-
You may end up declaring bankruptcy during a financial crisis, but it shouldn’t be taken lightly. This pros and cons list may help you discover whether filing for Chapter 7 or Chapter 13 bankruptcy is fitting for your situation. Pros of Declaring Bankruptcy Collections Stopped: Filing for bankruptcy stops...
-
Since the economic crisis in 2008, it has become increasingly clear that borrowers with lower credit scores are more likely to default on their loans than people with high scores. Due to this risk, the requirements for credit scores have become stricter. Individuals with bad credit scores are less...
-
“As sure as death and taxes,” so the old adage goes. Paying taxes isn’t easy, but the alternative – being in the IRS’ bad books – is no walk in the park either. So what should you do when you find yourself in a situation where you are genuinely...
-
The freedom of working from home may be tempting, especially if you work well individually and don’t enjoy the bustle of corporate life. It should be noted that self-employed people are not exempt from federal and state taxes; they must pay their share of taxes just like traditional office...
-
The easier it is for your customer to spend money on your site, the more they’ll spend. Seems simple enough right? Think about it though. If you’re considering making a purchase of a product from a website but you’re not 100% certain yet, the payment process can be a...
-
It may be an understandably difficult time if you are looking at the prospect of filing for bankruptcy. It is worth remembering, however, that some of the most successful people in history had to file for bankruptcy at some point in their lives: Abraham Lincoln, Thomas Jefferson, and Walt...
-
Fixed-rate mortgages are the most widely used form of home mortgage loans. It is a basic arrangement in which the lender calculates the principal amount, using a single interest rate, and then divides the sum equally over an agreed period of years. The most popular terms are 30-year and...
-
You need to know these risks when investing in stocks: investing in stocks could result in the loss of all the money invested and in some instances even more. Prior to investing in stocks it is important to acknowledge and accept the risks inherent in such an undertaking. Important...
-
Mobile wallets such as Apple Pay and Google Wallet have the potential to be revolutionary. Imagine running to the store with only your smartphone and car keys! However, many consumers are wary of these mobile payment apps for a variety of reasons. Some don’t trust the security of these...
-
When seeking sources of credit funding, various factors must be considered. Comparisons must also be made among the different options available. One of the options overlooked by most people is taking a loan from their 401k plan. Two of the most common reasons loans from 401k plans aren’t taken...
-
Traveling abroad can be expensive, and sometimes you need to send money to family and friends who are abroad. Thankfully, there are inexpensive, easy ways to transfer money anywhere in the world—keep in mind that the prices may vary based on your location and the amount you’re sending. The...
-
Everyone has heard that their credit score has an effect on their eligibility for loans and other financial Credit score can greatly affect the amount of money that a bank will loan and the interest rate that the money is loaned at. Different types of loans will be more...
-
Filing for bankruptcy is a big decision. It can get you out of a tough financial situation, but can you afford it? If money is tight, you may not be able to file as easily as you’d hoped. These are the general costs of filing for bankruptcy. Chapter...
-
We all like to hope that we won’t need an attorney, but we also like to have that one “lawyer friend” just in case. If you find yourself in any of these situations, you’ll want to go ahead and call him up. Trust us. 1. When You’ve Gone Bankrupt...
-
With the right product or service, even the little guy can take on his competitors and win. But in order to compete against the big guys, the small business owner needs to be able to offer customers the same conveniences other merchants are offering. One of the biggest conveniences...
-
Bankruptcy can be a taxing, burdensome process. How does your life change now? These are some of the major ways your life is going to change after filing a Chapter 7 or Chapter 13 bankruptcy case. Credit Card Offers The unfortunate truth of bankruptcy is that creditors use this...
-
The Home Affordable Refinance Program (HARP) is a U.S. federal program that began in 2009. The goal of the program is to help struggling homeowners refinance their mortgages. The following is a short history of HARP and how the program continues today. The Crisis After the U.S. housing bubble...
-
We are heading towards a cashless society whereby we are using digital technology to move money and to purchase things without even opening our wallets and taking out psychical money. When online banking was first introduced, we had to sit at our computers either at the office or at...
-
Trying to figure out how to accept credit cards online doesn’t have to be as complex as it seems. It is really as simple as finding the least expensive and most convenient route between your customer’s credit card and the bank account. At its core, it is really just...
-
If you would like to be able to get a loan without leaving the house, you’ll be happy to know there is a variety of loans you can find online. Here is an overview of the main five types of loans that are available through online lenders. Mortgages Most...
-
A payday loan, also known as a “cash advance” loan, is a loan for a small amount, usually under $500, and is due on your next payday. The cost to receive a payday loan is high, at $10 to $30 for every $100 loaned. The average fee of $15...
-
There are different kinds of investment. It doesn’t only mean the stock market or letting your money sit in your bank account. A big bulk of the population invests their money through mutual funds, which is what this article is all about. Mutual funds are defined as a company...
-
Taxes and bankruptcy are two complex matters that many people would rather not think about, let alone discuss. If you are contemplating bankruptcy, however, it is important to understand how the two impact each other. Many factors affect the relationship between bankruptcy and taxes. Bankruptcy law permits owed taxes...
-
Tax time is often a stress-filled time of the year for many, particularly taxpayers who have to pay money into the government. Many taxpayers turn to tax relief services for a helping hand. Are they legitimate or just a scam? Learn more about tax relief services, how to spot...
-
Online credit card processing is way cheaper compared to traditional POS (point-of-sale) systems. Using your credit card through merchants and services that accept credit cards using online platforms and mobile devices is usually stressful, not to mention a hassle to set up. Besides, customers would never dare to compromise...
-
When you’re trying to first get a business loan, you need to remember that it’s not nearly as easy as it may seem. If it doesn’t seem easy you’ve caught the idea. Getting a business loan is not going to be simple, you need to be ready when you...
-
Homeowners considering refinancing of their properties may qualify for an FHA streamlined refinance loan, cash-out refinance loan, or a no-cash refinance loan. According to FHA loan rules, applicants for a new mortgage must meet the eligibility criteria, not be the same party as the original loan, and reside on...
-
If you have an interest in making more money and preparing for your future finances, then you must be thinking about investing in the stock market. The stock market is a particular market where stocks and bonds are traded. The stock market also, according to the way some people refer...
-
If you’ve found a credit card that offers flexible cash back rewards, you’re in business! Unlike point-style rewards, cash back on purchases gives you flexibility and freedom. Often, cash back credit cards run specials offering an even greater percentage of your purchases as cash back. Many charge no annual...
-
Eventually, a time comes in every consumer’s life during which he or she will need a personal loan. A personal loan is long-term or short-term cash advance that different institutions give to applicants who qualify. You can use a personal loan for a wide variety of reasons such as...
-
If your business is closely watching the tight bottom line, then you will be happy to know that there are free business checking accounts out there, whether you would prefer banking online or at the real brick-and-mortar branch within your area. However, to find a Business Checking Account, you...
-
Your credit score is probably one of the most important, yet overlooked numbers in your life. This figure can either save you tons money or cost you just as much. Your credit score can prevent you from getting a job, it can stop you from being able to purchase...
-
Joining the military gives you the chance to fight for your country and show your pride, but you can also get incredible financial benefits. Enlisting allows you to go to college for free and so much more. Here is an overview of some of the best benefits you can...
-
Taxes and death are a major fact of life and so is overlooking claimed deductions on one’s tax returns. The accountants that are overwhelmed with numerous tax questions or returns at such a period in the year all say a similar thing: Most people are not getting what is...
-
Accepting credit cards doesn’t have to be super complicated, but it often feels like it. From unclear credit card processing online rates to long service contracts and complex compliance subjects, it’s no surprise that accepting credit cards as a payment technique leaves some small business owners reeling. Here are...
-
If you are venturing out on your own and starting a new small business, you must be looking for a loan. There are alternatives to banks that people use to borrow money at much lower interest rates than the bank, commonly known as merchant cash advance (MCA). This was...
-
If you’re in the process of starting a new small business and are hoping to open a business checking account, you need to ensure that your own personal finances are in order. If you are one of the millions of people around the US with a poor credit report,...
-
Sending money across the United States and abroad is incredibly easy, especially with all the new technology. Unfortunately, criminals have come up with scams to get people to initiate wire transfers to tap into your bank account. Avoid falling victim to these scams by reading about some of the...
-
Whether you’re applying for your first credit card or are well-versed in the area of credit card types, you may still have questions about reward credit cards and how they really work. Here is an overview of the most widely-used reward cards as well as the pros and cons...
-
After taking a back seat to credit cards for many years, personal loans are popular once again. More and more people are turning to the lower, fixed rates of personal loans, especially after the most recent financial crisis. Personal loans can be used on just about anything, but there...
-
If you’ve ever had a car loan, then you’ve had an installment loan. A mortgage loan is another type of installment loan that is quite common. These types of loans are repaid with a set number of scheduled payments. Typically, it includes more than two payments made toward the loan. An...
-
You need to know these risks when investing in stocks: investing in stocks could result in the loss of all the money invested and in some instances even more. Prior to investing in stocks, it is important to acknowledge and accept the risks inherent in such an undertaking. Important...
-
Have you considered hiring a bankruptcy lawyer? You technically don’t need to hire an attorney to file for bankruptcy, but hiring an experienced, dedicated attorney is a wise decision. Before you shrug off the idea of hiring a lawyer, read these five advantages to having a bankruptcy lawyer work...
-
Retirement shouldn’t be something that you leave until the last minute – it should be something that you start strategically planning as early as possible. Of course, that’s not always a priority for some. People begin preparing for retirement at all stages of life, and one of the most...
-
You need to have a lot of self-discipline and self-regulation to be able to stick to your budget. However, at the end of the day, while a budget may feel restrictive, you have to shape up and consider your future. One of the best things you can do for...
-
Congratulations on starting your own business! Now that the hard part is done, you probably need some personal loans to fund your business. There are some great places to get a personal loan (even personal loans with no questions asked) but you probably want to keep debt as low as...
-
Starting a business is not a simple task; you put a lot at stake, including the entire investment amount. And you often require a lot more money to expand your business, and at times like these, it may be a sound idea to make use of a business credit...
-
The stock market is usually affected by various seasonal trends that no one can tell exactly when to buy stocks. An old saying “sell high buy low” is a strategy that does not focus on when to do it. However, understanding how the market operates is a great way...
-
Do you want to earn cash rewards for your everyday purchases? There are several companies that issue incentives to card holders in the form of reward credit cards. However, some of the credit card issuers aren’t credit card companies; they can even be a mortgage lender. The mortgage lender...
-
There are many reasons you may want a personal loan rather than using your credit card. Personal loans can be used for paying off debt, educational fees, home improvement, car financing, wedding expenses, travel, training, and business expenses. The first thing you need to do is understand the terms...
You may end up declaring bankruptcy during a financial crisis, but it shouldn’t be taken lightly. This pros and cons list may help you discover whether filing for Chapter 7 or Chapter 13 bankruptcy is fitting for your situation. Pros of Declaring Bankruptcy Collections Stopped: Filing for bankruptcy stops...
Since the economic crisis in 2008, it has become increasingly clear that borrowers with lower credit scores are more likely to default on their loans than people with high scores. Due to this risk, the requirements for credit scores have become stricter. Individuals with bad credit scores are less...
“As sure as death and taxes,” so the old adage goes. Paying taxes isn’t easy, but the alternative – being in the IRS’ bad books – is no walk in the park either. So what should you do when you find yourself in a situation where you are genuinely...
The freedom of working from home may be tempting, especially if you work well individually and don’t enjoy the bustle of corporate life. It should be noted that self-employed people are not exempt from federal and state taxes; they must pay their share of taxes just like traditional office...
The easier it is for your customer to spend money on your site, the more they’ll spend. Seems simple enough right? Think about it though. If you’re considering making a purchase of a product from a website but you’re not 100% certain yet, the payment process can be a...
It may be an understandably difficult time if you are looking at the prospect of filing for bankruptcy. It is worth remembering, however, that some of the most successful people in history had to file for bankruptcy at some point in their lives: Abraham Lincoln, Thomas Jefferson, and Walt...
Fixed-rate mortgages are the most widely used form of home mortgage loans. It is a basic arrangement in which the lender calculates the principal amount, using a single interest rate, and then divides the sum equally over an agreed period of years. The most popular terms are 30-year and...
You need to know these risks when investing in stocks: investing in stocks could result in the loss of all the money invested and in some instances even more. Prior to investing in stocks it is important to acknowledge and accept the risks inherent in such an undertaking. Important...
Mobile wallets such as Apple Pay and Google Wallet have the potential to be revolutionary. Imagine running to the store with only your smartphone and car keys! However, many consumers are wary of these mobile payment apps for a variety of reasons. Some don’t trust the security of these...
When seeking sources of credit funding, various factors must be considered. Comparisons must also be made among the different options available. One of the options overlooked by most people is taking a loan from their 401k plan. Two of the most common reasons loans from 401k plans aren’t taken...
Traveling abroad can be expensive, and sometimes you need to send money to family and friends who are abroad. Thankfully, there are inexpensive, easy ways to transfer money anywhere in the world—keep in mind that the prices may vary based on your location and the amount you’re sending. The...
Everyone has heard that their credit score has an effect on their eligibility for loans and other financial Credit score can greatly affect the amount of money that a bank will loan and the interest rate that the money is loaned at. Different types of loans will be more...
Filing for bankruptcy is a big decision. It can get you out of a tough financial situation, but can you afford it? If money is tight, you may not be able to file as easily as you’d hoped. These are the general costs of filing for bankruptcy. Chapter...
We all like to hope that we won’t need an attorney, but we also like to have that one “lawyer friend” just in case. If you find yourself in any of these situations, you’ll want to go ahead and call him up. Trust us. 1. When You’ve Gone Bankrupt...
With the right product or service, even the little guy can take on his competitors and win. But in order to compete against the big guys, the small business owner needs to be able to offer customers the same conveniences other merchants are offering. One of the biggest conveniences...
Bankruptcy can be a taxing, burdensome process. How does your life change now? These are some of the major ways your life is going to change after filing a Chapter 7 or Chapter 13 bankruptcy case. Credit Card Offers The unfortunate truth of bankruptcy is that creditors use this...
The Home Affordable Refinance Program (HARP) is a U.S. federal program that began in 2009. The goal of the program is to help struggling homeowners refinance their mortgages. The following is a short history of HARP and how the program continues today. The Crisis After the U.S. housing bubble...
We are heading towards a cashless society whereby we are using digital technology to move money and to purchase things without even opening our wallets and taking out psychical money. When online banking was first introduced, we had to sit at our computers either at the office or at...
Trying to figure out how to accept credit cards online doesn’t have to be as complex as it seems. It is really as simple as finding the least expensive and most convenient route between your customer’s credit card and the bank account. At its core, it is really just...
If you would like to be able to get a loan without leaving the house, you’ll be happy to know there is a variety of loans you can find online. Here is an overview of the main five types of loans that are available through online lenders. Mortgages Most...
A payday loan, also known as a “cash advance” loan, is a loan for a small amount, usually under $500, and is due on your next payday. The cost to receive a payday loan is high, at $10 to $30 for every $100 loaned. The average fee of $15...
There are different kinds of investment. It doesn’t only mean the stock market or letting your money sit in your bank account. A big bulk of the population invests their money through mutual funds, which is what this article is all about. Mutual funds are defined as a company...
Taxes and bankruptcy are two complex matters that many people would rather not think about, let alone discuss. If you are contemplating bankruptcy, however, it is important to understand how the two impact each other. Many factors affect the relationship between bankruptcy and taxes. Bankruptcy law permits owed taxes...
Tax time is often a stress-filled time of the year for many, particularly taxpayers who have to pay money into the government. Many taxpayers turn to tax relief services for a helping hand. Are they legitimate or just a scam? Learn more about tax relief services, how to spot...
Online credit card processing is way cheaper compared to traditional POS (point-of-sale) systems. Using your credit card through merchants and services that accept credit cards using online platforms and mobile devices is usually stressful, not to mention a hassle to set up. Besides, customers would never dare to compromise...
When you’re trying to first get a business loan, you need to remember that it’s not nearly as easy as it may seem. If it doesn’t seem easy you’ve caught the idea. Getting a business loan is not going to be simple, you need to be ready when you...
Homeowners considering refinancing of their properties may qualify for an FHA streamlined refinance loan, cash-out refinance loan, or a no-cash refinance loan. According to FHA loan rules, applicants for a new mortgage must meet the eligibility criteria, not be the same party as the original loan, and reside on...
If you have an interest in making more money and preparing for your future finances, then you must be thinking about investing in the stock market. The stock market is a particular market where stocks and bonds are traded. The stock market also, according to the way some people refer...
If you’ve found a credit card that offers flexible cash back rewards, you’re in business! Unlike point-style rewards, cash back on purchases gives you flexibility and freedom. Often, cash back credit cards run specials offering an even greater percentage of your purchases as cash back. Many charge no annual...
Eventually, a time comes in every consumer’s life during which he or she will need a personal loan. A personal loan is long-term or short-term cash advance that different institutions give to applicants who qualify. You can use a personal loan for a wide variety of reasons such as...
If your business is closely watching the tight bottom line, then you will be happy to know that there are free business checking accounts out there, whether you would prefer banking online or at the real brick-and-mortar branch within your area. However, to find a Business Checking Account, you...
Your credit score is probably one of the most important, yet overlooked numbers in your life. This figure can either save you tons money or cost you just as much. Your credit score can prevent you from getting a job, it can stop you from being able to purchase...
Joining the military gives you the chance to fight for your country and show your pride, but you can also get incredible financial benefits. Enlisting allows you to go to college for free and so much more. Here is an overview of some of the best benefits you can...
Taxes and death are a major fact of life and so is overlooking claimed deductions on one’s tax returns. The accountants that are overwhelmed with numerous tax questions or returns at such a period in the year all say a similar thing: Most people are not getting what is...
Accepting credit cards doesn’t have to be super complicated, but it often feels like it. From unclear credit card processing online rates to long service contracts and complex compliance subjects, it’s no surprise that accepting credit cards as a payment technique leaves some small business owners reeling. Here are...
If you are venturing out on your own and starting a new small business, you must be looking for a loan. There are alternatives to banks that people use to borrow money at much lower interest rates than the bank, commonly known as merchant cash advance (MCA). This was...
If you’re in the process of starting a new small business and are hoping to open a business checking account, you need to ensure that your own personal finances are in order. If you are one of the millions of people around the US with a poor credit report,...
Sending money across the United States and abroad is incredibly easy, especially with all the new technology. Unfortunately, criminals have come up with scams to get people to initiate wire transfers to tap into your bank account. Avoid falling victim to these scams by reading about some of the...
Whether you’re applying for your first credit card or are well-versed in the area of credit card types, you may still have questions about reward credit cards and how they really work. Here is an overview of the most widely-used reward cards as well as the pros and cons...
After taking a back seat to credit cards for many years, personal loans are popular once again. More and more people are turning to the lower, fixed rates of personal loans, especially after the most recent financial crisis. Personal loans can be used on just about anything, but there...
If you’ve ever had a car loan, then you’ve had an installment loan. A mortgage loan is another type of installment loan that is quite common. These types of loans are repaid with a set number of scheduled payments. Typically, it includes more than two payments made toward the loan. An...
You need to know these risks when investing in stocks: investing in stocks could result in the loss of all the money invested and in some instances even more. Prior to investing in stocks, it is important to acknowledge and accept the risks inherent in such an undertaking. Important...
Have you considered hiring a bankruptcy lawyer? You technically don’t need to hire an attorney to file for bankruptcy, but hiring an experienced, dedicated attorney is a wise decision. Before you shrug off the idea of hiring a lawyer, read these five advantages to having a bankruptcy lawyer work...
Retirement shouldn’t be something that you leave until the last minute – it should be something that you start strategically planning as early as possible. Of course, that’s not always a priority for some. People begin preparing for retirement at all stages of life, and one of the most...
You need to have a lot of self-discipline and self-regulation to be able to stick to your budget. However, at the end of the day, while a budget may feel restrictive, you have to shape up and consider your future. One of the best things you can do for...
Congratulations on starting your own business! Now that the hard part is done, you probably need some personal loans to fund your business. There are some great places to get a personal loan (even personal loans with no questions asked) but you probably want to keep debt as low as...
Starting a business is not a simple task; you put a lot at stake, including the entire investment amount. And you often require a lot more money to expand your business, and at times like these, it may be a sound idea to make use of a business credit...
The stock market is usually affected by various seasonal trends that no one can tell exactly when to buy stocks. An old saying “sell high buy low” is a strategy that does not focus on when to do it. However, understanding how the market operates is a great way...
Do you want to earn cash rewards for your everyday purchases? There are several companies that issue incentives to card holders in the form of reward credit cards. However, some of the credit card issuers aren’t credit card companies; they can even be a mortgage lender. The mortgage lender...
There are many reasons you may want a personal loan rather than using your credit card. Personal loans can be used for paying off debt, educational fees, home improvement, car financing, wedding expenses, travel, training, and business expenses. The first thing you need to do is understand the terms...