Vanguard in Action

If you read any personal finance, investing or money related blogs I am sure you have heard about Prosper Loans. In fact, I am guessing you have probably read about them more than you care to. In the unlikely, event that you have no idea what I am talking about let me briefly explain.

However, before I do I should note that I have never actually used Prosper or any other Peer-2-Peer lending service as either a borrower or a lender for reasons that will become apartment below. The following is my opinion only and you can take it or leave it as you wish. Ok, so what am I talking about?

Prosper and other similar companies like Lending Club, have pioneered a unique lending system, usually called Peer-2-Peer or P2P lending. Instead of borrowing money from a bank you can borrow money from individual lenders or more commonly a group of lenders. Think of it as Napster except for loans (although you are supposed to actually pay your loan back) Read the rest of this entry »

Cars have become a necessity in the United States. Unlike, Europe or parts of Asia such as Japan there are not as many public transit options available here. Thus, you most likely need a car for your daily needs and business.

However, with gas prices approaching or even surpassing $4/gallon in some states you want to make sure you get the best deal available on any car you purchase. The good news, at least if you live in the Atlanta area, is that Jim Ellis is here to help.

Jim Ellis is among the leading Atlanta car dealers and he can always get you a good price on new or used cars. His dealership has cars made by Audi, Chevrolet, Hyundai, Mazda, Porsche, SAAB, VW and more. Moreover, if you can find where Jimmy is, you can win a two year lease on one of Jimmy’s cars.

If money is tight these days because of your current economic situation you may want to look into a pre-owned vehicle. You can still get great cars that are only a few years old. In fact, Jim Ellis is a leader in selling used cars as well new ones.

What’s even better from a loan point of view is the fact that Jim Ellis has his own finance center that can meet your needs. With banks becoming ever more restrictive with their lending practices this can really help you out if you need to borrow.

Therefore, if you live in Atlanta or really anywhere in Georgia and you are looking for a new or used car you should give Jim Ellis a visit. All the cars you need in one place at the right price for you. As they say you can truly “Expect the Best” when shop with Jim Ellis for your car.

With the price of commodities such as gold and oil reaching all time highs, people are looking for the next hot market. Many people have chosen to invest in silver in the hope that it will be the next big thing. Want to buy silver but don’t know where to start?

Why not try goldmoney.com one of the easiest ways to buy silver online. They are a secure way to purchase gold and silver right from your own home. Best of all they are free to join (of course you still have to pay for any silver or gold you choose to buy)

One of the biggest worries many new investors in commodities have is that their investment is safe. With goldmoney.com you can be sure that any silver you buy is actually in a secure vault in the amount purchased. Moreover they have anti-theft insurance meaning your investment is safe.

Better still is the fact that you can even use your gold or silver to buy things online from participating websites. This can save you significant amounts of money from international exchange rates. No more worries about the declining value of the American Dollar.

So if you want an easy and secure way to buy silver I highly recommend you check out goldmoney.com. It has never been easier to invest.

People in debt become unhappy as they begin to realize paying back money that’s owed is not going to be easy; for many people admitting the problem is the hardest part, but it must be done otherwise the situation will never improve. A debt relief solution might save your home, possessions and a great deal of stress. In this consumer driven world in which we live it is actually hard work to keep your head above water but if you are in debt you need to start managing it now.

Do not let panic over the situation rule your actions as you will probably end up in a worse predicament. Even if you have taken out a large loan perhaps to pay off previous debts, it is imperative that you continue to pay if you want to clear the outstanding balance.

The easiest way to approach this is to calculate everything you have to pay out regularly both necessities and those inconsequential items that mount up each month. Cut your credit card usage, then start paying for goods in cash again and the psychological act of seeing the money physically leave your hands will make you more careful how you spend it.

When your list is complete you will see clearly where you will have excess cash which can be placed in a debt relief fund that will pay off debts one by one and as money is paid off, more will be available for your fund. Placing restrictions on how much entertaining you do whether it is a complete stop of all restaurant meals or a dramatic reduction you will ensure your fund grows faster. Read the rest of this entry »

Or, to put it more simply, “why I have no sympathy for people who have had their homes foreclosed as a result of the sub-prime mess.” Now, a lot of digital ink has been spent writing about the current financial state of the United States.

Everyone is blaming everyone else for their problems and not taking a hard enough look at themselves for their own problems. At, the end of the day we are in the current situation because millions of Americans ignored their own better judgment and took on loans they knew they could not afford.

The current situation is a perfect example of cognitive dissonance at work. People just ignored the idea that you can’t get something for nothing (or almost nothing) and instead took on loans to buy real estate they could not ultimately afford.

Like all financial bubbles this one has now burst and the finger pointing and name calling is well under way. What we see now, is a perfect example of projection, or blaming other people for our problems. Read the rest of this entry »