So the world of low interest rates is finally starting to catch up with me. Because of the low rates over the past few years I kept applying and getting approved for every new “low rate” introductory offer available. Now a year later all the interest rates are jacked up and I really have to figure out how to get my credit cards in order, or find someone that offers 0% credit cards! The best way to keep your finances healthy and your credit card debt affordable is to do credit card comparision shopping, find the lowest rates that last longer than 3 months.

There are specific times in your life when you must seriously consider getting different types of insurance. Of course we all remember our first car and calling around to compare car insurance rates hoping to get an affordable price. When you get married that is the time to start looking into life insurance and when you finally get your first home most mortgage providers insist on home insurance. Just make sure to do all your research so you get the best value for your money.

I have finally found the solution to my mounting credit card debt. Besides cutting up and disposing of three of my five credit cards I also decided to look into getting a loan to pay them off. By getting an unsecured loan I was able to consolidate my credit cards into one payment at a much lower interest rate. If you debts are large you might have to go for a secured loan but it is still worth it because the interest savings over-time are huge! Finding the loan that is right for you can be a challenging task but if you do your research and compare loans then you should end up with much lower montly payments and a peice-of-mind.  Be sure to check around for the best rates because over the term of your loan you will end up saving a lot of money.

This past Summer I had my house painted, inside and out. What I learned from the experience is that painting is not an easy job to do. I began this project by painting one of the small upstairs bathrooms by myself. My game-plan was to paint the smaller rooms by myself and ask friends to help with the larger ones.

Needless to say, things did not proceed as planned. I had trouble painting close to the ceiling, I had trouble with the baseboards (I actually bought the wrong paint and then could not even return it). When I started calling all those great friends of mine for help I received excuse after excuse but I could not even blame them because after the mess I made of the bathroom I would not have helped someone else paint either. I ended up hiring professionals.

I have been semi-retired for almost 5 years now and was thinking about buying some type of franchise to run. My recent experience this summer got me thinking that a painting franchise might be perfect. I could hire some young hard-working painters and the marketing and advertising is my forte. After a brief web search I was able to find the perfect painting franchise opportunity I hope to be up and running by spring so if you need any painting done in the Detroit area please feel free to leave a comment with your contact information.

I can tell you from personal experience that divorce sucks. The process can be very stressful and embarrassing. The most important part of any divorce is the lawyers you choose to represent you. I went the bargain route and I paid through the nose and because my lawyer did not have the experience or expertise the proceedings ended up dragging on longer than it should have and the end result was a way bigger lawyer bill and I also got killed on child support and spousal support.

A friend in New York recently contacted me for some advice because he and his ex are heading for divorce court. I told him to plug in the search phrase New Jersey divorce lawyers and email the list to me and I would help him go through it and find a good lawyer.

Now I am not sure New Jersey attorneys are any better than the ones over here in Washington but I do know what it is like to have a bad lawyer, so I will do everything I can to save my friend from the same fate.

I have been doing business online for almost 7 years and when I first got involved with the web it was tough to find a trustworthy way of accepting online payments. Really Paypal was the only player.

I dealt with them for a few years but I always had problems because they had so many silly policies and never seemed to protect the interests of both parties in a transaction. Plus nowadays fraud is rampant with phishing and what-not. I decided a long-time ago that setting up my own merchant account was the way to go. I just did a Google search for “merchant account company” and voila, I got started quickly and effortlessly. I have been very happy ever since. I would advise anyone, that is serious about their online business to seek out a quality credit card processing company. It can really make a difference in your business success.

So, let me tell you. Being a student is a lot of fun, parties, girls, interesting classes and did I mention girls? The one thing that can really get you down is paying tuition because getting good grades is so important I don’t want to be weighed down with working too much. Getting and carrying a student loan can be a stressful experience. Consolidation of credit cards and other debts has become a popular way of managing a high debt load and it really works well as it applies to student loan consolidation. Some of the main advantages are, low fixed interest rates, no prepayment fees, no credit checks, deferment benefits and more. Even if you are a student make sure to borrow smart.