JJ 7 asked:


Over the past few years, I’ve received several offers from credit card companies, or companies like GE that are for personal consolidation loans.

I have no experience with something like this, but it seems it would be easier than paying separate credit cards, etc.

Can anyone tell me if these things have any hidden costs and if they are worth considering?

wise investment asked:


I heard from other people that they itemized all the receipts from groceries and other items that has taxes on them and they include this when they file their tax. They don’t own businesses so I don’t get how they can do this. Is there a separate form that I can fill out to include all my expenses that has taxes on them?

Alchemist asked:


Hi!

I have a personal finance blog http://www.vatsinvesting.com and I want to know how I can increase traffic to this blog. I want people to share news/ideas/resources about the personal finance on my blog but haven’t got much traffic there.

Any idea how I can increase the traffic?

obiwandog asked:


I am looking for a personal finance website that can link all my accounts for a single view. I read about one months ago that had a community feel to it wherein people categorized their transactions and then the system learned and could match similar transactions across the community – i.e. you tell it that Kroger is a grocery and it will categorize my Kroger spending as grocery.

I am looking for a simple site that is free and can bring some value other than just aggregating my data to one location.

Any help is good help – thanks in advance.

LadyLiberty asked:


I have $60,000 in various student loans, but since consolidating my combined payment is only $300/month. I have no other debt. Do lenders view student loan debt differently due to the flexibility of the loans? Also, would they look more at the total amount of the debt or the monthly payment when determining the rate and loan amount?

dmbfans101 asked:


Obama’s tax break for 95% of people includes 40+% of people that do not pay taxes. Plus he is not planning to extend the Bush tax cuts, therefor increasing taxes on 49% or tax payers.

Richard M asked:


I am a self-employed consultant as of this year, so I am responsible for both income and self-employment taxes. If I cover all income taxes due with estimated taxes during the year, but do not include funds to cover SE taxes until I file in 2009, will it appear on my filing next April that I have under-paid, incurring penalties and interest?

quake1920 asked:


I just completed graduate school a few months ago and I consolidated my student loans from undergrad and grad school and it is time to start repayment on my student loans. How many times can you defer your student loans..I consolidated them with the extended payment plan which is 30 years?

Annie P asked:


We live in Hawaii and our mortgage has become unmanageable. We just found out our house is worth 64k less than we owe. We have good credit though are overextended because of mortgage. No defaults and one 30 day late pay. We want to sell but do not have the credit left to get a 64k loan to pay off the rest of the loan. We desperately do not want to go into foreclosure. Any options anyone is aware of?

Jos asked:


Can a foreclosure be removed from your credit after a year? How long does this stay on your credit report?