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Author Archives: Guest Post

Justice Department Reaches $470 Million Joint State-Federal Settlement with HSBC to Address Mortgage Loan Origination, Servicing and Foreclosure Abuses

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The Justice Department, the Department of Housing and Urban Development (HUD) and the Consumer Financial Protection Bureau, along with 49 state attorneys general and the District of Columbia’s attorney general, have reached a $470 million agreement with HSBC Bank USA NA and its affiliates (collectively, HSBC) to address mortgage origination, servicing and foreclosure abuses.  “This agreement is the result of ... Read More »

    Justice Department and Consumer Financial Protection Bureau Reach Settlement to Resolve Allegations of Auto Lending Discrimination by Toyota

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    The Department of Justice and the Consumer Financial Protection Bureau (CFPB) announced today a settlement to resolve allegations that Toyota Motor Credit Corporation (Toyota) engaged in a pattern or practice of discrimination against African-American and Asian/Pacific Islander borrowers in auto lending.  Toyota, based in Torrance, California, is the nation’s largest captive auto lender, and the fifth largest auto lender overall. ... Read More »

      From the UK: How Much Money Do We Spend In a Lifetime?

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      We go to work everyday, and we earn money, and we spend money, almost everyday. Can you think of a day when you did not spend money? Those days are few and far between. It maybe you need to get petrol, pick up a loaf of bread, milk, money for the kid’s school lunches, a pint in the pub, face ... Read More »

        11 Millionaires Reveal Their Success Secrets

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        What does it take to become a millionaire? These personal finance bloggers worth over seven figures share the tips that helped them get there. ESI from ESI Money recommends you Invest in your career. It’s a multi-million dollar asset that will be worth much more if you take the time to grow it.  “How do you do that? Read, learn, ... Read More »

          Guides to help you open and manage your checking account

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          Feb 3 2016 By Sarah Bainton Kahn Are you thinking about opening a checking account but aren’t sure how to get started? We have resources to help you select a product that’s best suited for your financial needs. Banks and credit unions provide safe places to keep your money, but it’s important to shop around to find the financial products ... Read More »

            Advantages of 401K and IRA : The Best Retirement Investment Options

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            “Financial literacy is an issue that should command our attention because many Americans are not adequately organizing finances for their education, healthcare and retirement.” (Ron Lewis) Image Source : www.dailyfinance.com When it comes to retirement planning, it is essential to consider all avenues of investment before settling for one. There are different types of investment options available in the market ... Read More »

              Identity Theft Impact On Credit Score

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              Identity theft can be defined as the intentional use of another person’s identity for personal benefit. The individual whose identity is abused will in most cases be held accountable of any wrongdoing committed and consequently be punished. The most common instances of identity theft include unauthorized use of name or identity number to access certain privileged services and, use of ... Read More »

                5 Ways Money CAN Buy Happiness

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                Top Advice: 1. Check your motivation against the five principles of happier spending — if your “spend” doesn’t match up, think about saving your money instead. 2. Use money to create connections with others — whether through spending on a shared meal or giving someone a gift — can lead to greater happiness than money alone. As you plan the ... Read More »

                  Should you pay Firstsource Advantage LLC instead of your creditor?

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                  I have a credit card with Bank of America that has been charged off since 2011. I was making payments of $20 a month up until last August. When I began to check my credit, I noticed no payments were being recorded. When I asked BOA to send me a statement of where my money was going, I got no ... Read More »

                    From the UK: The 2 Main Reasons Why People Don’t Pay Their Bills

                    Financial Tornado

                    Years ago in a galaxy far, far away, I worked for one of the world’s largest auto finance banks, Ford Credit. I started there as a customer service representative, basically a collector, I collected delinquent car payments, but I eventually moved on up to become a Credit Analyst, and be the person that granted the loans. Going from one side ... Read More »

                      Harmed Ally borrowers have been sent $80 million in damages

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                      This news from the CFPB was distributed by the Personal Finance Syndication Network. If you would like to contribute a guest post like this one, click here. Read More »

                        3 Financial Resolutions I’m Getting a Late Start On

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                        New Year’s resolutions can be difficult to keep, as anyone who has tried to spend January losing weight, saving money or doing some other type of self improvement knows. Too often, the resolution is thrown to the side by February, and that includes financial resolutions. With a late start being better than no start at all, I’m starting February with ... Read More »

                          What Caused the Student Loan Debt Problem?

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                          By Mark Tetzlaff, JD, MBA, MAR Everyone agrees that student loan debt is spiraling out of control. Analysts cite many reasons, but offer few remedies. In my view, the reason for no offers of plausible solutions is that experts have failed to pinpoint the primary cause—Congress passing the Higher Education Amendments of 1992 (HEA-92) and its resultant effects that make ... Read More »

                            From the UK: Valentine’s Day: How a Martyred Saint Became a Day For Lovers

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                            Saint Valentine I would doubt and venture, that a third, yes 3rd century, Roman Saint, would have thought they would become synonymous with a day now associated with love and lovers. Not much is known of Saint Valentine, and even while the Catholic Church has removed his name from the “General Roman Calendar”, he is still listed as a Saint ... Read More »

                              Are Your Student Loans Driving You Crazy?

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                              Are Your Student Loans Driving You Crazy? STOP THE INSANITY! The catch phrase “Stop the Insanity” became a national buzzword in the 1990’s when Susan Powter used it to promote her weight loss programs, books, videos, and TV shows. From Wikipedia I learned that “Powter is author of several books, three of which became New York Times best-sellers in the ... Read More »

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