Category Archives: Money matters

Thankful for the Online Source of Income

I first wrote about my passive source of income 10 years ago, the time when most mom bloggers that I knew never ran out of opportunities to earn from their blogs. For me, those were the good old days of blogging.

The passive income I’m getting from blogging and link advertisements has helped me in so many ways. From buying the little things at home, to paying bills, and even supporting my kids, who are both adults now, in their studies.

I was and still thankful for all the blessings that comes my way through my blogs. This year will be my ninth or 10th year in the blogging business. I’m still maintaining several blogs and still on the lookout for new opportunities.

Photo by Pro Church Media on Unsplash

I’m currently receiving opportunities or assignments from the following companies:

Valued Voice, Payu2Blog, Linkworth

If you are interested to start your own blog and monetize them, there are many good sources on the Internet to guide you. You should be able to know your niche as well. Would it be a personal, lifestyle or a general blog?   

Photo by Christin Hume on Unsplash

If in case, you already own a blog or you’re a social or video influencer and wants to monetize your site, you may sign up with Valued Voice and Payu2blog to start working and receiving tasks from them. (I’ll be receiving a small commission if you signed up through this referral link.)

If you are a business owner and you want to grow your influence on the Internet and reach a wide range of audience, Valued Voice will be of assistance. I’ll appreciate it big time if you sign up through the referral link.

I wish you good luck in your new endeavor online.  Check on the links provided in the post to help you earn your first online income. Hope you’ll receive your first assignment soon. Cheers!

3 Main Differences in Chapter 7 and 13 Bankruptcy

Finding yourself suffocated in a mountain of debt is never easy. Admitting that the problem lies in your poor spending habits can take years, and by then, you may only be faced with a few choices.

Photo by Melinda Gimpel on Unsplash

One of those ways out may be filing bankruptcy. A chapter 7 lawyer orlando fl is one person who may be able to help you shed some of the weight that pulls you down. Chapter 7 and Chapter 13 bankruptcy filings are the two most popular means for individuals and couples to get a resolution to the suffocating problem. Find out three of the key differences between the two, so you can decide if one will work better for you.

1. Chapter 7 Liquidates Some Assets 

When you think of bankruptcy, you probably envision someone telling you what you can and can’t keep. Chapter 7 filing, is as close to this vision as any other route. A trustee is appointed who will help you put your debts in order from secured to unsecured. The trustee will also review all of your assets and suggest the things that should be liquidated or given back to the lienholder in the case of secured debt. Some states allow you to keep your home and a vehicle under Chapter 7.

2. Chapter 13 Creates a Payment Plan

Chapter 13 may work for those who have enough income to pay off some of their debt in installments. Again the trustee puts obligations in order and then helps negotiate a reasonable sum for each. All of the debts are added and split into monthly payments which last from three to five years. Once the payment plan is fulfilled, the remaining debt is discharged from the credit.

3. Chapter 7 Stays on Your Credit Longer

Chapter 7 bankruptcy may be helpful to take care of sizeable debt; however, since you are not paying everything off, it can linger on your credit longer. A typical Chapter 7 remains ten years after discharge. Chapter 13 is usually gone after seven years.

Speaking with someone about your options is the best way to go when facing an uncertain future.

Factors That Affect Your Mortgage Terms

If you decide to buy a home, chances are you will apply for a mortgage. Understanding how mortgages work can help you determine how much spend on a home. Here are some of the most important factors that affect what sort of mortgage you can qualify for.

Image by mastersenaiper from Pixabay

Interest Rates

The current mortgage interest rates can affect the terms of a home loan. Your unique circumstances may determine what sort of rate you qualify for. The Best Mortgage Companyis one that will help you understand the relevant factors, such as your credit score, the location of the home, and the length of the mortgage. A good lender can also help you attain the best possible loan terms.

Eligibility for Special Loans

While conventional mortgages are fairly common, there are other loans that you may qualify for. For example, if you served in the military, you may have access to a VA loan. If you meet certain eligibility requirements, you could qualify for a USDA loan for a rural property.

Down Payment

The amount of your down payment can also affect the terms of the loan. If you have the cash to provide a large down payment, you may qualify for a more favorable mortgage with advantages such as a lower rate or a shorter loan term.

A lender like Sun West Mortgage can help you understand your mortgage options. Factors including your credit score and down payment can affect your eligibility.