If you find yourself hopelessly in debt with no visible way out, debt negotiation just might be for you.  If you are experiencing difficulty meeting your monthly obligations, it is vital to act quickly in finding a way to resolve this scenario. People often put this off, simply hoping the problem will resolve itself when, [...]

No, we are not kidding!  It is possible to pare down to one income, even in today’s economy.  The fact is, more couples are relying on two incomes than ever to meet their monthly financial obligations.  Statistics reveal that nearly 79% of married couples today find both husband and wife holding down a job.  This [...]

No doubt about it: current mortgage rates are exceptionally low right now.  As a matter of fact, mortgage rates are as low as they have been for decades, making the present time a great time to purchase a home or refinance an existing home loan.  However, is refinancing a good idea? (Read full article here)

A great place to go if you are facing foreclosure is the Internet.  Regardless of how you feel right now, through the many resources offered online, you can research what options are available for you to then know what to do next when faced with foreclosure.  As can often be the case in situations such [...]

As we see the world wide economic situation worsen, people everywhere are concerned about how they are going to keep their jobs and continue to meet their financial obligations.  Sad to say, there are no concrete answers due to each person’s situation being unique.  However, if you still have a job, it is imperative that [...]

If you are experiencing unresolved debt, no doubt it is keeping you up at night!  Even though there is good reason for this, it is not something we enjoy.  With the phone constantly ringing with demanding creditors on the other end and an endless stream of letters in the mailbox, it is hard to forget [...]

With more and more people looking into starting their own business, one of the things needed is the establishment of credit for the business.  Whether you are a business owner or are considering becoming one, it is vital to gain the business credit necessary to have the financial access needed to ensure your business survives [...]

No matter your age, now is always a good time to begin planning for your eventual retirement. If you haven’t been preparing or planning for your inevitable retirement, you need to start thinking about financial planning for retirement living, whether you’re in your 20s, 30s, or 40s. The earlier you start financial planning for retirement [...]

Broken down to its simplest term, a credit card in and of itself is nothing more than a small piece of plastic that easily fits in your wallet. But hold on: in reality, it’s not ‘just a piece of plastic’!  In reality, it’s a very powerful piece of plastic that is actually a representative form [...]

If you find yourself in need of debt negotiation, you need to be aware of specific principles that should be followed in order to experience a successful debt negotiation.  Even though debt negotiation is never a pleasant task for anyone, you can make it a lot less stressful if you work with your creditors instead [...]

Whenever considering filing for bankruptcy, there will be certain assets exempt from bankruptcy.  In addition to this fact, there are also some debts exempted as well.  There are certain debts that you have accumulated that will still have to be paid, whether you file bankruptcy or not. (Read full article here)

There are two very good reasons why taking out a line of credit is a good idea and both are valid ones. (Read full article here)

In this world where high interest payments are so prevalent, possessing 0 apr credit cards is no longer a luxury; they have become a necessary hedge against paying too much for something charged.  Prior to obtaining one of those 0 APR credit card offers in the mail, I was paying a very high rate of [...]

Unless we are from another planet, when hearing the phrase “credit card debt” we flinch.  However, this phrase is becoming commonplace in our society.  The fact is, as much as we would like to, we can’t seem to stop using credit cards!  Seriously, how often do you want something, but can’t afford it? At times [...]

As the saying goes “when I was a child, I thought as a child” could have included viewing the cost of living through the eyes of a child.  If you are like me, the cost of things took on a whole new meaning once I grew up!  As a child, I never gave what something [...]

Even though interest rates on 30-year fixed mortgages are no longer at historic lows, they still remain historically inexpensive.  As the economy shows sputtering signs of recovery, the housing market continues to struggle.  This being the case, now might be a good time to take the plunge into home ownership. The following examples reveal that [...]

In 2005, even with protesting from some bankruptcy lawyers, consumer advocacy groups and judges, the government passed The Bankruptcy Abuse Prevention and Consumer Protection Act.  The reason for their protests was due to them believing that this act could potentially damage consumers who were over their head in credit card debt and not provide the [...]

As the country struggles under an ever increasing sea of debt, we are awakening to the possibility of “sowing what we have reaped” to the tune of being beholden to countries that are at the least Socialist and at worst Communist.  This does not bode well for a nation founded on the capitalist system, whereby [...]

Okay.  Here is my first “new post” beginning a new start in my approach to what is going on within our government and our country, as well as all around the world.  I am indebted to so many that are willing to blow the trumpet better than I.  As such, I will leave that to [...]

Here is an  excellent article link to eagleviews.org revealing what is all too true: we are addicted! http://eagleviews.org/2010/05/16/government-addiction-the-new-drug-of-the-new-deal-generation/ Unfortunately, the current government acceleration of spending with nothing to back it up is only a reflection of how way too many citizens also live.  Have it now, pay for it later mentality.  Reminds me of a [...]