Relax... Take a deep breath... And click here to read Dave Ramsey's take on the situation. I promise you, you'll feel much better after you do.
Make it a great day!
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Showing posts with label Financial. Show all posts
Showing posts with label Financial. Show all posts
Monday, September 29, 2008
Freaked Out Because Of The Failed Bailout Plan Today?
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Labels: Dave Ramsey, Financial, Helpful Tips, Inspiring, Money Matters, Money Tips, Tips For Better Living
Labels: Dave Ramsey, Financial, Helpful Tips, Inspiring, Money Matters, Money Tips, Tips For Better Living
Sunday, August 24, 2008
Get Your Credit Score Free With No Strings Attached
This morning, I caught a segment on the morning news by Clark Howard, who is a financial advisor/consumer watchdog/radio personality type who lives here in Atlanta. He can be annoying sometimes, but I respect his opinions/suggestions because he's always on the lookout for ways to help people save money and avoid getting ripped off.
His segment this morning was about obtaining your credit score. You've probably seen the numerous ads on tv and the Internet regarding getting your credit score and report for free. The problem with almost all of these offers is they all come with a catch. Most make you sign up for their credit monitoring service. For instance, I love the commercials for FreeCreditReport.com. You've probably seen this one:
It's funny, catchy and extremely memorable and effective. And, while the service does give you your free credit report, it also, and I quote from the site,
"When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 7-day trial period**, you will be billed $14.95 for each month that you continue your membership."
That's the part that I don't like about these types of offers. So many people sign up and think they're going to cancel, only to realize 6 months later they never did and have now paid almost $90 for the opportunity to see THEIR OWN credit report. Shouldn't you be able to see this at any time for free? After all, it is YOUR credit report.
Ok, back to the Clark Howard report. He mentioned the following site: www.Quizzle.com. It is owned by Quicken, so you can feel safe that it's not a fly-by-night scam. And, it's completely free with no catch. All you do is fill out a short form and once registered, you can view your credit report, your home's current valuation and a condensed version of your entire credit report. And, the site offers a ton of valuable calculators and sections to help you understand your report as well as your current financial situation. And again, there's no catch. It's completely free.
So, there you have it. While the above commercial is memorable, it's no wonder there's a catch for their service. There has to be because they've got to make a ton of money to pay for all those funny commercials.
Until later, make it a great day!
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His segment this morning was about obtaining your credit score. You've probably seen the numerous ads on tv and the Internet regarding getting your credit score and report for free. The problem with almost all of these offers is they all come with a catch. Most make you sign up for their credit monitoring service. For instance, I love the commercials for FreeCreditReport.com. You've probably seen this one:
It's funny, catchy and extremely memorable and effective. And, while the service does give you your free credit report, it also, and I quote from the site,
"When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 7-day trial period**, you will be billed $14.95 for each month that you continue your membership."
That's the part that I don't like about these types of offers. So many people sign up and think they're going to cancel, only to realize 6 months later they never did and have now paid almost $90 for the opportunity to see THEIR OWN credit report. Shouldn't you be able to see this at any time for free? After all, it is YOUR credit report.
Ok, back to the Clark Howard report. He mentioned the following site: www.Quizzle.com. It is owned by Quicken, so you can feel safe that it's not a fly-by-night scam. And, it's completely free with no catch. All you do is fill out a short form and once registered, you can view your credit report, your home's current valuation and a condensed version of your entire credit report. And, the site offers a ton of valuable calculators and sections to help you understand your report as well as your current financial situation. And again, there's no catch. It's completely free.
So, there you have it. While the above commercial is memorable, it's no wonder there's a catch for their service. There has to be because they've got to make a ton of money to pay for all those funny commercials.
Until later, make it a great day!
Sign up to be notified when a new post has been added to PositivePelham.com
Forward this to a Friend
Wednesday, February 14, 2007
America's Top 50 Salaries
From MSN.com -- Ever wondered how much money the doctor down the street makes? How about the accountant or the insurance salesman? MSN.com released this article detailing the average salaries for America's Top 50 highest-paying jobs. Most are not surprising, but I had no idea the average air traffic controller made over 105K a year, but I'm glad they do. I don't think I want someone only making $25,000 a year directing the pilot of an airplane I'm on.... Here is the list:
1. Surgeons -- $177,690
2. Anesthesiologists -- $174,240
3. Obstetricians and Gynecologists -- $171,810
4. Orthodontists -- $163,410
5. Oral and Maxillofacial Surgeons -- $160,660
6. Internists, General -- $156,550
7. Psychiatrists -- $146,150
8. Prosthodontists -- $146,080
9. Family and General Practitioners -- $140,370
10. Chief Executives -- $139,810
11. Pediatricians, General -- $139,230
12. Airline Pilots, Copilots, and Flight Engineers -- $135,040
13. Dentists, General -- $133,680
14. Podiatrists -- $111,250
15. Lawyers -- $110,520
16. Air Traffic Controllers -- $105,820
17. Engineering Managers -- $105,470
18. Computer and Information Systems Managers -- $102,360
19. Marketing Managers -- $101,990
20. Astronomers -- $101,360
21. Natural Sciences Managers -- $99,140
22. Sales Managers -- $98,510
23. Petroleum Engineers -- $97,350
24. Financial Managers -- $96,620
25. Law Teachers, Postsecondary -- $95,570
26. Optometrists -- $95,500
27. General and Operations Managers -- $95,470
28. Computer and Information Scientists, Research -- $94,030
29. Judges, Magistrate Judges, and Magistrates -- $91,500
30. Physicists -- $91,480
31. Actuaries -- $90,760
32. Nuclear Engineers -- $90,690
33. Industrial-Organizational Psychologists -- $89,980
34. Human Resources Managers -- $89,950
35. Pharmacists -- $88,650
36. Securities, Commodities, and Financial Services Sales Agents -- $87,990
37. Health Diagnosing and Treating Practitioners -- $87,630
38. Computer Hardware Engineers -- $87,170
39. Public Relations Managers -- $85,820
40. Aerospace Engineers -- $85,450
41. Political Scientists -- $84,820
42. Physical Scientists -- $84,380
43. Computer Software Engineers, Systems Software -- $84,310
44. Personal Financial Advisors -- $82,970
45. Health Specialties Teachers, Postsecondary -- $82,450
46. Chiropractors -- $82,060
47. Industrial Production Managers -- $81,960
48. Construction Managers -- $81,760
49. Purchasing Managers -- $81,440
50. Advertising and Promotions Managers -- $81,250
Good luck today and make it a great one!
1. Surgeons -- $177,690
2. Anesthesiologists -- $174,240
3. Obstetricians and Gynecologists -- $171,810
4. Orthodontists -- $163,410
5. Oral and Maxillofacial Surgeons -- $160,660
6. Internists, General -- $156,550
7. Psychiatrists -- $146,150
8. Prosthodontists -- $146,080
9. Family and General Practitioners -- $140,370
10. Chief Executives -- $139,810
11. Pediatricians, General -- $139,230
12. Airline Pilots, Copilots, and Flight Engineers -- $135,040
13. Dentists, General -- $133,680
14. Podiatrists -- $111,250
15. Lawyers -- $110,520
16. Air Traffic Controllers -- $105,820
17. Engineering Managers -- $105,470
18. Computer and Information Systems Managers -- $102,360
19. Marketing Managers -- $101,990
20. Astronomers -- $101,360
21. Natural Sciences Managers -- $99,140
22. Sales Managers -- $98,510
23. Petroleum Engineers -- $97,350
24. Financial Managers -- $96,620
25. Law Teachers, Postsecondary -- $95,570
26. Optometrists -- $95,500
27. General and Operations Managers -- $95,470
28. Computer and Information Scientists, Research -- $94,030
29. Judges, Magistrate Judges, and Magistrates -- $91,500
30. Physicists -- $91,480
31. Actuaries -- $90,760
32. Nuclear Engineers -- $90,690
33. Industrial-Organizational Psychologists -- $89,980
34. Human Resources Managers -- $89,950
35. Pharmacists -- $88,650
36. Securities, Commodities, and Financial Services Sales Agents -- $87,990
37. Health Diagnosing and Treating Practitioners -- $87,630
38. Computer Hardware Engineers -- $87,170
39. Public Relations Managers -- $85,820
40. Aerospace Engineers -- $85,450
41. Political Scientists -- $84,820
42. Physical Scientists -- $84,380
43. Computer Software Engineers, Systems Software -- $84,310
44. Personal Financial Advisors -- $82,970
45. Health Specialties Teachers, Postsecondary -- $82,450
46. Chiropractors -- $82,060
47. Industrial Production Managers -- $81,960
48. Construction Managers -- $81,760
49. Purchasing Managers -- $81,440
50. Advertising and Promotions Managers -- $81,250
Good luck today and make it a great one!
Thursday, January 04, 2007
How To Save Money On A Limited Budget
HappyNews.com has a great section on their website featuring Money Tips. The one I am focusing on today is "How to Save Money on a Limited Budget". Some of the tips they offer are:
- First and foremost, if your company has a 401K and you are not participating because you think you can't afford to, do it right now. A 401K is the best vehicle available to painlessly save money because it is taken out before taxes on your check.
- Save money for a specific goal - If you want to go on a specific vacation or want to buy something special, start saving a dollar or your change everyday. At the end of the year, you'll be surprised how much you've saved
- Cut out eating out. Some of us do not like to bring our lunch to work (I admit, I hate it. I need the time away from the office) But, if you find yourself eating out for dinner at a nice restaurant more than once a week, consider putting the money you would have used for the dinner into savings instead. And, if you can bring your lunch, you could potentially save an extra $100 a month minimum. That doesn't sound like much, but consider this. I'm 36 years old. $1,200 invested a year in an IRA earning an annual return of 9% would grow to $162,369 by the time I'm 65. Consider how much more that would be with more invested. And, this is just investing money that you normally are just throwing away....
- Lastly, they recommend cutting up all credit cards but one and only use your one for emergencies. However, one point they make that is important is this: If you are paying 17% interest on a credit card with a large balance, put the extra money towards paying off the card rather than into a savings account. Putting money into a savings account earning 1 or 2% while still paying 17% interest isn't getting you anywhere. Paying off high interest cards is the same as saving money.
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