Personal Income & Finance Consulting Group

Warning! Your electricity bill may shock you. Rising fuel costs are pumping up the cost of your electricity. Here’s a look at what’s in store and how to combat those higher prices.

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It’s a familiar tune. Prices are going up. The latest item: the price of a stamp is going up by one cent to 42 cents next week. Add that to the laundry list of other things we’re paying more for. Here are top tips on how to save money by using a mouse.

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Record-high gas prices and the surging cost of food is just the beginning. Here are some top tips on how you can take the bite out of inflation.

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The Federal Reserve will decide today whether to continue cutting interest rates. Here’s how it will (or won’t) affect your wallet.

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You may be getting your economic stimulus payment as early as today. The Bush administration wants you to spend that money. But here are some smart ideas on what you can do with your money.

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Gerri Willis answers reader’s questions.

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Just getting to work is getting more expensive. But there are ways to cut down on commuting costs. Here are some top tips on how to save while driving to work.

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If your electronic junk has been piling up, Earth Day is the ideal time to get rid of unwanted items in an environmentally friendly way. Here are tips on how to recycle everything from your computer to your iPod.

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The House Education and Labor Committee voted yesterday on an Act to ensure that you have access to complete and clear information about fees associated with your 401(k). But there are still a lot of legislative hurdles to overcome, and many of us don’t want to wait for the government to make a decision.

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Here’s a guide to help you survive your upcoming travels.

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Here are some top tips on how to keep your retirement on track.

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If you’ve put your taxes off to the last minute, you can still find ways to keep Uncle Sam out of your pocket.

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Here are some top tips on how to invest in a volatile market.

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Here are some tips on how you can stop living hand to mouth.

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Here are some top tips to help you find the cheapest gas around.

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Question 1:

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Consumer confidence plunged to a five-year low Tuesday as tight credit markets, rising prices and worsening job prospects weigh on American consumers. But Gerri Willis is here to give us reasons for optimism.

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You’ve been hearing about how bad the economy is recently. But no matter how bad the news may get, there are some things you can do to insulate yourself from the slowing economy.

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From a gallon of milk at the grocery store, to the price of pizza and a gallon of gas - no one knows better than you just how much prices are rising. Here are our top tips on how you can beat inflation.

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Gerri Willis answers reader mail:

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We’ve already had five interest rate cuts since September of last year. And we may be on the verge of yet another one. What will this mean to your wallet?

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Congress is holding hearings on legislation that aims to reform credit card industry abuses. While consumers may not see protections anytime soon, here are some top tips on how you can fight back now against credit card fees.

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More and more people are raiding their 401(k) to save their homes. But if you’re a struggling homeowner, there are other options outside of foreclosure.

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Job losses are the worst in five years. If you’ve found yourself with a pink slip, or you’re worried you might get one, here’s what you need to know about your unemployment check.

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Question 1:

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Interest rates on 30-year mortgages are down and mortgage applications are up. Is it time to refinance?

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Federal Reserve Chairman Ben Bernanke took to the podium yesterday, outlining the need for lenders to keep troubled borrowers in their home. Here’s what it means to you and how to take action.

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Do you have any advice for people with private student loans? My husband faces an interest rate of 10% attached to his private student loans. Is there any hope to reduce it? - Katie, Ga.

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Do we have to claim our government rebate checks as income on our 2008 tax return? - Dusti, Idaho

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Rising oil and gas prices are putting the squeeze on everyone’s budget. Here are top tips on how to save money on energy.

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Mortgage payments sucking you dry? Boomers short on retirement savings may have another option: reverse mortgages. Can these complicated products fill the gap?

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Banks are tightening their purse strings, making it harder to qualify for loans. And now the Better Business Bureau is warning that some companies are using the credit crunch to take advantage of consumers who want to clean up their credit. Here are some top tips on avoiding these scams.

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Instead of jewelry, chocolate or flowers this Valentine’s Day, get your special someone a gift they’ll really benefit from. Here are some financial tips for couples that will fatten your wallet.

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The deadly tornados in the South are a stark reminder of how important it is that we have enough insurance on our homes. Here are some top tips on making sure our homes are covered.

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The Federal Reserve cut rates by half a percentage point yesterday. That’s good news for consumers. We’re here with top tips on the best money moves right now.

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As recently as five months ago, consumers had the banking world at their feet.

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It’s been a rough ride for investors this year. You may be thinking about putting the brakes on your 401(k) contributions. But there are better ways to protect your retirement.

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The Federal Reserve cut rates by half a percentage point yesterday. That’s good news for consumers. We’re here with top tips on the best money moves right now.

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The stock market may be in turmoil, but that doesn’t mean your personal finances have to be. But there are a lot of web sites out there designed to make your financial life easier.

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A lot of you had questions on how to recession-proof your life. Gerri Willis had to clean out the inbox early. So we’re bringing you e-mails early!

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I wanted to get college funds started for the kids this year. Should I invest in a 529 plan or a Roth IRA? I thought you could take money out of your Roth for education and not be penalized. - James, Kansas.

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We’ve been hearing how bad the economy is and how a recession is looming. But before you start hiding your money in your mattress, remember there are opportunities in a down market.

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Along with higher credit card interest rates, tighter credit standards and tougher penalties on late payments, your bank fees are hitting record highs. Gerri Willis is here with top tips on how to avoid getting ripped off.

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The credit crunch may be bleeding into the student loan industry. Here’s what it could mean to your wallet and how to protect yourself.

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I’ve lost $9,000 in a week due to the declining stock market. Should I pull out my money and put it into CDs or should I ride out the storm? I am only 36 so I have time to make it back, right? - Seasick

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Your credit card interest rate could shoot past 30 percent, even if you have good credit.

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Unemployment is soaring, foreclosures are mounting and Americans are having more trouble paying off their loans - and that’s stoking fears of a recession. We’ll tell you what you need to know about the R-word.

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No matter your age you have probably heard about preparing for your retirement. Everyone needs to begin saving in their early 20s in order to really take advantage of all the money they can save for their golden years. But, what about those people who are unable to save or start too late? What about the people who do not save enough? If you feel like you may be one of those people then you ought to consider a way that you can make money without actually having to work very hard. One good option is to invest in real estate. When you do this you will be able to have a constant and steady income stream throughout your golden years and the only thing you need to do is manage the properties. However, you can even hire that out and just enjoy the income! If you think this could be a good idea for you then you may want to take a real estate investing seminar. The reason you need to take a real estate investing program is so that you can learn all the details about real estate investing so you won’t commit any of the mistakes many others do.

You’ve thought about it, dreamed about it… now you can do it. Be debt-free in 2008. Here’s how.

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Loan Site Plus is the easiest way for mortgage brokers and loan officers to achieve an online presence that can greatly improve revenue for their business. The fully comprehensive feature set will automate your business at a price that cannot be beaten. You will be able to easily construct and maintain your own mortgage website and send online newsletters on a regular basis that will allow you customers to stay up to date with your latest offering. With this mortgage marketing technique, you can take online applications and have the data imported directly into your approval software like Encompass or Calyx Point.

With Loan Site Plus you have the power of CRM Content Streams which is a powerful automated email system that makes it easy to stay in touch with all of your contacts. Using the CRM Tools you are provided with a number of email articles that both your current customers and future prospects will receive. They can be used to keep in touch with clients on a monthly or quarterly basis, or for after loan multi-step referral emails. Loan Site Plus is the premier mortgage loan marketing software used by professionals across the world. To grow your business, visit LoanSitePlus.com today.

E-mail questions, holiday edition.

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The deadline for getting your packages mailed out is fast approaching. Here’s your survival guide to holiday shipping so you can get that last-minute present to your in-laws.

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Before we ring in the New Year, there are some things we can do NOW that will help us out come tax time. Here’s what you need to know.

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Despite the credit crunch, Americans will donate more than $100 billion to charities. Here are the best ways you can make sure your donation is going to the right place.

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Most analysts see the Fed cutting rates for the third consecutive time tomorrow. What investors don’t know is just how deep the Fed will cut. What will this mean for your mortgage? Here’s what you need to know.

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It’s that time of year. The invitations are going out for the annual office bash. But before you don that lampshade, here’s a survival guide.

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Question 1: How long do I have to keep my mortgage before I can refinance? - Wayne, PA

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A congressional panel turned the spotlight on what has been called “unfair” practices of credit card issuers yesterday. This is part of a broader regulatory effort to crack down on credit card practices that are deemed unfair to customers. Here’s how you can fight back against rising interest rate fees.

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Today Treasury Secretary Henry Paulson outlined some steps the federal government, lenders and investors would try to do in order to save struggling homeowners.

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Question 1: You say that bad credit will be forgiven after seven years. But what happens after seven years? Are creditors not able to see your past history or will they not use it against you? - Lawrence, PA

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