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Though only five years old, Mint.com has quickly established itself as a highly recognized personal finance management web-service. For the uninitiated, Mint.com has been listed by Time Magazine as a top-50 website for the last three consecutive years and is the winner of the Webby Award for Excellence on the Internet for Best Financial Service in 2009, 2010, and 2011, beating out financial news giants CNNMoney, NY Times Dealbook, Nerdwallet and Yahoo! Finance.

Mint.com allows its users to aggregate their banking accounts, investments, insurance policies, IRAs and mortgages into its management system which automatically provides up-to-date categorization, support and tools for budgeting analysis and bill reminder services. Their services are essential for those wanting to take control of their financial lives and improve their credit scores. Best of all, Mint.com is completely free.

The site was conceived by Aaron Patzer in 2006 after quitting his day job as a software architect to develop a method for analyzing numerous financial documents with high accuracy.

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More and more, people are accumulating debt and in need of credit repair. This phenomenon has affected people from varying backgrounds, from the poorest individuals to families with stable incomes. Although all kinds of people accumulate debt, there are still prominent stereotypes that have no basis in truth.

One common myth is the idea that people who gain debt are inept or unintelligent. Unbeknownst to many individuals, there are justifications for why debt accumulation happens. Here are some of the reasons why people seek credit repair help in their lifetimes.

The cost of education in todays society is higher than it has ever been in history. The standard tuition for an undergraduate degree can set people back tens of thousands of dollars. The amount of money spent is increased by an exponential amount when one factors in accommodations and food. Some of the more prestigious schools charge double the amount of state institutions which places an enormous burden on the shoulders of the students parents.

Some parents then have to borrow money from financial institutions in order to keep their children educated. Read more…

Tags: Credit Repair, Repair

The GOP members, of course, are casting it as a Dem problem. For example, Hensarling (a very far right member of the group, from Texas) blamed the Dems for not accepting the Toomey proposal for a piddling $300 billion in new tax revenue.  With Supercommittee Deadlocked, leaders Reid and Boehner meet. 

The across-the-board cuts would cut Defense by $500 billion.  Various GOP members of Congress have said they want to change the deal to avoid the cuts to the military.  Tea Party favorite and radical right-winger Jim DeMint has essentially admitted that he never intended to stick with the sequester deal, saying that the GOP has “until next election to fix this thing.”  GOP stalwarts want the US to maintain its exorbitant spending as “the world’s only military superpower” even while being willing to cut health care and pensions to the vulnerable and even while the country’s infrastructure–essential for business–crumbles in ruins.  McCain and Graham urged the Senate to reject the sequester of military funds, fearful it would “set off a swift decline of the United States as the world’s leading military power.” Dems gain upper hand in deficit talks, The Hill (Nov. 16, 2011).  Th

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Losing sleep over how you’re going to pay for college? I’ve been there. Not every family has the savings or resources to support their college-bound students. The good news is, many people have survived paying for school themselves and there are a ton of resources out there. Here are a few things to look into:

1.    Fill out the FAFSA. When trying to get aid for college, filling out the Free Application for Federal Student Aid is the place to start. You’ll receive a financial aid package that could include a lot of the elements below, based on need. 2.    Get scholarship savvy. Free money—it’s out there for everyone from violinists to aspiring physicists. To research the scholarships available,  click here. 3.    Go grants. More free money! Grants, unlike loans, do not need to be paid back. There are several sites listing available grants and how to apply for them, like this one. 4.    Say yes to work. Participating in the federal work study program or holding down a part-time job while you are in school can help you cover costs and get valuable experience. Find out about the U.S. Dept. of Ed’s program or sea

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Tags: College

Most people do all they can when it comes to credit repair.  They pay their bills and try to keep their credit cards from making the wrong charges, but for some reason, their reports and scores never quite seem to work out as well as they hope.

To help you make some sense out of what may going wrong with your attempts at restoring your credit, the leader in San Diego credit repair services has put together a list of 5 of the top mistakes just about everybody makes in their efforts to repair their bad credit.  Check these off as what not to do when getting your finances back on track:

Closing credit cards. Despite your initial instinct when faced with a poor credit history, closing your credit accounts is actually not the best idea for credit repair.  Doing so will switch them to inactive, which means they’re now essentially dead weight and will eventually fall off your report, leaving you with a smaller credit history.  Having a shorter history can make you look less financially responsible than you are; it’s like you erased that hard work for nothing.

Late or missed payments.