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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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. […]

A credit card can be a valuable tool if you know how to use it properly. Likewise, using credit cards irresponsibly can lead to a world of hurt. But if you want to use credit in the right way, you don’t have to forsake credit cards altogether, although that’s not […]

If you don’t pay your balance in full by the statement due date, your credit card balance will attract interest and will cause your debt to grow. The more interest you collect, the more difficult it will become to repay your balance. To keep your credit card costs low and […]