Personal Finance

Grants For Single Mothers

November 17, 2011

Single moms have big responsibilities. They have the complete responsibility of running a household and taking care of the kids all on their own. While these responsibilities can be rewarding, they can also be very difficult. If a single mom is not able to secure a good job that pays enough for her and her [...]

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How Does Mortgage Delinquency Affect Your Credit Score?

April 14, 2011

Many people, many more than usual and many more than in past years, have recently experienced the trauma of not being able to make the house payment, not being able to catch up after delinquencies and the horror of foreclosure, not to mention the people who never really missed a payment but were completely unable [...]

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Divorce, Credit and Identity Theft

April 12, 2011

Many problems with credit can be caused by going through a divorce. Many times, regardless of what the court order may say, the lenders just want their money and so they will harass you for payment and report bad credit on your report even if your ex-spouse is supposed to be the one responsible. Divorce [...]

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Document Your Receipts

April 11, 2011

It’s the last week to file your taxes if you are going to make the April 18 deadline for the year 2011. And while many who were expecting a huge refund may have completed this onerous task clear back in January or early February, those of us who know that they will end up paying [...]

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Mortgages, Credit and Financial Responsibility

March 25, 2011

There are a lot of valid reasons for avoiding credit. However, there are also some reasons you should have credit. Many mortgage companies are now requiring 3 open lines of credit along with a good down payment and a 750 plus credit score in order to qualify for a new mortgage to purchase a home. [...]

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Mortgage Delinquencies Decline

March 22, 2011

The mortgages that are at least 30 days late decreased more last month than it has in over a year. Delinquencies in February 2011 were down 1.2 percent from January 2011 and 18.4 percent from last year at this same time. But the foreclosure inventories are still quite high and significantly higher than last year [...]

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Consumer Protection Week

March 7, 2011

In case you haven’t been thinking about such things as ‘Caveat Emptor”, buyer beware or looking after your rights as a consumer, you are invited to do so this week as it is “Consumer Protection Week”. Consumers across the country are being advised to know and take full advantage of their rights as consumers and [...]

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Define Your Money Problems

February 14, 2011

Dr Phil, of TV and Oprah fame of course, has allegedly said that “You can’t solve money problems by throwing money at them”. Okay. Well, I have to disagree. Doesn’t it have to do with the type of money problem you have? If you have a credit card, debt, shopping problem that is a money [...]

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Insanity and Interest

February 9, 2011

So you have bad credit? How desperate are you? Really, how desperate are you? Imagine having a card with a $1000 balance and a 59% APR (yes, that is correct, 59%!!) If you happened to land in dire straits (the trouble, not the band!!) and you were only able to make the minimum payment of [...]

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Protect Your Credit Card

January 28, 2011

We all try to watch our accounts and protect our credit but credit cards can easily fall into the wrong hands. Check out this article about protecting your credit cards from the wrong people. It only makes sense but it bears repeating as often we are actually the ones who allow our identities to be [...]

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