Living debt free is freeing say these Towne West workers
Lois Winter and her husband Cliff live debt free aside from a home loan and advocate living within means. A Gallup poll links financial tension to over half of divorces, while counselors warn debt shapes lifestyle. The Winters budget by month, saving portions of income to cover annual expenses and unexpected costs.
MENTIONED IN THIS ARTICLE
Lois Winter
Kmart
Towne West
Kin
Cliff
St. Andrew's Lutheran Church
Gallup
George Fooshee
Crown Ministries Inc
Frugal Living Tips Highlight Budget Smart Practices
A dated compilation offers money saving ideas from recycling Christmas cards to planning errands in order to cut costs. It shares consumer tips on groceries, clothing, house pets, and debt payoff, citing Jeff and Kristy Watkins who achieved debt freedom after adjusting spending and adopting a needs over wants mindset.
MENTIONED IN THIS ARTICLE
Jeff Watkins
West High School
Kristy
Crown Ministries
Kristy Watkins
New FTC rules to curb telemarketing harassment
New regulations take effect December 31 empowering the FTC to seek up to 10000 dollars per violation when telemarketers ignore opt out requests. State attorneys general may block habitual offenders nationwide, with disclosures required at call start and preauthorization for bank debits.
MENTIONED IN THIS ARTICLE
Poconos
PTC
Mary Ponder
Consumer Federation of America
FTC
Attorney General's Office
Budgeting guidelines for family spending categories
This column outlines suggested ranges for housing utilities food essentials medical clothing recreation savings debt. Transportation ranges from 6 to 20 percent of net pay and includes auto payments gas insurance repairs and transit costs. Savings should be 5 to 9 percent and debt avoidance urged.
MENTIONED IN THIS ARTICLE
Altera
Protect Yourself When Buying a Home Not Yet Built
Consumer guidance from the Better Business Bureau outlines steps to avoid risks when purchasing a pre construction home. Check land plans and zoning, review developer history, inspect model homes, scrutinize contracts, verify HOA rules and fees, keep deposits small, visit sites, and lock in mortgage rates with lender guidance.
MENTIONED IN THIS ARTICLE
Better Business Bureau
Community Associations Institute
Self-help books offer guidance on money and success trends
A sampling of recent paperbacks covers retirement investing, breaking through mental barriers, real world finance for beginners, and parental financial planning. Titles include Straight Talk About Investing for Your Retirement by Dian Vujovich, How to Survive in the Real World by James Lowell, Making It Big in America by Michael Wood, and The Parents Financial Survival Guide by Theodore Hughes and David Klein. Prices range from 10.95 to 15.95, publishers include McGraw Hill, Prima Publishing, Penguin Books, and Facts On File.
MENTIONED IN THIS ARTICLE
America
Dian Vujovich
McGraw- Hill Inc
Michael Wood
Wood
England
Lake Forest
Calif
Prima Publishing
James Lowell
Penguin Books
Theodore Hughes
David Klein
Free booklets offered on retirement planning in 1980s notice
The Institute of Certified Financial Planners in Denver offers two free booklets including Considerations for a Comfortable Retirement to help calculate retirement income. Scudder, Stevens & Clark in New York provides free copies of How to Invest A Guide for Investors Aged 50 and Over. A federal Retirement Protection Act requires notices to employees about underfunded pension plans. PBGC guarantees cap and contact details for obtaining Your Guaranteed Pension.
MENTIONED IN THIS ARTICLE
Institute of Certified Financial Planners
Denver
Scudder, Stevens & Clark
New York
Penston Benefit Guaranty Corp
PBGC
PRGC
YGP
Pueblo
Colo
Also Mentioned on This Page
Laelia
Stacey Beatle
Stam
Knight-Ridder Neverpapers
Knight-Ridder
National Artar Day Foundation
Arbor Ave
Nebraska City
Brown
Eevee Cirenter Leasing Corp
Kiplinger's Magazine
Federal Trade Commision
Allen Hile
Michael, Roberts Associates, Inc
Ree
Mannix Regie
Fidelity Investment Corp
Holiday Inn
Buckley Road
Syracuse
Julie
Cadaver,Gram Co
ASD
Comant Financial Services
IMC
Eredey
Conant Ias Carmil Rew Tod
Kan
Deva Dolen
Lobielbebnend
Sharon Patchett
Consumer Credit Counseling Service
Central New York
Salina St
Metro
Jeanne Casinella
James St
Suite
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