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Mark Riddix

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Remember the days when you had to pay for personal finance information. You had to buy books, magazines, and financial publications for access to financial strategies. Even personal finance software applications charged money to help individuals structure a budget and plan their expenses. Programs like Quicken and MSN Money charged $39.95 and up to its customers. Today, you no longer have to pay for lots of personal finance information. There are a ton of free sites available on the Internet. You…

Everyone is down on real estates. Construction companies, analysts, and home sellers are all pessimistic about the outlook for the housing sector. They have good reason to be negative based on all of the information that keeps coming in. Many homeowners are still upside down, prices are dropping, and foreclosures are so. How can you invest based on these trends? It’s time to be a contrarian and start buying real estate. That’s right! This is…

I was recently reading a CNN Money article on the financial outlook of men versus women. The author found that women tend to be more optimistic than men about their financial future. It got me thinking as to what other differences exist between men and women when it comes to there finances. Here are a few examples of when it would pay for men to think more like women. Women are better planners. Women get…

Financial markets have been turbulent throughout the entire year. The Dow is up 500 points one week and drops 500 points the next. Real estate prices are still in the toilet as homeowners wait for a recovery. The bond markets are surging as investors appetite for buying debt has returned. So, what can you do to navigate these topsy turvy markets? Here are 5 moves that you should make right now. 1. Buy Real Estate.…

Who says that you have to spend a bunch of dough to have a good time? Lots of people wreck their budgets by overspending on entertainment. You can have a great time with your family and friends without blowing your budget. All it takes is a little planning and an open mind to trim your entertainment expenses. Here are 5 easy ways to save money on entertainment. 1. Check out the local attractions. Look for…

In order to make back the money lost by the Credit Card Act of 2009, credit card companies are trying new tricks to raise money. At a time when consumers are trying everything possible to get out of debt, credit card companies are doing everything possible to keep them in debt. In order to protect yourself from these shady practices, you have to know your rights under the law. Here are 3 new ways that…

You don’t always have to pay the listed price on many items. The larger the purchase price, the bigger the discount that you can get. Here are 4 items that you should never pay full price for. Your Car Car dealerships will try to get you to pay as close to MSRP as possible. Nobody should ever pay the manufacturer’s suggested retail price. The sticker price is also known as “the sucker price”. Auto dealers…

[ad#Content 300×250]There are tons of articles and posts written on the best jobs to have in the future. Most articles however fail to mention the worst jobs to have over the next decade. Picking the wrong job can result in a lot of heartache and aggravation. These jobs require long hours, little pay, lots of stress, and have poor prospects for growth. Here are 5 careers to stay away from. 1. Lumberjack According to numerous…

Are you looking for solutions to help you clean up your credit? Improving your credit score may take time but it does not have to be difficult by any means. Today, I am going to take a look at how to get your accounts out of collections so you can get back on the track to building good credit. Here is my 5 step plan for eliminating old debts and improving your credit score. 1.…

Last week Congress passed the Financial Reform Bill with 60 votes. The bill is expected to be signed into law. While this bill has many repercussions for big banking institutions such as regulating derivatives and bank transactions; it will also have a big effect on individuals as well. Here are 5 ways that the financial reform bill will benefit you. No More Liar Loans Financial reform means the end of all liar loans. Liar loans…

Everyone is always looking for ways to increase their savings and decrease their bills. One of the ways to trim the fat out of your budget is by decreasing your automobile insurance payments. You can trim hundreds of dollars annually from your premiums by following these 5 simple tips. 1. Increase your deductible. One of the easiest ways to save money on your auto policy is to increase your deductible. Raise your deductible to $1,000.…

Millions of Americans are racked with debt. Credit cards, auto loans, and personal loans are the biggest culprits for placing individuals in a financial stranglehold. These individuals often want quick solutions to make their debt troubles disappear. In trying to alleviate their debt woes, they often take a bad situation and make it much worse by turning to the wrong financial products. Here are a few of the financial products that may be more trouble…

Are you tired of getting ripped off by your old bank? Are you looking to maximize the return on your savings account? If so, then keep reading! We have scoured the web to bring you the best interest rates possible for your savings account (Best Online Banks for Savings Accounts). Everbank Everbank is paying new accountholders a 2.25% introductory rate for opening up a YieldPledge Money Market Account. This rate will last for 3 months…

Summer is finally here!  Are you dreaming of relaxing by the ocean at a warm sunny beach? Summer vacations are getaways that everyone looks forward to all year long. One of the best ways to make sure that you enjoy your summer getaway is by planning in advance as to how to save money on your vacation. Simple things like booking your ticket online or traveling during the right day of the week can save…

Today I want to talk about the four letter word that we all hate, DEBT! Debt is the enemy of building wealth and can rob you of your financial dreams. Too many Americans find themselves unable to enjoy life because of debt problems. Today we want to take a look at a 4 step approach to eradicating debt. Follow these 4 steps and your debt free dreams can come true. 1. Organize your debts. The…

Predatory lenders have been working to find new ways to rob you of your heard earned cash. They develop financial products with large upfront fees that will keep you coming back to them for years. These types of financial products are called money robbers. You think that these products are helping you but many of them are robbing you of your money.   Prepaid Debit Cards Prepaid debit cards are the fastest growing products in the…

Once again banks are sticking it to their customers with new fees. Commercial banks are trying everyway possible to make up for lost overdraft fee income.  One of the new tactics that banks are trying is to abolish free checking and to hit their already cash strapped customers with account service charges. Beginning July 1st customers will have to pay for everything from checks and paper statements to fees for not using their debit card…

I know it may seem far fetched to believe that spending $499 could actually save you money but this just may be the case! For the tech aficionado who already owns a bunch of gadgets, buying an iPad may not make much financial sense. But for the average person trying to play catch up to the digital age, forking over the $499 to buy an iPad may actually be a wise investment. Since the iPad…

Financial experts often stress the importance of making the right financial decisions. However, it is equally important to know what financial mistakes to avoid. Too often people make financial mistakes that cost them valuable time and money. These financial blunders can go a long way towards taking you off the path to financial success. Be sure to avoid the following financial blunders that may be costing you more money than you realize. 1. Spending too…