Will the Fiscal Cliff Reduce Mortgage Rates?


No matter which side of the aisle you’re on, everyone can agree that it’s nice to have the elections behind us. No one likes uncertainty, least of all investors — and that means homebuyers as well. That said, there’s a new question looming in all of our heads at this point — what’s going to […]

How to Find the Best Bankruptcy Lawyer

Personal Finance

Choosing the best bankruptcy attorney for yourself is like choosing the best medical doctor to treat you for an ailment. Like attorneys, all doctors have to have the basic education and training to qualify for the job. However, not all doctors can listen and communicate well with their patients. Similarly, not all attorneys have the […]

How to Clean Up Your Credit Report


With the explosion of job losses, foreclosures and bankruptcies in the past few years a lot of people now have to deal with damaged credit profiles. Once sparkling credit reports are now littered with derogatory information that not only makes it difficult to get new credit, but it can also have a negative impact on […]

Use Debt to your Advantage


Debt is deemed to us as ‘a bad thing.’ However, when we use debt correctly it can be a driving force in getting a home or a new car. Having debt is not all bad, and here are some useful ways we can use debt to our advantage. Debt Management An expert in debt management […]

The Federal Reserve and Quantitative Easing

Personal Finance

Now US elections are out of the way, time for FX traders to focus on the most powerful man in America right now: prof. Ben Bernanke. As head of the US Federal Reserve he is the real master of the markets since his predecessor, Alan Greenspan, left the institution in 2006. Fed policy is what […]

Should You Work With a Debt Settlement Company?


If you’re facing overwhelming debt, turning to a debt settlement company may seem like an easy way out. Their ads often promise to settle your debt for less than you owe by negotiating with your creditors.[1] In reality, these companies often do their customers more harm than good. Understanding the basics of how debt settlement […]

How Much Student Loan Debt To Take On


Ideally, none, but let’s be serious. In 2012 and beyond, just about everyone will have student debt…it’s only a matter of how much. Half of all graduating students now have student debt, according to the College Board. Your total student debt should not surpass what you expect to earn your first year out of college. […]

Being Debt Free is Achievable


Getting into debt is something that many of us fear, not least because of the problems associated with paying it back in full. Whether it’s because you needed to replace a broken appliance, pay off a mortgage or simply needed to borrow in order to help cover the costs of essentials like food, water, electricity […]

Should Christians Stay Completely Out of Debt?


This is a sticky subject for Christians—or at least a very gray one—and it opens up a host of uncomfortable questions. In a world that runs on credit, how much should a believer take on? Should we go into debt at all? Is it possible for us to borrow money on a continuous basis and […]

How To Get Old Debts Under Control

Credit Cards

My friends may make fun of me for being a frugal spender (which is really just my way of saying that I’m cheap), but they always wonder how I was able to control my debt. Because I get this question so often, I decided to put together a step-by-step guide to paying down your debt […]

Is It Possible To Give Too Much?

Personal Finance

Can we ever give too much—to church, to charity, to other people? Usually the question goes in the opposite direction—we don’t give enough. I’ll admit that on the surface this question seems almost ridiculous, but it is actually possible to give too much. Also, we have to be careful that we don’t attach subjective numbers […]

Consolidating Debts With Bad Credit: Can It Be Done?


(Author’s Bio: Valerie Anne Reyes is an in-house writer from Franklin Debt Relief, a company specializing in programs for people with high credit card debt.) The problem of credit card debt is a common one shared by millions of people. This problem is one that some people have managed to endure without seeing much impact […]