I was not a happy camper when I got my insurance bill in the mail. I had been a customer of that insurance company for nearly six years, and not once had I ever made a claim. That is why I could not understand why my premium was going up for the third time. My car was getting older, so I thought it should be going down. I was not happy with the answers I was getting when I called them, so I decided to shop around. That is how I found the Niceville insurance company that I now use. More…

Sometimes people don’t pay their debts and it’s a real shame. You give people the benefit of the doubt that they will be able to pay their debts, but things don’t always work out the way the debtor and creditor hope. Sometimes circumstances will interrupt the income of the debtor. There are other times when the debtor will just try to skip out on paying. In either case, debt collection firms are hired to make sure that the debtor fulfills their end of a payment agreement and provides the money. Since I am a business owner, I wanted to make sure that I had a firm that would collect debts for me the right way.

Because some firms want to do everything they can to get the money from debtors, they can sometimes use tactics that are less than ideal, such as harassing the debtors until they finally start paying. Having come from a poor family, I’ve heard these calls many times and have seen how much they scared my poor mother. That’s why I took great care when selecting the firm for my company, because I didn’t want to be the reason behind another firm sending predatory calls to customers.

Using reviews, I confirmed the track record of the company I was hiring to see that they were on the level with their collection practices. They were successful without resorting to dirty tactics that would scare people and hunt them down. After putting their services to use, my debtors finally made contact with me and arrangements to pay what they owed me. I understand that they can’t pay the money in total right away and was perfectly fine with accepting it in smaller increments. As long as I get the money in the end, I don’t mind waiting just a little bit longer.

I paid off my house nearly three years ago, but I kept the same insurance company for my homeowners policy. I really didn’t think anything about it since I had just always paid it with my mortgage. When I was talking with a friend about insurance though, it came up. I was surprised when she told me the amount she was paying, because mine was a lot more. She told me I should do some research on different companies that provide homeowners insurance in Florida because I may be overpaying.

I knew that there was a chance that I just lived in an area that was higher for policy premiums because we can get some pretty wicked weather down this way. More…

I had no idea there was such a thing as payment plans for IRS back taxes that are owed, but it is true. I always heard horror stories about what would happen if you don’t pay your taxes. When I found myself in that position, a company that helps negotiate a plan for you really helped me out. Friends who knew of my plight told me about the company, and I called them within minutes of learning about what they could do to help me fix my predicament.

The way that I got myself into a mess in a first place is because there were some years that I did not pay what I owed at all. Actually, that went on for about 4 years. When I finally did start paying again, I did it haphazardly. More…

Ever since I was a child, it was my hope that I would one day work with animals. My parents had a small farm, and I can remember happy moments even as a toddler as I chased after my mother while she rushed through her daily chores each day with the animals. She never had to beg me to help, I wanted to help on my own. So, as an adult, I became a veterinarian. Sadly, I have a good number of customers who do not want to pay their bills. I recently employed Professional Recovery Consultants Inc. to help me out with this.

My decision to offer my customers payment plans goes back to when I was only 20 years old and had to take my pet to the vet one day. I had enough for the visit, or so I thought. But the vet told me that he would need to run a battery of tests to find out what was going on. The problem was that after being told how much the lab tests would cost, I knew I didn’t have enough money left over for any treatments if it came to that. Sadly, it did. More…

If you work a job for a living, you know what it is like to make ends meet. Some folks in my line of work refer to it as a career, but I think they are just deluding themselves. It is a job. There is no real security in it. We have had layoffs here several times in the last few years. I am at the top of the pay scale for regular employee labor here, and my wife and I still both work two jobs each. It is what it is. A couple of times we’ve needed cash loans to get us through to the next paycheck.

Every time it has been something either with the car, a major appliance, medical emergency or dental. More…

My youngest son has gotten himself into a fine mess. I guess I can’t blame him too much for this situation, but I am still annoyed bit it all. His wife recently attacked him while on drugs and he called the police. It is a pretty messed up situation, and she is in rehab now, and who knows what it is going to happen with regards to all of that. But I am stuck watching their kids for the time being and I am going to look for baby diaper coupons because I am going to have to buy a lot of diapers over the next couple of months.

I hope that I do not have to watch these kids for more than a couple of months, because it is a lot to take on. It is too much to take on, to be honest, and I wish that there was some way around it. More…

Not so long ago we decided that it was time to move house. The family had expanded and we needed more room for us all to exist happily together. Not long after the shift was finished and the unpacking completed, I realized that I was going to have to go shopping for a lot of new things. I was so excited when going through the circulars I found one that contained a bed bath and beyond coupon.

I hate having to shop around a lot of different place to get my list fulfilled, which is one of the reasons I love to shop at Bed Bath and Beyond. The exisitence of a second bathroom in our new home meant I needed to get a shower curtain, bathmats, towels and vanity accessories that are suited to our younger children. A much bigger kitchen means that we can now invest in some of those time-saving machines that I’ve always dreamed of having. A programable coffee machine and a waffle maker are at the top of my list. We have the bench space to support them now so I can become a breakfast queen! Now that the children have been separated out to their own rooms, I also need to get new bed linen that can suit their individual requirements and create a theme to each room, rather than a one-size-fits-all approach.

A Bed Bath and Beyond coupon can certainly add up to a considerable saving when you look at the amount of items that I currently need to buy. I have a feeling that at the end of the day when I pull up to the checkout counter with my loaded trolley, my wallet will thank me for the savings. I am so happy that for once I checked the circulars in the letterbox rather than throwing them out unopened.

Investing. I wish I had done more of it when I was younger but I had never played the market as much as even my young nephew does now – who is only 14! I find it an amazing thing that the next generation is being exposed to market investing on this scale. I firmly believe that it is going to help both the individual and the greater economy as more and more of them grow to take positions that matter with a better understanding how investment works. No doubt Warwick Associates will be looking for bright-eyed, intelligent young investors to fill their ranks from the cream of the crop.

A lot of these young investors are making the news; some of it good, some of it bad. It’s like the kid who recently claimed to have made millions of dollars from investing only to turn out to be a fake report. More…

I have just started trying to get in position where I can buy a house, but it is going to be a bit of a process. In fact I am not talking about much of a house. I was pricing out the sort of houses that would be good for a first time home buyer, so long as it was just one or two people with a good income. That sort of house does not cost a huge sum, a lot less than a really nice car. To get where I can think about it, debt consolidation and debt elimination would be the first step. Then I would obviously need to get to saving up the money that would be required to make a down payment. In fact once I get past that point the math on this starts to look really good. That is because the payment on a small house would be a great deal less than what I am paying in rent.

The idea that I do not like much makes a lot of sense. That would involve getting rid of a few things and making the move back in to my Mom’s basement. Obviously that would not be any fun, but it is pretty obvious that the money I am spending on my rent would very quickly pile up if I started to save it up. That is quite obvious. In fact I am paying a lot of money in rent at this place and it is not all that awesome of a place. If you took that rent check and used it to pay off the debts that I have it would quickly pay it down. In particular it would do a great deal of good if I started out with a real debt consolidation.

A significant portion of the human population likes to work very hard at their day jobs and to provide for the day to day needs of their family members. Obviously, they like to keep a portion of their income as savings for either their retirement times or unforeseen emergencies that can crop up at any time. Just having the desire to keep this money away by itself is not going to help them to invest it in the best manner.

There are various avenues for you to invest your hard earned savings. You can invest in land, shares, bonds, mutual funds, banks, gold, silver, platinum, diamonds etc. among a host of other lucrative and not so lucrative options. If an average Joe or Jane like you make this investment decision, the chances of you making a wrong decision and eventually losing the money is a serious possibility. More…

Globally, these are some of the worst financial times. Greece seems teetered on the brink of financial doom, with Spain poised to follow and who knows what other countries would cascade into the chain reaction. How would it effect United States markets? Is collapse eminent? The mere possiblity of these things alone burden every economy to the extent that they are constantly spiking up or down with every up to the minute report. A single tech company with stagnant earnings is enough to send Wall Street spiralling in fear. Consumers already in the grip of this prolonged recession seem more prone to nail biting and taking a wait and see approach, than to spending their way into a recovery. More…