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A Love/Hate Relationship: How Your Credit Score Can Open and Slam Doors for You By : drew miles Manage yourself and your money. Money is like food; we don’t eat only when we’re hungry, and we certainly don’t spend only when we need something. A Needle in a Haystack By : Jeff Lakie Wisdom is needed when making choices in life… especially when making financial choices! 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. Bankruptcy Information By : Joe Kenny Bankruptcy is a situation in which someone who owes money will seek relief from their debts by going to court. Though bankruptcy can be good in some situations, it may not always be necessary. 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. Bankruptcy: the Last Financial Resort By : Dave Carter Bankruptcy – the word itself is enough to send shivers down your financial spine. But in a world where perfection is all, and the visual expression of that perfection comes in the amount of possessions we can amass, bankruptcy is becoming an option for more and more of us. 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. Boost Your Savings By : Jeff Lakie It is general knowledge that residents of the United Kingdom are typically not savers. Budget Your Way to Success By : Jeff Lakie Budgeting sounds like a boring strategy used by our parents. For a long time, budgeting was considered the way to manage money because it helped people keep track of where their finances were going. 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. 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. 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 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? 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. 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. 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 Do You Have Good Posture? By : drew miles When I started saving, I wasn’t saving much. Don’t Say No. Get a Loan, Instead. By : Jeff Lakie You’re tired. You’re sitting alone in an uncomfortable chair at home after a hard day at work. You know you’ve got another couple days until the weekend, but there isn’t much going 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. 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. Financial Plan Your Way to Success By : Jeff Lakie Financial planning is often considered a boring strategy used by our parents to manage our money. For a long time, financial planning was considered the way to manage one’s money because it helped people keep track of money coming in and going out. Financial Planning and Insurance By : Jeff Lakie There are many vital parts of our financial plan: estate planning, mortgages, credit cards, and UK Secured Loans. 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. How to Avoid Bad Credit By : Joe Kenny Because we live in a society that is dependent on credit, having credit that is bad can make life very difficult. Many high paying jobs won't hire you. Lenders are unlikely to give you a mortgage. 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. 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. 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. 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. Money Management 101 By : Jeff Lakie Managing your money is a big task. But if you want to get by in this world, it’s something you have to do. It can be too painful for some, so it gets avoided. But for the people who realize it, the pain/reward relationship is well worth the trouble to spend a few minutes managing your 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.
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