Finances

Over the last ten years, I've tried out a variety of credit cards so I know all about the good, bad, and ugly.

Two credit cards to avoid are Chase and Capital One.

Both of them have had numerous lawsuits. For good reason.

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I've been gone for awhile, and I'm not sure how often I'll be checking back in, but I had something to say about what's going on with the primaries thus far.

Truthfully, I'm tired of it all. I'm tired of talking about what someone did or didn't do back in 2003. I'm tired of talking about tax returns, plagiarism, Iraq, and, believe it or not, healthcare.

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I've been using Bill Pay through US Bank for quite awhile now. I really like it. Most of the bills I pay are not able to be electronically transfered, so generally it gives a pay date of five days in the future. Last week though, I found out that this is not accurate.

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Well, I just read some great news! It's so good that it even compensates for spending another Valentine's Day single. In an attempt to help encourage Americans to shop and boost the economy, many of us will be getting a tax rebate check or direct deposit. The amount? Drumroll please.... Between $300 to $1,200. I always did like President Bush!

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Passive income is money that you don’t have to go to work for. Ideally, you set things up, and income starts trickling in – or streaming it, which we would of course prefer. Some ways of arranging it are:

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Did you know that the average credit card debt among all American households is $8400?

Most credit card companies have now doubled their minimum payments. This can be good and bad. Good because it reduces your balance faster. Bad if you are already overloaded with credit card payments.

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Investments are something I have really been thinking a lot about lately. As a single mother, with two children I know for sure that I am going to need 2 college funds in the next 10 - 15 years. I want to prepare for my future and my childrens as well.

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You know, I see things going on in our Country that really concern me. It makes me wonder how far we have really come.

Almost daily on the news, you see arrests made of sexual perverts. Disgusting, depraved people that prey on innocent children and the elderly. Not to mention the ones in between. We see gas prices that keep going up. Groceries are more expensive. Milk is expensive. Housing and electric. We are being taxed on everything, even shopping at Goodwill. It's hard for people to make it.

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Modernlend.com is a good website for lenders to find qualified leads. They actually have a website for potential borrowers to apply for home loans. Then, they turn around and provide these leads to registered lenders.

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It seems like everything is based on credit anymore. Even home or apartment rentals. Sometimes jobs. A lot of car insurance companies check your credit out as well. I find that truly unbelievable that your car insurance rates can be based on your credit.

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Real estate appraisal is a term you hear a lot. But what exactly is it?

Real estate appraisal is basically an opinion of the value of real property. Market value is generally used. Market value is usually defined as:

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So my At&T phone service stopped working as well as the DSL I had through them.

I called them, and I spent over an hour on the phone with them total. The first 45 minutes was spent with an automated line. Finally, I got through to a live rep and was told that there internal test showed it was an inside problem. Than I was told that for them to come out would cost me $130 just to show up. I was so shocked!

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If you have been wanting a copy of The Secret by Rhonda Byrne, you are in luck! Getting Out of Debt is currently running a contest and the prize is a FREE Copy of The Secret.

Why is this book so popular?

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Answer these questions truthfully:

1.) Does your spouse or partner complain that you spend too much money?

2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

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Have you ever drove down the road, and saw a person standing there with the sign that says "Will work for food"?

I see this all the time.

As a single woman, I encounter a form of this a lot in the dating world. There are a lot of people in this world that are just content to get by. They have zero motivation, and no desire to even work. This is a really unattractive trait.

As a single mom of 2 children, I really have to work hard to make the bills and try to provide a life for us. The last thing I am looking for is someone that does not want to work or has a billion excuses as to why they can't get a job.

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