Bad Debt Collectors and What You Can Do About Them

bad debt collectors collections

Dealing with bad debt is no fun. Dealing with a bad debt collector can be downright terrifying. When you have a bad debt that has gone to a collection agency it can be very easy to want to avoid the pain of the situation or even totally ignore it when you know you can’t possibly pay it.  That’s why some collectors of overdue debt will do everything they can to get your attention, even if it’s illegal. Most debt collection agencies are legit and strictly follow the rules set forth by the FTC  (Federal Trade Commission). However, there are plenty […] Read more »

Structured Settlements Can Help Fund Major Car Repairs

car settlement

Selling your structured settlement can open up many opportunities for you to pay for vital expenses. If you have a car that is in need of receiving some type of repair, it may benefit you to take some or all of the funds to pay off the costs of these issues. Cars and trucks may be the primary way of getting you to your job, so having a reliable vehicle could be crucial. Exterior Fixes that May be Necessary There are many issues that are on the outside of a vehicle that could need to be repaired in order to […] Read more »

What’s In a Premium? Factors Affecting the Price of Insurance

helth insurance

Under the community rating system, providers must charge all applicants the same rate for the same policy, regardless of external demographic factors or physical condition. This creates largely standardized rates for insurance coverage, but there are still tremendous differences in cost between policies. Some of the variation can be attributed to the Lifetime Health Cover regulations, which provide the lowest rates possible on hospital cover for those who take out a policy before their 31st birthday and impose a 2% load each year afterward for later adoptees. However, this added cost usually reflects the added options the policy provides, and […] Read more »

I Love You Like a Blogger Roundup – 12/12


Only two more shopping weekends until Christmas, how is your shopping coming along??  My kids submitted their lists last week, and we’ve been picking items off as the days tick by.  We’ll pick up a few more items this weekend, and I’ve got some gifts for Vonnie ordered online and being shipped.  This could turn out to be the easiest Christmas shopping season ever!! To keep you financially motivated and on track, here’s my favorite posts of the week…..check ‘em out and give them some love – and do NOT forget to pump those fists! Posts That Make Me Fist […] Read more »

Warning: Shopping Without A List Is Hazardous To Your Budget


My love of lists is almost legendary, my daily activities driven from them. I have different lists for different parts of my day: Things needing to be done at work, written on my office white board Personal life todo list written in a notebook on the kitchen counter Blogging todo list written in a notebook on my computer desk My lists help me not only remember things that need to be done, but also to prioritize them. My wife sometimes makes fun of me because of my lists, but she understands the importance I place on them. I commonly find […] Read more »

3 Bank Accounts That Pay You to Move to Them

The banks are at war for new customers and are offering some fantastic incentives and rates to persuade people to move to them and be a new customer. They are trying to shake off the old stuffy image and re vamp themselves to be much friendlier, approachable and offer extras that align to your life. If you are trying to pay off a debt to your bank a good tactic can be to move to a new bank, take the cash incentives and look at that as a fresh start. You close the old account make an arrangement with the […] Read more »

Now is the Time to Invest in Stocks for Your Future

Best investment is long term1

Investing can make or break your bank account. You should always know what you are getting into when you are trying to invest to make extra capital. It would not hurt to do the following before you invest a ton of money into the world of stock uncertainty. For advice and expertise for this short article, we asked finance experts AnaCap Financial Partners for their opinion (you can see about them and their latest news here AnaCap Financial Partners – News) on what to do and what to look out for when looking to invest. Here are 5 tips that […] Read more »

I Love You Like A Blogger Roundup – 12/5


Great weekend ahead, EOD Nation!  We have our neighborhood Christmas party this evening hosted by one of our neighbors.  Tomorrow night we’re getting together with friends for an ugly sweater party.  Each gathering will require us to bring along some dish to pass, but throwing together some sort of appetizer or dessert will be super cheap.  Two nights of fun with friends, two nights with very little spent.  That’s what I like to call #WINNING. It definitely deserves some fist pump action….what do you have going this weekend? Posts That Make Me Fist Pump How To Save $200 On Your […] Read more »

Is It Time To Start A Precious Metals IRA?

gold pieces1

When investing for retirement, it’s incredibly important to actively make decisions that will protect your nest egg. That’s why more and more people seem to be asking the question “Is it time to start a precious metals IRA?” Today, we’ll talk about how precious metals IRAs help to protect retirement investments, and look at market conditions to decide whether or not it’s time to start one. So, let’s get right to it. How Do Precious Metals Protect Retirement Investments? The reason precious metals help to protect investments goes back to the basic law of supply and demand. When supply goes […] Read more »

When to Refinance a Home Loan


When was the last time you reviewed your mortgage? Most people simply continue making payments year after year without even bothering to review their loan. But circumstances change and a lot can happen in a short period. Homeownership goals could change, new loan features could become available or an investment opportunity may present itself. So your current mortgage may not be ideally suited to your needs. Continuing to make payments without reviewing your mortgage could be limiting your options or even be costing you. So what can you do if your loan is no longer right for you? One option […] Read more »

Instant Gratification Here, There, and Everywhere


I felt myself becoming more agitated as I sat at the stoplight waiting for the light to turn green. I was on my way to the gym, and was anxious to get started. The light was seemingly taking forever, so I decided to figure out how long the light was red.  I was sure it would be a ridiculous amount of time. I remember that I had started a new track as I pulled up to the intersection so I would easily be able to calculate how long I was sitting there. After what seemed like an excruciating eternity the […] Read more »

I Love You Like a Blogger Roundup – 11/28


I’m breathing a sigh of relief today, my friends.  In preparation for Thanksgiving at my mother-in-law’s house I spent all day Wednesday smoking a brisket, and got up crazy early yesterday morning to smoke a ham.  I got a great night’s sleep last night though. I hadn’t planned on going Black Friday shopping, but just for fun I looked through all the ads looking for anything that I was in the market to buy.  I found nothing.  The big goose egg.  Nada.  I woke up this morning refreshed and ready to take the rest of the weekend to recharge the […] Read more »

A Black Friday Deal you WON’T believe!

Black Friday Loan Special

Good morning and Happy Thanksgiving! I hope your day is filled with family and board games along with tons of turkey and stuffing (I love stuffing). I should be entering receipts into YNAB right now. I usually check our bank account for my wife’s deposits at the same time but when I signed on to online banking I saw this: They are using the holidays as an excuse to sell you money Look, I understand if you don’t have enough money to purchase all the Christmas gifts you’d like to. Maybe you will borrow money to buy gifts this year, I’m […] Read more »