Tag Archives: debt

Via breibart: SOME CONSUMERS WILL SEE CREDIT SCORES JUMP, STARTING THIS MONTH

13 Apr

Via @wearebreitbartCredit scores for some consumers will jump by as much as 30 percent, starting this month, due to changes in how credit companies report consumer debt and payment history.
The new reporting standards, set to kick in on April 16, the day before Tax Day this year, will require all three major credit reporting companies to exclude tax liens from credit reports, thereby improving credit scores, CNBC reported.

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US Marshals arresting people for not paying their federal student loans – Story | KRIV

17 Feb

Believe it or not, the US Marshals Service in Houston is arresting people for not paying their outstanding federal student loans.

Source: US Marshals arresting people for not paying their federal student loans – Story | KRIV

Real Money, Fiat, Currency…

29 Aug

choose Silver-Eagle-Sales

I don’t want you to trust me or these nifty images folks.

I want you to go out and learn finance.  Study the history of currency, gold, silver, banking, commerce everything.  There is a wealth of knowledge out there and you can build your financial wisdom up to a point where you can greatly influence how and where every dollar you make goes. Invest, hedge against inflation with numismatics, or maybe silver bullion. heck! Go buy some copper if you feel the need.  Just be aware of what others consider real money, what a fiat currency is, and what could happen to your retirement fund, and savings aka LOOT.

Not interested?  Fine.  But a little due diligence never hurt anyone right?  The talking heads on television don’t care so you should.

#thriveorsurvive.

Finance

Finance (Photo credit: Tax Credits)

No one goes to the Olympics for silver.

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Infographic: Student Debt… (Via Bing)

15 Jul

And people wonder why Gentlemen such as myself say education on a collegiate level or more advanced in basically slavery…

#thriveorsurvive.

No one goes to the Olympics for silver.

Thoughts? Concerns?
Questions? Think I’m wrong?
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Need ideas?
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Tony@Changeinadvance.com
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Or simply reply to this article.

#thriveorsurvive

INFOGRAPHIC: The Dow Today Versus The Dow In 2007

12 Mar

dow jones infographic

 

#thriveorsurvive.

“Don’t wait. The time will never be just right” –Napoleon Hill

Thoughts? Concerns?
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Need ideas?
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The Top Five Money Saving Myths Guest Post From The Esteemed Corey Woods

26 Jan

Here are the top five money saving myths that we fall for:

1. Savings accounts save us money

Having money in a savings account for emergencies is a good idea. It’s easy to get to, but not too easy. But if you are looking to save money or make your money work for you, an old-fashioned savings account isn’t necessarily the best way to go. First, you have to look at what you are paying out in interest rates. For example, if you have a student loan with a 5% interest rate and a savings account making 3% interest rate, your savings are costing you approximately 2%. You would be better off paying off that student loan with your savings account.

It goes the other way around too. If your debt has less of an interest rate than your savings, your money is working better in the savings. But with today’s interest rates being so low, your debt is probably higher than the amount of interest you are earning on your savings account. That means you are actually losing money.

2. Sales shopping saves money

I used to be a shopaholic, and sales were my drug of choice. Let me tell you that you aren’t always saving money. Yes, if you really needed the item, then you are saving money. But sales often lead to the purchase of items that normally wouldn’t be purchased. And you usually buy twice as much because it’s on sale. So you haven’t saved any money.

Then if you never use the item, you’ve actually wasted money. This can also apply to bargain shopping and shopping in bulk. It doesn’t matter if you bought your daughter 35 pairs of shoes at garage sales for $1 each. If she only wore two pairs of them, you just wasted $33.

3. Refinancing your home pays off

When you refinance your home, you aren’t necessarily saving that much money in the long run. Yes, your monthly payments are smaller, but you have refinanced for another 30-year term. This means that if you have already paid 10 years of mortgage, then refinance for another 30, you have basically extended your loan to a 40-year mortgage. Sit and do the math and you’ll see if you are really saving anything.
If you really want to save money, refinance for a lower rate and a shorter term. Your monthly payment may not go down, but your overall repayment may.

4. Zero percent interest saves money

When you take out a card with a zero percent repayment term, you aren’t saving money. You are just delaying paying for items. You don’t save and you don’t spend more. But if you don’t pay the money back within the zero percent period, you’ll be paying interest on those items. That costs you money.

5. Savings is dependent on income

No matter how much you make, you can save money. You simply have to spend less than you make. If you make more money and spend more money, you aren’t saving anything. In fact, you could even be spending more. Don’t wait until you have more money to start saving. You have to start now.

“To be you, be true.”-Corey Woods

Scholarships List aka Free Money

16 Jan

If you know me then you know that I am all about education and self improvement. Every year companies donate millions of dollars to scholarship funds for African American students and every year
millions of dollars are returned because of the lack of interest.

I am going to pass on information to you for your children, the
information I pass on will be the same information I am looking into
for my own daughter. Show some interest in your children future
because if you don’t then the streets and police will!

(If clicking on the link doesn’t work, copy and paste the URL in your
web browser.)

1) BELL LABS FELLOWSHIPS FOR UNDER REPRESENTED MINORITIES
http://www.bell-labs.com/fellowships/CRFP/info.html
2) Student Inventors Scholarships
http://www.invent.org/collegiate/
3) Student Video Scholarships
http://www.christophers.org/vidcon2k.html
4) Coca-Cola Two Year College Scholarships
http://www.coca-colaschola/rs.org/programs.html
5) Holocaust Remembrance Scholarships
http://holocaust.hklaw.com/
6) Ayn Rand Essay Scholarships
http://www.aynrand.org/contests/
7) Brand Essay Competition
http://www.instituteforbrandleadership.org/IBLEssayContest-2002Rules.htm
8) Gates Millennium Scholarships (major)
http://www.gmsp.org/nominationmaterials/read.dbm?ID=12
9) Xerox Scholarships for Students
http://www2.xerox.com/go/xrx/about_xerox/about_xerox_detail.jsp
10) Sports Scholarships and Internships
http://www.ncaa.org/about/scholarships.html

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
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Tony@Changeinadvance.com
@changeinadvance
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Or simply reply to this article.

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