Credit Cards Tips for You

You would think that the main thing that separates the financial winners from the losers is money. Obviously, the more money people have, the more things they can buy, but that doesn’t necessarily translate into happiness. Even people who have financial success and make a lot of money can find themselves at its mercy if it controls their lives.

Conversely, you probably know some people who make less than you do. Yet somehow, they seem to be in control and enjoying life as if they had all of the money in the world. It all comes down to attitude. It takes a winning financial attitude to take control of your finances and get the most out of life no matter your income.

The Financial Chicken and the Egg

Your response might be that you could have a winning attitude if you could first get your finances under control.  People who achieve financial success in life usually started when they were in a hole, and they are likely to tell you that it took a winning attitude to dig out from the hole so they could move forward.  With money, people who look at it as the end-all, tend to find less satisfaction the more of it they make. Tho

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Credit report is essential for any aspirant looking for grants, loans, or financial assistance and the law of the land makes provisions for each citizen in United States for getting one free credit report from Experian, Equifax, and Trans Union once annually. But the prospective borrower must learn the free credit report truth and just do not jump out at numerous offers received from the so called credit report providers online.

While free credit report is their right, many consumers find getting them near impossible with numerous bogus websites ticking them into paying. Add to this the attitude of the major credit reporting bureaus and things look pretty difficult. Read more…

Note Investing for Maximum Income — Tailored to Your Situation

“The most powerful force in the universe is compound interest.”

Albert Einstein

One of the foundations of successful long-term investing is using a tax free, or a tax deferred, investment account. By using a tax-sheltered account, it allows your interest income to compound (grow) monthly, or annually, without having income taxes deducted from it. The self-directed IRA account is one of the best tools available to assist you with increasing your retirement savings rapidly. Saving for retirement is a long-term process, but the sooner you get started, the more time your investments have to grow.

Promissory Note Loan Candidates for High Income

Promissory Notes Secured by Real Estate

Contracts for a Deed Secured by Real Estate

Promissory Notes Secured by Mobile Homes

Promissory Notes Secured by Vacant Land

Business Notes

Bank Investments Will Not Get the Job Done

Today, banks are paying from ½% to 1.5% annual interest on most savings accounts and on most Certificates of Deposit. In addition to receiving this very low interest rate, the bank investor must then pay income tax. The in

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Ever wonder how your state stacks up against others in terms of its residents’ average credit score?  While you may think your neighbors have great credit scores, this map could tell you otherwise.

Check out our infographic below and see just how good your state’s residents are at managing their credit:

The credit card act, when it comes to the government coming to the rescue of consumers we should all be careful what we wish for. At the height of the banking industry’s unpopularity during the financial crisis of 2008, Congress jumped on the opportunity to impose “consumer protections” in order to stop unfair and deceptive practices.

The resulting Credit Card Accountability, Responsibility and Disclosure Act (credit card act) may have made Congress appear as though they were our knights in shining armor; however, it has left many consumers bewildered and just as vulnerable, if not more. 

While it may have sent a message to the banking industry that they are being more closely watched, the Act did little to prevent banks from shrewdly skirting many of its intended purposes – which were largely aimed at capping the amount they could charge consumers.

What we heard after the law was passed was that the Act would place limits on interest rates that banks could charge. What it really did was place limits on existing balances, but new balances were still open game. Even wit

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