Watch Out for Tax Refund Advances

Posted by | Posted on 21-01-2010

As tax season kicks into high gear, you are likely to see a number of commercials touting the virtues of a tax refund advance. This can be a tempting proposition. You go in, have your tax return prepared, and the nice folks cut you a refund check right there. Otherwise, you could get your money between two weeks and two months later depending on how you choose to receive your refund by check or direct deposit.

Of course, there’s a catch, as a tax refund advance is actually a loan. And, like all loans, it comes with fees. Depending on the tax preparer, fees charged and other factors, you can pay between $30 and $200 (or more) for your tax refund anticipation loan. T

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Mortgage Rates: 30 Year Mortgage Rates Down to 5.00% and 15 Year Mortgage Rates Down to 4.33%

Posted by | Posted on 21-01-2010

Mortgage rates decreased in the latest Mortgage Market Survey released by the Mortgage Bankers Association (MBA). Lower mortgage rates increased mortgage applications for home purchases and mortgage refinancing.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

The average contract mortgage rate for 30 year mortgages is back at 5.00 percent for the week ending January 15, 2010, down from the prior week’s average mortgage rate of 5.13 percent. Mortgage dis

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Christian Louboutin Shoes – Collection of Indulgent Shoes

Posted by | Posted on 20-01-2010

Women have a great fascination for great foot wears. Their demand is to have a great pair of comfortable shoes. But these replica handbags and shoes have to be wonderful.

Style, comfort, and status – these things are generally considered by a conscious lady when she is looking for shoes. Style is required for her attractiveness. Comfort is critical for her to be assured every where. And status is a thing that may easily make her outstanding and gorgeous. The more at ease and respected a girl the more attractive she is . But style affects the most. It is very much influenced by many random factors such as a designer’s unique idea or being worn by a celebrity. In

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Gourmet Coffee Recipes: Make Your Own Starbucks Coffee Drink

Posted by | Posted on 20-01-2010

I am a Starbucks addict. I will openly admit it. Starbucks is an indulgence for me, on days when I am having difficulties at work, a relationship crisis, or when I just feel like procrastinating. If you are like me, and you are attempting to stick to a budget every month and trying to be diligent about paying down your debt, then Starbucks does not fit into that equation very well. Especially, when your habit turns into a twice a week or every other day experience!


Image from WomansDay

So, I decided there had to be a way for me to enjoy a gratifying, extra sugary coffee treat without paying $4.65 for it.

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Haiti Relief Efforts and How To Help

Posted by | Posted on 19-01-2010

The virtual ink was barely dry on my earlier post on preparing for an emergency plan when this huge calamity strikes in Haiti. I’ve mentioned the sobering fact before that in many parts of the world, it’s just not possible to prepare for the effects of a serious disaster. The unfortunate thing is that in many developing nations and third world communities, there’s just no infrastructure to support emergency planning and preparation.

It’s been tough to see what’s been going on in Haiti. When a massive disaster strikes and the call for humanitarian aid is extended to the entire world, we do what we can to address that call. Hopefully what we have to offer can come into play in time, to save a life and avert the growing crisis in the affected land.


Image of Haiti Presidential Palace, after and before the quake (from thaindian.com)

I can only imagine what it is like to face the aftermath of an earthquake that sowed this kind of destruction. I know what it’s like to face an earthquake this powerful as I was one of those around to experience a similar magnitude earthquake. Remember the one which struck the SF Bay Area in October of 1989 (the Loma Prieta earthquake)? I remember exactly where I was and what I was doing then. I was in an office building when I remember the jolt that would not end, and how the plaster started cracking around me. When the sprinklers turned on and started flooding our floor, I honestly felt my number was up.

So when it happens and the consequences are not as fortunate, I can only sympathize with those who are suffering. I was therefore heartened to see that there have been efforts around the blogosphere that have been encouraging us to take a closer look at this catastrophe and to offer more than prayers.

Haiti Relief Efforts and How To Help

Mr. Credit Card, a blogging colleague, has written this post on how he will be matching donations that those of us make for the earthquake victims. You can help out (and get Mr. CC to add to his cause) by commenting on his post, donating with a credit card, and blogging about this matter. Mr. CC has explained how he got the idea to match donations from reading this post by Money Saving Mom, who has outlined some specific ideas on how you can be of help to Haiti. Every little bit helps.

I’ve donated to the Red Cross, but other organizations will benefit from your generosity as well (I gathered this list from various sites and blogs):

1. Usaid.gov
2. American Red Cross
3. International Red Cross
4. Compassion International
5. Numana, Inc.
6. Doctors Without Borders

If you are donating, it’s also a good idea to check out the organization that’s accepting your funds. In this article, the FBI warns us about scams that may materialize after tragedies occur. Be careful of outfits that are only too happy to thwart your good intentions and take advantage of your generosity during times of disaster and loss.

And finally, here’s something interesting. I found this chart on how the world is responding to this event. It shows who’s been involved with supporting the Haiti relief efforts.

If you’re a blogger, it would be great if you could share this information with your readers. Many thanks!

Where To Sell Gold Jewelry?

Posted by | Posted on 19-01-2010

Now is the best time for selling gold jewelry!! Gold prices are at an all time high and you would definitely get more money than you spent while purchasing the gold jewelry. Now the problem of where to sell gold jewelry arises. Valuing diamonds and other gems might pose a problem unless you contact the right people. You would certainly like to get money worth your jewelry and to ensure that you are not scammed you need to be alert and informed about the many ways you can be duped.

Cause For Selling Gold Jewelry

There can be many reasons that have made you decide to sell gold jewelry. It could be a divorce, illness, etc.

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