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Reader mailbag: Golf

I spent a good chunk of yesterday attempting to teach my children (four and two years old) the fundamentals of golf. The results were interesting. The younger one, my daughter, thought the best way to get the ball in the hole was to pick up the ball and put it in the hole.

personalfinanceissues.com An Online Calculator Which Helps

Question: California state tax return help?

I filed a IRS tax form…I filled out my form using online service. My federal tax form was accepted by IRS. I chose mail option…so, I mailed my tax form to IRS.
My state tax form is accepted by california state. Do I still have to print out the form and mail it to state??

When I checked my refund status, it said:
Please read the following information related to your tax situation:
Tax Topic 203 – Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations
Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS.

What is this means?? I am single with no children. I dont have any debt. Does anyone knows this means?? What should I do??

Answer: www.TAXadviceNOW.info

Vista Research And Management Provides Vehicle For Private Equity Investment For Public Investors

67 WALL STREET, New York - January 15, 2010 - The Wall Street Transcript has just published its Large-Cap Growth and Other Investing Strategies Report offering a timely review of the sector to serious investors and industry executives. This 53 page feature contains expert industry commentary through in-depth interviews with top tier Portfolio and Money Managers. The full issue is available by ...

Personal Finance Advice & Online Money Management Help

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Invitation-only site catering to mothers enters the market

Totsy.com has joined an increasingly crowded field of online sites that offer invitation-only limited sales. But Totsy aims to set itself apart from rivals like gilt.com, hautelook.com and ruelala.com because it specifically targets expecting moms and families with young children with items such as diaper bags, maternity clothes and strollers.The site, which already had 15 sales events for …

Online Debt Consolidation

Personal loans to soak up your seasonal excess

There are some good deals on offer if you meet the lending criteria, says Jill The new year is a prime time for consumers to seek out personal loans, often consolidating existing debts from Christmas. In January last year, for example, almost 60% of all loans issued were for debt consolidation purposes. Nationwide this week launched a market-beating personal loan rate of (typically) 7.6% APR for …

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Question: has anyone ever used a debt management plan?

I was looking it up online but there were horror stories about companies that were taking people’s payments and not paying their outstanding bills. I want to look into something like that but I don’t know how to go about doing it.

Answer: I don't recommend debt management companies, nor do I recommend Consumer Credit Counselling, because they either work for themselves (note the scams you mentioned) or they work for your creditors.

If you deal with a legitimate company, it will kill your credit, because all of your accounts will be noted that you are dealing with a service. This tells the world that you cannot handle your own finances.

Also, if you try to get a mortgage, this can be a worse mark against you than a bankruptcy.

Do what you can to work out something manageable with your creditors. If you have a decent credit score, you may be able to lower your payments with promotional rates offered by some of the major banks for balance transfers.

Good luck!

Annaly Capital Management Announces Monthly Commentary for December

NEW YORK----Annaly Capital Management, Inc. released its monthly commentary for December. Through its monthly commentary and blog, Annaly Salvos on the Markets and the Economy , Annaly expresses its thoughts and opinions on issues and events in the financial markets.

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