tag:blogger.com,1999:blog-34311451063044609622012-01-18T23:16:36.836-08:00Information and videos on how to manage loans, debts, and credit; and how to make money.Gcolnoreply@blogger.comBlogger946125tag:blogger.com,1999:blog-3431145106304460962.post-12272421339195119172010-03-11T15:57:00.000-08:002010-03-11T16:01:35.154-08:00

Q: I've been working for the past 20 years, and frankly, I want to get out of the rat race someday. I don't want to continue working until I die. Aside from starting a business, what other ways can I earn money without working so hard? - PaoloA: It sounds like a good deal - the idea of earning money without working so hard. After working in the corporate world for a long time, you may have a

Gcolnoreply@blogger.com3tag:blogger.com,1999:blog-3431145106304460962.post-26292534395694314392010-03-11T15:51:00.000-08:002010-03-11T15:52:54.005-08:00

Q: I work as a freelance graphic designer. There are months when I earn a lot, and times when I'm not. Since middle of last year, my income has gone down mainly because my existing clients were all affected by the typhoons, and decided to cut down on some projects. Sometimes I earn just enough to get by. I have some savings, but I am having second thoughts on whether to continue saving at this

Gcolnoreply@blogger.com1tag:blogger.com,1999:blog-3431145106304460962.post-23160848891705980842010-03-11T15:33:00.001-08:002010-03-11T15:36:29.560-08:00

By Wilson Lee Flores1. BDO — Led by Henry Sy’s hardworking and visionary daughter, chairman Teresita “Tessie” Sy-Coson, with president and CEO Nestor Tan.2. Metropolitan Bank and Trust Co. — Led by taipan George S.K. Ty’s eldest son Arthur Ty. One of their executive vice presidents is Fabian Dee, who is my paternal cousin and a grandson of the prewar lumber tycoon and postwar Federation of

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-50356959241370210002010-03-11T15:26:00.000-08:002010-03-11T15:28:49.897-08:00

By Tanya T. Lara When we hear of executives living out of their suitcases, transplanting their families from one country to another every couple of years, and picking up language skills as they move around the world, we are more than a little envious.They are citizens of the world, no one country can claim them, and they have friends in all corners of the globe.What we fail to see behind their

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-62652244766336587292010-02-19T15:32:00.000-08:002010-02-19T15:38:05.720-08:00

Q: I've been receiving proposals for years from insurance agents and only started looking at them closely. I noticed that one offer for a term insurance is much cheaper. I hesitate to call the agent as my query may be seen as strong interest to buy. Can you help me? Should I take term insurance because of the cost?A: Life insurance is one of those things you need to have to protect your family in

Gcolnoreply@blogger.com2tag:blogger.com,1999:blog-3431145106304460962.post-37611809381574168302010-02-19T15:30:00.000-08:002010-02-19T15:32:35.844-08:00

Q: My husband and I are excited to move in to our own place this summer. We will just be renting a townhouse, but we have all these ideas on how to furnish and decorate our unit. We need to buy a lot of appliances and furniture, and to us, the zero percent interest promotion offered by our credit card looks really look good. But I wonder - is it really a better deal? – LeahA: Congratulations,

Gcolnoreply@blogger.com1tag:blogger.com,1999:blog-3431145106304460962.post-19684334015887292422010-02-02T16:40:00.000-08:002010-02-02T16:41:23.581-08:00

Q: I have been wanting to spend more time with my family and start a small business to continue to earn some income. Every time I feel I am ready to quit work, something comes up that will make me hesitate and then I will postpone my plans. Right now, I think I have enough money saved up to cover for unforeseen expenses. But how do I really know if my savings are enough? Is there a good formula

Gcolnoreply@blogger.com1tag:blogger.com,1999:blog-3431145106304460962.post-48202962557447970202010-02-02T16:38:00.000-08:002010-02-02T16:39:24.367-08:00

Q: I know I should be saving money for my future, but I never get to do so. It's not because I don't want to. I want to save but can't seem to do it. How can I turn a new leaf this year and save money? I know this will be good for me in the long run. - GlennA: Being aware of the need to save money for the future is a good start. We all need to set aside money for future needs, especially for the

Gcolnoreply@blogger.com3tag:blogger.com,1999:blog-3431145106304460962.post-41287928281718411522010-02-02T16:36:00.000-08:002010-02-02T16:37:16.782-08:00

Q: It's February and I'm still paying for all the gifts I bought over the holidays, not to mention the Christmas get-together dinners with friends. I can't believe I have racked up a debt of P30,000. This is more than what I earn in a month. How can I pay off this bill? - MayaA: You are not alone, Maya. Other people are also scratching and shaking their heads at how they have spent so much for

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-46344573034413181612010-01-14T01:53:00.000-08:002010-01-13T16:20:56.396-08:00

By Justin KeckThe following article includes pertinent information that may cause you to reconsider what you thought you understood about the advantages and disadvantages of mortgages. The most important thing is to study with an open mind and be willing to revise your understanding if necessary.Lenders make money through interest, so if you pay off the principle of the loan early, you are

Gcolnoreply@blogger.com1tag:blogger.com,1999:blog-3431145106304460962.post-70333282358639267332010-01-13T16:18:00.000-08:002010-01-13T16:19:29.136-08:00

Q: This 2010, I hope to be more responsible when it comes to handling money. That's what our church has been reminding us - to be good stewards of the financial resources given to us. I must admit I need a total overhaul in this department. Can you help me please? - JanetA: One of the best things you can do for yourself and your family is indeed to be a good steward of your finances. Being a good

Gcolnoreply@blogger.com1tag:blogger.com,1999:blog-3431145106304460962.post-51856155784675914802009-11-22T01:50:00.000-08:002010-01-13T16:22:17.982-08:00

By Liam McGulliver FletcherIf you are an overseas citizen and are shopping in the UK, you can then file a claim back of the Value Added Tax that you have paid for the purchases you have made in London. The tax refund service is offered by many of the retailers that are located across the world.The VAT is around 15% in UK and to claim back the amount that you have paid as tax you have to make a

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-91170537560486226492009-11-22T01:41:00.000-08:002010-01-13T16:22:39.672-08:00

By Jack ChambersLow Cost OpportunitiesRecession has left property valuation in the US at rock bottom. Still one can earn a handsome profit in short term if Orlando investment property is purchased after shrewd planning.While scouting for profitable Orlando investment property, one should keep in mind the location. Places like Orlando and Phoenix are always packed with tourists irrespective of the

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-35245755332843177652009-11-21T01:54:00.000-08:002010-01-13T16:23:01.652-08:00

By Stephanie MartinAs a federal employee, there are some options open to you if you are hurt on the job and can no longer adequately perform your duties. Some agencies simply move the employee to a position with lighter responsibilities. If that's not an option, though, and the employee cannot work any longer, they need to submit a form to the OPM for federal disability retirement benefits.The

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-30256084203047154552009-11-21T01:28:00.000-08:002010-01-13T16:27:25.104-08:00

By J.D TheisAn insurance policy is very important for anybody these days since these policies ensure that your hospital bills are paid for you. There are many policies in the market out of which some policies are better than the other. This article will help you understand how to select a good health insurance policy so that you get maximum benefits by paying less money.A good health insurance

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-91050104344749029372009-11-21T01:20:00.000-08:002010-01-13T16:23:41.409-08:00

By Henry JaramilloThe real estate market has plenty of cheap houses in chicago available for anyone interested in making an investment. Want to invest in your own property, then look out and you will find various options. If you want to find these properties, you can easily do that by looking through the many available markets.You can look at various ways to make low cost investments including

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-88209375452858650922009-11-21T01:15:00.000-08:002010-01-13T16:24:38.188-08:00

By Ray SondeoWhen you book your tickets to the United States, you will look forward to experiencing the country's great sights and sounds, and falling ill is not something on your schedule. So, visitor insurance may not be a must-do on your to-do list. However, remember that falling ill during travel is quite common, and healthcare in the United States is very expensive.For peace of mind during

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-52581357036658445902009-11-20T01:50:00.000-08:002010-01-13T16:24:57.236-08:00

By Joseph ArchibaldA fairly straightforward and simple way for a thief who has knowledge of credit card fraud to "make a living" is by stealing credit card numbers, at least for a short period. Now, you may be thinking you are very safe but lets look at some facts.I personally have used my credit card many, many more times on the internet than in shops in the high street or in restaurants. On the

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-10306577085311365542009-11-20T01:48:00.000-08:002010-01-13T16:25:17.164-08:00

By Ahmad HassamGreat Britain was finding it difficult to stay within the tight exchange rate band set by the European Monetary Union (EMU) in the early'90s. One person who made history with options was George Soros who is famously known as the man who broke the Bank of England.George Soros is a famous name in the world of investing. He had always believed in contrarian investing. Contrarian

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-26554661059945139922009-11-20T01:44:00.001-08:002010-01-13T16:25:49.100-08:00

By Michael KimbleAs you know, many Americans are facing foreclosure after buying very nice houses they simply couldnt afford. These people are upside down in debt and will end up losing their homes. For those that have experienced foreclosure, it can be a nightmare. The banks are not without problems also. They are often forced to pay the foreclosure process, the attorney's fees, the opening

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-23594120691790845132009-11-20T01:44:00.000-08:002010-01-13T16:26:16.850-08:00

By J.D TheisThe importance of a good Health Insurance plan is widely known but few practice it wisely. In these hard times, everybody is worried about their financial security. Very less significance is meted out for a health insurance. Merely buying a health policy does not suffice, you must insure yourself and your family against possible health issues for future convenience. Do not judge a

Gcolnoreply@blogger.com1tag:blogger.com,1999:blog-3431145106304460962.post-79086237763853265452009-11-20T00:17:00.000-08:002010-01-13T16:29:06.275-08:00

By J. D TheisGood health is one of the things that every person puts on the top of priority lists. Healthcare costs however have become so high nowadays that many businesses are cutting back on health insurances that they provide to employees. As a result, many families are on their way to cut back on basic necessities like food, electricity, shelters and even homes, just to cover health

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-26100999938943274072009-11-19T01:50:00.000-08:002010-01-13T16:30:09.413-08:00

By Aaron SwartzNo matter where you are moving to a moving company can help you move your things. No two moving companies are alike though. From what areas a company can work in to costs it helps to look into various factors. There are seven tips to use for finding a moving company.It helps to check out the past experiences that companies have had with customers. Many moving companies are ones

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-77533686960088546342009-11-19T01:47:00.000-08:002010-01-13T16:37:32.840-08:00

By Robert BruceLife insurance settlements play an important role for seniors after their death.Life insurance settlements usually refer to the amount of money your beneficiary receives after you expire. The life insurance company will pay the settlement based on the amount which you have paid according with the premiums of the policy. The settlements are paid out only after your death. There are

Gcolnoreply@blogger.com0tag:blogger.com,1999:blog-3431145106304460962.post-25703213805690983172009-11-19T01:43:00.000-08:002010-01-13T16:37:55.259-08:00

By Patrick DeatonTrading stocks is something that people have been doing for many years. One of the newest ways that this is seen is through etf trading. They are the economical way that people have found to get involved with the stock market. Being economical is one of the major reasons for it becoming so popular.Getting in touch with a stockbroker to set up an account is one of the first things

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