Welcome Home!

Greetings,

I’m Vicky Samuel, founder of Safe Harbor Financial Solutions, LLC and its’ Resource Center website, SafeHarborTV.com.

SafeHarborTV.com is a one-stop resource for financially fortifying your personal wealth. I have enlisted today’s technology to disseminate current information to help you stay informed about personal financial planning topics and how your own financial goals can still be achieved through both calm and turbulent financial waters. After each visit, it is my hope that you will become increasingly empowered with a new perspective on personal financial planning as it relates to your goals and financial success.

Welcome Home! with Vicky Samuel: The Blog, is my personal journal of experiences with financial planning but mostly with its’ impact on our lives, families and friends.

I look forward to sharing ideas, facilitating and hearing from you as we all face daily experiences relating to personal financial planning. Thanks for stopping by and I hope you will join in as a community as we share a common goal.

Welcome Home!
Vicky

Shopping From Home: Remember The 3-Day Cooling Off Rule

This federal law, which dates back to 1972, was intended to protect consumers in their homes during door-to-door sales pitches or at sales in temporary business locations. According to the FTC, the 3-Day Cooling Off Rule does NOT apply to the purchase of new automobiles or items sold online. It only applies when a company is selling something that costs $25 or more at a location other than its regular place of business.

Vehicle Repossession

If you’re like most people, you rely on your vehicle to get you where you need to go – and when you need to go – whether it’s to work, school, the grocery store, or the soccer field. But if you’re late with your car payments, or in some states, if you don’t have adequate auto insurance, your vehicle could be taken away from you.

California Attorney General Says Watch Out for These Credit Card Traps

Many credit card issuers have sent solicitations in the mail which advertise in large bold print favorable credit terms and seemingly low interest rates. These solicitations are not always fairly presented, and they may contain hidden terms. You should always read the small print and the terms and conditions before you agree to accept or activate a credit card. Be mindful of the following:

Blank Checks from Your Credit Card Issuer Carry Risks and Costs

Those blank “convenience checks” from your credit card company offer a quick way to write yourself a loan, pay bills or transfer other loans to your credit card account. But be aware that the use of a convenience check is a “cash advance” that comes with high costs and other potential pitfalls.

New Credit Card Law and freecreditreport.com

The new credit card law (Credit Card Act of 2009) brings freecreditreport.com under clear FTC rulemaking authority. The provision will require, in nine months, that any radio or TV ad for this over-priced subscription credit monitoring product or similar product will have to include the following words: “This is not the free credit report provided for by Federal law.”

Credit Repair: These Facts Can Keep You Out of Hot Water

Everyday, companies target people who have poor credit histories with promises to clean up their credit reports so they can get a car loan, a home mortgage, insurance, or even a job – after paying a fee for the service. The truth is that no one can remove accurate negative information from your credit report. It’s illegal.