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Homepage Last updated: 2010, July 30
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lots-of-student-loan-debt-leaves-limited-options 1 page
Lots of student loan debt leaves limited options
Focusing on paying off private loans may be a prudent approach formany borrowers.
                             
how-to-teach-your-teen-good-financial-management 1 page
Good Financial Management For Your Teen
Good financial management starts young, but it takes more than a practice savings account to teach teens how to handle money later.
                             
three-steps-to-saving-money 1 page
Three Steps to Saving Money
Everyone knows that saving money is a good thing, but how much thought do you actually give to the process of saving?
                             
financial-planning-in-your-forties-smart-moves-for-an-easier-present 1 page
Financial Planning in Your Forties : Smart Moves for an Easier Present
If you are in your 40s, you are probably starting to think about financial planning as it relates to retirement, but what of your present?
                             
payday-loans-four-ways-to-spot-a-legitimate-payday-loan-lender 1 page
Payday Loans : Four Ways to Spot a Legitimate Payday Loan Lender
Payday loans can be a great way to access cash when you really need it. However, there are many companies that offer payday loans to take advantage of you.
                             
the-new-overdraft-rules-know-your-options-and-the-costs 1 page
The New Overdraft Rules : Know your Options and the Costs
An overdraft can happen to anyone. It is embarrassing, even if the error is not your own. How much would you pay to make sure it never happens to you?
                             
the-truth-about-credit-card-rewards 1 page
The Truth about Credit Card Rewards
Credit card rewards are an increasingly big part of the appeal of credit cards, but are they really worth it?
                             
financial-services-know-your-options 1 page
Financial Services : Know your Options
Financial services can be broadly defined as any services provided by the finance industry, but do you actually know your options?
                             
consider-community-college-to-minimize-loans-for-school 1 page
Consider Community College to Minimize Loans for School
Community colleges offer low-cost higher education, which saves students from having to take out so many loans for school.
                             
ways-to-apply-consumer-credit-risk-principles-to-personal-finance 1 page
Ways to Apply Consumer Credit Risk Principles to Personal Finance
Consumer credit risk principles used to protect financial institutions can be used by consumers to protect their own assets. Here are three ways to use them.
                             
how-auto-loans-work-interest-rates-and-financing-terms 1 page
How Auto Loans Work : Interest Rates and Financing Terms
Aside from the type of financing you choose when purchasing a new vehicle, also consider how auto loans work with regard to interest rates and financing terms.
                             
how-do-you-prevent-identity-theft 1 page
How Do You Prevent Identity Theft?
If ever use a bank, but credit card, and/or you have a Social Security number, or other ID number, you need to know how to prevent identity theft
                             
california-home-equity-loans 1 page
California Home Equity Loans
The House is moving to disallow strategic defaulters from getting FHA loans, but California home equity loan studies have the state taking a different course.
                             
community-bank-corrective-action-from-feds 1 page
Community Bank Corrective Action from Feds
The Federal Reserve Bank has stepped in to try to stop a community bank from going under. MetroBank in South Florida is under a corrective action.
                             
two-sides-of-the-regulatory-reform-issue-for-payday-lenders 1 page
Two Sides of the Regulatory Reform Issue for Payday Lenders
Trade associations representing payday lenders are rallying against the creation of an agency that would regulate the industry – for good reason.
                             
debt-settlement-how-it-works-why-you-should-avoid-it 1 page
Debt Settlement : How it Works, Why You Should Avoid it
Debt settlement companies are getting lots of well deserved bad press. Debt consolidation is a reasonable alternative to resolve overwhelming monthly bills.
                             
steps-you-can-take-for-bad-credit-report-repair-%e2%80%93today 1 page
Steps You Can Take for Bad Credit Report Repair –Today!
Worried about bad credit report repair? You can start today by taking these three steps, which only take about an hour.
                             
federal-mortgage-loan-program-gets-mixed-results 1 page
Federal Mortgage Loan Program Gets Mixed Results
Ending the high mortgage loan failure rate is a federal priority. A recent report analyzed the statistics of the Home Affordable Modification Program.
                             
ways-a-credit-counseling-service-can-help 1 page
Ways a Credit Counseling Service Can Help
Wondering if a credit counseling service can help your financial situation? Here are three ways an agency can help you out.
                             
credit-card-debt-management-in-15-minutes-a-month 1 page
Credit Card Debt Management in 15 Minutes a Month
It only takes 15 minutes per month to perform the vital task of credit card debt management. If you don't know how to get started, this article will show you how.
                             
first-national-invests-in-software-to-assure-security 1 page
First National Invests in Software to Assure Security
First National Bank has improved the financial services corporation's data management and regulatory compliance with Simpana software.
                             
how-to-claim-bankruptcy-in-7-easy-steps 1 page
How to Claim Bankruptcy in 7 Easy Steps
Considering bankruptcy? Make sure you know how to claim bankruptcy first.
                             
more-universities-eliminate-loans-from-student-financing 1 page
More Universities Eliminate Loans from Student Financing
In an effort to avoid high debt levels for new graduates, universities are rethinking student financing to omit loans, especially for low-income students.
                             
how-auto-loans-work-sources-of-financing 1 page
How Auto Loans Work : Sources of Financing
Auto loans were created as a convenience to consumers, but how much do you really know how auto loans work? More specifically, do you know your options?
                             
debunking-10-popular-credit-score-myths 1 page
Debunking 10 Popular Credit Score Myths
Credit scores are surrounded by myth. Do you know the difference between fact and fiction?
                             
ftc-gives-instructions-on-how-to-repair-bad-credit 1 page
FTC Gives Instructions on How to Repair Bad Credit
The FTC's website lays out the steps of how to repair bad credit. They also give some advice on avoiding scams.
                             
how-to-help-your-credit-10-simple-tips-that-work 1 page
How to Help your Credit : 10 Simple Tips that Work
If you are one of the millions of Americans with a less than perfect credit score, know that by following a few simple tips, you can help your credit score improve.
                             
important-facts-about-international-student-loans 1 page
Important Facts about International Student Loans
International education is a terrific opportunity for students, but international student loans are often needed to offset the added expense.
                             
mastercard-introduces-new-bill-payment-service-for-prepaid-cardholders 1 page
MasterCard introduces new bill-payment service for prepaid cardholders
Consumers will be able to schedule, pay and set reminders for upcoming bills. They will also be able to pay by phone.
                             
unemployed-when-money-runs-out 1 page
Unemployed - When Money Runs Out
If you are unemployed, the question is not when will the money run out; the question is what can you do about it.
                             
new-legislation-may-provide-for-free-credit-score-reports 1 page
Free Credit Score Report
A free credit score report will be made available to anyone annually if the financial reform legislation being proposed by the Senate gets approved.
                             
time-to-start-investing-again-three-questions-to-ask-yourself-first 1 page
Time to Start Investing Again? Three Questions to Ask Yourself First
Online investing may indeed be the way of the future, but how do you know if it is right for you? Before you dump your broker, consider the following.
                             
getting-a-mortgage-loan-modification 1 page
Getting a mortgage loan modification
Recent news hasn't made it sound like getting a mortgage loan modification is simple. However, there are a few things homeowners can do to improve their chances.
                             
financial-planning-in-your-twenties 1 page
Financial Planning in Your Twenties
Good financial planning starts early. Beginning as early as your twenties, every decision you make shapes your financial future.
                             
the-top-10-401k-mistakes-to-avoid 1 page
The Top 10 401(k) Mistakes to Avoid
For many people, a 401(k) is the singular most important savings vehicle they have. However, many people make significant mistakes in handling their account.
                             
colleges-benefit-from-arrangements-with-lenders 1 page
Colleges benefit from arrangements with lenders
Affinity contracts give credit card companies student names, addresses and phone numbers in exchange for funding.
                             
debt-settlement-association-opposes-illinois-bill 1 page
Debt settlement association opposes Illinois bill
The organization said that restricting settlement services from charging fees would hurt consumers.
                             
credit-union-credit-cards-the-pros-and-cons 1 page
Credit Union Credit Cards - The Pros and Cons
Credit unions are non-profit organizations that operate almost like banks. They offer banking accounts, loans and mortgages, and credit cards.
                             
college-savings-plan-usually-comes-with-tax-free-benefits 1 page
College savings plan usually comes with tax-free benefits
There are several things parents should know before cashing out a 520 savings plan.
                             
good-news-about-bad-credit-student-loans 1 page
Good News about Bad Credit Student Loans
Bad credit student loans don't have to have outrageous interest rates. Qualifying for federal student loans does not depend on credit history.
                             
report-auto-loan-default-rate-falls-in-april-2 1 page
Report: Auto loan default rate falls in April
U.S. consumers were less likely to default on their auto loans in the month of April than they were in previous months, according to the results of a study released late last month by Standard and Poor's Ratings Services and Experian.
                             
consumers-warned-about-digital-identity-thieves 1 page
Consumers warned about digital identity thieves
June is National Internet Safety Month, and LifeLock - an identity theft protection service - wants to educate consumers about possible threats of online identity theft.
                             
three-tips-for-managing-unsecured-personal-loans 1 page
Three Tips for Managing Unsecured Personal Loans
Unsecured personal loans can help or harm, no matter how large or small and no matter how much money you make. Here are a few management tips.
                             
credit-repair-for-student-loan-defaults 1 page
Credit Repair for Student Loan Defaults
Student loan defaults will impact your credit score just like any other unpaid loan. Credit repair is necessary before you can get new loans.
                             
credit-repair-services-save-you-money-by-saving-your-credit-score 1 page
Credit Repair Services Save You Money by Saving Your Credit Score
Spending money on a credit repair service may not sound good, but in the long run these companies can really save you money.
                             
low-income-households-struggle-more-when-paychecks-are-disrupted 1 page
Low-income households struggle more when paychecks are disrupted
Budgeting for an interruption in income is more difficult for low-income Americans.
                             
credit-score-help-from-online-forums 1 page
Credit Score Help from Online Forums
One source of credit score help is online forums. Here is an overview of traits common to Fico High Achievers found in one.
                             
ways-to-build-up-a-good-credit-score 1 page
Ways to Build Up a Good Credit Score
A good credit score makes getting a loan easier but also affects renting, job hunting, and banking, among other things. Here are five ways to improve your score.
                             
more-borrowers-needed-to-stabilize-housing-market 1 page
More borrowers needed to stabilize housing market
In order to fix the U.S. housing market, more consumers need to take out mortgage loans, experts are saying.
                             
three-potential-pitfalls-in-credit-card-offers 1 page
Credit Card Offers - Pitfalls
Credit card offers are arriving in mailboxes with attractive introductory offers. Here are a few things to watch out for.
                             
student-loans-and-the-second-recession 1 page
Student Loans and the Second Recession
What had started with defaults on home loans may gain new momentum as student loans under the same terms come due.
                             
identification-not-required-for-credit-card-sales-2 1 page
Identification not required for credit card sales
It's not uncommon for a merchant to ask for photo identification when a customer makes a purchase with a credit card. However, most consumers may not know that it isn't always required.
                             
eight-guidelines-for-using-credit-cards-for-new-credit 1 page
Eight Guidelines for Using Credit Cards for New Credit
Credit cards are useful tools but if used incorrectly, they can cost you thousands of dollars in interest, charges, and adversely affect on your credit score.
                             
retiring-four-things-you-should-know-before-making-the-move 1 page
Retiring - Four Things You Should know before making the Move
So, you have saved your money and, whether through your own choice or by downsizing, you are retiring. However, have you considered the following points?
                             
saving-for-retirement-in-your-fifties 1 page
Saving for Retirement in your Fifties
Saving for retirement in your 50s can be scary. The question, “Will I be able to retire?” looms large. However, you can do it, if you know these four things.
                             
setting-up-a-401k-seven-steps 1 page
Setting up a 401k - Seven Steps
Whether you are starting your first job or you are just starting to get back on your feet, setting up a 401k is one of the smartest moves you can make.
                             
how-mortgage-loan-modifications-affect-credit-scores-2 1 page
How mortgage loan modifications affect credit scores
Homeowners seeking out mortgage loan modifications may believe doing so will help protect their credit score.
                             
where-have-all-the-good-credit-cards-gone 1 page
Where Have All the Good Credit Cards Gone?
If you are in the market for a new credit card, it can seem like the good rates are nowhere to be found. Maybe you just aren’t looking in the right places.
                             
payday-loan-interest-rates-%e2%80%93-new-legislation-and-the-end-of-the-wild-west 1 page
Payday Loan Interest Rates – New Legislation and the End of the Wild West
Payday loans are a great way to get money fast, but some lenders charge outrageous interest rates. However, new legislation is changing that.
                             
federal-bankruptcy-exemptions-you-should-know-about 1 page
Federal Bankruptcy Exemptions You Should Know About
Filing for bankruptcy can mean liquidating almost all your possessions. There are certain items, however, that you are allowed to keep.
                             
tips-for-successful-debt-elimination 1 page
Tips for Successful Debt Elimination
Debt elimination is tough, but since debt is what makes making ends meet so difficult, it's worth the effort to get rid of it, even in these trying times.
                             
two-ways-to-get-from-construction-loan-to-permanent-mortgage-loan 1 page
Two Ways to Get from Construction Loan to Permanent Mortgage Loan
Building a home involves two separate financing arrangements, a construction loan and a permanent mortgage loan.
                             
new-credit-card-legislation-and-smart-credit-moves 1 page
New Credit Card Legislation and Smart Credit Moves
Smart credit is all about understanding how finance works. With changes in credit card legislation, you would be remiss to ignore these smart credit moves.
                             
arizona-payday-lenders-explore-new-business-options-before-industry-is-banned-on-june-30 1 page
Arizona payday lenders explore new business options before industry is banned on June 30
Many payday lenders in Arizona are looking for new ways to stay in business after the June 30 ban of the payday loan industry goes into effect, according to the East Valley Tribune.
                             
consumers-are-optimistic-about-recession-ending 1 page
Consumers are optimistic about recession ending
Spending increases could further boost the economy.
                             
debt-settlement-company-offers-alternative-to-bankruptcy 1 page
Debt settlement company offers alternative to bankruptcy
The company leaves consumers in charge of their finances.
                             
how-to-get-a-loan-with-bad-credit-four-ways-to-make-it-easy 1 page
How to Get a Loan with Bad Credit : Four Ways to Make it Easy
You have tried to get a loan with bad credit, and you know how hard it can be. However, it does not need to be.
                             
baby-boomers-concerned-about-retirement 1 page
Baby boomers concerned about retirement
Saving for retirement can be one of the most important things a person can do, and financial professionals have found that those from the baby boomer generation need to do more to prepare.
                             
mortgage-loans-and-financial-reform 1 page
Mortgage loans and financial reform
A bill currently in Congress would change lending, borrowing practices.
                             
the-four-rules-of-insurance 1 page
The Four Rules of Insurance
One of the most prevailing costs you face every month is insurance, but how much insurance do you actually need?
                             
the-new-face-of-spending 1 page
The New Face of Spending
The recession is changing the way of life in the US, and consumer trends are pointing to a positive change in spending.
                             
six-things-you-should-know-before-filing-bankruptcy 1 page
Six Things You Should Know Before Filing Bankruptcy
If you are thinking of filing for bankruptcy, here are a few things you should know first.
                             
what-to-do-when-credit-is-denied 1 page
What to do when credit is denied
Receiving a denial for a credit card can seem like a devastating event for some. However, there are steps that can be taken to build up a person's financial reputation.
                             
financial-planning-in-your-thirties-smart-moves-for-an-easier-life 1 page
Financial Planning in Your Thirties : Smart Moves for an Easier Life
Financial planning in your thirties is entirely different from your twenties. Do you know how to survive and thrive?
                             
debit-card-use-grows-in-2009 1 page
Debit card use grows in 2009
Small-ticket purchases boost debit card transactions.
                             
the-three-best-types-of-credit-cards-for-new-or-no-credit 1 page
The Three Best Types of Credit Cards for New or No Credit
Do you have no credit or “new” credit? If so, you should know what the best types of credit cards are for you.
                             
wisconsin-legislature-places-tough-new-limits-on-payday-lending-operations 1 page
Wisconsin legislature places tough new limits on payday lending operations
By the close of the 2010 session of the Wisconsin state legislature, lawmakers in that state had slapped payday lenders with harsh new restrictions on how and where they can do business, according to a report from local news site Business North.
                             
financial-investment-services-ten-tips-for-choosing-the-right-broker 1 page
Financial Investment Services : Ten Tips for Choosing the Right Broker
Choosing the right broker to provide your financial investment services can be a job in and of itself, if you don’t know these ten tips.
                             
investment-banking-basics-the-creation-of-wealth-through-investment 1 page
Investment Banking Basics : The Creation of Wealth Through Investment
In a changing financial environment, understanding your investment banking basics will help make sure that your investment portfolio has a good return.
                             
pending-home-sales-continue-upward-momentum 1 page
Pending home sales continue upward momentum
More affordable housing conditions and the homebuyers tax credit have helped lead to the third month in a row for an increase in pending home sales.
                             
tennessee-realtors-receive-disaster-relief-funding 1 page
Tennessee Realtors receive disaster relief funding
A disaster relief fund has been set up for realtors that were affected by the recent flooding in Tennessee.
                             
saving-for-retirement-in-your-forties 1 page
Saving for Retirement in Your Forties
Saving for retirement in your 40s and wondering, “Will I be able to retire at 65?”
                             
upromise-users-have-chance-to-win-car 1 page
Upromise users have chance to win car
A sweepstakes from Sallie Mae gives Upromise members new incentive to use their accounts.
                             
prevent-student-loan-debt-from-getting-out-of-control 1 page
Prevent Student loan Debt from Getting Out of Control
Student loan debt is overwhelming for many graduates today. Don't let that happen to you.
                             
ftc-offers-advice-for-college-graduates 1 page
FTC offers advice for college graduates
Keeping personal information secure can help young adults avoid identity theft.
                             
consumer-credit-risk-scorecards 1 page
Lenders and Consumer Credit Risk Scorecards
Lenders use models known as consumer credit risk scorecards to predict credit worthiness and other qualities. Four types are briefly explained.
                             
specialized-small-business-loan-programs 1 page
Specialized Small Business Loan Programs
A small business loan may provide needed financing to start or keep a business going. Specialized loan programs are available from the SBA.
                             
principal-reduction-program-created-by-bank-of-america 1 page
Principal reduction program created by Bank of America
Changes were recently made to the National Homeownership Retention Program. In an effort to meet new demands, Bank of America implemented an earned principal forgiveness program.
                             
tax-credit-ends-but-its-still-a-good-time-to-get-a-new-home-loan 1 page
Still a Good Time to get a New Home Loan
This is still a good time for buying a home and getting a new home loan, even with the tax credit passing.
                             
ohio-bill-to-make-it-tougher-on-payday-lenders 1 page
Ohio bill to make it tougher on payday lenders
A proposed law currently being considered by the Ohio General Assembly will make it more difficult for payday lenders to charge certain types of fees on their transactions, according to a report from Collections and Credit Risk.
                             
the-financial-services-market 1 page
The Financial Services Market
The financial services market is as complex and variant as makes and models of cars.
                             
fast-cash-five-options-for-getting-money-fast 1 page
Fast Cash : Five Options for Getting Money Fast
If you are one of the millions of Americans living paycheck to paycheck, a small crisis could be the start of financial disaster. Know your options.
                             
identity-theft-more-common-with-high-tech-credit-cards 1 page
Identity theft more common with high-tech credit cards
A number of credit card companies are choosing to go with no-swipe technology. However, this option may be making it easier for criminals to steal consumers' identities, according to Cincinnati NBC news affiliate WLWT.
                             
debt-elimination-it-is-easier-than-you-may-think 1 page
Debt Elimination : It is Easier than You May Think
Debt is a prevailing issue in the US, so much to the point that debt elimination is a primary focus in the lives of many people.
                             
saving-for-retirement-in-your-thirties 1 page
Saving for Retirement in your Thirties
Saving for retirement can never begin too early; however, in your 30s, it is easy to put it off.
                             
new-calculator-enables-ing-direct-customers-to-compute-overdraft-fees 1 page
New calculator enables ING Direct customers to compute overdraft fees
Those who opt-in to the financial institution's overdraft protection service will not pay as much as traditional bank customers.
                             
financial-credit-management-three-steps-to-financial-freedom 1 page
Financial Credit Management : Three Steps to Financial Freedom
Managing your credit is no different from any other type of management. You have to have a plan, be observant, and expect the unexpected.
                             
more-homeowners-less-afraid-of-foreclosures 1 page
More homeowners less afraid of foreclosures
While the federal government has been working diligently to help homeowners prevent foreclosure, a larger number of them are purposely seeking out this option.
                             
three-types-of-home-loans-pros-and-cons 1 page
Three Types of Home Loans : Pros and Cons
Buying a home is a dream for many Americans and one of the hallmarks of society. However, do you know what types of home loans exist?
                             
citibank-introduces-reward-program-for-debit-cardholders 1 page
Citibank introduces reward program for debit cardholders
Businesses and consumers will earn 5 percent cash back for signing on debit purchases.
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