Finding Your Way Home
If you’re buried by credit card debt, a negotiated debt settlement with your creditor may be worth checking into. Negotiated debt settlement is a general term for discharging debt in a way that appeals to the credit card holder and the card’s issuer.
It’s best to negotiate from a position of strength by not having submitted late payments or having missed them, which can cause a credit score to fall. If that happens, cardholders will likely have a harder time getting concessions in a negotiated...
Events and dinner parties are filled with delicious treats, but nutrition is still important. Keep these suggestions handy to make a more balanced plate.
TIP #1:
A quarter of your plate should be grains. Aim to make at least half of your daily grains whole grains. Whole grains contain vital nutrients, such as fiber and magnesium. Use the nutrition label to choose whole grain items that are lower in unhealthy fats and sodium.
TIP #2:
There are plenty of ways to fill a quarter of your plate with...
Consider the difference between receiving a text message and opening your mailbox to an envelope addressed to you. In an age when technology is the go-to communication method, a letter just feels more thoughtful and nostalgic.
During the holiday season, there’s no better way to show someone you’re thinking of them than with a heartfelt letter.
TOOLS OF THE TRADE
If you think one letter fits all, think again. There are various types of stationery (paper and envelopes) and pens to consider befo...
When Dieffenbach’s, a family-owned business that specializes in kettle-cooked potato chips, realized blemished potatoes were going to waste, it saw an opportunity in the market to embrace the imperfect potatoes and turn them into delicious potato chips, helping farmers and saving millions of pounds of potatoes.
When and where did Dieffenbach’s originate as a company?In 1964, Mark Dieffenbach started making his own potato chips on his kitchen stove in Berks County, Pennsylvania. His chips beca...
If you’ve been making on-time payments on an auto loan for a year or more, it may be a good time to consider refinancing the loan so that you can lower your monthly payments.
Refinancing shouldn’t cost you anything as auto loans don’t typically have a prepayment penalty and applying for a refinance has no application fee.
Even if you’re happy with your car loan, it can make sense to refinance. Here are some situations when refinancing is worthwhile:
Interest Rates DroppedIf interest rates are l...
An attic can be an ideal storage space, but if it’s not organized, it can turn into a total mess. If you’ve lived in your house for several years, chances are your attic has gotten cluttered and could use some organizing.
Get HelpIf the job is too big for you to handle yourself, ask family or friends to help. Talk about what you want to keep and what you want to get rid of and discuss ways to organize the space. You’ll need to make more decisions as you go through the cleaning process, but sett...
A cleaning binge or a simple walk through your house can turn up all kinds of items that you may want to toss in the garbage. Throwing them away, however, could be like throwing money away.
With a little effort, you could sell various household items online, at local consignment shops or during a garage sale, among other options. Below are some used items that probably take up extra space in your home, but could net you some cash:
ElectronicsOld cellphones, computers, tablets and other electron...
