Jeff Lakie's Articles

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  • A Hidden Answer to Your Pending Foreclosure Problem
    Falling behind on your mortgage is not a good thing, but sometimes it simply cannot be avoided. A job loss or other stumbling block could force you to miss one or two payments making you vulnerable to foreclosure.
  • A Low Credit Score Can Really Cost You!
    If you have a low credit score, well below the national average of 723 then that low score will cost you plenty over time. Loans will be difficult to obtain, but if approval is given you will pay a higher interest rate than someone with good credit. Think that a low credit score can’t hurt you? Well, it not only can it can make your life downright miserable.
  • A Short Sale to Avoid Home Foreclosure
    If you are looking to purchase a home before it goes into foreclosure, you may be able to arrange a short sale if you play your hand right. A short sale involves selling the home to you at a price less than what the owner owes to the mortgage company.
  • A Visa Gift Card Is A Thoughtful Gift
    If you are considering giving a gift to a friend, neighbor, family member, or co-worker, then consider giving a gift card instead of a present. Gift cards allow recipients to choose the gift that befits them and in many cases the card can be used at many different locations, especially if it is a Visa gift card. Yes, the same company that offers credit card and debit card services and is accepted almost everywhere now offers a gift card that can be used all over.
  • All About Short Term Emergency Loans
    You have heard about them and have seen ads on the internet, perhaps even listened to radio ads or television spots about this financial product. What am I talking about? Payday loans, also known as cash advance loans or short term emergency loans. What exactly is this type of loan and should you ever take one out? Keep reading and we’ll explore the upsides and downsides of this type of personal loan.
  • Are All Credit Reports Truly Free?
    The Federal Trade Commission through an act of Congress has authorized that the three major credit reporting bureaus offer one free copy of your credit report to you on an annual basis. This decision has proven to be a boon for consumers who can now find out what creditors are saying about them and quickly respond to errors and omissions. Not all offers for obtaining free credit reports are truly free. Read on and we'll explore how you can know if an offer is right for you.
  • Be Aware of the Foreclosure Hunters!
    You may already be at the point where you know that foreclosing your home is inevitable. Likely, you are several months behind on mortgage payments and unable to meet your debt obligations.
  • Building Credit With No Credit
    One of the oddities of the credit system is that if you apply for a credit card and haven’t had credit before, you not only will probably get turned down but your efforts will work against you in the form of a drop in your credit rating.
  • Buy At Wholesale For the Best Deal Available
    Consumers looking for a great buy on a product are often drawn to sales at their local department store, retail chain, or factory outlet. Indeed, discounts of ten to fifty percent even more are possible it you hit these stores at the right time and the exact product is available when you shop.
  • Buying Magazines: Is it Worth it to Subscribe for Home Delivery?
    When trying to decide whether to buy magazines in a store or from a sidewalk stand, or to have them sent through the mail as a subscription, many of us are not sure which way to go
  • Can Debt Negotiation Work For You?
    If you owe monies to several lenders are finding it difficult to keep up with payments, then perhaps some form of debt negotiation could work for you. What is debt negotiation and how is it accomplished? Keep reading and we’ll take a look at what can be achieved via debt negotiation.
  • Carolina Real Estate Foreclosures
    If you are a distressed homeowner and are living in the Carolinas, then avoiding foreclosure is essential to keeping you in your home as well as preserving your credit integrity.
  • Consumer magazines are sometimes disguised ads
    We all want to trust that what we read is true, authentic, and genuine, but often the printed word is backed up by paying sponsors who control the spin
  • Different Editions of the Same Magazine in Different Countries
    One thing that travelers often remark about when they return from other countries is that the magazines they are accustomed to reading at home are different in other locations.
  • Donate a Car to Benefit Charities and Yourself
    The Internal Revenue Service allows for many different types of charitable deductions including cash, clothes, goods, and some services. One of the "goods" approved by the IRS that taxpayers may donate is their car. Although the IRS has tightened things up over the past few years, donating a car can benefit a favored charity and help yourself come tax day. Let's take a look at how your car donation can help you and a recognized charity.
  • Find the Very Best Credit Card Offer
    Check your mailbox on any given day and you are likely to find one, two, three or more offers to get a credit card. Most offers on the surface look pretty good, but you’ll have to do some digging before you find one that is a real hit. Are you considering opening up a new credit card account? If so, let’s take a look at what makes a worthwhile offer for card seekers everywhere.
  • Finding and Profiting From Home Foreclosures
    Thousands of investors across North America have taken a part time opportunity and turned it into a full time career, one putting them squarely on the road to wealth.
  • Finding Real Relief From High Taxes
    It is the bane of citizens everywhere: high taxes that can crimp your lifestyle, even affect the way that you do business. In many areas, citizens are revolting against ever increasing taxes by insisting that lawmakers hold the line on spending.
  • Foreclosures Are Increasing, Will You Bite?
    They say that one man’s misfortune is another man’s fortune. Few people really like to take advantage of someone else’s tough times, but in the present housing market it is nearly foolish not to.
  • Free Checking Accounts Are The Right Way To Bank
    Banking fees certainly have been climbing over the years. Today it is common to hear about banks charging $35 for one returned check, $20 for a money transfer, $125 for a consumer loan application, and $12 per month for checking. Fortunately, some financial institutions are wising and realizing that customers do not want to over run with fees. While many of the charges I mentioned won’t go away, checking account fees can if you follow a few simple rules.
  • Free Magazines: Who pays for them and how do they survive?
    Lots of the magazines we find on racks or receive in the mail are free of charge, but someone has to pay for those glossy issues, and without a subscription or sales price, these magazines are underwritten by sponsors
  • Give Magazine Subscriptions: Holiday gift ideas
    Holiday gift ideas, whether for a birthday, an anniversary, a graduation, or a year-end holiday like Christmas, come in handy for all of us. It is one thing to set aside some time and money to give a gift, but choosing the right gift for the right person can be a monumentally challenging task
  • Grit Newspaper becomes a Magazine: Rural retro comes back in 2006
    Back in the 1950s, rural communities existed all across the USA. In fact, more than half of all Americans were growing at least some – if not all – of their own food at that time, and agriculture was an enterprise that was as common to Americans as the Internet is to today’s generation
  • Home Based Business Tax Deduction Options
    If you operate your own business, particularly you run a business from your home, you probably already know that you have a large amount of deductions at your disposal. Are you familiar with all of them? If not, let’s take a look at some key deductions you don’t want to miss.
  • Home Equity Lines of Credit Provide Value and Convenience
    If you are considering doing any work on your home, then a home equity line of credit can provide the value and convenience you need to get the job done at the pace you determine. Indeed, with a ready reserve of cash to draw upon you can borrow as little or as much as you like up to the full amount of the line.
  • Home Foreclosures Can Lead to Big Profits
    If you know of a home that is about to be foreclosed you could conceivably step in before the court ruling and buy the home.
  • Home Refinancing Post Personal Bankruptcy
    You filed for bankruptcy and after what seemed to be a lengthy time your application was granted by the courts. Fortunately, you were able to keep your house and most of your other debts including credit cards and one personal loan were discharged.
  • Keeping the Foreclosure Monster at Bay!
    Have you fallen behind on your mortgage payments? Are you worried that your home may soon be foreclosed?
  • Keeping Your Georgia Home Out of Foreclosure
    If you live in Georgia, then you fully enjoy a state well known for its big city amenities as found in Atlanta as well as the antebellum culture of Savannah.
  • Less Than Perfect Credit Personal Loans
    If your credit is less than perfect and perhaps even below the average credit score rate, you may find it difficult to obtain a loan to purchase that car you want, pay for your child’s education, fund your daughter’s braces, or finance a whole host of other projects you have in mind.
  • Locations Where Foreclosures Are Nearly Blooming
    The home foreclosure market – if that is a proper term to use – is blooming, but not evenly across the nation.
  • Low Taxes Mean a Stronger Economy
    There is a killer on the loose that can steal, kill, and destroy the economy: high taxes. In areas of the world where taxes are very high, economies are generally very weak.
  • Magazine Charity: Recycling Your Old Magazines
    If you want to start your own charity, you do not have to be a millionaire – or even have expendable income
  • Magazine Deadlines: A look inside a magazine production schedule
    Magazine production is a business that runs by the clock, and those who produce magazines live a work life that is totally based on a constant series of ever-evolving and constantly moving deadlines
  • Magazine Stands: An Urban Institution
    While most readers probably get their magazines through the mail by annual subscription, many prefer to pick them up on the street at urban news racks or kiosks
  • Magazines Evolve with Print Media Technology
    In the 1950s, when cameras were large boxy objects usually steadied on a tripod, the film that went inside them required a long time to develop
  • Money Saving Tips For Your Next Vacation
    If you are in the middle of planning your next vacation, likely you are giving some thought to ways you can curtail your costs. Vacations should be an enjoyable and relaxing time but not at the cost of straining your budget.
  • Perfume Ads in Magazines: A Strange Whiff of American Culture
    Once upon a time, perfume was reserved for department stores or boutiques, and not magazines.
  • Personal Bankruptcy and Home Buying
    If you were granted a personal bankruptcy decision over the past several years you know that obtaining new credit is difficult, almost impossible. Fortunately, if you are looking to purchase a home, there are ways for you to still find home financing even with a personal bankruptcy ruling on your credit report. It won’t necessarily be an easy thing to do, but you could be in your new home if you explore some of the options open to you.
  • Post Bankruptcy Car Loans and How To Get One
    You filed for personal bankruptcy and your options for obtaining any loan from a creditor are severely limited. Trouble is, the car that you are driving simply cannot be depended on to safely transport you to where you need to go.
  • Pre-foreclosure Deals in a Hot Housing Market
    You have seen all of the advertisements where merchants are hawking their products to help you profit in the home foreclosure market.
  • Preventing Identity Theft From Ruining Your Life
    Identity theft is a worldwide problem that continues to widen its scope every passing month. Billions of dollars are lost every year to criminals who obtain and reuse confidential consumer information to their advantage and to your peril. You can prevent identity theft by following several simple tips as suggested by law enforcement and consumer rights experts. Read on and I'll inform you of the ways that you can lessen your risk of becoming a victim of identity theft.
  • Property Taxes and Your Personal Vehicle – Save Money!
    In some states consumers can expect to pay property taxes on their homes as well as on their personal vehicles.
  • Save Big Bucks On Motorcycle Insurance
    If you own a Harley, Yamaha, Honda or other fine bike you are probably very proud of your wheels. Bike prices are skyrocketing in the face of more motorists deciding to take to the streets in search of the ultimate riding experience. How well insured are you? Are you satisfied with your current motorcycle insurance?
  • Save Money On Your Home Security System
    One of the largest and fastest growing consumer markets are home security systems. From city dwellers to farmers, home security systems provide residents with the security and peace of mind that they seek when away from home or at night when they are most vulnerable to break-ins and attacks.
  • Second Mortgage or Equity Loan: They Are Both the Same
    In the financial arena, many terms are used to explain what amounts to be the same thing. Mortgages are home loans and equity is the cash value in your home. One term that is used that sometimes causes confusion is second mortgages.
  • Status Magazines: Some magazines are bought to impress others
    While most of us think of magazines as publications that we buy in order to be entertained, educated, or informed, there are many magazine buyers who buy them mostly because they represent status symbols
  • Submitting Articles to Trade Magazines
    One of the best places to get yourself published – even if you are only a novice writer – is in specialized trade magazines
  • Take Care That A Store Card Does Not Come Back to Haunt You
    You’ve seen the promotions as you walked into your favorite department store: sign up for a store card right now and you can get ten percent off of all of your shopping for the day even on sale items.
  • Tax Deduction Options You May Have Missed
    As a business person or everyday taxpayer you may think that you have taken every conceivable tax deduction available to you. However, if you paid closer attention to recent amendments to the tax code you may have uncovered some additional special deductions for the most recent tax year.

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