As of October 3, 2015, anyone purchasing property will get easier-to-understand disclosure papers for their mortgage.
Gone are the Good Faith Estimate, HUD-1 settlement statement, and 2 Truth in Lending Act disclosures. Those 4 documents are replaced by 2: the Loan Estimate and the Closing Disclosure.
If creditors and debt collectors are hounding you for money, you may wonder: Can Social Security be garnished? The answer is: It depends on to whom you owe money.
Procrastination can have far-reaching effects on important activities and decisions, such as completing tasks at work, obtaining medical treatment, and saving for retirement. A study of more than 22,000 people suggests that chronic procrastinators tend to have lower salaries and a higher likelihood of unemployment.