You’ll start the process by putting away money in preparation for debt negotiations. Your settlement company will tell you the total amount you need to save in advance. You’ll make a monthly payment into a dedicated bank account for several months or years, depending on your monthly budget and anticipated […]

Most personal loans lack collateral property that can be taken if the borrower defaults, so they rely on the integrity of the borrower to repay the loan’s principal and interest. In many cases, lenders do background and credit checks on potential borrowers to assess their risk. Personal loans used to […]

There are benefits and drawbacks to both sides of the argument over whether to take a secured or unsecured loan, but the final decision comes down to answering two questions: Do you have a valuable piece of collateral, typically a home or automobile? Are you willing to risk losing that asset […]

Make Savings Part of Your Monthly Budget If you wait to put money aside for when you consistently have enough of a cash cushion available at the end of the month, you’ll never have money to put aside! Instead, bake monthly savings into your budget now. Read more on this and other […]

Employment scam Someone contacts you about a great new business opportunity. They need an employee or partner to sell cameras (or some other expensive product) for them. Scammers trick innocent and trustworthy people into sending them money and merchandise. The scammer may even say they found you through eBay’s Trading […]

There are several ways fraudsters incorporate shipping into their schemes. Be sure you’re familiar with the following: My shipping service scam The buyer asks you to use their shipping account because they can get a discount, they have a preferred vendor they’ve worked with for years, or their shipping service […]

What are common scams and how do I spot them? Offers that sound too good to be true, probably are: Most of us are careful if a stranger approaches on the street and offers a deal that’s just too good to be true. But we’re much less cautious online, putting […]

Another option for nurses is the Nurse Corps Loan Repayment Program. We’ll outline what it is, who qualifies for it, and some things you need to consider before applying for it. What is the Nurse Corps Loan Repayment Program? The Nurse Corps Loan Repayment Program is for registered nurses who work in underserved […]

If you’re facing a huge amount of debt you’re not alone. Last year, American families had an average of more than $16,000 just in credit card debt not counting personal loans, medical debts and mortgage loans. There can be any number of reasons why you’re struggling with debt. It might […]

An index fund based on the Nasdaq 100 is a great choice for investors who want to have exposure to some of the biggest and best tech companies without having to pick the winners and losers or having to analyze specific companies. The fund is based on the Nasdaq’s 100 […]