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Jeff Lakie's Articles in Finance

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Pre-foreclosure Deals in a Hot Housing Market You have seen all of the advertisements where merchants are hawking their products to help you profit in the home foreclosure market. You Can Prevent A Home Foreclosure If you are behind on mortgage payments, a foreclosure is not inevitable despite your current financial situation. Tax Relief the American Way! One of the reasons that the American colonies broke away from England was squarely over the issue of taxes. Tax Deduction Options You May Have Missed As a business person or everyday taxpayer you may think that you have taken every conceivable tax deduction available to you. However, if you paid closer attention to recent amendments to the tax code you may have uncovered some additional special deductions for the most recent tax year. Keeping Your Georgia Home Out of Foreclosure If you live in Georgia, then you fully enjoy a state well known for its big city amenities as found in Atlanta as well as the antebellum culture of Savannah. Locations Where Foreclosures Are Nearly Blooming The home foreclosure market – if that is a proper term to use – is blooming, but not evenly across the nation. Foreclosures Are Increasing, Will You Bite? They say that one man’s misfortune is another man’s fortune. Few people really like to take advantage of someone else’s tough times, but in the present housing market it is nearly foolish not to. Keeping the Foreclosure Monster at Bay! Have you fallen behind on your mortgage payments? Are you worried that your home may soon be foreclosed? Property Taxes and Your Personal Vehicle – Save Money! In some states consumers can expect to pay property taxes on their homes as well as on their personal vehicles. Low Taxes Mean a Stronger Economy There is a killer on the loose that can steal, kill, and destroy the economy: high taxes. In areas of the world where taxes are very high, economies are generally very weak. Carolina Real Estate Foreclosures If you are a distressed homeowner and are living in the Carolinas, then avoiding foreclosure is essential to keeping you in your home as well as preserving your credit integrity. Be Aware of the Foreclosure Hunters! You may already be at the point where you know that foreclosing your home is inevitable. Likely, you are several months behind on mortgage payments and unable to meet your debt obligations. Home Foreclosures Can Lead to Big Profits If you know of a home that is about to be foreclosed you could conceivably step in before the court ruling and buy the home. Finding and Profiting From Home Foreclosures Thousands of investors across North America have taken a part time opportunity and turned it into a full time career, one putting them squarely on the road to wealth. Things to Consider Before Foreclosure If your home is at risk of foreclosure it may be one of the worst things that can happen to you in your life. Short of a serious illness or an untimely death, a home foreclosure can adversely shape your life and impact your ability to function normally for many years. Home Based Business Tax Deduction Options If you operate your own business, particularly you run a business from your home, you probably already know that you have a large amount of deductions at your disposal. Are you familiar with all of them? If not, let’s take a look at some key deductions you don’t want to miss. Finding Real Relief From High Taxes It is the bane of citizens everywhere: high taxes that can crimp your lifestyle, even affect the way that you do business. In many areas, citizens are revolting against ever increasing taxes by insisting that lawmakers hold the line on spending. A Short Sale to Avoid Home Foreclosure If you are looking to purchase a home before it goes into foreclosure, you may be able to arrange a short sale if you play your hand right. A short sale involves selling the home to you at a price less than what the owner owes to the mortgage company. A Hidden Answer to Your Pending Foreclosure Problem Falling behind on your mortgage is not a good thing, but sometimes it simply cannot be avoided. A job loss or other stumbling block could force you to miss one or two payments making you vulnerable to foreclosure. Getting Out of the Debt Whirlpool It would be to your advantage to look into business credit cards if you are a small business owner. These credit cards will allow you to keep personal and business expenses separate. This will make it easier to keep records of your business transactions You Can Save Money On Health Insurance American consumers understand that one of the biggest costs of maintaining our high standard of living is ensuring that everyone has access to adequate healthcare. Unlike most of Europe and Canada, there is no national health insurance plan in place You Can Have Fun With Plastic! A few generations ago, no one would have thought much about a society that did the bulk of its transactions with a little plastic card. Today, few would think about using cash for most purchases as credit cards and now debit cards have taken the world by storm. Yes, You Can Refinance Your Car Loan Everyone has heard about home refinancing where people replace their original mortgage with a new one. What a lot of consumers haven't heard about is car refinancing and how they can get rid of their original car loan for a better loan elsewhere. Working With An FHA Lender Applying for a home loan for first time mortgage borrowers can be a daunting and confusing task. An alphabet soup family of words is used: FHA, HUD, VA, and more can describe a loan, an agency, or some other plan. How do you know which one is right for you? Well, for starters the Federal Housing Authority of FHA doesn't issue loans, but they do back them. Understanding Internet Based Commercial Banks Ads on television, radio, plastered on billboard, in newspapers, magazines, and all around the internet are touting various internet based commercial banks. Likely, you have been intrigued by these ads where interest rates on even plain old savings deposits are above four percent and most CDs over five percent. Time For A Student Loan Consolidation Loan? If you have taken out several student loans then the time to consolidate could be now. There are several great debt consolidation loan programs available to help you pull all of your loans together into one easy to make monthly payment. Stay tuned for some helpful information! The Convenience of Online Bill Paying If you are like most people, you know that paying bills is an important part of maintaining good credit. If you are late or if you miss payment on a particular bill, you could soon find yourself hit with dunning letters or worse: your credit score could take a hit. Take Care That A Store Card Does Not Come Back to Haunt You You’ve seen the promotions as you walked into your favorite department store: sign up for a store card right now and you can get ten percent off of all of your shopping for the day even on sale items. Second Mortgage or Equity Loan: They Are Both the Same In the financial arena, many terms are used to explain what amounts to be the same thing. Mortgages are home loans and equity is the cash value in your home. One term that is used that sometimes causes confusion is second mortgages. Save Big Bucks On Motorcycle Insurance If you own a Harley, Yamaha, Honda or other fine bike you are probably very proud of your wheels. Bike prices are skyrocketing in the face of more motorists deciding to take to the streets in search of the ultimate riding experience. How well insured are you? Are you satisfied with your current motorcycle insurance? Save Money On Your Home Security System One of the largest and fastest growing consumer markets are home security systems. From city dwellers to farmers, home security systems provide residents with the security and peace of mind that they seek when away from home or at night when they are most vulnerable to break-ins and attacks. Preventing Identity Theft From Ruining Your Life Identity theft is a worldwide problem that continues to widen its scope every passing month. Billions of dollars are lost every year to criminals who obtain and reuse confidential consumer information to their advantage and to your peril. You can prevent identity theft by following several simple tips as suggested by law enforcement and consumer rights experts. Read on and I'll inform you of the ways that you can lessen your risk of becoming a victim of identity theft. Post Bankruptcy Car Loans and How To Get One You filed for personal bankruptcy and your options for obtaining any loan from a creditor are severely limited. Trouble is, the car that you are driving simply cannot be depended on to safely transport you to where you need to go. Personal Bankruptcy and Home Buying If you were granted a personal bankruptcy decision over the past several years you know that obtaining new credit is difficult, almost impossible. Fortunately, if you are looking to purchase a home, there are ways for you to still find home financing even with a personal bankruptcy ruling on your credit report. It won’t necessarily be an easy thing to do, but you could be in your new home if you explore some of the options open to you. Money Saving Tips For Your Next Vacation If you are in the middle of planning your next vacation, likely you are giving some thought to ways you can curtail your costs. Vacations should be an enjoyable and relaxing time but not at the cost of straining your budget. Less Than Perfect Credit Personal Loans If your credit is less than perfect and perhaps even below the average credit score rate, you may find it difficult to obtain a loan to purchase that car you want, pay for your child’s education, fund your daughter’s braces, or finance a whole host of other projects you have in mind. How to Get The Best Car Loan Deal Possible You can get a terrific rate on a new car loan and save yourself thousands of dollars in interest payments. Does this sound too good to be true? Well, it isn’t! Consumers are saving big on car loans and you can be one of the lucky ones too if you go into the deal fully equipped. Keep reading to learn how you can strike the deal of the century! Home Refinancing Post Personal Bankruptcy You filed for bankruptcy and after what seemed to be a lengthy time your application was granted by the courts. Fortunately, you were able to keep your house and most of your other debts including credit cards and one personal loan were discharged. Home Equity Lines of Credit Provide Value and Convenience If you are considering doing any work on your home, then a home equity line of credit can provide the value and convenience you need to get the job done at the pace you determine. Indeed, with a ready reserve of cash to draw upon you can borrow as little or as much as you like up to the full amount of the line. Get the Most Bang For Your Internet Advertising Dollars Internet advertising is all the rage with so many people talking about Google Adwords and Adsense that so much else is being missed in the process. If you run a small business, then you know that harnessing the power of the internet to obtain new customers is essential to the success of your endeavor. You can make internet advertising work to your advantage if you know certain truths first. What may that be? Keep reading and we’ll take a look at them. Free Checking Accounts Are The Right Way To Bank Banking fees certainly have been climbing over the years. Today it is common to hear about banks charging $35 for one returned check, $20 for a money transfer, $125 for a consumer loan application, and $12 per month for checking. Fortunately, some financial institutions are wising and realizing that customers do not want to over run with fees. While many of the charges I mentioned won’t go away, checking account fees can if you follow a few simple rules. Find the Very Best Credit Card Offer Check your mailbox on any given day and you are likely to find one, two, three or more offers to get a credit card. Most offers on the surface look pretty good, but you’ll have to do some digging before you find one that is a real hit. Are you considering opening up a new credit card account? If so, let’s take a look at what makes a worthwhile offer for card seekers everywhere. Donate a Car to Benefit Charities and Yourself The Internal Revenue Service allows for many different types of charitable deductions including cash, clothes, goods, and some services. One of the "goods" approved by the IRS that taxpayers may donate is their car. Although the IRS has tightened things up over the past few years, donating a car can benefit a favored charity and help yourself come tax day. Let's take a look at how your car donation can help you and a recognized charity. Can Debt Negotiation Work For You? If you owe monies to several lenders are finding it difficult to keep up with payments, then perhaps some form of debt negotiation could work for you. What is debt negotiation and how is it accomplished? Keep reading and we’ll take a look at what can be achieved via debt negotiation. Buy At Wholesale For the Best Deal Available Consumers looking for a great buy on a product are often drawn to sales at their local department store, retail chain, or factory outlet. Indeed, discounts of ten to fifty percent even more are possible it you hit these stores at the right time and the exact product is available when you shop. Building Credit With No Credit One of the oddities of the credit system is that if you apply for a credit card and haven’t had credit before, you not only will probably get turned down but your efforts will work against you in the form of a drop in your credit rating. Are All Credit Reports Truly Free? The Federal Trade Commission through an act of Congress has authorized that the three major credit reporting bureaus offer one free copy of your credit report to you on an annual basis. This decision has proven to be a boon for consumers who can now find out what creditors are saying about them and quickly respond to errors and omissions. Not all offers for obtaining free credit reports are truly free. Read on and we'll explore how you can know if an offer is right for you. All About Short Term Emergency Loans You have heard about them and have seen ads on the internet, perhaps even listened to radio ads or television spots about this financial product. What am I talking about? Payday loans, also known as cash advance loans or short term emergency loans. What exactly is this type of loan and should you ever take one out? Keep reading and we’ll explore the upsides and downsides of this type of personal loan. A Visa Gift Card Is A Thoughtful Gift If you are considering giving a gift to a friend, neighbor, family member, or co-worker, then consider giving a gift card instead of a present. Gift cards allow recipients to choose the gift that befits them and in many cases the card can be used at many different locations, especially if it is a Visa gift card. Yes, the same company that offers credit card and debit card services and is accepted almost everywhere now offers a gift card that can be used all over. A Low Credit Score Can Really Cost You! If you have a low credit score, well below the national average of 723 then that low score will cost you plenty over time. Loans will be difficult to obtain, but if approval is given you will pay a higher interest rate than someone with good credit. Think that a low credit score can’t hurt you? Well, it not only can it can make your life downright miserable.

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