How a Shopping Addiction Can Get You Into Legal Trouble

Once upon a time, shopping addictions were confined to grocery stores, malls, and outlets. With the advent of the internet, and the smartphone, both men and women have found that they can get a “rush” by buying online. People now have the opportunity to buy anything at the tip of their fingers. As shopping habits have increased, the number of high paying jobs to fuel these shopping addictions has decreased, helping result in a rise of shopping addictions.

Shopoholism, much like drug and alcoholism, can be destructive to oneself and those close to them. Where an alcoholic will try and hide(…)

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Getting The Most Out Of Your Payday Loans

Getting the most out of your payday loans will allow you to secure the funds you need for resolving your current cash flow issues, without creating legal and financial problems that you’ll have to deal with in the future. Although these products can be very handy when you’re low on cash, it is important to note that they are commonly offered by companies with higher than average interest rates, hidden fees and guarantees that might not pan out. Companies like these must be diligently researched before consumers choose to use them.

Make Product And Price Comparisons

One of the first and most(…)

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USDA Loans: The most affordable home loans in America

Very few Americans know that the United States Department of Agriculture (USDA) is involved in the mortgage business. That’s too bad because USDA loans are the best bargain out there if you are strapped for cash and want to buy a home with little or no money down. You do not have to be a first-time home buyer to qualify, you don’t have to have fantastic credit and USDA loans cater to both low income and moderate income borrowers.

While the USDA does not directly make loans to home buyers, it does issue special financial guarantees to insure loans that those(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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How to Prepare for the Next Stock Market Crash

The stock market is in an extended bullish phase that has seen the Dow hit all-time highs and then repeatedly break those records while going even higher. Inexperienced investors are thrilled and excited by that, pouring more money into the market as stock prices rise, hoping to strike it rich. Meanwhile, more seasoned investors tend to get a little nervous when everyone else is giddy and euphoric because they know that the stock market always retreats, and sometimes crashes, after a dizzying climb.

How long the bull market will continue is anyone’s guess, and right now could be a smart time(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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Killing Time with Free Online Games

Online games are sure to take a lot of a person’s day away. People can play these games for hours and forget about everything else that is going on in the world. There are some people who use these games only to pass short periods of time. Technology has given a large variety of free games for people to play.

What Happened To Reading Books 

In the past, the only way to pass time was to read a book, play a board game, or play a card game. Reading a book was always a good way for a person to build their(…)

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I Received a Consent to Rate Request, Now What?

Lately many homeowners across the USA have received notices from their insurance companies that include a document called a Consent to Rate form. The letter explains that due to the higher cost of insurance coverage, the insurer has experienced a rise in claims.

By the time you get that far in the notification letter you start to see the writing on the wall and know where this conversation is headed. If you’re like me you will skim past all the cordial and apologetic spin doctoring that attempts to portray the insurance company as a victim of unforeseen and unpreventable circumstances. You(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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The Golden Rule of “For Sale By Owner”

As the housing market is recovering significantly and allowing homeowners to ask for higher prices, the desire to hold on to those profits is also growing stronger. The largest expense for most sellers is the commission paid to their real estate listing agent, which typically averages about 5-6 percent. That’s why For Sale By Owner (FSBO) is an alluring alternative to hiring a Realtor. Before deciding how to approach the do-it-yourself route, however, you need to know that there is one rule you cannot afford to ignore.

List Your Home on MLS

The first rule of FSBO is that you can do(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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Three Financial Tips for the Self-Employed

Those who are self-employed enjoy lots of intangible perks by being their own bosses, but they also encounter uniquely vexing financial challenges. A classic example of what I mean is often experienced by real estate agents and loan brokers who work on commissions and operate as independent contractors. Ironically, because they are self-employed, it can be especially hard for them to qualify for a mortgage loan to buy a home.

Some challenges self-employed individuals face is a lack of a retirement fund and affordable health insurance. Tens of millions of self-employed parents couldn’t afford to provide health insurance for themselves or(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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