Some people swear by using cash and dislike plastic of any kind. Others love to pull the card from their purse or wallet and defer the direct expense until later. But which is best? If you’re intent on becoming wealthy, the benefits of cash versus credit are worth exploring. In this article, we do just … Read more
Today’s society is dependent on loans for purchases and other financial transactions. So nowaday’s you need good credit for a lot more than getting a loan or credit card. In the age of technology, these show your ability make payments. Plus, you can get a free credit report on yourself every year and keep tabs on how … Read more
Buying a home is a central part of the American Dream. This has seemed a little out of reach to many families in recent history with the fallout from the housing bubble. Lenders are more skittish than ever to loan money to those with less than perfect credit. In addition, new government legislation has creditors … Read more
Everyone is looking for ways to get a little extra money, but often some of the simplest ways are the ones we overlook. Many credit cards are offering a variety of incentives to get people to sign up for their cards. Sometimes they offer to give you your credit score free while others offer a … Read more
If there is one thing that the economic downturn in 2007 provided, it was exciting new ways to go bankrupt. There is nothing quite as thrilling as the “sledge-hammer-to-the-face” feeling when you realize the world has bested you at everything and you have earned the right to wear their dunce cap. Along the road to … Read more
Regardless of your financial situation, there’s a good chance that you’ll need to get a loan at some point in the future. This could come in the form of a mortgage, a student loan, an auto loan or a small business loan. While these loans are for different purposes, the process of applying and qualifying … Read more
Ed O’Brien is a seasoned writer in personal finance, specializing in credit repair. You can find more of his articles located at CreditRepair.org. Struggling with overwhelming debt is a financial hardship that will not just go away if left unattended. Debt is certainly one scenario in our financial life that only grows worse over time. … Read more
Desperate times call for desperate measures. – Many Desperate People We’ve all experienced tough financial situations. Some people have experienced the worst of the worst and come out fine, and some of us have experienced a minor bump in the road that sent us careening off a cliff. The difference between the results comes down … Read more
About 3 weeks ago, we wrote an article about the Kardashians’ latest business endeavor money-making gimmick: The Kardashian Kard. It was a prepaid debit card with so many fees attached to it that you’d be broke before you could stand in the nearest check-out lane. It’s kind of ironic that they have a television show … Read more
Yes, you’ve read the title correctly. Kim Kardashian, and her sisters now have their own pre-paid debit card. Just in case pop culture hasn’t overrun your life enough yet, now your kids can now beg and plead for you to load more money on their cards. In case you don’t know who the Kardashians are, … Read more
Look at today’s technological innovations. Look at all of the different forms of financing. To help visualize what I’m talking about, I’m going to list a few of them: E-mail Cell Phones Texting Movies on demand Credit Cards Payday Loans Vacation Loans Pre-prepared foods What do they all have in common? They are all different … Read more
What Is The Credit Card Culture? Credit card culture describes our acceptance, use, and overall exuberance about credit cards. We are fascinated, obsessed, and, in some cases, addicted to our plastic little friend: The Credit Card. Credit cards offer convenience, trendiness, and status (so we think) to our ordinarily mundane lives. They are sexy, cutting edge, … Read more
What’s Your Emergency Fund? Very few people have a plan for when something bad happens. In fact, some peoples’ plan seems to be to be to hope with all of their hearts that something bad doesn’t happen! It seems to work really well until something does happen, and that’s when things fall apart. Let us … Read more