Articles from Noreen Ruth | Selfgrowth.com

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    • Paying Down The Debt - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Far too often individuals think getting out of debt will be complicated. The fact is getting out of debt is quite simple in thought, spend less and increase the size of payments towards credit accounts. It’s that easy…in theory. While the idea is basic, the implementation of this plan can be ...
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    • Campus Life: Students Managing Money - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      The tips in the following article will go beyond the previous article. We will move past the larger, more immediate issues of a student money management, into long run tactics that may make a huge difference. These tips may not create an immediate impact, but may be the difference maker in ...
      Views:1292
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    • Five Institutions that Check Your Credit Report - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Consumers with a credit history have separate credit reports compiled by the three nationwide consumer-reporting agencies. By reviewing these documents, a lender can tell how responsible an individual is with their finances and help them determine whether to extend additional credit. Just as ...
      Views:1311
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    • Money Management Skills for College Students - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Regardless of where you are on the college journey, it’s important to learn good money management skills. In fact, it should be a priority. The college years are often the first opportunities for many to be independent and also the first time having to deal with bills, saving and debt. Students ...
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    • How will the Downgrade affect your Credit Cards? - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      The result of the S&P downgrading the US Treasury Bond score basically labels the United States as a higher risk borrower. One of the results of this action will possibly increase the interest rates of global creditors lending to the US and increase the return to those investors. This is ...
      Views:1242
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    • Traveling with Credit Cards - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Whether your traveling for business or pleasure, a credit card or two is essential to bring along for the ride. Taking advantage of the perks and protections by using credit cards over cash is a smart decision to make. Here are a few things to keep in mind when traveling and using your credit ...
      Views:1297
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    • Choosing Your First Credit Card - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Caution should be used by anyone looking to get started with his or her first credit card. The industry provides a ton of different offers geared towards beginners, along with many attractive offers that should only be used by the more experienced credit user. First time card holders will have ...
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    • Credit Cards for Students - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      The seriousness of credit is something our youth should learn early. The idea of borrowing money is something that should not be taken lightly. The government is also viewing the business of credit in this way. The Feds now require a co-signer or proof of income for anyone under 21 requesting a ...
      Views:1349
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    • Credit Card Rewards for Charity - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Reward credit cards provide people with an opportunity to get a little extra by simply using credit for purchases. While there are tons of different personal rewards available for consumers to choose from, some individuals selflessly use the rewards programs to earn extras for charity. Chances ...
      Views:1508
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    • Down Side of the Credit Card Act - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      The Credit Card Act has been in place for over two years now and we are now starting to see some of the effects of passing this into law. There have been both positive and negative consequences taking place since this legislation. On the plus side, the industry has become a bit more transparent ...
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    • Overcoming Compulsive Spending - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Emotions can have an immense impact on the way you spend your money. And the emotions that can affect shopping habits run the gamut from happiness, sadness, frustration, anger and you name it; it may trigger a desire to buy something to fill the void, stop or extend the feeling. The only way to ...
      Views:801
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    • Putting an End to Credit Card Solicitations - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Signs that credit card providers are once again establishing a foothold after the most recent banking debacle can be seen in the increase of credit card offers being mailed out. These credit card issuers must find ways to build up revenues after taking huge losses from the new regulations that ...
      Views:783
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    • Phishing and Vishing Identification Schemes - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Protecting ones self from the constant development of new scams requires consumers to be vigilant in protecting credit and financial information from getting into the wrong hands. The credit card industry in the United States alone has as estimated $8.6 billion in fraudulent charges annually. ...
      Views:793
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    • Three Credit Card Benefits to Stay Away From - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Credit card holders are offered many perks in an attempt to lure individuals into being customers for the long haul. Most of these benefits are provided to holders for free, but are not always the “perk” they seem to be. While some benefits may actually be help, here are three you should ...
      Views:701
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    • Negatives of Store Credit Cards - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      It’s becoming more common for customers to use a charge card for all their shopping needs. While using plastic is not necessarily a bad thing, there are major differences in the type of plastic that is being used. There are two main categories that cards fall into; major credit cards and retail ...
      Views:871
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    • What should you pay first when you’re overwhelmed by debt? - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      It can be difficult to decide what is the most important debt to pay off first when your dealing with such a vast array of choices; credit cards, mortgage, school loans, secured and unsecured debt. Prioritizing which one to pay first will help you to avoid making the situation worse. This is ...
      Views:957
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    • Benefits of having a Credit Card - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Are you currently debating whether or not to get a credit card? Keep in mind its irresponsible use of credit cards that gets people in trouble. While the potential to do damage is there, the advantages of carrying a credit card may be enough sway you in the direction of applying for one today. ...
      Views:757
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    • How to Handle a Debt Collection Call - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      A feeling of hopelessness can sometimes prompt a person to stop making payments on an overdue account. This action is never a good choice. Your creditor will send the delinquent account off to a collection agency once they have exhausted themselves trying to get you on track. Its important to be ...
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    • Understand Credit Health by Mail - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      The mail lenders are choosing to send your way is a unique way to gain perspective on how well your handling credit. The old school mail service continues to be utilized by companies to send bills, invoices, collection letters, offers and other business matters. Are you getting credit card ...
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    • How Unused Credit Cards Effect You - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      There are a variety of reasons a person may have multiple credit cards accounts open. Some are attracted by the offers, low interest rates and even saving money by transferring balances onto a new, low APR credit card. Is it best to close the old accounts or keep them active? What effect will ...
      Views:723
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    • The High Costs Associated with Debt Protection is studied by the Government - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Receiving help with repaying a debt without giving up their home or ruining their credit score is something consumers do have in common. This is equally true regardless if the debt is from credit cards, taxes or loans. A good number of people often turn to the lender for help when it comes to ...
      Views:726
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    • Understanding the Differences Between Credit Score and Credit Report - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      Contrary to the misguided idea of credit reports and scores being the same, they are very different financial factors. It’s important for all people to gain a true understanding of what each of these aspects of personal finance are and how they differ. Each of these factors will impact your ...
      Views:832
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    • Is it true love? - by Noreen Ruth
      Submitted on Jan 30, 2013 from Noreen Ruth
      It's one of the universal questions no matter where in the world you live, whether you're a teen or a senior, male or female. "Is this love?"- a futile question except for the one asking. Only he or she can provide the answer. And when emotions are involved, answers are never simple. Subtle ...
      Views:1388
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    • Convincing yourself doesn't win an argument - learn to fight fair - by Noreen Ruth
      Submitted on Jan 31, 2013 from Noreen Ruth
      Comedian Phyllis Diller once said, “Never go to bed mad. Stay up and fight.” Or another bit of her advice, “My recipe for dealing with anger and frustration: set the kitchen timer for twenty minutes, cry, rant, and rave, and at the sound of the bell, simmer down and go about business as usual.” ...
      Views:2315
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    • 7 Tips for Successful Internet Dating - by Noreen Ruth
      Submitted on Jan 31, 2013 from Noreen Ruth
      Online dating services can be the answer to your search for love. The idea of having any number of potential dates ready for romance at the click of your mouse can be exciting and overwhelming at the same time. That’s the unique process of online dating. A photo and personality profile is the ...
      Views:2399
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    • The Importance of Really Listening to Your Partner - by Noreen Ruth
      Submitted on Jan 31, 2013 from Noreen Ruth
      One of our most basic relationship needs is to be listened to and understood. As the Turkish saying goes, ‘if speaking is silver, then listening is gold.’ We feel the most connected with those who take the time to be truly interested in what we have to say. Listening is a more valuable factor in ...
      Views:4474
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    • 10 Essential Tips of Online Dating - by Noreen Ruth
      Submitted on Jan 31, 2013 from Noreen Ruth
      So you’re considering looking online for that special someone. Internet dating can be a lot of fun. You can meet not only the love of your life but friends for life. Here are some common sense tips that will keep you safe and help you successfully maximize your online dating experience. Tip ...
      Views:1948
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    • Building Trust - The Foundation of a Healthy Relationship - by Noreen Ruth
      Submitted on Jan 31, 2013 from Noreen Ruth
      Business associate, friend, family or lover - all relationships are built on the foundation of trust. And just like the foundation of your home, trust is built over time, going through multiple processes before it is strong enough to handle the stress of all that sits on top of it. Cultivate ...
      Views:4329
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    • Moving from an Online Acquaintance to a Serious Relationship - by Noreen Ruth
      Submitted on Jan 31, 2013 from Noreen Ruth
      Meeting people online can be exciting, scary and even thrilling, especially when a virtual stranger is attracted to you and sends a personal email. Ongoing email exchanges and online chats may help bring you closer to each other but are far from the reality of what it takes to establish a ...
      Views:4962
      3.625
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    • Trust: The Basis of a Healthy Relationship - by Noreen Ruth
      Submitted on Jan 31, 2013 from Noreen Ruth
      Building a healthy relationship takes time and effort on the part of both partners. Establishing trust is the foundation of every long-term relationship. Knowing that what you say to each other can be depended on and that you won’t be inclined to question the sincerity of our partner is trust. ...
      Views:4302
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