Maximize Your Tax Breaks – Five Easy Tips

March 25, 2009 by  | Leave a Comment Filed under: Taxes 

What’s the difference between a taxidermist and a tax collector? According to Mark Twain, “The taxidermist takes only your skin!” Many taxpayers would agree with him – tax bills often seem unreasonably high. Fortunately, there are many completely legal ways to reduce your (read on...)



Which is Better – FHA Mortgage Or Conventional Loan?

March 25, 2009 by  | Leave a Comment Filed under: Loans 

Scenario: My husband and I have found a house and are looking for a mortgage between $180,000 to $200,000. We are yet to close on the home. We are looking at options like 80/20 mortgage but are interested in any other program. Our annual salary is $60,000. We are paying school and auto loans (read on...)

Credit Card Debt Consolidation – How Does it Work?

March 25, 2009 by  | Leave a Comment Filed under: Debt 

Credit card debt can be an extreme problem for some and even the smallest amount of credit card debt can be stressful. This situation will become even worse when you have to deal with multiple creditors at the same time. For making their way out of this problem lot of people opts for a debt (read on...)

How is My Credit Score Calculated?

March 25, 2009 by  | Leave a Comment Filed under: Credit 

Your credit score is calculated by using mathematical formulas that analyze your creditworthiness. The formulas consider the amount and types of debt you owe and then analyze and compare your repayment history with thousands of other consumers to determine your credit score. Credit scores are (read on...)

Bankruptcy – The Six Different Chapters That Exist

March 25, 2009 by  | Leave a Comment Filed under: Bankruptcy 

Given the current tough economic times, the concept of bankruptcy has unfortunately been garnering a lot of attention. Most people know of the concept, but not much else. In this article, we take a look at the 6 different chapters of bankruptcy that exist. What is a chapter of bankruptcy? The (read on...)

Money Saving Tax Preparation Tips For the Unemployed

March 24, 2009 by  | Leave a Comment Filed under: Taxes 

Each Spring, Americans meticulously prepare their taxes in hopes of saving money when the government comes looking for it. If you are one of the many who have been affected by layoffs and cutbacks in the last year, it is especially important to prepare your taxes well in order to save as much (read on...)

Let’s Not Paint Subprime Borrowers and Their Loyal Brokers With the Same Broad Brush

March 24, 2009 by  | Leave a Comment Filed under: Loans 

People who are classified as subprime borrowers are real people, and due to our current economic crisis, these folks, as well as, the honorable and ethical subprime mortgage brokers who have served them well over the years have become the new profiled groups to be despised and to be suspicious (read on...)

Disadvantages of Debt Consolidation

March 24, 2009 by  | Leave a Comment Filed under: Debt 

Consolidate your debt can be seen as the fastest way to fix its financial problems, but in reality sometimes can be digging in a financial mess even worse. Advertising on debt consolidation promises not only cut interest rates but to lower their monthly payments by almost 50%, but this is surely (read on...)

Build Credit Fast, Quickly, Free

March 24, 2009 by  | Leave a Comment Filed under: Credit 

It has been said that it takes money to make money. Anyone with little or no payment history can tell you it’s the same for credit – It takes previous payment history to build credit. It can be hard to get someone to approve you for a loan if you don’t already have a loan so (read on...)

Bankruptcy – Considering Alternatives Before You File

March 24, 2009 by  | Leave a Comment Filed under: Bankruptcy 

Nobody wants to file a bankruptcy; in the end it is a very difficult decision that is normally a last resort. There are some alternatives to consider first before you take that final step. Take the time to list your expenses on a spread sheet or piece of paper. Make a budget that prioritizes (read on...)

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