Finance

What if the best way to change your money story is to first become soul sick? Joe Versus The Volcano is a money story about soul sickness. Soul sickness is a condition brought on by selling out your authentic self for some gain. It can be money. It can be fame. It can be popularity. It can be security. Whatever it is, the price is too high.

Definition Many people will use a tax refund anticipation loan without even knowing what these types of online payday loans are and how these loans work. This is a loan that occurs when a person goes to have their income taxes prepared and have their completed tax return submitted.  Once it is submitted there is a lender that will issue a loan in the amount of the refund that the person is getting back from the government.  Once the person receives the tax refund it is used to repay the loan t...

We wrote a little bit about getting married and handling money, but we figured that we probably should clarify things a little bit. First and foremost, we’re not telling anyone not to get married. If you honestly feel in your heart that you’re ready to get married, then there’s no reason that you shouldn’t do that. It’s a matter of making sure that you’re going to be able to take care of yourself no matter what happens in life. It’s a matter of ensuring that you really do have what...

What does the hidden power of money really mean? Well, it means quite a few different things to quite a few different people. You will have plenty of people that talk endlessly about the power of hidden money without really telling you what it is. Does it really mean “hidden”, like it’s hiding in your shoe or in a strange drawer that you’ve never seen before? Not at all. It refers to the idea that money has a lot more power than we think it does. Take for example the time value of money ...

Consumer finance, consumer financing and consumer loans refer to loans in general but they also have a different meaning that has emerged over time. In US the word consumer finance refers to sub prime loans that are different from prime loans or the normal loans. Sub prime loans are those loans that are given to people with bad credit. The interest rate for such loans is very high in extreme cases and finding a loan for people with bad credit is comparatively hard and was even impossible some fi...

It is shame but at the moment many properties are at risk of being repossessed. People are finding it difficult to keep up with the repayments on their mortgages and it will put them at risk of losing their house. Mortgage companies do not like repossessing, but they will do it if they have not had mortgage repayments for a significant time period. If they repossess then it could be very difficult for the property owners. It will look very bad on their credit record and may mean that they will n...

Retirement is one of those things that people definitely don’t think about until they get older. Is that a good thing? Not at all. The truth is that the time value of money principle is very strong on some things, and retirement is definitely one of them. You definitely want to make sure that you have things taken care of rather than just sliding into a lot of problems down the road. Preparing for retirement can be complicated, but it doesn’t really have to be. The good news about starting w...

Writes off the debt you can’t afford A Debt Relief Order works by suspending your unmanageable unsecured debts – ensuring you can afford your other living costs – and then writes them off after a year if your circumstances haven’t improved enough. Costs less than bankruptcy Have you considered bankruptcy, but can’t afford the fees (up to £700)? If so, a DRO could help. All it costs is a one-off application fee of £90, which can be paid in instalments if necessary. No need to attend c...

A lot of people are being discouraged lately by bad feedback about making PPI claims. They chose to just charge everything to experience and not do anything without realising they could be owed thousands of pounds in reimbursement and compensation. It is not encouraged to do that especially during financial crisis times. The amount of money that could be returned to you by the bank who sold you PPI can save you from being broke. If you happen to have been wrongly signed up to PPI when you took o...

One of the biggest challenges we face in this new age if technology and instant communication is identity theft. Unscrupulous people are always trying to get your name, your social security number and your birthday. Once they have that information they can apply for credit under your name. Other identity thefts will even try to get your bank account information and PIN number or your credit card information and use that also. If this situation happens to you there are a number of things you shou...