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Volume 4 #3
                                                                                                               Frugal Green Tips • FDR Client Reminders
                                                                                                                 Renting Tips • Make a Credit Comeback
                                                                                                               Fun Online Money Games • Spare Change

                                                                             Welcome to the Freedom Debt Relief monthly newsletter! As part of our
                                                                             ongoing goal to enhance our services, we will be sending you a monthly
                                                                             newsletter filled with interesting articles and helpful financial tips and
                                                                             advice. We hope you enjoy this issue, and that you find the enclosed
        1-800-655-6303                                                       information helpful as you continue on the road to financial freedom.




Living a “green”
lifestyle will help the
environment and put more
“green” in your wallet                                                                                                   Some people may associate
                                                                                                                         living green with abandoning
                                                                                                                         all personal possessions and
“Green”                       Mountain Institute                                                                         modern technologies to live on
                              (RMI), an organization                                                                     a commune. In actuality, some
is a word that refers to so   that focuses on energy                                                                     technological advancements can
much more than the color      policy, a six-minute                                                                       actually help reduce the amount
of grass or money. It has     shower uses 20 gallons                                                                     of waste that ends up in landfills.
become a recent buzzword      of water. Taking short                                                                     Consider the options below.
                                                                                                                         Keep in mind that the following
in modern society             showers can reduce
                                                                                                                         tips are meant to help you get
that defines products,         water consumption and
                                                                                                                         the most use out of items that
                                                                                          Drive greener.
lifestyles, and tasks that    your water bill. For less    can receive reward points
                                                                                                                         you may already own; we are not
are environmentally           than $10, RMI also           based on how much              Most green articles urge       encouraging you to purchase
conscious. Becoming           recommends installing        they recycle. Visit www.       consumers to purchase a        brand new equipment.
more “green” usually          an on/off valve between       recyclebank.com to find         hybrid car. As you strive to
involves consuming fewer      the shower arm and           out if this program is         settle your debts, buying a           Go paperless! You can pay
resources and can result in   showerhead. This             available in your local        new vehicle may not be an            bills online, use electronic
saving money on typical       temporarily shuts off the     area.                          option. However, there are     scheduling software, and send
household expenses. The       flow while maintaining                                       other ways that you can        free electronic cards. Before you
tips below list some simple   the temperature. It can                                     “green” your car and save
                                                           Conserve energy.                                              print, ask yourself if you really
ways that you can “green”     be useful when lathering                                                                   need to have a paper copy.
                                                                                          money on transportation
                                                           Simple tasks such
                                                                                                                         Take advantage of organizing
your life while putting       up. For more water                                          costs. For example, you
                                                           as turning off lights
                                                                                                                         important documents using
more “green” in your          conservation tips, visit                                    will burn less fuel if you
                                                           when you leave the
                                                                                                                         email programs or document
wallet.                       www.rmi.org and www.                                        roll down your windows
                                                           room and installing a                                         folders in your computer system
                              wateruseitwisely.com.                                       in the summer instead of
                                                           programmable thermostat                                       software. You will use less paper
                                                                                          using air conditioning.
Clean green. Many                                          can reduce your utility                                       and will not have to purchase
                                                                                          Performing routine
                              Recycle. Many local
popular household                                          bills and overall energy                                      expensive ink cartridges as often.
                                                                                          maintenance on your
cleaning products sold        municipalities require       consumption. When it
                                                                                          car may also reduce
in stores contain harsh       citizens to follow           comes time to buy new                                               MP3 players come in all
                                                                                                                               price ranges and allow
                                                                                          gas consumption and
chemicals that pollute the    mandatory recycling          appliances, you may
                                                                                                                         users to download single songs
                                                                                          prevent costly car repairs.
earth and are hazardous       ordinances. Some states      consider Energy Star
                                                                                                                         instead of buying expensive
                                                                                          According to Treehugger.
to humans. Natural            have even given incentives   models, which use 10–
                                                                                                                         individual CDs. You may consider
                                                                                          com, if every driver’s tires
alternatives such as baking   to recycle through           50% less energy and water                                     transferring your CD library to
                                                                                          were properly inflated,
soda, white vinegar, and      RecycleBank. This            than standard models,                                         MP3 format and resell your CDs
                                                                                          approximately 2 billion
lemon juice are very          program gives participants   according to the Energy                                       on sites such as www.ebay.com
                                                                                          gallons of gas would be
inexpensive and clean just    a recycle                                     Star web                                     and www.craigslist.org. Resell
                                                                                          saved each year. You may
as well as many brand         bin                                           site. You                                    stores such as CD Warehouse
                                                                                          also consider relying
name cleansers. Visit this    equipped                                      can visit                                    may also give you cash for your
                                                                                          on your vehicle less by        CDs. Visit www.cdwarehouse.
link on the Greenpeace        with a                                        this site
                                                                                                                         com for a location near you.
                                                                                          walking short distances
web (www.greenpeace.          unique                                        at www.
                                                                                          or carpooling. Sites such
org/usa/news/green-living-    built-in                                      energystar.
                                                                                                                                Remember to properly
                                                                                          as www.erideshare.com
guide/basic-recipes-for-      RFID tag.                                     gov for
                                                                                                                               dispose of your electronic
                                                                                          allows you to search for
green-cleani) for recipes     At pick                                       more                                         equipment, also known as e-
                                                                                          fellow carpoolers that
using natural products.       up, the                                       tips on                                      waste. If you can not use it, sell
                                                                                          want to travel in the same
                              bins are                                      conserving                                   or donate the item. You can also
                                                                                          direction as you.
                              scanned                                       energy.
Conserve water.                                                                                                          visit www.earth911.org for a
                              and users                                                                                  recycling or donation center in
According to the Rocky
                                                                                                                         your area.
Client Reminders
                                             D
                                                        espite        of the costs associated   information for            Upon moving out,
                                                        difficult       with owning a home.       repairs. You also want     make sure you leave
                                                        financial      In addition to a          to review the policies     the rental property in
Tax Debt? If you owe money to              times, the National        mortgage, purchasing      on terminating a lease.    the same condition as
                                           Multi Housing              a home also involves      Most property owners       when you moved in.
the IRS and would like information
                                           Council reports that       many other expenses       do not make it easy        For example, clean,
on how to reduce your tax debts,           the apartment industry     such as maintenance,      for renters. Make          vacuum, and fill small
please contact our sister company,         is not affected. In         insurance, and            sure you understand        holes in the wall
                                           fact, affordable rental     property taxes. As a      the provisions in case     with spackle. Many
Freedom Tax Relief at 1-800-455-
                                           units will be coming       renter, your landlord     circumstances arise        apartment complexes
6TAX. Our tax attorneys and tax            available as desperate     or property manager is    that do not allow you      also require that
specialists are eager to immediately       sellers try to rent out    responsible for fixing     to fulfill the terms of     you have the carpets
                                           units that are just not    major repairs like a      the lease.                 professionally cleaned
start helping you resolve your tax
                                           selling in the current     broken furnace or a                                  before moving out.
troubles. In addition, existing FDR        market, according          leaky roof. Expenses         Don’t alter the         You are more likely to
clients are eligible for a $100 referral   to Bankrate.com,           such as these could       property. The lease        receive the majority of
                                           an online financial         really break your         should also state what     your security deposit,
bonus if they refer someone to
                                           resource. Therefore,       budget, especially        the landlord’s rules are   which is usually
Freedom Tax Relief.                        the number of renters      while you are focusing    on making alterations      equivalent to one
                                           is expected to increase.   on settling your debts.   to the property. One       month’s rent, if you
American Consumers Union                   If you are currently                                 of the downfalls of        follow the move-out
                                           renting or expect to          Read the lease. If     renting is that most       instructions.
We have recently partnered with
                                           sign a lease in the near   you are required to       property mangers do
the consumer advocacy group,               future, below are some     sign a lease before       not allow tenants to
American Consumers Union,                  tips that you may want     moving in to an           paint walls or make
                                           to keep in mind.           apartment, make sure      permanent changes
in order to provide additional
                                                                      you read it. Leases       to rental property
support to our clients with respect           Renting may be          usually include quite     without written
to creditor harassment. All FDR            a good financial            a few pages of small      permission. Even if
                                           move. There are            print and it can be       you do receive written
clients are automatically given
                                           many benefits of            tedious to read. But,     permission to paint,
membership into the American               buying a home.             keep in mind that         for example, you will
Consumers Union, and are given             Homeownership has          you are signing a legal   usually have to change
                                           often been equated         and binding contract      the color back to the
the full use and support of the
                                           with the American          and it is beneficial       original before you
advocacy group, at no additional                                                                                                Rental
                                           dream. However, this       to understand the         move out, which can
charge. This is a terrific benefit for                                                                                             Links
                                           dream can easily turn      agreement. Pay close      be a hassle. Before you
                                           into a nightmare for       attention to the rent     make improvements
our clients, and we are happy to be                                                                                         • Search commercial
                                           consumers that are         due date, late fees,      such as install an
able to provide this service to our                                                                                           web sites such as
                                           not prepared for all       and the contact           air conditioner or a
                                                                                                                              www.rent.com, www.
clients at our expense. You can visit                                                           dishwasher, consider
                                                                                                                              apartments.com,
                                                                                                the fact that you may
them online at www.myacu.org.                                                                                                 and www.rentnet.
                                                                                                not be able to take
                                                                                                                              com. All landlords
                                                                                                these items with you          do not place ads for
                 ***                                                                            when you move. This           apartments. You may
                                                                                                can be an especially          want to drive through
        Customer Service                                                                        costly endeavor if you        your town and look
        Phone Number:                                                                           do not plan to live at        for “For Rent” signs
                                                                                                the property very long.
        1-800-655-6303                                                                                                        on various properties.

                                                                                                   Take care of your        • Tenants review
     Hours of Operation:                                                                        property. When                apartment
                                                                                                moving in, note any           complexes on web
   6:00 AM – 6:00 PM PST
                                                                                                damage that is already        sites such as www.
                                                                                                visible on the property       apartmentreviews.
               E-mail:                                                                                                        net and www.
                                                                                                so you do not get
                                                                                                                              apartmentratings.
                                                                                                charged for the repair
support@freedomdebtrelief.com                                                                                                 com.
                                                                                                when you move out.
Make a Credit

  M
              any classic      com: http://www.bankrate.
              trends and       com/aff/calc/MinPayment.
              fashions         asp. When you begin to
seem to be reinvented          re-establish your credit, use
                                                                                                                                Fun Online
throughout generations.        your credit card so you can
                                                                                                                               Money Games
Fabulous fads from the         show creditors that you
past suddenly resurface and    can make timely payments.
                                                                                                                               Below are some
                                                                                                       After
                                                                       Before
become popular among           However, only charge items
                                                                                                                               interesting online games
consumers. At one time,        that you can afford to pay
                                                                                                                               that will help introduce
you may have thought           in full each month.
                                                                                                                               kids to the world of
                                                               receive a line of credit for   by TNS, a market research
that a wallet full of credit
                                                                                                                               money.
                                                               $300. Since a secured card     firm, in partnership with
cards with high credit            Less is more. Stuffing
                                                               is considered a credit card,   professors from Dartmouth
lines exemplified style. But    your wallet with a deck
                                                               maintaining this account       College and Harvard                  A.G. Edwards, a
when minimum payments          of credit cards is not very
                                                               with moderate charges and      Business School, high levels         division of Wachovia
skyrocketed or you             impressive or fashionable.
                                                               on-time payments may           of debt may be correlated        Securities, LLC, offers
experienced an emergency,      Upon completion of your
                                                               boost your credit rating.      to financial illiteracy. The      a variety of interesting
the allure of credit quickly   program, apply for one or
                                                                                              survey revealed that only        financial games on their
became a fad that you wish     two credit cards, perhaps
                                                                                              35% of respondents were
                                                                 Some offers only                                               web site. Visit www.
would have been buried in      one major card and one
                                                                                              able to correctly estimate       agedwards.com, click on
                                                               look good on paper.
a time capsule.                department store card.
                                                                                              how interest compounds           the “Investor Education”
   Once you have                                               Did you ever buy a product
                               Remember that inquiries
                                                                                              over time and more than          tab, and then choose
completed your debt                                            that looked wonderful in
                               appear on your credit
                                                                                              half of respondents did not      “Kids Games” from the
settlement program, you                                        the store, but once you
                               report every time you
                                                                                              understand how minimum           bar on the left hand side
will be one step closer to                                     brought it home, it did
                               complete a credit card
                                                                                              payments are calculated          of the page. You will
financial freedom. At this                                      not perform as well as you
                               application. Having many
                                                                                              and applied to a principal       then see links for several
time, you can begin to                                         would have liked? This
                               recent credit inquiries will
                                                                                              balance. The American            games. The Savings
re-establish your credit and                                   idea could also be true of
                               usually not improve your
                                                                                              Bankers Association              Quest game teaches kids
make a credit comeback!                                        sub-prime credit cards.
                               credit rating.
                                                                                              (ABA) has developed a free       about the importance of
Although your rating will                                      Upon completion of your
                                                                                              resource to help consumers       budgeting, saving, and
not improve overnight,                                         debt settlement program,
                                 Start slow. With some
                                                                                              make informed choices            earning a pay check.
consider the following ideas                                   be aware of credit card
                               fads, you may be unsure if
                                                                                              about credit cards. “Guide       Although it is classified as
to rebuild your credit.                                        offers that seem too good to
                               you want to jump on the
                                                                                              to Credit Cards” is available    a children’s game, many
                                                               be true. Sub-prime issuers
                               bandwagon right away. In
                                                                                              on ABA’s Consumer                adults may also find this
  Revolving debt is                                            may have lenient approval
                               order to gradually make
                                                                                              Connection web page at           game interesting. The
                                                               guidelines, but prey upon
not in style. Many             your credit comeback,
                                                                                              www.aba.com. Make sure           Star Trader game is for
                                                               individuals with previous
consumers realize that         you may also want to
                                                                                              that you also check your         ages 10-adult and gives
                                                               credit problems by charging
fashion and trends are         consider a secured credit
                                                                                              credit report frequently.        users the opportunity to
                                                               astronomical approval
fickle because they can         card. The credit limit on
                                                                                              You are entitled to receive a    choose stocks and play
                                                               and annual fees. These
change from month to           this card is based on the
                                                                                              free credit report every year.   the market.
                                                               companies commonly
month. Credit cards make       deposit that you make.
                                                                                              For more information, visit
                                                               apply these fees to your
it easy to charge all of the   For example, if you put
                                                                                              www.annualcreditreport.              As part of their
                                                               card. Therefore, you acquire
latest gadgets and just pay    $300 on your credit
                                                                                              com.                                 Schwab MoneyWise
                                                               a balance before you make
a low monthly minimum          card account, you will
                                                                                                                               initiative, Schwab gives
                                                               any significant purchases.
payment. Making this
                                                                                                Become a                       teens and young adults
a habit can create costly
                                                                                                                               an opportunity to see
                                                                                              trendsetter. As a prelude
                                                                 Educate yourself.
unwanted debt because
                                                                                                                               how major life decisions
                                                                                              to your comeback, you
                                                                Knowledge and education
of compounding interest.
                                                                                                                               will affect their finances
                                                                                              can become a trendsetter
                                                                  never goes out of
Also, consider the fact that
                                                                                                                               with the “It’s Your Life”
                                                                                              by practicing sensible
                                                                    style. Become an
you may still be paying
                                                                                                                               online game. Visit www.
                                                                                              budgeting techniques while
                                                                      educated consumer
on merchandise that was
                                                                                                                               schwabmoneywise.com
                                                                                              you strive to settle your
                                                                       by understanding
purchased years ago or
                                                                                                                               and then click the “It’s
                                                                                              debts. Your friends and
                                                                        your credit card
that is no longer used.
                                                                                                                               Your Life” link.
                                                                                              family will hopefully follow
                                                                        agreement. This
Do you really want to
                                                                                              you in your footsteps.
                                                                         may involve
pay for holiday gifts
                                                                                                                                   Planet Orange, an
                                                                                              Discuss with your family
                                                                         reading the
three years from now
                                                                                                                                   award-winning online
                                                                                              members various ways
                                                                        tedious fine print,
or clothes that will
                                                                                                                               game brought to you by
                                                                                              to save money and visit
                                                                       but it is beneficial
eventually wear out or
                                                                                                                               ING Direct, educates
                                                                                              sites for frugal tips such as
                                                                       to know your
become outdated? You
                                                                                                                               kids about spending, sav-
                                                                                              www.Bargainist.com/tips,
                                                                       annual percentage
can discover the true cost
                                                                                                                               ing, and investing. Visit
                                                                                              www.101waystosavemoney.
                                                                      rate, due date, late
of paying the minimum
                                                                                                                               www.orangekids.com and
                                                                                              com/, and www.
                                                                fees, etc. According to a
with this online calculator
                                                                                                                               experience a whole new
                                                                                              mommysavers.com.
                                                               recent survey conducted
provided by Bankrate.
                                                                                                                               planet.
Spare Change:
                                                                                                                           of Americans fall victim
                                                                                                                           to out-of-control credit
                                                                                                                           card costs and as the credit
                                                                                                                           card market begins to
News, financial tips, and other                                                                                             resemble the sub-prime
                                                                                                                           mortgage market, U.S.
information regarding personal                                                                                             Senator Robert Menendez
                                                                                                                           recently announced a plan
financial freedom                                                                                                           to put an end to deceptive
                                                                                                                           practices and irresponsible
                                                                                                                           marketing. The Credit Card
                                                                                                                           Reform Act goes beyond
Private student                 scores or limited credit                                                                   any other current legislative
                                histories. Private loans also
loans are costly for                                                                                                       proposal in curtailing
                                do not have the same range
borrowers. A new study                                                                                                     skyrocketing interest rates,
                                of protections for borrowers                                                               curbing sudden changes in
warns that college students
                                that government loans have.                                                                credit card agreements, and
are risking their futures
                                For example, private loans                                                                 restricting issuance of cards
by taking out expensive
                                are not subject to rate caps                                                               to consumers who don’t
loans to pay tuition and                                        Consumer Reports National   coupons in product
                                backed by most federally                                                                   have the ability to make
other expenses. These                                           Research Center for         e-mail newsletters and
                                funded loans. The survey                                                                   payments. More specifically,
private loans now account                                       ShopSmart magazine,         manufacturer web sites.
                                found that the interest rate                                                               the act will prohibit
for nearly one in every                                         women who use coupons       Use store-loyalty cards with
                                on some loans were as high                                                                 practices such as universal
four dollars of student                                         and store-loyalty cards     those coupons to save even
                                as 19%. Also, issuers of                                                                   default and retroactive rate
borrowing. “Paying the                                          save over 10% a year on     more. You can also visit
                                private loans do not offer                                                                  increases. Card companies
Price: The High Cost of                                         groceries, the equivalent   the web site for ShopSmart
                                relief such as forbearance or                                                              will also have to receive an
Private Student Loans and                                       of $678 a year. Consumer    magazine at www.
                                hardship deferments. For                                                                   opt-in approval form from
the Dangers for Student                                         Reports also states that    shopsmartmag.org for a
                                more information, visit the                                                                consumers under the age of
Borrowers,” a recent report                                     consumers can get money-    variety of money-saving tips
                                NCLC web site at www.                                                                      21 before they can mail this
issued by the National                                          off coupons and free         and informative articles.
                                nclc.org.                                                                                  age group card solicitations.
Consumer Law Center                                             samples from coupon sites
                                                                                                                           The Credit Card Reform
(NCLC), finds that private                                       such as www.SmartSource.    Credit card reform
                                Consumers save                                                                             Act has the backing of 11
student loans are almost                                        com, www.Coupons.com        strives to cease
                                money with coupons.                                                                        major consumer groups and
always more expensive than                                      and www.CoolSavings.        deceptive practices.
                                According to a new                                                                         unions.
federal loans, especially for                                   com. You may also find       As an increasing number
                                poll conducted by the
borrowers with lower credit




 1875 South Grant Street
 Suite 400
 San Mateo, CA 94402
 Phone: (800) 655-6303
 FAX: (650) 897-8800

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Freedom Debt Relief - Frugal Green Tips

  • 1. Volume 4 #3 Frugal Green Tips • FDR Client Reminders Renting Tips • Make a Credit Comeback Fun Online Money Games • Spare Change Welcome to the Freedom Debt Relief monthly newsletter! As part of our ongoing goal to enhance our services, we will be sending you a monthly newsletter filled with interesting articles and helpful financial tips and advice. We hope you enjoy this issue, and that you find the enclosed 1-800-655-6303 information helpful as you continue on the road to financial freedom. Living a “green” lifestyle will help the environment and put more “green” in your wallet Some people may associate living green with abandoning all personal possessions and “Green” Mountain Institute modern technologies to live on (RMI), an organization a commune. In actuality, some is a word that refers to so that focuses on energy technological advancements can much more than the color policy, a six-minute actually help reduce the amount of grass or money. It has shower uses 20 gallons of waste that ends up in landfills. become a recent buzzword of water. Taking short Consider the options below. Keep in mind that the following in modern society showers can reduce tips are meant to help you get that defines products, water consumption and the most use out of items that Drive greener. lifestyles, and tasks that your water bill. For less can receive reward points you may already own; we are not are environmentally than $10, RMI also based on how much Most green articles urge encouraging you to purchase conscious. Becoming recommends installing they recycle. Visit www. consumers to purchase a brand new equipment. more “green” usually an on/off valve between recyclebank.com to find hybrid car. As you strive to involves consuming fewer the shower arm and out if this program is settle your debts, buying a Go paperless! You can pay resources and can result in showerhead. This available in your local new vehicle may not be an bills online, use electronic saving money on typical temporarily shuts off the area. option. However, there are scheduling software, and send household expenses. The flow while maintaining other ways that you can free electronic cards. Before you tips below list some simple the temperature. It can “green” your car and save Conserve energy. print, ask yourself if you really ways that you can “green” be useful when lathering need to have a paper copy. money on transportation Simple tasks such Take advantage of organizing your life while putting up. For more water costs. For example, you as turning off lights important documents using more “green” in your conservation tips, visit will burn less fuel if you when you leave the email programs or document wallet. www.rmi.org and www. roll down your windows room and installing a folders in your computer system wateruseitwisely.com. in the summer instead of programmable thermostat software. You will use less paper using air conditioning. Clean green. Many can reduce your utility and will not have to purchase Performing routine Recycle. Many local popular household bills and overall energy expensive ink cartridges as often. maintenance on your cleaning products sold municipalities require consumption. When it car may also reduce in stores contain harsh citizens to follow comes time to buy new MP3 players come in all price ranges and allow gas consumption and chemicals that pollute the mandatory recycling appliances, you may users to download single songs prevent costly car repairs. earth and are hazardous ordinances. Some states consider Energy Star instead of buying expensive According to Treehugger. to humans. Natural have even given incentives models, which use 10– individual CDs. You may consider com, if every driver’s tires alternatives such as baking to recycle through 50% less energy and water transferring your CD library to were properly inflated, soda, white vinegar, and RecycleBank. This than standard models, MP3 format and resell your CDs approximately 2 billion lemon juice are very program gives participants according to the Energy on sites such as www.ebay.com gallons of gas would be inexpensive and clean just a recycle Star web and www.craigslist.org. Resell saved each year. You may as well as many brand bin site. You stores such as CD Warehouse also consider relying name cleansers. Visit this equipped can visit may also give you cash for your on your vehicle less by CDs. Visit www.cdwarehouse. link on the Greenpeace with a this site com for a location near you. walking short distances web (www.greenpeace. unique at www. or carpooling. Sites such org/usa/news/green-living- built-in energystar. Remember to properly as www.erideshare.com guide/basic-recipes-for- RFID tag. gov for dispose of your electronic allows you to search for green-cleani) for recipes At pick more equipment, also known as e- fellow carpoolers that using natural products. up, the tips on waste. If you can not use it, sell want to travel in the same bins are conserving or donate the item. You can also direction as you. scanned energy. Conserve water. visit www.earth911.org for a and users recycling or donation center in According to the Rocky your area.
  • 2. Client Reminders D espite of the costs associated information for Upon moving out, difficult with owning a home. repairs. You also want make sure you leave financial In addition to a to review the policies the rental property in Tax Debt? If you owe money to times, the National mortgage, purchasing on terminating a lease. the same condition as Multi Housing a home also involves Most property owners when you moved in. the IRS and would like information Council reports that many other expenses do not make it easy For example, clean, on how to reduce your tax debts, the apartment industry such as maintenance, for renters. Make vacuum, and fill small please contact our sister company, is not affected. In insurance, and sure you understand holes in the wall fact, affordable rental property taxes. As a the provisions in case with spackle. Many Freedom Tax Relief at 1-800-455- units will be coming renter, your landlord circumstances arise apartment complexes 6TAX. Our tax attorneys and tax available as desperate or property manager is that do not allow you also require that specialists are eager to immediately sellers try to rent out responsible for fixing to fulfill the terms of you have the carpets units that are just not major repairs like a the lease. professionally cleaned start helping you resolve your tax selling in the current broken furnace or a before moving out. troubles. In addition, existing FDR market, according leaky roof. Expenses Don’t alter the You are more likely to clients are eligible for a $100 referral to Bankrate.com, such as these could property. The lease receive the majority of an online financial really break your should also state what your security deposit, bonus if they refer someone to resource. Therefore, budget, especially the landlord’s rules are which is usually Freedom Tax Relief. the number of renters while you are focusing on making alterations equivalent to one is expected to increase. on settling your debts. to the property. One month’s rent, if you American Consumers Union If you are currently of the downfalls of follow the move-out renting or expect to Read the lease. If renting is that most instructions. We have recently partnered with sign a lease in the near you are required to property mangers do the consumer advocacy group, future, below are some sign a lease before not allow tenants to American Consumers Union, tips that you may want moving in to an paint walls or make to keep in mind. apartment, make sure permanent changes in order to provide additional you read it. Leases to rental property support to our clients with respect Renting may be usually include quite without written to creditor harassment. All FDR a good financial a few pages of small permission. Even if move. There are print and it can be you do receive written clients are automatically given many benefits of tedious to read. But, permission to paint, membership into the American buying a home. keep in mind that for example, you will Consumers Union, and are given Homeownership has you are signing a legal usually have to change often been equated and binding contract the color back to the the full use and support of the with the American and it is beneficial original before you advocacy group, at no additional Rental dream. However, this to understand the move out, which can charge. This is a terrific benefit for Links dream can easily turn agreement. Pay close be a hassle. Before you into a nightmare for attention to the rent make improvements our clients, and we are happy to be • Search commercial consumers that are due date, late fees, such as install an able to provide this service to our web sites such as not prepared for all and the contact air conditioner or a www.rent.com, www. clients at our expense. You can visit dishwasher, consider apartments.com, the fact that you may them online at www.myacu.org. and www.rentnet. not be able to take com. All landlords these items with you do not place ads for *** when you move. This apartments. You may can be an especially want to drive through Customer Service costly endeavor if you your town and look Phone Number: do not plan to live at for “For Rent” signs the property very long. 1-800-655-6303 on various properties. Take care of your • Tenants review Hours of Operation: property. When apartment moving in, note any complexes on web 6:00 AM – 6:00 PM PST damage that is already sites such as www. visible on the property apartmentreviews. E-mail: net and www. so you do not get apartmentratings. charged for the repair support@freedomdebtrelief.com com. when you move out.
  • 3. Make a Credit M any classic com: http://www.bankrate. trends and com/aff/calc/MinPayment. fashions asp. When you begin to seem to be reinvented re-establish your credit, use Fun Online throughout generations. your credit card so you can Money Games Fabulous fads from the show creditors that you past suddenly resurface and can make timely payments. Below are some After Before become popular among However, only charge items interesting online games consumers. At one time, that you can afford to pay that will help introduce you may have thought in full each month. kids to the world of receive a line of credit for by TNS, a market research that a wallet full of credit money. $300. Since a secured card firm, in partnership with cards with high credit Less is more. Stuffing is considered a credit card, professors from Dartmouth lines exemplified style. But your wallet with a deck maintaining this account College and Harvard A.G. Edwards, a when minimum payments of credit cards is not very with moderate charges and Business School, high levels division of Wachovia skyrocketed or you impressive or fashionable. on-time payments may of debt may be correlated Securities, LLC, offers experienced an emergency, Upon completion of your boost your credit rating. to financial illiteracy. The a variety of interesting the allure of credit quickly program, apply for one or survey revealed that only financial games on their became a fad that you wish two credit cards, perhaps 35% of respondents were Some offers only web site. Visit www. would have been buried in one major card and one able to correctly estimate agedwards.com, click on look good on paper. a time capsule. department store card. how interest compounds the “Investor Education” Once you have Did you ever buy a product Remember that inquiries over time and more than tab, and then choose completed your debt that looked wonderful in appear on your credit half of respondents did not “Kids Games” from the settlement program, you the store, but once you report every time you understand how minimum bar on the left hand side will be one step closer to brought it home, it did complete a credit card payments are calculated of the page. You will financial freedom. At this not perform as well as you application. Having many and applied to a principal then see links for several time, you can begin to would have liked? This recent credit inquiries will balance. The American games. The Savings re-establish your credit and idea could also be true of usually not improve your Bankers Association Quest game teaches kids make a credit comeback! sub-prime credit cards. credit rating. (ABA) has developed a free about the importance of Although your rating will Upon completion of your resource to help consumers budgeting, saving, and not improve overnight, debt settlement program, Start slow. With some make informed choices earning a pay check. consider the following ideas be aware of credit card fads, you may be unsure if about credit cards. “Guide Although it is classified as to rebuild your credit. offers that seem too good to you want to jump on the to Credit Cards” is available a children’s game, many be true. Sub-prime issuers bandwagon right away. In on ABA’s Consumer adults may also find this Revolving debt is may have lenient approval order to gradually make Connection web page at game interesting. The guidelines, but prey upon not in style. Many your credit comeback, www.aba.com. Make sure Star Trader game is for individuals with previous consumers realize that you may also want to that you also check your ages 10-adult and gives credit problems by charging fashion and trends are consider a secured credit credit report frequently. users the opportunity to astronomical approval fickle because they can card. The credit limit on You are entitled to receive a choose stocks and play and annual fees. These change from month to this card is based on the free credit report every year. the market. companies commonly month. Credit cards make deposit that you make. For more information, visit apply these fees to your it easy to charge all of the For example, if you put www.annualcreditreport. As part of their card. Therefore, you acquire latest gadgets and just pay $300 on your credit com. Schwab MoneyWise a balance before you make a low monthly minimum card account, you will initiative, Schwab gives any significant purchases. payment. Making this Become a teens and young adults a habit can create costly an opportunity to see trendsetter. As a prelude Educate yourself. unwanted debt because how major life decisions to your comeback, you Knowledge and education of compounding interest. will affect their finances can become a trendsetter never goes out of Also, consider the fact that with the “It’s Your Life” by practicing sensible style. Become an you may still be paying online game. Visit www. budgeting techniques while educated consumer on merchandise that was schwabmoneywise.com you strive to settle your by understanding purchased years ago or and then click the “It’s debts. Your friends and your credit card that is no longer used. Your Life” link. family will hopefully follow agreement. This Do you really want to you in your footsteps. may involve pay for holiday gifts Planet Orange, an Discuss with your family reading the three years from now award-winning online members various ways tedious fine print, or clothes that will game brought to you by to save money and visit but it is beneficial eventually wear out or ING Direct, educates sites for frugal tips such as to know your become outdated? You kids about spending, sav- www.Bargainist.com/tips, annual percentage can discover the true cost ing, and investing. Visit www.101waystosavemoney. rate, due date, late of paying the minimum www.orangekids.com and com/, and www. fees, etc. According to a with this online calculator experience a whole new mommysavers.com. recent survey conducted provided by Bankrate. planet.
  • 4. Spare Change: of Americans fall victim to out-of-control credit card costs and as the credit card market begins to News, financial tips, and other resemble the sub-prime mortgage market, U.S. information regarding personal Senator Robert Menendez recently announced a plan financial freedom to put an end to deceptive practices and irresponsible marketing. The Credit Card Reform Act goes beyond Private student scores or limited credit any other current legislative histories. Private loans also loans are costly for proposal in curtailing do not have the same range borrowers. A new study skyrocketing interest rates, of protections for borrowers curbing sudden changes in warns that college students that government loans have. credit card agreements, and are risking their futures For example, private loans restricting issuance of cards by taking out expensive are not subject to rate caps to consumers who don’t loans to pay tuition and Consumer Reports National coupons in product backed by most federally have the ability to make other expenses. These Research Center for e-mail newsletters and funded loans. The survey payments. More specifically, private loans now account ShopSmart magazine, manufacturer web sites. found that the interest rate the act will prohibit for nearly one in every women who use coupons Use store-loyalty cards with on some loans were as high practices such as universal four dollars of student and store-loyalty cards those coupons to save even as 19%. Also, issuers of default and retroactive rate borrowing. “Paying the save over 10% a year on more. You can also visit private loans do not offer increases. Card companies Price: The High Cost of groceries, the equivalent the web site for ShopSmart relief such as forbearance or will also have to receive an Private Student Loans and of $678 a year. Consumer magazine at www. hardship deferments. For opt-in approval form from the Dangers for Student Reports also states that shopsmartmag.org for a more information, visit the consumers under the age of Borrowers,” a recent report consumers can get money- variety of money-saving tips NCLC web site at www. 21 before they can mail this issued by the National off coupons and free and informative articles. nclc.org. age group card solicitations. Consumer Law Center samples from coupon sites The Credit Card Reform (NCLC), finds that private such as www.SmartSource. Credit card reform Consumers save Act has the backing of 11 student loans are almost com, www.Coupons.com strives to cease money with coupons. major consumer groups and always more expensive than and www.CoolSavings. deceptive practices. According to a new unions. federal loans, especially for com. You may also find As an increasing number poll conducted by the borrowers with lower credit 1875 South Grant Street Suite 400 San Mateo, CA 94402 Phone: (800) 655-6303 FAX: (650) 897-8800