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Negotiating debt settlement can be intimidating, especially if you have been dealing with the fear tactics employed by aggressive collection agencies. While you can enlist the help of professional debt settlement services, doing it yourself is really not that difficult if you follow a few helpful tips. If your bills are piling up and you […]

Recent laws may allow for the late mortgage payment help you have been looking for and provide the debt relief solutions you need to change your financial situation. New legislation that eliminates the tax implications of foreclosures and short sales. Are you one of the countless victims of a struggling economy and now find yourself […]

How do teens learn personal budgeting and money management? Children need to learn the importance of budgeting early on. Money management for teens has historically been the responsibility of the parents; however schools have begun offering courses in this area. There are also workshops available for teens to learn this skill. So what is the […]

If you have questions about your credit report, here is how to contact Equifax, Experian and TransUnion, the 3 major credit bureaus. Here are the main addresses and telephone numbers for each of them: Equifax P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111 Experian P.O. Box 2002 Allen, TX 75013 1 888 397 3742 TransUnion P.O. […]

What are the pitfalls of loans between friends and family? Most people like to keep personal and professional business separate, especially when it comes to money. Poor business management can ruin friendships, and the same is true about financial management in a money-lending situation. There can be situations, however, when there really is no one […]

Use Credit Wisely Any small purchases made with credit should always be paid in full each month. Larger purchases on credit should be budgeted to be paid within 3 to 6 months. Set a goal to payoff car loans, and other big ticket items, in less time than they are financed. Using credit wisely means […]

An interest only mortgage is exactly what it says. The payment you agree to make will be interest only payments, and nothing will be applied to the principle of the loan balance as long as you continue to make interest only payments. Find out if this is the right type of home loan for you. […]

Informal bankruptcies happen now; no one ever talks about them, or would admit they did it. The new bankruptcy laws that went into full effect in October, 2005, mean a substantial increase in these unofficial bankruptcies so it’s important that you know what they are and how they affect you. What Is An Informal Bankruptcy? […]

{{cringe}}… {{GROAN!!}} Income tax filing… preparing those awful tax forms. Yes, it’s that time of year again… when you worry about filing your tax returns; wondering if you will get a refund… or worse yet, have to pay more in! It’s best to just plunge right in and get things together now, so you can […]

Let’s face it, we all want to learn how to save on insurance premiums. There are many different types of insurance. You can buy auto insurance, renter’s insurance, homeowner’s insurance, motorcycle insurance, life insurance, health insurance, business insurance, and other types. It is essential that each of us know and understand how to save on […]