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Author: host Created: 1/16/2011 12:51 AM
The SurePath Blog is full of information about all things money. Whether you're knee deep in debt, planning for your future or just getting on your own two feet, you'll find valuable information to help along the way.
By host on 4/22/2014 7:53 PM
National Foundation for Credit Counseling survey results and how SurePath helps.
By host on 3/26/2014 9:52 PM

Filing your tax return is a once-a-year event but trimming your tax bill is something you can do right now.

By Sandra Block, Updated January 2014

By host on 3/11/2014 12:38 PM
From the Federal Trade Commission's Bureau of Consumer Protection Getting a Mortgage after a Short Sale

If you are struggling to make your mortgage payments — or you’ve missed making some payments — you may be thinking about negotiating a short sale of your home with your lender. After all, a short sale may not hurt your credit rating as much as a foreclosure. What’s more, while borrowers who go through a foreclosure may have to wait seven years before they’re eligible for a new mortgage, short sellers may qualify in two years.

But according to recent news reports, some mortgage loan underwriting systems are unable to distinguish short sales from foreclosures on consumer reports. And that may keep or delay you from getting a new mortgage.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, has some tips to help short sellers...
By host on 2/25/2014 2:57 PM
Courtesy Washington Post Of the 13 million couples who expect to become engaged this year, half will do so on Valentine’s Day, according to a spending and saving survey by American Express. The midwinter romantic holiday and the upcoming high season for weddings prompted one mother to ask me to offer some advice to her two daughters who recently got engaged.

She wrote: “My husband and I are heading into retirement and, like everyone, we wonder if we have planned to maintain a lifestyle we envision. We have saved money for our two daughters’ weddings. They are both college graduates (ages 25 and 30) and in good jobs. As we head into the wedding-planning whirlwind, we hope they both have chosen wisely and have long and happy marriages....
By host on 2/3/2014 3:30 PM
Investors Flee Stocks (USA Today) Exit, stage right: Greed. Enter, stage left: Fear.

The financial markets have taken a look at 2014 and aren't liking what they're seeing. "We're getting slapped around here a little bit," says Andrew Brooks, vice president and head of U.S. equity trading at Baltimore-based T. Rowe Price. "The world is a little nervous."

And how. The Dow Jones industrial average fell 326.05 points Monday, a 2.1% decline, bringing its 2014 loss to 7.3%.

Making the world nervous all year: jittery emerging markets. Turkey's stock market has plunged 13.3% in U.S. dollar terms this year and 29% the past three months, according to MSCI. Russia and South Africa's markets have both fallen more than 10% this year.

STOCKS MONDAY: Indexes lose 2% or more

By host on 1/24/2014 11:15 AM
7 Ways to Automate Your Savings By Meg Favreau, Senior Editor of Wise Bread (Courtesy of America Saves) Anybody who has ditched plans to eat a salad to scarf down a plate of nachos instead (like I did, um, yesterday) can tell you that even though we humans usually know what’s best for us, it’s sometimes difficult to actually do the right thing. This is especially true when it comes to saving money -- for emergencies, for retirement, or for almost anything else. But there is some good news. Studies show that once we do set money aside, we’re likely to leave it there. So how do we get ourselves to save in the first place? By automating! Here are six easy ways to do just that. 1. Sign Up for Your Company’s Retirement Plan If your company offers a 401(k) or 403(b), this is one of the best options for automatic savings. Not only do these retirement plans automatically put money you earn into a retirement account before you have the opportunity to spend it, but most employers offer a contribution match. That means that for every dollar you contribute (up to a certain amount), or employer will deposit an equal amount into your account. That’s essentially free money, and it’s one of the biggest benefits you can get at a job. Take advantage of it....
By host on 1/17/2014 11:09 AM
With lenders under pressure from the Obama administration and the Consumer Financial Protection Bureau to help prevent more graduate students and other private-student-loan borrowers from joining the 850,000 who are already in default, Citizens Bank, the UK-owned Rhode Island company that's one of Pennsylvania's largest lenders, says it's preparing to be one of the first banks to offer student-loan refinancing: variable-rate loans into fixed-rate loans, interest rates starting below 3%, no fees, and other perks. The Citizens Bank Education Refinance Loan is in part a response to a recent CFPB report on private student loans, which linked some students' difficultlies paying back to their loans to the fact that student loan debt -- since it can't be easily written off even by bankrupt people -- is hard to consolidate with other loans into refinancing loans. Bankers met last week with CFPB boss Richard Cordray to talk about the problem. CFPB found "that there are very few refinancing options for student loans...
By host on 1/5/2014 12:08 PM
Even though mortgage rates are now low, so are home values and employment rates. That means a lot of homeowners are struggling with underwater mortgages or a loan they simply can’t afford to pay back.

Even if you are doing just fine financially, you likely know someone who isn’t. It’s quite possible that one of your own family members is in danger of losing their home due to repeated missed mortgage payments. So what can you do to help?

Options for Helping Family Hold on to Their Homes 1. Write a Check If you are financially secure, the best way to help out someone in a tight spot is also the easiest. Providing that extra cash when it isn’t available from any other source can be just what your family member needs to pull through a temporary setback.

However, temporary is the operative word here.

Emergencies like illness or job loss happen, and take a significant toll on a budget, but recovery is often achieved with a bit of time and outside assistance. Then again, financial emergencies...
By host on 12/29/2013 8:39 PM
It won't be long before the credit card bills arrive- here's what to do if you can't pay them off right away.
By host on 12/9/2013 4:56 PM
Tips for the holidays that cover everything from safe toys to healthy eating!


April 21 Press Release
Ways to Save on Taxes All Year Round
Vital information for the recently engaged
Fear Reigns as Investors Flee Stocks
Seven Ways to Automate Your Savings
Banks Begin to Refinance Student Loans
Dealing with Post-Holiday Credit Card Debt
10 Holiday Tips
SurePath Financial Solutions, a nonprofit organization, provides caring, innovative solutions that educate and empower consumers to successfully handle immediate financial challenges and plan for their future.