How to Get Your Friend Who Owes You Money to Finally Pay You Back
.How to Get Your Friend Who Owes You Money to Finally Pay You Back
By Anne Gaviola Dec 2 2019
We asked a bounty hunter how to track down and extract payment from your crappy ex-roommate.
Everyone has that friend, or family member, who owes them money and hasn’t paid it back for months. Or years.
This isn’t the friend that you have a forever tab with, where you go back and forth “owing” each other $40. This is for the friend who borrowed a month’s worth of rent money and has gone MIA.
Sure, you can cut your losses and consider it an expensive life lesson. Conventional wisdom suggests you shouldn’t lend anything to a friend that you’re not willing to kiss goodbye, at least not without ruining the relationship. But you could probably use that money right about now, and according to experts, if you’re willing to put in some time and effort, you can greatly increase your chances of getting repaid in this lifetime.
Locate The Target
Alex Hayes is a 28-year-old bounty hunter in Georgia. Her job is to find people who owe money, who don’t want to be found. She also runs a private investigation business with her boyfriend. According to her, the first thing you need to do is track down the friend who is avoiding or ghosting you.
What to Do Right Away After Inheriting Money
.What to Do Right Away After Inheriting Money
By Rick Paulas
The first thing to do is absolutely nothing. Turns out, grandma was hoarding millions. Or grandpa. Or maybe your old ex who forgot to update their will, or your aunt who you had a close relationship with, or you’re a participant in any number of scenarios where huge inheritances suddenly come out of nowhere. Or, you won the lottery.
The point is, you’ve come into a “life-changing” amount of money—a specifically murky description, as it can mean something else for everything—and you had no idea it was coming. So, what do you do?
The first, and most important thing, is to do absolutely nothing.
"HOLD IT AND DON'T DO A THING FOR THREE MONTHS!!!” is what the finance blogger J. Money adamantly recommends. “Then once it soaks in and you've had time to let the feelings and ideas settle, start taking action.”
We’ve all seen stories of the instant-rich being bombarded with requests from every other third cousin or long-forgotten high school chums looking for interest-free loans or “investment capital” for their “back-scratcher with a mp3 player” idea or whatever.
Woman Wins $188 Million Lotto Prize But Ends Up Losing Control Over Her Life
.Woman Wins $188 Million Lotto Prize But Ends Up Losing Control Over Her Life
Sukriti February 10, 2018 Shallotte, North Carolina
What a compelling invention it is; the whole concept of the lottery. Have you ever tried your luck in lottery tickets? We all know the probability of winning a lottery, its almost zero. Still, these lottery tickets attract us every now and then.
Some of us never buy these tempting tickets but everyone has wondered at least once about winning them. How incredibly it can change one’s life within a blink of eyes. But everything comes with a cost that most of us won’t understand what it might take unless we’ve experienced it.
A story of luck, fate, good, bad, consequences, threats and more. The story of Marie Holmes has all in it. Like most of us, her life too was filled with ups and downs. Sadly for her, life was mostly about hard times and very rarely she had good days in her life. But the way her life changed has always been a dream for millions of people.
Trying Hard
Marie Holmes, a 27-year-old single mother was on her daily job routine. Working hard to fulfill her four kids’ daily needs. She was trying to save as much as she can for their future. No matter how hard she tried to bring things in the right place, Marie was never able to cop up with the rapid speed life actually demanded out of her.
Tips To Help Create Financial Peace
.The Best Money Management Tips To Help Create Financial Peace
Not everyone needs to be a financial wizard, but everyone should be armed with the best — and simplest — money management tips.
And these straightforward items do not require you to be a genius or some math connoisseur either.
Money Management TipsInstead, these tips about money are things anyone can apply and become quite comprehensive with.
These areas below are also what got me on track to eliminating $50,000 in debt and achieving a 65% savings rate without becoming extremely frugal or having a six-figure salary.
This doesn’t mean you won’t get confused at times or be unsure about something, but that’s part of the learning process of financial literacy!
However, the goal of these tips below is to help you feel less stressed and more at peace with your finances. Let’s dive in!
Don’t Get Lost In the Spreadsheets and Numbers
I’m the guy who really dislikes budgeting and staring at numbers daily to see what was spent. But, I still think it’s important to know how to budget and create one if you are truly just getting started.
Creating a Holiday Budget: The Most Wonderful Time of the Year
.Creating a Holiday Budget: The Most Wonderful Time of the Year
Ah, the holiday budget season always approaches so fast.
One minute you are sipping umbrella drinks in Summer at the beach — and then out of nowhere — you are creating a holiday shopping list, hoping not to overspend this year.
While the holidays are great for spending time with family, friends, and giving to others — it can also be stress-inducing when it comes to your bank account.
But there are ways to ensure you stick to your budget and keep your personal finances happy. Below are a few essential tips to ensure you don’t go into debt or overspend this holiday season.
Holiday Spending Statistics
t’s crazy to see stores and online ads for holiday shopping before November even starts. Sometimes it even begins before Halloween even has a chance to slow down.
Banking Perks for the Rich That Will Make You Green With Envy
.Banking Perks for the Rich That Will Make You Green With Envy
By Destiny Lopez
Famous faces are known for getting mountains of free stuff and special treatment. And the bank is no exception. Forget cars, jewelry and runway fashions. For the ultra rich, the particular bank they use and the options available are the ultimate status symbols.
Bank branches have levels, or tiers, of service.
Making large deposits and keeping your stacks of cash in the bank has its perks. Your bank will make sure you are taken care of, as financial security (which means less stress), does a mind and body good.
From jumping the line at your local branch to private wine tastings with your banker, here are banking perks of the famous and ultra wealthy.
What is your daily ATM withdrawal limit? Maybe $300 or $500? Non-private banking branches with celebrity sightings may allow higher ATM withdrawal limits. A recent and sad example of this perk is Philip Seymour Hoffman, who withdrew $1,200 from a grocery store ATM the evening before his untimely passing.
Wealth Is All In Your Head
.Wealth Is All In Your Head
April 6, 2019 By Mr. Tako
When you think about it, money is a pretty funny thing. For a couple thousand years humans used precious things to represent this idea of “money” — ivory, colorful shells, precious gems, livestock, silver, and most notably gold. This worked well for humanity for a very long time… as long as the values were small.
The general inconvenience of physically carrying a whole bunch of “precious stuff” eventually gave way to paper certificates. Stand-ins for the real thing.
After-all, nobody wants to cart around a wheelbarrow full of silver just to buy a new car. You were liable to get mugged by Robin Hood on the way to the car dealership….
Bail-Ins Saves The Banks But Who Saves Us?
.Bail-Ins Saves The Banks But Who Saves Us?
By Muhammad Ali
We all remember the financial crises of 2008 and the Bail-outs that occurred. So no need to go down that path, instead we'll continue from there.
So the Governments will not Bail-out the banks again, then it means the banks will need to go somewhere else to help themselves out. Where do you think they will go? Yes, that's right the deposit holders.
If you think that Bail-ins are just some fantasy concoction of mine, why don't you tell that to this The 68-year-old man who hung himself at his home in Civitavecchia, a port town near Rome, after the so-called “save the banks” plan wiped out €100,000 in savings held at Banca Etruria.
But wait, he's already dead, so you cannot. This was during the time when certain banks were testing the new system. Unfortunately, their tests cause the life of this man.
Addressing the Financial Disease, Not Just the Symptoms
.Addressing the Financial Disease, Not Just the Symptoms
By Trent Hamm 10.15.19
Getting Started
When Sarah and I first hit our financial bottom, our natural response was to deal with the immediate problems.
We simply didn’t have enough cash on hand to pay our bills. At that moment, the money in our checking account wasn’t enough even to pay the bills we owed that were due before our next paycheck, even assuming we spent $0 on food or anything else in that timeframe.
We had a lot of debt – multiple car loans, a pile of student loans, a bunch of credit card debt, and some other loans, too.
We had an infant who had just added a bunch of additional expenses to our life – child care being the biggest, of course, but far from the only thing.
It was a hefty list of challenges, but we tackled them head on. I took charge of selling off a bunch of items from our closets, including some vintage sports cards and Magic: the Gathering cards and DVD box sets and video games, and used that to rapidly eliminate the worst of the debt.
We started eating all of our meals at home. We started engaging in a bunch of intense frugal “money free weekends” and 30 day challenges to curb our spending. I threw myself into freelance work and side gigs and other opportunities to make a little more money – in terms of work, there were a few years that were basically just a blur.
Unsurprisingly, we hammered a lot of that debt really quickly. We got ourselves back on track with our bills, with a nice little emergency fund to boot. We blew through paying off all of our debt in a little over a year – we were debt free a little over a year after hitting that financial bottom. Things seemed good.
My Thoughts on Gold and Silver.
My Thoughts on Gold and Silver.
By Muhammad Ali
I have had several people contact me about my opinion on what will happen to Gold and Silver. So this article, in a way, is a follow up to my previous one, titled "Precious Metals - My Plan B".
First, let me just give you some of my background so you know that I have a bit of experience on this. I've started trading Forex, since 2000, while I was living in Canada. My first Forex course was Steven Nisson's candlestick training on VHS. I still have it and autograph books of his.
I spent a small fortune on training courses and books and from live trading experiences. I continued trading when I shifted to Malaysia in 2004 and around 2009 I opened my own Forex Company here, taught courses on Forex and trading for people as well as providing online signal services.
I have had my own traders and I did all the management for the company. I had a 15,000 square foot office in the heart of Kuala Lumpur. I had clients subscribing to my signal services from over 100 countries. I had professional services charging $500 US per month for signal services.
I've truly gone thru a lot in Forex, experimented with hundreds of robot software, known as E.A. (Expert Advisors) and trading systems and indicators. Then I just had enough of it all and stopped, but God had his own plan and brought be back to Forex via the Dinar, so now I just deal with the physical currency, less stressful.
Precious Metals - My Plan B
.Precious Metals - My Plan B
By Muhammad Ali
You may have heard me refer to precious metals as my Plan B, in several of my articles. If you haven't read any of my articles you can read them on my website, unless of course, you're on my website right now reading this article, therefore, just ignore everything I just said. ;)
OK back to the subject, precious metals and why do I consider them as my Plan B. The reason for this article clarification came about because someone emailed me, asking why do I consider precious metals as my Plan B.
Before we get into that, let me just clarify something else, what do I refer to as precious metals? Gold and Silver are the obvious, but I would also add in there stones and other metals as well. For stones, one may debate the risks involved as the purchase and re-sale values may be far apart, especially in the case of diamonds. Well for general purposes we'll just stick to gold and silver.
We can all agree that a Plan B is a back up plan, there's no question about that.