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Talbert's Articles in Personal Finance

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The Battle of Debt Reduction Methods: Debt Consolidation vs. Debt Negotiation If you are starting to have serious trouble paying your monthly bills, you should consider contacting a debt consolidation or debt negotiation company. FICO Score - What is It? 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. Learning About Cash Back Credit Cards: Good or Bad Idea? 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. Bankruptcy Attorneys -What You’ll Need to Know About the New Law 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. Debt Consolidation Part 2 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 Law Changes - The Bad 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. Most Credit Counseling Agencies are Honest; States Try to Keep Them That Way 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. New Bankruptcy Law Makes Counseling Mandatory 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. Credit Counseling - Are all Counselors the Same? 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. Credit Card Debt Can be Made Worse Through Negligence 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. Debt Management Includes Watching Out for Hidden Bank Fees 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 Simple Ways to Debt Relief 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.

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