If you’re ready to buy stocks, bonds, or ETFs, you may be wondering where these types of investments are held. There are a few different types of accounts in which you can hold investments. But they can’t live in your standard bank account. Here are your options. Retirement accounts Saving for retirement is most people’s […]

Credit cards and medical bills are ideal for the debt settlement process because if the cardholder files for bankruptcy, the card company or medical facility could get nothing. Federal student loans are another story. It’s extremely difficult, to reach a debt settlement. If you have defaulted, the government allows a collection agency to accept a […]

Loan contracts come in all kinds of forms and with varied terms, ranging from simple promissory notes between friends and family members to more complex loans like mortgage, auto, payday and student loans. Banks, credit unions and other people lend money for significant, but necessary items like a car, student loan or home. Other loans, […]

There are several types of bankruptcy for which individuals or married couples can file, the most common being Chapter 7 and Chapter 13. Chapter 7 Bankruptcy Chapter 7 bankruptcy is a chance to receive a court judgment that releases you from responsibility for repaying debts. You are permitted to keep key assets, considered exempt property, but […]

The soaring cost of college is slowing slightly in 2017, but the amount of student loans needed to cover it, is not. The price of tuition at four-year, in-state universities went up 2.4 percent, the smallest gain since 1975. Borrowing from federal loan sources for the first quarter of 2017 was $136.3 billion, about 3% […]

The U.S. government issues various types of securities to raise money to pay for projects and pay its debts. These are some of the safest investments to guarantee against loss of your principal. Treasury bills, or T-bills have a maturity of one year or less and are not technically interest-bearing. They are sold at a discount […]

Review your needs and goals It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals and Your appetite for risk is a good start, so start by filling in a Money fact find. Consider how long you can invest Think about how soon you need to […]

Above all, have a plan – it’s the old adage: if you don’t know where you’re going, you’ll probably end up somewhere else. Don’t do it yourself. It is very difficult to be objective about your own circumstances, particularly when it comes to failures or shortcomings. You need an honest assessment of your financial situation, and the […]

When you’re facing sky-high medical bills and don’t know what to do, it’s tempting to just stuff the bills in the freezer and pretend they don’t exist. That’s definitely not going to solve any of your problems, though. You can get your finances under control. It starts by taking some time to learn what payment […]

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are 10 key tips to getting ahead financially. Get Paid What You’re Worth […]