http://www.artipot.com/authors/3979/william-blake/ Latest articles by William Blake from Artipot - your one-stop resource for free articles. http://www.artipot.com/articles/398376/government-tax-foreclosures-a-way-to-find-cheap-housing.htm A tax lien can be applied to a home by the federal or state government when a person has not been paying their taxes. The lien can later be used to take possession of the home or property if it seems that the owner is planning on evading taxes. Mon, 27 Jul 2009 16:07:43 +0000 http://www.artipot.com/articles/398376/government-tax-foreclosures-a-way-to-find-cheap-housing.htm http://www.artipot.com/articles/397793/home-foreclosures-more-than-just-bad-budgeting.htm For the past several years, the number of home foreclosures has been steadily increasing and it seems that there is little chance for the situation to improve itself. The people who are affected by home foreclosures are not just people who foolishly choose to blow off paying their bills. The reality is that they tend to be individuals who have had some bad experiences... Sun, 26 Jul 2009 16:23:39 +0000 http://www.artipot.com/articles/397793/home-foreclosures-more-than-just-bad-budgeting.htm http://www.artipot.com/articles/397785/dont-charge-it-use-cash.htm Today credit cards are all the rage. Everyone has one. No one pays cash for anything anymore. Some people don't even carry cash. Charging is the way to go. And the result? A lot of people drowning in credit card debt. The solution? Try using cash for a change. Sun, 26 Jul 2009 16:12:01 +0000 http://www.artipot.com/articles/397785/dont-charge-it-use-cash.htm http://www.artipot.com/articles/392557/some-very-practical-credit-card-debt-advice.htm Even though so called financial experts may sometimes disagree, the fact remains that credit is not something that is inherently bad. The problem is not the credit itself but rather the improper or uncontrolled use of credit. If you find that you have this problem you should not feel like you are the only one. In fact, the country itself has this problem. When national bills... Sun, 19 Jul 2009 15:11:22 +0000 http://www.artipot.com/articles/392557/some-very-practical-credit-card-debt-advice.htm http://www.artipot.com/articles/391999/saving-more-by-eliminating-extra-expenses.htm In our modern culture, people tend to feel as if they absolutely must own every single new product that arrives on the market. The truth, though, is that most of all of those cool new gadgets are completely unnecessary for life and really amount to nothing more than an extra expense for you. You can save yourself hundreds or quite possibly even thousands of dollars each and... Sat, 18 Jul 2009 09:34:28 +0000 http://www.artipot.com/articles/391999/saving-more-by-eliminating-extra-expenses.htm http://www.artipot.com/articles/388322/what-does-it-mean-to-consolidate-your-debt.htm Consolidating your debt means pulling all your outstanding debt together and turning it into one debt. One loan will be made to pay off all other debt and you will have one debt, one interest rate and one monthly payment. Mon, 13 Jul 2009 13:48:34 +0000 http://www.artipot.com/articles/388322/what-does-it-mean-to-consolidate-your-debt.htm http://www.artipot.com/articles/387598/how-to-avoid-debt-with-good-budgeting.htm If you've managed (or mismanaged) to get yourself into a boatload of debt, there are ways to insure that this never happens again if at all possible, and the cornerstone of these ways is a sound, well-thought-out budgeting program. While this may not seem like a very sexy answer to what appears to be a huge problem, it is in fact the most essential part of your future going... Sun, 12 Jul 2009 10:21:50 +0000 http://www.artipot.com/articles/387598/how-to-avoid-debt-with-good-budgeting.htm http://www.artipot.com/articles/382508/simple-steps-to-dealing-with-credit-card-debt.htm Regardless of what the news may tell you and leading economists may say credit in and of itself is not evil. It is the running up of credit you cannot afford to pay that gets you in trouble and this is also the kind of credit problems that the country experiences too. A deficit is when the country spends more than it has coming in and then has to extend its credit with banks... Sat, 04 Jul 2009 10:45:59 +0000 http://www.artipot.com/articles/382508/simple-steps-to-dealing-with-credit-card-debt.htm http://www.artipot.com/articles/379344/debt-recovery-means-learning-to-control-your-credit-cards.htm Most people who find themselves in debt are in the situation because they have misused credit cards. Unwise use of credit cards is one of the quickest ways to fall into debt. They are so easy to use. People easily fall for the trap of buy now pay later. Credit card interest is typically higher than interest rates paid on any other extension of credit. Compounding interest... Mon, 29 Jun 2009 14:23:18 +0000 http://www.artipot.com/articles/379344/debt-recovery-means-learning-to-control-your-credit-cards.htm http://www.artipot.com/articles/372085/using-the-internet-to-find-a-consolidation-loan.htm Debt is a stressful thing for many people - some can get things under control themselves while others need assistance. For many people, one of the most effective ways of getting their debt under control is to use a debt consolidation loan. Tue, 16 Jun 2009 21:47:35 +0000 http://www.artipot.com/articles/372085/using-the-internet-to-find-a-consolidation-loan.htm http://www.artipot.com/articles/304935/are-you-good-with-money-your-children-will-be-too.htm Parents have a big responsibility to set a good example for their children in every aspect of life. All children imitate what and who they see. Because they spend more time with their parents than anyone else that is who they will imitate the most. This includes imitating their parents spending habits. Sun, 15 Mar 2009 22:17:55 +0000 http://www.artipot.com/articles/304935/are-you-good-with-money-your-children-will-be-too.htm http://www.artipot.com/articles/304473/debt-settlement-what-does-that-mean.htm When you are in debt over your head and you know there is no way out on your own you may be need to think about trying to reach a settlement with your creditors. Your situation is not unique. Most people have found themselves with financial difficulties at some point and sometimes settlement is the best option. Debt settlement is a serious step, however, and should be... Sat, 14 Mar 2009 17:51:27 +0000 http://www.artipot.com/articles/304473/debt-settlement-what-does-that-mean.htm http://www.artipot.com/articles/296883/college-tuition-solely-a-parents-responsibility.htm High school graduation is upon you and your child wants to take the next step. College is not cheap these days. The costs continue to rise each year. This fact has some folks asking, should college students pay for their education? Thu, 05 Mar 2009 01:05:44 +0000 http://www.artipot.com/articles/296883/college-tuition-solely-a-parents-responsibility.htm http://www.artipot.com/articles/296511/get-control-of-your-spending-habits.htm Credit card companies are really good at luring people where they don't want to go. None of us sets a goal of being buried under a mountain of credit card bills. However, the credit card companies keep offering us those buy now pay later deals that seem to be too good to be true. We just can't say no. But that is exactly what we need to learn to do. Wed, 04 Mar 2009 18:40:06 +0000 http://www.artipot.com/articles/296511/get-control-of-your-spending-habits.htm http://www.artipot.com/articles/292502/ditch-the-credit-cards.htm The society of today is built on plastic - the "charge and go" kind. It makes you wonder what people did before credit cards were invented! With those plastic wonders has come a mountain of debt. If this applies to you, to keep that debt from growing any larger consider giving your plastic the boot. Fri, 27 Feb 2009 11:03:29 +0000 http://www.artipot.com/articles/292502/ditch-the-credit-cards.htm http://www.artipot.com/articles/290902/foreclosures-homes-frequently-available-bargain-prices.htm When the owner of a home has become unable to continue making payments on their mortgage, the home is often resold at a low price by the lending agency involved. This is because they want to make as much money back on this failed loan transaction as possible; they are not overly concerned with getting a big profit. Wed, 25 Feb 2009 16:31:26 +0000 http://www.artipot.com/articles/290902/foreclosures-homes-frequently-available-bargain-prices.htm http://www.artipot.com/articles/290188/not-all-home-foreclosures-can-be-blamed-on-inept-budgeting.htm For the past several years, the number of home foreclosures has been steadily increasing and it seems that there is little chance for the situation to improve itself. The people who are affected by home foreclosures are not just people who foolishly choose to blow off paying their bills. The reality is that they tend to be individuals who have had some bad experiences... Tue, 24 Feb 2009 17:32:11 +0000 http://www.artipot.com/articles/290188/not-all-home-foreclosures-can-be-blamed-on-inept-budgeting.htm http://www.artipot.com/articles/289247/dont-pay-for-a-credit-repair-sample-letter.htm Some people are frightened into purchasing things that they could easily get free of charge. They feel desperate and need help and think that the only way they can get the help they need is to pay for it. A credit repair or cease and desist letter is a good example of something that people may desperately need but do not have to pay for. You do not have to buy a full credit... Mon, 23 Feb 2009 10:05:53 +0000 http://www.artipot.com/articles/289247/dont-pay-for-a-credit-repair-sample-letter.htm http://www.artipot.com/articles/288221/how-do-credit-counselors-help-you.htm It is not unusual for a person to be shouldering much more debt then he actually can handle. Most people have a sizeable amount of debt that they deal with each month and for some it eventually gets out of hand and impossible to maintain. For those people credit counseling can offer some assistance. What can a credit counselor do for you? Sat, 21 Feb 2009 08:14:02 +0000 http://www.artipot.com/articles/288221/how-do-credit-counselors-help-you.htm http://www.artipot.com/articles/286337/living-beyond-your-means-a-very-common-trend.htm It is a very common practice for people to buy things that they don't have the money to pay for. They may charge it and then find themselves in debt for months or years trying to pay for it. Or they may play the game of beat the check to the bank. This is the common trend of living beyond ones means. Wed, 18 Feb 2009 18:35:17 +0000 http://www.artipot.com/articles/286337/living-beyond-your-means-a-very-common-trend.htm http://www.artipot.com/articles/280198/learning-how-to-buy-foreclosures.htm If an individual who has taken out a loan defaults on it, the lending agency that gave the loan wants to be able to recoup their losses from the unpaid loan. One way they do that is by means of foreclosure, a process by which property is taken over or sold. This potentially devastating process happens all the time to people who have purchased homes. Sun, 08 Feb 2009 15:09:04 +0000 http://www.artipot.com/articles/280198/learning-how-to-buy-foreclosures.htm http://www.artipot.com/articles/277404/credit-repair-company-how-to-start-your-own.htm It is very usual that people, when they first start considering starting a credit repair business usually have little idea about what it takes to repair a bad credit. However, starting a credit repair business is quite simple and you can even do it out of your home. Most people after they have started a credit repair business will be amazed at how simple the whole thing was... Tue, 03 Feb 2009 10:48:02 +0000 http://www.artipot.com/articles/277404/credit-repair-company-how-to-start-your-own.htm http://www.artipot.com/articles/277383/credit-inquiries-how-they-affect-your-credit-history.htm Anyone that wants to offer you a line of credit or a loan will check your credit history before following through on the deal. All of these pre-qualified offers you get in the mail stem from someone running a credit check. Each one of these checks or inquiries can have an impact on your credit history, and ultimately on your credit score and your ability to borrow money or... Tue, 03 Feb 2009 09:34:35 +0000 http://www.artipot.com/articles/277383/credit-inquiries-how-they-affect-your-credit-history.htm http://www.artipot.com/articles/276497/steps-to-repair-your-credit.htm Having bad credit is a problem that will really affect every aspect of your life. Many of your hopes and dreams will be unattainable if you have bad credit. Even taking care of life's necessities becomes more difficult if you do not have good credit. Sun, 01 Feb 2009 23:06:01 +0000 http://www.artipot.com/articles/276497/steps-to-repair-your-credit.htm http://www.artipot.com/articles/275150/tips-on-how-to-get-your-own-credit-repair-business-off-the-ground.htm These are difficult financial times that we are caught in. Many people are without work and lenders are not extending credit as readily these days. These circumstances are making credit repair a necessity for many and credit repair business a good business to be in. Thu, 29 Jan 2009 22:24:50 +0000 http://www.artipot.com/articles/275150/tips-on-how-to-get-your-own-credit-repair-business-off-the-ground.htm http://www.artipot.com/articles/274383/government-tax-foreclosures-can-result-in-cheap-housing.htm A tax lien can be applied to a home by the federal or state government when a person has not been paying their taxes. The lien can later be used to take possession of the home or property if it seems that the owner is planning on evading taxes. Wed, 28 Jan 2009 20:26:58 +0000 http://www.artipot.com/articles/274383/government-tax-foreclosures-can-result-in-cheap-housing.htm http://www.artipot.com/articles/273269/looking-for-good-credit-repair-software-see-what-others-think.htm Bad credit is a common problem and there are thousands of people out there looking for help. Credit problems are a very private matter and most people don't want to make it public that they are having trouble. That is why credit repair software has become so famous. The advertisements are everywhere for latest and best in credit repair software that can help people turn... Tue, 27 Jan 2009 08:53:31 +0000 http://www.artipot.com/articles/273269/looking-for-good-credit-repair-software-see-what-others-think.htm http://www.artipot.com/articles/272814/do-debt-consolidation-services-really-work.htm In an ideal world we would all be able to handle our expenses with no help from anyone. We would only have the amount of debt that we could easily pay back. Unfortunately, we do not live in an ideal world and when the unexpected happens sometimes we end up in over our heads financially. Mon, 26 Jan 2009 14:44:40 +0000 http://www.artipot.com/articles/272814/do-debt-consolidation-services-really-work.htm http://www.artipot.com/articles/272444/the-essentials-of-estate-planning-retirement.htm Your retirement is one of the most important things you will ever plan for. It means enjoyment and peace of mind for you in the future. However you want your family to have that same peace of mind even after you are gone. Sometimes it is difficult to think about death and leaving your family. But it is important to be financially prepared so that in addition to the grief... Sun, 25 Jan 2009 12:37:43 +0000 http://www.artipot.com/articles/272444/the-essentials-of-estate-planning-retirement.htm http://www.artipot.com/articles/268521/yes-you-can-get-involved-in-early-retirement-planning.htm There are so many people who work hard day in and day out for 40 plus years only to end up frustrated and depressed because they retired with little or nothing to show for their years of hard work. Early retirement is something to be considered if you would rather not still be working when you are 65 or maybe even older. Sat, 17 Jan 2009 13:49:03 +0000 http://www.artipot.com/articles/268521/yes-you-can-get-involved-in-early-retirement-planning.htm