http://www.financealley.com en-us editorial@financealley.com Debt is the curse of our time. We owe so much it would make our ancestors' heads spin. For some their income can cope with the repayments. For others their income simply does not cover all the outgoing and those debts are rising to ever more unsustainable... http://www.financealley.com/article_733349_19.html 03rd January 2009 What is memo? Who writes them? Who needs them? There are three principle methods of written communication in the professions: letters, memos, and emails. While most businesses and organizations use all three on a regular basis, it is the memo that is t... http://www.financealley.com/article_651281_15.html 29th September 2008 Every household feels the need to save more money to answer for other necessities and prepare for plans in the future. However, budgeting the money can be a headache when expenses and bills get too high. No one likes to be left with meager amount of money... http://www.financealley.com/article_527923_19.html 01st May 2008 Investment articles come in all shapes and sizes. Whether you're asking, "What is a 401k plan" and are looking to learn more about early retirement planning or delving deeper into the roth ira limits and 401k providers, there is an article written just fo... http://www.financealley.com/article_527084_19.html 01st May 2008 A debt consolidation loan has many advantages for those struggling with a large burden of debt, particularly credit card debt. Consolidation eliminates the hassle of multiple monthly payments by combining several different debts and loans into one. If an ... http://www.financealley.com/article_526523_19.html 30th April 2008 No man is an island. We all need help once-in-a-while. We’re not only referring to personal matters. We’re talking about financial matters. We reach a point where we have to buy something out of necessity, but we can’t pay in full just yet. An examp... http://www.financealley.com/article_519812_63.html 18th April 2008 Tis the season after Christmas when all through the house, not a creature was stirring but you. Actually, you are cringing after receiving and reading your credit card bill and discovered that the total amount due has drastically increased by more than ... http://www.financealley.com/article_519810_63.html 18th April 2008 Have you experienced being up to your neck with debt? How about a life without debt? Have you experienced that too? If you have, you must know the big difference. And for sure, you will choose the latter. But don’t worry. Even if you are in a sea of... http://www.financealley.com/article_519809_63.html 18th April 2008 You may try debt negotiation with your creditors if you have realized that you can't settle any due bills. In this way, you can find ways on how you can find the needed money before creditors start calling you. Before starting debt negotiations, you s... http://www.financealley.com/article_519807_63.html 18th April 2008 The epidemic of credit card debt in the last five years would make you believe that credit cards are a bad thing. By themselves, credit cards are not bad. They not only can be a tremendous convenience, in many situations a credit card is absolutely esse... http://www.financealley.com/article_515037_19.html 10th April 2008 Does it ever seem like credit card companies seem to treat their customers like indentured slaves? The policies that these credit companies use to handle your accounts are at best unscrupulous and at worst, down right outrageous and robbery. If any othe... http://www.financealley.com/article_515035_19.html 10th April 2008 In most families, there is one person whose job it is to take care of the family budget. It usually is dad or mom and it is that adult’s job to make sure all the bills are paid and that the family budget is healthy so the family can afford the good thi... http://www.financealley.com/article_515033_19.html 10th April 2008 Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, th... http://www.financealley.com/article_503220_19.html 02nd April 2008 As you probably already know, there are many credit cards out there. The one you choose however, should reflect your lifestyle and your ideal spending amounts. If you are looking for the best possible deal and the best company for your credit card, you�... http://www.financealley.com/article_503219_19.html 02nd April 2008 Yes, you can get out of credit card debt. If you are determined to get out of credit card debt you surely can get out of credit card debt. Though it’s a bit difficult to get out of credit card debt, it isn’t impossible. All you need to get out of ... http://www.financealley.com/article_501397_19.html 01st April 2008 Credit cards are no more a luxury, they are almost a necessity. So, you would imagine a lot of people going for credit cards. In fact, a lot of people posses more than one credit cards. So, the credit card industry is growing by leaps and bounds. Howe... http://www.financealley.com/article_501394_19.html 01st April 2008 You see them everywhere. They arrive in the mail. They arrive by phone. They arrive by email. They are positioned by cash registers and gas pumps. They are credit card offers. It can be exciting to read all the enticing offers included on the applications... http://www.financealley.com/article_498530_19.html 27th March 2008 The television advertisements and dozens of junk mail advertisements you get all make big promises. They are real good at selling the idea that they can get you out of credit card debt with some phenomenal program or secret weapon that you can find only ... http://www.financealley.com/article_498528_19.html 27th March 2008 When you see advertisement after advertisement on television of businesses who want you to find out your “free” credit score, that is a red flag that someone is looking to make some money off of you. The funny thing is they are not lying to you but a... http://www.financealley.com/article_498526_19.html 27th March 2008 One of the ways some of us get into credit card debt trouble comes out of nothing more than lack of awareness of how credit cards can sneak up on us. The first time you maxed out a card and faced the overwhelming task of paying down a credit card and get... http://www.financealley.com/article_498523_19.html 27th March 2008 Balance transfers are one of the big methods that are common used to try to get some control over an out of control credit card debt. While many balance transfer offers you get from credit card companies in the mail are not a great deal, some of them can... http://www.financealley.com/article_498522_19.html 27th March 2008 The desire to climb out of credit card debt is universal for anyone who is fighting this big problem. And it isn’t an isolated problem. More and more people are having big problems with credit debt especially in these times when you just about have to... http://www.financealley.com/article_498521_19.html 27th March 2008 When the economy or personal issues and problems result in a high credit card debt, we often find our debt spread over three or four or more cards. So you may have a Visa, several MasterCards, a Discover card and a Capital One card and maybe many more ea... http://www.financealley.com/article_498517_19.html 27th March 2008 Whether you are getting your first credit card or trying to find a home when the credit you already have isn't the best it can be, here are a few questions that might help you through the maze of credit rating and erasing bad debt. Even though the outlook... http://www.financealley.com/article_495606_19.html 26th March 2008 You're finally out in the real world and you probably want to buy a car or a house of your own. You might think that it would be easy, considering you don't have any bad credit; in fact, you don't have any good credit either. You don't have any credit at ... http://www.financealley.com/article_495605_19.html 26th March 2008 While nothing beats a 401k or IRA investment when it comes to retirement planning, many people are looking into investment properties as a supplemental retirement plan. We've all heard stories of people hitting it rich after an initial investment on a sec... http://www.financealley.com/article_480773_19.html 25th February 2008 Bad credit can happen for all sorts of reasons, and they don't all stem from laziness. People can get in accidents, fall to the mistakes made in their youth, get sick, become hospitalized, and move where there is poor mail service. Then, sometimes, circum... http://www.financealley.com/article_480772_19.html 25th February 2008 Everyone should have some basic knowledge on how to read their credit reports and what all those numbers mean. There are so many people out there today who have no idea what their credit score is, and an additional number of people who know nothing about ... http://www.financealley.com/article_480771_19.html 25th February 2008 There are any number of reasons that a person could end up with poor credit and not all of them come from being lazy or cheap. A bad accident or illness, hospitalization, the loss of a job or bad choices in a person's younger years could all be the basis ... http://www.financealley.com/article_476476_19.html 19th February 2008 On the wedding day the last thing any couple is thinking of is divorce. At such a happy time it is hard to think that the relationship might end, but it does happen. Thousands of people get married every day and over half the population is divorced. One p... http://www.financealley.com/article_476475_19.html 19th February 2008 It is surprising how many people don't know what their credit score is, or the number of people who know next to nothing about credit reports at all. A general fear of numbers is resulting in a lack of knowledge when it comes to keeping finances in order.... http://www.financealley.com/article_476474_19.html 19th February 2008 You're finally out in the real world and you probably want to buy a car or a house of your own. You might think that it would be easy, considering you don't have any bad credit; in fact, you don't have any good credit either. You don't have any credit at ... http://www.financealley.com/article_476473_19.html 19th February 2008 If you are looking to improve your financial situation and you own a home, you may want to refinance mortgage payments. This simply means that you apply for a new secured loan so that you can pay off a different loan. The advantage is that by choosing to ... http://www.financealley.com/article_475157_19.html 14th February 2008 For families and individuals faced with credit debt, a credit consolidation loan can help on the road towards financial recovery. It will simplify the repayment process and correct poor spending habits. Credit card debt is the greatest financial burden fa... http://www.financealley.com/article_475156_19.html 14th February 2008 Loans consolidation debt is a viable alternative for those who are struggling with many forms of unpaid debt. Consolidation has many benefits: lower interest rates for a fixed period and the convenience of only having to make one monthly payment. Loan con... http://www.financealley.com/article_475155_19.html 14th February 2008 Most people resort to a debt consolidation loan because of credit card debt. There are advantages to this type of loan, as it combines several debts and loans into one, reducing the monthly hassle of multiple payments at high interest rates. For those who... http://www.financealley.com/article_475154_19.html 14th February 2008 The number of home based businesses that are taking advantage of the reach of the internet is growing at an astounding rate and interest has never been higher in discovering methods to work from home. As a result, internet business network marketing is al... http://www.financealley.com/article_472931_64.html 12th February 2008 A really terrific way of starting to make money on the internet is to join and affiliate marketing network. These affiliate networks make it possible for you to market many different products from a lot of different merchants, and the marketing of the pro... http://www.financealley.com/article_472929_64.html 12th February 2008 With the intense interest in home based business opportunities, network marketing, which is also known as MLM (Multi-Level Marketing) is enjoying a surge in popularity. One of the fundamental ways that most network marketers use to build their businesses ... http://www.financealley.com/article_472928_64.html 12th February 2008 The 401k retirement plan has taken the corporate world by storm since 1979, primarily because of it's affordability to employers. While pensions often sucked companies dry, 401k providers charge a small monthly administration fee (usually around $100) and... http://www.financealley.com/article_463015_19.html 28th January 2008 Bad credit can have a sleeper effect in some ways. One day everything seems fine, and then the next day, you find out that your credit score has plummeted into the ground. Most people don't know what happened to their credit because they have no idea what... http://www.financealley.com/article_463014_19.html 28th January 2008 Bad credit can happen for all sorts of reasons, and they don't all stem from laziness. People can get in accidents, fall to the mistakes made in their youth, get sick, become hospitalized, and move where there is poor mail service. Then, sometimes, circum... http://www.financealley.com/article_463013_19.html 28th January 2008 Whether you are getting your first credit card or trying to find a home when the credit you already have isn't the best it can be, here are a few questions that might help you through the maze of credit rating and erasing bad debt. Even though the outlook... http://www.financealley.com/article_463012_19.html 28th January 2008 While most marriages start off with good intentions and promises of sticking together through thick and thin, it is often those "thin" periods that run the marriage into ruin. No one wants to consider that relationships do end, and many times the split oc... http://www.financealley.com/article_463011_19.html 28th January 2008 Today when credit rules everything we do, it is easy to become discouraged when your credit has a black mark on it. You might feel that your credit is ruined for good and you might never be able to apply for the loans you want because of it. However, with... http://www.financealley.com/article_462468_19.html 25th January 2008 Every month there are tons of bills that come in. There are utilities, car loans, student loans, health insurance, mortgage or rent, cell phone, cable, gas and groceries to be paid. And by the time you get done with those, the next round is due. No doubt ... http://www.financealley.com/article_462467_19.html 25th January 2008 Once you have established major credit problems, it can feel like your head is barely above water. Most people don't know how to fix what they started, and if they did, they wouldn't have credit problems to begin with. Where do you find help for the credi... http://www.financealley.com/article_462464_19.html 25th January 2008 People can live without owning a home, they just rent. People can live without owning a car by riding the bus. People can go without health insurance; it is not ideal but possible. People learn how to deal with cash only instead of credit cards, but there... http://www.financealley.com/article_461811_19.html 25th January 2008 You would be surprised at how many people could not tell you what their credit score is, or how many people know nothing about credit reports in general. There is a fear of numbers out there, and a lack of knowledge that is causing people to lose track of... http://www.financealley.com/article_461810_19.html 25th January 2008 You're finally out in the real world and you probably want to buy a car or a house of your own. You might think that it would be easy, considering you don't have any bad credit; in fact, you don't have any good credit either. You don't have any credit at ... http://www.financealley.com/article_461809_19.html 25th January 2008