May 14th, 2008 — , Financial Education from Tom Tolman @ Social Lending Blog - Lending Club
Your credit score is the most important factor in determining what rate you will pay when you borrow money. Your credit score, quite simply, could cost or save you hundreds or thousands of dollars a year, depending on how much debt you have.
Lenders view your credit score as a representation of your creditworthiness or [...]
Online Stores Related Websites - Restore Your FICO Score – Part Two In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on......
- Are Your Finances a Wreck? As the housing crisis worsens and the economy looks increasingly weak, most Americans are facing the reality that their finances are in a bit of a wreck. Chronic overspending, a lack of savings and too much bad debt has left many in a financial condition that they would prefer not......
Continue reading → Understanding Credit Scores
January 11th, 2008 — Financial Education, Lending Club, Paul, atlantic, millville, navone, navone from Tom Tolman @ Better Rates. Together.
In December, 78-year-old Paul Navone donated $1 million to Cumberland County College in New Jersey. He still has millions left. Navone has been a factory worker most of his life and never earned more than $11 per hour. His financial discipline has been praised in blogs and on the news. JD [...]
Continue reading → Seven steps to wealth – the example of Paul Navone
December 26th, 2007 — Equifax, Experian, Financial Education, Lending Club, TransUnion, accidentally, annualcreditreport, insert, monitoring, ordering from Tom Tolman @ Better Rates. Together.
Brandon Hanson recently shared an experience which reminded me how even the very financially savvy can get burned by “free” credit reports:
“I hate credit checks - specifically, the ’say-it’s-free-but-really-it’s-not’ kind. I went on to a site promising a free credit report to get, surprisingly enough, a free credit report. Although I’m usually aware enough to [...]
Online Stores Related Websites - Smart Credit Card Debt Credit card debt is a global problem that has led many to the poorhouse. However, with smart management, credit card debt can actually be a good thing. Let’s look at how to have smart credit card debt that will help your finances instead of hurt it. The premise may be......
- One Loan Late. Not supposed to happen to AA. What does that mean? Of my 46 loans. 1 is now late (less than 15 days). Here is what Prosper.com says will happen now: What exactly happens if I'm late? Below is the schedule that Prosper follows in the event of a borrower missing a payment due to insufficient funds (NSF). At any point......
Continue reading → Keep your free credit report free
December 24th, 2007 — Financial Education, Lending Club, checkout, codes, coupon, coupons, december, dell, rewards, upromise from Tom Tolman @ Better Rates. Together.
Mike Smith’s post about clipping coupons prompted me to write about how I ‘clip’ coupons – online. I can’t remember the last time that I’ve used a coupon at the grocery store register but I almost always use coupon codes when I purchase something online. Nearly every major retailer has a place within its online [...]
Online Stores Continue reading → Maximize online savings through coupon codes and other tricks
December 20th, 2007 — Financial Education, Lending Club, employees, hanson, hanson, hourly, payroll, peer, salaried, temporary from Tom Tolman @ Better Rates. Together.
For most of my non-student adult life I’ve worked as a salaried employee. I’d given little thought to how my hourly rate varied based on the length of the pay period until I read Brandon Hanson’s recent article – Paid Twice a Month versus Every Two Weeks.
This hourly rate variance is especially significant when [...]
Continue reading → How salaried employees can increase their hourly rate
November 27th, 2007 — Financial Education, Lending Club, adult, bail, danko, interviewed, millionaires, occupation, outpatient, peer from Tom Tolman @ Better Rates. Together.
How can you join the ranks of America’s wealthy (defined as people whose net worth is over $1 million)? No, you don’t need to win the lottery, become a pop idol or inherit their money. It’s actually easier than that, according to Dr. Thomas J. Stanley and Dr. William D. Danko who wrote The [...]
Online Stores Continue reading → Seven steps to wealth
November 26th, 2007 — Financial Education, Lending Club, Scam, faxed, lady, peer, scammed, scams, western, wire from Tom Tolman @ Better Rates. Together.
I recently received an email from a lady in the Midwest who was the victim of an online lending scam. She found my blog about P2P lending and wanted to know if P2P lending was a scam or if she could use it to lift her out of her financial troubles. With her permission [...]
Related Websites - Carnival of P2P Lending #3 The p2p lending online evolution is gaining steam. And the carnival of p2p lending is on the 3rd edition. Editor's Pick: Ben presents Why Borrow from a Bank when you can Prosper? posted at Money Smart Life. Here are the rest grouped by major marketplace: Prosper: Cash Money Life presents Prosper......
- P2P Lending In The News A couple of peer-to-peer (p2p) lending articles came out in major publications over the weekend... Enjoy... The ChicagoTribue: Peer-to-peer lending helpful, but know rules Sometimes you have to take matters into your own hands. At least that's the mind-set of individuals who lend and borrow money from each other online,......
Continue reading → Avoid Lending Scams
November 12th, 2007 — Financial Education, Iraq, Lending Club, combat, deployed, deployments, duty, ncoa, soldiers from Tom Tolman @ Better Rates. Together.
As we celebrate Veterans Day this weekend our thoughts here at Lending Club turn to service members and their finances. Well over a million U.S. troops have deployed in support of Operation Enduring Freedom and Operation Iraqi Freedom since September 11th, 2001. Many of these soldiers and their families face unique financial challenges [...]
Online Stores Related Websites - Financial Freedom Equals Cashflow Leveraged Wealth I would like to thank LazyMan for tagging me with in his 6 word memoir: Money - freedom to do almost anything By being tagged I need to write my own 6 word memoir.... Financial Freedom Equals Cashflow Leveraged Wealth I think the statement says it all, but to expound......
Continue reading → Deployments help some soldiers reduce debt
November 10th, 2007 — Lending Club, boys, girls, kelly, pittance, soldiers, terry, terry, veterans from Tom Tolman @ Better Rates. Together.
This weekend we celebrate Veterans Day - an American holiday honoring military veterans for their contributions and sacrifices for national security. The holiday is also known as Remembrance Day or Armistice Day and celebrated by several other countries on November 11th as well. It is the day that marked the end of World [...]
Online Stores Continue reading → A Pittance of Time
November 5th, 2007 — Financial Education, Lending Club, casino, casino, gambling, hoffman, lotto, machine, slot, winnings from Tom Tolman @ Better Rates. Together.
Gary Hoffman is in the news after he seemingly won $1.6 million dollars playing nickel slots on an Indian reservation in New Mexico. He says he became ‘ecstatic’ when the machine said he had won $1,596,244. Those feelings quickly soured as the Sandia Resort and Casino claimed the machine malfunctioned and gave him [...]
Online Stores Related Websites - Antique Singer Sewing Machine Antiques -> Sewing -> Machines and Machine Parts If you love sewing collectibles and are trying to build up your collection, one of the best additions you can find is an antique Singer sewing machine. These machines can enhance any personal collection and may even be the focal point in......
- Pinball Machines Collectibles -> Arcade, Jukeboxes and Pinball -> Pinball-> Machines Pinball machines are very special to many people and over the years, they have become very collectible. Whether you are looking for a pinball machine to restore or one that is in perfect order, they are a great addition to any......
Continue reading → Gambling away wealth
