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Archive for February, 2009

How Your Debt Jeopardizes Your Eternal Destiny

Posted by Elisheva Wiriaatmadja On February - 28 - 2009

From the 9-10 December, I went to a church conference in Jakarta which was called the “Conference of the Holy of Hollies”.  One of the most important thing that George Annadorai, one of the speakers in the conference, taught us was the connection between debt and destiny. As we all know, in the Bible God calls us, believers, as His children or sons. We know that the first important Son is Jesus Christ. Israel as a nation is also called as His son.

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Government Grants – Express Funding Campaign

Posted by Elisheva Wiriaatmadja On February - 27 - 2009

A lot of people don’t understand that all taxpaying Americans at the age  of 18 and above are eligible to receive free government grants for any purposes they may have. This grant money is non-taxable, interest free and you don’t even have to repay it. Everybody can apply for a government grant regardless of their credit or their past financial hardship.

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Loan and Debt Consolidation – Its Importance and How it Works

Posted by Elisheva Wiriaatmadja On February - 27 - 2009

Despite hour after hour of grinding work, we often don’t come to a point where we can relax in the comfort and luxury that our labor brings. Financially speaking, it seems that no amount of hard work could ever propel us to the sought-after promised land of milk, honey and luxuries. Patiently and stubbornly, we clung on to some of our most cherished ideals, and we continue with the hard work. However, to our dismay, debt is sure to accumulate. When you are in debt, it is one of the most irritating and frustrating sensations, wherein you will lose sanity trying to figure out the prioritization of settlements. It seems that you’re climbing hill after hill, only to find out that for every crest you climb, another one on the horizon looms. Such cycle of things can be maddeningly dispiriting.

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As Home’s Value Keeps Falling…

Posted by Elisheva Wiriaatmadja On February - 25 - 2009

Home's Value DropsThere is a forecast in the housing market that the home’s value will keep falling to a further 14.5% by Nov 2010. This was started by the housing collapse which also dragged the stock market and the economy down. While America is depressed and their spirit is beaten down, it doesn’t look as if the Obama stimulus plan has a good chance in fixing this. As the stimulus was announced, the psychological tone of Wall Street hasn’t changed at all. If the government does not really do anything to lift this gloom, this economic recession may most likely become a psychological depression for Americans.

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Popularity: 3% [?]

The Debt Racers: Women in Red

Posted by Elisheva Wiriaatmadja On February - 24 - 2009

This morning I was browsing on MSN.com and stumbled on an interesting forum about money and personal finance there. This specific forum got my attention because of the name, “The Women in Red Racers.” The ‘racers’ apparently is a group of women in the Women In Red Forum who focus on ‘racing’ to get out of debt.

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Strangest Personal Loans

Posted by Elisheva Wiriaatmadja On February - 22 - 2009

Have you ever heard of people who apply for a personal loan to buy unnecessary luxury that they couldn’t afford with their salary? I have heard of a man who apply for a personal loan to buy a Bengal tiger. A woman in the UK who has no savings and live only on government benefits applied for a personal loan for a nose job and she got it. The strangest thing is that the creditor agreed to lend her £5,000 instead of the £4,000 that she asked for. The reason was because it was cheaper at 10.8% interest rate, compared to 15% for the £4,000 loan!

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About Academic Scholarships

Posted by Elisheva Wiriaatmadja On February - 22 - 2009

There are many great academic scholarships out there for those who have excelled in school. It takes a great deal of effort and determination to maintain a very high GPA. It shows you do care about your future and you strive to do your very best. You should commend yourself for such achievements and you should be well rewarded for it. You will find that there are plenty of great academic scholarships you can apply for.

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Popularity: 2% [?]

Top 3 Worst Debt Consolidation Moves

Posted by Elisheva Wiriaatmadja On February - 21 - 2009

Every day, you probably get at least 1 piece of regular mail that offers you low-interest deals to consolidate credit card debt or other incredibly alluring deals for debt consolidation. People who are so caught in the quicksand of consumer debt would easily believe anything these mails promise them, and they would do anything to make their debt go away. Here are the worst debt consolidation moves that one could do:

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Top 4 Important Facts Of Free Government Grants

Posted by Elisheva Wiriaatmadja On February - 17 - 2009

Many people in today’s financial environment are in such a tight budget to even think of starting a business or going back to school or do other things that would cost a huge amount of cash. Most of them prematurely assume that they won’t qualify for any type of grant and thus don’t even bother to look into this option. But you need to understand some reasons why you should try and apply for a government grant.

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Popularity: 3% [?]

Tips To Cut Your Car Insurance Costs

Posted by Elisheva Wiriaatmadja On February - 16 - 2009

Everybody wants to save money on anything nowadays, even expenses that are fixed such as auto insurance. In 2008, the insurance cost for your car was fairly stable with an average increase of 2.5-3%. However, this does not necessarily mean that you can not find ways to cut your auto insurance premiums.

The truth of the matter is, you can get lots of suggestions on how to do that from industry insiders and consumer advocates. Some of these suggestion will apply equally well to everyone and some may work better in certain situations than in others. Below you will find some tips to cut your car insurance costs. These tips can be applied to everyone.

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