Saturday, December 26, 2009

Buy a House with New Stimulus Rules

buy house new stimulus rules
Buy a house now with the new stimulus rules, and take advantage of the rebate on taxes as well as help yourself and the American economy.

Learn the guidelines and see if you can qualify for Stimulus funds. The rules changed so that not just first-time homeowners are eligible. You may be able to qualify under the new rules, even if you could not qualify under the old Stimulus rules.

We have written an article on how to buy a house with the new Stimulus rules that you might use for guidelines. It also has links to legislation information.

Here is the URL in case the link does not work for you:

Now may be the time for you to buy a house. Check the rules before you decide.

Have a great week!


Sunday, December 20, 2009

New Credit Card Rules Take Effect Soon

new credit card rules
Credit card rules are changing, and many of the credit card companies have been making new rules and terms of service to adjust to the regulations passed by Congress last year.

Many of the new regulations take effect in February 2010, and will be to your benefit. For example, the credit card companies will be required to let the user opt out of an over limit charge to keep the credit card within the pre-set limit.

Don't play around like a puppy. Know where to find the new rules and use them to your advantage.

Much of what we are seeing recently is a lowering of the limits and an increase in the minimum payment. The credit card companies are required to give 45 days notice on any changes to rates, so you can possibly pay off the card or change companies. Any rate increase much have an option to cancel that is not a default. The companies can freeze a limit at the current rate, but you do not have to accept continuing rate increases from the credit card companies.

We have written an article on how to find the new credit card rules
with links and details to help you get a grip on your credit cards for the new year.

Here is the URL to copy and paste in case the link does not work for you.

This is new legislation enacted to help the American consumer. Take advantage of it by knowing your options.

Happy Holidays!


Thursday, December 17, 2009

Dispose of Prescription Drugs Safely

dispose of prescription drugs safely
When we think of disposing of prescription drugs, we usually are concerned that small children will not find them. Some drugs are more dangerous than just to kids--they are hazardous to the environment. There are guidelines for disposal of prescriptions so they will not affect the drinking water or the soil.

There are three basic groups of drugs to consider when sorting your medicine cabinet. Some drugs are disposable in the garbage, but some of the inhalers and sprays are not safe for incineration and need to be separated. The opiates are the drugs that are most dangerous to the environment, and there are guidelines from the FDA for their disposal.

You probably think you don't have any opiates, but drugs like Oxycontin, Fentanyl, and Percodan are in most medicine chests, and these need special disposal techniques.

We have written an article on how to dispose of prescription drugs safely
and are pleased to share the FDA website link and other information we have learned in researching this topic.

We hope you find this helpful, and that we can all keep the environment safe for our grandchildren. Don't let your garden grow on drugs from the garbage. Dispose of prescription drugs safely.

Here is the URL in case the link does not work for you.

See you soon. Hope you are in the holiday spirit!


Saturday, December 12, 2009

Driving an Automobile: What the Driving School Forgot

driving automobile driving school forgot
We all think we are good drivers, and that we do not need someone to tell us something we already know, but from what I see every day, there are a few concepts that are missed in the driving schools.

The double turn lane is one we see in Texas that is a constant source of near-accidents, and the dog-leg is another one that is not taught in driving school. Some states have recently changed the rules on coming up on a police officer stopped along the side of the road, and removing a vehicle after an accident.

Do you know the rules for these issues before you come upon them while driving? We have written an article about what the driving school forgot that may help you in the future. Don't wait until you need the information. You cannot read it while driving.

Here is the URL to copy and paste in case the link does not work for you.

Best wishes to you for the Holidays!

See you soon.


Wednesday, December 9, 2009

Find Help with your Debts, but Avoid Debt Settlement Firms

find help with debts avoid debt settlement firmsIf you owe more than you can pay, you are looking for help with your debts. Watch for chameleons in the debt settlement business, since they are always available to take some more of your money, when you do not have any to spare.

You can avoid the debt settlement firms and still make significant headway with your indebtedness if you know how. There are companies out there that will give you free advice and allow you to do the work. That is usually the better way to get your debts settled.

Consumer Credit Counseling has a good reputation with the BBB. They will give you some ideas and help, and you can contact the creditors.

We have written an article on steps to follow to get debt reduction on your own, and how to use contacts with your creditors to your advantage.

Here is the URL in case the link does not work for you.

We hope this is helpful in your efforts to reduce indebtedness and pay your bills. Debt settlement is something you can do on your own, and save the fees the debt settlement firms charge.

See you soon!


Saturday, December 5, 2009

How to Pay Bills with Job Loss

pay bills job loss
How will you pay your bills if you lose your job? Most of us are only a few months from bankruptcy, and some of us have learned how to manage on little, but one of the things we have noticed is that people do not know how to pay the bills.

Do you know how to pay your bills if you have lost your job? What will you do with the little amount of money you have remaining? Will you pay your house payment first? Most people do, but that is not the recommended way to manage with a job loss.

Because your mortgage takes at least ninety days in default to really affect you, and because banks are more lenient than they have been in the past, do not pay the mortgage payment if you do not have enough money to pay everything.

If you rent, remember that it takes at least thirty days notice to evict you in most states, so be sure to pay the UTILITIES first so you can stay in the house or apartment as long as possible.

We have written an article on how to pay bills when sinking fast.

We hope this is helpful and that it will keep a shelter over your head and utilities on until you find a new source of income.

Here is the URL for the article if the link does not work for you. Just put this in the box at the top of the page to read the article.

See you soon!


Wednesday, December 2, 2009

Keep Your Job in this Economy

keep job in economy
If you have a job and would like to keep it, there are some ways you can help yourself. Your career is more important than any short-term issue that may arise, so while the economy is down and there are employees waiting in line for your position, you really do not want to mess up.

Help yourself by being a good employee. Here are some tips to help you keep a job in this economy.

If the link does not work, here is one you can copy and put in the browser.

Best of luck in keeping your job. We hope this will help!