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5 Types of Unsecured Debt

Ask any millionaire about attaining wealth and the first thing they will tell you is to get rid of your debt.As the bible states, “The borrower is slave to the lender.”  Debt has been the reason why many people have failed financially and cannot prosper. The sad reality is that most people in the world are harboring some form of debt. Some people have referred to debt as cancer that eats away their mind and drains … [Read more...]

The Art of Budgeting

Getting a grip on your finances is one of the most important things that a person can do. One of the scariest statistics around is that many people are one paycheck away from being out on the street.Many people live from month to month and have no savings. They don’t even have a plan about investing money or how to minimize their expenses while trying to increase their income. One of the first things that finance schools … [Read more...]

What Is a Good Debt to Income Ratio?

balancing best and income

Credit and debt are central to a modern economy. For better or worse, when borrowing is robust, other financial indicators often follow suit. However, debt that is unmanageable can seriously disrupt--if not destroy--household solvency. For this reason, as well as for their own protection, financial institutions carefully underwrite loan applications, determining whether or not a borrower can comfortably absorb monthly … [Read more...]

What Is the Fair Debt Collection Practices Act?

Fair Debt Collection Practices Act

What Is the Fair Debt Collection Practices Act? In an era where consumers rely heavily on credit for purchases, it is no surprise that a number of them fall short on making the required payments. Among high finance charges, unexpected outlays and unstable employment, borrowers come under increased pressure to gather enough money for both existential needs and debt satisfaction. In the face of hostile and aggressive … [Read more...]

Buying a house after Bankruptcy

buying a house after bankruptcy

Buying a house after bankruptcy is very possible Buying a house after bankruptcy can be a tremendous task for those who are just coming of out a financial disaster. There are many hurdles that need to be addressed concerning credit recovery. One question that seems to remain on people’s minds, is will they be able to purchase a home after filing for bankruptcy? For most people coming out of bankruptcy the goal is to … [Read more...]

The Best Financial Goals for Your Financial Freedom

a road sign with the words financial freedom on it

The Best Financial Goals for Your Financial Freedom 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 … [Read more...]

My relative has bad credit – Should I cosign?

Cosign

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 … [Read more...]

Estimate Your Taxes With A Tax Bracket Calculator

Magnetic Letters Tax Bracket

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 … [Read more...]

Debt Management For Veterans

Debt puzzle piece

Debt Management For VeteransVeterans 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 … [Read more...]

Should You Get Secured Credit Cards?

Lock on Credit Card

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 … [Read more...]

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Recent News on WealthMaverick

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  • The Art of Budgeting
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