5 Financial tips for the last week of February 2012
News from Online News Today:

The 5 Financial tips for the last week of February are given below:

Tip no 1 – Take advantage of alternative work schedules such as flextime and telecommuting when you’re a single parent.

If you’re a single mom or dad, then it might be hard for you to manage your office and children. Your job helps you earn your bread and butter. On the other hand, your children are your life. You can’t leave or ignore them. You need to devote extra time to them. This is why it is better to take advantage of alternative work schedules such as flextime and telecommuting. You can look after your child’s studies while telecommuting with your co-workers. Your work won’t suffer just for staying with your children at home.

Tip no 2 – Know the FDCPA in order to save yourself from harassment by debt collectors.

The job of the debt collectors is to collect money from the consumers. They can do anything to do their job. They can bully you to get their job done. However, this does mean that you’ll have to put up with their illegal tactics. You can go through the FDCPA (Fair Debt Collection Practices Act) laws to know about the collection laws. The debt collectors are required to follow these laws while collecting money from the consumers. If you find that the collectors are…………… continues on Online News Today

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6 tips to manage your financial problems
News from Rediff:

Six issues affecting your financial management and their possible solutions.

Most of today’s problems are yesterday’s challenges overlooked. It is always considered a wise thing to perceive problems before they arise and attend to them at the earliest. By doing so, you will be spared the trouble you may have to undergo later. Here are few pointers to assist you in identifying the problems related to your spending and saving patterns.

1. Potential problems related to your spending habits

a. You are finding it difficult to repay your debts.

Potential problem: You decided to splurge your salary and went ahead purchasing everything you ever wanted on monthly installments and did the rest of the shopping on your credit card. A few months later, you came to terms with reality: you are in no position to service all your debts.

Possible solution: You must take into consideration the fact that all your loans combined should not go beyond 30 to 40 per cent of your salary. It is imperative that you bore this fact in your mind before taking any new debt.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the director and chief financial planner of Holistic Investment Planners (www.holisticinvest…………… continues on Rediff

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