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Author Archives: Guest Post

4 Ways to Pay Your Taxes

Strangest-Taxes-and-Deductions1

If you’re among the Americans who wait until mid-April to file your taxes because you owe money — and you don’t happen to have available funds to pay — what do you do? The Internal Revenue Service has anticipated the situation, and it has some options for you. First, let’s take the easiest one — burying your head in the ... Read More »

    3 Ways to Protect Your Social Security Number From ID Theft

    identity-theft

    Of all the types of personal information that could put you at risk for identity theft when in the wrong hands, your Social Security number is the most vulnerable. As the most common way the government, doctor’s offices and creditors can identity you, your Social Security number is necessary to apply for new credit and other benefits. This is why thieves often target ... Read More »

      How to Get a Car Loan After Bankruptcy

      buying car

      Buying a car can feel stressful enough, but when you have been through bankruptcy it may feel downright terrifying. No matter what the circumstances that led to your filing — large medical bills or a job loss, for example — you probably feel embarrassed and afraid that no one’s going to want to give you the time of day, much less a ... Read More »

        4 Types of Savings Addicts: Which One Are You?

        types-of-savers

        Saving money is one of the hardest things to do on a consistent basis. An estimated 28 percent of Americans don’t have any money set aside for emergencies at all, and just under half of the American population claims to have less than three months’ worth of household expenses saved. Yet a study conducted by Professor George Loewenstein of Carnegie ... Read More »

          Can I Get a Seller to Pay My Closing Costs?

          mortgage_interest

          Closing costs are one of the most confusing and misunderstood parts of the homebuying journey. About a third of prospective buyers feel “not very” or “not at all” aware of them, according to a recent survey from real estate data and technology firm ClosingCorp. That can be a problem for buyers who jump into the homebuying process without budgeting for these ... Read More »

            What Happens to a Debt Collector That Gets Shut Down

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            Travell Thomas is desperately trying to save his business, or at least part of it. His debt collection firm, Four Star Resolution, was raided during the morning on Feb. 11, as a result of a lawsuit filed by the Federal Trade Commission. Employees were told to leave immediately. A temporary restraining order now prevents Thomas — and any company employee ... Read More »

              Scott Disick, Mama June and Other Dumb People Who Got Rich

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              Many hardworking, well-educated people struggle to make ends meet. Meanwhile, some of the dumbest and laziest among us open their bizarre lives to reality TV crews and celebrate all the way to the bank. Many seemingly-untalented celebrities have amassed fortunes that the average person only dreams about. Whether you love or hate them, there’s no denying that the following seven ... Read More »

                3 Tips for Filing Taxes Last-Minute

                last-minute

                It’s perfectly understandable to procrastinate on filing your taxes. After all, if you’ve worked at more than one company in the last year, filing could involve multiple W-2 or 1099 forms — and potentially the disagreeable task of dogging former employers for necessary information. Not to mention, filing taxes can be expensive, with the National Society of Accountants estimating that the ... Read More »

                  Become Your Own Debt Manager to Chase Your Dreams

                  last-minute

                  Debt is the very common fact in most of American house hold. At first we take small loans to fulfill our daily requirements. If not managed well, a small amount of debt can lead us into great trouble. It doesn’t mean that you should avoid taking any kind of loans in your whole life span. Sometimes we don’t have a ... Read More »

                    Stop Digging, This is How You Can Get Out of Debt

                    debt

                    I recently lost over 60 pounds using an approach that I believe will help me keep that weight off permanently. Why? Because I’ve changed many habits that have caused me to become over 60 pounds overweight. In fact I’m still using those principles and habits and expect to do so for the rest of my life. I still hear donuts ... Read More »

                      Student Loan Debt Collectors Get a Black Eye

                      Women fighting

                      Student loans continue to dominate the news wires as our current administration seeks ways to ease the burden of student loan debt. There are hints of taking a crack at allowing bankruptcy for student loans. But until that time, which may or may not come, there still remains a major problem with the continued default rate in repayment of student ... Read More »

                        Want to Stop Getting into Debt? Quit Doing This One Thing

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                        I know someone whose 20-year-old niece wanted to buy a new car. She asked her grandma to co-sign for the car loan, but grandma said, “I love you. But no, I will not co-sign. If you miss a payment, I’m responsible.” So, the niece turned to her mom who couldn’t say “No” and co-signed the car loan. Doh! Who’s Liable ... Read More »

                          4 Ways You Can Wreck Somebody Else’s Credit

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                          Nothing can sour a relationship faster than abusing trust — and when it comes to credit, it can happen by accident. A friend does you a favor, and then what should have been your problem somehow becomes theirs. Damaging someone else’s credit is easier to do than you might think, and repairing trust can be difficult — and undoing the ... Read More »

                            Those That File Bankruptcy Do Better Than Those That Don’t

                            Woman in yoga lotus  meditation at seaside

                            This report is republished from the Federal Reserve Bank of New York and contains the authors analysis and finding about bankruptcy following the 2005 reform. Personal bankruptcy was introduced in the United States through the Bankruptcy Act of 1978. After passage of the act, bankruptcy rates rose steadily until 2005, when Congress passed the Bankruptcy Abuse Prevention and Consumer Protection ... Read More »

                              Should I Continue with My Debt Management Plan?

                              Adult Ed - Questions

                              Q. I have been in a debt management plan for a year now. The payments are over $1,400 per month and I am having difficulty making these payments. Should I try to continue with my Debt Management Plan? A. In a Debt Management Plan (DMP), you make monthly deposits with the company that arranges this plan for you. The company ... Read More »

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