Friday, July 30th, 2010
Even though the economy is suffering, and many of you are in debt, there is no reason that you cannot throw a really great Super Bowl Party.
Try to focus on not overdoing it. Make just one extravagant dish and play the rest off of that. A vat of chili, if properly seasoned is able to serve twelve people for twenty dollars. Chicken wings are quite cheap and easy to make. Coils of kielbasa, priced around five bucks are a cheap and delicious snack.
Because the Super Bowl is one special occasion, choose hot food. Ordering large trays of Chinese takeout are less expensive and time consuming than making your own food.
kids at Superbowl parties can often be difficult to please. Vegetables, juice, chips, and a carvel football shaped ice cream cake priced at $22.99 will keep them at bay.
Drinks? The best choice for shoppers on a budget is beer and wine. A keg will save you about 40% according to experts. The wine doesn’t have to be fancy – a five liter boxed wine will be more than acceptable. If you encounter the troublesome guest who insists on liquor, get discount vodka, a half gallon for just fourteen dollars. Its cheap, and blends with about anything. Read more...
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Saturday, April 17th, 2010
Many people are made painfully aware that they owe a debt that is being pursued by a collections agency, yet few know exactly how long creditors can go after that debt. Debt Collectors are guided by what is called the Statute of Limitations.
This means that after a certain length of time creditors can no longer collect from debtors. The length of the Statute of Limitations vary from state to state, the type of debt, if there is a signed contract or not among many other factors.
One example is the state of New Hampshire. Time alloted there to collect a debt is 3 years. If it was a domestic judgement, the Statute of Limitations is as high as 20 years; on a foreign one it is also 20 years. For goods the Statute of Limitations is four years unless there is a written and signed contract, then it is three years.
Debtors who do not believe that they owe the money, could fight the creditors claim by actually witholding information such as invoices or balances due and request proof demonstrating the validity of the debt.At this point, collection agencies should present backup documentation to support their claim. Read more...
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Monday, February 8th, 2010
With various accounts, debts, interest rates hitting you at once, your financial situation can very well seem intimidating. But if you follow this program you will find that there is an effective and safe way to manage your money.
The only thing this simple calculation needs the interest rates for each debt account. This is assuming that all debt accounts have the same tax liability, but if not, you can find your interest rate after taxes for this calculation.
Your first step is to put your debts in order; highest interest rate to lowest. You’ll most likely find credit cards at the top of this list. Retail credit cards offered by stores generally have the highest interest rates, so you might find this type of credit card on the top. Make sure that the rates did not fluctuate from the promotional rates that you originally signed up for. Card issuers can change your interest rates at any time. They are supposed to give warning, but you may not receive this warning.
Your home equity loans and your mortgage might be the next debts on the list. It’s crucial that you include every debt for which you make a monthly payment in your calculations. Student loans might be the last on the list. Read more...
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