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Capital One - Aspire Travel™ World MasterCard®
I'm pleased to announce that we've added a powerful new credit card to our Capital One collection . This card is called the Aspire™ World MasterCard®.
Consumers are expecting a great deal from their credit cards these days. They want to collect a lot of rewards points. Introducing Capital One's Aspire Travel™ World MasterCard®. This card gives more points for every purchase than other Canadian credit cards.
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The card is categorized through rewards collection area.
WHO BENEFITS MOST? - CONVENIENCE USERS
The individuals who use their card as a payment tool would benefit much from this card. The convenience user use their card and seldom pays in cash. These users like the convenience of a centralized purchase system. Most importantly, they pay off their credit cards in full each month.
HOW MANY POINTS ARE COLLECTED? - 2 FOR $1
This is a great card because it collects the most points available, on ALL PURCHASES!! For every $1 you spent on purchasing goods or services, you will collect 2 points. As a matter of fact, if you purchase an average of $2300 each month using this card, you will collect 62,500 points in the first year!!
You can collect 2 points for every $1 spent on Gas, Groceries, and any other type of purchase. Best of all, there is no cut off dates like other cards.
The key major features of this card are:
• Earn more reward miles – on everything you buy!
• Earn 2 reward miles for every $1 – on all purchases
• Get 35,000 bonus reward miles with your first purchase
• Get 10,000 anniversary bonus reward miles every year
Please Note: A requirement of this card is a minimum personal income of $60,000 or household income of $100,000.
35,000 & 10,000 BONUS POINTS
Capital One gives you an initial points of 35,000 on your first purchase. This will give you a head start on your points collection goals.
Another 10,000 anniversary bonus points will be given when you have this card. These means that the annual fee can almost be waived when you redeemed the reward points.
THE ASPIRE WORLD PAYS FOR MORE OF YOUR TRAVEL!!
One of the things I like about this card, it pays more of your travel costs. I've been frustrated with some travel cards as they don't pay for the full amount of the travel ticket. They don't cover the pay for the taxes and airport fees of the airline ticket.
THIS IS HOW POINT REDEMPTION WORKS
The system of point redemption is very easy. All you have to do is to purchase your travel ticket first, then get your statement, next is to contact Capital One and tell them that you would like to cash in your points on the purchase that shows up on the statement of account. That is so simple.
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Example:
Your statement will show a purchase of XYZ Airlines - Amount: $529.95... this amount will include the taxes and airport fees. This whole amount will be covered if you have collected 53000 points.
Upon your request to Capital One, they will put a credit of $529.95 on your statement. (Assuming you have saved enough points to cover the ticket fee) It's as simple as that I like the way this works.
ACT NOW!
Do you want to get the most rewards points possible for every dollar you spent? It's time for you to apply for the Aspire World MasterCard from Capital One.
See Also
Best Credit Cards Canada
Best Cash Back Credit Cards Canada
Best Capital One Credit Cards Canada
Best MasterCard Credit Cards Canada
Best MBNA Credit Cards Canada
Best Visa Credit Cards Canada
Best Secured Credit Cards Canada
Travel Credit Cards Canada
Balance Transfer Credit Cards Canada
CAPITAL ONE Aspire Travel™ World MasterCard®
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Interview with Promod Sharma -Four Hour Work Week part 5
Monty Loree: Right. That’s the other thing that I ran into. That’s a good point. That’s really what it is. So unless you hire somebody to manage and to direct people and tell them all of the little points to do, then when you outsource, frankly that’s what you’d want is somebody to do exactly what you said. That means that they’re trying to please you and help you out. But I guess as well, you’d want them maybe to learn from their mistakes or develop some add value, like you said. So the point of the story is, the best thing ultimately is to have people that can manage, direct, anticipate, keep adding the value, do the documentation and forward the business. Otherwise you have to do it all by yourself. You have to do the high level stuff by yourself.
Promod Sharma: Yes. I think you want to do some things yourself, but in terms of the 4-hour work week, the things that you’re doing that are creative – if you can put them online for example where they’re there ‘till the end of time, then you don’t have to keep redoing the same thing. So for example, maybe you get a lot of questions in a particular area, maybe you have an FAQ, blog post or video. Then you can direct people to that. But if one of the questions I keep getting, because I’m in actuary, is from people thinking of entering the actuarial field. They don’t realize that I get these things all the time. For them, they’re just asking once. So what I did is a couple of blog posts that helped answer that question. So when I got a request two days ago, I just directed that person to that blog post rather than spending time and re-answering the same questions that I’ve answered in the past.
Monty Loree: Exactly. That’s right. That’s the right thing to do. What I do with my outsource people is, I use docs.google.com. So I documented the daylights out of everything and I just keep pointing them at those. Like you said, because that’s cloud computing, that’s going to be there forever. They can access is whenever they want.
Promod Sharma: Perfect.
Monty Loree: So that’s kind of a neat idea. It’s one of the little tips I learned from my outsourcing stuff. Anyway, we’re kind of empty in your time here. I think we’ve talked about a lot of good things here. A lot of fundamental things that we’ve talked about are what people need to know if they’re going to be interested. I was excited to talk to you because it sounds like you’re starting to practice and get into it, get the mindset and get active with it. That’s great.
Promod Sharma: I really appreciate you inviting me to this podcast. It was a great experience and I think we had a great conversation.
Monty Loree: Just before we go, I just wanted to know, where does Promod hang out on the internet? What sort of personal finance blogs or sites do you like to go visit?
Promod Sharma: Probably my favorite would be Thicken My Wallet, which is written by a Canadian Lawyer. I also like Canadian Capitalist and Million Dollar Journey.
Monty Loree: Right on. Those are very prominent blogs in Canada. Do you ever get over to the Canadian Finance forum?
Promod Sharma: I have, but not as much as I would like to.
Monty Loree: Okay. I see a lot of the bloggers over there. It’s a pretty active area. That’s good. Again, thanks. I appreciate your time today. Maybe we can, at some point, talk about actuary. I know I can probably talk about it for hours.
Promod Sharma: Oh I’m sure that if you talk about that topic, that you’d have lots of listeners for that episode.
Monty Loree: Alright. Thanks again and we’ll talk again soon.
See part one of this interview: interview with promod sharma four hour work week part 1
See part two of this interview: interview with promod sharma four hour work week part 2
See part three of this interview: interview with promod sharma four hour work week part 3
See part four of this interview: interview with promod sharma four hour work week part 4
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Interview with Promod Sharma -Four Hour Work Week part 4
Monty Loree: So I signed up to tons and tons of those and so basically I went through all of my email accounts and I unsubscribed from everything. I kept doing it for months until I had nothing. So now basically in the one where I used to get maybe 15 or 20 emails a day, now I get maybe 1 or 2 and that’s from Facebook, Twitter or something.
Promod Sharma: I’ve done something similar. So what I’ve done, I mean I’ve stopped getting a lot of things that I never bothered reading, but what I do is I use a separate email account for things that are basically reading related. So I have my main email account for business related things, and I have another one for family related things and I have one for just stuff to read at some point and that makes it easier too.
Monty Loree: Right, something I just want to talk about. I guess I should say again here that I am talking here with Promod Sharma who is the blogger over at Riscario Insider and that’s blog.riscario.com. The question that I wanted to ask you is do you think that a 4 hour work is practical? I mean is it good for anybody to do? It seems there’s a bit of a learning curve that you need to do in order to make it work.
Promod Sharma: Well it depends on the kind of work you’re doing. The reason that Timothy Ferriss can follow that is he makes a lot of money by selling, I think it’s vitamins online and with that kind of business you don’t really need to be around. Most of us don’t have that kind of opportunity. We’re doing work where maybe we don’t have to be in the office to do it but we need to be reasonably available. If you’re off for a month, then things are going to suffer during that time. So I think it depends on the kind of work you’re doing but I think if you take the philosophy of what he’s saying, and you’re not in a factory type job where you’re paid by the hour and you physically have to be there. I think there are things that we can do to use our time more effectively.
Monty Loree: Agreed. For example, I was mentioning earlier that a lot of times where – I’m in the internet business, so I outsource quite a bit. I spent 1 year learning how to outsource. People need to know that. When I first started out sourcing, I had no experience whatsoever. For heaven’s sake, it’s like architect, engineering. It’s a whole new skill set that you need to do. The first thing that I did was I said I am going to ask a fellow to do a web page for me. So I sent over the specs of what I thought, and he did exactly what I did. But because the web page needed to be - it was not a static page. It was dynamic, point from data bases and so on. He built a static page for me. It looked good, everything was nice and well. It’s got to move, it’s got to do stuff. It’s got to update. So then I spent the better part of a couple of weeks writing the specs and how to get this page built by somebody else. The point I’m making is, from my experience, either you have the experience or you have to outsource the people that have the experience that can anticipate the problems that you are going to run into.
Promod Sharma: Yes. I think that make sense. One of the things I did which I normally would have not done before the 4 hour kind of thinking is, in December basically I took a sabbatical where we spend a month in India. Normally I would only take a couple of weeks off which isn’t really enough time and I wouldn’t go that far away. Basically that was a good break of the month. One of the things I noticed is in India, like the people we know as relatives because you basically stay with them, are fairly well off by Indian standards. So they all have servants. It might range from one or two to about six or so. But what I noticed, because on the surface here, like in Canada or in the US you’ve got to do everything yourself – laundry, dishes and all those things. We’ve got appliances to help but basically we do the things ourselves. So I was thinking it must be like heaven to have all these people around you. But what I saw is there’s a lot of effort in managing them. So when you tell a servant to do something, they’ll do exactly that. But they won’t do anything extra. So you have to tell them every little thing. It’s almost easier to do certain things yourself. So I can see learning to outsource would take some learning. On the surface it just seems trivial. You tell someone to do this, but maybe that’s what they will do – is exactly what you told them, not really adding any value.
See part one of this interview: interview with promod sharma four hour work week part 1
See part two of this interview: interview with promod sharma four hour work week part 2
See part three of this interview: interview with promod sharma four hour work week part 3
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Interview with Promod Sharma four hour work week part 3
Monty Loree: Yes, which is always fun. It’s a little tiring sometimes, but it’s still quite fun. Anyway, let’s talk about something else here. You’re talking about ignoring interruptions – Skype, MSN or whatever.
Promod Sharma: Yes. One of the other things in the 4-hour work week is that if you’re only going to work 4 hours a week then you need to use that time effectively and not get distracted by other things during the meantime. So Timothy Ferriss talks about how he will only look at his emails once a week. So he won’t be looking at them during the course of the day. He’s probably not using things like instant messaging or Twitter all day long, because all of those things do distract us. I was reading a study that said that anytime we get a distraction, then basically we’re wasting about 15 or 20 minutes to get back on focus to what we were looking at. So those were other ideas about how you can make your life more focused and that’s something that I’ve been following. Before when I’d be working, I’d be checking messages all day long and then I realized how that was unproductive. So then I broke it down to checking messages first thing in the day and just after lunch. And the same thing with phone calls - allocating them to certain times so that I can focus on the things that I really needed to do rather than these interruptions that came in whenever someone decided they wanted to contact me.
Monty Loree: So basically that just takes the question. So now if you were replying to phone calls and emails all day and now you are doing it once a day, how do your client or the people that you’re interacting with, how do they feel about it? Did you have to train them a little bit?
Promod Sharma: Yes. On my voice mail what I tell people is for faster service, they should send an email. The reason for that is that when someone phones you, especially if you’re in a compliance written industry like insurance, you need to make notes of that call. So then you’re writing things down, which is taking more time if someone sends you an email then you already have a message. Also with phone calls, sometimes you’ll be just between meetings then you’ve got a few minutes and so you might as well check your messages then. It’s a lot easier to do with email than it is to do with phone mail. So there was an element of training but the reality is that if you’re good at what you’re doing then you’re busy. People shouldn’t expect that you’ll just be sitting around all day answering calls. So you do need to get back to people fairly promptly, but I don’t know that the value I provide is - I’m at the phone or at the computer any time that someone wants to contact me.
Monty Loree: Right, exactly. That’s a good point. Certainly I guess it depends on the career that you are in. If you are in a high pressure customer, service type job then you’ve got be on the phone or outsource it or whatever it is. For me certainly, generally, I maybe get 10 phone calls for business in a year.
Promod Sharma: So you just leave to them, hey a phone call, a phone call.
Monty Loree: It’s like somebody is calling me, and generally what I do is I went through all of my emails and I signed up for a lot of things. You know you get these, sign up here and you’ll get two free things or whatever it is.
Promod Sharma: Right.
See part one of this interview: interview with promod sharma four hour work week part 1
See part two of this interview: interview with promod sharma four hour work week part 2
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Interview with Promod Sharma -Four Hour Work Week part 2
Monty Loree: The question I’ve got for you - you’re sort of in the insurance industry. I’m just wondering, you probably have heard stories where people have worked all their lives and then died pretty quickly after retiring.
Promod Sharma: I tend not to hear so much about people dying because I’m more involved in helping advisers sell the cases in the beginning. But you do come across statistics that people who will only have work as their focus tend to pass away pretty quickly once they stop working, which is very unfortunate.
Monty Loree: So that just confirms what we’re talking about here, about the mini retirement. An example that I’ve got and I’ll never forget it. A close friend of mine, this was a few years ago, his dad was a fire fighter. So the dad worked his way up to the ranks, worked really hard, was making good money. Then he retired and he said, “As soon as I retire we’re going to go travel Europe and do all the things that we’ve always wanted to do.” After a month of being retired, he passed away. So yes, that was very dramatic to me that made a statement in my life. I said that I will never do that. I’ll always do the things that I want to do but I’ll never look to that 20 or 30 years down the road for my retirement. I’ll do it now.
Promod Sharma: Yes. Another point that Tim Ferriss made is, what is retirement anyway? We are living very long these days. We’re living longer and longer. So if you retire at say at 65 or whenever and you’re going to live in another 20, 30 or maybe even longer number of years then the retirement becomes like a job. So you want to be doing things that you can continue during that traditional retirement phase so that you have some interesting things going on in your life. That makes the idea of a mini retirement even more appealing, because then you’re basically you’re retiring for limited periods of time during what would otherwise be your normal work life.
Monty Loree: Yes, that’s right. It’s a whole mindset shift. Basically I’ve been a workaholic for many years - probably the closest 25 years, working seven days a week, many many hours and all to generate wealth and all of the American or Canadian dream type things. For the last couple of years I’ve said I’m going to work for four hours a day and that’s it. While the first year was not bad because I needed the rest, after that I was like, “What am I going to do now?” So it became a little bit stressful because I was just sitting there thinking and it’s actually taking me a few years to learn how to be retired. So I can relate to that.
Promod Sharma: Now why do you work for seven days a week rather than five?
Monty Loree: Well because I’m self-employed, there’s always something to do. Quite frankly, four hours a day is never enough, so I just try to make do with it. But there’s always something to do and I find that - I wake up at five or six in the morning, you’re up anyway. So you go downstairs and into the office and do something until the kids wake up and then you can go and visit the kids and the wife. Then you can spend some time with them, but from the 5 am ‘till 9 when they’re sleeping on the weekends. It’s either that or you sit and watch TV or read a book or something like that, but I’d just rather get some stuff done. I guess I’ve been doing this for so many years that it’s just kind of normal for me.
Promod Sharma: Okay, that’s a great way of doing things.
Monty Loree: It’s not for everybody that’s for sure but it works for me. I kind of like it. My job is my hobby so I’m doing my hobby 7 days a week.
Promod Sharma: Yes, you can’t really beat that.
See part one of this interview: interview with promod sharma four hour work week part 1
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The digetari life site review
It is about a personal finance insights from the silicon valley. From the author itself we will just call her Silicon Valley Blogger or in short SVB. She is a software engineer by trade, working and residing in Silicon Valley, California USA, the land of technologists, venture capitalists and liberals. She lived there for over 20 years and have witnessed some amazing things. SVB currently join the Wisebread team as a contributing writer, promote a consumer site which is the Best in class, run a few blogs in various niches, help companies with their blog outreach and internet marketing projects. The site is for informational purposes only and not as a professional finance adviser. The site also had grown to which they are now accepting sponsors and advertisers. The site has special deals, online coupons and free money. Under the special deals are discounts, promotions and offers either by gadget's brands, ebooks and etc. In the online coupons are coupon savings either from online and physical stores.
You can subscribe to get the scoop on money saving with some of their special deal and coupon feeds. On the free money it is more on cash bonuses and product discounts. Digetari life site has top financial offers and reviews such as online bank accounts and zecco reviews. Regarding personal finance you can read them under their archieves and money category articles. The site has 5, 272 readers with a traffic rank of 33, 391 and is powered by alexa. You can follow SVB through her twitter account which has 1, 103 followers, 39 following and 102 listed you can now join today for an easy to stay updated on an incredibly wide variety of topics. All of the articles and blogs being posted are true and they make it sure that the information are accurate upon publication.
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Just Thrive site review
So far, all of the sites that I am reviewing are not a financial adviser but only for information and entertainment purposes but Thrive.com is a site that offers excellent financial advice. They are helping you a way out from your financial problems as well as to what way you should approach your finances. The site is a user-friendly which has a tools to show you how you can take control of your financial life, and start accomplishing your goals. With Thrive, you'll gain an understanding of what your money is. The founder of the site are Avi Karnani and Ori Schnaps, both of them struggle how to become financially debt free. That is why they came together and formed Thrive which will provide friendly, free, and accurate financial guidance. After two years Thrive was lunched to the public in October 2008. They believed that everyone of us has the right to financial advice based on our needs. And they are hoping that all of our needs can be meet.
Thrive.com has a parent company, the LendingTree and its parent, is the Tree.com, they are also engages in real estate and real estate brokerage activities. It has a several other divisions or subsidiaries which is the RealEstate.com and iNest Realty Inc.
Thrive.com has press releases, in the news, media kit, and our two cents category. They had blogs, offers and tour if you are new to the site. In order for Thrive.com will understand your financial status one should enter any account information but all of the information provided by a member are safe and secured. To be a member just sign up for free and after signing up you will get better offers. Under the blogs you will find articles about IRA, saving and budgeting, financial approaches, credit scores and a lot more. You can also read some of the top comments by top readers of the site. You can follow them also through their twitter account.
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2 million personal finance site review
The author of the site is a 34 yr old married and with kids. An IBM engineering manager who live in Raleigh, NC. He started this weblog to track his journey to financial freedom and would definitley share them to others. The site offers advertisements to promote some business or products. 2millionblog.com accepts Featured Links or Featured Site Sponsorship with text link advertising on every web page. Just sign up for a subscription and payment are via PayPal. In paypal you are billed automatically on a monthly basis, but you can cancel them at any time. This is easier also to keep with advertising renewals on time. This site has made appearances in BusinessWeek, US News & World Report, Yahoo!Finance, and Miami Herald.
For further information, the site is a journal of the author that details his investments, strategy, and analysis for personal use. It has personal finance blogrolls such as boston gal openwallet, It's just money, Ask uncle bill, the simple dollar and many more. For new visitors the site has a guide for them to click on so that you can start exploring the site. And you will be directed to some of the previous articles as well as some posted blogs which may add interests to the readers. Some of the finance archieves are bonds, balance transfer, charity, credit cards, income taxes, money and relationships, rebates, savings, personal finance blogs and many more. The site has a current net worth of $648,316. About the 2millionblog.com Stats, the average visitors are over 700/day (from Sitemeter Reporting) and the site has an average pageviews, over 1800/day (from Sitemeter Reporting). The site had some sponsors one of them is the easyforex.com and all ads are powered by googles.com. To recieved any updates and newsletter of their weblog subscribe them through rss feeds and follow them on twitter account.
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Josephsagl.com site review
Joseph Sangl is the founder of I Was Broke. Now I’m Not., it is an organization that helps others accomplish what they think possible. Joseph is a graduate of BS in Mechanical Engineering from Purdue University in 1996 and has an MBA from Clemson University in 2001. He worked in a corporate company but in 2003, he begun teaching personal finances and conduct financial counseling.
Joseph is the author of the book entitled "I Was Broke. Now I’m Not". and "What Everyone Should Know About Money Before They Enter THE REAL WORLD". In his site, you can see and hear Joseph speaking. He speaks about teachings regarding finances. You can also purchase any books and other materials on personal finances. Joe will teach how to use the tools in helping you get out from a debt and for you to win some money. In his book " I was broke now I'm not", you will learn few things these are : Develop a Plan for your Life, Prepare a budget that actually works—An EZ Budget, Eliminate debt with the Debt Snowball, Calculate your Debt Freedom Date, Capture the POWER of Compound Interest, Calculate the Amount Needed For Retirement, Start Investing and Understand Insurance. You will see also upcoming events of Joseph and other things which he will do but mostly it is about his speaking schedule. He had 2 book reviews like church giving matters and the go-giver. In his site, you will find some categories about budgeting, debt reduction, finance, financial hero, investing, insurance, retirement and many more. You will learn also some tips on how to put up a small business, what are the business and financial plans, financial goals, saving money tips, successful stories of different people about their money management and also about loosing jobs, how will you cope up from that problem and what are alternative income you can find and have to sustain your daily needs after loosing your present job. For updates just subscribe through rss feeds and you can follow at < ahref="http://www.facebook.com/iwasbrokenowimnot">facebook account.
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Money sense site review
MoneySense is published by moneytree publishing corporation. This is written for middle and upper-middle income readers who want to know more about what are the best way to earn, save, spend, borrow, invest, and protect their money. Its mission is to help readers become more financially literate and will know about different approaches, tips and advises.
Money tree Publishing Corp was started by veterans in business and finance journalism who shares a common mission to spread financial literacy among Filipinos. The founders are Roberto de Ocampo, Chairman of the Board, Publisher Miss Elena Torrijos, the Managing Director - Jay-Anne Encarnado, Editor-in-Chief is Heinz Bulos Web Administrator is Alexander Torrijos. The BOARD OF ADVISERS are: Lilia Bautista, who is the former Chairperson of the Securities and Exchange Commission, Mr. Rey Anthony David, the President of Great Wall Advertising and Pro Solutions, Joey Roxas-President of Eagle Equities and Mr. Gabriel Singson a Former Governor of the Bangko Sentral ng Pilipinas. The categories are budgeting, economy, education, insurance, investing, retirement, wealth, finances and many more. It has some other links like Rural banks, mutual funds, pre need companies, registered financial planner, etc.,
The site has its own Magazine which every issue, MoneySense will focus on a specific theme that addresses a timely area of personal finance, such as spending for education, planning for a vacation and lot more. You can also browse some previous topics of the magazine online. Aside that Money sense has magazine and talks about personal finances readers can benifit also some other things such as learning how to be active in financial products and take some actions about their money and will achieve goals. You can place your advertisements on this site. MoneySense is in all major bookstores and newsstands, coffee shops, hotels, and airports, nationwide.
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Minding Your Money site review
Author
MBA,CFP,CDFA is her best qualification and by personal experience, she also deasl with financial difficulties through with that situation Patricia Stallworth come up the idea to make a Site to help and educate to those who needs guidance to resolve financial problems. Patricia is also a college educator at Oglethorpe University. Not only has that she written books like Minding Your Money Seminar Series. Patricia is not just giving information in this website but also in personal appearance as she can be invited as a speaker .Even in the news paper, you can find article written by her for she is a columnist of the Atlanta Tribune. She too was hired as a financial adviser in different companies. About her personal side she is divorced for her longtime marriage. But she is happy of what she has now.
Site Context
Minding Your Money website aims to truly educate someone who wants to be in his or her best to its financial status. This web is simple on its lay out but promising with regards to information. Same with the other sites, MYM is also offering free online finance book and tools that were helpful. Unlike other sites, they will not give you more links just to get what you want instead they will give you directly to the administrator. Like for instance, you want a book from Patricia so right then they will instruct you how to have it.
It is not only about business and money it also discuss every situation that involved money. For example, money and divorced why and how they are connected. While the site is putting the money and situation the also give you a concrete solution of your financial struggles.
As for me sight like this is a help for we don’t need to go for University so I can solve and manage my money. All I need to do is to log in and get educate online.
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Bargineering.com site review
Author
Jim Wang is the man behind this blog. His main purpose is to educate his self and others. He gave his fresh thoughts that subject to money give strategy .However, he is open-minded and he is willing to accept corrections and he is trying to get the right thing with. Jim is a graduate of B.S Computer Science & Economics, M.S. Software Engineering & MBA.As of now he is located in Washington D.C. What is unique about Jim is that he is very open even to his personal finances and on how he budgets his income and how he uses it to spend and paid for his car. Jim is featured as one of the best young personal bloggers and through to his blog and intelligence, he can have the popularity that he never dreamed. Jim is on his full time to his blog he promised that whatever you can see and read to his blog is personally created by him.
Site Context
Well the site talks about money of course. What makes the site different from other sites is that is not just contains about the site owner‘s Idea, but it also contains as well as the members of the site. At the main page of the blog, you can read different post statements that tackle issues that include financial topics and views. As anyone was free to post their insights, they too were free to give their suggestion or commentary as a response to what you had posted. The site is also offered an online banking as it was connected to different banks such, Discover Bank, American Express bank, Ally Bank, MetLife Bank and more. You can easily check also your account online by its simple steps. The web was impressive for it was already recognizes in several publications like New York Times, Business Week. Bargaineering is on its fifth year now and looking forward to more years and more achievement.
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GATHER LITTLE BY LITTLE SITE REVIEW
This site is a personal finance blog with a Christian views and perspective. It tells about marriage and money, frugality, debt, saving, retirement, investing, money, and more. Although, the author is not a professional finance adviser but you can apply some of his personal opinions to solve your problems too. It is your own choice whether you will follow the same strategies to work on his financial aspects.
In this site you will also learn to manage your personal finances with a thought from the bible verse, particularly in Proverbs 13:11. It says that "Dishonest money dwindles away, but he who gathers money little by little makes it grow". People always think that getting an instant money is the only way to become rich and without having an instant money you can never be rich. That is why most of us rely too much on applying and acquiring debit cards only to realized we put ourselves into a financial hole. In Gather little by little, you will read an article that had some tips on how to save more of your money. He named it as Money saving monday. It is a series that each and every monday is a saving monday, so you must tune it that day to save money.
Since it is a Christian financial site, the categories are mostly of Christian ways. These are christian budgeting and christian debt reduction, but I find out that most of their categories cannot be opened. Each time I will click at them, it will only show error. The site is featuring an article about making money online. It says there that the job from internet could be an alternative source of income. Some of these jobs you can find on the internet are Affiliate Marketing. Blogging, Consulting or Coaching, Online stores, Complete Online Surveys and Read emails and Writing eBooks. The site has 2, 669 readers and they are also offering some business site, blogs and other webpages to sponsor Gather little by little to advertise. You can subscribe through RSS and Via email for their newsletter and updates.
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Frugal save wave Site Review
The color scheme of the site is white with a touch of green and blue. It is simple and good in the eyes. The publisher of the site is Denise and Tim Derey and both of them live in a frugal life. So what does frugal living means? Frugal living is living smarter, so that you can afford to live the life that you want to live – the life that you dream of living. Both Denise and Tim are taught early on to treat others with respect and an appreciation for making wise money choices. Even as children, they began adopting frugal lifestyles. Tim graduated in MBA finance with a 25 years of professional experience in personal money management. He also writes thousands of financial advisory reports to help people solve their financial problems.
Denise had several years of experience also in knowing how to keep more cash where it belongs, either to their family, shopping, cooking, as well as in many other household money saving tips. Frugal save wave will teach you on how to live a simple life but in a frugal ways. One of them is a Household Money Saving tips and ideas like how to cook a good meal without too much spending on buying recipies. You will also know some of the recommended business resources. In personal finance you will learn on how to write a budget, making budget, eliminating debt and mortgage debt elimination.
In this site you will find not just on frugal living ways but also about budgetting and debt tax saving, personal finance, energy savings. You will also learn different tips on saving money, managing your money, and some gas saving tips. The site is not just a frugal living websites on the net, it's also about sharing their life experiences on saving money with other people especially to the visitors and readers of the site. This site is to give people free access to information that would help them reduce their expenses and increase their income.
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Arabian business site review
Middle east refers to the Arab countries of North Africa; the Arab countries of Asia; Israel; and the non-Arab countries of Afghanistan, Iran, Pakistan, and Turkey. According to some broader definitions, it may also include the five countries of Central Asia, Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan, and Uzbekistan. Some might also include Azerbaijan. It is composed of predominantly Muslim states and are practicing the Islamic religion. But same with other countries, Middle east is also on its bloom especially on their economy although they are included in the world's crisis and recession.
Arabian business is a site for middle east people about business, markets, culture & society, education & technology, energy, health care and personal finance. It has 100 journalists providing daily and dedicated coverage to the region. They covered on property, jobs, news, services, events, special reports and resources of company directory, salary calculator, currencies and industry press releases. The arabian business allows advertisements on their site and to do that, you just have to contact their sales directors. Under the culture and society is about some stories on Emarati's, Saudi arabia's officials and India's way of life.
On the services, you will find RSS feeds, SMS alerts, free newsletter and magazine subscription. You will get to know also about their updated events like special night awards, celebrations, and some of the gulf business conferences. Under the special reports are arabian travel markets, middle east architect power, digital broadcast, saudi rich list, dubai metro, bahrain investor, qatar investors, downturn in the gulf and many more. In personal finance, you will learn some tips on how to spend wisely specially during eating out for dinners and blow outs, budgeting methods, budget planner, tips to cut down on electrical bills, tips to slash down on your grocery bills, saving tips on travels, water bills, house renting and some useful tips to beat recession. On blogs you will read articles and tags about banking, economy, gas, internet, living in Gulf, sports, media and advertising and working. You will also find more pictures and videos that are realted on their site.
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GENXFINANCE SITE REVIEW
About the Author
Generation X Finance was created late in 2006. It is more of a discussion over financial issues to those who were born between 1965-1980. The author of this site is Jeremy Vohwinkle, currently working in the finance industry providing financial advice to some of the retirees. He is helping people make better financial choices and help them prepare before planning to retire. He spent couple years working as a financial advisor for a financial planning company and a bank with his goal to educate people to make better decisions on their finances.
He began writing also at Aboutme.com in early 2007, and it has been a great way to reach even more people and provide information about how to improve their financial status better.
Inside the Site
The site has a cool good color scheme and they are well organized too. It has some related sites which I have reviewed also and these are Free money finance, get rich slowly, My two dollars and My money blog. They have different categories like making money, odds and ends, book reviews, saving money , personal finances and etc. The site has a readers community that where you can join and this is powered and provided by MyBlogLog. The site has some sponsors and one of them is the MoneyTips Network. One of the money writers of the site is the Million Dollar Journey, which I've reviewed also. Readers also can ask some questions on whatever topic they want about the financial aspect and can be posted under the Readers Question category. The site has 3, 619 readers. You can subscribe through email to get updates and can follow them at twitter account.
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CLEVERDUDE SITE REVIEW
Well, the first time I visited the site I likes the color scheme. They are not harsh to the eyes and I also love the text colors, a combination of lavender and green. (Actually lavender is one of my favorite colors) The site has an over all properly arranged and well organized setting. It is unlike some other sites where you have the difficulty to find the links to the author, writers and articles you want to go because of the advertisements placed in the center. While some of them are up, down or everywhere in the site which is so ugly and messy to loook at.
Cleverdude is pretty much better. The author is Clever Dude and his writings are about his mistakes in finances and marriage and hoping that some of his readers, can learn few wisdom to prevent the same mistakes. The site is more on topics about Family, Marriage, Finances and Life as to what the site logo speaks at. The site has already turned into their 4th year anniversarry last June 14, 2010. Dude is featuring some of the best deals for year round. Some of them are the books on Amazon.com , which was categorized as the Best Books of 2009. These are Let the Great world spin by Colun Mccan, Wolf Man: a novel by Hilary Mantel, The City & the City by Cina Mieville and many more. And also featuring the Best music for 2009 one of them is the Black Eyed Peas as the Best selling music also in 2009.
Some of their songs are Elephunk, Monkey Business and I got the feeling. Under the Best of Clever Dude is an article "Examining your motives". It is about their discussion on having a baby as an intorduction to make him ask so many questions and from then on, he is posting lot of the series of articles regarding WHAT IS YOUR MOTIVE over something. It could be your personal finances too. The site has cool links also to visit such as Dont mess with Taxes, Christian personal finance, Free money finance and Frugal DAd. Other cool sites are Building nutrition and Probloggers, etc. The site has 2, 898 readers and you can follow them through twitter account.
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MAKE LOVE NOT DEBT SITE REVIEW
Make love not debt is a blog site for those who experienced divorce and failure in marriage because of difficulties in finances and about one half of all cases are due to this kind of problem. The site was established by two engage couple with anonymous name of HIM and HER. This is a story about them living together in Chicago. It tells that even if they may have a lot of debt, but they believe they can conquer it with a little love and a lot of style. This site is a reincarnation of the older Make love Not debt website now changes to a new color scheme and design with more tags, articles and more writers than before. It is now more on a relationship finance blog. Both of the author are sharing their story on how they come up with a big financial hole since in their college days, and today, they are telling their story on how they've become pretty good at controlling money. Before all of their expenses are only for paying house mortgages, cutting retirement contributions but now they can afford even adding their retirement savings. They are also trying now to be smarter to save money and focus on these areas: health and vacations. The site is featuring some books like Seven principles making marriage work and Smart couples finish rich creating a rich future for you and your partner.
They have different tags like debits, credit, employments, finances and relationship tags like family, kids, marriage, and parents. You can subscribe through their RSS feeds to be updated on their new posted articles. You can find them on facebook and follow them through twitter account. The site has 651 readers and with a net worth of +$43,149.54. They also have advertisements like the easyforex trade and all ads are powered by googles.com and If you are a first time visitor they have a navigator tour for you to start reading and exploring their site.
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Queercents site review
So far with my site reviewing, I find webpages that are exclusively for women, men, businessman and parents. But this site is different because it talks about personal finances of people who are lesbians, gays and those that belong to the bisexual communities.
The Queercents.com is a forum to share stories about their personal success. Since this site is for trans-gender, some of their categories and articles are related to them such as spending gay money, gender and finances, gay marriage and money. Under the gay marriage and money category is an article posted by one of the guest writers about wedding budgets for lesbians. In spending gay money feauturing only one posted article and its about Gaying Up Your Gasoline Purchases. In gender and finances are articles about different gender with different approaches on money management and how they spend their money. Some of their personal finances topics are under the transgender finances. In this site you can read also about what most of the rich and famous people would say about money and how these articles can be found under the category of ten money question.
In Queercents.com you will read also about some articles regarding HIV although its about their personal finances and money. They tackled some of the reasons behind having sexually transmitted diseases particularly an HIV could affect their financial status and budgets. But in this category, I noticed they have no fresh or new articles posted. They have launched also a professional directory and gave spotted highlights to some of the members. They have also site statistics, demographics and advertising rates. The site has surpassed 750,000 visitors since launching in April 2006 and it has 561 readers. You can follow them also through their twitter account. You can subscribe also through RSS feeds but if you prefer updates of their newsletter, you can subscribe through email.
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Moneyunder30 site review
is a blog site of David, a researcher and a reporter of Smartmoney magazine. He started his blog way back in 2006, where it is more of his personal finances experience. The mission of this blog site is to help other people in a way of advises for them to become financially independent. And they will recommend some links and sites directly if you need help about bank mortgage, debt reductions, credit loans , budgeting and managing your personal finances in a right way.
Moneyunder30 is growing and now becoming a multifaceted website featuring hundreds of articles and tools to help you deal your finances correctly. The site has other contributors who are Carrie, Mark Riddix and Sarah Davis. They also appeared already to some other major media outlets and one of them is The Washington Post. The moneyunder30 covers savings account, credit cards, your credit score, debt help, IRA's, and mortgages. In savings account, they are posting reviews about some of their financial relationship company. They give credits to the company's background and rates on how they can give 100% good service to those who want to open a savings account online in the US.
In credit cards, you will learn how to choose the best credit cards. Here, they will teach you on how to use them wisely. In credit score, you will be able to know what to do before getting a credit card based on the three best credit services they picked. In Debt help, you will learn more about how to get out from debt through reading their free consultations. In IRA or individual retirement accounts, you will learn how to start saving for your retirement. And through this category. you can also compare your online brokers. In mortgage, you can have mortgage qoutes online. One sister site of their blogroll is 20 something finance. You can subscribe them through emails and rss feeds. You can also follow them through their twitter account.
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Boston Gal Open wallet Site review
All the time we hear about net worth, but what is net worth anyway? Net worth is an entity either from a person, business or a company. Net worth in business are sometimes called net liabilities. In companies, it refers to shareholders preference and in personal finance, it is about wealth or any individual's net economic position. Boston Gal Open wallet is a blog site since 2005 by Jane Dough. It is more on a chronicle of a single 30 Bostonian who is seeking enlightenment and control of her Net Worth. Her net worth goal is $3,376,500.00 but their current net worth is $572,941.60 but on this June 2010 her net worth moved backward a little bit click here for more details.
Boston Gal has Amazon.com store where all the stuff are personally used by her and that she recommends it to the public also for them to buy. Boston gal also has some tips on Amazon. Well, the site has 1,797 readers by feedburner. The texture and color template of the site is green and white. The links are nice and easy to navigate. Since we review about personal finances site, Boston Gals personal finances article and links are still under construction. Nevertheless, the site is more of the net worth. They have posts about money matters and other things regarding how the author makes money over online survey sites. She earned from there and currently sharing them how to the readers. The author also shares her little history on how she manages her money over her finances. That is why the site is named open wallet because it is about most of her personal finances. As to her, " this site is meant to be a tool for me to tackle and hopefully accomplish various financial goals while along the way, hopefully educating and preparing other woman and men who read this for their financial lives. If your parents and peers can't or won't show you the way, hopefully sites like this on the web will".
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20somethingfinance site review
There are billions of people out there who are fighting for financial freedom. As we go along with our daily needs, it is so nice to see and know that we are financially independent. The author of the blog is G.E. Miller, a happily married man in Michigan. He has 10 years of training and studies about personal finance. The purpose of this blog is to fill a niche in helping young professionals get out of debt, build wealth, and achieve financial freedom. There are plenty of essential financial lessons for everyone and through this site, it will serve as a platform debate on personal finance topics or those who seek personal finance advice from others. However, the ultimate goal of this site is to achieve financial independence and freedom.
The site has 2, 774 readers and it has a freenet checking account. All the advertisements and promos change without prior notice. The site is not claiming as a financial adviser or expert but it serves for entertainment purposes only.
It has reviews also regarding gadgets, electronics, articles, topics or reviews about other sites. The site has 4 unique categories these are invest wisely, live well, make money, protect and retire. Under the category of invest wisely are articles about banks, funds, stocks and terminology. Under the live well category are career, work, food, life and pets. Under the make money category are home, auto, debts, budgets and credit. Under the protect category are insurance, identity and emergency. The last but not the least category is retire and under it are articles about retirement planning, 401k and IRA. You can subscribe them through RSS feeds and follow them through twitter account and facebook.
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Wisebread site review
Well, if you just hear it without reading you may think that wisebread.com is a site for food.Perhaps, it could be. But what you don't know is, wisebread.com is a site where personal financial is also the subject matter.
So what would a bread will do about personal finances? The site has a frugal living category where budgeting is part of it. Food and drinks are under this category. Sometimes, unknowingly, we spend more on food than to other things. Maybe because we eat regularly outside than we cook a healthy meal at home. For this reason, our budget and money are wasted. So the site gives a lot of variety options and advises on how we can eat same delicious food in restaurants without spending too much.
In Wisebread.com you can also find tips on most of the topics we have everyday such as home, lifestyle, shopping, health and beauty as well as travel. Each of these things are simple and ordinary but if we don't know how to manage our money, that's the reason why we over spend them. Wisebread is a community blog which will help us live a large life on a small budget. It's more on money tips. Their mission is to help new generations with their best tips to live life free of financial problems. The founder of the site is Will, Lynn, and Greg who knew each other since high school and started to create the site in December of 2006. Writers of the site are from a rich background, some of them are financial consultants, homemakers, journalists, career counselors, professors, and even professional financial advisers.
As to them, they believed that financial freedom is a matter of choice. Aside from money tips, they have also articles on personal development. You can become a fan at their Facebook account, follow them on Twitter and subscribe through RSS feed. You can contact them through emails.The site navigations are easy to access and their links are also reliable.
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FreeMoneyFinance.com is a site where you can learn some ideas on how to grow your net worth. Basically, they will talk about personal finances in a simple and easy to understand topics. The author of this site is self trained. Although he is not a financial expert and he only has a business course (undergrad), he already wrote 100 articles over finances for seven years and had written a book on how to save money.
In this site you will not hear any thing on how to get rich faster or slower but rather feature articles, links to great sites, interviews with people and reviews of products are the topics available in this site. There are some useful advice and tips on how to increase your net worth too and will cover some principles on it.The site has 8,942 readers and has sitemeter too. To subscribe their e-newsletter for free, you can email and contact the author directly at fmfblog@gmail.com. The site also has another sister site of money bloggers like the canadian capitalists, ask uncle bill, christian finance, financial frugal, free at 50 and many more.
The author sometimes would be out of town and might be busy to write on his blog that is why he is also welcoming all guest bloggers to posts in his site in behalf of him.They have also some site reviews of finances site. You can read some of their top articles with which categories are advertisement, career, budgeting, commentary, current events, debt, financial planning, and money advice.You can also asks questions regarding to whatever concerns you may have but all must consider some things before sending your questions. First, you must give details but not too much information for your safety.
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Personal management site review
Money is very important regardless of what status you have in society. Practically, we all need money to be able to survive in our lives. But how to manage our finances is a big taboo. And most of software developers find this issue so interesting that is why they are always updated in building and developing solution when it comes to finance issues.There blogs' sources and some of their topics are from Yahoo.finace, WSJ.com, Investopedia.com, the Motley fool, and investor education fund. Personal management.com is a site where they offer free online tutorial in managing your money. Although they are not endorsing products or any strategies int their site, but through them you will learn how to manage your money better.
The site also covered some important topics through posts in their blogs. In their blogs you will learn about different tips and advises particularly about personal finances.You can read also comments and any suggestions from the readers and followers of the site.The site has a worldtime clock tokyo which is in ASIA, London which is in European country and New york which lies in the American continent. Most of the categories inside the blogs corner are investing, financial planning, budgeting and retirement planning.Their ads are form google.com. The site is offering some variety selection of software for finances in association of Amazon.com, these are Microsoft Money 2007 Deluxe, Quicken premier 2007, Office accounting professional 2007 and many more. There are also available free software like Budget tracker, Acemoney lite, Gnucash and etc.
Although these softwares are not yet personally tested by personal management.com. These can be downloaded through their site but more free personal finance software listed can be downloaded at SourceForge.net and Freeware guide. Personal management in association again with the Amazon.com offers lots of selection regarding E-books about personal finances. For their prices of course you can visit Amazon.com.For your comments and suggestion you can contact them through email with this address info@twinisles.com.
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Financial Edge site review
Financial Edge site is by Investopedia.com which is one of forbes digital company.Investopedia was founded in 1999 by Cory Wagner and Cory Janssen with its concept of building the most comprehensive financial dictionary online.They also have a financial dictionary where you can search over their database with 7000 keywords.
Financial edge has a lot of topics about personal finances. The popular topics are banking, credit, debt, insurances, mortgage, budgeting, taxes and retirement.You can also view what is available on the market especially on stocks, funds, ETF, economy and Forex. You will be updated on stock analysis as well as the currency rates.Some of the posted articles about banking are the tips on how to get your finances in order for the year 2010. They are also posting some of the reasons and factors why your money is getting nowhere or wasted. There are things which eat your money without even noticing them and one sample of it is your credit cards.
In credits, you will read about why credit cards change, their advantages when it comes to student loans as well as other bill statements in using your credit or debit cards.In budgeting, you will read articles about what are the four expensive things you never know as well as custom budgeting. The site has a good context and content. They are rich and that all of the primary keywords are with different reader's interests that you will easily understand. Unlike some of the artciles and blogs of other sites in Financial edge, you will exactly know and learn already with the title itself. So far, all of the links and backlinks of the site are easy to navigate and whenever you will click on them, they are allow you to be on a different page but with the same and exact keywords.
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The Simple Dollar Site Review
This site is a typical site which most of us talks about. How we can overcome financial crisis and debts. The site is more on blogs made by
Trent Hamm an ordinary person who experience financial meltdown and a few months later he manage to pay all of his debit card bills. And in 2006 he decided to share things about his personal finances and experiences on poverty and some of his lessons learned towards money. He believed that through this site he may be able to reached other out and would somehow help find their solution in solving same problem financially. The site has lots of categories for you to choose and read some of his articles. The categories are banking,credit cards,entertainment, retirement, financial independence, family, your money or your life, technology and personal financial reviews.
Trent writes 14 money rule and these are
1. Spend Less Than You Earn.
2. Don't Over-Think Your Investments.
3. Stop Wasting Time.
4. Eliminate (and Avoid) High-Interest Debt.
5. Talk About Money (And Be Honest).
6. Stop Trying to Impress Other People.
7. Watch Your Progress (But Make It Fun).
8. Take Care of Your Things.
9. Do It Yourself.
10. Plan Ahead Every Time You Spend.
11. Find and Work Toward Your True Passions.
12. Build Real Friendships and Relationships.
13. Improve Yourself Every Chance You Get.
14. Give Without Strings or Regrets.
Trent writes downloadable books and for $2 dollars you can avail them and even print them. He is sharing also some of the books he read. If you'd like to connect with Trent on other sites, He is actively participating on the following sites: FriendFeed, del.icio.us, Wakoopa, GoodReads, and Facebook. I also occasionally post on my personal blog, TrentHamm.com.
If you want to subscribe their RSS feeds you can also follow him on Twitter with 10,000 followers.Trent writes different finances books and some of them are out in the market already.The site has 49,893 readers.
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Women's Personal finance.net site review
There are webpages that are exclusively for women some of these popular sites are the self.com, healthyliving and ehow.com.
Some other exclusive for women are the radio stations, televison program like oprah and even books as well as magazines. Although, most of these talks about motherhood, women's health, livelihood, beauty and fitness there are site also that is more than of women's wants and needs but also with their personal finance.Few of them I know is the forbeswoman and msmoney.com.
Womens personal finances.com is now included in the lists. The site is a financial advises by women for women. It focus on budgeting, saving, investing, marriage to divorce and vacation planning. In saving,it talks about financila saving after quitting a job,and how to build emergency funds. In investing you must start to save &100.
In marriage to divorce, these are articles that talks about some financial pitfalls in marriage and after divorce.Others are the dividing debts and questions who should keep the house after divorce? and you can read some of these articles at one of their sister links.There are different categories in this site among them are: retirement, life insurance, real estates, car loans, credit cards, education, kids and taxes. For kids, the site has some tips on how to instill in our younger generations minds the importance of saving money as well as investing for future benefits.
They have aslo some other links like the Womensfinance.com and wife.org. Womenspersonalfinances.com collects certain information about the site's visitor through the users actions and clikcs paths.Informations they collect from site visitor are used mainly to track referals and advertisements. The site has sitemeter and as of today they have a total of 93,038 visitors. You can subscribe to their feeds powered by feedblitz and get updates through emails. So visit their site and subscribe them with bloglines and my yahoo.
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Getting rich slowly.org Site Review
Personal finances is a broad subject yet a very interesting to talk around. It is because it tackles different categories
from the clothes we wear, the foods that we eat as well as on what type of vehicles we're going to ride at. People are always asking how can we have a life that is free from finacial crisis? Will that would happen? of course yes, maybe the only thing we can't do is to manage our money on the right way. Sometimes we plan, but when money is in our hands already we shift the plan A to plan B. Instead the money is for education plan we change into buying clothes that we dont really wear or go for a travel when it is not that important.
Personal Finance is really the subject matter in every topic of our lives. We should be educated enough in dealing our money. As they say a penny could make you rich if you know how to save them. Lots of webpages also other than physical banks are available to render service and gives informations in helping us cope our daily debts and ease our anxieties over credit bills. And personally, I myself learned a lot reading these sites about personal finances.
As far as I review finances sites. This one seem different so with their domain name.If others is about getting rich faster this one is getting rich slower. Get Rich Slowly.org is a personal blog by J.D. Roth, it is formerly known as the most inspiring money blog by money magazine which inspires people through their sensible personal finances topics. The author aims to share his daily informations on how to save money, eliminate debts and practical investing. In this site you will find principles and philosophy which the author develop to be the key factors in getting rich slowly even if some people get rich quickly.Some of these philosophies are: 1.The road to wealth, 2.Track every penny you spend,
3.How to get out of debt,
4.The magic of thinking small and a lot more.
If you want to follow them you can connect through facebook and twitter.
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Fatlink.com Site Review
Have you noticed that everytime you open some of the webpage there are some small boxes or pop ups that says: CONGRATULATIONS!! You're the 1,220 visitors. These mean that you visit the site on that number rank. All webpage developer and owners love this kinds of banners. And for financial websites most of them has a traffic ranks and banners that they have 1,338 or 257 readers, visitors or followers. But maybe you may think where we can purchase these kinds of banners and traffic ranks.
Fatlink.com is the first financial directory in the internet by FAT which stands for Financial Ad Trader- the Internet's oldest and largest financial website banner exchange since March 1997. For example you want a target that your site should have 5000 viewers and to make it easier they can fix it for you and if what you want is to have a banner rotation hosting, fatlink is the best. Duration and prices varies also depending on the volume and usually executed over a one month span. But you can be a member to avail some bonuses and helpful tips on how to make your financial website banners advertised.
There are also other benefits for FAT members to avail like more advertisement credits, free financial contents, free stat and historical updates that will keep you informed how many times your site viewed, increased traffic links and promotion tips to have more extra visitors. Of course there is an extra cost in every advertised made. The more the cheaper.The sites has a total active Financial Ad Trader Members of 216 and a total number of banners served yesterday is 150337. Some webpage uses other source of banners an example of it is the Alexa, it widely used for speed, traffic ranks and if its for the links they mostly used googles.
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YOURCREDITADVISOR.COM REVIEW
In every situation and aspects of our daily routine we encounter different task, different needs and even different questions that we need to be answered. Especially if its about our personal finances. Sometimes, we did some mistakes and later regret as we discover that there are things which are easy than what we have decided.
Over the past decades the top mistakes which people deal are credit cards. Although what we aim for is only to keep them and use for emergency purposes, we disregard them after we get the card. Without measures we end up surprised over huge bills. Needless to say, credit card should be well plan before applying. There are different types of credit cards platinum, visa and master cards. They offer lots of priveledge too.
Yourcreditadvisor.com is a site that can help answer all your question regading loans and credit cards.It was launched in September 14, 2006.If you wishes to have a credit cards you can also apply through the site, you only have to choose from the selection of which type of cards you want to apply but it is wiser to ask first their credit advisor before aquiring one. They publish also credit-related news and exclusive feature commentary through their blogs, which is: Ask the Advisor. If you have questions or comments for the Advisor, you can e-mail them at asktheadvisor@yourcreditadvisor.com The site also did some reviews on which credit cards are most popular to applied. They also write about different loans and categorized them alphabetically. These are business loans, car loans, disaster, education, farm, housing, mortgage, personal loans, recreations and veterans affairs. They have also organized all of their cards and sorted by card type: Advanta,American Express,Bank of America,BankFIRST,Capital One,Chase,Citibank,
Discover,HSBC Bank,MasterCard and Visa. All of the ads in the sites are powered through google.com.
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The Investing.com site review
I've seen, read, scan, and review some of the sites in US and ASIA about personal finances.But this time I was asked to do a site review of a UK webpage which is The investing site.com.The site is not a finacial adviser but only an informative site where they can help people in Britain and other UK countries to be guided correctly on how to save their money and would invest it properly.
They did not advertised or promote products using their page but rather they offer only comprehensive bank guide. In bank guide readers are guided to find their bank branch using their bank finder and locator. You can also find informations regarding your bank accounts. Investing site is powered and owned by infoactive media. All links are connected to other websites which are only covered by the site. Investing.com has a Finance Directory that has the lists of all company details over Britain.
These include accounting, Financial, insurance, investment services, taxation and personal finances. Insurance services offers Accident Claim, Actuaries, Compensation Claim, Health Insurance, Life insurances, etc..The investment services offers investments advices, pension plans and services. Personal finances you may find the friendly society section. In friendly society is more about addresses,and informations. Some of the articles are good and rich in content. The structure of the webpage are fine although there are few minimal malfunctions of the links which only shows little sources and search engines are sometimes not available.
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CnnMoney.com Site Review
Every webpage has their own unique style and structures, they have different contributors also. And mostly they have different links provided for an easy access. With the Cnnmoney.com they have business news,personal finances,technology, retirement,fortune, videos, small business and luxury. But I found out that in luxury you can find there personal finances again but if you will clik the link it will lead you back to the same informations with the first selection of personal finances. In business news they will give information about companies and economy.
Personal finances; in this section you will find out about real estate,taxes, jobs, money magazines, autos and mutual funds.It has money101.A category where you will learn about setting priorities over your money. They will give a step by step guide to control your financial life with lessons provided for a readers. Under personal finances section, they had a help desk that gives best tips on how to make your finances successful.Most of your questions that has been answered found in this category. In retirement they provide experts for you to refer and base there you can decide or choose which funds are best. Technology is more on reviews over gadgets and todays topic is the new released Iphone4.
Fortune has fortune 500 and fortune tech. In fortune 500 is where the lists of top companies and industries mostly in America while fortune tech is about electronics, google, apple and techmate.Again with the technology and fortune they have the same categories although fortune is a magazine.They have also vidoes that you can watch like for personal finances the video is about secrets on happy retirement. In luxury: I am thinking what could luxury contributes to the personal finances.
But under the luxury section you will know about the top luxury cars to buy and best new business hotel, etc. You can also listen to their podcast always.
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SITE REVIEW OF YAHOO.FINANCE
Overview
As we all know, yahoo is one of the fastest search engine in online world.
Anything we can search on the web. From images,videos,word definitions, people, jobs personal issues and even games. They provide access through emails where you can connect with your friends locally
and internationally.They are also 100% trustee certified privacy site which means they will keep your personal information privately and confedentially.You can also access through the use of yahoo.mobile.Where you can experience the difference in using mobile than personal desktop. In total, yahoo serves as an internet portal to people globally.
Yahoo.Finance
Aside from the virtual access they also provide great information which can help us in whatever purposes we had.
With an easy browser you can definitely like and enjoy to which topics you want to go or visit. The network site advertise different web and that includes yahoo.finance.
In Yahoo.Finance, you can read top stories regarding money banking,currencies,mortgages ans stocks exchanges.You can also access to their updated news and opinons about experts advises and investing ideas worldwide. The site also offers personal finance topic. In here you will learn about banking and investing, loans, educations, retirement, career, insurance, work, real estate, taxes and budgeting.
In banking, they have topics where it can serves as a wide opener to all who wants to invest and put there money in the banks. Maybe you have doubts on how much you're going to pay or withdraw ie.time deposit.You can find here also about related topics of credit cards such as informations on how much interests and paybacks as well as rewards. Which can help you think and decide which type of debit card you will apply in the future.
In career and works they are giving guides especially on what are the highest paying jobs today. For retirements, loans, insurances and taxes it has an expert advices which you may follow and will add knowledge. You can also ask questions in whatever topic or subject you like and get answered automatically through there Yahoo.Answer.
Yahoo is 24/7 available all you have to do is to get online and search your desired topic.To enhance more even your doubts mostly if its about your personal finances.
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Marketwatch review
MarketWatch is published by Dow Jones & Co.,with investors and more than 16 million visitors per month.
Market watch has a site index and these are frontpage,commentary, markets,news viewer,investing,personal finance and community.In their frontpage you will learn about politics,industries and economy.You can also listen to their daily podcast in this section.Commentary is where you can connect with the authors or commentarists through comments but I noticed there is one topic over this section that deosn't belong to the category because its about rivals of a basketball teams. It should be related topics especially if the websites is more on finances the subject must be based on it primary and the secondary keywords unless they have subcategories to be more specific.
Market is more on marketdiaries and overview of different data in different continents worldwide like USA, EUROPE and ASIA. You can also used their currency converter. Personal finance gives information or tips on how to spend and save your money and one article title is, Low-ball salary offers: Should you take it or leave it?The site has marketwatch community where you can discover,organized and share your ideas to some of the webpage's readers.
So far the sites has 13,808 fans.You can find marketwatch.com on twitter and facebook. Market watch offers products including the Hulbert Financial Digest suite of products. You can avail it by subcribing them. The site had a radio network which had Radio stations that gives market-news updates every 30 minutes.Dow Jones solutions is aiming that their company could give more relevant informations that would let them be one of a competitive homepage.
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Forbes Site review
Forbes is just like the other business webpage. Where you can log in and be a member to get their freebies and information always. Forbes.com is also a newsletter and a magazine on a web and be stay informed through subscribing and they will email you updates for USA, EUROPEAN and ASIA.
Forbes.com has different CEO which add great contributions to make the network more reliable, more ideas shared, more informations we can get and more innovation approaches.
Their home page offers topics like business, markets, interpreneur, investments, leadership, opinions, lists and personal finances.
The lists section is about who are the top billionaires, models with higher paids, top richest countries, top high-paying jobs and lists of largest companies.
Business talks about bonds, energy, logistics , pharma and health, sports money and entertainment. Enterpreneur has a link over law and tax, sales and marketing. Leadership is about CEO's top stories and reports. Under this section is the forbeswoman.
Which talks about womans community and style, of course exclusively for woman. You can subscribe Forbeswoman through twitter, facebook and linked IN. In opinion, it will let you access on business visionaries. The business visionaries are about video interviews over the thought leaders and authors of different issues.For example an interview with Steve Forbes on How capitalism will save us Each video series also features business around the world, from Nobel Peace Prize winner Mohamad Yunus to the Freakonomics.
All visionaries are unique with one thing in common they are also authors of best-selling books on business.In personal finances you will get investing ideas, philantrophy and financial advisers.You can also read articles about personal finance.
They have also Forbeslife which is about foods, style, luxuries, sports , vehicles and travels. Forbes.com offers a facts and comments with Steve Forbes as their new section on the page.
So far as I reviewed all of their sections, topics and subtopics as well as links are clickable and you can access easy and fast.You can also search for softwares though their software finder powered by capterra.
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Credit Card News - June 6, 2010
re: What Oil Spills Can Teach Us About Dealing with Debt in Canada
It's interesting to read this article. Most of us have been in the position where we get out of control with debts. Spending gets out of control, and it's hard to see our way back. That's why I found this article about oil spills and debt quite intriguing.
When I think about the oil spill off the Gulf of Mexico I feel helpless and out of control with the situation. I've been in the situation similar to this, and it was a long excruciating process back to a point where we got back into financial control. In this debt laden economy I'm sure there's a lot of people that can relate to finances are out of control.
re: VIU will stop accepting credit cards for payments on tuition
I was quite shocked to be honest about the amount of fees that this university pays when people use their credit cards. The article states that the Vancouver Island University pays upwards of $340,000 credit card fees when students pay with their credit cards. Ultimately this cost is passed along to the students.
It also goes to show how much credit card debt is being created by these students. if credit card fees are at say 1.5%, this means that the students are charging an estimated $22,666,667 annually for their tuitions on their credit cards!!
| What Oil Spills Can Teach Us About Dealing with Debt in Canada | | www.bankruptcy-canada.ca - Blog | | Last week I discussed what sunburn can teach us about bankruptcy in Canada. I made the comment that I had met with numerous Canadians in financial trouble who had commented to me about sunburn, and what to do about it. | | Create your own fund for emergencies | | www.calgaryherald.com - Blog | Credit-card payment protection and the tax treatment of accumulated sick days were among the topics raised in the latest batch of reader questions. Here's what they wanted to know.
Q: I have payment-protection insurance on my credit cards and I'm wondering if this is necessary. | | VIU will stop accepting credit cards for payments on tuition | | www.canada.com - Blog | As of September, Vancouver Island University will join more than 50% of Canadian universities that no longer accept credit card payments for tuition.
Credit card payment for student union and activity fees will also no longer be accepted. |
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CanadianFinanceBlog.com Site Review
Canada is among those countries that was hit by worldwide recession. Canadian are stepping forward to beat the phenomena and including their personal finances too. But despite of the odds the government of Canada
helped citizens find their source of income. Although some have gone so far over crisis but a lot of them are unsucessful this because of a well not planned money spending.Others will also have difficulty in deciding which should comes first their life plan or housing loan.Good thing there is a website that give a help on how to make your finances be Canada Finance blogs has 847 readers RSS, 4346 twitter account followers. You can also subscribe and follow them on Facebook account.
The author
Tom Drake lives in Edmonton, Alberta, Canada, married and the head writer and owner of this site CanadianFinanceBlog and a Financial Analyst. His aim is to make his site a source of personal finances for Canadian people.
The site
The site has many links and topic that are categorized. It has rich graphics, photos and the content are in good command of english. It also adds a good feedback to some readers and visitors that are mostly Canadian people. But there are some links that are not working like the twitter link of the author.
The site also include some of the books about personal finances there are 25 items and some of them are The wealthy barber, The richiest man in Babylon , The millionaire next door , 397 waty to save money , etc.. The site also has In the Press section which you can read more tips on personal finances. You can also be a guest blogger and for any articles to be submitted contact Tom Drake.
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Canajunfinance.com review site
The Author
The site is a blogging site. This is about personal finaces of Canadian people. The site was made by Allan Whitton a telecom product manager, married with 4 kids and who lives at Ottawa.
He's into blogging about Finance and Consumerism for 3 years, which is why according to him this site is his Blogging Alter Ego.
The name of the site which is Big Cajun Man was innocently come from their golf game. Big Canajun Man blogsite is powered by wordpress. It has a site meter of 179,563. You can also follow BigCanajunMan and join the conversation a twitter.com with 140 followers’ already. The site is advertising more space.
The Site Context
Unlike any other site canajunfinance has an informal structure maybe because it’s just a blog site. The blog also has a bookshelf . It is based on the author’s personal reviews regarding the books he read that according to him these could help and might be useful as a reference to the readers. The sites archive has many topics but the author simplifies them by putting subjects that will make them easy to find particular matter.
But as I have observed the site doesn’t really talks about personal finance purely, it’s kind of more of the author’s personal view over a particular situation or a topic he encounters. Well, the sites don’t have any problems with links, as all of them are relevant and they are easy also to navigate.
It has other tags and more links to choose from especially if its about financials. But, overall the site needs little improvement because it is appealing to readers or visitors of the site. And, I just wonder why it doesn’t have guest blogger.
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The Financial Blogger site review
TheFinancialBlogger.com
I was asked to write a site review about TheFinancialBlogger.com
There are so many things which we encounter daily. This could be the traffic jam on the road, a little misunderstanding over the grocery counter or perhaps a debate on what you should wear for a party tonight. These are but commonly situations a person will have and we may never even noticed that our personal finances can be a topmost discussed each day.
To some people they don't know what they were going to do with their money. Some may buy expesive things even they are out of budget. While others will keep the cheaper one out of their big bucks. Money matters much without it how can a person live financially free? or how can a person put his earnings budget wise. Personal financial is a huge responsibility. Principles should then be applied in order for you to be out of debt. There are so many financial websites that can be your references like The Financial Blogger site. Financial Blogger or TFB is about finances. The site is owned by Mike, married with two kids. A former banker who is connected now in financial industry specializing personal finances. His passion in this subject is one of his purpose and to create a resourceful website and share other people's financial strategies in this site.
The site has a good outline as well as the designs that surely the readers will have a good time reading the articles. The website also contains a clear purpose of what their aiming for. One of their categories is Personal Finances that has 149 topics. As I reviewed my eyes got stocked at one of their subject which is "What is your relationship with money?". The truth is, that generally a person will have big responsibilty over money. How will you spend and manage them?
Money could build a relationship to everybody. It could be your best friend or an enemy. For readers who wants to follow TFB you can subscribe their RSS and through Twitter account with 480 followers. 
Canada's personal finance blog
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Thicken My Wallet.com Site Review
My personal view
So far with my site reviews the Thicken My Wallet.com has impressed me in terms of website structure.With the classical theme they choose its shows presentable and absolutely clean. Thus, you will not noticed that the site is all about money.It has a unique catching name too. But as I noticed they lack navigations like other widgets which most websites have but plain text only.
Theres no more info about the author too.
The Site
Well, who doesn't want to thicken their wallet with money?..I guess nobody! Imagining, if you are in an aisle with full of money to sweep on maybe you will get a big huge broom to get them all. Considering the fact that we experienced a worldwide crisis. Even the richiest man on earth will definitely think twice to spend and throw his money out without anything in return. So that would be a total lost if he did.Small and ordinary people nowadays spend extra over their "OVER TIME" schedule. And what elses next?
Only a cramp amount of money, perhaps below on their wage rate. So the question is, are there any ways on how we can be of financially free? and, is there a thing that can help us thickened our wallet with lots of money? Thicken My Wallet.com
is from a recovering lawyer who turned into enterpreneur and obviously trying to thickened his wallet with money,too. The site is not advertising on whatever products or discussing any legal advises about finances but they only serves as informational references on how to thickened your wallet.
They have different categories which some of them includes divedends, investments, real estates, money saving techniques, jobs and enterpreneur, etc.. These are all references that can be a tips and of big help to improved your money and savings.
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What is a credit card - 2 ?
There are millions of credit cards in Canada, that come in all flavors and sizes. This article will help explain various aspects of what is a credit card.
Who provides credit cards? Plastic money, as it's called, is provided by companies who specialize in managing vast amounts of purchases by millions of people in countries around the world. A credit card companie must have the computer systems and database systems to be able to manage the individuals current personal and credit information, and help perform instant lending transactions.
This "systems lender" makes its money by annual fees charged to the vendor each time a purchase is made, along with interest fees charged, and service fees charge to the individual customers.
Who uses credit cards? Anybody who is of the age of majority who is able to sign legal agreement is able to have a charge card. Business people and individuals alike use credit cards for travel expenses, household purchases, electronics, online purchases, groceries etc. Pretty much everything can be bought with the instant loan card.
What types of credit cards are there? There are high interest cards, low interest cards, travel reward cards, line of credit cards, and other types of reward points cards. Credit cards themselves are usually made of thin plastic that you can fit in your wallet. Each company has a different logo and identifying and security marks to protect the customer. Each card has an electronic strip so that you can swipe it when making a purchase. The electronic strip holds your information which is instantly sent to the credit card processor which either approves or declines your purchase.
Where can I use a credit card? Convenience cards can be used at pretty much every retail store, restaurant, hotel, airline and online store around the world. It's good to ask a retailer which brands they take before making a purchase. Some retailers will take Visa and Mastercard, but not American Express. The beauty of carry a travelling charge card is that you can use them all over the world. Again, if you're travelling, you may want to call ahead to ensure that the countries and retailers, hotels etc use your credit card before you take your trip. I've heard of cases where people have gone on a trip and have been left cashless because they took the wrong credit cards.
When can I get a credit card? All Canadian banks offer their own version of Mastercard or Visa. They even offer American Express. There are other retailers like Canadian Tire, Capital One, MBNA that offer "independent" credit agreements.
Why do people use credit cards? People use credit cards for various reasons: 1) They don't want to carry cash with them. 2) They want to collect rewards points & cash back points. 3) They like other peoples money for as long as possible. 4) They are short of cash and need a loan to make purchases. 5) They want to buy something online in a secure fashion. That is the beauty of this type of loan facility. It offers flexibility and convenience.
How do I get a credit card You can go to a bank or credit union and go through the paper credit card application process. You can apply at retailers that have their own credit cards. You can apply online for cards such as Capital One. You need to ensure that your credit history and credit score will be within the requirements of the creditor. If you're not sure what this means, give your credit card company a call and ask them what qualifications such as credit history they will ask for to be approved for their various plastic money products.
SEE ALSO
References
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What is a Collection CallA collection call happens when a collection agent, working at a collection agency calls a debtor who is behind on payments as according to the terms and conditions of the credit agreement.
Who Makes Collection Calls?
Only Provincially licensed collection agents who are working at Provincially licensed collection agencies are allowed to make collection calls.
These third party collection agencies should have written agreements with creditors to collect debts that are past due or where payments have stopped
Who Receives Collection Calls?
An individual who is behind in making payments, or stopped payments altogether will receive notifications by telephone, or mail from a licensed firm.
In the agreement the debtor signed, they've allowed the creditor to use a third party bill collector should they not make payments up to date and as agreed to.
Where is a Collection Call Made to?
A collection call can be made to the individual's home, or to their place of employment. Agents will call all sorts of places trying to locate the debtor, if the debtor's contact records are out of date.
Usually a collection call is made to the debtors home, and there are rules and regulations that need to be followed by the debt manager. Each province has regulations that limit where and when a call can be made.
When is a Collection Call Made?
Contacting a debtor should usually be done at reasonable hours. Usually the hours are between 8 am and 9 pm, the same times that telephone solicitors are allowed to call.
Each province has different regulations on when collection calls are allowed. Most times collection personnel are not allowed to call on weekends or holidays and at certain hours.
Why are Collection Calls Made?
There is an agreement set in place between the debtor and the creditor. In short, the debtor borrows money from the creditor and agrees to make interest and principal payments at agreed times.
If these payments are not made, that usually triggers collection activities.
As to why the borrower isn't making payments could range from pure neglect to the fact that they just lost their job, or acquired an illness and their cash income has been cut off.
A creditor's income is the interest it charges to the borrower. It must be able to control the payments coming in from it's customers.
Understanding that it's customers payments are not always going to be smooth and steady, it has to use a system to encourage prompt payments. This ensures that the creditors cash flow is in tact.
How are Collection Calls Made?
When the payments are not made by the debt, the creditor's computer system flags the late payments automatically and then these database records are sent (hopefully securely) to the collection agencies computer system.
These days, collection agencies are usually automated with powerful computer systems and data management systems.
Many times collectors are based in call centers with several employers. Using an automated dialling system, the collection agent makes several calls over the course of a day. The more efficient the telephone and data system, the more calls can be made by the debt management company.
Collection calls are regulated by each province. If you're having more questions or problems please contact your local consumer protection for advice on how to deal with individuals and companies that work for creditors to herd in their payments.
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Michael Jackson - The machine was too much Despite how weird and uninteresting I thought Michael Jackson had become, I watched the news yesterday, as it was interesting on a business and personal finance level. The news agencies reported that Michael Jackson owed $500 million or 1/2 billion dollars, and that these debts were backed up by all of his musical and real estate assets and incomes.
I'm absolutely dumbfounded that an individual can owe $500 million. They had Michael Jackson's business consultant on CNBC this morning and the consultant mentioned that he had helped Jackson from avoiding bankruptcy in 2004.
The Machine is too big for an individual. In my opinion, Michael Jackson was on so many drugs, reports include demerol and morphine, just to avoid his life and his debt responsibilities.
He had a major tour scheduled in London and the revenue was reported at $50 million for 50 days. If the star is on that many drugs, and in that rough of shape, would he be able to even do a tour? The point that I'm getting at is this: business and individuals are great at building structures these days. But we're building things that are too large to handle. The banking system almost failed because it was too large for even the government to handle. In Michael Jackson's case, it seems that his empire was way too large for him to handle.
TOO BIG TO FAIL?!! This is certainly a attribute of our society these days. It seems that there are many companies that are too large to fail, including General Motors and AIG Insurance.
Many individuals have taken on considerable amounts of debt in their lifestyle, and it's causing structural problems for themselves and their families. Too much debt can be a problem if your health suffers, and you begin to lose control on how to make payments on the debt. I think this is definitely the case with Michael Jackson - especially since his debt was an unbelievable $500 million
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What is an annual percentage rate (APR) Annual Percentage rate is calculated on many consumer loans, mortgages and credit cards etc. It's a term that every body who has credit , or is interested in credit should learn about. The reason being is that this is how you're being charged interest on your loans. Just as you should know how to calculate GST & PST on purchases made, you should also know roughly how to calculate the interest costs on your loans.
If you're not a math wizard and do not understand the terms, then it would be prudent to get a friend or professional to help out. The more you understand how annual percentage rate is calculate, the better you can base your decisions on the types of credit you use, the amount of interest you pay, and which creditors are charge the highest, or lowest interest rates.
You could be spending more money on interest costs than you really need to. You could use any extra interest rate costs saved on paying down your debt. It's imporant to know that interest can be calculated daily, monthly, semi annually or annually. It all depends. It is good to ask your creditor how they're charging you, and if there is any more cost effective way you could pay.
Also...If you 're paying a high annual percentage rate, ask the creditor how you can get the lowest APR possible.
DEFINITIONS Who what where when why how?
According to http://www.businessdictionary.com annual percentage rate is Standardized method of quoting the effective interest rate (actual cost of credit) on consumer loans, specially where interest is computed on monthly or other non-annual basis. An APR includes all fees (except penalties), and takes into account the continual reduction of principal amount through amortization. See also add on loan.
According to http://www.mortgagefit.com/apr.html APR (Annual Percentage Rate) to compare mortgage lenders If you're willing to know how much your mortgage costs, the APR or Annual Percentage Rate is what you should watch out for. Lenders are required to disclose the APR as part of the Truth-in-Lending disclosure (as per the Truth-in-Lending Act). What is APR? The APR is not the actual rate or note rate advertised by the lender. It is the effective rate which represents the cost of borrowing a mortgage loan. Lenders calculate APR taking into account the closing costs and the interest rate on a mortgage. As a borrower, you too can calculate the APR using the APR Calculator.
The Annual Percentage Rate is often used to compare mortgage lenders and the programs they offer. However, it is not an effective tool for lender/loan comparison because a mortgage with high APR may often be a better option compared to one with a low APR.
What fees/costs does the APR include? Some of the fees/closing costs that the APR includes are: Points (discount and origination points) Prepaid interest (from closing date to the end of the month) Loan processing fee Underwriting fee Document preparation fee Private mortgage insurance
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What is high interest credit?High interest credit cards, and loans are pretty common these days. They can range from high interest car loans, credit cards, and lines of credit... even mortgages.
As the major source of income for banks, credit card companies and other lenders, high interest is charged as a way to make money, and build a reserve against non-payment of loans and other expenses.
Who, where, when, why, and how
Who Charges high interest
Any credit provider who has high risk clients. Generally, a creditor will charge high interest rates if they are in a higher risk situation.
Payday loan companies are usually the highest interest rates charged as they deal with people with all types of credit situations. Many times people with no credit rating use payday loan companies for loans because they can't get credit with more traditional lenders.
Merchant credit cards like Sears, or HBC, or HomeDepot will charge 29.99% on purchases where a balance is outstanding.. This is called retail interest rates. The retailer makes some of it's profit from the interest charged.
Who pays high interest rates?
There are two kinds of consumers who pay expensive interest rates.
The first are those who have bad or no credit score, and are penalized for their new credit history or less than perfect credit history.
The second are those who pay excessive interest costs because they aren't aware that they could lower their interest just by asking for lower interest rates. The truth is, creditors aren't going to promote their high interest products because this is where they make their money. So... if your credit score has gone from bad to good, they're not going to automatically to move you from a ballooned interest charge to lower interest without you asking.
Ask for a lower interest rate. the best thing that can happen is that you'll learn what the creditor requires to move you away from higher margin products.
Which rates are high interest?
High interest rates are considered to be 14.9% and higher. If you're getting lower than 14.9% you'll need to have a pretty good, low risk, credit story.
If you're paying 29.9%, this means that either you're really bad risk, or you're not really savvy when it is available in the market place.
When do you get charged high interest?
Interest charges are usually calculated monthly. On a credit card, the interest charged will be on the outstanding balance at the time of the statement. Please see your credit card agreement and contract for more explanation.
Some interest is compounding daily, but I'm sure that most interest is accumulating by the month.
Why do you get charged high interest?
As mentioned above, people who pay exhorbitant interest rates are those with little credit history, bad credit history, or people who don't know about asking for low interest rates.
Bad credit comes from not complying with your credit agreement. If you pay your bills late, or do debt settlement, consumer proposal etc, then these types of activities will lower your credit score, and indicate to the creditor that you're a bad credit risk.
A creditor who lends to higher risk clients has to assume that they'll have a certain percentage of clients who default on payments. Defaulting means that the customer doesn't pay the interest and principal amounts uptodate and as agreed.
How do you get charged high interest?
The creditor simply decides that the based on your credit history, and credit score, they'll charge you rates that make sense to them.
In the contract, usually, the creditor is able to increase your interest rate, by first giving you notice, whenever they feel like it. It's as easy as that.
If you get a notice that your interest rate is going to get higher, then I suggest asking them to keep the rate the same , or lower, and / or move the debt to a less expensive credit facility.
Please check the written agreement you received from the creditor . This could be at the time you signed up for the account, or a revision sent to you at a later date.
The creditor has a great deal of power to give you a more expensive interest rate, if they choose to.
Ultimately, a profitable interest rate means that you're paying more money for credit. This allows less money for spending on other necessities.
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What is Making Money?
The idea of making money is as complex as there are people and products and services in Canada.
Who Can Make Money?
Any individual at a responsible age and older can make money. That's a basic fact. Starting from a child of 10 years old with their newspaper carrier route all the way up to a 90 year old who is self employed with a home based business.
What Can Make You Money?
Any product or service that is found to be valuable by an individual or company. If a product or service is valuable and in demand then it is likely to make a return on investment. In the North American market place, there are thousands of products and services that individuals and corporations use in day to day living and operation.
The key to this is to find a product or service that you're passionate about, and that you have a competency in selling.
Making Money - Where Can You do it?
The location of where you make your money can range from an employers place of work, to your own home. While there are millions of employees who commute to work each day from their homes, there are also individuals who work out of their homes. It all depends on the lifestyle that you would prefer.
The place where you make money needs to make sense. If you're working out of your home, you would need to be doing selling a product or service that would lend itself to the home and neighbourhood.
It would not be appropriate to have a heavy manufacturing plant using toxic chemicals in your house. It could be appropriate to sell retail items or even do accounting or advertising out of your house.
Making Money - When Should You Do It?
Obviously there is a need to generate income all throughout our lives. From the time the children are young, til the time we retire, we need to have a source of income to then become wealthy enough support ourselves.
A teenager will usually want to make some extra money with a part time job, so that he/she can have some spending money to buy electronic gadgets, go to the movie, or buy junk food to hang out with their friends.
As adults we need to make money to pay for our basic needs such as food and shelter and transportation, and then afterwards buy the luxuries that we want to enjoy. Our goal should be to thrive and prosper.
By the time we get to retirement age, we'll need to have our retirement funds make money for us, so that we can enjoy our retirement without financial worries.
Making Money - How Can You Do It?
As talked about earlier, there are many different ways to generate income. You can "strike it rich" so to speak, by either being self employed, or by being employed.
If you're employed by a company, they will generally give you a job description and a corporate structure in which to work. They will have products or services that already have a demand to work with. Their marketing department, human resources, financing, software systems etc will already be in place so that you don't have to create them.. All you have to worry about is fulfilling your job description.
Being self employed is alot more complicated way to create dividends. Simply put, being self employed means that you need to create a product and/or service and then the business structure with which to sell & service your product.
There are many things to consider when we talk about the different aspects of What is Making Money?
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CMA Blog Home
Review of www.onlinecasinoreports.caI was asked to do a review of this canadian online gambling guide, and, as it relates to spending money, I thought I would accept.
This is a new Canadian site that relates to: online bonuses
online games, Gaming, Entertainment, Gambling, Personal, Reviews, Sports, Media for Canadians.
This site is a canada gambling directory and it lists software and organizations such as responsible gambling to international trade agreements. It seems to be more of a full featured gambling reference.
Another feature of this site is that is lists canadian dollar online casinos. This page lists many sites that allow you to gamble online in Canadian dollars.
If you've got sufficient funds to gamble, this may be the site you want to check out.. if you're researching online gambling in Canada.
PLEASE NOTE: It is the strong opinion of this site that a person needs to use self control when gambling. Gambling should be treated as entertainment, and as such we recommend that you have a budget allocated for entertainment, and stick to this budget in a strict manner. IE... putting gambling expenses on your credit card when you don't have cash reserves to cover the gambling expense is a bad idea. Gambling is only a good idea if you have sufficient cash to make your expenses and then have enough room in your budget for extra entertainment expenses. This is the opinion of this website.
this is a sponsored review.
canadian online gambling guide
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CMA Blog Home
What is a Collection Agency?
A collection agency is defined by Wikipedia as a business entity that pursues payments of debts owed by individuals or businesses. Most collection agencies operate as agents of creditor and collect debts for a fee or percentage of the total amount owed. There are many types of collection agencies. Most of first-party agencies are subsidiaries of the original company. Third-party agencies are separate companies contracted by a company to collect debts on their behalf for a fee. Debt buyers purchase the debt at a percentage of its value and then attempt to enforce collections.
Pls. refer to: wikipedia.org
The article talks about the collection agency, the Canada Collection Agencies Act, the recommended process of dealing with collection agencies and how to deal with collection agencies.
What is the Canada Collection Agencies Act?
In Canada, regulation is provided by the province or territory where the collection agencies operate. The law is called the Collection Agencies Act and permits a government ministry to make regulations as needed. Regulations include calling times, frequency of calls and requirements for mailing correspondence prior to making telephone contact. There is a limitation period of two years for debt collection in Ontario and Alberta. The limitation period for other provinces is six years. When the allotted period of the debtor’s formal intention to pay the debt expires, the collection agency nor anyone else has legal authority to collect it. Credit bureaus will still retain the debt and the collection on your credit file for 6–7 years depending on the province. Although the collection agency can continue to collect or attempt to collect the debt, they cannot garnish or place a lien on the debtor past the limitation period. This is the rule unless the court upholds a new date of last activity on the account. In Manitoba, the governing document is the Manitoba Consumer Protection Act. Complaints regarding violations of the Act should be directed to the Manitoba Consumer Protection Board which can mediate or enforce the act.
Pls Refer to: moneyproblems.ca
How to Deal with Collection Agencies?
You are behind in your payments and debt collectors or collection agencies start calling you. What should be your initial response? You will need to formulate the right strategy in dealing with collection agencies.
You should know your rights as a consumer. How do you stop collection calls? What are your responsibilities? How should you be dealing with collection agencies? These are the basic questions that come into your mind. Remember that the people that you owe money from or your creditors have a right to try and collect that money. If they do not talk to you, how will they become aware of and understand your situation. Thus, it is important to be informed about the rules about collection procedures.
What are the Rules regarding Collection Agencies?
Money Problems.ca has outlined the rules that Canadian’s must know about collection agencies. Be aware about what debt collectors can and cannot do. You must also understand fully what you need to do to help you deal with collection agencies. The rules for Ontario and the legislation is similar but not identical in other provinces and territories.
- Collection agencies may not harass you or your family. Calling you once or twice a day is acceptable but doing this ten times a day is harassment. If you believe a collection agency is harassing you, keep a record of the time, date and frequency of the calls. This information is required if you decide to make a formal complaint against the collection agency.
li> Collection agencies may not call you on a statutory holiday, on a Sunday before 1 pm or after 5 pm, or on any day before 7 am or after 9 p.m.
- Collection agencies may not contact you (by phone, voicemail, or e-mail) more than three times in any seven-day period on behalf of the same creditor.
- Collection agencies may not contact your friends, relatives, neighbours or employer for any information other than your address or telephone number, with limited exceptions. These involve special cases, when, for example, someone has co-signed for a good or service you have purchased.
You should deal with collection agencies in a straightforward and professional manner. Try to treat them the way that you like to be treated yourself. Don't allow them to bully you into making commitments that you know you cannot keep. If you do make a commitment - keep it. If you cannot, be certain to explain to the agent why this is not possible. Ignoring collection agencies' attempts to contact you will not help you solve your problems. It might stop the collection calls but they may simply proceed with the legal action.
How should you deal with collection agents?
- Do not ignore them as they will not just walk away. Talk to them and explain your situation. Tell them directly if you are not employed or cannot make any settlement. Avoid a long discussion with them. They want to keep you on the phone and upset you so you will pay them money. Tell them your situation and then hang up.
- If you can pay them, tell them what you can afford, and offer to send them the money. If you can afford $200 per month, offer to send them $200 per month. They may ask for $400, but never commit to pay more than you can afford.
- Finally, if you cannot afford any payment, consider your options. Debt problems will not simply go away. Bill collectors are calling because you owe money. If you eliminate the debt, you eliminate the phone calls.
Use the Debt Options Calculator to estimate your monthly payment if you find a way to actually eliminate your debts.
If your money problems have become too big and dealing with collection agencies is more than you can handle, seek professional help. Each of our consumer proposal administrators and licensed bankruptcy trustees provide free initial consultation. They will analyze your situation, possibly advise you on how to stop the collection calls, and explain the debt management solutions available to you.
Manage the Problem Smartly
Make sue to handle these issues properly and in a clever way. Since the guidelines and pointers have been given, follow the tips so there will be an early resolution of your problems.
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2012-11-13 23:08:19
Cbv Collection Services Problems
same deal,,these criminals sent a bill saying i owe 18,000$..hilarious,,they call me 5x per day..i am taking rogers to court..small claimes..why not y
Comment By:karen cliff
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2012-11-13 13:18:44
Retail Theft Could Get You Sued
I keep receiving emails and phone calls from people who think they can simply ignore the letters from these Civil Recovery lawyers.
Don't.
They
Comment By:Gerry Laarakker
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2012-10-18 08:23:07
Retail Theft Could Get You Sued
Bank statements can be demanded or balloon a day even fail to repay the debts incurred from the varied lenders. The offered amount in such cash untill
Comment By:Spadiatrere
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2012-10-09 12:42:44
Credit Repair Canada 3 Things You Should Know
to , take up a new job. Also, reflect on investing in generating a payday advance loan while using classmates and more, typically the segments. The in
Comment By:WarbabsjamY
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2012-09-30 20:03:01
Cbv Collection Services Problems
I had a telus pay as you go phone from 2003 2008 and now cbv collectons is claiming that i owe over 1500 dollars, the last time they called i called
Comment By:marcus
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2012-09-25 10:19:31
Cbv Collection Services Problems
Had a bogus 'roaming charge' bill from Telus a few years back. Got mad at them and switched providers. It went to CBV. Yes, they are persistent and
Comment By:Scammed
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2012-09-23 07:37:50
First Canadian Finance Scam Site
While these aforementioned dangers are a cause for legitimate concern, there are other dangers that derive from perceptions that often have no basis i
Comment By:effomicok
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2012-09-16 16:42:15
Retail Theft Could Get You Sued
I am sick of all you so called legal counsel, wanting money from me , there was a reason i was stealing the items in the first place, i have no money!
Comment By:a shopplifter
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2012-09-13 11:18:04
Car Repossessed Trouble With High Risk Car Loans
Our car loan was with wellsfargo to begin with then transfered to carfinco,. Have never had a problem with them yet and have less than 2 years left on
Comment By:Darlene Fougere
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2012-09-02 18:27:17
15 Blog Post Articles That Talk About Equifax
obviously like www.canadianmoneyadvisor.ca however you need to test the spelling on several of your posts. A number of them are rife with spelling p
Comment By:promotion site
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2012-08-31 11:32:19
Retail Theft Could Get You Sued
so i went in zellers and i baught bus tickets. then walked around playing with toys, and i was with a friend, we're both adults who like stupid toys.
Comment By:Aj.
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