Most student loan co-signers don’t appear to understand exactly what the process means. When I talk to co-signers and read comments on social media and online consumer boards, they feel confused. Co-signing for any loan, including a student loan, is a very high-risk venture. There are many reasons why co-signing is a risk. Some evidence is the parents who in their 70s and 80s, still pay for kids’ student loans. The parents get into trouble with bad health, unexpected job loss, divorces, death of a spouse, or forced early retirement and fall behind on payments. When this happens, the loan bala ..read more

House Flipping Profit or Not House-flipping people send letters, postcards, and phone calls to purchase homes nationwide. They are encouraged by house flipping tv shows that make it look easy. Flippers are individuals looking for a bargain to buy and flip a home for profit. Some contacts are from people paid to find homes for others who do the flipping. Why? The many house-flipping tv shows incorrectly portray the perception of easy wealth. The shows are about 40 minutes of house flipping from beginning to end. But, the actual work is at least 2-4 months, sometimes 4-6 months. Both home repair ..read more

Choosing a College by College Advisor, Tuition Option or Public 4 Year Colleges The top colleges and universities recommended by major publications; most American students can’t afford. Therefore you must consider several factors when choosing a college, to make the best choice possible. Those include the availability of a college advisor and tuition options. There are also the type of colleges to consider. Research the different private colleges united states as well as public 4 year colleges. There are usually huge differences in tuition option between private and public colleges. Public co ..read more

Is Now the Time to Buy a Home or Condo? Home prices are very high compared to the average American salary. Is Now the Time to Buy a Home for the First Time? In the early 2000s, home prices skyrocketed, and many people thought they could never buy. One reason was due to overuse of interest-only predatory home loans. Later the market crashed when the loans matured and crashed. Then followed the 2007 recession. In 1987 home prices went way up in most major areas of the United States, and many owners sold to ride the wave into a new and expensive homes. Later came the combination of home foreclosu ..read more

Garage sales are as American as apple pie. Here are a few tips for a successful garage sale. When doing a search on selling household items with little cost, there are several searches to do. Start with “garage sale near me this weekend,” “flea markets near me this weekend,” “consignment sale,” and “how to sell on eBay.” Identify the most cost-effective way to sell household items. There are many ways to make extra money, and many are from items in your own home. Simply by purging things you don’t use, don’t want, or don’t need, you can make money. In some cases, a lot of money if it is done r ..read more

There are a few tried and true steps to replace bad financial habits with good financial habits. Some call them bad money habits. Here you go. 1. The first step to replacing bad financial habits with good ones is realization. 2. The second step to creating good financial habits is to cut up credit cards and make limited use of credit cards. 3. The third step is to stop bad financial habits when you start to save. 4. The fourth step is to get a higher-paying job or negotiate a higher salary. 5. The fifth step to changing bad financial habits; is to find an affordable place to live. 6. The sixth ..read more

FROM CHECK WASHERS, CAR THIEVES, AND CATALYTIC CONVERTERS Keeping finances safe is getting harder and harder. The bad guys are working overtime at destroying great finances.  The good news is there are many solutions to these current problems. It starts with you and ends with you, as awareness is your best defense. The scams are getting more sophisticated on one hand, but easier for scammers on the other hand. Unfortunately, those who are potential victims are the ones making it easy for scammers. It seems not a week goes by when I don’t read someone on the web somewhere who has lost ever ..read more

YOU DON’T UNDERSTAND THE FINANCES WORD The finances word is a broad term with a general meaning in the management of money. Or its outflow for different purposes. It pertains to personal or business finances. Here the “finances word” will be used for the tracking and management of money. It will signify personal use now and in the future. Lately in the news, the focus has been on the growing retirement class. Attention is focused on the growing number of retirees without enough money to retire. Visiting the grocery store, and big box stores, as cashiers or greeters there are many elderly peopl ..read more

A NEW INVESTOR TYPE CREATED With some investment advisors, they will tell you it is ok to invest high risk at a young age. The reason is, if you lose money, there will be time to make it back. No pun intended but, that is a lose–lose situation. A better theory is if a young person becomes well-educated about any investment, the decisions should produce good results early and forever. Because the investments make money early, the money over time will grow substantially. This includes what I call a non-investment, which is predatory debt. Predatory debt comes in many forms. Some are high-interes ..read more

House Flipping Profit or Not House-flipping people send letters, postcards, and phone calls to purchase homes nationwide. They are encouraged by house flipping tv shows that make it look easy. Flippers are individuals looking for a bargain to buy and flip a home for profit. Some contacts are from people paid to find homes for others who do the flipping. Why? The many house-flipping tv shows incorrectly portray the perception of easy wealth. The shows are about 40 minutes of house flipping from beginning to end. But, the actual work is at least 2-4 months, sometimes 4-6 months. Both home repair ..read more