All You Wanted to Know of Bad Credit
Martin Henderson is in a fix these days. Because of his failure to repay a loan he had taken a few years back, he has been adjudged as a bad credit case. And, in spite of much effort, he has not been able to get a loan or a mortgage. Lenders do not want to take risk by offering loans to him, and he ... more...

Credit Help for Real Estate Financing: Five Categories of Your Credit Score
1. Payment History -- 35%The number of accounts paid as agreed and a good payment history give you a higher score.Negative points lower credit scores because of 30 days, 60 days, and 90 days late on any debt. The dollar amount of these delinquencies also impacts credit scores. Severity of ... more...

Compulsive Gambler Shares His Recovery Story About Gamblers Anonymous Now That He Stopped
A compulsive gambler who participated in Gamblers Anonymous program shared his recovery in hopes to help others affected by this addiction. Sean was an above average student in high school. He played sports, volunteered at the local soup kitchen on holidays and had a high school sweetheart that he ... more...

A Bad Real Estate Market is Good for Real Estate Investors and the Country!
The real estate industry in this country is in for a rude awakening!The realtors, mortgage brokers, investors (really speculators) and Alan Greenspan are whistling past the grave yard, living on borrowed time.Few people realize how bad the real estate market can become. I remember in the late 70s ... more...

Auto Loan Buying Tips
Have you ever felt like you bought an auto and financed it and don't really know if you got the right price or financing arrangements after it was all over? Well, don't feel alone. This is a common experience for many people who make auto purchases.Guidelines for negotiating the car price can be ... more...

Credit Score: A Guide to Credit Scoring and Improving Your Credit Score
Dont get excited guys, this is not that kind of score and its impact lasts much longer than 30 seconds. We are talking about credit scoring and credit score that is also known as FICO (Fair Isaac & Co.) score.So what is credit scoring? You have heard of personality profile that dating services use ... more...

Credit and Divorce
Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting ... more...

Go for the 'Reversible Decision' - A Great Way to Leave Financial Regret Behind!
If youre just fresh out of school, you may or may not have had the privilege yet of regretting some of your financial decisions. But the time is coming for everyoneit just seems to go with the territory of growing up and living on your own. One of my goals as the president of Education for Reality ... more...

How to Sell Bonds
If you want to make good money with banks, or any institution, Government and agency bonds are where it is at. Simply because all Government bonds and agencies are AAA rated, and banks can buy millions of dollars of any bond without incurring any credit risk.All banks own bonds of some sort, and ... more...

Even With Credit Problems... You Can Get A Loan Within 30 Days, If You're Willing To Work At It
A wise friend once told me that *extraordinary people* are just *ordinary people* who do extraordinary things.It's the same way with loans. People that get loans after being turned down are not extraordinary people, they are ordinary people who do extraordinary things to get their loan.Here's an ... more...

How Bankruptcy Affects Student Loans
The vast majority of government student loans cannot be gotten rid of easily, even filing for bankruptcy will not resolve these debts. The only way that these types of loans can be taken care of in bankruptcy is if you can prove that they are a substantial hardship on you and your finances and this ... more...

Real Estate for Beginners: Residential Property Taxes
Whenever you own a piece of land, you will be taxed for it. Whether it is commercial property or residential property, there is still a tax to pay, whether it is for a village, town, city, county, or state. Most residential private property taxes are handled on the local level, going no higher than ... more...