Sep/110
About Debt Consolidation
According to wordtracker, 1819 searches are made per day for the word debt consolidation while debt settlement or debt relief makes only 300 search counts per day. Do you think that all these people who are searching for this word actually want to do debt consolidation? My experience says that most of them want a debt solution. People feel that debt consolidation is the most commonly accepted debt solution.
Is the word debt consolidation misinterpreted?
If we look at Debt Consolidation Care some new members feel debt consolidation is all about settling debts, some feel it is about getting counseling and some feel it is about managing the whole debt. Some even feel it is about doing everything together to settle debts. Consolidation is “The act of combining into an integral whole”, so debt consolidation should be “The act of combining all fragmented debts into an integral whole”. There are different ways of debt consolidation; however, the most common way of merging all the debts is by taking another loan.
Is debt consolidation different from debt consolidation loan?
Yes, it is. Even Wikipedia confuses between “debt consolidation” and “debt consolidation loan”. Debt consolidation loan is about taking a new loan to repay your entire fragmented loan. This can:-
Make debts more manageable.
Sometimes reduce the average interest rate paid on fragmented debts.
Further reduce the average interest paid on fragmented debts if a bigger secured debt (like home equity loan, which will offer much lower interest rate) is used to pay unsecured debts.
Debt consolidation loan is a kind of debt consolidation. Sometimes taking a huge loan to repay your other loans is not advisable. In the absence of collateral attachments, it is seen that many reliable creditors refuse to offer a huge loan package at lower rates.
From a customer’s point of view, it is basically consolidating many monthly payments to one in a smarter way to save more and pay faster. This can be done even without taking a loan by using debt management program, which is again widely perceived as debt consolidation, as monthly payments are consolidated to one. Next section of the article will explain it further.
Why everything is perceived as debt consolidation?
What customer sees is one big monthly payment, which might be used by a law firm under different schemes to settle debts.
A law firm may use the money for an account basis suited solution, which may include:-
Debt Settlement: One account may go for debt settlement, so the company may sometimes accumulate the monthly payments to offer a lump sum.
Debt Consolidation Loan: Another account may be paid off using another loan.
So the perceived debt consolidation includes:-
Consolidating monthly payments to one.
Debt settlement.
Debt negotiation with the creditors.
Credit counseling.
Debt consolidation loan.
Debt management.
Debt portfolio.
Asset portfolio.
Budgeting.
When nothing works out the law firm helps the customer file a suited bankruptcy. Next time when you hear “debt consolidation”, remember it can be a perceived word for a mix of debt solutions.
Janet Williams is a financial writer for www.debtconsolidationcare.com
Article from articlesbase.com
Sep/110
Facts about Buying Land – The Tips to Making a Remarkable Purchase
Buying land is surely as valuable as home purchase which is everybodyâs dream and ultimate desire. However, those who plan to buy land need to consider more things than just simply finding the perfect dream house for him and his loved ones. Most available lands are under land ordinances set by their respective states and local authorities. Therefore, before finalizing a transaction for land purchase, it is imperative that you get to check first with the local authorities to know the entire scenario about land buying.
What are factors to consider in buying land?
Finding the perfect topography and the appropriate building suited for the land requires not only your gut feeling and initial instinct. You definitely need to hire professionals who are skilled and highly trained in this area of real estate. It is best that you seek advice especially when deciding if the land is truly suitable for your home plans. This is also where the importance of knowing land ordinances comes in since different states have different standards. For instance, some states require construction of building or any form of structure on lands smaller than 20 acres and the like.
Other factors you need to consider are as follows.
Prone to natural hazards. Find out if the land you are planning to buy is prone to natural calamities like flood or fire. You can do this by securing a natural hazard disclosure which includes sufficient information regarding the background of the venue. Accessibility of utilities. This is very important since the convenience and comfort of your daily routine depends mainly on the proper function of your house. For instance, check if you have good access for water supply. You must also ensure that you have enough supply of electricity, a reliable cable and telephone line, among others. Most residents install generators to make sure that they have backup whenever there is utility failure in the place. Livestock sounds and smells. Remember that country life is far too different from urban living. If you are getting rid of air pollution caused by fuel gases of big vehicles and cars, in the country you need to expect smells from pig sties or poultry farms. Therefore, you need to be amenable by the smell of livestock wastes and brays or squawks you are bound to hear.
What are the advantages of buying land?
For instance, you are getting a much lower price rate given the trend of land purchase in the real estate industry. Compared to the limited space in urban households or dwelling places, having your own land means more air, space and the luxury to enjoy nature through trees and other foliage. You also have the opportunity to customize your own home according to your preferences and style. Most importantly, nothing beats the fresh air and relaxation you will find in lands located at the countryside.
Buying land is after all a very exciting venture you can invest your time, money and effort into. Finding the perfect land means enjoying a long-term investment you can surely benefit from.
To know more about buying land, you can check Phoenix Homes for Sale. Find other real estate ideas and tips by visiting Residential Real Estate in Phoenix AZ.
Article from articlesbase.com
Aug/110
Do You Believe Any of These Top 10 Myths About Debt Consolidation?
Most people facing growing debt and limited resources have probably looked around for financial solutions and heard a little bit about debt consolidation. Debt consolidation is a great financial option to overcome overwhelming debt, but it is not right for everyone. But before you can figure out if it is right for you, you have to realize that some of what you may have thought about debt consolidation … is wrong.
Of all the financial plans available for people dealing with overwhelming debt, debt consolidation is probably the most valuable and the least understood. In fact, you may already believe some of these common myths about debt consolidation. Find out the truth!
Myth #1 Debt consolidation is the same or similar to debt management, debt settlement, and bankruptcy.
Truth Debt consolidation is nothing like those other programs. In truth, it is not so much a “program” (you can even do it on your own, if you know enough) but more of a strategic approach.
In debt consolidation, you lump all of your debts together and repackage them. Debt settlement and debt management typically involve dealing with a company or counselor and the object is to reduce the amount you owe. Bankruptcy is a legal proceeding that involves a date with a judge.
Myth #2 Debt consolidation reduces your debt.
Truth No, it doesn’t. If you owe a total of ,000 on several credit cards and loans and you consolidate that debt, you still owe ,000.
Debt consolidation does not re-negotiate, settle, write off, or reduce any of your debt. What possible advantage is re-organizing your debt like that?
If you have a lot of loans at high interest rates, repackaging those higher-interest debts into one larger loan at a lower rate reduces your interest and the amount you have to pay. This means you can either pay less a month or (even better) pay the same amount but get the debt paid off sooner.
Myth #3 Debt consolidation will hurt my credit score.
Truth Done properly, debt consolidation will not impact your credit score or credit report negatively. In fact, debt consolidation may even improve your credit score! That’s because you’ll be paying off a bunch of smaller loans and any time a loan is paid in full, that helps your credit score.
Myth #4 Debt consolidation requires getting help from an outside agency or a lawyer.
Truth While there are companies that specialize in debt consolidation programs, you do not have to use them to consolidate your debt.
Of course, if you want to consolidate your debt on your own, you have to know a bit about how to do it and what the options are. But it can definitely be a do-it-yourself project for people good with money (or who are willing to learn enough to get good with money).
Debt consolidation is also not necessarily visible to outsiders. Your bank, the credit bureau, and other parties may not even be aware that you have consolidated debt.
Myth #5 Debt consolidation is something for financial losers and lightweights, not for people who know how to manage money.
Truth This is the most far-out myth about debt consolidation. Debt consolidation is a principle that is used in business and by the super-wealthy all of the time. It is a way of organizing and structuring your debts in a way that is most advantageous to you.
Myth #6 Debt consolidation is just robbing Peter to pay Paul; you’re just getting more debt!
Truth Debt consolidation is indeed a way for you to pay off one debt by getting another debt. But not all debts are equal.
As an example, let’s say that you owe ,000 and the loan is set up so that you have to pay 22% interest. For example, let’s suppose that I go to my credit union and work out a deal to borrow ,000 at 12% interest. While both debts are still in the amount of ,000, the debt at 12% interest is a better deal for me. I won’t have to pay as much per month or, if I make the biggest payments I can, I can pay it off sooner.
Myth #7 Debt consolidation requires you to be a homeowner.
Truth There is a grain of truth to this, in that owning a home definitely offers an advantage to anyone who wants to consolidate debt. (It doesn’t matter if your home is paid for or not, but you do need some home equity.) However, you can consolidate debt without owning a home, too.
Myth #8 Debt consolidation will make it harder for me to get future loans.
Truth In most cases, it is unlikely that anyone but a forensic accountant could figure out that you consolidated your debt (unless you go through a debt consolidation company
Article from articlesbase.com
Mar/110
Get Your Questions about Debt Management Answered
Summary:
A debt management program is the most reliable strategy to handle all types of debt issues. If you have any questions related to debt problems, get them clarified by debt management solution agencies.
Debt management solutions
Thanks to the growing number of debt problems, debt management is a billion dollar industry today. But debt management is such a vast concept that many people are still not completely aware of it. This article is an endeavor to offer answers to all your questions related to debt management solutions.
What are secured and unsecured debt?
Loans such as car loans and home mortgages are called secured debt. Credit cards, personal loans, educational loans and various repossession loans come under unsecured debt.
Is secured debt covered under debt management plans (DMPs)?
No, secured debt is not covered under DMPs. Debt management solutions agencies only include unsecured debt under their debt handling plans.
Can I opt for buying a home or car even while am following a DMP?
Yes you can, provided you don’t have any bad credit history and you have been into the debt management plan for at least one year.
How effective is debt management counseling?
If you can handle debt problems on your own, then you don’t need debt management counseling sessions. But if handling debt is getting out of hand, then it’s strongly recommended that you attend counseling sessions. The debt management counselors will teach you strategies on how to reduce your cumulative debt and strengthen your financial condition.
How soon can I get rid of my debt problems?
Debt management solutions are not magic tricks that will make you debt-free overnight. They are just well organized strategies to streamline your finances. According to experts, it takes about 2-5 years to cover all the settlement processes and legal formalities to be debt-free.
If I choose a debt settlement option, how much of my debt can be waived?
According to debt management experts, a debt settlement process reduces your debt up to 40-60%. If you have long outstanding balance due, debt settlement is the best option.
When should I opt for bankruptcy?
Bankruptcy should be the last resort when all other means to pay off debt have failed. Although bankruptcy gives temporary relief from debt problems, it has a negative impact on your future endeavors.
I hope these answers will be helpful in clearing your doubts regarding debt management.
is a financial consultant who works as a business analyst at DebtBurst. DebtBurst offers all clients effective debt consolidation help and debt protection. They help clients manage their finances, take control of their lives, create a secure financial future and most of all become debt free. With industry experience of more than 20 years, they are considered one of the best debt consolidation companies who have gone beyond normal debt management and debt settlement services to offer assistance for their customers to maintain a debt-free and rewarding life.
Article from articlesbase.com
Find More Debt Management Articles
Mar/110
Personal Finance Articles: How Changing Your Mind About Your Personal Finance Will Change the State of Your Wallet
Many personal finance articles have been written on the issue of money. Can’t say I have been moved to action by many. First I’d like to say it is ok that you feel down about the current situation about your personal finances. I give you permission to feel your feeling for the next 24 hours and then pull yourself by your boot straps and let’s what we can do.
There exist many a definition, I want to share with you my personal finance definition:
Financial freedom is not an event, it is a skill.
I bet right now with the current economic situation you are saying to yourself, “I just wish I could the lotto!” Boy don’t we all and yet statistics and personal finance facts show that the majority of people who win the lottery, end up broke and worse off before their winnings! Imagine that. You among the many seeking wealth, riches, fame few people realize that money isn’t the solution to their problems; the way you think about money is the problem and the solution.
I can almost see you going oh yeah, give me the money and I’ll show you change in mindset!
My favorite entrepreneur of all times, Henry Ford was once asked, “What if you lost everything you own?” He responded without missing a beat: “I’d have it all back and more within 5 years.”
Being a master of your own personal finance is not about what is in the bank; it’s about the ability to acquire the skill that will show you how to produce new streams of income and wealth based on your knowledge and experience.
So before we go any further on this issue let us tackle the real problem here that is impeding your personal finance for good! Why you might ask? Well without the mastery of these 5 steps, your desire for your goal for financial success and financial freedom is highly unlikely! This is why big players in any industry have coaches, Oprah has a life coach, football players and basketball players have coaches and mentors. Tiger woods after every bad game will go in for coaching and training. Why? Those who achieve great financial success do not go it alone. They always have a team. Those who achieve great poverty have the do it yourself mentality!
Why is it important to plan personal finances?
5 Steps That Will Guarantee You Become Master Your Personal Finances
1. How do you think about money? Say you come up with an idea to do something. Do you think that will never work? Are you afraid to follow through? Are you scared of loosing money or do you see every dollar spent as an investment?
2. How do you manage and invest your time? The average man has at his disposal 6 discretionary hours. This is time they can do whatever they want. No work, no chores etc. Many will watch T.V., attend pricey sports events, spend money on meals at a restaurant and movies, see where I am going with this? Do you do personal finance budgeting?
3. How do you leverage the talents and life experiences you ALREADY POSSESS?
Most people see their experiences as failures. They only talk of how they tried to do something as failed. Thomas Edison failed more than I care to count, and yet he persisted to light the whole world. Many of life’s failures are people who did not realize how close they were to success when they gave up. Thomas A. Edison
4. Do you have a mentor and/or coach with a proven personal finance curriculum? This is the true measure of your desire for financial freedom. This is where you literally put your money where your mouth is, can’t afford a mentor you say? Well what was the last book you read? Gossip magazines do not count as literature sorry ?!
5. What do you think is “risky,” and what do you think is “safe and secure”? Most people never break into the realm of the 5% wealthy group who own 95% of the worlds resources because they want to play it safe. They want the money, the fame, the accolades but they feel they should not have to go through the process of creating this wealth. No wonder the internet and other places are full of scams and get rich quick opportunities. Remember this success does not happen overnight, but one night success does happen. Someone once said to me, it takes 3 years to be an overnight success!
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Article from articlesbase.com
Feb/110
All About Malaysian Women Entrepreneurs
Malaysian women entrepreneurs today are still facing a considerable number of obstacles. You see, venturing in new markets can be a problem for Malaysian women entrepreneurs simply because of the fact that information can be hard to obtain.
We all know that you need information in order to start a proper business venture.
You will need to know about:
a) The market – is there an available market for your product? This determines how well you can expect your product or service to be received. The market determines how much profit you will be able to make. Do you think that people will be wiling to pay the prices you set? Will your market last, or are you experiencing some kind of fad?
Without proper knowledge of the market, Malaysian women entrepreneurs can end up spending a lot of money on complete and utter failures.
b) The finances – you also need proper information as to the costs and the profits you can expect from your business. Entrepreneurs become entrepreneurs mainly because of the objective of profit. By having the correct financial information, you can successfully plan out your business and where you think that venture will take you.
Difficulty in obtaining financial information can cause Malaysian women entrepreneurs to make wrong decisions. You see, you need to be able to estimate your finances ion the best possible manner in order to set up a business correctly.
c) Comparative studies – you need to obtain accurate information about similar businesses in order to know what to expect when starting your business venture. You see, it is often hard for Malaysian women entrepreneurs to obtain accurate and up-to-date information. This can lead to some pretty serious lapses of judgment.
Hypes and fads occur all the time. You need accurate information in order to see if a business that was popular last week is still feasible today.
Another problem encountered by Malaysian women entrepreneurs is lack of networking. You see, connections are important when running your own business. By establishing connections with other Malaysian women entrepreneurs you get a lot of advantages, including:
1) Information sharing – information is easier to obtain if you have a number of people keeping their eyes and ears open. By forming a network with other Malaysian women entrepreneurs, you actually get the opportunity to gather more information, providing you also share what you know.
2) Advice – in starting your own business, you need all the help you can get. How can you get it if you don’t network with other Malaysian women entrepreneurs? Nobody can claim to know everything about business, but within a network, you can come pretty close.
3) Pooling of resources – by networking with other Malaysian women entrepreneurs, you have the opportunity to share resources. We all know that businesses suffer losses. However, being in a network can help you recover quickly from any type of defeat. Entrepreneurial networks today actually have help systems which try and support members when their business is facing a crisis.
Fortunately enough, there actually is a group that Malaysian women entrepreneurs can turn to when they need help. The National Association of Women Entrepreneurs of Malaysia (NAWEM) was formed with the objective of helping Malaysian women entrepreneurs get their businesses off the ground and become globally competitive.
NAWEM actually provides Malaysian women entrepreneurs with different types of help. The organization conducts trainings and seminars designed to help Malaysian women entrepreneurs expand their skills and gain more knowledge regarding entrepreneurship.
NAWEM also provides Malaysian women entrepreneurs with various opportunities to help them penetrate their target market.
You see, by joining an association like this, Malaysian women entrepreneurs finally get the edge they need. The group can act as a network, letting Malaysian women entrepreneurs share resources and information. The organization strives to fulfill the shortcomings of the individual.
NAWEM also helps Malaysian women entrepreneurs with their financial needs, giving them grants or loans in order to help them expand their ideas and business ventures. In doing so, they also strive to better the status of Malaysian women entrepreneurs. They also help these women by providing them with guidance and leadership. Entering the business world can be quite confusing, but an organization like NAWEM can help you find your way.
Dewa Buana Born at Bali Island now work as Tax Officer and free time Artist. Feel free to visit my website Mr Trusted Guide
Article from articlesbase.com
Feb/110
All About Managing Personal Finances For Success
Operating your money and personal finances is not difficult with just a basic understanding of the world of finance. Overcoming emotional stress in stressful occasions with this guide to personal finances, budgeting money, managing personal finances, using personal budget software or seeking finance help online is a critical action. Our financial guide offers great value in enabling you in all areas of money.
Most people don’t think of themselves or their lives as a business. But from birth to passing, you are in business for yourself, the business of you. How you choose to run your business is up to you. The same guidelines that apply to running a successful business also apply to leading a victorious life, both financially with your money and emotionally. Stress about money can affect your emotions negatively as well as your health.
Let me give you four important points of our guide from Personal Finances Online Help.com, to managing personal finances successfully.
• Take extra effort in removing any emotion like dept anxiety or overwhelm from financial obligations worry over mounting bills and income. Removing emotional responses from your personal finance budgeting will be a work in progress, and you should always remain on guard for over active emotions. Taking emotion out of dealing with your finances will help you come up with positive solutions and solve problems more effectively.
• Managing your personal finances on a regular basis rather than letting the admin tasks mount up is critical. That way you stay on top of where you are at, can change things, and make better decisions ahead of time rather than always being in reaction mode or putting out fires. Avoid decisions that would lead to bankruptcy like over leveraging your loans or taking on financial commitments you don’t know how you can pay back.
• Devote yourself to developing greater skill sets like budgeting, planning and even using budgeting software. Managing personal finances like a business is about seizing control of your destiny, both with your finances and your life. Try to be like the great business leaders and attack your future with vigor and enthusiasm. Supervising your finances in this way, with boldness and a belief in their importance can have amazing results.
• Don’t be withdrawn to use software to support you with your personal budgeting is a good idea because it contains spreadsheets that have everything in one place. You can see very quickly where your current state it, budget better, plan better, not to mention the time it will save you putting your own spreadsheet together.
The most effective personal finance software provides sufficient user-friendly features, allowing users to manage every aspect of their finances, including accounts, investments, future plans and taxes. Software will provide up to date information on tax laws and stock reviews to help you make knowledgeable decisions.
Bare in mind that proper budgeting of your personal finances is the beginning of good and sound financial management. There are lots of sites online and budgeting software can help you. Of course, this will not be possible without first your determination to manage your financial obligations without getting stressed about it.
Find our Complete Guide to managing your money and the business of you at Personal Finances Online Help .
Fleur Favs wrote numerous articles which provides quality and relevant informations about personal finance management.
Article from articlesbase.com
Certificate: www.fdu.edu/personalfinance This presentation discusses the basics of personal finance and planning, for the short and long term. The talk is given by Marnie Aznar, Marnie B. Aznar, MBA, CFP®, NAPFA – Registered Financial Advisor, Aznar Financial Advisors, LLC
Video Rating: 0 / 5
Jan/110
The Truth About How Debt Consolidation Works
Some would say Debt Consolidation is nothing more than a “con” because you think you’ve done something about your debt problem. The debt is still there, as are the habits that caused it! This may be true to a certain extent however, obtaining lower interest rates on your debt is always better than continuing with high interest rates.
David Bach, noted financial author, says There is, a simple solution. The one way to create lasting financial change that will help you build real wealth over time is to . . . MAKE YOUR FINANCIAL PLAN AUTOMATIC! Making your financial plan automatic is the one step that virtually guarantees that you won’t fail financially.Why? Because by making it automatic, you will have set yourself up for success. And as you will learn in this little book, you can do this in literally minutes.
How Does Debt Consolidation Work ?
Debt Consolidation helps those with high interest rates obtain low interest rates. Typically, the new rates will range somewhere between 0% to 10 %. Most of the time Debt Consolidation clients are set up on an automatic payment draft. That way they do not have to worry about paying each creditor each month. The payment process to each creditor is done for them. There is no prepayment penalty so clients can always pay more than the minimum amount required. Also participation in Credit Counseling is NOT factored into your FICO® score. Click here for details
Debt consolidation is very appealing because you can obtain lower interest rates and a lower payment amount on the debt you owe. It is not a loan so you do NOT have to qualify or put up any of your assets. The person consolidating their debt always has the option to pay more. It is recommended that you pay as much as possible to get out of debt that much faster. The payments on these programs are typically done automatically. By having the debt consolidation draft done automatically you forget about it. Debt consolidation is the best option for obtaining low interest rates fast without a loan.
Debt Consolidation Example
For example, let’s say you have ,000 in unsecured debt, at an average interest rate of 20%. Let’s say your total monthly payments on the ,000 of credit card debt is 0 per month. Without debt consolidation and by paying just the minimum due, the total amount of money you would pay getting this debt paid off would be 6,660.00. If you joined a debt consolidation program, paid a level payment amount each month and your average interest rate was lowered to 10%, the total amount of money you would pay to get your debt paid off would be ,280.00. Sounds great, doesn’t it? Who wouldn’t want to pay 8,380.00 less in payments?
Debt Consolidation allows you the opportunity to lower interest rates and lower payment amounts however, if you do not change your spending habits you will eventually end up in the same situation you are right now. The best way to do this is to make a budget for yourself. This will help you target non-productive spending. Use our quick budget calculator at Debt Solutions USA. Debt Solutions USA is a leader in this industry and can help you get out of debt fast. Debt Solutions USA is BBB Accredited and Approved and also have an A+ Rating. Get your free no-obligation quote now at www.DebtSolutionsUSA.com Try Debt Consolidation Today!
Read more articles at Debt Solutions Guide to Managing Debt
NoDebtDiva is a financial professional dedicated to helping those who are in financial need.
Article from articlesbase.com
Related Debt Consolidation Articles
Jul/100
Survey: Colorado Teens Want To Know More About Personal Finance But Have Few Opportunities To Learn
Denver, Colorado (PRWEB) May 14, 2009
A recent survey of Denver-area high school students shows that nearly half want to know more about personal finance, but less than one in 10 has taken a class on the topic. Nearly one in five respondents indicated they don’t know anything about personal finance.
The survey of more than 500 high school students was conducted by Joshua Holmberg and David Bruzzese as part of ongoing research for their book, “The Teen’s Guide to Personal Finance: Basic concepts in personal finance that every teen should know”. The surveys were conducted earlier this year at personal finance presentations the authors gave at several area high schools.
“Teens with no knowledge of personal finance grow up to be adults with no knowledge of personal finance. We’re trying to reach youth at the point when they have the potential to earn money and begin making financial decisions that can impact the rest of their lives,” said Bruzzese.
Financial education opportunities for Colorado teens will increase as mandatory financial literacy requirements for public high school students go into effect in 2010.
When asked which financial topics they were most interested in learning about, 64 percent of respondents ranked saving money among their top two choices, followed by investing at 49 percent, and tracking spending at 48 percent. Not surprisingly, only 12 percent ranked retirement among their top two choices.
More than half the respondents indicated that having enough money to have fun and buy the things they want was most important, compared to equal numbers, 23 percent, who indicated either saving for a car or saving for college as a top choice of what to do with money. Only three percent of students considered saving for retirement to be most important.
“Teens in Colorado overwhelmingly want to learn about personal finance, yet without educational opportunities, they will continue to see money primarily as a means of instant gratification,” said Holmberg, “We want to help teens understand the basics of personal finance so they can avoid the financial pitfalls that so many of us have experienced. If you look at what’s happening in the economy, it’s clear that individuals’ bad financial decisions, which may be attributed, in part, to a lack of knowledge, will continue to have negative repercussions.”
The personal finance seminar Holmberg and Bruzzese developed for teens has been delivered to more than 1,000 Colorado high school students. Survey results will be used to tailor the seminar to better meet the needs of students and educators. Complete survey results are available at Teen Finance Survey Results.
Joshua Holmberg, of Littleton, CO, earned an MBA at the University of Denver. David Bruzzese, of Durango, CO, earned an MBA at the W.P. Carey School of Business at Arizona State University.
The Teen’s Guide to Personal Finance: Basic Concepts in Personal Finance Every Teen Should Know, 94 pp., published by iUniverse, $ 12.95.
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Jun/100
100 Personal Finance Podcasts Launched Feb 2, 2010; Canadians Will Learn about Their Money From The Industry Experts

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100 Personal Finance Podcasts Launched Feb 2, 2010; Canadians Will Learn about Their Money From The Industry Experts
(PRWEB) February 6, 2010
http://www.Canadian-Money-Advisor.ca is currently doing podcast interviews with the following: Personal Finance Suppliers, Personal Finance Authors and Bloggers, Personal Finance Success Coaches. These interviews will be in such categories as credit, investing, insurance, retirement planning, bankruptcy and more. The public will able to listen to these podcasts at no charge.
Canadian-Money-Advisor.ca kicked of its 100 Personal Finance Podcasts for Canadians event on February 2, 2010. The purpose of these interviews is to give Canadians an education about personal finance from the experts in their respective fields.
According to Monty Loree – owner of the site, “I thought it would be a valuable resource to add these podcast interviews to the already vast amount of information that we offer our visitors”. Also, “It gives us an insight into these experts that we would not normally get”.
These 100 podcasts will be streamed through out the year, and the visitor can find them here on the sites podcast summary page: http://www.canadian-money-advisor.ca/podcast-summary.html
Along with the sites summary page, the podcasts can also be downloaded from Itunes: (Search Canadian Money Advisor in the Itunes store)
Interview Partners Needed – Looking for Interested Personal Finance Experts
Monty Loree also wants to give a shout out to personal finance experts of all types. If you’ve got an expertise in any area of personal finance, He would like to interview you for this series.
Personal Finance Experts Needed in the following Categories:
Investing – Stocks, Mutual Funds, Real Estate etc
Retirement Planning
Credit & Debt Consultation
Mortgages
Personal Insurance of all types
Emergency Saving
Bankruptcy & Debt Settlement
Credit Bureaus
About Canadian-Money-Advisor.ca
Canadian-Money-Advisor.ca was established in 2005 with the purpose to help Canadians with credit, debt, collection agencies & credit reports. Since then they’ve expanded to help Canadians with the full spectrum of personal finance topics. The site has a blog, discussion forum, “What Is” articles, and the podcast directory”. The site now has 4,000+ discussion forum members, and 2,100+ blog posts & articles to share with its visitors.
Contact: For more information contact HomeGrown Advertising Inc – Monty Loree at 306-949-5423
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