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1). Adjustable Rate Mortgages: This Home Mortgage Loan May Not Be For The Weak At Heart I heard the news about another interest rate hike and thought it was about time to look into refinancing my mortgage. I contacted my mortgage company first. "I am interested in a fixed mortgage rate." I said. "May I ask why that is?" The broker asked politely. "I don't want to deal with the risk of rising inte... 2). Credit Counseling – Can It Get You Into More Trouble? Does your heart skip when the phone rings? Are you afraid to open the mail and get another letter from a debt collector? If so, you are not alone. Many Americans are in debt up to their eyebrows and most don't even know what options are available to help them. They just struggle paycheck to paycheck, make minimum payments and watch with frustration... 3). Debt Management Plans – A Way To Survive The Debt And Come On Top Debt Management Plans Debt Management Plans (DMP) is placed one step beyond credit counseling and a stone's throw short of bankruptcy. If you are too deep into debt and unable to pay them, a credit counseling agency may recommend Debt Management Plans. This is a serious step that should be considered carefully along with better money m... 4). Payday Loan: Legalized Highway Robbery Or Real Financial Help? Need extra money to get you to the next paycheck? Payday loans come to the rescue. However, you should be prepared to pay the price which is usually a hefty one. But there are steps you can take to minimize the financial damage. What are Payday Loans? Cash advance loans, post-dated check loans or deferred deposit check loa... 5). Reverse Mortgage: A Dignified Way For Retirees To Supplement Income And Take Care Of Expenses For many Americans reaching the retirement age, the equity build up in their home is their only real asset. Reverse mortgage is a way to tap into this asset and create a stream of income needed for retirement or take care of an unexpected financial need that is usually related to health care costs in the elderly. Reverse mortgage is n... 6). Wrist Watch – The Portable Timepiece That Can Remind Us Of Our Spiritual Nature I love words. They are tiny windows from which our Soul shines through. Even the most un-educated among us has choices in words. So how do we choose our words? It is my belief that our true identity, Soul, directs our mind and tongue to use one word and not the other, when both words would convey the same meaning. In these tiny prefere...