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You’ve always thought about it.  However, for some reason or another, you’ve always simply put it to the side.  You’re scared it won’t be successful, no one supports your idea, don’t know where to start.  Well, Bankrate is just one of the companies that can show you some of the steps and put things into perspective for you.  Regardless if you have to start small and part-time, or you were Laid off and now need a Plan B, start somewhere!

 


As if your heating bill this past winter wasn’t enough, now you have the hot summer months for you and your AC to look forward to.  Most people are hurting from this economy right now.  You can’t afford any more bills let alone high ones.  Find out 19 ways to slash that utility bill so that you won’t have to worry as much when you decide to get a cold breeze and not sweat to death.

 

 

Is it 3 years, 7 years, or 10? Bad credit, how long does it really stay on your credit report ?  Is there really a time frame? Many people are taking this opportunity to clean up their credit.  However, many are finding surprises on their credit files that they thought were long gone.  What about you?

 

 


It's all love and bliss when you first start dating.  After a while though, you start mixing money and credit.  Then things start to change.  You start fighting over small things, a little splurge here, a late bill there, etc, etc.  Find out the top 4 hot spots in every relationship when it comes to relationships and money.
 
 
 

Download Central

 

Monthly Budget

 

It’s never too late to have one and they’re not that difficult to put together.  Debt is easier to manage once you have a budget in place.  Simply indicate how much money you bring in compared to how much you pay out each month.  Once you’re done, you’re left with a vital tool that can show you where you can free up extra cash or where you can put extra cash toward.

 

Business Plan

 

Start that dream with a plan and map it out.  A Business Plan is key when it comes to starting your business.  It tells lenders that you are serious and have covered all of your bases.  It shows you everything that is involved in owning a business and it tells the public that you know what you’re doing.

 

Family and Finance

 

Studies have shown that most families brake up because of money problems.   Don’t let it happen to your family.  Stop and take the time to evaluate what is more important and how your family can put things back into perspective

 
Kids and the New Payday Plan: Parents find a new way to teach kids about money.
 

 

Has Your Credit Had It’s Annual Checkup?

 

Consumers should check their credit file once every year. When’s the last time you checked yours?

 

Equifax Credit Information (800) 685-1111

 

Experian (888) 397-3742

 

TransUnion (800) 888-4213

 

Homeowners

 

Mortgage Assistance

 

There’s no need to feel hopeless anymore.  Last year at this time, no one knew what to do or what was going on.  The government didn’t even realize that we were in a Recession.  However, a plan has now been put into action (as of March 4, 2009). 

 

The new administration has a plan that will potentially help 9 million families stay in their homes.  The Making Home Affordable Plan is one that works.  Take advantage of this great opportunity now.  Don’t fall for the various scams that are out there.  Get your information straight from the source!

 

Hardship Letter

 

Regardless of who you are having your home Re-Modified with, your lender or servicer will request a Hardship Letter.  Many of you haven’t even seen one before.  Here are various samples that you can use.  These templates also can be re-written for other debts you may need assistance with: Car Loan, Credit Cards, Student Loans, etc.

 

Sample 1 (Mortgage)

 

Sample 2 (ARM Loan)

 

First-time Homebuyers

 

When you’re so caught up in the American Dream, you can sometimes make mistake that aren’t that easy to fix: Not paying attention to condo fees, not researching the neighborhood, not evaluating the cost and upkeep of your new home, etc.  Be sure to check out these 10 Mistakes That First-time Homebuyers Often Make.

 

Assitance in the DC, MD, & VA

 

DC Social Services: Need Immediate assistance financially and live in District of Columbia? Contact DC as they offer many programs from Cash Assistance to Renewable Energy Grants that most people do not know about. 

 

VA Department of Social Services: Need Immediate assistance financially and live in Virginia? Contact VA State as they offer many programs from Food Banks to Free Cell Phone service.

 

Resources for MD Families: Need Immediate assistance financially and live in Maryland? Contact MD State as they offer many programs from Child Care Assistance to Temporary Cash Assistance to Homeowner Remodeling Assistance.

 

Juice for a Healthier Lifestyle

 

The Brazilian açai berry is the crown jewel of MonaVie's premier blends.

For countless centuries, the people of the Amazon have revered this unique fruit for its health-promoting properties and prized it as a source of health and vitality. The remarkable health benefits of açai are continually being documented by modern science. And because of its unparalleled antioxidant levels and extraordinary nutrient content, açai is now widely regarded as one of the world's top superfoods.

Açai is rich in the following beneficial nutrients:

  • Antioxidants
  • Phytonutrients
  • Amino acids
  • Vitamins
  • Trace minerals

     

    Support your body's antioxidant and nutritional needs with MonaVie. Taking a Balance-Variety-Moderation approach to nutrition, this premier formula delivers powerful antioxidants and phytonutrients to help fight free radicals and maintain your body's overall health.

     

    Contact Monavie today to start on a healthier road of life!

     

    Miranda Moore (Independent Distributor)

     

 

 Broke and Unemployed

 

With unemployment escalading, more and more people are becoming worried as to whether or not they will wake up with a job in the morning.  Stay focused.  There are various avenues that you can go through to look for income.

 

www.CraigsList.com                 www.RHF.com

 

www.CareerBuilder.com

 

www.Monster.com                www.USAJobs.gov

 

First Time Homebuyer Assistance

 

Federal Assistance

 

Operation Hope: With an array of programs and benefits to choose from, they can help you from finding the right Realtor, Getting the right loan, to getting Down Payment Assistance.

 

FHA Loan Programs: Great for those with credit that is not the best or families with Low to Moderate Incomes

 

DC/MD/VA Programs: Washington Post put together various links of programs around the DC Metro Area.

 

Maryland State

 

Maryland Hombuyers: Provides steps for home ownership along with avenues for buying assistance.

 

Q&A For First-Time Homebuyers: Common questions that potential homeowners have.

 

Virginia State

 

ADU Program: Fairfax County's Homebuyer program that provides homes at a low cost to buyers.  Program also provides homebuying assistance.

 

Vouchers: VA Provides vouchers to assist those who are interest in buying a home.

 

Renters Have Rights Too!

 

Apartment Search

 

Your most expensive monthly bill shouldn’t leave you high and dry after your paycheck.  HUD can provide you with Low Rental Units all over the nation.

 

Rental Rights

 

Just because you don’t own the home doesn’t mean that you don’t have rights as a renter.  Many landlords are able to get over on their tenants because the tenants fail to know their rights.

 

A Home for the Homeless

 

You may have lost your home but there’s another one available to you.  Search HUD’s database to find housing assistance in your local area.

 

 

 

SymbolPriceChange% Chg
GE18.96-0.06-0.31%
CVX104.71-0.79-0.75%
C33.19-0.35-1.04%
NG9.00-0.15-1.64%
NEM60.41-0.60-0.98%
STP3.43-0.01-0.29%
CZZ13.62-0.09-0.66%
COG32.11-0.34-1.05%
Quotes are by IDC Comstock and are delayed 20 minutes.
Fund prices are from Morningstar.

 

Stock Symbols

 

FNM: Fannie Mae

GE: General Electric

CVX: Chevron Corporation

FRE: Freddie Mac

C: Citigroup

NG: NovaGold Resources Inc

NEM: Newmont Mining Corporation

STP: Suntech Power Hldgs. Co., Ltd

CZZ: Cosan Limited

COG: Cabot Oil