Garmin Nuvi 1450

Garmin Nuvi 1450

Monday, August 5, 2013

The Ultimate Credit Report Loophole:

“The Ultimate Credit Report Loophole”, is an AMAZING secret legal “loop hole” which can make your Credit Report File or DMV Record SPOTLESS In 15 minutes.AND the process to rebuild and improve credit score is 100% Guaranteed and COMPLETELY FREE!!


“The Ultimate Credit Report Loophole system” has NOTHING to do with CPN’s (Credit Profile/Privacy Numbers) Or TIN’s or EIN’s. Also, you can change your name OR leave it the same! This secret Legal Loophole is completely different from anything else!


It is NOT one of the hundreds of credit repair/rebuild programs that make you fight tooth and nail with the credit bureaus to painstakingly dispute one blemish at a time…that is a process that can take months or even years!


Unlike anyone else, “The Ultimate Credit Report Loophole” shows you the exact step-by-step process of how to improve credit score by creating a new SPOTLESS profile for yourself within the credit bureau or DMV computer system.., This CAN be done and it works Instantly!


Celebrities often use the techniques of “The Ultimate Credit Report Loophole” so they can travel incognito. Wealthy people also use these “top secret” techniques to protect certain assets and businesses from the public eye.


You’ll be blown away by the ease and simplicity of initiating this process to improve credit score. It is LITERALLY as easy as walking into an office in your local area and handing them a special form…AT NO COST, or just clicking your mouse a few times on the right website!


“The Ultimate Credit Report Loophole” is offering YOU this AMAZING secret knowledge of how to bring your financial life back to track in a concise and easy to read eBook so YOU have complete control over your credit and driving…



The Ultimate Credit Report Loophole:

Saturday, August 3, 2013

Simple. Thrifty. Living.: Just Graduated? Don't Make the Same Financial Mistakes I Did

Congratulations, graduates! You’ve finished school and now you get to join the real world with the rest of us. It’s nice here in the real world. You get to make your own decisions. You get to pick your destiny. And, best of all, you get to spend your money any way you want. Just be careful with that freedom; it can come back to bite you in the ass.


When I first graduated and got a job, I admittedly was not very smart with my money. I applied for too many credit cards. I spent money like it was useless paper. I basically got in over my head. But because I’m a nice guy, I don’t want to see the same thing happen to all of you. Since I now run a financial website and know a lot more about how money and credit work, I decided to put together some tips that I wish I knew when I started my first job. Hopefully they help you make better financial decisions than I did.


Set Up a Budget: This is the most important part of starting your first full-time job. You’ll probably be making more money then you’ve made in your life before, and your first instinct is going to be to spend that extra income. That’s what I did. Before you blow all of your first paycheck in one place, set up a budget of what your monthly bills are. You will probably be in a brand new apartment with energy bills, cable bills, water bills and others that you will need to pay each month. You also won’t be living off of dorm food and meal plans anymore, so you’ll need to make a food budget. Also, start putting some money aside for a rainy day; you’ll need it for grown-up, responsible things like getting your car fixed or paying for a down payment on a mortgage. After all of those bills are figured out, then you can use what’s left to go a little wild.


Pay Off Your Debts: Once you have a plan for your finances, it’s time to start taking care of your debts. I’m not talking about paying off your entire student loan balance, but just taking care any credit card debt you may have accumulated during college. I used several credit cards in college to not only pay for my tuition, but also beer for the weekends. When I left school, I was swimming in credit card debt. Instead of working to pay it off, I paid the minimum balance each month to get the lenders off my back. This means that I kept adding on over-limit fees and interest to my balance, and before I knew it, I was completely in debt. If you can get ahead of your debt and pay down your balances to avoid fees and interest, do it.


Get a Credit Card: Part of my problem was that I didn’t know how to properly use a credit card. If you don’t have a credit card yet, it is time to get one and figure out how to use it. Many college students get credit cards and see them as an extra source of income, but that is not how you should properly use a credit card. Think of a credit card as a 30-day loan that you must pay off at the end of each month. This will help you reap the rewards from your credit card (like rewards points or a higher credit score) without getting hit with penalty fees or huge interest rates. If it is your first credit card, it might be a good idea to start with a student credit card that has a low APR and gives you rewards points. If you can’t qualify for a student card, try getting a secured credit card. These cards usually have a low balance and a high sign-up fee (usually equal to your credit limit), but they report to the three credit bureaus and will help you improve your credit score so you can qualify for better credit cards later.


Start a 401K: Depending on what kind of job you get, your employer will probably offer you a 401K plan. Sign up for this as soon as you possibly can. I waited until I was almost 30 before I set up my 401K, and when I crunched the numbers of how much I would save by the time I retired, I realized I was very late starting my savings. Do research on your company’s 401K, and if they have a matching program, you would have to be an idiot not to get involved, since that is free money your company is giving you. Even if your company doesn’t offer a 401K program, start your own IRA and start contributing a part of your paycheck to it every month. Some IRAs even let you contribute pre-tax, which will save you money in the end.


Know Your Credit Score: This is the biggest thing I wish I knew. Credit reports and scores are like the best kept secret until you apply for your first credit card or apartment. I had no idea what a credit score was, but quickly found out that mine was ruined when I got turned down for an apartment. Most people don’t even think of checking their credit score until they are applying for credit cards or loans. But knowing your credit score ahead of time will give you time to improve it before you need to make any major purchases. Everyone is entitled to a free credit report from each of the credit bureaus once a year, so make sure to take advantage of that. If you need to improve your credit score and want to keep tabs on it, you can sign up for a credit report monitoring service to watch the progress of your score. If you need help building your credit score, try these tips.


This might sound like a lot, but following these tips can actually reduce the stress on your life and make you much happier in the future. Trust me, I wish someone had told me this when I first started out in the real world. Happy Graduation!


- Jack Ryder, Simple. Thrifty. Living.


#taboola-autosized-1r-organic


View the Original article



Simple. Thrifty. Living.: Just Graduated? Don't Make the Same Financial Mistakes I Did

Terri Ludwig: Let's Not Make Things Worse for Young Adults

Even before a student loan rate hike, young adults face a perfect storm of economic crises


Unless lawmakers act, interest rates on new federal student loans will double starting Monday, adding to the already-onerous cost of attending college in the U.S. Letting that happen would be a mistake–for reasons that go far beyond higher education.


Among other things, the rate hike would deepen the economic crisis facing America’s younger generation: a perfect storm of unmanageable debt, high unemployment and skyrocketing housing costs.


Student loan debt has nearly quadrupled over the past decade, mostly on the backs of our young adults. According to the Federal Reserve Bank of New York, the share of 25-year-olds with student debt has increased from 25 percent in 2003 to 43 percent last year, while their average loan balance grew by more than 90 percent over the same period.


This mounting debt wouldn’t be much of a concern if incomes were rising at a similar clip, but the opposite has been happening. Average earnings for young college grads have fallen by more than 15 percent since 2000. More than 10 million young adults are either unemployed or underemployed today, as recent graduates are having trouble finding jobs that match their credentials.


The result is a growing class of lower-income, highly indebted grads. Today 40 percent of households with student loans earn less than $37,000 a year, according to the Pew Research Center. And the clear majority of these households are renters, where they face yet another crisis.


America’s renters have seen their housing costs soar in recent years as their average incomes decreased, causing a broad affordability crisis. According to the National Housing Conference, the typical moderate-income renter now spends 55 percent of their pre-tax income on housing and transportation alone, a marked increase from a decade earlier. And if they have student loans, those payments take up another 6 percent of their income, according to analysts at Harvard.


Think about that for a moment. Even if you’re making $37,000 a year–which is actually less than $30,000 after federal, state and local taxes–you’re left with just $220 a week to cover groceries, healthcare, medicine, clothing and other life essentials. And that number shrinks considerably in high-cost markets like New York and Los Angeles, where rents are rising at astronomical rates.


So it shouldn’t be any surprise that mounting debt is altering the spending habits and life choices of younger adults, with profound consequences for the broader economy. Research shows that debt-saddled grads are less likely to go off on their own, instead opting to move back in with their parents or double up with friends or family. Twenty-five-year-olds with student debt are less likely to buy cars than their debt-free counterparts. And indebted 30-year-olds are less likely to purchase their first home, a key buyer demographic for a well-functioning housing market.


Now let’s fast forward to July 1, when the interest rate hike is set to kick in. The typical new borrower will see their costs go up by $1,000 for each year of college over the life of the loan, or about $30 per month on a 10-year loan for four-year degree. To well-off families that’s a minor inconvenience; to others it’s the difference between groceries and medicine, between making rent and losing your home.


America’s young adults face a treacherous road ahead, and it’s clear that student loans are exacerbating the problem. Lawmakers in Washington should be careful not to make matters worse.


#taboola-autosized-1r-organic


View the Original article



Terri Ludwig: Let's Not Make Things Worse for Young Adults

John Engler: Community Colleges We Need

With interest rates on some student loans set to double, millions of students and families across the nation may be forced to re-consider whether it is worth taking on even more debt to finance a college education. While the data are clear — it is much better to have a college degree than not — it is also true that not all valuable degrees need to put families into serious debt. Many community colleges today prove that value can be had at a reasonable price.


Our nation’s 1,200 community colleges educate 13 million students — including the majority of college freshmen and sophomores. These schools are growing much faster than the four-year college sector. They also serve as a central point of access for the rapidly growing populations of minority students. And according to a recent study by Sallie Mae, two-year colleges are becoming an increasingly popular choice for upper middle-class students too.


We serve together as co-chairs of the biennial Aspen Prize for Community College Excellence, which reveals what a great bargain community colleges can be for students and our country. The Aspen Prize process involves an in-depth investigation of the outcomes, contexts, and practices of the nation’s community colleges. After two years of awarding the Aspen Prize, we have learned of innovative approaches that colleges are taking to increase academic rigor, measure and improve students’ learning, support low-income and minority students, build partnerships with K-12 schools and four-year institutions and create strong ties with local industries that rely on well-prepared community college graduates.


For example, Santa Barbara City College, one of the 2013 Aspen Prize co-winners , does not see its mission as simply granting associate’s degrees. Professors there push students, many of whom are minorities and might otherwise face low expectations, to aspire to a bachelor’s degree.


They teach their classes to the standards of California’s four-year state universities, explicitly aligning curricula and extensive support services for students to succeed at institutions like nearby UC Santa Barbara. With success! The college has increased the share of full-time students who transfer to four-year schools to 57 percent — an exceptionally high rate.


At Walla Walla Community College, the other 2013 Aspen Prize co-winner, college leaders continually revamp programs so that students’ education meet the demands of jobs available in the region’s economy. And when the region struggles and there aren’t enough jobs, college leaders help to create them. In the last decade they founded a winemaking program, which helped jumpstart the local tourist economy. The college has become a national leader in programs ranging from wind energy to nursing to tractor maintenance. As a result, new graduates from Walla Walla earn wages that average 80 percent higher than those of other new hires in the region.


In the end, all of this smart and hard work translates into students at Walla Walla and Santa Barbara receiving great value at an affordable price – ranging roughly from $1,400 to $4,000 per year for tuition. For families facing the prospect of doubling interest rates, those prices are pretty appealing.


But price is only part of what matters to students and families. While community colleges have received well deserved praise for providing broad access at an affordable price, institutions themselves achieve widely variable outcomes. If more community colleges are to meet their potential, they need to not only be affordable, but emulate those things that exceptional colleges do to ensure that students complete the credentials required to find good jobs with good wages.


Most of the practices and policies at these highly successful community colleges cost relatively little money. In fact, the Aspen finalist colleges have made great progress even as states have cut funding for higher education. This is an encouraging finding, because it suggests that many of our colleges nationwide can also achieve these successes without waiting for a rebound in state spending that may never come.


We have witnessed and believe in the potential of America’s community colleges to deliver on the dreams that the millions of students will bring with them to campus this fall. But as we face rising college costs, there is more to be done to make sure that their investments pay off in the classroom and in the labor market.


#taboola-autosized-1r-organic


View the Original article



John Engler: Community Colleges We Need

Bob Hildreth: Whistling Past the Graveyard on Student Debt

People tend to become defensive just before a debt crisis explodes. Those with the most to lose want to postpone the inevitable. Student debt is nearing this critical stage. Despite the claims of colleges and the government, there is plenty to worry about.


Our higher education system is financially dependent on student loans. Examine the table below, which compares student loan tuition payments at various Massachusetts schools. None of these institutions could survive without the money that flows from loans. Private, not-for-profit colleges and universities receive upwards of 40 percent of their tuition revenues when the government wires cash into their accounts — money students must repay. Even worse, public colleges are dependent on government loan payments for more than half of their tuition and fees.


View the Original article



Bob Hildreth: Whistling Past the Graveyard on Student Debt

Jim T. Miller: Debt Counseling Programs Can Help Seniors with Financial Problems

Dear Savvy Senior:


What resources can you recommend to help seniors with financial problems? I hate to admit it, but I’ve fallen behind on my house payments and have accumulated quite a bit of credit card debt over the past few years. Where can we get help?


– In debt At 70


Dear In debt:


There are actually a number of free and low-cost resources available today that can help seniors who are struggling with credit card and/or mortgage debt. Here’s where you can turn to for help.


Credit Counseling
To help you get a handle on your credit card debt, a good place to start is at a credit-counseling agency. These are non-profit agencies that offer free financial education and advice on how to handle financial problems.


And if your debt is significant, they can set you up in a debt-management plan (DMP) that allows a counselor to negotiate with your creditors to lower your interest rates and eliminate any late fees and other penalties. The agency will then act as a consolidator, grouping your debts together into one payment that you would make, and distributes those funds to your creditors. Most agencies charge a one-time $30 set-up fee and a monthly maintenance fee of around $20 for a DMP.


To locate a credible agency in your area, use the National Foundation for Credit Counseling website at debtadvice.org or call 800-388-2227.


Do not use a for-profit debt settlement company that claims to settle all your debt, or cut it in half for a fee without counseling. Most of these companies use deceptive practices and will only leave you more in debt then you already are.


Foreclosure Help
If you have fallen behind on your mortgage payments, or if you have already received a letter or phone call about missed payments, you should contact your lender immediately to explain your situation and see if you can work out a payment plan. Be prepared to provide your financial information, such as your monthly income and expenses.


You can also get help from a housing foreclosure avoidance counselor. These are HUD-approved, trained counselors that will work with you, examining your financial situation, and offer guidance on how best to avoid default or foreclosure. They can also represent you in negotiations with your lender if you need them to.


To find a government-approved housing counseling agency in your area, use the National Foundation for Credit Counseling website or phone number previously listed. Or for a larger selection of housing counseling options, see the Department of Housing and Urban Development or call 800-569-4287.


Another helpful resource you should know about, and one your counselor can help you explore, is the Making Home Affordable program. Created by the Obama Administration in 2009, this program offers struggling homeowners the opportunity to modify or refinance their mortgage to make their monthly payments more affordable.


It also includes the Home Affordable Foreclosure Alternatives Program for those who are interested in a short sale or deed-in-lieu of foreclosure. To learn more about these programs and their eligibility requirements see makinghomeaffordable.gov or call the Homeownership Preservation Foundation’s HOPE Hotline at 888-995-4673.


Financial Assistance
You also need to make sure you’re not missing out on any financial assistance programs. The National Council on Aging’s website (benefitscheckup.org) contains a database of more than 2,000 federal, state and local programs that can help seniors with prescription drug costs, health care, food, utilities, and other basic needs. The site will help you locate programs that you may be eligible for and will show you how to apply.


Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.


#taboola-autosized-1r-organic


View the Original article



Jim T. Miller: Debt Counseling Programs Can Help Seniors with Financial Problems

Carrie Smith: 3 Lessons I Learned After Being Debt-Free for One Year

During my debt-free journey I learned a lot — about myself, handling my finances and seeing a goal through to the end. But I think the biggest thing I learned was how strange life would be after debt.


My experience this past year has been similar to my experience of paying down debt, in that it takes a lot of discipline, and out-of-the-box type of thinking.


Being in debt is a normalcy in this society, so getting — and staying — out of debt is a crazy new thing altogether. You’re definitely going against the grain on this path.


So has it been worth it? What lessons have I learned after being debt-free for one year?


1. Sacrifice is Empowering


After working multiple jobs, starting a freelance business and sludging through a day job that I really disliked, I came out on the other end a winner. The rewards to being debt-free are obvious — more money, inner peace and financial freedom.


And the intangible benefits too! The biggest advantage to sacrificing and completing your goal is that you followed through and can now reap the rewards of your journey.


Now anytime I face a difficult financial problem or life choice, I think back to when I had debt and know that I can accomplish anything that’s thrown my way!


2. Financial Freedom is Boring


Before I paid off all my debt, my decisions consisted of multiple questions and complicated strategies.


- Which bills should I pay first?


- Which one has the highest interest rate?


- Should I take this vacation or use the money towards debt?


The list goes on. But now, my decisions are much simpler. I pay my bills, put money into savings and investing, then use whatever funds are left for entertainment or other financial goals.


Once you’re out of debt, the decision making process is rather boring. There aren’t any complicated financial spreadsheets (like tracking debt snowballs or debt avalanches). There’s just simply living within your means.


It’s an awesome perk in my opinion! But if you’re someone who likes living on the edge, you’ll find that having full control of your finances, may not be quite as exciting as you’d think.


Slow and steady wins the race, and in a world of endless promotions and crazy financial endeavours, the road to financial freedom is simple and boring.


3. Going Into Debt (Again) is EASY


Like I mentioned, life after debt can be daunting. When everything around you is tempting you to spend more, it’s hard to constantly say no.


This is especially true once you have all your debts paid and the creditors are all but knocking down your door with new credit card offers and incentives. It’s ridiculous how easy it is to charge a few purchases on credit and end up in a couple hundred or thousand dollars of debt again.


Even when you have the discipline to get out of debt, you have to remain disciplined to stay out of it. Just because you paid everything off doesn’t mean you don’t still have the urge to spend or buy new things!


This content is property of Careful Cents and originally appeared here.


 

Follow Carrie Smith on Twitter:www.twitter.com/


View the Original article



Carrie Smith: 3 Lessons I Learned After Being Debt-Free for One Year