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  • 1. The credit card you pick can save you money
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    Terms of Use: The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper'sChecklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They can  More...
  • 2. Basics about Payday Loans and other check cashing services
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    Terms of Use: Friendly looking people proclaiming the benefits. Smiling representatives, extending a hand. The ads for payday loans and check cashing services are appealing and perhaps you've been tempted to check them out. What is a payday loan? Payday loans are usually small, short-term, high-rate loans intended to get you cash before payday. The idea is that once you receive your paycheck, you'll pay off the loan. These loans may also be called cash advance loans, check advance loans or p  More...
  • 3. Are credit repair companies a good source to turn to for help in repairing my credit?
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    Terms of Use: Credit repair companies advertise that they can erase bad credit and create a new credit identity legally, all for a hefty fee. Don't believe it . No one can legally remove accurate and timely negative information from a credit report. No credit repair company can do anything you can't do for yourself for free. Only time, hard work, and a personal debt repayment plan will improve your credit report. If you need assistance, you have several options. Credit counseling serv  More...
  • 4. Basics about bankruptcy
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    Terms of Use: When the amount of debt you have seems impossible to ever repay, one of the options you may consider is filing bankruptcy. This option, of course, should never be entered into lightly. Be sure that you have researched the pros and cons, and that you have considered alternatives to taking this drastic step. Discharging your Debts Having your debts erased is called getting a discharge of your debts. A discharge is actually a court order that proclaims that you do not have to pa  More...
  • 5. How can I deal with debt when I'm out of work?
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    Terms of Use How to Deal with Debt When You're Out of Work You've found yourself without a job, not knowing how long you may be unemployed. What can you do now to manage your finances in the short-term and long-term? Here's a six-step plan: Step One: Prioritize your debts Step Two: Talk with your creditors Step Three: Pay what you owe (at least the minimum payment amount) on time Step Four: Cut back on your expenses Step Five: If you have to borrow, find the least expensive sources  More...
  • 6. What's a tax refund loan?
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    Terms of Use Tax refund loans, also called instant refund loans , or refund anticipation loans , target lower income consumers, but many other moderate-income families fall victim to these offers, as well. For a loan fee ranging from $30 to $115, you receive a loan for the amount of your refund (usually up to $5,000) within one to two days. When your refund is received in a special bank account set up by the lender, the loan is repaid. Cash-strapped taxpayers have paid outrageous loan, a  More...
  • 7. Credit and debit card blocking
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    Terms of Use: Credit or debit card blocking happens most often when you rent a car or check into a hotel. For example, when you present your credit card, the clerk scans your card and this action may electronically ask the financial institution that issued the card to “block,” or reserve, part of your line of credit to cover the expected costs. If it's a hotel, the amount could be the cost of your room for the length of your stay, plus extra expenses like meals and phone calls you ma  More...
  • 8. Basics about debt
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    Terms of Use: High debt and misuse of credit cards make it tough to save for retirement. Money that goes to pay interest, late fees, and old bills is money that could earn money for retirement and other goals. How much debt is too much debt? Debt isn't necessarily bad, but too much debt is. Add up what you pay monthly in car loans, student loans, credit card and charge card loans, personal loans - everything but your mortgage. Divide that total by the money you bring home each month. The result   More...
  • 9. Medical bills
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    Terms of Use: Did you know that bankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year? Unpaid medical bills are the number one cause of bankruptcy filing in the U.S. today, outpacing bankruptcies caused by credit card bills or unpaid mortgages. The data finds that most of those who filed for bankruptcy were middle-class, well-educated homeowners and carried health insurance. Since bankruptcy is an extreme measure, perhaps there are steps you can take n  More...
  • 10. Your "Get Out of Debt" Step-by-Step Roadmap
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    Terms of Use: Your Get out of Debt Step-by-Step Roadmap You've heard the old saying, live within your means. Easier said than done for some. The important thing is that you've reached a point where you realize your life would be a lot less stressful if you didn't have bills to worry about. Short of winning the lottery, what can you do? Here's help. Four rules to live by: 1. Be realistic! If you are spending $500 a month now on food, don't expect to cut your grocery bill t  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.

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