Time to save money: how much is your checking account costing you?
Long gone are the days when banks used to pay interest on their checking account. Some of them still do, but they require a high minimum balance, and the interest rate that they offer is laughable.
Additionally, should the balance fall below the stated minimum balance, you might be hit with a maintenance fee, and using your ATM card at ATM machines that are not operated by your bank usually cost you $2.00 and up to $3.50.
As we approach the end of the year, everyone is re-evaluating where they spend their money, and make appropriate adjustments. We have a couple of suggestions for you:
Why not do so earlier this year? Instead of waiting for January, why not start saving money today?
Always look at your expenses on a yearly basis, not on a monthly basis.
Take a look at your bank’s checking account, how much do you get charged for maintenance fees? The average nationwide is $15 per month, not including ATM fees. On a yearly basis that is $180. Can you think of something better to do with $180 other than give your bank free use of your money?
There’s a better solution, ING Direct Orange Checking account to your rescue:
- No minimum balance;
- No maintenance fees;
- Interest on your balance, currently 1.50% APR, (higher for higher balances);
- Free ATM access at over 35,000 locations nationwide;
- Free MasterCard Debit card;
- Send money securely for free with Electric Checks;
- Free bill pay;
- Free online banking;
- Fully integrated with other ING Direct accounts, and easily integrated with your current bank accounts;
- FDIC insured.
Time to say goodbye to your old bank, and join ING Direct. Apply now at:
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Photo Credits: catatronic (cc)
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