Tips on How to Apply for a Credit Card
Deciding to apply for a credit card is not a decision you should take lightly. Many stores try to get you to impulsively apply at the register, and you should never agree. Credit cards can affect your financial situation for years so you should certainly think before you act. If you want to ... more...

Free Credit Report
Most people are familiar with the term credit report but not everyone has a clear picture of exactly what a credit report it is. Your credit report can be viewed as a report card of your financial and credit activities. You are graded on your payment timeliness and credit activity. The fewer late ... more...

Insurance 101 - Undermining America for the Good of Americans
Insurance is like a myth. From one small seed of truth, a fairytale the size of 1000 giant sequoias has sprung up. Reality is blocked from view. Surely, youve noticed all the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money ... more...

Debt Consolidation Discipline is Required if Consolidating with Home Equity
Debt consolidation is a popular topic these days. The average American carries nearly $10,000 in credit card debt and credit card debt of $100,000 is not all that unusual. New legislation that takes effect in October 2005 is going to make it harder for those with problem debt to file for ... more...

Escaping the Debt Spiral
Credit card debt is the ball and chain that hinders many consumers from reaching financial happiness. The biggest problem is that many people who have hefty credit card debts have no idea just how much money theyre paying in interest every month theyre in a debt spiral from which its very ... more...

What You Don't Know About Auto Insurance
Most people understand that they need auto insurance. In fact, its the law, if you drive a car, it has to be insured and the penalty for driving without insurance is pretty severe. However, insurance policy wordings are not easy for everyone to understand. And what you dont know about auto ... more...

Top 8 Life Insurance Mistakes to Avoid
Mistake #1Dont forget to update the beneficiaries on your life insurance policies regularly. Update it every few years or when theres a major life event such as marriage, divorce, new babies, death of beneficiary, etc. I hear sad stories all the time from people whos husband, father, or wife ... more...

Are You A Victim Of A Predatory Mortgage Foreclosure?
Help is available to borrowers who have claims against their lenders for violating the Truth in Lending Act and other laws regulating credit transactions. Such violations may be a defense to a mortgage foreclosure. If there is a violation, you may be able to void the mortgage and apply 100% of your ... more...

Save Money on Your Mortgage Loan
Did you know if you borrow $100,000 for a mortgage loan, you may pay back as much as $300,000? Yes, its true, and you may pay more than that depending on the interest rate and the number of years it takes you to repay the loan. The amount is even higher if the terms of your loan require mortgage ... more...