Stanley’s plan on Debt and Credit

Sarah, a graphic/web designer, musician and single mom according to her profile at SomeWhereOverTheDebt, treats her blog as a means of earning money. As a result her blog becomes a useful tool on her journey to become Debt Free. Know more about her at About SomeWhereOverTheDebt.

Blogging is no more a hobby; it is emerging as a profession. This is the right time to take full advantage of your blog. So start posting regularly; 1 post per day is not a big deal. It will add to the credibility of your blog and open doors of opportunity for you.

Technorati Tags: blog, blogging, debt free, money

We take so many oaths every year that we would not indulge in unplanned shopping, our New Year Resolutions always contain the point “we would follow a tight budget this year”. But we forget all these promises soon!

But I am a good boy this year. I planned my budget from March 2007. I allotted certain amounts to be spent every week. I have been trying to follow it since then and also making some savings out of it. Let’s see my progress here:

As I allotted $500 per week, you can easily speculate I have saved quite a few bucks in 2 months. Hope I would be able to continue this in the coming months also!

Technorati Tags: budgeting, debt, credit

Why do lovers hold their hands?

boy: otherwise she will go shopping all the time.
girl: or else he will go flirting all the girls.

read more | digg story

Technorati Tags: blog, blogs, blogging, valentine’s day, valentine, fun, jokes

Why would people want to decorate and design their credit cards? Don’t you think that a credit card that looks good and attractive is actually very harmful? People would always like to carry it and show it, on the other way, a card that is torn and shabby is good to credit

The reason I started this topic is that I read a similar post in Yahoo! Answers. And it seems Capital One provides the options to customize your own credit card.

Is it a business deal to attract more people? Do we really need a customized Credit Card? A so-so look is ok I think!

Technorati Tags: credit card, consumer credit

…5 words resulted in a round of applause that lasted for some minutes. Yes, I am talking about the 1893 Parliament of World’s Religions at Chicago. Swami Vivekanada, an Indian monk, was at the center of attraction of the session and millions of Americans were moved by his simple words “Sisters and Brothers of America.”

Today the Globe is celebrating the 144th Birthday of Swami Vivekananda. Let’s not miss the opportunity to offer our gratitude to one of the biggest personalities of the world, who taught us to worship humanism.

Technorati Tags: blog, blogging, news, india

Earlier job applications used to be denied because of poor credit. But now, in reality, your smoking habit can be the biggest obstacle in your way to get a better job. I am not joking. Employers do ask “Do you smoke?”

http://www.ectnews.com/about/careers.xhtml

Technorati Tags: News, Blog

Two threads in DebtCC forums compelled me to write this article.

• Payday lenders move online, try to bypass state laws

Confusions: Are lenders allowed to do business with citizens of the state where they are not licensed?

It seems they are not. Otherwise the Attorney General of the state of West Virginia would not have instructed payday loan companies to refund the overly charged fees? Read the full story.

• Misinformation about FDCPA Laws
  

Confusions: If a North Carolina consumer applies, through internet, for payday loan from a company that is licensed in Delaware, which state law the both of them should follow? Also, if the borrower defaults in such cases, what legal action lenders can take? Is there any law that supports the lender or the borrower?

Unless there is a strict law applied for Internet-based Payday Loan Companies, Stanley suggests some solutions:

For consumer: Read the very fine print very very very carefully. By agreeing to the contract you actually agree to follow the state laws where the company is licensed which create lots of confusions later on. If the lender is not licensed in your state, it’s better to stay away off them.

For lenders: Online business does not mean you would break local laws. There are several technical ways to locate the state/region of visitors. You should restrict your online business to the states where you have proper license only. Visitors from the states, where you are not licensed, should not have the privilege to apply for a loan. Tracking users’ IP is not that tough nowadays!

Technorati Tags: payday loan, no fax payday loan, payday loan online, faxless payday loan, payday cash loan, cash advance, payday cash advance, loan, news

Congratulations to you Ashley; I knew you would win the Blog Hunt contest this month. You are an expert blogger now Cover good stories in your blog and I am sure you can make it a big hit, all the best.

Yes it hurts to see people judging gifts with its usefulness and price.

Author Patrick Moore tried to make some good points in his article Stopping Shopping at Christmas. I do feel that I need not buy precious gifts for my fiancée to show my affection to her. She can feel it very well that how much I love her; however, I will buy one for her this Christmas. And I will shop for my parents, my brother, my grandma and for my friends too. They won’t mind nothing if I don’t buy anything for them, but I don’t want to miss the million dollar smile on their face when I present them with the gifts.

Patrick commented about the story of O. Henry:

Both hair and watch are gone, making the gifts all the more poignant.

However, I feel that both the gifts became sweeter and that’s the essence of the love: sacrificing your greatest possession for your love even when it is not necessary.

And we should not forget about txtreasure also. She has a great family, lovingly kids who are caring and considerate. Buying gifts for them is not a compulsion but it’s a kind of happiness that all the mothers would cherish. And what community did for her is simply great.

Also if we go through the What was your best present ever? thread in DebtCC forums, we can easily understand that gifts are not evaluated by money, usefulness nor the height weight and length; but the way it is presented.

I can’t help but defer Patrick Moore on his article about Christmas gifts. When I had no money, I used to prepare cards by my own and sent them to my friends! I will buy Christmas gifts in future also. And I am ready to cut my budget on other accounts to buy Christmas gifts. It’s not a stress, it’s a relief.

[tags]blog,news,society,world aids day[/tags