How to Find the Perfect Gift

You know the feeling. As you place a meticulously wrapped gift on a table filled with other presents, you can’t help but second-guess your choice. “Will they really like it? Did I spend enough on it? I wonder what’s inside that one…” The reason we give gifts—whether for weddings, birthdays, retirements, or holidays—is beside the point. The best gifts are those that let the recipient know you had no one else in mind when you chose it. By following a few simple guidelines, you can avoid any second-guessing yourself the next time you shop for a special occasion. Who are you shopping for? Consider the recipients’ ages, the hobbies they enjoy and their profession when thinking about gifts. If you’re …

Auto Insurance Quote: Should I Include My Children When Getting A Policy Or Purchase A Separate One?

Word Count: 535 Summary: Parents can consider car insurance as expensive. But when the safety of your children is on the line, the cost does not really matter at all. However, there are factors involved when deciding to whether to include your children when getting a policy or purchase a separate one. And sometimes, the decision to make is a bit confusing. To make your decision making easier, you have to weigh the following factors and decide which is most advantageous to you: Cheaper rate – Au… Keywords: auto insurance quote Article Body: Parents can consider car insurance as expensive. But when the safety of your children is on the line, the cost does not really matter at all. However, …

How To Boost Your Credit Score

Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies. In 2000, Fair, Isaac Co., the major supplier of credit scoring software, announced they would begin sharing credit scores, also known as FICO scores, with consumers. What is a credit score? A credit score is a tool used by credit grantors to determine your ability to repay your debts. The information in your credit report is compared and evaluated against tens of millions of other consumer credit reports which gives you a credit score or number ranging from 350 (highest credit risk) up to 800 (lowest credit risk). A higher score means you are less likely to …

How to Beat the System and Actually Get Free Gifts from Incentive Programs

We’ve all seen the flashing banners, annoying pop-up ads and junk emails with the too-good-to-be-true free gift offers, like “Free iPod!” or “Free Laptop” or “Free Digital Camera.” Many of us simply think to ourselves, nothing is free; this is just a scam, right? Not necessarily. The plain and simple fact is, many incentive programs actually do work, according to their Terms & Conditions. But who really wants to read all of that legal mumbo jumbo? Well I’m here to tell you that I have read the fine print for many of these free gift incentive programs, and even completed a few. That’s right. I have received a few free gifts from these programs, including a Sony Vaio Laptop, an …

How to Avoid the Post-Holiday Financial Blues

Are you financially prepared for the Holiday Shopping Season? Will you be making your purchases with cash or credit? Do you have a planned amount of money you will be spending on gifts? If you owe $5,000 of more on your credit card or know someone who does, who only pays the minimum payment each month, you are not alone. The levels of consumer debt are increasing rapidly around the world. A Debt is Not Just for Christmas Christmas is the time of year when many consumers fall into the trap of spending too much money on expensive Christmas gifts. Most of these purchases are made on credit cards rather than using cash. This means these consumers often end up …

How To Avoid Scam Artist When Donating To Tsunami Relief

Millions of people have shown their true character by making cash donations to charitable groups providing relief to those devastated by the Tsunami. While your actions are a shining example of the best traits of people, a few unsavory groups are trying to make a profit off of the tragedy. You can avoid these scam artists by taking a few simple steps. Charitable organizations rely on tax- deductible contributions as their primary funding source. Before an organization can offer the benefit of a tax deduction for donations, it must be classified as such by the Internal Revenue Service. The process is arduous and effectively acts as an informal investigation of the legitimacy of the charitable organization in question. Fortunately, the …

How Much Will I Pay in Equity Loan Fees?

Equity loans come with many fees and costs. Therefore, homeowners or borrowers are wise to select a loan that has the cheaper rates. Over the course of any loan, a borrower will pay a deposit on a equity loan. The deposit is a contracted agreement exchanges between seller and borrower. The deposit is usually a percentage of the home value, which extends as much as ten percent, or more. Other fees, such as the legal cost and conveyance fees will cover the legality of the agreement. This is important to understand, since lenders will often hire in a solicitor to inspect the home. The homeowner has the right to request his own inspector, thus potentially saving costs and fees. The …

How Much Rent is Too Much Rent?

You want what every apartment renter wants: the most comfortable surroundings you can get for the lowest possible monthly rent. Some of today’s newly constructed apartment communities have taken luxury to an entirely new level. Some complexes have gas fireplaces, TV monitors by the front door, drive-through mail service, and office equipment for their tenants, among other creature comforts. Every renter has to consider the importance of amenities like these. Are they important enough to you to merit a rent increase of perhaps $200 more than the rent you pay now, at a modest yet affordable complex? While some of us consider an apartment as just a place to hang one’s hat, others place a premium on home surroundings. But …

How Long Will It Take To Sell Your Home?

I am often asked how long it will take to sell a home in today’s market. Many parts of the country are generally enjoying a seller’s market and have been for several years. Apart from the obvious factors (e.g., homes in very high price ranges have fewer buyers than $300,000 homes), a word about economic reality is in order. We have all been taught that the real equation in real estate is “location, location, location.” This is utterly false. People actually live in Kansas! The real equation in real estate is price vs. condition. If your home is marketed effectively, (i.e., at least two dozen showings, and it’s in the best possible showing condition) you should get a favorable response …

How I Saved MY Family $133.88 This Month

There is one simple thing we all can do to save money. A few months ago I was checking over my phone bill and discovered that I had been charged for $3.99 monthly over a period of about 6 months. The charge was for International Call Plan, which I never signed up for. I do not call overseas, therfore I do not need that plan. I cannot remember now how much if any credit I was given. This month I decided to go on line and pay my phone bill as I do many of my bills. And I clicked on the link that led me to My Services. I was being charged for DSL and Dial-Up. Anyone knows if …

How Does Debt Consolidation Stack Up Versus Debt Settlement?

Where to Get Debt Consolidation Help Is there help for debt consolidation? Sure, there is; and the help is available for free in some areas. If you suffer bad credit, then you can get help by reviewing the free do-it-yourself kits at the local libraries. Debtors can go to the public library and find help books that will direct you from beginning to end through the steps of paying your debts all the way to repairing your credit. The majority of libraries will allow you to copy and print the forms inside the guides. This means you can simply fill in the blanks, submit the forms to the right sources; and you will soon be on your way to debt …

How Do I Know Whether Or Not I Will End Up Saving Money When Refinancing My Home Loan?

To save money, you must live in your house longer than the “break-even period” – the period over which the interest savings just cover the refinance expenses. The larger the spread between the new interest rate and the rate on your existing loan, the shorter the break-even period. The more it cost to get the new loan, the longer the break-even period. But be careful. The break-even period is not the cost of the new loan divided by the decrease in the monthly mortgage expense. This broadly used rule of thumb is a misapplication of the principle that when explaining something to the buyer one should “keep it simple.” Simple is fine, except for when it is wrong. The rule …

How Do I Choose A Good Insurance Company For My Needs?

It’s easy to see which company is least expensive, but when you need them to cover a claim, what kind of job will they do? To put it another way, which is the most reliable insurance company? Here’s some quick tips to help you choose the right insurance company for you. Visit your state’s department of insurance and check consumer complaint ratios and basic rate comparison surveys. Get in touch with local body medical practitioners you trust and ask which insurance companies they recommend. Consider contacting an insurance agent for additional information about a particular insurance company. Check out the financial strength ratings for an insurance company by referring to the A.M. Best and Standard & Poor’s ratings. There’s so …

How Debt Consolidation Mortgages Work

When families and individuals have credit issues, it frequently becomes easier said than done to survive, let alone get a loan to save your home. Credit troubles can create a disordered future and this can sometimes lead people to give up hope. Today, lenders specialize in helping families and individuals find sources to consolidate their debts and save their home. The lenders will evaluate the three credit reports, and if the reports show defaults, they may be reluctant to provide a loan. However, if the reports show effort to clear up the debts, the lender may bear in mind that you had uphill challenge, but you are still making effort to take care of your debts. The disadvantage of debt …