Payoff

Be sure to enter the gas card giveaway. Details are here. When I made the decision to pay off my car loan, I didn't expect the process to go as smoothly as it did. I'd had problems in the past with regular monthly payments not being credited in time or not at all. My first payment took about 3 weeks to get credited to my loan account even though the check was sent two weeks before the due date and

Since starting to pay off debt in January I have been following the same routine. First, I decide which credit card I am going to tackle and pay off. Second, whenever I get any extra money I immediately transfer it from my checking to my savings account. They are at the same institution and it literally takes about 2 seconds to make the transfer online. I also transfer the monthly snowball. Third,

Yesterday night we went out to dinner with my soon-to-be mother-in-law. We were seated, we ordered drinks, we ordered food...enter baby from hell. Lucian started fussing once he realized that he wasn't at home. From that point on it was his personal mission to have every single person in the restaurant know he wasn't happy. So we got our food to go, but we weren't out of the water because we had t

Jury selection begins today but the drama has already started! The Chicago Sun-Times Reports: An aide to R. Kelly allegedly paid off a woman to get her to return an incriminating sex videotape featuring the R&B singer, a judge was told in closed-door hearings last month. The Atlanta woman, who is expected to testify she had a three-way sexual encounter with Kelly and an underage girl, was

Well I have read that it helps to have a goal for being debt free for many reasons, but for me I can see the phsycological reasons the most.So, I figured out our debt snowball plan before we started... all I needed to do was figure out the dates.Step 1: Right now we are putting every cent into our siding loan at 375 a month plus extras. The plan is to have it paid off by the end of the year. Hopefully if we keep our expenses down and income up we can pay it off even sooner. End of loan worst case 12/08.Step 2: Put that 375 a month towards the truck payments on top of the 480 a month there, making it 855 a month plus whatever extra possible. That should have it paid off around 4/10 worst case.Step 3: Put that 855 a month towards the mortgage on top of the 350 a month there, making it 1205 a

Have Heidi Montag and Spencer Pratt created a whole storyline of public stunts for a nice fat paycheck from a certain magazine? That’s the allegation that two magazines are claiming this morning about another. The Star Magazine moments ago cites a new article in the New York Daily News. ” “Which weekly glossy just signed [...]

So many of you have been asking, and I’m happy to finally reveal the gift my wife received from me with the “found” $500. You all voted. I then tallied the votes. And I was too stupid to rig the results. First of all, my wife would like to thank all of you, the random [...]

Plug-in hybrids get far better mileage than standard cars or regular hybrids — and emit far less pollution. But they are also tough to justify economically at the moment with existing technology, according to the first several months of data from RechargeIT.org, which is studying how well plug-in hybrids work in real-world circumstances. Read the full story here

Abandoned by their mother, both kittens were starving. I simply had to respond to their hungry eyes. And so began our relationship. Their hunger drove them towards the milk I offered, but they had two factors working against their ability to trust me. They were 12-week-old cats who had been born to, and imprinted by, a wild mother. They also had the natural survival instincts of their species.

Remodeling Magazine has released its annual 2007 Cost Vs. Value Report that details the percentage of money spent on renovation projects that is recouped when a home is sold. The results indicate that unlike during the housing boom of recent years, even the most effective renovation projects are not paying for themselves as they once did. SOME OF THE BEST PROJECTS Replacement Siding : 88% Recouped Replacement Windows : 81% Recouped Remodel Kitchen : 74% Recouped Add Bathroom : 69% Recouped Remodel Bathroom : 68% Recouped Replace Roof : 66% Recouped VISIT REMODELING MAGAZINE'S ARTICLE

In my last post, I was telling everyone how my brother and I were talking on the phone and he told me he was escrowing for his taxes. I told him to remove them since it would payoff his loan faster with the Money Merge Account. Anyway, he ran a scenario for my in his Money Merge Account Software and it said it would lower his payoff time from 5.75 years to 5.25 years. Well, I have to appologize to everyone who reads this blog, all the United First Financial Agents, their customers and the people at United First Financial. Yes, my brother's payoff time was completely wrong once he called Countrywide and got the escrows removed (he did this yesterday) and then was able to truely update the Money Merge Account Software. The payoff time went down it 4.8 years!!! Here is what he wrote to me tonight:=======================Charles,Just wanted to thank you for the advice you gave me on letting the MMA system handle the paying of my real estate taxes by removing the escrow payment from my mor

I was talking to my brother on the phone last night and he was telling me that he is currently escrowing for his taxes (he lives in a condo, so there is no escrow for the insurance). His escrow payment is $372.04 a month! YIKES! Anyway, I asked him why he was escrowing for his taxes since he was on the Money Merge Account? So, we started talking and I said to him that if he could remove his escrow account and instead pay the taxes himself through the Money Merge Account, he would payoff his mortgage sooner. Now this sounded stupid since he has to pay his taxes anyway, why not just escrow them. So, I asked him to log on to his Money Merge Account when he got home and run the scenario and email the results.Well, I am happy to say that my brother's payoff went from 5.75 years down to 5.25 years! That is 6 months of mortgage payments gone just from not escrowing! He will still pay his taxes in November of every year, but did you ever think this was possible?!So, how is this possible? Here

Befitting its name, BP's massive Thunder Horse offshore platform has been beset by dark clouds ever since it was on the drawing board. After fiascos involving its stability and even its very name, BP... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

Befitting its name, BP's massive Thunder Horse offshore platform has been beset by dark clouds ever since it was on the drawing board. After fiascos involving its stability and even its very name, BP finally has its eye on the silver lining — a huge deposit of oil and natural gas under the Gulf of Mexico that will boost the company's bottom line as well as the nation's declining production. "When it's fully up to speed, it's 250,000 barrels a day. That's significant production at a time when we're trying to get as much energy security as we can," Bob Malone, chairman and president of BP America, said after his first visit to Thunder Horse last week. It's been a long time coming, a decade since BP discovered the oil field with up to 1.5 billion barrels beneath 6,000 feet of water. To reap that bounty, the company set out to build the biggest, boldest floating oil and gas production facility in the world, at a development cost of $5 billion. With capacity to produce 250,000 bar

Payday loan debt consolidation is a financial solution that helps the people who are availing frequent payday loans without repaying the same in time and are drowning in the deep quagmire of debts.

We came across this table that was part of a presentation at the Mortgage Banker’s Association 94th Annual Convention. The table shows, by borrower age, the cause for HECM reverse mortgage loan payoffs. We’ve previously written about the surprising fact that the majority of HECM loans are paid off within seven years. [...]

Trade in your high interest credit card debt with a debt consolidation loan secured by your mortgage. With your home’s equity as security, you qualify for some of the lowest rates. And you can select terms that best fit your budget needs. So you can either extend terms for a lower payment or shorten the length to get out of debt sooner.Take Stock Of Your Debt And EquityBefore you start a cash-out refi, total up your short term debt and compare it to your equity. Remember too that your equity is based on your home’s assessed value, not what you paid for it. List out interest rates on your cards and current mortgage in order to determine potential savings with a refi.With the numbers in front of you, find out what type of debt consolidation loan would be best for your situation. With an especially low rate mortgage, getting a second mortgage is a good choice. The same is true if you plan to move soon. Otherwise, look into refinance your entire mortgage to lock in even lower rates.Sta

This article is dedicated to giving you a Credit Card Debt Payoff Calculator. My intention is to provide you an easy way to determine which credit card to focus your payments on, and simultaneously predicting the number of months left to pay on all your cards. Now, the spreadsheet shown below is an outlandish situation, but I wanted to show you an extreme circumstance, and how to use the spreadsheet. Ok, enough introduction, let’s get into the details of the spreadsheet. Here are the quick and dirty directions to inputting the data: Delete all the rows that you don’t need. Trim it down to just the number of cards you are running balances on. Determine how much money you can devote to all of your credit cards per month, and enter that number in the cell labeled Available to Pay. Update the Balance column to reflect your current balance on each credit card. Update the Interest Rate column per your agreement with each credit card. Enter the minimum payment for each card i

You have decided that the mounting debt in your credit cards is getting unwieldy and you have made a commitment to yourself and your credit report to payoff those credit cards and get your debt under control.  Here is a guide to make this happen. Step 1:  Gather all your credit card statements together.  (If you don't know all the cards you have, send away for your annual free credit report to see what is your responsibility.Step 2: Make a list with the following columns of all your cards: Name, Amount owed, Amount you have been paying each month, Minimum payment, Interest Rate.  (If you do this on an electronic spreadsheet you will be able to reorder them easily)Step 3: Order the list from highest interest rate to lowest.  Step 4: Subtract the amount you have been paying on each card from the minimum amount owed.  Step 5: Add the difference you computed in Step 4 to the highest interest rate card until that card has been payed off - Don't for

[singlepic=82,270,230,,left]They may be gone but their stench is everywhere and they're going to have a much harder time avoiding it than they bargained for. I seriously doubt that Rove or Gonzalez will be able to go out in public for many years and not be heckled or even attacked without a bodyguard. I'm sure they'd argue that we don't understand the sacrifices they've made for us. I imagine them perched in the towers of power looking down on Americans, and the world, as ignorant peasants for them to shepherd. They have to protect us from ourselves, otherwise we'd go around shoving forks in our eyes and putting solar panels on our roofs...

Harj Gill demystifies Mortgage Acceleration with his Speed Equity® System Is Mortgage Acceleration for Real? And For You? If you could pay off your mortgage more quickly and save thousands in interest, would that get your attention? It got mine. It started when I sat in on what turned out to be a multi-level marketing presentation that promised these things could happen when you bought their $3,500 web-based software. That made me suspicious, because I know that mortgage acceleration relies on mathematical principles and financial discipline, not magic software. Using what I learned from that infomar I did some research and found www.SpeedEquity.com founded by Mr. Harj Gill. He came up with the mathematical and banking principles to allow mortgage acceleration without having to refinance your 30 year mortgage, changing to bi-weekly payments, or even changing your spending habits. He developed the program in Australia based on principles that are sound but not generally known and under

I can picture you exactly where I was just a few shortyears ago --Sitting in another useless meeting organized by a groupof senior managers that have a combined IQ less than yourown child at 3-months old.Around in circles you go, no progress again today andonly those who play the game the best will collect thebigger paychecks - but even they can't outlast this gameof roulette can they?Listen - I get asked often, even by my own wife, "why areyou so driven!"It's true, these days I am passionate about just abouteverything I do - especially my internet home business.Why?Is it the thought of a new porsche sitting in my drivewaythat motivated me to succeed with my internet home business?What about cruising up and down the Pacific Coast in mynew yacht?Maybe it's being able to take a dream vacation to Australiaand New Zealand?Nope! You guessed wrong.In fact, what motivates me everyday is the thought of havingmy time, energy, health and family UNDER THE CONTROL of someoneother than myself s

If you own a home or are interested in buying a home, you know that you will probably have to take out a mortgage to be paid over time, usually about 30 years. In the end, the mortgage will cost you about twice as much as the purchased price of your property due to the interest paid over that time frame. Since a home is usually the largest investment in your life, it makes sense to take out a mortgage. However, financial experts have created a solution to the drain a mortgage has on your financial budget. Their system can help you pay off your mortgage in about 8 to 11 years, saving you thousands of dollars. The solution is the Money Merge Account. MMA reduces the principal of the mortgage, thus lowering the interest accrued on the loan. MMA uses your mortgage, an equity line of credit, and MMA software that calculates the highest interest rate savings in the smallest amount of time. The line of credit uses an open-ended interest calculation and functions similar to a checking account.

This was a cool way my brother showed me on how to gain an extra 6 months off your mortgage and rewards by using an American Express credit card with the Money Merge Account from United First Financial. The secret to paying off your mortgage with the Money Merge Account is all about interest cancellation and the amount of time your money can sit in the HELOC. The problem is bills come throughout the month and most people pay them right when they get them. Instead of paying your monthly bills from your HELOC, why not put them on an American Express card and then payoff the credit card at the end of the month. American Express charges an annual fee on the One Card, but doesn't charge you interest if the balance is paid in full every month. So, you charge any bill you can to the American Express card and then pay it off at the end of the month.By doing this, you will see that you payoff your mortgage about 6 months faster AND you earn rewards from American Express from all the charges yo

It’s another Mother-Talk blog book tour day here at Much More Than a Mom. I’ve been reading up a storm and there’s more to come! I love free books, I love reading and I love telling people what I think. Thank goodness for Mother-Talk! For the last week I’ve been [...]

JaMarcus Russell acknowledged that his first minicamp with the Oakland Raiders was a bit overwhelming. N.F.L. N.F.L. Draft Coverage The draft is now complete. Look back at the picks as they happened on the Fifth Down blog. Randy Moss a Mistake for the Patriots? Go to the Fifth Down Blog » Now having had a little more than a week at home to study the playbook and his performance at practice, Russell, the top pick in last month’s draft, said he felt more comfortable more…

How RSS really does pay off...Have you heard of RSS (Really Simple Syndication)? Did you know you can syndicate your news stories from your website? You probably have seen some orange buttons around the web with the letters "RSS" on them. They allow other websites to link to your news stories with just a click. Simple. Syndicate.Ok. Now, you know about Really Simple Syndication... but where's the payoff? Let's look at the ways that RSS can pay off for you. And, pay off, it does -- when you use this emerging technology effectively.Now by "emerging technology," we mean it is relatively new, and people are still learning about it. But already many savvy webmasters are "aggregating" RSS feeds -- pulling common topic feeds together at their websites. And, big players like Yahoo, and Amazon are offering up RSS solutions. You can "subscribe" to a selection of news feeds on your personalized home page at Yahoo, for example.Feed me... feed me...There's even a search engine just for RSS feeds

Ah, Saturday night. What better time to prepare the Sunday morning reading? The pimps and hos are out in force; evidence of theme parties abounds here in beautiful Boulder, Colo.! And here we are, ensuring a pleasant and informational (and if you’re very good and read the whole thing, hilarious) tomorrow. In we go! Looks like Australia will ban incadescent bulbs. This is fantastic news for anyone who wants good things to happen ever. Here’s the part that blows me away — the part where we get from John Howard’s country to Hugo Chavez’s country in a very short span of time: (more…)

The state of Illinois yesterday took the first steps in selling its state lottery system, hoping to attract as much as $10 billion from investors who, in return, would own a monopoly that could turn out to be the biggest jackpot yet. The sale, which may occur as early as the spring, would not be the first privatization of public property - both Chicago and Indiana have recently earned billions of dollars by signing long-term leases with private companies to run toll roads. But the proposed lottery sale is almost certain be one of the largest privatizations of a state-run program, and it raises concerns that states, some of them critically short of cash, are selling valuable assets that could otherwise provide consistent streams of revenue. Under the proposed sale, Illinois would receive a multibillion-dollar one-time payment, and the lottery’s new owners would receive all revenue and profit for 75 years. Indiana is also considering selling its lottery, and bids are due later this

Struggling with credit card debt issues? You are not alone, average U.S households are holding $10,000 of credit card debts. Paying off the debts has already become American’s dream in general. Finance experts introduce many methods that can help you to clear off your debts. There is not one method that suits all debtors, but [...]