By Mark P. Cussen, CFP, CMFC
Millions of Americans will qualify for relief under this act, but there are a few stipulations. Here's what you need to know--and do--to get your aid. Before you apply for aid, make sure you fall within the guidelines of the act. You can only apply for aid for your primary residence and not a rental, vacation or investment property. Any debt forgiven on a home equity loan may be counted back ...
By Laura Rupert Garcia
There is one good way to get out of debt and start saving some money. The answer is to use a personal budget. You may have no clue how to even start a budget, however there are many free personal budget templates on the Web. The categories listed in this article should be covered in any free personal budget. You may have other expenses that you could add to these. Several great budget templates...
By Chris Beazer
Your FICO score was created by the Fair Issac Company. This score has become one of the most important numbers in American financial lives. From getting an apartment or buying a home, to a new car or credit card, the FICO score helps lenders determine whether or not to extend you credit. Your FICO score is a separate number based off of your credit report. Your FICO score is separated into five...
By Thomas Chester
Becoming a millionaire is an ambitious and difficult goal that very few people accomplish. To give yourself the best chance for success, it's imperative that you understand the types of businesses in which millionaires are made and how to become successful in the fields. It's also vital to understand how certain intangible factors, such as good networking skills, savvy timing and an...
By Faith O.
Credit cards rates have a very wide range, from 0% (mostly for introductory periods) to the high twenties. The biggest determining factor of what rate you get on a credit card is your credit history--whether it is bad, fair, good, or excellent. In a tough economy with little or no credit available, it is highly unlikely that anyone with a bad credit history will be approved for a credit card....
By Charlie Rainer Gaston
Your FICO score is a product that can only be obtained through payment, your participation in a free trial promotion offered by one of the three credit reporting bureaus or other credit related websites like the MyFICO website or your participation in the Chase Freedom Card three-bureau credit score and credit report bonus program. Taking into consideration that you will need to participate in a ...
By Patti Wigington
When the economy is bad, one of the first places many people try to cut back on expenses is with credit card debt. Just by eliminating this part of your monthly expenditures, you could save hundreds or even thousands of dollars. Avoid paying late fees, penalties and extra interest by paying off your credit cards quickly. Pay more than just the minimum amount due. When you receive your monthly...
By Diane Dilov-Schultheis
Your home is where you spend a lot of your time. It is also what you spend a lot of your money on. By incorporating some of the following tips into your everyday life you'll soon have a comfortable amount of savings. Adjust your routine and you will soon see the financial benefits. Use this saved money to create a nest egg, pay off some bilsl or make a needed purchase. You can begin saving...