How to earn in Cyberspace I livein the Web. I moved here about ten years ago when the engineering company I was managing closed down in the wake of the Dot Com collapse. It was a smooth transition from temporary to permanent residence. Inside the Web, a major city out here in Cyberspace, I have my own ‘cell’ which I occupy for up to eighteen hours a day. These days I leave my cell only to sleep.   What do you do? Strangers ask: “What do you do in there?” I explain gently that I do anything and everything. “Give us an example of a typical day,” they plead. “Well, take yesterday. I received a call from a company that has been invited to make a proposal to a manufacturer to operate their chemical analysis lab.” “What do you know about operating a lab?” “At that moment, I knew nothing. After a few hours, a great deal. By the end of the day, Full article…

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The Home Affordable Refinance Program (HARP) is a program of the federal government aimed at helping mortgage borrowers, particularly those with little or negative equity for a traditional refinance. When it first debuted, it didn’t impress. A big reason for HARP’s failure was that it depended on lenders voluntarily reducing the interest rates of captive borrowers who were repaying their loans.

A new version of HARP, dubbed HARP 2.0, was announced in late 2011 to try to address some of the original HARP’s shortcomings, and Fannie Mae and Freddie Mac released guidelines on the new program in November.

If you’re underwater and have a Fannie Mae or Freddie Mac loan in good standing, you may be able to refinance to a lower rate today. (You cannot get a HARP 2.0 refinance is you’ve already gotten a HARP refi under the old program, though.) Here’s an overview of the HARP 2.0 changes.

Major changes with HARP 2.0

Borrowers no longer captive

With HARP 2.0, homeowners can go with any lender willing to refinance them — and mortgage lenders should be more willing now than in the past to finance your home.

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Begin reading as much as you can about how to grow your income and make wise decisions. There are so many books and seminars available to people who have had to go through this experience. It is important to sharpen your financial literacy so that you will never have to find yourself in this situation again.

Suze Orman and Robert Kiyosaki have some great material about how to begin thinking differently about money. You will be amazed at how the rich people think differently about their finances than the rest of us do.

Look for a better paying job; if this is one of the reasons that you found yourself in this situation; because of your current job. Well it is time to become better educated and try to find a better paying job. After bankruptcy there is no better time than to start fresh and find someone who is willing to pay you more.

Do not become stagnant in the same job just because you do not want to change your life. It is important that you learn how to begin making more money.

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Ive been writing about finance for many years now, having trudged through the many reviews of online software to help consumers budget.   Quicken has always been my software of choice, but I have to say that as of today, Ill be using HelloWallet for all of my budgeting needs.  This software may be a bit more expensive than others, but the quality and functionality is the best Ive seen and used.

Oddly enough, I hadnt heard about HelloWallet until stumbling upon them through word of mouth from a friend just a few days ago. I was expecting to see an undeveloped raw website that still had a lot of work to do.  Hesitant to pay $8.95 a month, I signed up anyway and will show you why I like them so much, and why I think you should scrap Quicken, Mint.com and all of the others (if you can afford to do so).

In life, you get what you pay for. Whi

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