Archive for January, 2010

Stretch Your Food Dollar: Making a Meal Plan


09 Jan 2010

I recently had dinner with a friend who asked me if I could teach her how to cook. She and her husband eat out every night because neither one of them knows how to cook, and it’s really taking its toll on their budget. “I need to know how to cook cheap, healthy food, and it has to be easy.” I think it’s great that she has specific goals in mind, and I’m really excited to help her achieve them.

One of the first things to consider when you are learning how to cook is making a meal plan. A healthy meal has three components: protein, starch (aka “carbs”), and fruits/vegetables. If you think of your dinner plate as a map, half of your plate should consist of fruits/vegetables, and the other half is equally divided between protein and starch.

I know that many of us are avoiding carbs like the plague, but complex carbohydrates really are the cornerstone of a healthy diet. The key to carbs in picking whole grains. For instance, brown rice is healthy than white rice. Sweet potatoe

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Are There Any Subprime Mortgage Lenders Left?


09 Jan 2010

I have spent hours searching online and have come up with zip. If you have bad credit, home loans seem to be out of your reach right now. Any search of sub-prime mortgages, bad credit mortgages, high risk mortgages, home loans for people with bad credit, or bad credit refinance comes up empty these days. But you still might have some options.

Hard money lenders are popping up to take up some of the slack created by the exit of most subprime lenders from the marketplace.

What Is a Hard Money Lender?

A  hard money lender is any person or group of people who has money available for investment, usually in real estate.  The amount of money available varies, and so does the criteria for lending. Loans available from hard money lenders are usually short-term, though, so you’d want to improve your credit rating as quickly as possible so that you can eventually refinance with traditional financing.

Despite its name,  “hard money” isn’t that hard to find. The terms, however, are ugly–toad-on-a-birthday-cake ugly! The financin

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Virgin bank accounts ‘would offer more choice’


08 Jan 2010

Virgin plans to launch a range of bank accounts. The anticipated launch of new bank accounts under the Virgin Money brand should help to improve choice for consumers, watchdog Which? has said.

Virgin Money announced today (January 8th) that it has acquired Yeovil-based bank Church House Trust for £12.3m and aims to use it as a platform from which to develop “a retail banking business in the UK, offering a full range of products to consumers”.

Jayne Anne Gadhia, chief executive of Virgin Money, claimed that the reputation of many UK banks had been “tarnished” by the financial crisis.

She said that the new bank would provide “a better, different form of banking to its customers, increasing competition in the sector” and offering “good value to customers”.

Sir Richard Branson, who founded the Virgin group, added that he hoped to bring “simplicity” to the UK’s banking market.

Commenting on the move, Which? chief executive Peter Vicary-Smith observed that consumers would benefit from the launch of new bank accounts.

“There’s a definite appetite for switching accounts if people feel they’ve been badly treated by their bank,” he claimed. Full Article…

UNUM Policyholder – We Win on Appeal, Lifetime Benefits Are Reinstated


06 Jan 2010

A New Jersey doctor has been on residual disability with UNUM for over ten years as a result of a sickness that limited his ability to practice as an obstetrician/gynecologist. The language of his UNUM policy states that if he becomes totally disabled before age 65 because of an Injury, UNUM must pay benefits for the rest of his life.

Almost immediately prior to turning 65 the doctor became totally disabled based upon bi-lateral carpal tunnel syndrome. We immediately notified UNUM that the doctor was unable to perform any of the material and substantial duties of his occupation because he was totally disabled based upon an injury.

Not surprisingly, UNUM stopped paying benefits at age 65, stating that he was not totally disabled and furthermore, that carpel tunnel syndrome was not an injury.

Once again, a disability insurance company is trying to stop making payments. At over $20,000 a month, the doctor, has already received more than $2.4 million in benefits, based upon a sickness – not payable for lifetime benefits.

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Does Your Attitude Determine Your Financial Outcome?


06 Jan 2010

It’s the New Year, and many of us are making resolutions for 2010. My 2010 goals are very similar to last year, but I’ve added some new goals, too:

  • Track all my expenses
  • Spend $350 a month or less on food
  • Put $200 a month in savings
  • Try one new recipe each week
  • Write every day
  • Read every day
  • Meet my goal weight of 165
  • Practice daily spirituality

The goal of putting more money into savings is going to be a challenge, but it’s a challenge that I am excited to meet.  It will mean slashing our entertainment expenses and keeping our utility costs in check, but I would much rather see our money going into savings than into the coffers of the electric company.

The first book that I am reading for the new year is Dan Brown’s The Lost Symbol. The book has a lot of information in it about the belief that your thoughts can literally effect the outcome of events. Although the book is fictional, it has a basis in reality. A few ye

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Mexico Romantic Activities for Couples!


05 Jan 2010

Whether visiting Mexico to celebrate an anniversary, ask your loved one to marry you for the first time or all over again, or as a surprise weekend getaway, there are multiple opportunities for couples to enjoy each other’s company. Depending on time of year, activity preference and location visiting, couples can choose from a variety of indoor and outdoor activities.

Mexico travel gurus strongly suggest you purchase Mexican automobile insurance. before your travel begins. Buying Mexican Insurance online allows you to make sure you get the policy you need at the best possible price. In addition, you can print your policy immediately, so there’s no question as to whether or not youre covered. Review and compare Mexican Car Insurance for comprehensive, reliable Car Insurance for Mexico which is vital.

Before reserving a hotel, inquire if the hotel offers a romance package. This can be as simple as a bottle of champagne and a delivery of roses, to a package that includes massages, meals and indoor/outdoor activity tickets.

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Lessons from a New Industry Cluster in India


05 Jan 2010

For government officials and planning consultants looking to create regional economic growth and drive innovation, industry clusters are the Holy Grail. Popularized by Harvard professor Michael Porter in the early 1990s, cluster theory holds that a government or economic development body can create a viable hub of economic activity in a specific industrial sector by bringing in businesses, suppliers, researchers, and additional related people or entities. In other words, a focused governmental effort can create something from nothing, turning, for example, a fallow field into a tech park bursting with highly competitive, innovative companies. Governments all over the world have invested millions—sometimes billions—of dollars to attract industries they consider strategic.

The trouble is that clusters engineered from the top down don’t usually work. I am hard-pressed to find a single example that has proven an unqualified success because of government intervention or the advice provided by economic development experts. The

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How Bad Debt Management Can Really Hurt You.


05 Jan 2010

How Bad Debt Management Can Really Hurt You.

Posted on | January 5, 2010 |

Many people realize too late that they have a problem managing their money. This epiphany usually comes when a 5 figure credit card bill is staring them in the face. It happened to me, and it can happen to you. I was lucky in that mine was a low 5 figure amount, and I had the income to pay it off myself with some belt tightening and 0% balance transfer offers from another credit card company.

But not everyone is so fortunate.

Many people have no where else to turn but to a debt management agency. The main problem with doing so is that they end up going to a debt settlement agency instead.

What’s the difference between debt settlement and debt management?

Ah, a fine question – and as it turns out, a very important one to ask.

A debt management company will begin making payments directly to your creditors immediately upon hiring them, while working with you to develop a budget to affordably pay back the entire amount you owe.

A good debt settlement company will work with your creditors to forgive a certain amount of your outstanding debt and work with you to pay off the remainder over time through regular payments you can afford.

A bad debt settlement company will charge you excessive fees, while placing your income and assets at legal risk and leave you owing almost as much in the end as you did in the beginning. H

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