If Time Equals Money You Better Know How To Uncheck A Box

The names of two very famous magazines are front and center on the racks of grocery and book stores all across the country.  Those two names are Time Magazine and Money Magazine.   As I’ve learned over the years, time and money are two really interchangeable parts and it is usually tough to have to both at the same time.   In a famous Eagles song they sing, “You can spend all of your time making money, or spend all of your money making time”. With the proliferation of the internet, we are often encouraged to sign up for services with different companies on line that are supposed to offer us services or deals that can save us time or money.  These range from our MP3 players to coupon sites to the colleges we attended. If you are like me, many days I open my e-mail and wonder how I got on the newsletter list which sits in my e-mail box that ...

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Should You Use A Debt Relief Program

Over the past several months, we have received request from many of our subscribers to get some information about the various debt relief programs that advertise on television and the internet. Since some of these programs can be scams and some are legitimate, it is important you take the appropriate steps to find the right program just for you. Here are some thoughts on choosing a program that may be right for you. 1) What solutions does the company provide? Different companies or non-profits are skilled a various debt relief/settlement programs. You need to consider the size of debt you are trying to negotiate down and what type of debt you are looking to reduce overall.  Recognize that many of the credit card companies won’t even talk with you while you are still on the preverbal stationary bicycle still making minimum monthly payments.  Some companies do debt consolidation, some debt negotiation/settlement, and some will deal with IRS debt as well. ...

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What If I Need A Cash Advance?

It is never fun being behind on paying your bills.  With more and more people living paycheck to paycheck, we often get the question, “what happens if I need money in a pinch?”   That question can spur many different responses based upon your individual financial situation, but what happens if you have to look for some sort of cash advance to hold you over until the next paycheck.   Obviously, you want to exhaust all of your options before you go for the cash advance.  We don’t recommend cashing out of retirement plans like your 401(k) as many people will when they look for cash as the taxes, penalties, and loss of compounded interest on your money could be detrimental to your long term retirement plans.  I need a Cash Advance – So, what to do? There are many companies that offer these types of programs to get a small loan between $100 and $1,500.  For example, companies like CashNetUSA are ...

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Paying Too Much For Car Insurance?

How to Save Money on Your Auto Insurance You may have good reason to complain about the cost of your auto insurance, but have you tried to do anything about it? If you're resourceful and willing to do a little homework, there may be plenty of ways to lower your premium. And we're not necessarily talking chump change--a few simple steps can sometimes save you hundreds of dollars a year. ...

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