Archive for the ‘Home & Real Estate’ category

How to Get Credit Cards for Poor Credit

February 13th, 2010

Credit Cards for Bad Credit

I will preface this blog with the following: “Credit cards are not for everyone and they are the fastest route to becoming in debt to banks and a poor credit score”! If one is already in the red with their personal finances, a credit card is not a good idea to start with. I was told by my father, a few days after I came to America, that “If you can not buy it now with cash, what makes you think you’re going to have the money 30 days later?”. That stuck with me since and I can say that I was lucky enough to not have those horrifying stories most had with credit cards.

That having been said, and you must really have a credit card even if your credit score is so poor then lets see what is the best way to get one.

1. Find credit cards designed specifically for people with bad credit. These credit cards will typically have a higher interest rate than normal credit cards because lower credit scores are inherently riskier. » Read more: How to Get Credit Cards for Poor Credit

Reasons Why Coupons Are Still a Great Way to Save

February 10th, 2010

Courtesy Associated Press

With all the buzz in our daily lives, one begs the question, “who has times to clip coupons and for what – save a dollar on cat food or some off brand detergent?“. Well guys, The Wall Street Journal published a great article  with in depth statistics and numbers on the matter of coupons. According to the article, surprisingly a lot of families! More and more Americans are going back to the coupon – mostly due to the American depression we are in. Last year alone the american people have used 3.3 billion coupons a staggering 27% rise since 2008, while online coupon redemption have rose by more than 360 %.

So why is the “Great American Coupon” so popular again?
To answer that question one would have to first find out why have they ever fell out of style. Answer is really common sense – you have to collect a bunch of fliers from your mailbox, read every single one and find items you usually buy, remember to bring those coupons with you at the store when you go shopping and remember to also use them at the cash register. I for one have done all except for remembering to use them at the cash register and only realizing it when I get home and empty my pockets :) . Well not much of what I wrote about has changed nor will it ever change, so then again why did we as a nation increase the use of coupons so dramatically?
Let’s deal with this in the old fashioned way – simple math.
According to Inmar Inc, the largest coupon processing agent in U.S., the average savings per coupon is $1.44. » Read more: Reasons Why Coupons Are Still a Great Way to Save

Dennys stepping up for the low budget guy/gal

February 9th, 2010

Dennis to offer a free Grand Slam breakfast on Tuesday February 9th 2010. Is that not awesome? Is between 6am and 2pm and I think we should all head to the local Denny’s and get that hook up :) . I mean bacon, eggs and all the fixings plus the coffee! Is not over-priced starbucks but man they do have some good cooffee and food.

Check it out at http://www.dennys.com/superbowl/splash2.html

8 Tips for starting a Home Small Business

February 8th, 2010

Concept of working from home sounds great with big benefits but one cannot ignore the fact that profit margins are slim in a home business. You need money to get it going… money that most of the people don’t have when they start a home business.

Sometimes, people new with their home business do not have an idea if they are really earning or loosing money and I assume that only in few cases a fellow home business owner is able to hire an accountant to calculate the Profit/Loss sheet.

Well, I bring you some tips that will help you discover tips to start your home business on a shoestring budget. These guidelines will certainly help your business get running with minimum expense.

Let’s check out how to get smart with your home business budget. » Read more: 8 Tips for starting a Home Small Business

Easy Home Budget Tips

February 8th, 2010

When you’re trying to save for the future and still manage to eat, it can be tough to find that right balance. We all need to plan ahead and having a savings account really is essential. This can be a cushion or that “rainy day” money that you need, and it is never too late to start putting away money towards your retirement. However, a lot of us can get bogged down when it comes to handling our own finances and it is all too easy to be like the grasshopper in Aesop’s Fables and put it off until tomorrow.

You can’t put off saving for your future until tomorrow, because there is a good chance you’ll keep putting it off until you wake up one day and it’s too late. However, there are a few easy tips that you can use to start saving for your future today. » Read more: Easy Home Budget Tips

Real Estate Market Conditions for First Month of 2010

January 28th, 2010

How is our real estate market this year? This is a questions many are asking themselves of friends in the real estate business. And more and more are going to ask this question as our economy is not growing and reshaping at the rate we need and jobs are just as hard to come about as it was last year. More and more people are saddened to find out their biggest life asset is depreciating each day and there is no end in site. Take all that and add the fact that banks are still in a stand still mode when it comes to consumer lending and you’re just not gonna find good conditions for an upturn in the real estate market. But just how bad is it?

National Summary (U.S.)

After a rising surge from September through November, existing-home sales fell as expected in December after first-time buyers rushed to complete sales before the original November deadline for the tax credit. However, prices rose from December 2008 and annual sales improved in 2009, according to the National Association of REALTORS®.
» Read more: Real Estate Market Conditions for First Month of 2010

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