Category: Education

While bankruptcy may be a life vest for most people drowning in debt, choosing to file is never an easy decision. For some financially distressed debtors, bankruptcy may not always be the best option. Several events can cause individuals to lose control of their financial situation. Divorce, job loss, lawsuits, foreclosures or credit card debt can drive a [...]

With the cost of college education constantly rising, it is very difficult for anyone to attend a university without getting some sort of financial aid. What is available? The Federal government provides any or all of the following financial aid programs to undergraduate* college students: Grants: Money that you do not have to pay back. Loans: Money [...]

What is Credit Insurance? Credit insurance assures a loan will be repaid in the event of the death, disability or involuntary unemployment of the insured borrower. It can be taken to protect all types of consumer borrowing, including loans to finance or refinance a home. These products may be sold by credit card companies, auto dealers, finance companies, [...]

What Are The Differences Between Unsecured And Secured Credit Cards? A secured card is a credit card that a cardholder “secures” with a deposit to ensure payment of the outstanding balance if the cardholder defaults on payment. Secured credit cards are targeted to customers with imperfect or limited credit histories who do not qualify for a traditional unsecured [...]

As with any insurance purchase, it is important to evaluate coverage and research your options to find the best coverage for your dollar. Here are some tips from the National Association of Insurance Commissioners (NAIC) to help you save money on your homeowners insurance. Shop Around Homeowners insurance can be costly, but it is necessary. The premiums charged for [...]

Credit cards are unsecured loans that do not require you to pledge any assets, just your signature. Most consumers are not aware of the rules and regulations imposed by the issuer of a credit card. It is important that you understand the major points of the credit card you are applying for or currently have. Learn about the [...]

According to the Federal Trade Commission, over half a million Americans will have their identities stolen this year.  The most common types of identity theft are: • Using or opening a credit card account fraudulently • Opening cell phone or utility accounts fraudulently • Passing bad checks or opening a new bank account • Getting loans [...]

National Referrals Addiction Help line 800-711-6402 www.addiction-help-line.com Adult Children of Alcoholics 310-534-1815 www.adultchildren.org AIDS Hotline 800-342-2437 www.ashastd.org Al-Anon Family Group 757-563-1600  Alcoholics Anonymous See local directories www.alcoholicsanonymous.org American Bar Association  Service Center 800-285-2221 www.abanet.org American Society for Adolescent Psychiatry 972-613-0985 www.adolpsych.org Americans with Disabilities Act 800-514-0301 www.usdoj.gov/crt/ada/adahom1.htm Auto Safety Hotline 888-327-4236 www.nhtsa.dot.gov Centers for Disease Control and [...]

A credit score is a number lenders use to help them decide: “If I give this person a loan or credit card, how likely is it I will get paid back on time?”  The score is generated through statistical models using elements from your credit report. However, your score is not physically stored as part of your credit [...]

A budget, or spending plan, is the best way to get control of spending and review if your money is used the way that will benefit you best. Managing money is a skill, and like most skills it requires a bit of discipline and lots of practice. Step 1: Journalize Your Spending Using a spending diary can [...]

There are many things to consider when deciding whether to buy or lease your next new automobile. To help you decide, we are reprinting an excerpt from www.leaseguide.com, with their permission. This website will give you the answers and information necessary for you to make an educated and informed decision. Leases and loans are simply two different methods [...]

There are two kinds of subscribers that furnish information about you to a credit bureau. Credit Grantors (banks, finance companies, etc.) are the businesses that lend you the money. Credit Users (car dealers, mortgage brokers, etc.) use the credit report to qualify you for a loan from the Credit Grantors. Credit Grantors are the only ones that are [...]

courtesy of http://online-bankruptcy-lawyer.com/ The thought of personal bankruptcy is very frightening, however over 5.4 per 1,000 people have filed for bankruptcy last year, and this rate has been growing at an average of nearly 7 percent. Researchers have determined that the primary cause of personal bankruptcy is uncontrollable levels of consumer debt oftentimes coupled with an [...]

courtesy of http://www.online-college-usa.com/ “Hey Dad!”, my son screamed from our front door, “I did it, I was accepted to Boston University.”. My momentary exhilaration was overshadowed by the financial realities of college, especially private college. A quick calculation of my costs for 4 years of tuition, and expenses came to roughly $250,000, a very intimidating [...]

courtesy of http://www.car-insurance-usa.com Congratulations, you have just purchased the car of your dreams; you worked a great deal, now it is time to insure it. Car insurance is mandatory in all states, and must be maintained throughout ownership. Insurance quotes can vary from company to company, and there are a few factors that you can control, [...]

courtesy of http://www.global-investment-institute.com/ Financial freedom cannot be achieved without budgeting. Budgeting involves tracking your sources of income and more importantly tracking your expenses. It is novel tool for controlling your expenses and making you aware of how you spend your money. At the outset, budgeting may seem to be onerous and boring, particularly for those [...]

courtesy of http://www.hometownquotes.com Just like auto insurance, policies have deductibles, and the same rule of thumb applies–carry the highest deductible you can afford. The higher your deductible, the more premium credit you can expect to receive from your insurance company. Your savings could reach 25% by increasing the deductible from $100 to $1000. Improve Your [...]