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Simple Ways to Debt Relief By : Talbert There are simple, common sense steps you can take to get out of debt. Unfortunately, like losing weight, they are not necessarily easy or painless - but if you stick to them, you will become debt-free. Debt Management Includes Watching Out for Hidden Bank Fees By : Talbert Way back in the 1970’s, using a bank was downright difficult. Banks kept strange hours; many were typically open only from 9 AM to 2 PM on weekdays, making it impossible for the average customer to actually set foot in the place. Of course, virtually any financial transaction required interaction with a teller, and that, combined with the odd hours, made it really hard to do business with a bank. On the other hand, fees were minimal, and transactions were straightforward. How times have chang Credit Card Debt Can be Made Worse Through Negligence By : Talbert The fine print in a credit card bill can be a daunting read. The terms are lengthy, they’re written in “legalese” and your eyes typically glaze over before you finish reading. Despite the complicated nature of these terms, they are important, and consumers should understand exactly what sorts of things to which they have agreed. Credit Counseling - Are all Counselors the Same? By : Talbert In April 2005, Congress passed legislation comprising the most sweeping changes in U.S. bankruptcy law in more than a quarter of a century. The law, known as the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, was intended to prevent consumers with problem debt from being able to easily have their debts eliminated in court. New Bankruptcy Law Makes Counseling Mandatory By : Talbert The average household in America now has nearly $10,000 in credit card debt. One in three families have a home equity loan in addition to their first mortgage. Americans are saving at a lower rate than ever before. As a society, we are spenders, rather than savers, and sometimes that spending gets us into trouble. Fortunately, there are a number of services available to the financially troubled, including advisors who can assist and educate consumers about managing money. Most Credit Counseling Agencies are Honest; States Try to Keep Them That Way By : Talbert The recently passed Bankruptcy Abuse and Consumer Protection Act requires anyone considering a bankruptcy filing to undergo credit counseling first. That’s a great idea; it is an attempt to prevent future problems by educating consumers now. Bankruptcy Law Changes - The Bad By : Talbert The purpose of the new legislation, which President Bush recently signed into law, is to eliminate the so-called “bankruptcy of convenience.” Supporters of the bill allege that most personal bankruptcies are brought about by those with compulsive drug, gambling or shopping problems, and that such people simply don’t want to pay their bills. Debt Consolidation Part 2 By : Talbert A strategy sometimes used by consumers to better manage their debt problems. Rather than paying off several separate bills each month, a consumer consolidates his or her debts with a financial institution that will arrange for one lower monthly payment extending over a period of time. Bankruptcy Attorneys -What You’ll Need to Know About the New Law By : Talbert Congress recently passed the most sweeping bankruptcy legislation in more than twenty five years. The Bankruptcy Abuse prevention and Consumer Protection Act was written to make it harder for most personal bankruptcy filers to have their debt swept away through a Chapter 7 filing. The new law will require that potential bankruptcy filers pass a “means test” and most will not qualify for the Chapter 7 filing. Learning About Cash Back Credit Cards: Good or Bad Idea? By : Talbert Getting a credit card that offers cash back always sounds like a good idea. What could be better than getting cash back on all the purchases that you make with your credit card? It sounds too good to be true, doesn’t it? Well, there are cards that give you free cash, but it is usually only around 1% cash back. However, free money is free money, right? Well, sometimes. Identify Theft: Security for a Digital World By : John Thompson Identity theft statistics are rising every year. Unless you enjoy personally living through these horror stories, here are some tips to educate yourself on fighting this looming threat. FICO Score - What is It? By : Talbert The most accurate gauge for our performance in school is our report cards. The most conclusive measure for our performance at work is our evaluation report. The most definitive barometer of our performance in any video game is our game score. In the same light, the most definitive criterion for our financial fitness is our FICO score. Credit Cards: Low APR vs 0 Percent APR By : Michael Colucci Mano y mano, which one is better do you think – a credit card with low, ongoing APR or one that offers 0 percent APR as an intro rate? Homeowner Loans : A 3D View of Ownership! By : Marsha Claire A Homeowner loan is a dream come true for those of you with bad credit histories, those who find it difficult getting a loan sanctioned from the local bank or those forced into selling their home in a financial crisis. A homeowner loan is secured on your home and hence comes with attractions like low interest rates and flexible repayment options. The amount of money you can borrow depends on factors like the equity remaining in your home and your apparent ability to repay the loan. The Battle of Debt Reduction Methods: Debt Consolidation vs. Debt Negotiation By : Talbert If you are starting to have serious trouble paying your monthly bills, you should consider contacting a debt consolidation or debt negotiation company. What Everyone Should Know About Reducing the Risk of Identity Theft By : The Master Blog Builder Identity theft commonly begins with the loss or theft of a wallet or purse. But there are many high-tech and low-tech ways criminals get their hands on your personal and financial information in order to commit identity theft. Education is the first step in reducing the risks. Safeguarding Your Personal Information From Identity Thieves By : The Master Blog Builder To stop identity thieves in their steps, there are several things you can do. You can begin by freezing access to your credit file. Signing for Your Card Transaction Is Now a Thing of the Past By : Michael Hanna Chip and pin has now completely replaced signatures for card transactions. College Planning Starts Early By : Sonja Montiel Nowadays one can't wait until their children are seniors in high school to plan for college. This preparation needs to take place when they are high school freshman. The Truth About Credit Card APR By : Michael Colucci I certainly can’t blame you if you express disbelief and outright doubt when you read the words low APR credit card. That’s like an oxymoron that’s never going to come true, isn’t it? When did a credit card ever have low APR? Renting – Making Other People Rich By : Dan Lewis Many renters say they prefer to rent because it is simple and doesn’t carry the stress of home ownership. In truth, they are simply making other people rich. Create Tax Savings and Transfer Wealth to Your Child with a Roth IRA By : Richard A. Chapo Parents must give serious thought to protecting their family through estate tax planning. While life insurance and trusts should be a part of every plan, Roth IRAs can be a simple tool for passing money to your child on a tax-free basis. Is Your Credit Report Costing You Money? By : Sydney Jackson Everyone needs to take advantage of the new Federal Free Annual Credit report program, and everyone means you! Why? Because the odds are about 4 to 1 against your credit report being accurate at all 3 bureaus. That’s one of the things the big three credit reporting agencies don’t want you to know. And what you don't know, can cost you tens of thousands of dollars. Here's how to fight back. Why Is It So Hard to Get Ahead? By : drew miles Today’s generation fears not that they won’t have something, but that they won’t have everything. Twenty-five percent to 50 percent of purchases are unplanned. What’s the big deal? The average American will retire with only $57,000 to live on. Emergencies - Are You Prepared? By : drew miles A young man got into a car accident resulting in many bedridden months in the hospital and $100,000 of debt in hospital bills. Personal Accounts – Clever Ways to Manage Your Account By : Joseph Kenny Once you’ve found the right bank and the right account, you may be tempted to rest on your laurels. However, if you want to make the most of your money, you need to give it regular attention. Banks, Loans and How to Save Big Bucks By : Aurel Radulescu When shopping around for a loan, whether it be auto, home or consolidation, most individuals turn toward banks for the money that they need. There are a number of factors that can determine how much, or how little, money you can save. Money is Emotional By : drew miles Pathfinder operates on 10 principles originating from books 'Money Mastery' by Alan Williams and Peter Jeppson and 'The Richest man of Babylon' by George Clason as well as information I’ve learned over the years. Do You Have Good Posture? By : drew miles When I started saving, I wasn’t saving much. Times are Tight! By : Jeff Lakie Doesn’t it seem like wages are frozen in time? It can seem that way when we’re busily working at our job, which hasn’t seen a wage increase in years, while we watch prices at the grocery stores and petrol stations increase dramatically every single day.
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