Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year.He has also offered debt elimination seminars to businesses and community colleges for the last 9 years. He has been interviewed on the radio a number of times and referenced in numerous publications.http://learncreditmanagement.com/
The Other Face Of Payday Loans Some time ago I wrote a rather blistering article about Payday Loans which you are welcome to read. But because of its tone, I decided to take a second look at this multi-billion dollar industry in order to learn and to offer you, the reader and consumer, any positive aspects of payday loans.By way of background, payday lending is primarily regulated at the state level. However in October 2006...... Similar Editorial : Face Check Up by Kathy Thompson. | Source : Instant Payday Loan Approval
40% Tax-free Pay Raise If you are an employee, you can get a 40% pay raise without ever asking the boss. And it's all tax-free. Similarly, if you are an employer, you can show each of your employees how they can earn a 40% pay raise and it won't cost the employer a thing. Before writing me off as being a pair short of a full deck, read on.The following information is based upon figures gathered in the late 90's from U.S...... Source : Trust Income Tax
Senior Debt - A Growing Problem Chris Tapp, UK deputy director of Credit Action, said: "Retirement should be a time for some well-earned relaxation, but for all too many it is a time of financial stress... when we consider that inflation hits the over-60s hardest, pension provision is looking increasingly shaky, and we have moved away from a savings culture, we can see that the levels of debt amongst the over 60s, as well as...... Similar Editorial : Senior Healthcare by Gordon_petten. | Source : Reducing Credit Card Debt
How Bad Is Your Debt Vulnerability? The American consumer is looking at a very scary environment! He/she is also becoming more and more vulnerable to serious debt collection issues. The new bankruptcy law, increased minimum credit card payment, tightening of debt counseling options, exceptionally easy access to very high credit limits and even skyrocketing fuel costs are bringing together a very volatile collection of issues....... Similar Editorial : Getting Out of Debt by Ted Batron. | Source : Reducing Credit Card Debt
Debt Priority - Emergency Hierarchy Of Debt What do you do when all of a sudden the month is just beginning and the $$$$'s are gone? You put the emotion away and get crackin' with bill priorities and some cold hard facts about your bills... and maybe even the priorities in your life. Believe it or not, some bills are definitely more important than others. Don't forget, this is an emergency.Rent/mortgage - You aren't getting very far without...... Similar Editorial : Getting Out of Debt by Ted Batron. | Source : Reducing Credit Card Debt
Fundamentals Of Paying Your Debts Okay, you feel your debt is out of control and it is too late to say, "I wish I had taken action sooner." What do you do? First of all you don't panic and you keep things as simple as possible. Secondly, look to see just how bad it really is. Third, decide which of 4 actions to take with your debts:1. Ignore them. 2. Pay them. 3. Negotiate Them 4. Declare Bankruptcy. This article will concentrate...... Similar Editorial : Music Fundamentals by Nigel Rowles. | Source : Reducing Credit Card Debt
Debt Destroyed By Magic Bullet You can eliminate all debt in the fastest possible time by starting an avalanche.I recognize that starting or getting caught in an avalanche probably would not be your idea of an enjoyable time. But what if I told you that the principles of an avalanche are very similar to the principles used to eliminate all debt in the fastest possible time-frame.Consider the following: By applying specific...... Similar Editorial : Niche Marketing Destroyed by Stuart Reid. | Source : Reducing Credit Card Debt
Bankruptcy - Is It The Last Option Only? Bankruptcy is available when all other debt payment measures have failed and the unpaid debt is simply beyond the means of the consumer to repay. It is essential, then, to understand debt options prior to bankruptcy and to determine which debt repayment method is the least detrimental. Additionally it is the law of the land that you know your debt repayment options prior to bankruptcy.Here, then,...... Similar Editorial : After Bankruptcy by John Harris. | Source : Bankruptcy House
Improving Your Credit Score Can I improve My Credit Score? The first and most essential trick to improving your credit score is insuring the accuracy of each of your credit reports. Only after you are certain of their accuracy should you begin planning other steps to improving your credit score.Your credit score can be improved and maintained at its peak... if you know how to do it. I recommend reading Credit Score Basics in...... Similar Editorial : Improving Credit Score by Diane Palmer. | Source : Good Credit Rating
More Money Common Sense The way to more spendable money is not complicated. You either decrease expense or you increase income. Decreasing expense is the subject of numerous other articles at this site. Increasing money and doing it through a common sense approach is the current subject.How Much and Why? - Without an objective, how will you ever know when, or even if, you ever arrive? And without a plan, you will be...... Similar Editorial : The Sink Sense by ARA Content. | Source : One Silver Dollar
How To Curb Your Spending The Federal Trade Commission (FTC) says, "If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation [debt negotiation], or bankruptcy. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future."The purpose of...... Similar Editorial : Curb Your Enthusiasm by Britt Gillette. | Source : Free Money Management Software
5 Proven Steps To Budget Motivation If you ever wanted to get ahead financially... if you ever thought you wanted to get out from under a sea of debt... if you ever wondered where the money went... YOU NEED A BUDGET! But how do you develop a good budget and how do you stick with it?Developing a Workable BudgetReview your last 12 months of check registers. If you find any cash withdrawals without an explanation other than â€...... Similar Editorial : Proven Tips by Everaert Patrice. | Source : Money Market Return
Credit Scoring Basics What is a credit score? Is there a good or bad side to credit scoring? How is a score calculated? What is "FICO"? What are the benefits of credit scoring? What are the down sides?In a nut shell, a high credit score helps your request for credit to be approved. It can also mean lower interest on loans or even insurance rates. Low credit scores can cause higher rates and loan denials... and even...... Similar Editorial : FICO Credit Scoring by C R Ellsworth. | Source : Best Credit Score
Protecting You, The Consumer The Fair Debt Collection Practices Act (FDCPA) was established to protect the consumer from harassing and illegal tactics used by unethical and unscrupulous debt collectors. The act does not apply to the original creditor but does apply to someone other than the original creditor who tries to collect on the debt.Here are the basics of that act and how they affect you from the Federal Trade...... Similar Editorial : Protecting our Environment by Alan Olson. | Source : Shopping Sale
Judgements, Liens, And Other Legal Issues In the field of debt collection and delinquencies, judgments and judgment risk factors are a very real concern. Will a creditor sue and seek legal judgment against me? If he does, what type judgment might it be? What exactly is a judgment and what can I do about it? These are just some of the questions answered in this judgment article. But please note. The content of this article is for consumer...... Source : Copyright Photos
Money Debt And Credit The greater the communication at these times on both parts, the less of an impact there will be to both parties and the sooner the final separation will occur.Communication is critical in a marriage. It is just as critical in a divorce... Similar Editorial : Apr And Credit Cards by Jenny Styles. | Source : The Wealth Of Nations
Pay Raise For Military You even have the option of reducing the need to bring in a paycheck by living on less with a simpler life or a life more to your choosing. Give yourself a real pay raise. Get out of debt... Similar Editorial : Ask For A Pay Raise by Cher How Tan. | Source : The Wealth Of Nations
Fundamentals Of Paying Your Debts 2. Do not run out and grab the first debt counselor that happens by. The Truth About Traditional Debt Counseling explores the question who are the good guys and the bad guys in this potentially lucrative industry?... Similar Editorial : 2009 Year Of What by Rick Kohnenkamp. | Source : A Wealth Of Nations
