January 23rd, 2011
posted by gregoryrosspc
“More than one million families have attended Financial Peace University with amazing results. On average, these families paid off $5,300 in debt and saved $2,700 in just the first 90 days! Stop worrying about money, and start your journey to Financial Peace today.” Taken from Financial Peace University, http://www.daveramsey.com/fpu/home/
Years ago I discovered Financial Peace University (FPU) and can honestly say it made a significant difference in my financial life. While I sometimes stray from the ideas taught in this course, overall its teachings guide my financial planning. I would encourage you to look into this program. The instructor, Dave Ramsey, is entertaining as well as passionate about FPU. The course teaches on the following subjects:
- Super Saving – How and why to save money
- Relation with Money – How to communicate with your partner about money
- Cash Flow Planning – Developing a monthly budget that works
- Dumping Debt – Tools to eliminate debt in your life
- Credit Sharks in Suits – Credit scores and how to deal with debt collectors
- Buyer Beware – Marketing and its effects on you
- Clause and Effect – Understanding the world of insurance
- That’s Not Good enough – Understanding the power of purchasing with cash
- Of Mice and Mutual Funds – Understanding the jargon surrounding investing
- From Fruition to Tuition – Retirement/college planning
- Working in Your Strengths – Finding that right job
- Real Estate and Mortgages – Understanding the largest investment most will make
- The Great Misunderstanding – How generous giving can change your life
I have no connection with and make no money from this course. I simply think it is the best course out there. If you’ve ever struggled with finances, please consider Financial Peace University.
October 22nd, 2010
posted by gregoryrosspc
SCRA Installment Contract Protection
A servicemember who, prior to entry into active duty, entered an installment contract for the purchase of real or personal property (including motor vehicle), is protected under the SCRA if the servicemember’s ability to make the payments is “materially affected” by the military service.
- The servicemember must have paid, prior to entry onto active duty, a deposit or installment under the contract.
- The seller is then prohibited from exercising any right or option under the contract to rescind or terminate the contract, to resume possession of the property for nonpayment of any installment due, or to breach the terms of the contract, unless authorized by the court.
- The SSCRA protects servicemembers against foreclosures of mortgages, as long as the following facts are established:
- The relief is sought on an obligation secured by a mortgage, trust deed; or other security in the nature of a mortgage on either real or personal property;
- The obligation originated prior to entry on active duty;
- The property was owned by the servicemember or family member prior to entry on active duty;
- The property is still owned by the servicemember or family member at the time relief is sought;
- The ability to meet the financial obligation is materially affected by the servicemember’s active duty obligation.