How to get a personal loan with bad credit
If you have bad credit you might be tempted to turn to a personal loan company if you need cash. This is not necessarily a bad idea but the odds are, it won’t be much cheaper […]
Need money fast? Here are your 5 cheapest options
My guess is you are reading this post because you need money ASAP and you don’t want to pay an arm and a leg for the cash. Am I right? Good. We’re both on the […]
Do you know how your credit score is calculated?
Your credit score tells the world a lot about you. It tells creditors if it’s worth it or not to lend you money and at what rate. And like it or not, employers use your […]
How to save big on guaranteed life insurance
If you’re looking for term life insurance but don’t want to fill out a detailed medical questionnaire, you might be interested in a Guaranteed Issue life insurance policy. 4 Easy Questions Some people are really interested in […]
5 reasons why you shouldn’t close your credit card
It’s not at all unusual for people to close out a credit card after paying it off. But in most cases, it’s not the right thing to do. As hard as it is to believe, […]
How to succeed at DIY investing
You may find it weird to see a financial advisor telling others how to become great do-it-yourself investors. I understand that. But I’ll let you in a little secret. I know that there are people […]
7 ways to negotiate with creditors
Negotiating with creditors with whom you still enjoy a good standing is an important skill – and very different from negotiating with debt collectors. The idea is to avoid your credit problems reaching the point where […]
5 tips for making your own living trust online
You can make your own living trust online very easily. For those of you who aren’t familiar with this subject, a trust allows you to control who receives your assets after you die. But that’s just […]
Serial debt consolidation: The road to financial ruin
People often try to deal with mounting debt and credit problems by doing a debt consolidation. In theory, it’s a sound idea. But in reality, one debt consolidation leads to another, and then to another. It’s called serial […]
4 ways to finance a home improvement project
The best way to finance a home improvement project is not to do one. That’s because the cost of these jobs almost always outstrips the value they add to the resale price of your home. And if […]
7 ways to deal with large medical bills
Large medical bills are a different kind of debt. This is partially because they don’t come from traditional lenders, and because you can be swapped with a very large amount of debt in a short […]
Here’s how to never run out of money
Most people I meet don’t really care about acquiring great wealth. But everyone wants to make sure they never run out of money. If that resonates with you, I have good news. You really don’t have […]
How to write a credit dispute letter
If you’ve ever discovered there is erroneous credit information in your records, either by getting a letter from a creditor or, more commonly, in a line item on your credit report, then you know how […]
How to become self-employed now
Being self-employed isn’t just a dream. You’re reading this because you want to work for yourself and believe me, you can make it happen. I don’t need to convince you. I do want to congratulate you […]
What to do if your income isn’t covering your expenses
Do you find it difficult to make ends meet each month? Do you shake with worry when some unexpected major expense pops its ugly head? If so, you’re not alone. An unsettling report came out […]
Why you pay tax on mutual funds even if you make no withdrawals
The tax treatment of mutual funds is confusing. It’s very possible to make a ton of money on your funds and pay no tax. But it’s just as easy to watch your account values drop […]
How to use a credit-builder loan to rebuild your credit
If you have a bunch of bad credit in your past, and you are looking to get a fresh start, you should take a serious look at credit builder loans. They can be the perfect way […]
How fast do your credit scores change?
Once you put all the work into cleaning up your credit history you want to see your efforts pay off fast. That makes sense. The reality is the speed at which your credit improvements are reflected in […]
How cosigning a loan can destroy your credit
Cosigning a loan can be a loving gesture, especially since it is usually done for a family member. But if you do choose to do this, keep in mind how dangerous this is. The reality […]
7 killer ways to simplify your financial life
The simpler your financial life is the more secure it will be. When you spin lots of plates., you increase the odds of having a few of them fall and break into a million pieces. I’m […]
Why you should never buy life insurance for children
Never buy life insurance for children. Life insurance is a tool that can protect your entire family. There are two ways that this tool helps them already: 1. It protects you from an estate tax […]
How to refinance your credit card debt fast & save huge
If you’re saddled with high-cost credit card debt it can feel like you are in a prison. That expensive old debt weighs down your credit rating so it’s hard to refinance at a lower rate. […]
5 ways to reduce debt & increase your credit scores
We all know how paying your debts on time and correcting credit errors can improve your credit score. But you can also improve your credit score by reducing your debt. Credit scoring models consider credit utilization to be the […]
Can you retire now? Here’s the complete answer
It’s entirely possible that you have enough money to retire now, but you may not know it because you may not be asking the right questions. It’s also possible that you are planning to retire […]
Help! My credit cards are maxed out – what now?
When you reach a point where your credit cards are maxed out, a whole chain of events begins to unfold, none of which are pleasant. It’s not a significant issue if one of your credit […]
Do you need a professional trustee to manage your living trust? Probably not
Naming a professional trustee for your living trust is a dangerous proposition. Let me share an example that illustrates why. Joanie and her brother have been trying to settle their mother’s estate for the last […]
How to buy life insurance for people who are ill
Just because you have poor health doesn’t mean that you can’t get the life insurance you need. I usually get an e-mail at least once a week asking if there is such a thing as […]
How to make extra money with skills you already have
It’s mind-blowing that more people don’t use the common skills and resources they already have to make significant extra income. As you’ll see, this can be an easy mission to accomplish. By the time you […]
How many bank accounts should I have?
If you’re asking yourself how many bank accounts you should have, I can almost guarantee that you have too many already. While this may seem like a minor and benign issue, I can assure you […]
Why it’s so hard to eliminate credit card debt
There are all kinds of strategies for eliminating credit card debt. Entire books have been written on the subject. However, anyone who has tried to pay their debt down knows that it’s much easier said […]