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Finance Saint Petersburg FL

Managing your finances can be difficult and confusing if you are not equipped with the right information and tools. Learn more about ways to control your finances, as well as plan ahead for budgets, loans, credit reports, and more.
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Certified Public Accountants/CPAs Saint Petersburg FL

Certified Public Account (CPA) is the title given to accountant professionals who have passed the Uniform Certified Public Accountant Examination (CPA Exam). The CPA designation is granted by the state boards, and not by the American Institute of Certified Public Accountants (AICPA). CPAs perform many varied services, including financial audits (assuring and attesting that businesses are following the Generally Accepted Accounting Principles, or GAAP), tax preparation, forensic accounting, and consulting. See below to locate a Certified Public Accountant in Saint Petersburg, FL.

Supporting Charities Saint Petersburg FL

Besides the opportunity to reach out and spread goodwill, are there any good reasons why you should continue to support a charity’s goals? Find out about supporting charities and what you will want to consider.

Retirement Planning Strategies for Ages 50 and Beyond Saint Petersburg FL

If you're among the roughly six out of 10 individuals who has never tried to calculate what they need in retirement, do it pronto. Retirement savings planning tips for getting ready for retirement later in life with prudent saving and spending strategies.

Retirement Planning for People in Their 40s Saint Petersburg FL

Except life gets in the way. Talk to planners and they'll tell you that while the typical 40-year-old is keenly aware that he or she should save, too few have taken the necessary steps to adequately prepare for retirement.

Retirement Planning Saint Petersburg FL

The problem with retiring in Saint Petersburg now is that since the market downturn, many people lost a hefty sum of money in their 401K due to their equity investments. So the question is: How much do you currently have available in your 401K and can you live on the pension and retirement funds during this recession?

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401(k) Loans Saint Petersburg FL

Feeling weighted down by big credit card bills and considering a loan from a 401(k)? Experts agree: proceed with caution and only as a last resort.

A Financial Literacy Guide Saint Petersburg FL

You've committed to watching your checking account more closely. So where do you start? By getting to know your monthly account statement.

Calculating your Minimum Payment Saint Petersburg FL

Find out how to calculate your minimum payment and how much of your money goes towards interest and the principal. balance. To calculate your minimum payment, grab your last credit card statement and a calculator.

Certified Public Accountants/CPAs Saint Petersburg FL

Certified Public Account (CPA) is the title given to accountant professionals who have passed the Uniform Certified Public Accountant Examination (CPA Exam). The CPA designation is granted by the state boards, and not by the American Institute of Certified Public Accountants (AICPA). CPAs perform many varied services, including financial audits (assuring and attesting that businesses are following the Generally Accepted Accounting Principles, or GAAP), tax preparation, forensic accounting, and consulting. See below to locate a Certified Public Accountant in Saint Petersburg, FL.

Credit Card Balance-Transfer Tips Saint Petersburg FL

Many cards in Saint Petersburg charge the low rate only for balances transferred from other cards. Sounds like a good deal. And it is -- if you remember that new purchases on these types of cards will be charged at a higher interest rate. What's more, the credit card company will apply all of your payments to the zero or low-rate balances first, until they are paid off.

Credit Card Terms Saint Petersburg FL

Cryptic vocabulary makes interpreting credit card statements difficult in Saint Petersburg. Happily, you will find most of the terms credit card issuers use right here. Refer back to this glossary whenever you need help determining the meaning of creditor jargon.

Credit Report Information Saint Petersburg FL

Credit report monitoring is the best way to stay on top of the ups and downs in your credit history. Find out how long debt and delinquent payments can continue to affect your credit score down the line.

Debt Advice for Foreign Students Saint Petersburg FL

If you received the services in Saint Petersburg, you have to pay for them. However, medical providers understand that most people can't pay for uncovered expenses in a single shot. They may ask you for the balance, but my experience is that they will accept a payment plan or, if you are destitute, even forgive the bill.

Debt Management Basics Saint Petersburg FL

Many who are weighed down with debt opt first for self-help. But sometimes you just can't do it alone. Here's how to tell when you need to call in a financial fitness expert.

Debt Management Guide Saint Petersburg FL

Debt problems don't just suddenly appear. Most of the time they take a while, and if you're alert for signs of trouble, you can probably avoid any potential disasters. Here is some help that you may need.

Filing a W-4 Saint Petersburg FL

While taxes affect you as soon as you're born, most of us don't even start thinking about them until the momentous day when we get our first paycheck in Saint Petersburg.

Finding a Financial Planner Saint Petersburg FL

Financial planner, financial consultant, investment adviser, stock broker -- these are all titles for people who provide essentially the same types of services, right? Well, true.

Fixed-Rate Loan vs. Line of Credit Saint Petersburg FL

There are two types of home equity loans: term, or closed-end loans, and lines of credit. Both are sometimes referred to as second mortgages , because they're secured by your property, just like your original (first) mortgage. Home equity loans and lines of credit are usually for a shorter term than first mortgages.

Getting the Facts on Bankruptcy Saint Petersburg FL

Bankruptcy can be frightening. It can also be a solution when there's no other way around your debt. Here are tips and suggestions to consider if you're facing that possibility.

Guide to Managing Debt Saint Petersburg FL

Bankruptcy is a legal remedy, and as such only an attorney can properly advise you on the process. However, as far as being a candidate for the legal process, that is another question.

Handling Debt in Retirement Saint Petersburg FL

I suggest that you start by creating a budget that accounts for all your income and all your expenses in Saint Petersburg. Do it like you mean it! Use Bankrate's household budgeting work sheet or the financial tools offered at Money Management to run the numbers. Don't do it in your head or on scrap paper. It's too easy to miss items.

How to Beat Inflation in Retirement Saint Petersburg FL

TIPS are designed to protect investors from inflation by tying them to the Consumer Price Index, or CPI, the government's main gauge of inflation. In the following article, you will find some investments which will help you combat that insidious erosion of your purchasing power known as inflation.

How to Choose a Checking Account Saint Petersburg FL

Choosing a checking account involves more than what color checks you want. Here are tips on what to ask about when comparing checking accounts in Saint Petersburg.

How to Clean Up a Credit Report Saint Petersburg FL

You're stuck with your bad debts on your credit report, but there are ways to lessen the sting. The following article is about how to remove information that is inaccurate and false from your credit report. Read on.

How to Get a Higher Credit Score Saint Petersburg FL

No matter what score you've earned, it's important to know what system was used to get your score -- and what it means. Changes in the credit score world may require a quick review.

Importance of Building a Good Payment History Saint Petersburg FL

One of the most effective methods for repairing credit in Saint Petersburg is racking up a good payment history. If you already have a mortgage or credit cards, you should keep making those timely payments and reducing those balances.

Investing for Retirement Saint Petersburg FL

You may look at your portfolio today and think you have plenty of money to start giving out gifts to your children in tax-free amounts generally up to $12,000 per year if you are single and $24,000 per year if you are married. But your spending may change in retirement.

Investing Tips Saint Petersburg FL

Good investing can bring peace of mind, security and the lifestyle you and your family want to live. On the other hand, poor investing or not investing can cause a lot of personal and family stress.

Keeping Track of Money Saint Petersburg FL

In order to get a handle on your budget in Saint Petersburg, it’s absolutely essential to carefully track expenses. This includes bills, variable necessities such as groceries and transportation expenses, and discretionary spending. Here are some of the many reasons why we must do so.

Living Spending Control Saint Petersburg FL

Pay special attention to the money you spend out of sheer habit in Saint Petersburg. You may realize that many of these expenditures provide little satisfaction and can easily be cut out. Here are some ways to live beneath your means and still have a good life.

Looking to Apply for a Credit Card? Read the Terms Carefully Saint Petersburg FL

When you look to apply for a credit card, always choose one that matches your spending patterns, your lifestyle habits, and your budget.

Losing Your Job? Get Your Credit Card Situation in Order Saint Petersburg FL

An estimated two-thirds of Americans carry credit card debt over from month to month. While this may be all right while everything is business as usual, credit card debt leaves you particularly vulnerable should you become unemployed.

Low Interest Credit Card Offers Saint Petersburg FL

Low interest credit card offers are among the best offers in the business. Information on how to spot the best low interest credit cards that will fit your needs.

Make Saving a Family Affair Saint Petersburg FL

The burden of funding college doesn't have to fall on the parents. Read on the following article and see how family members -- including the student -- can help pay for college.

Managing Credit Saint Petersburg FL

With home foreclosures skyrocketing and individuals falling behind with their credit card payments in Saint Petersburg, there is no shame in asking for help. We would all like to believe we can handle any situation, any crisis. But all too often our pride gets in the way and the hole we are in gets deeper and deeper.

Managing Health Care in Retirement Saint Petersburg FL

Finding money to pay for rising medical expenses is a huge issue that can affect the quality of your retirement in Saint Petersburg. So saving a pot of money in addition to your retirement nest egg could mean the difference between spending your retirement on the golf course and wrangling shopping carts in a parking lot for medical benefits.

Managing Marginal Accounts for the Cash-Flow Edge Saint Petersburg FL

Here you will find information and local resources in Saint Petersburg, FL that will assist with Managing Marginal Accounts for the Cash-Flow Edge. Get the information and expertise in Saint Petersburg you are looking for financial advice, managing marginal accounts, cash-flow edge, accounts management, MCW customers. Do the research before you make any investments or decisions regarding Accounting. Our guides and resources will help you quickly and easily make an educated decision about Managing Marginal Accounts for the Cash-Flow Edge.

Managing Your Debt Saint Petersburg FL

There are a lot of bad credit counselors out there, so make sure you get a good one by asking the right questions. Consumers in Saint Petersburg can ask providers of debt-management plans the following questions before agreeing to a plan.

Maximize Benefits with a Reward Student Credit Card Saint Petersburg FL

Rewards credit cards in Saint Petersburg can be a great way to earn a little extra cash or perks like airline tickets, rebates towards the purchase of a new or used car, tickets for MTV events, gift cards and much more.

Merchant Services Saint Petersburg FL

Merchant services are an essential portion of a successful, profitable online business because they enable you to take credit card payments online. Creating and operating your own business can be a challenging yet rewarding task. It's safe to say at one point we've all wanted to break away from our jobs and be our own boss. Opening your own...

Misconceptions about Bankruptcy Saint Petersburg FL

Everyone in Saint Petersburg will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the numbers of people filing are so massive, very few publications have the space, the manpower or the inclination to run all of them.

Mom's Credit Card Debt Saint Petersburg FL

Hello. My mother is no longer able to take care of herself, she has no assets and very little money; she does, however, have about $30,000 in credit card debt, and she now lives with my wife and me. We take care of all her bills for her. If we cannot make payments for her due to our own debt, what can the banks do to my mom?

Money Market Funds Saint Petersburg FL

When it comes to savings in Saint Petersburg, money market accounts are among the most popular. They offer better returns than most standard savings accounts, yet still allow easy access to your money when you need it. These accounts are often confused with money market funds, but the two are actually very different.

Money Saving Ideas Saint Petersburg FL

We’ve come up with some ideas in Saint Petersburg as to how you can still engage in some family-oriented activities for fun family activities, making memories together during these times where money isn’t always readily available for spending. as to how you can still engage in some family-oriented activities for fun family activities, making memories together during these times where money isn’t always readily available for spending.

Money Saving Tips for Movies and Dining Saint Petersburg FL

Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Here are a few ways you can still go out and have a good time, but save money in Saint Petersburg while doing so.

Mortgage Basics Saint Petersburg FL

With mortgage rates in Saint Petersburg dropping these days due to the variety of stimulus programs you need to know about the different types of mortgages that are available. Here is a quick summary of mortgage types.

Moving 401(k) Assets Saint Petersburg FL

Rolling over 401(k) assets to an IRA incorrectly can cost you or your heirs a bundle in unexpected taxes and penalties. When you leave a job, you have to decide what to do about your company retirement plan -- and you have four options.

Myths About Bankruptcy Saint Petersburg FL

Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors.

Near Term Planning for College Students Saint Petersburg FL

Many families have done a good job at planning in Saint Petersburg for their child’s college education, but the recent credit crunch and investment downturn will likely affect even the best plans. Also, if you were depending on financial aid or loans, that also is strewn with potential land mines.

Net Worth Saint Petersburg FL

Net worth in Saint Petersburg provides an indication of where you stand financially. This is important for a number of reasons. Keeping an eye on your finances is necessary if you plan on buying a house, a car, or affording college for your children. Of course how well you do in retirement is directly impacted by your net worth when you plan on retiring.

New Credit Cards with Built-In Fraud Protection Saint Petersburg FL

In the fight against mounting credit card fraud, credit card companies in Saint Petersburg are seeking increasingly creative ways to foil fraudsters. Latest arrival on the block? A credit card that generates its own security code to help prevent online shopping fraud.

New Prepaid Credit Cards Target Parents Saint Petersburg FL

A new breed of prepaid credit cards are targeting the millennia generation, aiming to bring their kinder, more customer friendly version of prepaid plastic to 14-25 year-olds and, most notably, their parents.

No Credit Easier to Fix than Bad Credit Saint Petersburg FL

It's not a good situation, but having no credit is better than having bad credit, and here are some valuable tips for fixing both.

No Excuse for Unpaid Bill Saint Petersburg FL

Granted, a creditor may be less troubled by your unpaid $85 bill plus interest than if you had an unpaid $8,500 balance plus interest. But the fact remains that you owed the money and you did not pay the bill. That is what creditors see when they review your credit report or score.

No Limit Credit Cards Saint Petersburg FL

No-limit cards are typically offered by issuers like American Express, which cater to the high end of the credit card market - people with an excellent credit score and high disposable income in Saint Petersburg.

On Transferring Debt Saint Petersburg FL

Sure, you could save a few bucks by consolidating payments on five credit cards. But out-of-control spending is the real problem, says the Debt Adviser. And always keep in mind that transferring debt isn't the same as paying it.

Online Mortgages Saint Petersburg FL

Here are some tips on how to use the Internet to get a mortgage loan and why it's not a good idea to apply for a loan online. Keep on your reading.

Online Payday Loans Saint Petersburg FL

Online payday lenders are popping up on the Internet, offering fast, short-term loans to cash-strapped consumers in the anonymous comfort of cyberspace. But if you borrow from these businesses you may have more to worry about than the astronomical interest rates traditionally associated with payday lenders in general.

Online Tools to Take Control of Your Credit Saint Petersburg FL

Credit scores have always been important in Saint Petersburg, but today, more than ever, your credit scores rule your financial destiny. With tightened lending practices and stricter underwriting rules, paying attention to your credit score is no longer simply a choice, it’s a necessity.

Patience Paying in Mortgage Hunt Saint Petersburg FL

Do you want to know how can people with bad credit records in Saint Petersburg get a mortgage? Here in the following article, you will find the answer and other information about managing your personal finance.

Pay Raise vs. Lump Sum Saint Petersburg FL

Salary increases are easier to manage than lump increases. With a raise, your increase could be automatically and painlessly deducted from your paycheck and deposited in a savings account without your ever seeing or missing the money.

Paying Debt or Building Emergency Fund Saint Petersburg FL

The lack of savings magnify financial problems, so even in debt, start squirreling away some money, says the Debt Adviser.

Paying for College Saint Petersburg FL

Wondering why it's so difficult to save up money for college in Saint Petersburg? Feeling buried under student loan debt? You're not the only one. Conditions for financing higher education have changed drastically in just one generation.

Paying off a Car Loan with Credit Cards Saint Petersburg FL

Here are several things to consider before making a decision about paying off your car loan in Saint Petersburg. Compare interest rates, then review your loan length and emergency fund before making the leap.

Paying Off Debt Saint Petersburg FL

Credit can be a wonderful thing. But when it gets out of hand, it can wreak havoc on your finances in Saint Petersburg. This is especially true when it comes to credit cards.

Paying Your Credit Card Bills Just Got Easier Saint Petersburg FL

We Americans on average lug around four ; one out of seven of us juggle a full ten pieces of plastic. For people who use all their cards in Saint Petersburg regularly, that’s a lot of bills to manage each month, on top of all the other regular bills that keep rolling in.

Payment Options Saint Petersburg FL

If you are juggling multiple credit cards, these tips can help you set things up the right way, making the process of paying your credit cards almost automatic. Try these five steps to simplify your financial life and cut down on the time you spend managing your credit card payments. Pay your credit cards online or choose automatic payments.

Perfect Credit Score Saint Petersburg FL

While it's theoretically possible to get a perfect credit score, there's really nothing to be gained by it. Having a high score is great. But the slight difference between very high and perfection just won't make a difference in your everyday

Personal Financial Planning Tips Saint Petersburg FL

Just as technology gives you an edge in your business life, it can save time and build wealth when it comes to managing your personal finances. Whether it's the mundane chores of tracking your daily spending or the more complicated tasks of tracking your investments and guiding your financial planning, tech tools not only save time but also help your money grow.

Planning for a Special-Needs Child Saint Petersburg FL

Proper planning for special-needs children ensures that their needs are met after you are gone. Financial planning for a special-needs child can be tricky, but if you start with a good road map, you'll avoid costly financial mistakes and have peace of mind that your child will be taken care when you and your spouse are gone.

Powerful Debt Pay-down Strategies Saint Petersburg FL

Is debt overwhelming your finances? If you have nightmarish visions of being surrounded by creditors in Saint Petersburg, it's time to put down all credit cards, tighten the proverbial belt and start living not only within your means, but under them until you've paid back what you owe.

Prepaid Credit Cards Saint Petersburg FL

A prepaid credit card allows you to load a certain amount of money onto the card and use it at your convenience.

Prepaid Credit Cards Find New Following Saint Petersburg FL

Consumers looking to rein in credit card spending are finding one new, unexpected ally in prepaid credit cards. The use of prepaid credit cards is trending sharply upward. CreditCardGuide.com examines prepaid credit cards.

Preparing for a Potential Layoff Saint Petersburg FL

If you have concerns you may be laid off in Saint Petersburg, there are certain steps you can take now to alleviate the pressure and stress should this eventuality occur. Put away enough money to cover expenses for the next 18 months. Normally 6 months is sufficient but due to the market volatility and potential difficulty is finding a new job 18 months is more advisable at this time.

Preventing ATM Skimming Saint Petersburg FL

Skimming is one of the financial industry’s fastest-growing crimes, according to the U.S. Secret Service. The worldwide ATM Industry Association reports over $1 billion in annual global losses from credit card fraud and electronic crime associated with ATMs.

Preventing Social Media Identity Theft Saint Petersburg FL

Social media is just a baby and there are few, if any, checks and balances to prevent identity theft. Varieties of fraud that can occur via social media are only up to the imagination of the thief. Find out why this happen and what to do about it!

Prioritizing Debts After Being Layed Off Saint Petersburg FL

How do you prioritize your debt when you have been laid off in Saint Petersburg? What happens if you only have enough to pay the mortgage plus house bills and you have credit cards that you cannot pay? Will that create problems with your credit rating?

Program for ID Theft Victims Saint Petersburg FL

As soon as you suspect that you've been victimized, taking these steps immediately will help you clear your name and your credit. Bankrate's Tools & Resources provides work sheets, including a checklist for these steps.

Pros and Cons of Paying Bills Online with Your Credit Card Saint Petersburg FL

In a time-frazzled world, the idea of paying bills online using your credit card is appealing. Whether it’s utility bills, phone service, cable, insurance bills, or newspaper, more and more companies allow consumers to pay bills online with a credit card.

Pros of Using Home Equity to Consolidate Debt Saint Petersburg FL

A lot of people find themselves with far more credit card debt than they can handle. If you're in this situation, start arranging to refinance the debt into a home equity loan. Tax expert in Saint Petersburg explains why it can be a good thing to use a home equity loan to consolidate high interest rate credit card debt.

Protecting Yourself from Identity Fraud Saint Petersburg FL

Learn about identity theft and how to protect yourself from this growing problem. Learn, prevent, and protect yourself from identity theft.

Reasons to Bank Online Saint Petersburg FL

Online banking in Saint Petersburg has become increasingly popular, and many consumers have started to enjoy the benefits of banking online. There are many different reasons why people decide to opt for an online bank account, and in the space of around six years the number of consumers using online banking has more than doubled. Here are some of the top reasons for opting for online banking.

Rebuilding Credit after Credit Counseling Saint Petersburg FL

You'll have several choices of credit card offers, but the important thing is to not fall back into those bad old habits, says the Debt Adviser.

Record Credit Card Charge Offs May Offer Silver Lining Saint Petersburg FL

A charge-off typically happens in Saint Petersburg when a credit card account hasn’t been paid for 6 months or more. A credit card charge-off is a more serious default than a delinquency, in which a consumer is anywhere from 30 days to 180 days behind on their credit card payment.

Refinancing Your Auto Loan Saint Petersburg FL

Love that shiny new car you just bought but not the hefty interest rate you're paying? It's not well known, but yes, you can refinance your auto loan in Saint Petersburg.

Repaying Student Loans Saint Petersburg FL

Because student loans have such low rates, you can give priority to retiring higher-rate debts first, says the Debt Adviser -- but don't you dare stop paying them.

Reporting Forgiven Debt on Your Tax Saint Petersburg FL

Form 1099-C is a cruel surprise for people who thought that they were out from under a bad debt: The IRS considers it income.

Retirement Accounts for Newbies Saint Petersburg FL

In just four easy steps youthful wage slaves can effectively begin building up the wealth that will one day liberate them from their oppressive corporate overlords and flimsy cubicle walls and into the free-wheeling world of retirement.

Retirement Mistakes to Avoid Saint Petersburg FL

It really doesn’t take much to derail a retirement plan in Saint Petersburg. Many of the errors in planning for retirement are those of neglect, omission or panic. If you don’t know exactly where your retirement plan stands, get some advice to review your overall retirement options and give you some ideas where to start.

Retirement Plan on Track Saint Petersburg FL

With the significant fluctuations of the stock market in Saint Petersburg as well as the potential for a long-term economic down turn there are many things that need to be considered as you plan for retirement.

Retirement Planning Saint Petersburg FL

The problem with retiring in Saint Petersburg now is that since the market downturn, many people lost a hefty sum of money in their 401K due to their equity investments. So the question is: How much do you currently have available in your 401K and can you live on the pension and retirement funds during this recession?

Retirement Planning for 20-Somethings Saint Petersburg FL

It's easy to understand why retirement doesn't loom large on the horizon for 20-somethings. Young workers are more concerned with kick-starting careers, not ending them in the long-distant future.

Retirement Planning for People in Their 40s Saint Petersburg FL

Except life gets in the way. Talk to planners and they'll tell you that while the typical 40-year-old is keenly aware that he or she should save, too few have taken the necessary steps to adequately prepare for retirement.

Retirement Planning Strategies for Ages 50 and Beyond Saint Petersburg FL

If you're among the roughly six out of 10 individuals who has never tried to calculate what they need in retirement, do it pronto. Retirement savings planning tips for getting ready for retirement later in life with prudent saving and spending strategies.

Retirement Planning Strategies for Ages 50 and Beyond Saint Petersburg FL

Retirement savings planning tips for getting ready for retirement later in life with prudent saving and spending strategies.

Retirement Savings Credit Saint Petersburg FL

Contributors to retirement plans already know the long-term tax advantages of an IRA or 401(k) . Taxes are deferred, and in some cases never collected, on money put away for the golden years.

Risks for Borrowing Money Saint Petersburg FL

Loans between individuals are made all the time for various reasons -- whether to consolidate debt, start an emu farm or to add an observatory to the back of your home. They can be a great investment for the lender and a good deal for the borrower, provided the loan is paid back promptly and that meticulous care is taken to preserve the relationship.

Secured Credit Cards Saint Petersburg FL

Do you have no credit or poor credit? Need to establish or re-establish credit? Check out secured credit cards.

Seeking Debt Help Saint Petersburg FL

Many who are weighed down with debt opt first for self-help in Saint Petersburg. But sometimes you just can't do it alone. Here's how to tell when you need to call in a financial fitness expert.

Steps to Becoming Debt Free Saint Petersburg FL

Here is some guides to getting out of debt and staying out. If you are just in the trouble of debt, never hesitate to try some suggestions listed below.

Subprime Loans Saint Petersburg FL

People should weigh the pros and cons before getting a subprime mortgage. They carry rates high enough to double total interest costs, though they may help people rebuild troubled credit histories in Saint Petersburg.

Supporting Charities Saint Petersburg FL

Besides the opportunity to reach out and spread goodwill, are there any good reasons why you should continue to support a charity’s goals? Find out about supporting charities and what you will want to consider.

Tips for Finding Mortgage Lenders Saint Petersburg FL

For most would-be borrowers in Saint Petersburg, the challenge is not in finding a mortgage lender, but in sorting through the throngs of banks, online lenders, mortgage brokers and others eager to take your loan application. How do you choose which one will offer you the best deal, and competent customer service to boot?

Tips to Prioritize Your Bills and Expenses Saint Petersburg FL

If you need your car to get to work or for other essential transportation in Saint Petersburg, rank your car payment just below food, medical expenses, utilities and housing costs on your priority list. You may want to pay your car payment first, if your car is essential to holding onto your job. Stay current on your insurance payments as well.

Understanding Mortgage Contracts and Terms Saint Petersburg FL

As you read reports of borrowers who were surprised when payments on their adjustable-rate mortgages shot up from introductory teaser rates in Saint Petersburg, or who were thwarted in their attempt to refinance because they discovered that their current loan has a stiff prepayment penalty, you might start to wonder if any such surprises lurk in your own mortgage.

Using Home Equity Saint Petersburg FL

Tapping the equity in your home when you need cash could be a good idea, but it needs to be carefully considered. This chapter will explain the pros and cons of using refinancing your home, taking out a home equity line of credit (HELOC) or a home equity loan.

Using Home Equity to Consolidate Debt Saint Petersburg FL

Using home equity to pay off bills and make major purchases always looks good on paper; that's why so many folks are doing it. How can you argue with lower monthly payments, tax-deductible interest and no more credit card debt? It's easy when you're the Dollar Diva.

Ways to Get Credit Help Saint Petersburg FL

What is the best ways to consolidate your debt? A debt consolidation loan can be dangerous if you don't change your habits. Read on to find out more.

Ways to Tame Debt Saint Petersburg FL

Here are steps that certified credit counselor Bruce McClary uses to defang debt problems for his clients at Clearpoint Financial Solutions. Read on to see if you can apply them to your financial situation in Saint Petersburg.