Toinette and the Elves - Susan Coolidge
The Voyage of the Wee Red Cap. By Ruth Sawyer Durand
A Story of the Christ-Child (a German Legend for Christmas Eve) - Elizabeth Harrison
Jimmy Scarecrow's Christmas - Mary E. Wilkins Freeman
Why the Chimes Rang - Raymond McAlden
The Birds'Christmas (founded on fact) - F.E. Mann
The Little Sister's Vacation - Winifred M. Kirkland
Little Wolff's Wooden Shoes - Francois Coppee, adapted and translated by Alma J. Foster
Christmas in the Alley - Olive Thorne Miller
A Christmas Star - Katherine Pyle
The Queerest Christmas - Grace Margaret Gallaher
Old Father Christmas - J.H. Ewing
A Christmas Carol - Charles Dickens
How Christmas Came to the Santa Maria Flats - Elia W. Peattie
The Legend of Babouscka - From the Russian Folk Tale
Christmas in the Barn - F. Arnstein
The Philanthropist's Christmas - James Weber Linn
The First Christmas-Tree - Lucy Wheelock
The First New England Christmas - G.L. Stone and M.G. Fickett
The Cratchits' Christmas Dinner - Charles Dickens
Christmas in Seventeen Seventy-Six - Anne Hollingsworth Wharton
Christmas Under the Snow - Olive Thorne Miller
Mr. Bluff's Experience of Holidays - Oliver Bell Bunce
Master Sandy's Snapdragon - Elbridge S. Brooks
A Christmas Fairy - John Strange Winter
The Greatest of These - Joseph Mills Hanson
Little Gretchen and the Wooden Shoe - Elizabeth Harrison
Big Rattle - Theodore Goodridge Roberts
AND
50 Children’s Christian Stories-that teach values from the Bible
Daddy the Superhero
Sharks
The Window in Time
Bad Imaginary Friend
The Rumor with Furry Feet
Fat Wally and the Piggies
AND MANY MORE!!!
CLICK HERE TO ORDER NOW FOR ONLY $1 BEFORE THE PRICE GOES UP!
Monday, December 17, 2007
Saturday, November 17, 2007
Credit Repair-Debt-n-Letters
Collections agencies calling you and leaving those nasty messages on your answering machine? Stop the calls. Get that bad credit off of your credit files. Fight back. Contains proven letters to send to creditors and collection agencies to dispute your debts, phone scripts to tell you what to say when discussing delinquent accounts with bill collectors, special instructions to help you keep accurate records and a log of all communications (which could save you in court) and more!
ORDER DEBT-N-LETTERS RIGHT HERE FOR ONLY $5
Tuesday, October 16, 2007
The benefits from Credit card debt consolidation
Credit card debt consolidation
Credit card debt consolidation seems to be the most talked-about term in the world of credit cards. It is true that credit cards have been very useful and convenient for us and we, in fact, treat the credit cards as a necessity. However, with every good you have evil too. In the world of credit cards, Credit card debt is that evil and Credit card debt consolidation is often regarded as a medicine for treating credit card debt.
Anyone who has read any newspaper articles on Credit card debt would already know what credit card debt consolidation is. However, just for the benefit of others, credit card debt consolidation, in simple terms, is the process of consolidating debt which you hold on various high APR credit cards onto just one low APR credit card. Thus, the main benefit of credit card debt consolidation is realized in terms of APR reduction (and hence reduction in credit card debt growth rate). This is touted as the most important benefit (and sometimes the sole benefit) from credit card debt consolidation. However, credit card debt consolidation comes with few more benefits as well. Some of these credit card debt consolidation benefits are widely publicized by the credit card suppliers and some not so much:
1. Initial APR: As mentioned above, lower APR is the biggest benefit from credit card debt consolidation. Since credit card debt consolidation is used by credit card suppliers as a tool to attract consumers, they generally offer a 0% APR for a initial period of 6-9 months of you joining their credit card debt consolidation program i.e. first few months after you get the new credit card.
2. Standard APR: Lower standard APR (i.e. the long term APR) is the other important benefit from credit card debt consolidation. Though not all credit card suppliers offer a lower standard APR with credit card debt consolidation some do design credit card debt consolidation programs with good standard APR. These credit card debt consolidation programs offer a trade-off between initial and standard APR rates.
3. 0% on purchases: This is another common benefit from credit card debt consolidation. The 0% interest (or some lower percentage) on purchases is offered as an incentive for credit card debt consolidation. This credit card debt consolidation benefit is again applicable only for a short initial period.
4. Easy management: This credit card debt consolidation benefit is not as discussed as others. However, one benefit of credit card debt consolidation (from multiple to single credit card) is the fact that you need to track and manage a lesser number of credit cards.
5. Other benefits: The credit card debt consolidation exercise might bring you some more benefits in terms of rebates, discounts and reward points (especially if you move to a co-branded card as part of credit card debt consolidation)
Credit card debt consolidation seems to be the most talked-about term in the world of credit cards. It is true that credit cards have been very useful and convenient for us and we, in fact, treat the credit cards as a necessity. However, with every good you have evil too. In the world of credit cards, Credit card debt is that evil and Credit card debt consolidation is often regarded as a medicine for treating credit card debt.
Anyone who has read any newspaper articles on Credit card debt would already know what credit card debt consolidation is. However, just for the benefit of others, credit card debt consolidation, in simple terms, is the process of consolidating debt which you hold on various high APR credit cards onto just one low APR credit card. Thus, the main benefit of credit card debt consolidation is realized in terms of APR reduction (and hence reduction in credit card debt growth rate). This is touted as the most important benefit (and sometimes the sole benefit) from credit card debt consolidation. However, credit card debt consolidation comes with few more benefits as well. Some of these credit card debt consolidation benefits are widely publicized by the credit card suppliers and some not so much:
1. Initial APR: As mentioned above, lower APR is the biggest benefit from credit card debt consolidation. Since credit card debt consolidation is used by credit card suppliers as a tool to attract consumers, they generally offer a 0% APR for a initial period of 6-9 months of you joining their credit card debt consolidation program i.e. first few months after you get the new credit card.
2. Standard APR: Lower standard APR (i.e. the long term APR) is the other important benefit from credit card debt consolidation. Though not all credit card suppliers offer a lower standard APR with credit card debt consolidation some do design credit card debt consolidation programs with good standard APR. These credit card debt consolidation programs offer a trade-off between initial and standard APR rates.
3. 0% on purchases: This is another common benefit from credit card debt consolidation. The 0% interest (or some lower percentage) on purchases is offered as an incentive for credit card debt consolidation. This credit card debt consolidation benefit is again applicable only for a short initial period.
4. Easy management: This credit card debt consolidation benefit is not as discussed as others. However, one benefit of credit card debt consolidation (from multiple to single credit card) is the fact that you need to track and manage a lesser number of credit cards.
5. Other benefits: The credit card debt consolidation exercise might bring you some more benefits in terms of rebates, discounts and reward points (especially if you move to a co-branded card as part of credit card debt consolidation)
Friday, October 5, 2007
Friday, September 21, 2007
Credit Secrets Bible - Before Using A Credit Repair Company
Facts Consumers Should Know Before Using A Credit Repair Company
Excerpted from the Official "Credit Secrets Bible" Home Study Course.
Excerpted from the Official "Credit Secrets Bible" Home Study Course.
Saturday, September 8, 2007
Keep at it!
Credit repair is not something that you simply do once in a while when your credit rating slips below 620. Credit repair and credit check-ups need to be part of your overall long-term financial plan. You need to follow a regular maintenance schedule of checking your credit reports regularly (you can get one free credit report from each of the major credit bureaus every four months, which lets you check your credit for free three times a year).
Regular check-ups will ensure that you have not been the victim of identity theft and will help you make sure that your credit has not begun to slip. Catching errors and problems early can be an excellent long-term way to ensure that you never need intensive credit repair again.
Your credit should be part of your financial goals because your credit can help you meet your goals. Good credit can help make loans affordable, and so can help make education, homes, and cars possible.
Saturday, September 1, 2007
Understanding Credit
Mortgage planner, Shanne Sleder takes you through the basics of how your credit score is built and how to improve it.
Saturday, August 25, 2007
Credit card fraud exposed
40% of the world's largest companies now have call centers in India - and tonight there are calls for an urgent parliamentary inquiry into the out-sourcing of financial information.
Sue Turton went undercover in India for the investigation and met a 'middleman' apparently happy to sell data in breach of data protection.
Sue Turton went undercover in India for the investigation and met a 'middleman' apparently happy to sell data in breach of data protection.
Wednesday, July 4, 2007
Online Car Loans
If you have good credit, or even bad credit, you can now get car loans online. There are a number of advantages to getting an online auto loan, as opposed to the typical car dealer financing.
- First, you can compare interest rates. This could save you hundreds, if not thousands of dollars over the life of your loan.
- You can get "pre-approved" for your car loan. No waiting around all day at the car dealership waiting for the finance guy or get a hold of the finance company. This also lets you know ahead of time how much you are able to spend on a car, and exactly how much your monthly payments will be.
How Online Car Loans work:
You'll fill out the online application. The lender will review your application, and ask for more information if needed. Upon approval, the lender will mail you a contract and check voucher that you will take to the car dealer once you decide on the car and price. You'll fill out the voucher at the dealership, sign the contract, and mail it back in. That's it! Congratulations on that new car!
For a list of some of the more reputable and populat online auto lenders, please go to OnlineShoppingFAQs.com
Monday, June 25, 2007
Friday, June 22, 2007
Imagine If...
Imagine if You could then use Your mind to manifest these decisions - without wavering - because it's crystal clear where you need to be and what you need to do.
Imagine if You could Create this Life of Your Dreams.
Imagine thousands of lives benefiting from your new creation - whether it's a book, a work of art, or a business.
Imagine creating jobs, changing lives, creating products that benefit humanity.
Imagine being a shining light - a bringer of wisdom and enlightenment to your community.
Follow this link to get started.
Thursday, June 21, 2007
Want to make money online?
Private mentoring is available from an established internet marketer with a proven track record. He's not a hype-filled guru, but a person who really cares about helping the little guy/gal get "A Hand Up". He is the author of the book by the same name. He has helped me and many others make money online and wil help you, too. Please contact dottye789@earthlink.net for more info.
Monday, June 11, 2007
Collateral for college loans
Collateral for college loans is Signature loans. These loans are far more remote than traditional forms of loans borrowing, which requires collateral be placed as guarantee of the loan borrowed. Signature loans are provided entirely on the receipt of a signed activation letter. Signature loans can fund all other types of loans like college loans, student loans, debt consolidation loans etc. the loan amount in Signature Loan also depends on borrower’s ability to repay. The term period used in Signature loans is usually 60 months.
Signature loans are offered for a variety of purposes. It serves to be excellent collateral for college loans. Signature loans is wonderful to meet educational loans, can offer financial funding to meet the accelerating cost of education. The loans for students can be combined with Federal Stafford Loans, in case additional money is required. This not only proves to be collateral for college loans but also a low cost alternative. Signature loans with bad credit are available for under-graduates, graduates and graduates in all fields. For more information please see Easy College Loans
Signature loans are offered for a variety of purposes. It serves to be excellent collateral for college loans. Signature loans is wonderful to meet educational loans, can offer financial funding to meet the accelerating cost of education. The loans for students can be combined with Federal Stafford Loans, in case additional money is required. This not only proves to be collateral for college loans but also a low cost alternative. Signature loans with bad credit are available for under-graduates, graduates and graduates in all fields. For more information please see Easy College Loans
Friday, June 8, 2007
You Deserve Credit!!!
Finally: Get Guaranteed Approval*
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Regardless Of Your Past Credit History!
(*Yes, Bankruptcy Is OK!)
That's Right, You Can Get The Money You Need!
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Thursday, June 7, 2007
Credit Secrets
Credit Secrets Bible™:
"Regardless of your current credit situation, I’ll show you how it’s possible to delete negative items off your credit report, fill your wallet full of credit cards and build a credit score so high even your banker will be impressed!"
Did you know the credit report banks and businesses get to see has about TWICE the financial information compared to the credit report You get from the credit bureaus?
In most cases, the credit bureaus send a much more detailed report to businesses than they send to you. A bit deceiving, isn’t it?
The credit system is full of "secrets" like this. Most people find them frustrating. However, I enjoy showing consumers like you how to take each one of these secrets and use it to your advantage! If you want to find One easy phone call that can cut your credit card payments in half (a life saver if you are “up to your neck” right now!)
find out how, click below.
Credit Secrets Bible™:
Sunday, May 27, 2007
Cellphones, iPods can have 'skins,' but credit cards? - The Boston Globe
Cellphones, iPods can have 'skins,' but credit cards? - The Boston Globe
The most recent figures from the Federal Reserve noted an uptick of more than 9 percent in "revolving credit" -- that is, the debt carried by the millions of American consumers who don't pay off their cards every month -- putting the total at $888.2 billion as of March.
Still, some consumers have come to see the credit card as an emblem of something other than an albatross of money owed.
A few months ago, a company called CreditCovers started selling "skins," with special designs that consumers can stick over the fronts of their cards, theoretically transforming them from mere financial tools to emblems of identity and potential conversation starters.
The CreditCovers back story is almost comically straightforward. Anthony David Adams, who had recently obtained a graduate degree in urban planning from the University of Wisconsin at Madison, wanted to think up a business that would involve selling something that wouldn't cost much to produce and could be sold on a mass scale. He had noticed the growing popularity of skins -- slipcovers with clever designs -- for laptops, cellphones, and iPods. Why not a skin for the cards that we all carry? "It just kind of hit me," he said.
He took his idea to an acquaintance, Bowen Dwelle, the chief executive of Admonsters, an association in San Francisco for advertising-tech professionals, and they brainstormed designs and other details; the prototype card slip featured a skull with heart- shaped eyes. "I actually drew that myself," Adams said.
He picked up a book called "I Am 8-Bit," featuring art inspired by 1980s video games, and contacted as many of the 80 or so artists listed in the back as he could. This led to a design from a Los Angeles comic book artist called Food One, among others. The first line of CreditCovers ($5 each) also included designs called Louis the XIV and Burs & Berries -- one resembles the famous pattern Takashi Murakami created for Louis Vuitton handbags, and the other has a Burberry plaid look -- attributed to a designer called The Truth (who is actually Adams). Dwelle, under the nom de art O-B-Nyce, contributed a Mexican flag design and an all-white version that makes "your credit card look like your cool, glowing-white iPod."
Adams's girlfriend is the eponymous owner of a Madison boutique called Sukara Sterling, which was the first purveyor of CreditCovers. Sterling and Adams each posted the products to StyleFeeder, an online social network built around shopping, and in a matter of weeks the skins were hyped on a variety of product and techie blogs. A site called Charles & Marie, billed as "the quintessential lifestyle navigator" (a mission that involves frequent invocation of the phrase, "Buy Now"), made CreditCovers its pick of the day, twice.
Adams said that he has already sold "several thousand" of them. He figures it makes sense that the aesthetically demanding consumer would want to snazzy up the "bland, kind of corporate" look of a plain credit card. Sure, you can get an "affinity" credit card, advertising anything from "World of Warcraft" to the Rotary International, but his skins are easier to obtain -- and to replace when you get tired of one. He even sees a "subversive" appeal: "Taking this icon of capitalist consumerism, putting some edgy artwork on it, and kind of retaking that canvas."
The idea of a rebellious credit card design is a little hard to fathom. (Imagine angry Colonists deciding that rather than flinging unfairly taxed tea into Boston Harbor, they would empower themselves as consumers by "customizing" it with cool new blends of their own devising.)
But Adams said that his fledgling business is guided by progressive values that demanding consumers care about: The skins are made at a Wisconsin factory that treats its workers well, he said, and he has been buying offsets that make his business "carbon neutral." He's planning a "Save Darfur" card skin, with proceeds going to charities.
And maybe there's something inevitable about converting the credit card from a tool for acquiring expressive objects into one of those objects. So, Adams has commissioned a second round of designs, which he said will include contributions from Todd Francis, the skateboard artist, among others, and is lining up more boutique retailers. In the meantime, he is making the most of his sales through the CreditCovers website -- where, needless to say, all major cards are accepted.
Wednesday, May 23, 2007
Don\'t Let Your Debt Grow After You Consolidate It!
After consolidating your debt, don’t let your debt grow again. We did and now are just in the same position as before!
Be sure you have a money management system in place and learn how to handle your money and keep your spending within your budget limits.
I found a wonderful resource that can help you with this. It includes over 10 ebooks on how to managing your money resources well and the best part is it’s only $35.00!
Here’s some more information on this great money resource for you:
Living On A Dime Frugal Living and Cooking -books
At 32 pages, the Cleaning Cents e-book is a handy guide to inspire you to get your house in order and stop throwing your money away in the chaos and clutter.
Kids Cents is a 39 page collection of articles that includes recipes and activities specifically designed for kids. In addition to keeping kids busy and helping their creativity, Kids Cents also includes articles to help parents with insights on raising kids while keeping spending low.
Debt Free Holidays is a 52 page collection of articles focused on having fun during the holidays without spending a lot of money. The articles focus on Valentine's Day, Easter, Halloween and Christmas.
Gifts In A Jar shows you how to make all sorts of cool, yummy gifts that will save you money while endearing you to your friends for life! ;-) Gifts In A Jar features ideas to make delightful Gift Baskets like those in the expensive stores -- everything from the Honeymoon Basket to the Get Well Basket.
Too Tired To Cook? Eating out is one of the top causes of debt, but what do you do when you're too tired to figure out what to make for dinner? Menus On A Dime is Living On A Dime's most popular money saving booklet!
Plan Ahead Leftovers is the second in the series of "Menus On A Dime" booklets. It includes 15 pre-planned menus and 38 recipes to make your life easier! This ebook explains how you can cook once and eat three to five different meals.
Be sure you have a money management system in place and learn how to handle your money and keep your spending within your budget limits.
I found a wonderful resource that can help you with this. It includes over 10 ebooks on how to managing your money resources well and the best part is it’s only $35.00!
Here’s some more information on this great money resource for you:
Living On A Dime Frugal Living and Cooking -books
The Living On A Dime E-book Extravaganza includes the following eleven e-books to save you money and make your life easier! This set includes e-books that show you how to save money in the kitchen, put together delicious and easy dinners, get and keep your home organized, save money on kids activities, move on a budget, save money on creative gifts and much more!
Money Management is a 72 page e-book designed to help you say goodbye to debt! Packed with lots of stories and advice, this e-book is an essential tool for your Debt Elimination Kit.
Grocery Savings is a 34 page e-book that includes lots of useful tips to help you reduce your grocery bill. Many people see dramatic savings after using the tips from this e-book.At 32 pages, the Cleaning Cents e-book is a handy guide to inspire you to get your house in order and stop throwing your money away in the chaos and clutter.
Kids Cents is a 39 page collection of articles that includes recipes and activities specifically designed for kids. In addition to keeping kids busy and helping their creativity, Kids Cents also includes articles to help parents with insights on raising kids while keeping spending low.
Debt Free Holidays is a 52 page collection of articles focused on having fun during the holidays without spending a lot of money. The articles focus on Valentine's Day, Easter, Halloween and Christmas.
Gifts In A Jar shows you how to make all sorts of cool, yummy gifts that will save you money while endearing you to your friends for life! ;-) Gifts In A Jar features ideas to make delightful Gift Baskets like those in the expensive stores -- everything from the Honeymoon Basket to the Get Well Basket.
Too Tired To Cook? Eating out is one of the top causes of debt, but what do you do when you're too tired to figure out what to make for dinner? Menus On A Dime is Living On A Dime's most popular money saving booklet!
Plan Ahead Leftovers is the second in the series of "Menus On A Dime" booklets. It includes 15 pre-planned menus and 38 recipes to make your life easier! This ebook explains how you can cook once and eat three to five different meals.
The Quick Dinners eBook is designed to help you with meals you can prepare in 20 minutes or less. Quick Dinners includes 24 recipes, 34 tips, 10 menu plans, dessert ideas and a weekly menu worksheet. Using these easy dinner plans, you can be in and out of the kitchen faster and at a much lower cost than eating out!
Pretty for Pennies is a Frugal Bath and Beauty Guide that includes make-it-yourself directions for elegant, all-natural bath and beauty products. This 26 page eBook contains 33 recipes and 69 frugal tips.
Moving On A Dime is Jill and Tawra's moving guide that includes do-it-yourself directions for moving without the need for hair transplant products when you're done. This 26 page eBook contains everything you need to know from de-cluttering to packing to surviving the big moving day."
Do yourself a favor and get this great set of Living on a Dime eBooks today!
Thursday, May 17, 2007
Consolidating Your Credit Card Debt
Credit cards have revolutionized the purchasing experience since Diners Club released the first
credit card in the year 1950.
The Dinners Club credit card gave consumers limited credit that, at times, even surpassed the
personal savings of some participants. It allowed them to buy items they usually could not
afford if they were to make a straight cash purchase. It also provided the convenience and
safety of not having to carry large amounts of cash.
On average, American households possess 4 credit cards or a total of 13 payment cards if debit
cards and store cards are included. There are, actually, 1.3 billion payment cards of assorted
types in circulation in the United States.
But, if you think that credit cards have made the lives of modern American consumers easier,
you may be wrong...
Statistics show that the average credit card debt for each household in the U.S. is $4,800 per
month. Also, there were 1.3 million credit card holders declaring bankruptcy in the year 2003.
And if you still consider yourself unaffected by credit card debt, then consider this: upon
retirement, most Americans can only expect to receive about 37% percent of their annual
retirement income because of prior debt payment. This will leave many individuals depending
on the government, family and charity for economic survival.
These are some scary facts. So before you find yourself in a position of economic uncertainty, it
might be wise to evaluate your spending and current credit card debt.
If your credit card debt exceeds what seems to be a reasonable level, you may want to
consider credit card debt consolidation.
So what is credit card debt consolidation?
In a nutshell, credit card debt consolidation is taking all your credit card payments and
consolidating them into one monthly payment. This way, you don’t have to worry about
managing the payments individually. Aside from this advantage, it may also provide you with
the following additional benefits:
- Reduce interest payments
- Waive late and overtime fees
- Reduced monthly payments
- Debt relief in a shorter time
- Credit improvement
- Save more money in the long run
There are actually two major types of credit card debt consolidation...
You may want to consider a Credit Card Counseling firm. They assist consumers by
consolidating all their monthly payments into one single payment and then dispersing this to
the creditors on behalf of the consumers.
The other type is through a home equity loan or other secured loan. This is done by exchanging
an unsecured debt (such as
credit card debt) for a secured debt (a debt backed by specific assets such as real estate).
Now, credit card debt consolidation isn’t a magic balm that will drive all your credit card debt
malaise away. But, it will make paying all your debt easier and might save you money in the
long run. Definitely an alternative worth considering.
credit card in the year 1950.
The Dinners Club credit card gave consumers limited credit that, at times, even surpassed the
personal savings of some participants. It allowed them to buy items they usually could not
afford if they were to make a straight cash purchase. It also provided the convenience and
safety of not having to carry large amounts of cash.
On average, American households possess 4 credit cards or a total of 13 payment cards if debit
cards and store cards are included. There are, actually, 1.3 billion payment cards of assorted
types in circulation in the United States.
But, if you think that credit cards have made the lives of modern American consumers easier,
you may be wrong...
Statistics show that the average credit card debt for each household in the U.S. is $4,800 per
month. Also, there were 1.3 million credit card holders declaring bankruptcy in the year 2003.
And if you still consider yourself unaffected by credit card debt, then consider this: upon
retirement, most Americans can only expect to receive about 37% percent of their annual
retirement income because of prior debt payment. This will leave many individuals depending
on the government, family and charity for economic survival.
These are some scary facts. So before you find yourself in a position of economic uncertainty, it
might be wise to evaluate your spending and current credit card debt.
If your credit card debt exceeds what seems to be a reasonable level, you may want to
consider credit card debt consolidation.
So what is credit card debt consolidation?
In a nutshell, credit card debt consolidation is taking all your credit card payments and
consolidating them into one monthly payment. This way, you don’t have to worry about
managing the payments individually. Aside from this advantage, it may also provide you with
the following additional benefits:
- Reduce interest payments
- Waive late and overtime fees
- Reduced monthly payments
- Debt relief in a shorter time
- Credit improvement
- Save more money in the long run
There are actually two major types of credit card debt consolidation...
You may want to consider a Credit Card Counseling firm. They assist consumers by
consolidating all their monthly payments into one single payment and then dispersing this to
the creditors on behalf of the consumers.
The other type is through a home equity loan or other secured loan. This is done by exchanging
an unsecured debt (such as
credit card debt) for a secured debt (a debt backed by specific assets such as real estate).
Now, credit card debt consolidation isn’t a magic balm that will drive all your credit card debt
malaise away. But, it will make paying all your debt easier and might save you money in the
long run. Definitely an alternative worth considering.
Tuesday, May 15, 2007
Tips on How to Teach Your Kids to Save Money
A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area.
You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.
Here are some tips on how you can teach your children how to save money:
1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.
2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.
3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.
4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.
5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.
Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.
You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.
Here are some tips on how you can teach your children how to save money:
1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.
2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.
3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.
4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.
5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.
Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.
Monday, May 14, 2007
ABC12.com: Lower your credit card rates
ABC12.com: Lower your credit card rates
Lower your credit card costs
Sometimes it's as easy as asking for a lower rate
By Dawn Jones
MID MICHIGAN (WJRT) - (05/14/07)--Everybody is looking for ways to save more money these days. One way to keep more cash in your pocket is by reducing the interest rate on your plastic.
In most cases all it takes is a phone call, a little patience and some carefully chosen words.
It's become the American way: see something you want and instead of paying cash, charge it to your credit card.
"People get excited because this appears to help their cash flow situation," said credit counselor Lisa Banks.
But as Banks describes, it's a short-lived fix.
"If you are only making a 2 percent minimum monthly payment on a $7,000 balance, and let's just say you even got a 10 percent interest rate on it, it would take you in excess of 17 years to pay that balance off," she said.
If you want to pay the balance off sooner, one way is having the interest rate on your credit card reduced. We found it is negotiable and all it takes is a phone call.
We came up with a script and headed to a local mall. Kelly Wendling, Lesa Betts and Kendra Blocker all agreed to call their credit card companies using the script we provided.
"Well, I have been a good customer and I recently received several offers in the mail," Betts said.
"I really want to lower the rate on my card," Wendling said. "Is there any way you guys could help me with that?"
Minutes later, all three had their answer.
"They lowered it from 13.9 to 9.9," Wendling said. "That was pretty cool. I never would have thought to do that. I didn't think they would do something like that."
The average American family caries an average of $8,400 in credit card debt. If you are charged 13 percent interest on the balance, you will pay roughly $92 a month in finance charges.
If you drop your interest rate just 1 percentage point to 12 percent, your monthly finance charge goes down to $85, saving you $7 a month or $84 a year.
Our credit counselor says our script works, but it's not for everyone.
"You have to give this to a good customer, because if it is delinquent or frequently late, then the credit card company is not going to try to make them a good offer to lower their interest rate," Banks said.
The best way to avoid paying interest on your credit card purchases is to pay the balance off in full every month.
| Hi my name is __________. I have been a good customer, but recently I have received several offers in the mail for other cards with lower annual percentage rates. I really want a lower rate on my card can you help me ? If the answer is no, ask to speak to a supervisor. If the answer is still no, ask for another supervisor. Also - don't be shy about letting them know that you will consider closing the account unless they can lower the rate. |
Friday, April 20, 2007
Alternatives to Bankruptcy
If you're considering bankruptcy, make sure you do your research first. Yes, it's awful tempting when the bill collectors are constantly calling, but look for any available alternative for your situation.
I was considering bankruptcy a couple years back, but couldn't even afford to file the paperwork! Then I ran across a website run by Bud Hibbs, who years ago had a radio show in Dallas as a consumer advocate, specializing in bad credit situations. I read his website, and learned that I didn't need to declare bankruptcy!
Anyways, if you're in a situation, and aren't sure to get out of it, check out <a href="http://www.budhibbs.com">BudHibbs.com</a>
Garry
Wednesday, April 11, 2007
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Sunday, April 8, 2007
Get Approved!
Improve Your Chances of Getting Approved
If you have bad credit, it may be difficult to get the loan you need. The good news is, there are a lot of people with bad credit now, so lenders are doing more and more to get your business.
Here are some of the things lenders look at when approving your loan. The more of these that are seen as positive, the better your chances of getting that loan!
- Live in one place for a while...hopefully a year
- Work at one place for a while...again, a year is good
- Increase your income...at least temporarily...take a part-time job
- Have a decent-sized down payment...$20 ain\'t gonna cut it
- Dress well...you don\'t need a suit, but don\'t show up looking like a slob
For more help with bad credit issues, and for a list of lenders that specialize in bad credit situations, please visit: http://onlineshoppingfaqs.com/bad-credit
Sunday, April 1, 2007
Credit Tips
If you're one of the people who has bad credit you are finding it very hard to get a loan or financing anywhere.
A lot of people think that if they have bad credit there isn\'t a chance they can repair it. That just is not true with a little work and patience.
What your credit report is a number system. The higher the number the better your credit. So why not get a unsecured credit card. Use it only for emergency or just purchase something you know you can pay for immediately. Within 6 months your credit score will improve and then your back on track.
Get organized! Make a folder for all your correspondence offline and online. You will have to do some snail mailing but in most cases you can work your repair online.
In the Us a credit score of 650 will get you a mortgage. You can do it with a lower score but not with a premium interest rate.
In fact, even a chapter 11 bankruptcy (erases all negative credit) is not as bad as many think. It erases all your negative credit and allows you to start all over. Use this opportunity to your advantage and keep up with your bills.
Tuesday, March 27, 2007
Credit score driven!!
This world is too credit score driven!! Everything revolves around that little number. People don\'t get jobs because of poor credit; people don\'t get cars and homes because of poor credit, etc. How to the Powers That Be think the person who has had problems in the past will ever do better in life if they can\'t get a decent job?
Also, people equate your credit score with your honesty. Those are two different things. I have never been arrested for anything in my life, but I have had problems due to becoming disabled and a vengeful ex-husband who ruined my credit on purpose.
Do You Have Bad Credit? Don\'t give up!!
Personal loans, business loans, credit cards and mortgages are all within your reach with us, no matter how bad your credit situation is! Get continuously updated lists of 100\'s of lenders and credit companies who will give many different kinds of loans & credit cards to people with bad credit, or even a bankruptcy.
This is not a scam. There are banks and companies who are willing to finance people with bad credit. They realize that good people can have bad credit and they want to give you another shot!
Are you ready to get the credit you deserve? If so, then join the thousands of people who have received much needed credit.
Tired of Hearing No? Our Lenders Say Yes! Get Another Shot Today!
Saturday, January 13, 2007
IDENTITY THEFT
How To Prevent It, Stop It & Cure It !!
Discover How To Protect Your Name, Your Money, Your Family AND Your Future From Identity Theft & Online Scams
ID theft is one of the major ways your credit rating can be RUINED!!!
Did you know that Federal Authorities estimate over FORTY BILLION dollars is lost each year to Identity Theft in the United States and Canada....
...and it can take at LEAST A YEAR to sort out the mess (Source: FTC).
Did you also know that even famous multi millionaires like Bill Gates, Tiger Woods, Oprah Winfrey, Steven Spielberg and Donald Trump have all been attacked by identity thieves.....
........if it can happen to them – why not YOU?
Have you heard about the Government computer stolen....
........with over 25 MILLION veterans important financial details?
Incredible, isn’t it?
But the good news is that there are many simple steps you can take TODAY to stop these thieves in their tracks and protect your sensitive information!
Friday, January 5, 2007
Pay Day Loans EXPOSED!!! Don't fall into this trap!
Pay Day loans may seem like a boon and a blessing to you when your paycheck doesn’t stretch until the end of the month, or when an emergency comes up. But, in the long run Pay Day loans are a bane and a burden to most borrowers who take one out. They can ruin your credit, too!
You work hard for your money. The last thing you need is to fall into a trap set by a predatory lender to drain you of your hard-earned cash.
Don’t let yourself be tricked by some slick advertising into entering a nightmare of ever-increasing debt!
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