• By Odysseas Papadimitriou


    Despite the fact that so many Americans have first-hand experience with credit card delinquency, it is actually mismanaged on a regular basis. Whether it's because they don't have the money or they're simply unsure of how to respond like a deer in a car's headlights, many consumers simply let their bills pile up around them, unopened. This is a key mistake because delaying action and ignoring the problem are the exact worst things you can do when it comes to credit card delinquency. Such principles become clear when you gain a firmer grasp of what delinquency actually is.

    Delinquency merely denotes how late you are on your credit card payments. Credit card companies place you within different delinquency levels depending on how many days past due your payments are, and whether or not you move further into delinquency depends on how you approach your payments.

    The first thing you must realize in actually combating delinquency is that payments

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  • No small change! These four things can really dig into your budget.No small change! These four things can really dig into your budget.If you're renting a home, you may want to watch your wallet. In the 12-month period that ended June 30, U.S. rental prices rose an average of 5.4%. According to CNN Money, increased costs can be attributed to demand from former homeowners displaced by foreclosure and potential homebuyers who failed to qualify for mortgages.
    AND SOME GOOD NEWS: With mortgage rates at a record low and home prices decreasing, now is a good time to consider buying a home instead of continuing to rent. If you're not ready to take the plunge and buy a home just yet, a new job could help make paying rent a little less of a financial burden. While it's not exactly wonderful, the job market did perk up last month. Claims for unemployment benefits fell, fewer individuals were laid off, and private businesses added 176,00 jobs in June.

    This year, it's more expensive to own and operate a vehicle than it was last year. AAA recently released their 2011 Your Driving Costs report, which found that the cost of owning

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  • By Nici Perreault, GalTime.com

    Up until recently, if you wanted to read a book, you simply borrowed or bought it. The book itself had a spine, binding, and paper pages. Fast forward a few years and times have changed. With all the advances in technology, it seems like everything has a screen and a wireless connection... including books.

    In the past few years, the eReader industry has exploded. There's a wide change of possibilities out there. But which eReader is right for you? Here are some tips from Phillip Chipping, Owner of Knowonder!, a leading publisher of content for kids. According to Chipping, there are three main choices.

    3 Main eReaders

    1. Apple iPad: The iPad is the most expensive option, starting at $399. With the extra expense comes the ability to hold more apps, movies, books, music and more.

    2. Amazon Kindle: The Kindle is a good choice for people who don't want/need a tablet to do all the "gadget stuff." There are three models: the Kindle, the

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  		• Aries (March 21 - April 19)
    Think you've got things all figured out? That's just when life decides to throw you a curve ball. If you haven't learned this lesson yet, you will today. Get ready for anything, because the moment you relax into your game is the moment things fly in all directions.

    Today's Aries Reading: Free Sample Chinese Luck Prosperity and Longevity Reading


    		Taurus (April 20 - May 20)
    If ever there was a time to try something out of the ordinary, this is it. The next big thing is right under your nose -- don't be afraid to reach for it! If you keep betting on what has a track record, you'll never break free of the pack.

    Today's Taurus Reading: Free Sample Chakra Reading


    		Gemini (May 21 - June 21)
    You can slice the pie as many times as is necessary to serve everybody, but eventually no one will get more
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  • In these days of economic hardship, many families are discovering they need to go without many of the products and services they've accepted as necessities. But foreclosed homes and loss of job income promise a future of yet more austerity measures.

    To survive in today's economic climate, everyone needs to save more and cut back. While cutting back on expensive jewelry and trendy fashions are the first to go, most of financial hardships comes from things we take for granted.

    Read - The Importance Of Saving For The Future

    Credit Cards

    The average family carries upwards of 17 credit cards. This amounts to a great deal of debt. While interest rates have not gone down with the slowdown of the economy, few families today can afford to carry this many cards. The interest alone can make purchases far more expenses than the sticker price. The main purpose of a credit card is to pay for emergencies and items that can be paid off in full when the bill arrives. To save more,

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  • Running BusinessRunning BusinessThe average person may never have to appease shareholders, appear before a congressional panel or pull the trigger on massive layoffs. But how CEOs handle success, adversity and all manner of corporate curveballs does offer some insight for the working men and women who may never be household names.

    Here are 5 chief executives and the lessons their leadership can offer the average business owner, employee or entrepreneur.

    1. Steve Ballmer, CEO, Microsoft

    Be irrepressible. "No. 1, great ideas matter. No. 2, find passion. And No. 3, be tenacious, be irrepressible. Microsoft was founded on a single good idea that Bill Gates and Paul Allen had that nobody else had had."

    Plus---Top 6 Lessons Learned From Bad Bosses

    2. Alan Mulally, CEO, Ford

    Thrive in the face of adversity; fortune favors the bold. To say that the last few years were not kind to the auto industry is a massive understatement. The iconic Ford brand, like its competitors, was in dire straits. Today,

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  • by Alexandra Pauline - July 5th, 2012
    women investing

    IP - Whoa!

    Even if you don't know the first thing about the stock market, chances are you got a bit more curious after Facebook's recent IPO. But do you really have any idea what an IPO is? Better brush up now - someday it just might be YOUR company that's "going public!"

    So, What Is An IPO?

    The term IPO stands for "Initial Public Offering." So, what exactly are they "offering?" They are offering (aka selling) equity (akastocks-trading4-290x193 stock) in their company to the public for the first time (that's where the "initial" comes in). Prior to a public offering, a company is "privately held." So, after an IPO a private company becomes a public company. There are a lot of cooks in the kitchen when it comes to taking a company public, some have strange names like...

    The Underwriters

    The term "underwriter" or "syndicate" always sounds a little sinister to me! And if you followed the recent Facebook IPO drama, their lead underwriter, Morgan Stanley, was Read More »

  • The Big Business of Divorce

    By | Work + Money – Thu, Jul 5, 2012 5:16 PM EDT

    By Brian A. Shactman, CNBC.com

    Every year in the United States, there are one million divorces. In many respects, that's two million people beginning life anew.

    What's more, about 67 percent of second marriages end in divorce, and the percentage is even worse for third marriages.

    The need for everything - from lawyers to therapists to movers - is astounding. As morbid as it may sound, in the business world, that would be considered a big market.

    "If you think about the bridal industry, it's a $2 billion industry," said Francine Baras, co-founder of Start Over Smart, an expo business that brings together services for the newly divorced. "No one has a number for the amount of money that is probably in the divorce industry.

    [Related: World's Biggest Divorce Settlements]

    "And not only is the market underserved, it has not actually been looked at as a niche."
    Until now.

    Businesses want to serve this consumer need, but do it without amplifying the label of "divorce", which still

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  		• Aries (March 21 - April 19)
    You may find yourself in a petulant mood today. Don't act on it! You can't push back from the table and sit with your arms crossed -- at least not if you want to accomplish anything. And you can't afford not to, now can you?

    Today's Aries Reading: Free Sample Intimacy Secrets Reading


    		Taurus (April 20 - May 20)
    Your more conservative side wants to play it safe, as usual. But your more radical side is the one reaching for the wallet! You can't help but feel like Dr. Jekyll and Mr. Hyde, and it's not much fun being pulled in opposite directions.

    Today's Taurus Reading: Free Sample Priority Shuffle Tarot Reading


    		Gemini (May 21 - June 21)
    Someone you think you know well seems like a stranger to you today. What they spend their money on baffles you -- something as simple as a pink laptop skin
    Read More »

  • 25 Products Made in the USA

    By | Work + Money – Thu, Jul 5, 2012 12:27 PM EDT

    By Nici Perrreault, GalTime.com

    Consumers can choose American-made goods

    Even though we live in a global marketplace, there are still many companies that manufacture products right here in the USA.

    As we celebrate our nation's birthday, take pride in our country, and consider buying American made goods. It's a great way to support American workers and companies. From fashion forward jeans to delectable chocolate... there are all sorts of items made right here in the USA. Here's a list of just a few.

    25 Products Made in the USA

    1. AG Jeans

    2. American Apparel Clothing

    3. Annie's Food Products

    4. Blue Bell Ice Cream

    5. Burt's Bees Products

    6. Cabot Creamery Products

    7. Colonial Candles

    8. Cutco Knives

    9. Ghiradelli Chocolates

    10. Hebert Candies

    11. Jack Rogers Sandals

    12. J Brand Apparel

    13. Kitchen Aid Mixers

    14. LL Bean Boat & Tote

    15. Nalgene Water Bottles

    16. Necco Wafers

    17. New Balance Shoes Style

    Read More »

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