http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner?cid=exrss-San-Diego-Personal-Finance-Examiner en-us Mon, 23 Nov 2009 11:52:00 -0700 Wed, 05 Aug 2009 10:03:33 -0700 BlogCFC http://blogs.law.harvard.edu/tech/rss http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m9d24-How-to-reduce-monthly-expenses?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereAs we tighten our belts during the recession, many of us are looking at opportunities to reduce monthly expenses. In this article, we will address some effective ways to do just that.First, if you are not using coup... Wed, 05 Aug 2009 10:03:33 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m9d22-How-to-reduce-monthly-expenses?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m7d25-Home-buying-without-a-bank?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereCredit remains tight. Lending has returned to qualifications that mirror other recessed economic times. It is very difficult to qualify for a mortgage loan if you don’t have a 20% down payment and a good credi... Sat, 25 Jul 2009 10:52:35 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m7d25-Home-buying-without-a-bank?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m7d10-When-can-creditors-call-debtors?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereIn identifying when creditors can call consumers, we have to look at an act passed by Congress. The act is FDCPA(1), which stands for Fair Debt Collection Practices Act. You can Google it. Just type in FDCPA, if you... Fri, 10 Jul 2009 17:06:26 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m7d10-When-can-creditors-call-debtors?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m6d27-Knowledge-is-power?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereNow is the time! It is the time to schedule an appointment with yourself to review the state of your finances. If you are married, invite your spouse to the appointment. It is time to come face-to-face with yourself... Sat, 27 Jun 2009 13:36:22 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m6d27-Knowledge-is-power?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m6d22-Credit-card-company-updates?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereThrough the years, consumers who were experiencing financial difficulty could contact credit card companies directly.Once consumers got to the credit/collections department, income & expense data were revie... Mon, 22 Jun 2009 12:59:47 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m6d22-Credit-card-company-updates?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m6d11-Purchase-New-Car-or-Used?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit herePurchasing a car can be an analytical, cerebral, practical, emotional or material decision-making process. So many models, so many choices. All the while knowing that vehicles are a depreciable asset and therefore a... Thu, 11 Jun 2009 16:44:14 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m8d12-Purchase-New-Car-or-Used?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m8d5-Buy-or-lease-vehicles?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereMost of us have a strong desire for the latest and greatest vehicle on the road. Only one problem: they cost so much who can afford one? All of us in the middle-income bracket go through the dilemma of buy or lease ... Mon, 01 Jun 2009 11:39:33 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m6d1-Buy-or-lease-vehicles?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m5d13-How-much-money-and-how-long-will-it-take-to-repay-a-purchase?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereWhen we obtain a mortgage loan or car loan there is a definitive disclosure of the terms. Terms such as the interest rate, payment amount, and number of payments you make until the loan is paid in full. For example,... Wed, 13 May 2009 15:36:10 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m5d13-How-much-money-and-how-long-will-it-take-to-repay-a-purchase?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d24-Save-a-thousand?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereMany people ask me how they can save money for vacations without having to make deep sacrifices or huge changes in their financial lives.Here is a plan to pay for a vacation that only requires a small life change.Fi... Fri, 24 Apr 2009 14:35:10 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d24-Save-a-thousand?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d20-Financial-attitude?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereWe are responsible for ourselves financially. We have heard it. We have done it. For some of us it is hard to do in this economic environment.What a frightening, grown-up thought that is for many of us; taking respo... Mon, 20 Apr 2009 15:27:52 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d20-Financial-attitude?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d9-Recession-strategies?cid=exrss-San-Diego-Personal-Finance-Examiner Well it is here: that ugly- headed monster – Recession. Many of us are looking for deals or savings or new strategies to enjoy life, but to do it for fewer dollars. This article will provide you with some practical ideas.As I look for local opp... Thu, 09 Apr 2009 16:30:14 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d9-Recession-strategies?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d3-Financial-Responsibility?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit here“Financial responsibility” those are some words that are sometimes difficult to understand and interpret. With our economy in disarray, high unemployment, and declining real estate values, many of u... Fri, 03 Apr 2009 14:39:43 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m4d3-Financial-Responsibility?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m3d19-Signs-of-the-ending-of-a-recession?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereHow will we know when the economy has hit bottom and is starting to turn upward? Here are several key indicators to watch which give us an indicator when the slow process is moving forward.1) – Historically, a... Thu, 19 Mar 2009 13:18:19 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m3d19-Signs-of-the-ending-of-a-recession?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m3d18-Sales-tax-increases-are-coming?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereThe state of California, in an effort to bolster income for our state’s woeful economic condition, has passed some new laws that will affect every one of us. Below you will find a couple of new laws and their ... Wed, 18 Mar 2009 18:08:04 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m3d18-Sales-tax-increases-are-coming?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m3d11-Mortgage-modification?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereThere is so much news and buzz about mortgage modifications, refinances, and other options that most consumers are at a loss of what action to take.Recently, I came across information from Housing and Urban Developm... Wed, 11 Mar 2009 11:43:38 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m3d11-Mortgage-modification?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d25-How-much-did-I-save?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereYou just stepped into the department store. You have always wanted a pair of designer jeans. There they are right in front of you. Not only are they staring back at you; they are on sale. Normal price for the jeans ... Wed, 25 Feb 2009 22:23:16 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d25-How-much-did-I-save?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d24-Solving-financial-emotions?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereMany of us have been told that we need to solve our financial problems. There are TV shows and books on getting our finances in order. Self-help books on creating a Spending Plan (Budget) are on lots of bookstore sh... Tue, 24 Feb 2009 13:06:33 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d24-Solving-financial-emotions?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d20-Where-do-I-invest-education-money-for-children-and-grandchildren?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereWith the state of the economy and stock market investments that have been racked, where do we invest education money for our children and grandchildren?Now that the stock market has broken through support that was e... Fri, 20 Feb 2009 14:27:07 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d20-Where-do-I-invest-education-money-for-children-and-grandchildren?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d19-California-comsumer-protection-laws?cid=exrss-San-Diego-Personal-Finance-Examiner Insert photo caption or credit hereThere are several worthwhile Consumer protection laws taking effective Jan. 1st, 2009, in California. We are thankful for these new laws and hope more will follow that will benefit consumers, especially in the credi... Thu, 19 Feb 2009 11:06:44 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d19-California-comsumer-protection-laws?cid=exrss-San-Diego-Personal-Finance-Examiner http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d17-Valentines-Day-memories?cid=exrss-San-Diego-Personal-Finance-Examiner  Well it is over for another year. Another created holiday. Yet another opportunity for us to lose our financial heads and get all wrapped up with overspending to show the love of our life how very much we truly do love him/her. At least, that i... Tue, 17 Feb 2009 09:05:21 -0700 http://www.examiner.com/x-3405-San-Diego-Personal-Finance-Examiner~y2009m2d17-Valentines-Day-memories?cid=exrss-San-Diego-Personal-Finance-Examiner