http://factoidz.com/experts-in/personal-finance/ personal finance articles on Factoidz en-us http://factoidz.com/how-to-work-with-your-mortgage-company-to-avoid-going-into-foreclosure/ http://factoidz.com/how-to-work-with-your-mortgage-company-to-avoid-going-into-foreclosure/ A lost job, a death in the family, too many bills piling up - there are many reasons why families today are losing their homes. However, there are many actions you can take to try and save your home before it's foreclosed on. The first thing to do is contact your mortgage company! It's th... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/foreclosures-vs-short-sales-what-is-the-difference.jpg http://factoidz.com/petition-lawmakers-in-dc-to-negotiate-with-china-and-india-automakers-to-build-in-in-the-us/ http://factoidz.com/petition-lawmakers-in-dc-to-negotiate-with-china-and-india-automakers-to-build-in-in-the-us/ Dear Friends and extended Family, Pax Vobiscum! Peace be with you (Latin) First things First, Please petition your congressman to contact Chinese and Indian Automakers to build in your state. Now I know what you are thinking, "Why that's going to take away jobs, or hurt our economy!" Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-17.jpg http://factoidz.com/breaking-down-the-financial-advantages-of-buying-a-home-with-a-mortgage/ http://factoidz.com/breaking-down-the-financial-advantages-of-buying-a-home-with-a-mortgage/ Buying a home creates many advantages, so many that one article will probably not be enough to list them.  Buying a home using a home mortgage also creates many advantages if done correctly, and since there is a lot of negative feeling out there about mortgages let's address... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/buying-a-home-get-good-advice.jpg http://factoidz.com/5-lies-investors-believe-in-the-stock-market/ http://factoidz.com/5-lies-investors-believe-in-the-stock-market/ It’s amazing what fuels the stock market, whether its rumor, innuendo, earnings reports or scandal, something is always causing investors to react. The Big Funds move based on theories, individual invest... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/7-ways-to-thrive-in-this-stock-market.jpg http://factoidz.com/stock-investing-working-capital-model-portfolio-selection/ http://factoidz.com/stock-investing-working-capital-model-portfolio-selection/ One of the great things about being a professional investor is the opportunity one has to apply his or her long-term experience to the investment environment that is unfolding (or coming unglued) in the present. If nothing else, most successful investors develop a consistent strategy that allows... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/choosing-the-right-mutual-funds.jpg http://factoidz.com/renting-vs-owning-a-home-why-now-is-the-right-time-to-buy/ http://factoidz.com/renting-vs-owning-a-home-why-now-is-the-right-time-to-buy/ Buying a home can be a scary process if you've never done it before but the benefits certainly outweigh the initial fears you may have about the idea of home ownership. Sadly, many renters are afraid to take the plunge until much later in their lives and later find out about a... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-private-mortgage-insurance-pmi.jpg http://factoidz.com/how-to-write-your-own-last-will-testament-free-without-an-attorney-for-estate-probate/ http://factoidz.com/how-to-write-your-own-last-will-testament-free-without-an-attorney-for-estate-probate/ Preamble:  I am an attorney, licensed to practice in California and before the federal courts.  This article is not intended to provide legal advice, and it does not in any way imply that the reader has an attorney/client relationship with me just by virtue of having read it.  This article is no... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/business-2.jpg http://factoidz.com/america-in-crisis/ http://factoidz.com/america-in-crisis/ What happened to America?  What happened to the streets paved with gold and opportunity for everyone?  The stock market is down more that fifty percent.  Unemployment is up. The housing market has tanked. Jobs are being lost daily.  And so it is!  Every day brings a new surprise. America has... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/america-in-crisis.jpg http://factoidz.com/how-to-handle-debt-in-this-age-of-turbulent-internet-uncertainties/ http://factoidz.com/how-to-handle-debt-in-this-age-of-turbulent-internet-uncertainties/ This article is dedicated to Jim Williams and all out there suffering the uncertainties of debt and the world. Colethetruth is here to try to assist thee. Now God works in mysterious ways. We as humans are his children although sometimes we think our way is the best. But one thing is for sure, Go... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-9.jpg http://factoidz.com/where-to-store-your-money-in-these-unsure-times/ http://factoidz.com/where-to-store-your-money-in-these-unsure-times/ In the world today it is hard to trust anyone or company with any form of currency.  So what should you do with your money?  Where should you store it?  Is a bank the best place?  How do I know my money will be OK?  Well the answer to all these question I hope to answer for you my friends. S... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/where-to-store-your-money-in-these-unsure-times.jpg http://factoidz.com/an-investment-strategy-to-profit-from-the-legalization-of-marijuana/ http://factoidz.com/an-investment-strategy-to-profit-from-the-legalization-of-marijuana/ We haven’t reached a point where corporations own swathes of cultivated fields that produce a semi-annual crop worth billions of dollars. A crop that can be taxed by the government on... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/an-investment-strategy-to-profit-from-the-legalization-of-marijuana.jpg http://factoidz.com/a-simple-and-legal-trick-to-stop-paying-credit-card-interest/ http://factoidz.com/a-simple-and-legal-trick-to-stop-paying-credit-card-interest/ With the economy being in such a mess most people have had to cut corners anywhere they can so most are just paying the minimum amount they can on their credit card debt. Some have consolidated their credit card debt and had the minimum amount of their monthly payment lowered. But did they realize t... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/a-simple-and-legal-trick-to-stop-paying-credit-card-interest.jpg http://factoidz.com/is-chaos-investing-the-system-for-your-stock-woes/ http://factoidz.com/is-chaos-investing-the-system-for-your-stock-woes/ Everybody’s got a system, a hot tip, or an advanced way to select their winning stocks. They use dice, bones, game boards, dart boards, maybe even pick the stock like the pick the pon... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/is-chaos-investing-the-system-for-your-stock-woes.jpg http://factoidz.com/is-it-time-to-forget-about-funds/ http://factoidz.com/is-it-time-to-forget-about-funds/ I prefer the direct method of individual stock trading and ownership. But millions of Americans don’t want to be bothered with controlling their own money, so they turn ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/investing-2.jpg http://factoidz.com/will-obamas-new-credit-card-bill-turn-the-tables-on-the-industry/ http://factoidz.com/will-obamas-new-credit-card-bill-turn-the-tables-on-the-industry/ President Obama’s sweeping reforms on the credit card industry should be signed into effect today, enacting consumer protection from predatory lending practices by giant credit card companies such as Chase, Citi, and Bank of Amer... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/investing-2.jpg http://factoidz.com/managing-money-in-your-home-business/ http://factoidz.com/managing-money-in-your-home-business/ Once you have embarked on the journey of a home business, you may have questions about how to handle the financial aspect of your venture. The one key factor in managing money in your home based business is to keep it separate from your personal finances.  This is important for a number of reasons.... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/business-2.jpg http://factoidz.com/borrowing-at-0-the-good-the-bad-and-the-ugly/ http://factoidz.com/borrowing-at-0-the-good-the-bad-and-the-ugly/ If your credit is halfway decent (and sometimes even when its not), you've gotten one of these offers at one point: We're your friendly neighborhood credit card company!  We love you so much, we want to lend you money at incredibly low rates for 6 months, or a year, or maybe the life of ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/borrowing-at-0-the-good-the-bad-and-the-ugly.jpg http://factoidz.com/who-really-owns-your-home/ http://factoidz.com/who-really-owns-your-home/ We all want a piece of the “American Dream”. So each year, by the thousands we search high and low for the perfect home. When we find it, we trot off to our bank or the local mortgage broker to take out a loan to buy the ho... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/who-really-owns-your-home.jpg http://factoidz.com/why-you-should-insist-on-a-buyers-agreement-when-buying-a-home/ http://factoidz.com/why-you-should-insist-on-a-buyers-agreement-when-buying-a-home/ Recently I had a person who has been in the real estate industry for many years tell me, buyers interested in purchasing high end properties, single family homes or condos above the million dollar rang... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/why-you-should-insist-on-a-buyers-agreement-when-buying-a-home.jpg http://factoidz.com/how-to-borrow-and-lend-money-using-social-lending-sites/ http://factoidz.com/how-to-borrow-and-lend-money-using-social-lending-sites/ Borrowing and lending money from one individual to another can be a very risky proposition.  Most of these loans are made to/from friends and family, and relationships can be forever scarred by the mishandling of said transactions.  Community lending sites are the perfect solution; they allow for ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-borrow-and-lend-money-using-social-lending-sites.jpg http://factoidz.com/how-to-organize-your-financial-life/ http://factoidz.com/how-to-organize-your-financial-life/ Every one struggles with financial burdens, and everyone wants financial freedom.  I have had my share of ends and outs and troubles concerning our household finances from one time to another.  I have found some things to be tried and true, and I will share them with you. First of all, it is im... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-organize-your-financial-life.jpg http://factoidz.com/stocks-munis-corporate-bonds-mutual-funds-an-introduction-to-investing/ http://factoidz.com/stocks-munis-corporate-bonds-mutual-funds-an-introduction-to-investing/ Home foreclosures are soaring to record proportions. Unemployment is reaching levels not seen in more than two decades. The U.S. Dollar is slipping against foreign currencies. All in all, not the brightest ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/stocks-munis-corporate-bonds-mutual-funds-an-introduction-to-investing.jpg http://factoidz.com/beware-of-rent-to-own-home-scams/ http://factoidz.com/beware-of-rent-to-own-home-scams/ With foreclosures at an all-time high and a poor economy, many people are looking into rent-to-own programs for their own piece of that American dream. Unfortunately, many if not most of these programs are simply another way of suckering people who have already been knocked down to the bottom run... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/beware-of-rent-to-own-home-scams.jpg http://factoidz.com/my-painful-experience-with-health-saving-accounts-hsas-and-deductibles/ http://factoidz.com/my-painful-experience-with-health-saving-accounts-hsas-and-deductibles/ Where do I begin? Yes, HSAs can be good and Yes, they can be painful. There is just so much they do not tell you. Ask the questions: What is my deductible? Mine was $3,000. Does that include Medicines from the pharmacies? What does it include? Then they get you with the “Necessary and reasonabl... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/my-painful-experience-with-health-saving-accounts-hsas-and-deductibles.jpg http://factoidz.com/8000-tax-credit-now-may-be-used-for-your-down-payment/ http://factoidz.com/8000-tax-credit-now-may-be-used-for-your-down-payment/ Hot off the presses! Seriously big news about the $8,000 tax credit!  READ THIS! The Federal Housing Administration (F.H.A.) is going to permit its lenders to allow homeowners to use the $8,000 tax credit as a downpayment. "We all want to enable FHA consumers to access the home buyer tax cred... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/8000-tax-credit-now-may-be-used-for-your-down-payment.jpg http://factoidz.com/why-arent-credit-reporting-agencies-accountable-for-report-accuracy/ http://factoidz.com/why-arent-credit-reporting-agencies-accountable-for-report-accuracy/ Thursday was a successful day around here. After five hours of unrelenting telephone negotiations and moving up the food chain in 3 different organizations, I was able to move on to three hours of lett... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/why-arent-credit-reporting-agencies-accountable-for-report-accuracy.jpg http://factoidz.com/7-deadly-sins-of-stock-trading/ http://factoidz.com/7-deadly-sins-of-stock-trading/ All right, so they won’t kill you, but if you violate any of these stock market sins, you may kill your portfolio. LUST Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/7-deadly-sins-of-stock-trading.jpg http://factoidz.com/cobra-can-it-be-a-rip-off/ http://factoidz.com/cobra-can-it-be-a-rip-off/ COBRA is an acronym that stands for: Consolidated Omnibus Budget Reconciliation Act. Gee, that really clarifies thigs, does it not? What this is supposed to do and the conditions by which it attempts to do it can sometimes be just as ambiguous as the name itself. In short, the p... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/cobra-can-it-be-a-rip-off.jpg http://factoidz.com/self-honesty-priorities-paying-yourself-7-ways-to-survive-and-thrive-in-this-stock-market/ http://factoidz.com/self-honesty-priorities-paying-yourself-7-ways-to-survive-and-thrive-in-this-stock-market/ You must pay yourself first. This is rule number one of wealth building, and should be a foundation of your stock growth pl... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/self-honesty-priorities-paying-yourself-7-ways-to-survive-and-thrive-in-this-stock-market.jpg http://factoidz.com/7-ways-to-thrive-in-this-stock-market/ http://factoidz.com/7-ways-to-thrive-in-this-stock-market/ Dream Big Dreams There are still winning stocks out there, you just have to find them. It may seem blo... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/7-ways-to-thrive-in-this-stock-market.jpg http://factoidz.com/day-trading-versus-swing-trading-which-job-is-better-for-you/ http://factoidz.com/day-trading-versus-swing-trading-which-job-is-better-for-you/ You usually only hear the negative about day traders, how they affect the wild fluctuations in the market or the media picks up on the story of a crazy person who lost it all in the market and then took their revenge on co-workers. But the vast maj... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/day-trading-versus-swing-trading-which-job-is-better-for-you.jpg http://factoidz.com/what-is-cya-stock-trading/ http://factoidz.com/what-is-cya-stock-trading/ We’ve all heard it before, CYA or “Cover Your a**” when it comes to documenting everything so that when the crap starts flying, it doesn’t hit you. It’s usually applied to work, or bitter d... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-cya-stock-trading.jpg http://factoidz.com/buy-companies-rather-than-stocks-understanding-warren-buffets-investment-strategy/ http://factoidz.com/buy-companies-rather-than-stocks-understanding-warren-buffets-investment-strategy/ Warren Buffet is considered one of the ultimate financial wizards when it comes to picking stocks. He selects companies with historic returns that beat the market average and turned him into one of the wor... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/buy-companies-rather-than-stocks-understanding-warren-buffets-investment-strategy.jpg http://factoidz.com/what-to-do-if-you-are-being-abused-by-a-debt-collector/ http://factoidz.com/what-to-do-if-you-are-being-abused-by-a-debt-collector/ If debt collectors are calling you at any hour of the day and night they might be breaking the law. Debt collectors are hired by companies that you owe money to, or the collectors purchase the debt from a company that you owe money to, and they try to collect from you. Though you do owe the debt, yo... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-to-do-if-you-are-being-abused-by-a-debt-collector.jpg http://factoidz.com/keeping-an-excellent-credit-score-understanding-the-game/ http://factoidz.com/keeping-an-excellent-credit-score-understanding-the-game/ Understanding The Game There is a wealth of knowledge on this subject but understanding a few basic concepts will insure you are on the correct path of building your credit.  Most of your bills that you pay monthly only report to the Credit Bureaus if you do not pay them, which ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/keeping-an-excellent-credit-score-understanding-the-game.jpg http://factoidz.com/how-to-deal-with-the-stock-market-personal-experience/ http://factoidz.com/how-to-deal-with-the-stock-market-personal-experience/ My own initial experience with the stock market was a disaster where I lost quite a bit of my hard earned money. But i was fascinated by the entire concept, and by the stories that i got to read about some people who had become wealthy by trading in stock market, so wanted to give it another try..; ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-deal-with-the-stock-market-personal-experience.jpg http://factoidz.com/how-to-recover-your-damage-deposit/ http://factoidz.com/how-to-recover-your-damage-deposit/ Everybody faces the same tense moments when they move — will they get their damage deposit back from the landlord? You vacuumed the carpet and wiped the spills in the refrigerator, but what else can you do to get more of your money back? Here's a few easy and inexpensive ways to improve your... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-recover-your-damage-deposit.jpg http://factoidz.com/have-we-reached-the-bottom-of-real-estate-values-yet/ http://factoidz.com/have-we-reached-the-bottom-of-real-estate-values-yet/ Have We Reached the Bottom Yet? That seems to be the question on everyone’s mind lately. Will homes continue to drop in value or have we started to see prices level off? Every market is different a... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/have-we-reached-the-bottom-of-real-estate-values-yet.jpg http://factoidz.com/purchasing-a-home-with-bad-credit-in-the-wake-of-the-subprime-mortgage-crisis/ http://factoidz.com/purchasing-a-home-with-bad-credit-in-the-wake-of-the-subprime-mortgage-crisis/ Applying for a mortgage loan to purchase a home is asking a lender to give you a pretty large chunk of change, based on your past track record of how you’ve repaid other lenders--your credit record. Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/purchasing-a-home-with-bad-credit-in-the-wake-of-the-subprime-mortgage-crisis.jpg http://factoidz.com/how-to-protect-yourself-from-identity-theft-with-diy-credit-monitoring/ http://factoidz.com/how-to-protect-yourself-from-identity-theft-with-diy-credit-monitoring/ Identity theft has become one of our biggest fears. The question is how to best protect yourself from such a terrible crime. There are companies who, for a service fee, will take steps to reduce your risk of identity theft. Many of these companies will repay your losses and help you clear your names... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-14.jpg http://factoidz.com/how-to-get-the-late-fees-waived-on-your-countrywide-mortgage/ http://factoidz.com/how-to-get-the-late-fees-waived-on-your-countrywide-mortgage/ Now that Bank of America has taken over that disgusting quasi-criminal organization called Countrywide Home Loans, and that douche bag Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-get-the-late-fees-waived-on-your-countrywide-mortgage.jpg http://factoidz.com/option-trading-is-like-baseball/ http://factoidz.com/option-trading-is-like-baseball/ Trading options in the stock market is a lot like baseball. You can either win or lose depending on how you play the game and how you control your errors. Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/option-trading-is-like-baseball.jpg http://factoidz.com/selling-your-home-in-todays-market-seller-beware/ http://factoidz.com/selling-your-home-in-todays-market-seller-beware/ There are only two good reasons to sell your home in 2009: You MUST, and Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/selling-your-home-in-todays-market-seller-beware.jpg http://factoidz.com/buying-a-foreclosure-buyer-beware/ http://factoidz.com/buying-a-foreclosure-buyer-beware/ Every day, I see the media touting what great deals exist today are on “distress sales” -- foreclosed homes and “short sales.” The reports I’ve seen tend to minimize the downside of buying di... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/buying-a-foreclosure-buyer-beware.jpg http://factoidz.com/basic-option-trading-buying-calls-and-puts/ http://factoidz.com/basic-option-trading-buying-calls-and-puts/ Option trading in the stock market seems simple at first, but there are many different facets and strategies to trading options. Options can be traded on almost any stock or index. Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/basic-option-trading-buying-calls-and-puts.jpg http://factoidz.com/how-to-make-or-lose-a-small-fortune-betting-on-the-dow/ http://factoidz.com/how-to-make-or-lose-a-small-fortune-betting-on-the-dow/ Not many people know you can place a bet on the Dow Jones Industrial Average. You can gamble whether it goes up or down. For example if you believe the Dow is going to go up then you can purchase a product called a Dow... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-make-or-lose-a-small-fortune-betting-on-the-dow.jpg http://factoidz.com/how-debt-consolidation-works/ http://factoidz.com/how-debt-consolidation-works/ Debt consolidation is a phrase thrown around a lot lately.  There are many companies out there advertising it, and for someone who's in debt, it's probably quite difficult to differentiate between the good ones and the bad ones.  Here are a few things to help you in understanding how debt consolid... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-debt-consolidation-works.jpg http://factoidz.com/why-do-i-always-recommend-certified-public-accountants-cpas/ http://factoidz.com/why-do-i-always-recommend-certified-public-accountants-cpas/ In many of my real estate articles, particularly those relating to real estate investing and tax issues, I recommend turning to a Certified Public Accountant (C.P.A.) for advice. Recently, someone who ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/business-1.jpg http://factoidz.com/real-estate-investing-five-steps-to-figuring-out-what-its-worth/ http://factoidz.com/real-estate-investing-five-steps-to-figuring-out-what-its-worth/ Whether you are thinking about buying a single-family rental, a duplex or four-unit, or a 200-unit apartment complex, there comes that moment when you must decide a dollar figure to write in the purchase ag... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/real-estate-investing-five-steps-to-figuring-out-what-its-worth.jpg http://factoidz.com/foreclosures-vs-short-sales-what-is-the-difference/ http://factoidz.com/foreclosures-vs-short-sales-what-is-the-difference/ “Confusion” is the watchword when most consumers hear the terms “foreclosures” and “short sales.” Most consumers don’t understand their definitions and even more don’t understand how di... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/foreclosures-vs-short-sales-what-is-the-difference.jpg http://factoidz.com/the-pros-and-cons-of-bankruptcy/ http://factoidz.com/the-pros-and-cons-of-bankruptcy/ I just answered a question about bankruptcy, so that got me to thinking about writing a factoid on the subject. For some bankruptcy can be a life rope thrown out to a person that is drowning in debt and cannot take care of themselves and their families due to the bill collectors calling you on the p... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-13.jpg http://factoidz.com/how-useful-is-the-dow-jones-average/ http://factoidz.com/how-useful-is-the-dow-jones-average/ The DOW Jones Average is made up of 30 companies on the New York Stock exchange. As of January... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/investing-3.jpg http://factoidz.com/buying-foreclosures-buyer-beware/ http://factoidz.com/buying-foreclosures-buyer-beware/ The current feeding frenzy over foreclosed properties -- fueled by media hype that buyers are getting outrageously good deals -- has caused many uninformed buyers to leap headlong into the foreclosure arena wi... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/buying-foreclosures-buyer-beware.jpg http://factoidz.com/estimating-home-repair-costs-don%e2%80%99t-forget-the-%e2%80%9coops-factor%e2%80%9d/ http://factoidz.com/estimating-home-repair-costs-don%e2%80%99t-forget-the-%e2%80%9coops-factor%e2%80%9d/ Twenty years ago, a real estate investor friend of mine were walking through a dilapidated property he was considering buying. As we walked, he jotted notes as to what repairs the home needed and scrib... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-10.jpg http://factoidz.com/how-to-start-a-budget-to-deal-with-debt/ http://factoidz.com/how-to-start-a-budget-to-deal-with-debt/ The recession is hitting people hard – repossessions are up, insolvency is on the increase, businesses are failing, credit is increasingly hard to get and people are spending less. Many indi... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-start-a-budget-to-deal-with-debt.jpg http://factoidz.com/how-to-make-money-in-a-bear-market-part-iii/ http://factoidz.com/how-to-make-money-in-a-bear-market-part-iii/ Now, you're on your way to becoming financially independent, even when the economy is in a slum. I don't know how many times I hear people talking about the fear of losing your job. Well, here are some simple steps to avoid that fear all together. Create an idea for a company that would ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/business-2.jpg http://factoidz.com/important-update-on-8000-tax-credit-hot-off-the-presses/ http://factoidz.com/important-update-on-8000-tax-credit-hot-off-the-presses/ The IRS has just released a new form (Form #5405) to adress the new $8,000 tax credit and  it appears buyers WILL be able to claim the credit on their 2008 taxes if they close on a home prior to submitting their 2008 taxes (on or before April 15, 2009). ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-15.jpg http://factoidz.com/your-home-is-an-investment-and-so-much-more/ http://factoidz.com/your-home-is-an-investment-and-so-much-more/ In all of this talk of foreclosures, bailouts, short sales and refinancing, what is sometimes lost is that money spent buying real estate is an investment, and, like any investment,its value can go up or down. Why is the prospect of losing our homes so damaging to our economy but even more devastati... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-8.jpg http://factoidz.com/how-the-stimulus-bill-could-affect-you/ http://factoidz.com/how-the-stimulus-bill-could-affect-you/ There is a lot to this stimulus package and still some questions. It affects some Americans many ways and from what I read it doesn’t help many other Americans at all. Here are some of the ways this February 2009 stimulus cou... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-the-stimulus-bill-could-affect-you.jpg http://factoidz.com/how-mortgage-lending-has-changed-after-the-first-subprime-debacle/ http://factoidz.com/how-mortgage-lending-has-changed-after-the-first-subprime-debacle/ That portion of the mortgage industry which has survived the first wave of public airing of its dirty laundry and public mistrust and anger in order to grab a share of bailout funds, is quaking with fear--especially since the economy is bracing for anothe... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-mortgage-lending-has-changed-after-the-first-subprime-debacle.jpg http://factoidz.com/cutting-financial-corners-creatively-in-this-down-economy/ http://factoidz.com/cutting-financial-corners-creatively-in-this-down-economy/ With so many people out of work, facing the prospect of losing their homes, no medical insurance for many, and President Obama officially announcing that the recession is here, it's no wonder folks need info on how to cut corners... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-17.jpg http://factoidz.com/stimulus-8000-tax-credit-to-first-time-home-buyers/ http://factoidz.com/stimulus-8000-tax-credit-to-first-time-home-buyers/ There seems to be a great deal of confusion over the $8,000 tax credit for home buyers which President Obama plans to sign into law tomorrow.  Who qualifies for the tax credit?  Is it for anyone or is it limited by income?  Will I be required to repay the tax credit?  When ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/default-2.jpg http://factoidz.com/how-to-make-money-in-a-bear-market/ http://factoidz.com/how-to-make-money-in-a-bear-market/ So, the economy is in a crutch, and you're worried about losing your job OR losing your investments. Here are some ways to make MORE money in a bear market, than ever before. I'm sure you've heard the "Buy low, sell high" phrase. However, no one seems to follow it. When the market is down, that's wh... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/images/p/investing-1.jpg http://factoidz.com/buying-a-home-get-good-advice/ http://factoidz.com/buying-a-home-get-good-advice/ Buying a home? Get good advice. W... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/buying-a-home-get-good-advice.jpg http://factoidz.com/for-sale-by-owner-fsbo-should-you-sell-your-home-by-yourself-or-not/ http://factoidz.com/for-sale-by-owner-fsbo-should-you-sell-your-home-by-yourself-or-not/ In today’s tough economy, we all want to save money. Homeowners who have lost equity in their homes as a result of declining values may feel the only way to salvage what is left of their equity is to sell the home themselves and pocket what they would otherwise pay in commission. In today’s t... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/for-sale-by-owner-fsbo-should-you-sell-your-home-by-yourself-or-not.jpg http://factoidz.com/how-to-prepare-financially-before-a-medical-procedure/ http://factoidz.com/how-to-prepare-financially-before-a-medical-procedure/ Hospital stays, pre-op preparation, post-op care…there is a lot to consider when facing an upcoming medical procedure. But have you prepared your financial game plan? Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-prepare-financially-before-a-medical-procedure.jpg http://factoidz.com/five-crazy-ideas-to-save-our-economy/ http://factoidz.com/five-crazy-ideas-to-save-our-economy/ Forgive me if I appear to be stating the obvious, but our free-market economy is based on a delicate balance of supply and demand.  Usually, with minor ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/five-crazy-ideas-to-save-our-economy.jpg http://factoidz.com/step-by-step-how-to-defer-your-real-estate-taxes-using-a-1031-tax-exchange/ http://factoidz.com/step-by-step-how-to-defer-your-real-estate-taxes-using-a-1031-tax-exchange/ The 1031 tax exchange real estate transaction is an excellent strategy for deferring taxes but should not in anyway be thought of as avoiding paying taxes. There are a number of key components to be mindful of when consider... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/strategies-behind-the-1031-transaction.jpg http://factoidz.com/compounding-interest-and-the-rule-of-72/ http://factoidz.com/compounding-interest-and-the-rule-of-72/ This article will discuss the magic of compounding interest and a quick and easy way to make forecasts based on the interest rate you expect.  Investing or saving money is a way to secure your future.  Your goals should be realistic and achievable.  This discussion will help you decide on your go... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/compounding-interest-and-the-rule-of-72.jpg http://factoidz.com/how-should-you-invest-in-infrastructure/ http://factoidz.com/how-should-you-invest-in-infrastructure/ http://factoidz.com/how-to-invest-in-infrastructure-spending/ This is very thorough advice. I would change one thing though: It seemed like, correct me if I'm wrong, that Sam Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-should-you-invest-in-infrastructure.jpg http://factoidz.com/how-to-invest-in-infrastructure-spending/ http://factoidz.com/how-to-invest-in-infrastructure-spending/ There has been a lot of talk recently that the one way we can get out of this severe recession would be to put people to work, and the one area that really needs work is infrastructure. Newly elected President Obama especially ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-invest-in-infrastructure-spending.jpg http://factoidz.com/eight-steps-to-powerful-negotiating-in-a-buyers-real-estate-market/ http://factoidz.com/eight-steps-to-powerful-negotiating-in-a-buyers-real-estate-market/ In today’s real estate market, Buyers have plenty of inventory to choose from and sellers have lots of competition up and down their streets. Buyers can get good deals, no question about it. But how do you get... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/eight-steps-to-powerful-negotiating-in-a-buyers-real-estate-market.jpg http://factoidz.com/how-your-family-pet-can-hurt-your-homes-value/ http://factoidz.com/how-your-family-pet-can-hurt-your-homes-value/ How much is that puppy in the window worth? Having a dog or cat as a member or your family is one of life’s joys. It can also very costly. Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-your-family-pet-can-hurt-your-homes-value.jpg http://factoidz.com/safe-investments-understanding-cds-treasuries-money-markets-and-tips/ http://factoidz.com/safe-investments-understanding-cds-treasuries-money-markets-and-tips/ Now in January 2009, it is hard to find a safe place to invest and get any kind of return. A year ago I might have thought blue chip companies with good and safe dividends was the place, but in the past year that hasn’t been ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/safe-investments-understanding-cds-treasuries-money-markets-and-tips.jpg http://factoidz.com/four-stages-of-the-housing-market/ http://factoidz.com/four-stages-of-the-housing-market/ The Honolulu Board of Realtors has data monitoring the market of single family homes, SFH and condos. From the trends it appears the housing market has gone through distinct cycles. By cycle it is meant the market has experienced a low and a high for a given period. The data also indicates that some... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/four-stages-of-the-housing-market.jpg http://factoidz.com/how-to-survive-lean-times-business-lessons-from-the-delage-motorcar/ http://factoidz.com/how-to-survive-lean-times-business-lessons-from-the-delage-motorcar/ I am not a car person. In fact, at this very moment, I don't own a car (I share). But the moment I saw a photo of the glorious 1930s Delage Cabriolet, I fell in love. The design was so exquisite, I had to know more, so I began to research. What I found led me to conclude the sparkli... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-survive-lean-times-business-lessons-from-the-delage-motorcar.jpg http://factoidz.com/facing-home-foreclosure-first-dont-panic/ http://factoidz.com/facing-home-foreclosure-first-dont-panic/ Faced with the possibility of losing your home, panic is an understandable -- and common -- reaction. Denial is another. Unfortunately, neither of those reactions will save your home nor will they mitig... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/facing-home-foreclosure-first-dont-panic.jpg http://factoidz.com/what-is-a-short-sale-and-is-it-right-for-me/ http://factoidz.com/what-is-a-short-sale-and-is-it-right-for-me/ This is a "short sale:"  The net proceeds of the sale fall short of the mortgage balance but the lender is willing to accept those net proceeds as full payment of the loan. Under certain conditions, usually hardsh... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-a-short-sale-and-is-it-right-for-me.jpg http://factoidz.com/foreclosure-rescue-schemes-what-they-are-and-how-to-avoid-them/ http://factoidz.com/foreclosure-rescue-schemes-what-they-are-and-how-to-avoid-them/ Rescue schemes take various shapes but one of the most common is this: An investor offers to help you "save your home" by purchasing it on a land contract and leasing it back to you until you can re-... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/foreclosure-rescue-schemes-what-they-are-and-how-to-avoid-them.jpg http://factoidz.com/myths-vs-facts-about-selling-your-home-in-a-buyers-market-part-ii/ http://factoidz.com/myths-vs-facts-about-selling-your-home-in-a-buyers-market-part-ii/ Yesterday, I debunked 5 myths about selling your home in a buyer's market.  Here are a few more: Myth 6:  "We can always come down but we can't go up in price." Fact:    You can do anything you want - down, up, s... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/myths-vs-facts-about-selling-your-home-in-a-buyers-market-part-ii.jpg http://factoidz.com/myths-vs-facts-about-selling-your-home-in-a-buyers-market/ http://factoidz.com/myths-vs-facts-about-selling-your-home-in-a-buyers-market/ After 20 years of selling real estate, I have a considerable collection of "Myths vs. Facts."  In today's “buyer’s market,” it is essential to separate fact from fiction Myth #1:  "Houses just aren´t selling." Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/myths-vs-facts-about-selling-your-home-in-a-buyers-market.jpg http://factoidz.com/how-to-get-your-free-credit-report-and-fix-it/ http://factoidz.com/how-to-get-your-free-credit-report-and-fix-it/   As of 2003 thanks to the Fair and Accurate Credit Transaction Act (the FACT act), every American is now entitled to their credit report free once a year from the three major credit-reporting agencies. They are Experian, TransUnion and Equifax. Just make ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-get-your-free-credit-report-and-fix-it.jpg http://factoidz.com/when-will-be-the-right-time-to-sell-my-home/ http://factoidz.com/when-will-be-the-right-time-to-sell-my-home/ There are three general areas that can determine when will be the right time to sell a home. However, personal specifics are, key to making an informed decision. The situation and criteria for buying and/or selling ... Wed, 31 Dec 1969 18:33:29 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/when-will-be-the-right-time-to-sell-my-home.jpg http://factoidz.com/how-to-spend-your-stimulus-package/ http://factoidz.com/how-to-spend-your-stimulus-package/ Everyone was excited about receiving a stimulus package last year and it will most likely be no different this upcoming year. You are free to spend your stimulus check however you wish. However, you could spend it several different way... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-spend-your-stimulus-package.jpg http://factoidz.com/what-collection-agencies-can-and-cannot-do/ http://factoidz.com/what-collection-agencies-can-and-cannot-do/ Debt collectors, collection agencies and bill collectors are all the same. With the current recession and job losses going on, the complaints against collection agencies have increased dramatically. For some reason, either due ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-collection-agencies-can-and-cannot-do.jpg http://factoidz.com/economic-uncertainty-creates-less-spending/ http://factoidz.com/economic-uncertainty-creates-less-spending/ For many people, this holiday season was one in which people cut back on the amount of gifts they purchased or the types of gifts they purchased for others. Some people even cut out gift giving all together. As for me, I set a budget a... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/economic-uncertainty-creates-less-spending.jpg http://factoidz.com/investing-in-renewable-energy-companies/ http://factoidz.com/investing-in-renewable-energy-companies/ Renewable energy, clean energy and alternative energy many times mean the same things, but not always. The term clean energy refers to cleaner alternatives to oil, (though the manufacturing of photovoltaic cells create... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/investing-in-renewable-energy-companies.jpg http://factoidz.com/basics-of-sector-investing/ http://factoidz.com/basics-of-sector-investing/ There are many different sectors to look at when investing and building a portfolio, all you have to do is look around your own house. Right away you will see the different sectors. Take the consumer discretionary and the consu... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/basics-of-sector-investing.jpg http://factoidz.com/how-to-invest-in-rising-oil-prices/ http://factoidz.com/how-to-invest-in-rising-oil-prices/ Oil prices have come down a great deal since the summer of 2008 as have all commodity stocks. In December 2008, OPEC just announced that they were going to cut oil production by 2 million bpd (barrels per day). That news from O... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-invest-in-rising-oil-prices.jpg http://factoidz.com/the-phantom-the-stripper-and-the-flip-how-to-identify-forclosure-scams/ http://factoidz.com/the-phantom-the-stripper-and-the-flip-how-to-identify-forclosure-scams/ Now seems the prime-time to invest in a foreclosure sale, and these may be good investments. Regar... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/the-phantom-the-stripper-and-the-flip-how-to-identify-forclosure-scams.jpg http://factoidz.com/investing-101-how-to-invest-in-a-bear-market/ http://factoidz.com/investing-101-how-to-invest-in-a-bear-market/ There is no magic bullet that I know of. You can wait it out and continue to hold your positions, or take risks and buy put options or go short in the falling market, if it falls more. Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/investing-101-how-to-invest-in-a-bear-market.jpg http://factoidz.com/how-to-make-money-in-a-falling-stock-market/ http://factoidz.com/how-to-make-money-in-a-falling-stock-market/ You don’t have to lose money in a down stock market and there are ways to make money. But it is riskier then the buy and hold method of investing. This wouldn’t be called investing it is trading. You can’t just buy these ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-make-money-in-a-falling-stock-market.jpg http://factoidz.com/why-having-a-good-realtor-is-important/ http://factoidz.com/why-having-a-good-realtor-is-important/ Why is having a realtor important? If you were asked the same question, why is having a good doctor or a good dentist or a good lawyer important? Perhaps you w... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/why-having-a-good-realtor-is-important.jpg http://factoidz.com/schrodingers-cat-versus-the-price-of-gm-stock/ http://factoidz.com/schrodingers-cat-versus-the-price-of-gm-stock/ I was recently approached by a friend and asked my opinion on an investment strategy. Guess she thought I was an expert based on my past experience and how much money I have lost in the market. Perhaps her approach to my advice was to take whatever I said and do the opposite. Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/schrodingers-cat-versus-the-price-of-gm-stock.jpg http://factoidz.com/etfs-exchange-traded-funds-vs-mutual-funds-pros-and-cons/ http://factoidz.com/etfs-exchange-traded-funds-vs-mutual-funds-pros-and-cons/ Exchange Traded Funds are an interesting way to invest in the stock market.  They have become much more popular lately, and having only been around for the past 15 years, they are still riding the waves of regulatory adjustment.  They are similar to mutual funds in that they repre... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/etfs-exchange-traded-funds-vs-mutual-funds-pros-and-cons.jpg http://factoidz.com/mutual-fund-basics/ http://factoidz.com/mutual-fund-basics/ Mutual funds are the main investments of a person’s 401k and possibly IRA accounts. Yet many people ignore what they have in their 401k, just pick this and that fund and then forget and hope they do well without really unders... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/mutual-fund-basics.jpg http://factoidz.com/fico-must-go/ http://factoidz.com/fico-must-go/ Interest rates are at an all time low. The Federal government has made the largest cash infusion into Financial Institutions in History for the purpose of freeing up money for lending. The housing market, the auto industry, the retail industry and consu... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/fico-must-go.jpg http://factoidz.com/i-need-a-payday-loan-immediately/ http://factoidz.com/i-need-a-payday-loan-immediately/ Payday loans, same day loans, no hassle online payday loans-it all adds up to one thing. You need cash and you need it now. But where to go and get the extra cash you need safely? If you're getting your payday loan online, which is the fastest way, make sure the site you use has ample security meas... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/i-need-a-payday-loan-immediately.jpg http://factoidz.com/say-no-to-payday-loans-and-tax-refund-loans/ http://factoidz.com/say-no-to-payday-loans-and-tax-refund-loans/ Payday loans and tax refund loans are some of the worst legal scams currently available to everyday consumers.  Loan sharks give better terms than these guys.  In many cases the interest rates they charge start at over 300% annually.  Compare that to high-end credit card rates w... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/say-no-to-payday-loans-and-tax-refund-loans.jpg http://factoidz.com/personal-checking-account-options/ http://factoidz.com/personal-checking-account-options/ It is an unfortunate truth that I have seen many people lose money to their bank every year, by setting up dangerous account options.  Sometimes its just a matter of picking the wrong bank.  Here are some things to consider when choosing a bank and setting up your checking account. Mini... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/personal-checking-account-options.jpg http://factoidz.com/finding-a-safe-investment/ http://factoidz.com/finding-a-safe-investment/ Safe investment...it's definitely an oxymoron, and yet we can't be blamed for trying to put our money in the safest place possible, while still trying to make it grow.  With financial markets in upheaval these days, it's hard to tell where your money will be safe.  That being said, there are sever... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/finding-a-safe-investment.jpg http://factoidz.com/what-us-cities-are-the-best-to-buy-real-estate-in/ http://factoidz.com/what-us-cities-are-the-best-to-buy-real-estate-in/ Where to buy real estate?  This is a question that many people entering as new investors (or even seasoned ones) ask.  There is no simple answer, but I will provide some ideas on how to choose an area to purchase your first or 50th property in. First, determine what you're looking for from your... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-us-cities-are-the-best-to-buy-real-estate-in.jpg http://factoidz.com/choosing-the-right-mutual-funds/ http://factoidz.com/choosing-the-right-mutual-funds/ Most people with a 401k have a group of mutual funds which to choose from, for your own account than you have thousands to choose from. Risk tolerance Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/choosing-the-right-mutual-funds.jpg http://factoidz.com/how-to-get-out-of-credit-card-debt/ http://factoidz.com/how-to-get-out-of-credit-card-debt/ I think a person would be lying if he said he had never experienced credit card debt.  It seems like we are all susceptible to it.  Whether you racked up a card or two by simply purchasing big ticket items or by just frivolously spending, you are not alone.  There can be a light at the end of the... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-get-out-of-credit-card-debt.jpg http://factoidz.com/getting-out-of-credit-card-debt/ http://factoidz.com/getting-out-of-credit-card-debt/ You've signed up for credit cards, spent the money and then the bills started coming in. Maybe you lost your job, got a divorce, or simply overspent your ability to pay. Now what? Credit card debt is a debilitating issue that affects over 60% of America, mostly in middle and low income families of a... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/getting-out-of-credit-card-debt.jpg http://factoidz.com/do-you-have-a-living-will/ http://factoidz.com/do-you-have-a-living-will/ A Living Will, also known as an Advanced Health Care Directive, allows an individual to specify directives as to the course of treatment to be carried out by caregivers should the individual become unable to give informed consent... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/do-you-have-a-living-will.jpg http://factoidz.com/8-essential-tips-on-purchasing-a-home-in-todays-real-estate-market/ http://factoidz.com/8-essential-tips-on-purchasing-a-home-in-todays-real-estate-market/ The key to this process is the relationship the buyer forms with the seller. First, search for a prop... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/8-essential-tips-on-purchasing-a-home-in-todays-real-estate-market.jpg http://factoidz.com/charting-your-way-to-wealth-in-stocks/ http://factoidz.com/charting-your-way-to-wealth-in-stocks/ Assuming you read my last article entitled "How to get started investing in the stock market", I will also assume that you took my advice and have opened an account with TDAmeritrade or one of the other online brokerage firms. Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/charting-your-way-to-wealth-in-stocks.jpg http://factoidz.com/how-to-get-started-investing-in-the-stock-market/ http://factoidz.com/how-to-get-started-investing-in-the-stock-market/ Like bargains? Did you get up at 5 AM on Black Friday because you intended to buy a specific item well below its normal price? Do you recognize an abnormally low price on an item you want - and the b... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-get-started-investing-in-the-stock-market.jpg http://factoidz.com/how-to-get-your-security-deposit-back/ http://factoidz.com/how-to-get-your-security-deposit-back/ How to get your security deposit back. Getting your security deposit back isn’t as easy as it ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-get-your-security-deposit-back.jpg http://factoidz.com/free-websites-to-help-you-make-money/ http://factoidz.com/free-websites-to-help-you-make-money/ There are many no cost things that can be done with a computer and internet connection to generate money and grow into a business. What is true for life is also true on the web. You get what you give. There is no one, sure fire way to generate income by doing nothing but sign up for a website. There... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/free-websites-to-help-you-make-money.jpg http://factoidz.com/how-to-stay-in-the-black-and-out-of-debt-this-holiday-season/ http://factoidz.com/how-to-stay-in-the-black-and-out-of-debt-this-holiday-season/ If you are not interested in seeing your credit card balances grow or the stack of bills get any larger follow these tips this holiday season. 1. Make a list! Write a list of those people in your life special enough to warrant a gift from you. Next to each person write what you are willing to spe... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-stay-in-the-black-and-out-of-debt-this-holiday-season.jpg http://factoidz.com/how-to-profit-from-investing-with-raw-land-with-owner-financing/ http://factoidz.com/how-to-profit-from-investing-with-raw-land-with-owner-financing/ Think you're ready to begin investing in raw land? Here's a tip that can increase your profit fivefold. It's called leverage, and in the case of owner financing, I call it "soft" leverage. Leverag... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-profit-from-investing-with-raw-land-with-owner-financing.jpg http://factoidz.com/how-to-exponentially-grow-your-nest-egg/ http://factoidz.com/how-to-exponentially-grow-your-nest-egg/ To grow any "nest egg" you must begin at the beginning - with both an egg and a nest in which it resides. The egg will be your initial investment of some dollar amount that you are willing to set asi... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-exponentially-grow-your-nest-egg.jpg http://factoidz.com/the-secret-to-wealth-is-to-spend-less-than-you-earn/ http://factoidz.com/the-secret-to-wealth-is-to-spend-less-than-you-earn/ Maybe your parents told you. Maybe you read it somewhere. Regardless, old Ben Franklin disclosed the secret over 200 years ago when he said quite simply "Spend less than you earn." "Oh" you groan, "that's easy for you to say! How could I possibly do that on my income?" Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/the-secret-to-wealth-is-to-spend-less-than-you-earn.jpg http://factoidz.com/how-to-minimize-risk-when-investing-in-raw-undeveloped-land/ http://factoidz.com/how-to-minimize-risk-when-investing-in-raw-undeveloped-land/ Are you risk averse? Tired of the risk in stocks being greater than the rewards? Most risks can be eliminated when you invest in raw land. Here are five risks that can be easily managed or eliminated: 1. Risk of loss due to overpricing 2. Risk of boundary line disputes 3. Risk of poor access 4... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-minimize-risk-when-investing-in-raw-undeveloped-land.jpg http://factoidz.com/how-to-finance-raw-undeveloped-land/ http://factoidz.com/how-to-finance-raw-undeveloped-land/ Invest in raw undeveloped land and the rewards can far surpass your best stock picks. Several factors contribute to amazing returns with much lower risk than any other investment. Consider how the fo... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-finance-raw-undeveloped-land.jpg http://factoidz.com/how-to-invest-in-raw-undeveloped-land/ http://factoidz.com/how-to-invest-in-raw-undeveloped-land/ Tired of seeing your stock market investments deteriorate before your eyes? Wish you could earn more than 2-3% on your CD's?  You've heard for years that real estate makes the best investment, but what type of real estate provides the greatest returns?  As Mark Twain suggested: �... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-invest-in-raw-undeveloped-land.jpg http://factoidz.com/illegal-real-estate-flipping-schemes/ http://factoidz.com/illegal-real-estate-flipping-schemes/ The FLIP SCAM is one form of Foreclosure Scam. Ordinarily, a ‘flipper’ purchases a house legitimately. With necessary aid of an officiating house appraiser in on the plan, the flipper will then have the house appraised at a price ridiculously higher than the pur... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/illegal-real-estate-flipping-schemes.jpg http://factoidz.com/fast-and-legal-ways-of-making-some-extra-cash/ http://factoidz.com/fast-and-legal-ways-of-making-some-extra-cash/ Anyone who's everyone could always use a little extra cash.  It's becoming increasingly more difficult to find REAL ways to do this without taking up too much time.  I'd be lying to you if I said there were ways to make easy, quick cash without any effort.  Most quick cash ideas usually turn out ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/fast-and-legal-ways-of-making-some-extra-cash.jpg http://factoidz.com/how-to-get-rich-the-magic-that-will-take-you-there/ http://factoidz.com/how-to-get-rich-the-magic-that-will-take-you-there/ Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-get-rich-the-magic-that-will-take-you-there.jpg http://factoidz.com/rules-to-consider-when-withdrawing-early-from-your-401k/ http://factoidz.com/rules-to-consider-when-withdrawing-early-from-your-401k/ When withdrawing from your 401k account early, meaning before you are 59.5 years of age, you must consider a couple of penalties.  One is a 10% penalty which can only be waived if you are permanently disabled, you have a qualified retirement plan that will be deducting funds from the 401k, the hold... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/rules-to-consider-when-withdrawing-early-from-your-401k.jpg http://factoidz.com/how-to-draw-up-your-own-diy-will/ http://factoidz.com/how-to-draw-up-your-own-diy-will/ What should happen to your belongings in the event of your death? Have you stopped to think about the answer to this question? How do you want your wealth be distributed? Is it important to you that certain people are provided ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-draw-up-your-own-diy-will.jpg http://factoidz.com/foreclosure-crisis-when-is-the-right-time-to-buy-or-sell-a-home/ http://factoidz.com/foreclosure-crisis-when-is-the-right-time-to-buy-or-sell-a-home/ We have all watched the changes in the real estate market with interest and concern: but what does it mean to buyers? Is it a good time to buy your dream home, because prices are decreasing in almost every residential area? Some buyers are ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/foreclosure-crisis-when-is-the-right-time-to-buy-or-sell-a-home.jpg http://factoidz.com/can-you-profit-from-foreclosures-how-flipping-homes-works/ http://factoidz.com/can-you-profit-from-foreclosures-how-flipping-homes-works/ We’ve all turned on the TV and watched programs about flipping houses for fun and profit: but is this a realistic goal for real estate investors who are new to the game? If you are curious about flipping houses and maximizi... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/can-you-profit-from-foreclosures-how-flipping-homes-works.jpg http://factoidz.com/beware-of-leaseback-loans/ http://factoidz.com/beware-of-leaseback-loans/ Especially during the times of an economic crisis, many of these real estate lenders become vultures. They generously offer what they will recognize then offer as "Rescue Loans" -- though the home-ow... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/beware-of-leaseback-loans.jpg http://factoidz.com/what-is-a-flip-foreclosure-scam/ http://factoidz.com/what-is-a-flip-foreclosure-scam/ The FLIP SCAM is one form of Foreclosure Scam. Ordinarily, a ‘flipper’ purchases a house legitimately. Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-a-flip-foreclosure-scam.jpg http://factoidz.com/renegotiating-your-mortgage-terms/ http://factoidz.com/renegotiating-your-mortgage-terms/ In the midst of the economic meltdown, many homeowners are finding themselves in mortgage mayhem as adjustable rate mortgages start to adjust and payments dramatically increase. If you find yourself worrying about how you are going to make your next mortgage payment while keeping the lights on, you ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/renegotiating-your-mortgage-terms.jpg http://factoidz.com/six-essential-tips-to-avoid-going-into-foreclosure-3/ http://factoidz.com/six-essential-tips-to-avoid-going-into-foreclosure-3/ Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/six-essential-tips-to-avoid-going-into-foreclosure-3.jpg http://factoidz.com/websites-for-finding-foreclosure-listings-in-your-area/ http://factoidz.com/websites-for-finding-foreclosure-listings-in-your-area/ How to find real estate auctions in your area It's easy with our useful internet searches. I found some valuable sites. You have to be willing to spend preliminary time. In searching for the areas of interest, then inspecting the property. Make sure to ask about any encumbrances on title o... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/websites-for-finding-foreclosure-listings-in-your-area.jpg http://factoidz.com/tips-to-avoid-going-into-foreclosure-2/ http://factoidz.com/tips-to-avoid-going-into-foreclosure-2/ The American housing market has become a dangerous place, with dropping property values and high interest rates combining to produce a crash t... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/tips-to-avoid-going-into-foreclosure-2.jpg http://factoidz.com/what-is-chapter-13-bankruptcy-can-i-use-it-to-avoid-foreclosure/ http://factoidz.com/what-is-chapter-13-bankruptcy-can-i-use-it-to-avoid-foreclosure/ Chapter 13 bankruptcy is for employed people who need to claim bankruptcy: it allows them to set up a schedule of payments in order to repay their de... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-chapter-13-bankruptcy-can-i-use-it-to-avoid-foreclosure.jpg http://factoidz.com/how-to-buy-a-hud-property/ http://factoidz.com/how-to-buy-a-hud-property/ Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-buy-a-hud-property.jpg http://factoidz.com/chapter-7-bankruptcy-what-is-it-and-how-to-cope/ http://factoidz.com/chapter-7-bankruptcy-what-is-it-and-how-to-cope/ Chapter 7 bankruptcy can be confusing and stressful to say the least, but in our current economic climate, many are forced to look at bankruptcy as a way out of insurmountable debt. Chapter 7 bankrup... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/chapter-7-bankruptcy-what-is-it-and-how-to-cope.jpg http://factoidz.com/what-is-a-short-sale-and-can-it-prevent-foreclosure/ http://factoidz.com/what-is-a-short-sale-and-can-it-prevent-foreclosure/ Most homeowners facing foreclosure usually try to sell their home. The depressed housing market makes it almost impossible to sell their home at market value. Many homeowners ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-a-short-sale-and-can-it-prevent-foreclosure.jpg http://factoidz.com/how-to-avoid-identity-theft-while-traveling-a-quick-guide-to-staying-safe/ http://factoidz.com/how-to-avoid-identity-theft-while-traveling-a-quick-guide-to-staying-safe/ Identity theft is a modern problem that requires modern solutions: when you are traveling, you need to take special care to ensure you remain safe. If you follow certain guidelines, which we’ve outlined here, you can feel more... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-avoid-identity-theft-while-traveling-a-quick-guide-to-staying-safe.jpg http://factoidz.com/what-is-private-mortgage-insurance-pmi/ http://factoidz.com/what-is-private-mortgage-insurance-pmi/ Private Mortgage Insurance is insurance you are required to pay if you have less than 20% down to buy a home. When you purchase a home with either no down payment, or a smaller amount such as 5% ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-private-mortgage-insurance-pmi.jpg http://factoidz.com/new-homebuyer-tips-pre-payment-discounts-and-private-mortgage-insurance/ http://factoidz.com/new-homebuyer-tips-pre-payment-discounts-and-private-mortgage-insurance/ So you just bought a new home or you would like to, but you’re worried about managing your mortgage payments? If this is the case you might be wondering which direction would be best for your situation. How do mortgages work? Before beginning, a little background might be ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/new-homebuyer-tips-pre-payment-discounts-and-private-mortgage-insurance.jpg http://factoidz.com/how-to-send-your-kid-to-college-without-going-broke/ http://factoidz.com/how-to-send-your-kid-to-college-without-going-broke/ Nowadays going to college is important for any young man or women, but the price for an education is still a huge project. If you are concerned about making the payments to send your child to college take a look at some of the options for saving on college expenses. Are student loans a good ide... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-send-your-kid-to-college-without-going-broke.jpg http://factoidz.com/how-to-buy-a-pre-foreclosure/ http://factoidz.com/how-to-buy-a-pre-foreclosure/ Let’s face it, the real estate market is in shambles and many homes are getting sold through foreclosure because people are unable to pay their mortgage on time. Before letting you know about buying a pre-foreclosure home, let me explain what pre-foreclosure really is. When a person gets behind... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/images/p/default-3.jpg http://factoidz.com/pros-and-cons-of-tapping-into-your-401k-to-avoid-foreclosure/ http://factoidz.com/pros-and-cons-of-tapping-into-your-401k-to-avoid-foreclosure/ Foreclosure has become a crisis in America and many homeowners are desperately trying to find solutions to prevent foreclosure. More and more of them, if they haven’t already, are thinking about tap... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/pros-and-cons-of-tapping-into-your-401k-to-avoid-foreclosure.jpg http://factoidz.com/8-strategies-for-keeping-your-personal-information-safe-from-identity-theft/ http://factoidz.com/8-strategies-for-keeping-your-personal-information-safe-from-identity-theft/ In today's world identity theft is on the rise, and identity fraud can happen to anyone. We all need to learn to protect ourselves, your social security number is not the only key to your identity.  Any personal informatio... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/8-strategies-for-keeping-your-personal-information-safe-from-identity-theft.jpg http://factoidz.com/which-cars-have-the-lowest-insurance-premiums/ http://factoidz.com/which-cars-have-the-lowest-insurance-premiums/ With gas prices sky rocketing it's always good to save a little money somewhere.  Here's some tips on cutting insurance costs. Russ Rader, spokesman for the Insurance Institute for Highway Safety says that small fast cars carry higher insurance premiums so the number on tip is to stay away from ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/which-cars-have-the-lowest-insurance-premiums.jpg http://factoidz.com/why-getting-a-second-mortgage-is-a-bad-idea/ http://factoidz.com/why-getting-a-second-mortgage-is-a-bad-idea/ What's a second mortgage? Assuming you have equity in your property, many companies will give you a second mortgage, usually up to 60-70% of your equity. Interest rates vary, but could be as high as 18%. What's worst is the fees they charge, they are exorbitant. Be sure to read the fine pr... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/why-getting-a-second-mortgage-is-a-bad-idea.jpg http://factoidz.com/how-many-days-do-i-have-before-my-home-goes-into-foreclosure/ http://factoidz.com/how-many-days-do-i-have-before-my-home-goes-into-foreclosure/ It's a scary feeling to miss payments on your mortgage. It's even scarier to think about the prospect of foreclosure and the bank repossessing your home. The first step is to get educated about the process, and know how much time you have before different steps in the process kick in. Here's a gener... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-many-days-do-i-have-before-my-home-goes-into-foreclosure.jpg http://factoidz.com/12-steps-you-need-to-take-if-youve-been-a-victim-of-identity-fraud/ http://factoidz.com/12-steps-you-need-to-take-if-youve-been-a-victim-of-identity-fraud/ If you've just experienced the terrible feeling of having your identity stolen - there are millions of others who know how you feel. ID theft is one of the most common financial crimes and is on the rise. Here are the essential steps you need to take to react to an ID fraud: Notify affec... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/12-steps-you-need-to-take-if-youve-been-a-victim-of-identity-fraud.jpg http://factoidz.com/case-study-an-average-identity-theft-victim/ http://factoidz.com/case-study-an-average-identity-theft-victim/ Jasper, 46, worked as a clerk in legal agency. After number of years with the agency, Jasper got a letter from that agency alerting him to the loss of an external computer hard drive. The pivotal factor here is that although Jasper was no longer part of the government agency when he got the letter, ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/case-study-an-average-identity-theft-victim.jpg http://factoidz.com/understanding-the-new-federal-red-flag-rules-and-how-they-can-help-you-avoid-id-fraud/ http://factoidz.com/understanding-the-new-federal-red-flag-rules-and-how-they-can-help-you-avoid-id-fraud/ Identity thieves are in for hard grind this year as regulators are working overtime to make sure that your personal details cannot be stolen. Thanks to new "red flag rules," whose main objective is to impede identity thieves, fraud cases are going to reduce. Consumers are not really aware of the ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/understanding-the-new-federal-red-flag-rules-and-how-they-can-help-you-avoid-id-fraud.jpg http://factoidz.com/what-is-criminal-identity-theft/ http://factoidz.com/what-is-criminal-identity-theft/ Criminal ID theft occurs when any individual falsely claims to be another person at the time of arrest, penalty or breaking law. With as little details as the name of the victim and date of birth, perpetrators can get release from the jail and ruin a life of an innocent person. There is a variati... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-criminal-identity-theft.jpg http://factoidz.com/how-to-keep-your-public-records-safe-and-out-of-the-reach-of-identity-criminals/ http://factoidz.com/how-to-keep-your-public-records-safe-and-out-of-the-reach-of-identity-criminals/ It has become alarmingly easy for anyone to lookup personal information about you through your public records available online. More government agencies are providing access to their databases online, so that consumers no longer need to go to a city courthouse to look this information up. There's a ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-keep-your-public-records-safe-and-out-of-the-reach-of-identity-criminals.jpg http://factoidz.com/how-to-avoid-being-a-victim-of-atm-fraud/ http://factoidz.com/how-to-avoid-being-a-victim-of-atm-fraud/ A "skimmer" is an instrument that has ability to reads and records all the account details that are stored electronically on the magnetic stripe of an ATM card. There is a wrong notion among few people that identical, ubiquitous automated teller machines do not attract high-tech cyber-thieves. Accor... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/how-to-avoid-being-a-victim-of-atm-fraud.jpg http://factoidz.com/what-is-synthetic-identity-theft/ http://factoidz.com/what-is-synthetic-identity-theft/ Synthetic ID theft is fraud which is perpetrated using a completely fabricated identity (as opposed to a stolen one). Synthetic ID theft is widely been regarded as one of the most prevalent forms of identity theft. Business firms face lots of problem in detecting synthetic ID theft. Synthetic ID the... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/what-is-synthetic-identity-theft.jpg http://factoidz.com/keeping-your-computer-safe-from-hackers-and-identity-thieves/ http://factoidz.com/keeping-your-computer-safe-from-hackers-and-identity-thieves/ You may not realize it but your computer is a highly vulnerable area of attack for hacker and ID fraudsters looking to steal your information. We use computers for everything from paying our bills online to purchasing goods and services, and a lot of our private information is stored on there, makin... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/keeping-your-computer-safe-from-hackers-and-identity-thieves.jpg http://factoidz.com/5-steps-to-raise-your-credit-score/ http://factoidz.com/5-steps-to-raise-your-credit-score/ Frustrated with your credit rating?  Here's a 5 step plan you can start right now to raise your scores. Step 1 - Obtain your credit reports from the following agencies, Equifax, Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/5-steps-to-raise-your-credit-score.jpg http://factoidz.com/when-is-it-ok-to-give-out-your-social-security-number/ http://factoidz.com/when-is-it-ok-to-give-out-your-social-security-number/ How many times have you walked into a store or signed up for a service over the phone, only to have the representative ask you for your Social Security number in order to complete the application or process? You should be very careful about giving out your SSN. Your nine-digit Social Security num... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/wp-content/themes/gabtheme/images/when-is-it-ok-to-give-out-your-social-security-number.jpg http://factoidz.com/7-commandments-for-preventing-id-fraud/ http://factoidz.com/7-commandments-for-preventing-id-fraud/ Identify theft is a growing problem in the US. According to the Federal Trade Commission, the following stats are surprising: 10 million Americans — 4.6% of the adult population — became victims of identity theft in the past year alone. 27 million Americans have been victi... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/images/p/default-7.jpg http://factoidz.com/immediate-steps-to-take-if-youve-been-a-victim-of-identity-theft/ http://factoidz.com/immediate-steps-to-take-if-youve-been-a-victim-of-identity-theft/ If you have been the target of an identity theft crime, you must act quickly to minimize the damage which can be done to your credit score. Keep a record of everything that happens and all your communications - this can serve as evidence and legal documentation you will need. Get a copy of your... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/images/p/default-5.jpg http://factoidz.com/how-identity-theft-works/ http://factoidz.com/how-identity-theft-works/ The first step to avoiding identity theft is to understand how it works. By understanding the methods and strategies of identity thieves, you can be one step ahead in avoid becoming a victim yourself. Identity theft is a massive and growing problem for consumers in the US. There are four... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/images/p/default-11.jpg http://factoidz.com/how-to-prevent-phishing-and-other-online-identity-scams/ http://factoidz.com/how-to-prevent-phishing-and-other-online-identity-scams/ Phishing and other tactics are commons scams run by online thieves who are out to steal your identity. Here are some easy tips and ways to keep yourself safe during your online travels. Be extra careful with your accounts Since identity theft has become such a huge problem on the web, it ... Wed, 31 Dec 1969 18:33:28 CST personal-finance http://factoidz.com/images/p/default-13.jpg