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What Are Prescreened Offers of Credit and Insurance? -- Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer. Prescreened offers -- sometimes called "preapproved" offers -- are based on information in your credit report that indicates you meet criteria set by the offeror. Usually, prescreened solicitations come via mail, but you also may get them in a phone call or in an email.
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Saving For Your First Home -- There is no concrete rule dictating how much you should save for your down payment, though a good rule of thumb is to save as much as possible! Here we offer some suggestions to help you save up a sizeable down payment for your home purchase.
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Mend Your Money Mistakes -- Everyone makes them and I don't mean just the big ones - on a day-to-day basis, we are all guilty of making money decisions that are not supportive of our bigger vision for our life. Let me start then, by sharing with you my big mistakes from last year because a big part of mending money mistakes is to know what they are.
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The Basics of Retirement Planning: It's Not That Hard -- Most of us can't wait until we reach the years of retirement, no more working, just enjoying the rest of our life. And when you have planned your retirement as you should have done you will be able to do so. Hopefully you will have the money saved that you need and even some extra compared to when you had in your working days. It isn't as difficult as it sounds, retirement planning is something we all have to do at some time so why not start as early as you can and start right now.
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IRS Collections and the Statute of Limitations -- The Internal Revenue Service (IRS) is feared by millions of American's because of their aggressive collections. However, generally they cannot make attempts to collect a debt that accrued over 10 years ago.
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Do You Really Need a Credit Card? -- Credit cards are pretty much a way of life in the United States. Many people not only use them for most daily purchases, they carry balances from month to month on them It's hard for most to picture life without them. But do you really need them?
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Defining Whole Life Insurance Today -- Whole life insurance is a permanent life assurance. This means that it lasts for your whole lifetime. Additionally, whole life has a cash value that is guaranteed.
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10 Fun Facts About Credit Cards -- If you hold multiple balances with different interest rates on one card, payments are applied to the balance with the lower interest rate. If you have a $2,000 balance at a 4.99% rate and a $300 balance at the purchases rate of 19.99%, your payment will be applied to the balance at the lower rate.
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Will You Save Money With Mortgage Refinancing? -- If you're reading this article now, you must be asking yourself that same question. You probably have been repaying your mortgage for quite some time and it's really eating up most of your salary. Finding ways to save money by cutting costs would leave you with nothing but the essentials. That's not so bad, but it feels really good to be able to indulge yourself once in a while.
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How to Build Credit -- Have you ever been denied for a loan because of limited or no credit history? This puts many people in a peculiar bind. It can be very frustrating to get denied for a loan, especially if you are trying to obtain the loan to build your credit in the first place. If you are in this situation, follow these steps to start building up your available credit.
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