My Personal Finance Blog » Pockets http://www.diasmuertos.com Personal Finance information Fri, 10 Feb 2012 16:50:59 +0000 en hourly 1 Debt Settlement Consumer Protection Act – Why Debt Settlement Is a Legitimate Option Now? http://www.diasmuertos.com/debt-settlement-consumer-protection-act-why-debt-settlement-is-a-legitimate-option-now http://www.diasmuertos.com/debt-settlement-consumer-protection-act-why-debt-settlement-is-a-legitimate-option-now#comments Sat, 21 May 2011 00:30:29 +0000 admin http://www.diasmuertos.com/debt-settlement-consumer-protection-act-why-debt-settlement-is-a-legitimate-option-now

Debt settlement consumer protection act has brought great comforts for both lenders and borrowers. If you want speedy relief in your problems of loan then you should take keen interest on debt settlement consumer protection act. In the early days, people were not aware of the option of the debt settlement program. This was all because of the presence of various fake companies in the society. Such bad companies just tried to catch the innocent people and made false promises with them to fill their own pockets. This is why most of the consumers were afraid to consult the experts of the debt settlement program. But now the fact has changed as the government of America has made modifications in the laws and after this a smile on the faces of consumers has been seen. In this article you will read that why debt settlement has become a legitimate option now?

If you are facing problems of loan then don’t worry because now it has become easier to settle unsecured loans due to the FTC’s new rules and regulations. If you succeed in getting information about the new FTC laws then you can solve your problems of loan within days. You should be careful while selecting any settlement agency. The reason is that some fake companies are also working in the society. Such fake companies cannot do anything for you and your debt elimination. You should avoid such companies if you want to get rid of the loans soon. The new laws of government have banned on asking advance fees from consumers. That’s why most of the credit card holders are turning to the debt settlement programs. After the government’s action against loans, the ratio of bankrupt people has started to go down day by day.

Thanks to the federal government and the new laws, debt relief program has become more reliable and more acceptable among the consumers. If you really want to finish your problems of liabilities in a legal way then you should consult the specialists of the debt settlement program. After concerning them, they will negotiate with your lenders to get instant discount for you. The experts of this program work under the full support of the federal government. This is why there is no possibility of fraud in this method. There is no doubt that the debt relief program has become a legitimate alternative to filing bankruptcy.

]]> http://www.diasmuertos.com/debt-settlement-consumer-protection-act-why-debt-settlement-is-a-legitimate-option-now/feed 0 Debt Settlement Consumer Protection Act – Helping Consumers Legally Settle Debt http://www.diasmuertos.com/debt-settlement-consumer-protection-act-helping-consumers-legally-settle-debt http://www.diasmuertos.com/debt-settlement-consumer-protection-act-helping-consumers-legally-settle-debt#comments Mon, 28 Mar 2011 15:20:52 +0000 admin http://www.diasmuertos.com/debt-settlement-consumer-protection-act-helping-consumers-legally-settle-debt

Federal governments have very much concerned for the financial conditions of consumers and that is why they are continuously making changes in the laws to provide relief to the consumers. This is a fact that the financial institutions and credit card companies are earning a lot of profit from consumers against different kinds of loans. In order to save credit history and to maintain credit scoring, the consumer continuously pays the loan amount for certain time period until he realizes that his pockets are empty. On the other hand, there are lots of companies working for debt relief which are not only legal but also working under the government’s observations.

The federal government can only provide protection to the consumers by making some changes in the acts so that a consumer can get easy relief from the massive debts. A Few years back, settling debts legally was impossible and most of the people were declaring themselves bankrupt. The arrival of new act of debt settlement has not only decreased the ratio of bankruptcy but has also led the consumers to live a debt free life.

Debt settlement is a legal and easy way to get rid of the massive debts in a short spam of time. This is a process of negotiation which is mostly operated by the legitimate debt relief companies and those people who are in massive debts can get out of these problems by hiring these companies. Once again the federal government is helping the consumers by changing the act of debt settlement companies. According to the new laws of debt settlement companies, a consumer is no liable to pay any upfront fees for the services of negotiation. The reason for change in the law is that many fraudulent companies were deceiving consumers by taking high charges in advance. Due to this, the consumers were losing confidence over the companies and this thing was increasing the ratio of bankruptcy. To provide instant and safe relief to consumers, the government has made this change and now confidence over the companies is increasing.

The change in acts is must in this era because the consumers’ debts are increasing day by day and people are unable to get instant relief.

]]> http://www.diasmuertos.com/debt-settlement-consumer-protection-act-helping-consumers-legally-settle-debt/feed 0 Maximizing Your Grocery Coupons Results In These Big Savings http://www.diasmuertos.com/maximizing-your-grocery-coupons-results-in-these-big-savings http://www.diasmuertos.com/maximizing-your-grocery-coupons-results-in-these-big-savings#comments Wed, 08 Dec 2010 03:59:50 +0000 admin http://www.diasmuertos.com/maximizing-your-grocery-coupons-results-in-these-big-savings

How I saved $92.89 last week. With the rising cost of gas and personal dwindling savings, I have found it even more imperative to find ways to cut cost and save. In reassessing my financial state, I noticed that one of my greatest expenses was in the area of grocery. A hundred dollars a week in groceries can easily add up to over $500 a month! Yes, this is one of those necessary expenses we have that tend to reach deep into our pockets and leave behind only a few pieces of chump change after all is said and done.

So what is the solution since everyone needs to eat and groceries need to be bought? I have found that what worked well in the past still works well today. You guessed it, GROCERY COUPONS! I used to clip coupons at one point but took a hiatus because I stopped receiving the Sunday newspaper which housed the coupons. Recently, I have started printing free coupons and clipping them again and am carefully watching my savings grow. Let me give you a concrete example of a grocery receipt that I had recently:

Total Cost $140.65

Balance $47.76

Total number is items sold = 29

VERIFIED TOTAL SAVINGS $92.89

My purchases at Ralphs Grocery store totaled $140.65. I used free printable coupons and regular coupons which saved me a total of $48. However, I ended up only paying $47.76 with a verified total savings of $92.89.

How did I do that?

I saved more than the coupon value because of double coupons. Double coupons are coupons that are scanned twice to save the customer double the amount. For example, if the grocery coupon was good for $1.00 off, you would end up saving $2.00 because of double coupons, imagine if you had printed a coupon that was $2.00 off! This is an automatic savings feature at the grocery store. But note that not all grocery stores are the same!

As of today, in my area, only Ralphs doubles all their coupons automatically. It used to be that both Ralphs and Vons doubled their coupons but Vons Grocery Store had discontinued their program. Couple the double coupon savings at Ralphs with their Ralphs Club program (a program with free membership that allows additional savings) and you can save up to triple the coupon amount.

Using this method, I ended up paying

* $1.00 for laundry detergents

* $4.50 for jumbo size Pull-up diapers

* $5.00 for jumbo size Huggies & Pamper diapers

* $1.00 for a large container of baby wipes

* $0.00 (free) for a 64 oz bottle of Juicy Juice

and so forth.

What is the work involved in clipping coupons, free printable coupons and using them to their maximum capacity?

* First, print your free printable coupons.

* Second, check the grocery advertisements that are mailed out each week. Look for items on sale and use the coupon then.

* Third, make sure you use the coupons at Ralphs Grocery Store (or any other grocery stores with double coupon offer) if they are having sales on the item in which you have the coupon. Sometimes other grocery store (which does not have the double coupon program) may have an item on sale that Ralphs does not. In this case, using the grocery coupons at the other grocery stores may end up giving you a greater savings.

Furthermore, you can save even more when you purchase your groceries with a credit card that give 5% or 6% cash back (please refer to my credit card article). If you pay $100 in groceries with a cash back credit card, you can get $5 or $6 cash back.

Since doing all these steps, I have found that my grocery costs have dropped down to a third or half of what it used to cost. I am able to save money as well as buy more quantity and higher quality foods for my family because of this and I get to try new foods that I would not otherwise buy!

For those with children on a low income budget, consider government assisted programs such as WIC. WIC stands for Women, Infants, and Children. This program helps families with children to buy the necessary foods without cost. For more information, go to the WIC Program

]]> http://www.diasmuertos.com/maximizing-your-grocery-coupons-results-in-these-big-savings/feed 0 Is it wise to opt for the maximum deductible? http://www.diasmuertos.com/is-it-wise-to-opt-for-the-maximum-deductible http://www.diasmuertos.com/is-it-wise-to-opt-for-the-maximum-deductible#comments Fri, 19 Feb 2010 14:52:09 +0000 admin http://www.diasmuertos.com/is-it-wise-to-opt-for-the-maximum-deductible Lets start off with a simple explanation of how insurance works. In the good old days before those kind men got together in the Lloyds coffee shop, people were responsible for their own losses. If the horse pulled their cart into a ditch and this broke the wheel, the owner had to put his hands into his pock’ets (which fortunately had already been invented) and pay someone to repair the wheel. But once people could share the risks, life was suddenly better. If you gather together a big enough group of cart owners, each will only have to pay a small amount into the central fund to cover the losses of the few who have accidents. Those men at Lloyds were on to a winning business formula. Moving into modern times, the idea of spreading the risk is the same and, with thousands of people in each group, the cost of loss is divided into small premiums. But, with profits under pressure, the insurance companies came up with a new variation on the old theme. Suppose they could persuade their customers to accept the risk of some of their losses. This would then become self-insurance for part of the risk. The rest would be paid by the insurance companies. So the deductible was born. You agree to pay the first portion of any loss. In the case of traffic accidents, most of the fender benders are minor and don’t cost much to repair. That means you pay for most of the repairs yourself and the insurance companies get richer. Ironically, if no-one opted for the deductible, the increase in the premium for everyone in the group would be trivial.

So let’s get to an actual example to see how it works. If you agree to accept a deductible of $1,000, you will be given a discount on the premium. Say you save 10% over the year. Now that’s a good saving if you manage to get through the year without having an accident. But suppose your luck is not good and you have an accident. The bill for repairs is $900. You put your hand in your pocket (pockets are such useful things – always seeming to have money in them) and pull out the dollars. Was your 10% saving over the year more than $900? If not, you are making a loss, not just on the insurance policy but, if you had to use your credit card, on the interest added to the $900 until it is paid off. What would happen if your run of bad luck continued and you had a second accident in the year? Do you have another $1,000 as savings or available to borrow? Perhaps we should not be so pessimistic. Worst case scenarios are always better applied to other people and never to you.

The higher the deductible you accept, the more of the risk you are accepting. Cheap car insurance is a wonderful thing to have so long as your luck holds up. But if your luck fails, the maximum deductible is going to empty that magic pocket of yours. And here’s the thing – you can be the safest driver in the world, always super careful, always following all the rules, and then you meet a dork behind the wheel of another vehicle and suddenly you’re wrapped round a tree. So look for cheap auto insurance, but always look at your cash position and ask yourself how well you would cope if the worst happened. Deductibles are good for people with a margin of financial safety.

]]> http://www.diasmuertos.com/is-it-wise-to-opt-for-the-maximum-deductible/feed 0 Divorced and Cheated Out of the Family Finances – How Smart Divorce Lawyers are Ruining Women http://www.diasmuertos.com/divorced-and-cheated-out-of-the-family-finances-how-smart-divorce-lawyers-are-ruining-women http://www.diasmuertos.com/divorced-and-cheated-out-of-the-family-finances-how-smart-divorce-lawyers-are-ruining-women#comments Wed, 25 Nov 2009 17:53:27 +0000 admin http://www.diasmuertos.com/divorced-and-cheated-out-of-the-family-finances-how-smart-divorce-lawyers-are-ruining-women Family finance

But even more interesting and instructive is where all the big divorce money for the lawyers is coming from?

Yep, you guessed right, its’ from our pockets, yours and mine. Basically any cash paid to a lawyer, even by your ex-husband depletes the family finances and assets that may have to be sold to settle legal fees. Money that should have otherwise gone to divorced women to help them rebuild their lives with some decent finances after the devastation that usually comes with divorce. Make no mistake about it; lawyers love nasty divorce settlement cases. The nastier they are, the better for them. Lawyers are usually the only true winners in any divorce action.

When they are not helping your ex-husband to hide or understate assets, they will be busy ensuring that by the time the divorce is finally settled, most of the family assets and cash will have gone to paying for their services, sometimes leaving little or nothing for you and your children to rebuild your lives with.

Yet it does not need to be like that. You definitely deserve better. Fortunately, many women are fighting back these days and with lots of success too. It is amazing how much of a difference, taking a few simple precautions can make. Generally these important steps to secure your future have to be taken long before there is any talk of a divorce. Just the way folks take out insurance for a rainy day. You’re still happy if you never need to claim on your insurance, but it helps you sleep better at night and gives you peace of mind because you know that if the rainy day, or disaster comes, you are fully prepared.

It really is a jungle out there and many women have realized that it is not a good idea to place your whole financial future in the hands of someone else other than yourself.

Read more on

http://myfreeinfo4u.com/finance/divorced_and_cheated_out_of_the_family_finances_how_smart_divorce_lawyers_are_ruining_women.html

Providing free information about several topics. Checkout my free tips on www.myfreeinfo4u.com

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]]> http://www.diasmuertos.com/divorced-and-cheated-out-of-the-family-finances-how-smart-divorce-lawyers-are-ruining-women/feed 0 Unique & Unusual Gift Ideas at Find-me-a-gift http://www.diasmuertos.com/unique-unusual-gift-ideas-at-find-me-a-gift http://www.diasmuertos.com/unique-unusual-gift-ideas-at-find-me-a-gift#comments Sun, 08 Mar 2009 06:18:17 +0000 admin http://www.diasmuertos.com/unique-unusual-gift-ideas-at-find-me-a-gift Unique and unusual gifts are the ultimate way to end uneasy shopping days!

Imagine there was a one-stop-shop where you could browse at ease and speed

24-hours a day, 7 days a week, with a fabulously constantly changing range

of stunning and specialised products – to suit all people, all palettes and

all pockets! Sounds like you’re dreaming right? Wrong! Time to wake up to

Find-Me-A-Gift.com

http://www.find-me-a-gift.co.uk/

Find-Me-A-Gift is different to your every-day online gift store – we offer a

shopping experience that other companies envy! Order online or order by

phone, order from the comfort of your very own home! With a next day

delivery option available on all items and same day dispatch for UK orders

placed by 15:30 GMT Monday – Friday, you can rest at ease that

Find-Me-A-Gift will please your delivery needs, all accompanied by a

friendly and fast cost-effective service!

At Find-Me-A-Gift, we realise that money doesn’t grow on trees (if it did,

we’d back out there raking!) and so we’re proud to state that our secure

online order forms guarantee you a safe and trustworthy transaction. We’re

no cheap-skates so we don’t stop there at saving you money! By interacting

in our customer loyalty points scheme, you can save money on all the items

you’ve been longing for without burning a hole in those precious pockets!

Speaking of saving, we regularly host a clearance sale on-site where you can

save up to a whopping 60% – we must be crazy!

Individual people deserve individual presents so here at Find-Me-A-Gift, we

separate each product into specified sections, making it child’s-play to

pick out that perfect parcel and navigate through the site with ease!

Everyone loves a unique and unusual gift and we make selecting so simple!

Choose either who you’re treating or what the occasion is and then gush over

the glorious gifts on offer! We stock Birthday Gifts, Retirement Gifts,

Graduation Gifts, Seasonal Gifts, Activity Gift Experiences and many more!

As well as famous-branded items such as The Simpsons, T.Y, Playboy and Star

Wars! Find-Me-A-Gift believes everyone deserves a pick-me-up sometimes so

why not pick up a gift for your mum, dad, brother, sister or even pet!

You’re guaranteed a quality product and a quality service – at

Find-Me-A-Gift you’re in control!

Unique and Unusual Gift Ideas are our specialty so take a break and browse

these rare and unmatched products!

Top 5 Unique Gift Ideas at Find-Me-A-Gift

http://www.find-me-a-gift.co.uk/

1. Laser Stars Projector – A cosmos constellation on your ceiling!

2. Pink Drill Kit – A pretty and personal pack which breaks the rules

on men and tools!

3. This Is Your Life Photo Album – You only live once. Capture and file

in style!

4. USB Fairy-Lights – Technology meets twinklers! You have to US-See

them to believe them!

5. Twilight Umbrella – A radical reign in shelter and style!

Top 5 Unusual Gift Ideas at Find-Me-A-Gift

1. Digital Photo Album Key Ring – A pocket size animation in

photographic innovation!

2. Personalised Champagne – The biz in customised fizz!

3. Flying Pig – Old McDonald’s Sling-Shot Farm – Nothing snort of

outrageous!

4. Panic Alarm – Code red for the cautious! Press and de-stress!

5. Remote Control Dragon-Fly – Show respect for this insect! Definitely

one you won’t want to swat!

So there you have it. A few newfangled notions on how Find-Me-A-Gift can aid

your shopping nightmares! Someone’s bound to have a birthday coming up so

why not float on over to Find-Me-A-Gift.com today and experience a

specialised swift-gift service today!

http://www.find-me-a-gift.co.uk/

For any additional information on these gorgeous Christening Gifts, please

email info@findmeagift.com or call 01926 640710

Regards

Katy Young

]]> http://www.diasmuertos.com/unique-unusual-gift-ideas-at-find-me-a-gift/feed 0 Organise Your Golf Clubs with a Ping Golf Bag http://www.diasmuertos.com/organise-your-golf-clubs-with-a-ping-golf-bag http://www.diasmuertos.com/organise-your-golf-clubs-with-a-ping-golf-bag#comments Sun, 13 Jan 2008 16:50:06 +0000 admin http://www.diasmuertos.com/organise-your-golf-clubs-with-a-ping-golf-bag Article by Torrehardy

Organize Your Golf Clubs With a Ping Golf Bag

If golf is your thing, you should look for a Ping golf bag that would make it easier for you to store your golf clubs. Since Ping has already been on the market for years, it has already become one of the top manufacturers of golfing equipment across the globe. Professional and amateur golfers trust this brand name because of the ultimate convenience and functionality it offers.

Ping has already released different kinds of carry and cart bags. Now that they have expanded their products and are offering more models of golf bags, it would be easier for you to find a bag that suits your need and preferences. Once you have found the right Ping golf bag, you could easily organize your clubs and keep them safe from all harm.

Here are some of the top-notch golf bags that carry the Ping name.

Pioneer LC bagsA Pioneer LC bag is a carry bag that provides exceptional convenience for golfers. With the stylish and sleek appearance of a Pioneer LC bag, you will become more motivated to play golf like a pro every time your colleagues challenge you to a golf match. Aside from its stylish look, it also features seven accessible pockets that can give you more storage options. Its handy divider can also make it easier for you to store all your clubs separately. It even has a remarkable 14-way divider top where you can store your eyewear and chilled beverages. Its sturdy and stable feet also allow it to stand on any kind of golf course terrain. This Ping golf bag is perfect for you if you are tired of yanking your golf bag off the pull cart every time a golf match starts.

Moonlite II bags with adjustable strapsIf your main goal is to look for a lightweight golf bag that is easy to transport, the Moonlite II carry bag should be your first choice. It weighs only two pounds, making it easy to take it with you everywhere you want to go. It also has adjustable standing straps that can make it easier for you to take your clubs out of your bag. Bending over every time you need to take something out of your bag will become a thing of the past once you purchase this ping golf bag.

Outlander golf bagsAn outlander golf bag is best for you if you want a cart bag with an innovative and remarkable design. This golf bag is also a good option if you want to have a lightweight golf bag. It weighs less than 7.5 pounds and it has five full-length club dividers that can be used for storing your golf clubs separately. It has six nylon pockets, including a cooler pocket for bottled drinks.

These are only some of the best carry and cart bags that you should consider purchasing. Once you find the perfect Ping golf bag for your use, you will feel more satisfied and pleased with how you store and organize your golf clubs.

For more free information on Ping Golf Bags visit: http://tinyurl.com/24emapt

]]> http://www.diasmuertos.com/organise-your-golf-clubs-with-a-ping-golf-bag/feed 0 Experience Utmost Satisfaction with a Ping Golf Bag http://www.diasmuertos.com/experience-utmost-satisfaction-with-a-ping-golf-bag http://www.diasmuertos.com/experience-utmost-satisfaction-with-a-ping-golf-bag#comments Wed, 09 Jan 2008 19:38:11 +0000 admin http://www.diasmuertos.com/experience-utmost-satisfaction-with-a-ping-golf-bag Article by torrehardy

Experience Utmost Satisfaction with a Ping Golf Bag

If you want to take care of your golf clubs, you should look for the perfect Ping golf bag available on the market. These golf bags possess all the latest features used for organizing golf clubs and storing them separately from each other. Since golf bags manufactured by Ping have already been on the market for years, they have continued to earn the trust of both amateur and professional golfers who are looking for an efficient way to store their golf clubs.

If you want to buy a carry or cart bag that carries the renowned Ping name, you should consider researching the different bags that they offer. Once you have found the bag that possesses all the features you are looking for, you can become a hundred and one percent satisfied with the Ping golf bag you chose to buy.

Outlander, Pioneer and Hoofer golf bags are only some of the most famous golf bags created by Ping. Here are some of the best features that these high-quality bags possess.

Hoofer golf bags – extreme functionality and styleIf your main priority is a bag that delivers amazing performance and possesses an innovative design, a Hoofer golf bag is your perfect choice. It comes with dual sliding straps that can be easily adjusted even while you are walking around. It also has an amazing five-way top and two individual golf club dividers that could make golf club removal and replacement easier for you. This Ping golf bag also contains a water bottle pouch with an innovative magnetic closure. Once you purchase a Hoofer golf bag, you can easily store everything you will need for a golf match inside its numerous compartments and pockets.

Outlander bags and their stabilizing feetAnother golf bag manufactured by Ping is the Outlander cart bag. It is considered one of the most stylish and innovative bags offered by Ping. Weighing 7.5 pounds, this bag is perfect for you if you are tired of carrying a heavy and bulky golf bag with you. It has a notable 10-way top that was designed for effective club organization and separation. You will also benefit from its amazing insulated pocket, which can keep your favourite beverages accessible to you every time you place your Outlander bag on a pushcart.

Pioneer LC bags protect your valuablesThe Pioneer LC is an amazing Ping golf bag that possesses velour-lined pockets. It also possesses seven accessible pockets and a 14-way divider top where you could keep all your golf equipment and personal belongings. Like other Ping bags, it will also provide you with the chance to conveniently organize your golf clubs.

These are only some of the most famous carry and cart bags offered by Ping. With the use of these bags, you could easily organize all your belongings and keep your favourite golf clubs safe at all times. These bags are ready to protect your golf equipment and keep them safe inside their water-resistant nylon bodies. Once you buy a Ping golf bag, you will become more satisfied with its additional storage options for keeping all your golf clubs and accessories.

Pick one up today – Check out free information: http://tinyurl.com/24emapt

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