Personal Finance Blog

Marriage Money Matters
Aug 10 2009 Other No comments

lovemoney

Some say love is blind, I agree. I t can completely blind you to never take into consideration the financial situation of the one you love before saying “I do”.  You might think  if you love the person you should accept them with all their flaws. Well beware if your partner is not as good as managing their money or does not have a decent credit score. You could be setting yourself for financial turmoil in the relationship. Before taking the leap into marriage lay all your cards on the table. Make sure if one of you is in debt you either take care of the situation before entering into marriage or make some sort of plan on how to handle that debt.  I’ve got to admit this never crossed my  mind as a potential deal braker but the more I think about it, I don’t want to start my married life paying off someone elses debt.

- Edwin, CashTheChecks.com


Book Clubs
Oct 04 2008 Other No comments

I’ve always found it a challenge to find good books to read. What I usually do is go to Amazon and look at the best sellers in categories I’m interested in like finance or business. I spend countless hours reading the reviews before finally deciding on a book. Well there’s a better way of finding good books and that’s joining a book club.

Book clubs are a great way to save on your favorite books because you can sometimes get good deals on books if you buy from the book club. You can order books of any genre from book clubs, from mystery to romance to westerns to science fiction. Get the latest best-sellers or beloved classics for less than you’d pay in a bookstore. Anyone who enjoys reading can benefit from the savings and selection that come with book club membership.

At the book club books website, there’s several different clubs to join including ethnic book clubs or the self-help section which is my favorite.

- Edwin, CashTheChecks.com


Bad Credit Offers Review
Oct 09 2007 Other No comments

Next up is a review of Bad Credit Offers. This site is all about offers for people with bad credit. Sections on the site include: Credit Cards, Home Loans & Auto Loans.

What’s good about “Bad Credit Offers” is that they’re not trying to sell you something, rather, they’ll offer several different companies in each section (ie: to obtain your credit report, apply for a car loan). Each offer in each section is given a quick review so you can make the right decision based on your situation.

The loan services offered are for people with bad credit, which means that the companies offering these loans or credit services are already expecting bad credit customers to apply.

This post has been brought to you by Bad Credit Offers.

- Edwin, CashTheChecks.com


Hawaii Real Estate
Sep 03 2007 Other No comments

Here at Cash the Checks I’ve created a new Real Estate section. I’ll be posting resources, reviews, links and news relating to the housing market. This post will discuss a Hawaii real estate resource, http://www.adrhi.com/. They are a Hawaii real estate company that offers homes for sale on all islands, Oahu, Maui, Kauai and the Big Island.

As part of the resources in the real estate section of their site, there’s a list of all the schools, real estate tax information and home financing options. You can find resources to assist you in relocating to the islands as well.

To keep yourself updated on the latest hawaii real estate information they have a real estate blog as well, where they discuss how the hawaii home buying & selling market is doing, with up to date figures and trends.

- Edwin, CashTheChecks.com


Real Estate Resource Site
Sep 03 2007 Other No comments

There’s a new real estate resource site that’s in beta and it’s called National Relocation. This is a relocation portal with a section on Foreclosures. You can find a list of foreclosures in your county within your state. It tells you the street name along with the price of the home. As you know the best deals in real estate are foreclosures, since you’re buying from a bank and not from the previous home owner. Banks want to sell those properties ASAP to get their loan paid back.

Since this site is all about relocating, there’s another section on finding movers. You can find moving companies and get Moving Quotes near your area who can load up all your stuff and drop it off at your new home, so you won’t have to do that yourself. Finally, there’s another section on insurance so in this section you can get Insurance Quotes on all sorts of insurance topics like car, health or life insurance.

- Edwin, CashTheChecks.com


Concentric Web Hosting
Jul 28 2007 Other No comments

If you’re going to have an online business, there’s a few things you need to get started. First you need your idea and a plan. Then you need to buy the domain at a domain registrar like GoDaddy. Then you need to get your domain hosted. Now some domain registrars offer hosting as well as domains, but their service is awful as is their customer service.

If you’re looking to start a new online business, wish to give your offline business and online presence, or are looking for a better deal or better service in web hosting, then you can take a look at: Concentric hosting, a small business hosting provider. They offer shared hosting and dedicated hosting. When you go dedicated, your sites are on a server all by themselves so the sites load faster since it’s not being shared with others. They have a basic plan which starts off at $13.50 per month. This plan comes with 2,000 megs of disk space, 40gb of bandwidth, 80 email accounts, 10 domains and you even get $50 worth of credit to spend at google adwords to promote your new site.

This is a paid post.

- Edwin, CashTheChecks.com


Finding Health Insurance
Jul 28 2007 Other No comments

I decided to write this post because a lot of my readers are self employed so there’s a good chance you either don’t have health insurance or are paying for it out of your own pocket, which can get very pricey.

Here’s a site that offers you the ability to search for health insurance companies and get a Blue Cross Blue Shield quote. The way it works is you select your coverage, you get free health insurance quotes, and then you can apply online and get insured.

They have a bunch of different personal insurance types such as: Individual Health Insurance, Family Health Insurance, Health Savings Accounts, Short Term Health Insurance, Student Health Insurance, Dental Insurance, Life Insurance & Maternity Insurance.

You can also search for health insurance by the different types of health insurance plans like: Individual Plans, Group Plans, HMO Plans, PPO Plans, POS Plans, SDHP Plans, HSA Plans, Indemnity Plans & COBRA plans.

This is a paid post.

- Edwin, CashTheChecks.com


Merchant Consulting Group
Jul 27 2007 Other No comments

Merchant Consulting Group provides transaction processing solutions to merchants. It provides business owners with a wide variety of convenient products and services to better serve their customers.

Here’s a few things that Merchant Consulting Group can provide for you:

Credit Card Processing: Its point of sale payment processing enables customers to make credit and check card purchases safely and quickly. It stocks only the best and most reliable credit card machines and credit card terminals.

Gift Cards: Gift and loyalty cards are a key ingredient for success. They increase revenue, build brand awareness, and eliminate “cash-back.”

Check Processing: Process check transactions like a credit card transaction. It speed up check payments by converting paper checks into electronic checks, the funds are then quickly transferred into your account.

E-Commerce: Merchant Consulting Group provides a comprehensive range of tools that allows you to bring your business online.

Merchant Consulting Group offers a flexible array of programs for any business category. There are even special rates for a variety of businesses. You can take a look at them for your credit card processing needs.

This is a paid post.

- Edwin, CashTheChecks.com


DragonFi
Jul 06 2007 Other 3 comments

Offering a broad range of mortgage products ensures that the consumer can find the ideal solution, one that is specifically tailored to their needs. DragonFi is a direct mortgage lender, enabling them to quickly secure a new loan or refinance an existing one.

As a primary lending institution, DragonFi is uniquely positioned to assist customers. It offers one of the largest variety of loan programs at the most competitive rates. The team at DragonFi are totally dedicated to finding loan programs that completely satisfy your needs.

They take the time to understand you and your unique financial situation. There is a commitment to providing options that are tailored to meet the specific needs of each individual customer.

If you’re looking to purchase a home, refinance an existing mortgage, or open a home equity line of credit, then DragonFi is your one-stop financing shop. They pride themselves in providing great quality service to each individual customer.

The loan process is made easy. The team at DragonFi will work with you through any issues. They will explain every detail of your loan, until you are satisfied. The aim is to make the experience of financing a new or existing home loan a comfortable experience. The entire loan process is easy to manage, because DragonFi handles all the hard work.

With a focus on exceptional service, you’ll find everything you’ll need to complete the loan process in one place. You’ll also find a loan calculator and other useful information that will assist you. DragonFi’s simple loan calculator allows you to estimate payments for any fixed rate loan, according to the loan amount, interest rate, and term years.

Their mission is to provide an outstanding customer experience. DragonFi now offers great programs for home purchase, refinancing, home equity, lot loans, construction loans, and even commercial loans.

You can contact their owner William Cox at 888.88fi-fly or take a look at them at: Financing Company

This is a paid post.

- Edwin, CashTheChecks.com


Gold Star Credit
Jul 06 2007 Other No comments

The purpose of GoldStarCredit.net is clear, to give valuable personal finance help. It offers free information to assist consumers interested in obtaining credit cards, automobile loans, mortgages, and other financial products or services.

Consumers need the necessary information to help them effectively manage their personal finances. GoldStarCredit.net has a wealth of resources for consumer’s personal finance help. The topics range from basic issues to much more complex financial options.

The most basic and often misunderstood financial topic is a person’s credit score. Your credit score is a number, calculated based on information in your credit report, that lenders use to estimate how much to lend and at what interest rate.

You should know what your credit score is. To find out how to get it, or to find answers to any other question go to GoldStarCredit.net.

- Edwin, CashTheChecks.com


Coupon Chief
Jul 02 2007 Other No comments

At Coupon Chief.com, you can find thousands of coupons to online stores. These are called coupon codes or discount codes. Before I go shopping online I always make sure I can find a coupon code to use. These deals usually expire, so it’s best to have a site in your bookmarks that keeps updating the codes so you can always have a working on.

One of the places I visit is Coupon Chief, where they have Best Buy coupons. I usually buy my electronics at either Amazon or Best Buy. The reason is because I can always find coupon codes to these sites. Usually the stores have discounts, sales, free shipping, but with an extra coupon code you can really get some good savings, better than you’d find by going to the store itself.

This is a paid post.

- Edwin, CashTheChecks.com


SEO Glossary
Jul 02 2007 Other No comments

Apogee Search, an SEO Company in Austin, has created an SEO glossary for search engine marketers. The list includes detailed definitions about common search engine abbreviations such as: PPC, ROI, CPA, and CTR. It also has explanations on more rare SE terms like: bid jamming and google bowling. There’s also information on recent google updates such as the florida update and the big daddy update. This site is one of those that you add to your bookmarks and refer to whenever you happen to come across a search engine term you want defined.

This is a paid post.

- Edwin, CashTheChecks.com


Using Internet Coupons
Jun 28 2007 Other No comments

This post should be useful to Cash The Checks readers. Having more money isn’t all about making it, but also about saving it. Just like the coupons you find in your local Sunday newspaper, there’s also online coupons. They’re so easy to find too. Instead of handing someone a coupon, you type in a coupon code at checkout. Online stores typically have a place within their site for a coupon code, or promotional codes, which gives a percent or dollar amount off your purchase. If you don’t know the code, you can’t take advantage of the discount. KeepCash helps you find these secret discount codes.

The great thing about KeepCash is that they list a lot of Internet coupons and also sales on items. These are discounts you couldn’t easily find on your own. The site itself finds the sales and clearly list them for you.

It is a great resource to have. You should always check the site before making any online purchase to see if they know of a sale. KeepCash list the best deals on products in many different stores.

This is a paid post.

- Edwin, CashTheChecks.com


Secured Home Loans
Jun 27 2007 Other No comments

Are you on the lookout for a simple, secure method to access a loan? AdvanceStart.com is able to provide access to deals on financial products. They have relationships with a wide range of banks, loan companies and other specialist lenders. By not being tied to one lender, they can list a variety of products.

Secured loans are typically loans for people who own a home or other collateral. These are called secured home loans.The borrower pledges their collateral for the loan. AdvanceStart.com works with independent secured loan lenders, who search the for best deals. These loans are offered by leading UK finance specialists.

Let AdvanceStart.com help you find the best loan for you. In three simple steps you will receive loan quotes from leading lenders who will compete for your business.

You can take a look at Advance Start and their secured loans here at Secured Loans UK.

This is a paid post.

- Edwin, CashTheChecks.com


Incorporate Online
Jun 27 2007 Other No comments

The decision to incorporate depends on the needs of the business and your own. Using a business structure such as a corporation or a limited liability company can bring you many benefits. Consider the following benefits of incorporation:

* Protection of your personal assets through liability protection. A corporation exists as a separate legal entity from your personal life. Any debts are incurred by the company, not the owner.

* Saving money on your taxes. Corporate entities are taxed at more favorable rates than are individuals or unincorporated businesses.

* Raising money is easier. Corporations have an increased ability to secure loans and investors. A corporation can sell shares of the company in order to raise capital.

* Easy to transfer ownership. Ownership of a corporation can be transferred by sale of all or a portion of the stock. A business corporation’s value will be based on the business, not the owner.

In researching your incorporation options, you may have heard about the benefits of Nevada incorporation. A Nevada Corporation or LLC pays no state income taxes. Nevada also has minimal reporting and limited disclosure requirements for corporations. These are some of the reasons that Nevada is the ideal locale for headquartering your business.

www.IncParadise.com is a Nevada based incorporator. By focusing on just one jurisdiction they make the whole incorporation process as efficient as possible. They offer very competitive pricing packages. You can take a look at what they have to offer at the following link: Tennessee corporations.

This is a paid post.

- Edwin, CashTheChecks.com