tag:blogger.com,1999:blog-170636762011-12-14T19:09:51.401-08:00Personal Finance Commentary and Ideas for the Average PersonTylernoreply@blogger.comBlogger311100tag:blogger.com,1999:blog-17063676.post-1154913606732207022006-08-06T18:19:00.000-07:002006-08-06T18:20:06.983-07:00

Ok, so loan #3 closed.I invested $100 at 9.45%.The borrower has "A" credit and minimal debt.The purpose of this loan is an "interesting" story. Apparently, the borrower want to help his brother get on track and is willing to extend his credit on behalf of his brother.I will let you know how this plays out.

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1154875411518015982006-08-06T07:40:00.000-07:002006-08-06T07:45:31.160-07:00

Ok, I know this isn't exactly financial info but I do use my Ipod a lot for money and investing audio books.This story caught my eye regarding rumors about the next Ipod. It looks great if it is true.Here is a good Ipod website too: www.IpodDetails.com

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1154807515180504382006-08-05T12:33:00.000-07:002006-08-05T12:53:44.563-07:00

So, I have talked about investing in the past (see this post).I happen to stumble across a site by the name of prosper.com. This site creates a person to person lending system.This means...Joe Blo can post a loan needed and Frank Smith can offer to lend it. These are unsecured loans so the risk can be high. Especially if the borrower's credit stinks. I mean there is no carrot in place to

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1154806389434138402006-08-05T12:32:00.000-07:002006-08-05T12:33:09.693-07:00

BeerRock ClimbingArticle AnnouncementsHigh Dividend Paying Dividends

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1153574859982101192006-07-22T06:21:00.000-07:002006-07-22T06:32:43.776-07:00

You may have heard of Cramer (not the guy from Seinfeld) but the stock guru guy. He's a maniac that shouts and screams stock tips.I ran across a recent article of his that has some interesting info. If you are looking for investment opportunities, this is something to consider. Here's an excerpt:Start Article:"I will do anything to help you make money, including working on the chain gang," Jim

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1153434019974148022006-07-20T15:15:00.000-07:002006-07-20T15:20:20.513-07:00

How much money do you make on a daily basis? Are we talking minimum wage, or a nice fat salary? The truth is that we all make various incomes, and work in a number of different fields. However, this doesn't change our desire to make more. What is it with cold hard cash that drives us further and further? You could be like Bill Gates and raking in the billions, but for some inexplicable reason

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1153065843540610492006-07-16T09:01:00.000-07:002006-07-16T09:08:39.423-07:00

This a controversial topic. It is my feeling everyone should be required to have health insurance. Here are my thoughts.There are presently 45 million Americans that do not have health insurance. Are you one of them? There are many reasons why people do not buy health insurance. The number one reason and most obvious is the cost. However the cost to you and your family if you do not have

Tylernoreply@blogger.com1tag:blogger.com,1999:blog-17063676.post-1153062883532501262006-07-16T07:35:00.000-07:002006-07-16T08:24:18.660-07:00

Whatever happened to the freedom of expressing your opinion? This guy wasn't too happy about the negative feedback an eBay buyer left -- so he sued. Go figure.START ARTICLEWhen an eBay seller threatened to sue Bruce Ingrassia for leaving negative feedback, Ingrassia thought he was bluffing. Two months later a warrant arrived at his Santa Clara home from a small-claims court in a tiny town in a

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1153016302161644802006-07-15T19:16:00.000-07:002006-07-15T19:18:29.126-07:00

Do you drink bottled drinking water? If you do you’re not alone. According to the Natural Resources Defense Council (NRDC), more than half of all Americans buy bottled drinking water, to the tune of $4 billion yearly. Those majestic snow capped mountains and glaciers lead us to believe that bottled water is pure and safer to drink than tap water, but this may not always the case as presented on

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1153015586358631292006-07-15T19:05:00.000-07:002006-07-15T19:06:26.670-07:00

Have you ever felt like the bills are weighing you down? Maybe those common expenses are getting out of hand. Are you maxing out credit cards just to keep up? Well, if this sounds all too familiar, then you're not alone. Many of us struggle with the hardships of finances and debt. This doesn't have to be the rain cloud putting a damper on your life. There are ways to get out of debt. It's time to

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152591997953642472006-07-10T21:22:00.002-07:002006-07-10T21:42:26.286-07:00

This is a funny one:Gambling addict blew £1m of firm's money on internet betsBRYAN BENJAFIELD’S bosses at a construction company were happy to see him hunched over his keyboard, beavering away at his job as an account administrator...Continue Readingtechnorati tags:work, boss, internet, gambling, employee, gamble, money, fraud, steal, working

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152502455475629282006-07-09T20:32:00.000-07:002006-07-09T20:34:16.010-07:00

If you smoke and you want to protect your family with term life insurance, you need to read this article: Smoker Term Life Insurance

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152480574148241262006-07-09T14:29:00.000-07:002006-07-09T14:29:34.606-07:00

As I look on my desk right now, I see about 10 credit card offers that need to be shredded. Are those low rate and zero rate cards a good deal?The Hidden CostWe all know their typical spiel. Those clever credit card companies know just what you want to hear. That's why your mailbox is consistently filled with offers for 0 apr credit cards. They love to pitch that; don't they?...continue reading:

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152410717840973932006-07-08T19:05:00.000-07:002006-07-08T19:11:25.756-07:00

A recent article from Kliplingers implies that Dick Cheney's investments are indication of where the ecomony is headed.Are Dick Cheney's money managers betting on economic colapse?Vice President Cheney's financial advisers are apparently betting on a rise in inflation and interest rates and on a decline in the value of the dollar against foreign currencies. That's the conclusion we draw after

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152298844923237202006-07-07T12:00:00.000-07:002006-07-07T12:19:56.960-07:00

Here's a good article I found on money tips. I hope you enjoy it.50 personal finance tips ranging from real estate to retirement to career networking to home gadgets that save you cash.read more tag: money

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152163998190213772006-07-05T22:29:00.005-07:002006-07-05T22:52:06.486-07:00

I caught this article today on Money and had to post it. How many times have you taken advantage of some "great deal" only to end up paying more than you saved...Come on be honest.Money lists the following "great deals" that you need to think through before you part with your hard-earned cash:1) Interest free financing2) Opening a bank account and get a gift3) Extended Warranties4) Cheap stock

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152105949990940282006-07-05T06:25:00.000-07:002006-07-10T22:19:36.560-07:00

I have this friend that is having a tough time with a new car she bought. In the past year, it's had several electrical and mechanical problems.Now in most cases, you have a warranty and the dealership will fix it. In this case, the dealership is saying it is outside of the warranty and even after charging her to fix it but the problem remains.I suggested she call an attorney to see if this falls

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1152061018131730792006-07-04T17:53:00.002-07:002006-07-04T18:00:49.396-07:00

Ok, maybe the title is stretching it a little but signing up for a subscription service through PayPal is the best way to go.Does this sound familiar?Have you subscribed to a service and then when it comes time to cancel, it was near impossible? You know the drill. No response to your email(s). Put on hold for hours. Finally, you forget about it a while longer until you let it consume your time

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1151994471308574242006-07-03T23:23:00.002-07:002006-07-03T23:28:56.050-07:00

I caught this article from JS Online about the state of the economy. The article identifies some ecommic red flags such as increases in foreclosures, interest rates and energy costs. It's a good read and a reminder to keep your financial house in order. http://www.jsonline.com/story/index.aspx?id=445527 Pressures building toward economic slowdown in 2nd half of 2006, analysts predictMark

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1151982607048565702006-07-03T20:09:00.000-07:002006-07-03T20:16:22.003-07:00

Now days, to understand life insurance, you need to be a brain surgeon. It really doesn't need to be that complicated, but hey, if it was easy to understand, there wouldn't be huge commissions paid to life insurance agents.I put together a site that helps explain life insurance details. You can visit the site here and get a bunch of life insurance info:www.LifeInsuranceDetails.comTechnorati

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1151210777978296012006-06-24T21:42:00.000-07:002006-06-24T21:46:17.990-07:00

This report caught my eye:Over two trillion dollars in Adjustable Rate Mortgage (ARM) loans are set to start adjusting in the next two years. This means higher interest rates and higher mortgage payments for consumers.(PRWEB) June 5, 2006 -- With the economy moving strongly forward, inflation is on the rise -- which also means that home loan rates are on the rise. WSJ Online reported in March of

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1151080508671761562006-06-23T09:30:00.000-07:002006-06-25T08:11:46.770-07:00

If you have an adjustable mortgage, start doing your homework. It is likely you should refinance your mortgage to a fixed rate mortgage.Here is some good info on finding a quality mortgage broker:Title: Go for Broker: A Mortgage Broker Can Pay Off for YouMaybe you’re buying your first home, refinancing or maybe you’re just considering upgrade residences. Whatever the reason, you’re going to

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1148682592677315902006-05-26T15:26:00.002-07:002006-05-26T15:31:58.346-07:00

I decided to start a a new site that will be focused around managing, controlling and reducing your debt.Please give it a visit when you have a chance and feel free to give me advice on improving the site.Here is the link: www.reduce-debt-help.com

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1148058678768999802006-05-19T10:09:00.000-07:002006-05-26T11:50:03.400-07:00

This site freecarfinder.net claims you can earn a car for free by driving around with advertisements on the car. Not sure if it is true but sounds interesting.Let me know if you give it a try.

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1148057206757792002006-05-19T09:42:00.000-07:002006-05-19T09:52:24.566-07:00

Do you know what an annuity is? Is it right for?Annuities guarantee that you will receive a certain amount of income for a certain period of time. Typically you will receive payments until you die.In theory, annuities are a great investment but in reality they are very complex and their is typically a lot of strings involved.Here is a good article about annuities that I recommend you read:

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1128700649592342132005-10-07T08:55:00.000-07:002005-10-07T09:08:57.466-07:00

Well, I paid the balance on my Citibank credit card last month. And unfortunately, sent the payment to an old Citibank credit card #.Early this week I got a statement stating I was late and $26 of late charges tacked on.I called Citibank and got pushed around numerous departments and was told they would "try" to transfer the payment to my other account and get back to me on Thursday (yesterday).

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1128025335732483212005-09-29T13:04:00.000-07:002006-05-19T10:24:18.806-07:00

Identity theft is a big concern tome so I subscribe to a service that does credit monitoring and I find it very useful. The service provides the following items as part of the credit monitoring:1) Access anytime to my credit report for all three credit bureau2) My credit score (FICO)3) Email and a written letter notifying me of any changes in my credit file when they happen4) Email and a written

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1127775967872547292005-09-26T15:44:00.000-07:002005-09-29T09:03:40.040-07:00

With better spending habits taking control of my finances, I anticipate investing more in 2006.Here is a list of investments I made in 2005 and how they are doing:I subscribe to a monthly newsletter on small cap stocks. Small cap stocks are small publicly held companies. By their nature they are riskier but have potential for great return. I have invested in 5 different small cap stocks in the

Tylernoreply@blogger.com1tag:blogger.com,1999:blog-17063676.post-1127693349459657872005-09-25T16:58:00.000-07:002005-09-29T09:05:56.676-07:00

This may sound super basic but I guarantee you it will save you thousands of dollars when you are buying a car.Bring a financial calculator that can calculate car loan payments. This probably is the number one factor in you getting the best deal possible when you are buying a car.When my wife and I went to buy a car last month, the first thing the salesman said was he would sell it for $550 per

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1127613495777000232005-09-24T18:44:00.000-07:002005-09-25T16:56:51.993-07:00

Here are 5 personal finance tips that I have used and are providing noticeable benefits in my finances:1) Create and monitor a monthly budget. You should include reserves for future expenses -- The first time I did this it got me to think about expenses 6 months ahead. When I have some time, I am going to post the format for my excel spreadsheet. Leave a comment if this is something you would

Tylernoreply@blogger.com0tag:blogger.com,1999:blog-17063676.post-1127529503145386362005-09-23T19:38:00.000-07:002005-09-24T19:14:41.723-07:00

This is my first post to Financial Wisdom 101 about personal finance issues and ideas that are important to me.For the first 37 years and 7 months of my life, my spending habits have been financially irresponsible. If I wanted something, I bought or charged it. I never gave a lot of thought to whether I needed it or was it a good price.In the last couple of months, I have changed my personal

Tylernoreply@blogger.com0