In order to achieve total financial freedom and independence, there are a couple of financial goals that you will need to set yourself to accomplish. Financial freedom is fully reachable for anyone who determines in their heart to get there, and it is wise to set goals for yourself to have a sense of success along the journey of getting there. In this article, we are going to look at a couple of financial goals … [Read more...]
My relative has bad credit – Should I cosign?
Should I cosign? Before you cosign on a loan let's be clear what it is. What is cosigning? It is the act of signing on another person's debt with them, (a car, house, any type of loan) guaranteeing that the cosigner will make the payment in case the buyer cannot. In this article, you will learn the pros and cons of cosigning, what a cosigner does, and why someone needs a cosigner. Back in the day, a man was as good … [Read more...]
Estimate Your Taxes With A Tax Bracket Calculator
Know Before You File With A Tax Bracket Calculator Uh-oh, It's the end of the year or worse yet April 15th is creeping up on you may be wondering, what is my tax liability for last year and how can I lower my tax burden to the IRS. Well, with a tax calculator and a little understanding about deductions you will be in a much more informed and strong position figuring out your tax owed. Not to say that you will be … [Read more...]
Debt Management For Veterans
Veterans Have Access to Great Debt Management Options Debt consolidation statistics show that Americans have a long history with debt, while veterans and military personnel are no exception. The studies show that military personnel generally carry more personal debt than civilians, with a quarter of military personnel with credit card debt owed of $10,000 or more, compared with only 11% of civilians. Other debts common … [Read more...]
Should You Get Secured Credit Cards?
Secured credit cards can be a valuable tool in building credit Secured credit cards, also known as no credit credit cards, are an excellent option for a person who has no credit or is establishing credit. For many people in these situations, a secured credit card is their only option. Over time, a secured credit card will make it possible for people with credit issue to qualify for an unsecured credit card. What is a … [Read more...]
Can You Get Unsecured Loans with Bad Credit…
Unsecured Loans Money and creditors are tight these days and with the number of jobs going away and downsizing putting many out of work. It is sometimes necessary for you to get a little help in the form of a loan. However, with the financial climate being what it is today. Banks are very reluctant to unlock the doors to their vaults and release their cash to the general public. And that's what this article is … [Read more...]
Unsecured Credit Cards for Bad Credit
Unsecured Credit Cards for Bad Credit A bad credit score has the ability to harm a person's financial security and overall value of life. Most people might not realize this but their credit rating reflects their financial reputation. People with a bad credit score are probably not good at managing money or have had a major unexpected shock to their economy. Once a lender finds out about this, chances are they will not … [Read more...]
How to Rebuild Credit
Let’s talk about how to rebuild credit. You know, sometimes life throws you some big whammy’s and makes it impossible to pay your debts. After you miss enough payments your creditors will surely start getting aggressive in their tactics to ascertain payments from you. The average credit score in the US is 687. If you start missing payments your score will start plummeting and eventually if you just can’t pay your … [Read more...]
What financial experts say about the road to accumulated wealth
What financial experts say about the road to accumulated wealth. According to experts, just about everybody in the world basically has the same financial goals and they are to pay off their debt, save money and retire comfortably. But, besides those very basic goals, building wealth is on everybody's mind. The how and the wherefore, however, seem to be what your average investor seems to struggle with. And, with the … [Read more...]
I am poor… now what?
Ever uttered the words I am poor? It sucks but you can change it. Here's are some helpful tips to get back on your feet. Being poor is something that can happen to anyone at anytime. If you've looked over your finances and told yourself "I'm broke" and "how did this happen and can I change it" listen up. Instead of saying "help me I'm poor", you can find ways to change your situation. You don't want to be a poor … [Read more...]