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If credit card use is up at all these days it may be largely attributed to the popularity of the cash back rewards programs offered by most of the major card issuers. After all, if you can earn an extra $40 or $50 a month just by making your normal purchases of gas and groceries, [...]
Credit cards for those with good or excellent credit are everywhere, however, credit cards for fair credit are still hard to find. Unquestionably there has been a credit revival in the U.S. over the last year or so. The number of people thawing out their credit cards is increasing, as evidenced by the uptick in [...]
You may have noticed an increase in the amount of credit card offers you’ve received in the mail lately, as the credit card companies are eager to capitalize on the current upswing in credit card use. Many people base their choice of credit card on rewards or points, but the APR on a card is [...]
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Happy days are here again! Or are they? After 3 years of belt tightening, American consumers began spreading their cash around again as consumer spending showed an increase of .08 percent, the largest increase in over a year. Was the new “frugality” that came to characterize the fiscal attitudes of Americans only fleeting? Or are [...]
Have you ever considered using a virtual bank as opposed to a traditional bank? You may be one of the 175 million people who have become comfortable conducting their banking business online. And why worry, because with all of the security and redundant data encryption used in banking websites, you’re as safe banking online as you are [...]
Another sign that the economy may be picking up is the reported increase in restaurant revenues, an indication that people are allowing more eating out into their once-strapped budgets. Recent surveys, however, point to another reason why people are choosing eating out vs eating at home, and that is that many have determined that it could [...]
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The number of American renouncing their U.S. citizenship each year has increased nearly 200 percent per year over the last four years, the vast majority of who do so to escape the long arm of the IRS. Granted, we’re only talking about 1,800 expats out of more than 6 million living abroad; however, it’s not [...]
It’s difficult getting through life these days without a credit card. While many people simply take them for granted, others walk a daily tightrope in managing their credit cards where one slip could suddenly send their credit situation tumbling down. In either case, all it takes is one mistake to turn your financial dreams into [...]
For Bank of America, the PR hits just keep coming. It was reported last week that senior officials at Bank of America showed a decade-long customer the door because it didn’t like its line of business as a firearms manufacturer. McMillan Group International, an American, family-owned company was not only told that B of A [...]
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What is a short sale, and is it the best choice for you right now? Maybe so, however there is a lot to slip between the cup and the lip. As the nation anxiously awaits the next wave of foreclosures, thousands of distressed homeowners are desperately clinging to the possibility of escaping their underwater homes [...]
When people get behind on their debt, or at least contemplate doing so, the question that ultimately runs through their minds is “Can a Credit Card Company Sue You?” The short answer is yes as long as they are following the process set forth in the Fair Debt Collection Practices Act. Suing you for uncollected [...]
Much like being a runner, paying off debt and the journey towards debt freedom, takes dedication and hard work. In high school I was an avid runner, and played sports like soccer and track. I’ve been working very diligently for little over 2 years to pay off all my debts, which included credit cards and [...]
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Unfortunately, the prospect of a foreclosure has become all too real for tens of thousands of people. And, the fact that there are still thousands of pending foreclosures is a partial cause of depressed home prices which threatens even more people when their homes become upside down in their mortgages. Avoiding foreclosure may not be easy in some circumstances, however in most cases it can be done if you take the right steps.
Clearly bankruptcy is not a destination on anybody’s financial map, but it’s where you could end up when you encounter roadblocks and your life is detoured by the unexpected. So, everyone who arrives at bankruptcy takes a different path, but the road back to financial health and prosperity has but one starting point and with it the opportunity to map out a new financial future.
Coming to terms with a bankruptcy becomes much easier for people when they view it as a clean slate, which is really what it is. In fact, it is intended to give people a chance to start anew with a fresh opportunity to build a secure financial life unencumbered by the weight of past hardships.
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