Making money is only part of building wealth. Families also need to consider how they will use credit, real estate, investments, and savings to build a net worth that will allow them to pursue their dreams and protect their loved ones.
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A well-timed home equity loan can allow you to use your biggest asset to successfully navigate a major life change event. A home equity loan or line of credit can be used to upgrade your home, send a child to college, invest in a new business, or consolidate debt among other things. But the world of home equity loans is rampant with fraud and abuse. In a worst-case scenario, you could even lose your home. This article from the Federal Trade Commission highlights the deceptive practices you should watch out for when considering a home equity loan. |
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On July 1, 2006 the variable interest rate on Stafford loans issued between 7/1/98 and 6/30/06 will be automatically reset. If you have already graduated, the rate will be reset to 7.14%. If you are a parent with a PLUS loan, the new rate will be 7.94%. If you are still in school, the new rate will be 6.54%.
You may be able to avoid this automatic increase if you consolidate your school loans.
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How you use your first credit card can determine your credit for decades. Many young people with their first card make simple mistakes that will quickly lead to higher interest rates and lower credit scores. Here are a few tips for playing the credit card game right from the beginning. |
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You may have heard about secret shoppers who get to shop for free while quietly taking note of whether employees are being naughty or nice. But is it really possible to get paid to shop? While you probably won't make the equivalent of a full-time job, being a secret shopper CAN bring in crucial extra funds for stay-at-home moms and college students. Cautions are always in order - watch out for scams, and don't pay more than $50 to get involved with a program.
Learn more about being a secret shopper from someone with 7 years of hands-on experience. |
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Wealth
