Your credit is something that can affect numerous parts of your life, but the biggest problem bad credit can leave you with is trouble getting a home mortgage. If owning a home is a dream you have, you should know that it might still be possible for you to get a loan even if your credit is bad. Before you rush to a bank to apply for a loan, here are three things you should know.…
Read More »Unfortunately, if a super fun vacation gets out of control, you can find yourself handcuffed and arrested. If that happens, keep in mind that you are not the only one – plenty of people get arrested in the middle of their vacations. However, to minimize disruption to your life, you should keep these tips in mind: 1. Hire an attorney before your arraignment In most cases, the morning after your arrest, you go to an arraignment hearing.…
Read More »Recent surveys have found that roughly four out of ten Americans are unprepared for financial emergencies due to a lack of savings or a high debt-to-savings ratio. If you feel insecure about your current financial status, you may wonder how you will deal with a financial emergency. While you are making plans to deal with emergencies, understanding the difference between a crisis, emergency, and disaster can give you a better idea of where you stand and what your next steps should be.…
Read More »If you are starting a home business, you are probably wondering what options are available to you for funding. While you may be able to apply for and get grants to support your business endeavors, grants for private business are few and far between and typically require extensive documentation. For this reason, many people look to loans as the source of immediate funding to get their business off the ground. There are basically two types of loans you can take advantage of for your home business: personal loans and business loans.…
Read More »When you think of investing, your mind probably goes to stocks, government bonds, or buying shares in a start-up company. However, one of the oldest methods of investing, and surprisingly, one of the least understood methods, is buying gold. The basic idea behind investing in gold is buying the gold, or buying shares in mining gold, with the hope that it will gain value as time passes, like any asset. However, there are a few things that many people believe about gold that just aren’t true.…
Read More »When you are facing an emergency and need cash quickly, you probably think about payday lenders and pawn shops. While both offer quick money solutions, which one is better for you depends on your current situation. Whether you have items worth pawning, when you can repay the loan, and how quickly you need the cash all matter when deciding where to head for your quick loan. Do You Have Something Worth Pawning?…
Read More »The payday loan process allows consumers to get small loan amounts and quick cash options by using a checking account and proper identification. Along with the quick approval process, the loans often have a fee attached to them. While some states like New York and Connecticut ban payday loans, other states offer them freely and loans are even available online. The use of a payday loan, like one from EZ Money, is ideal for emergency situations and the following five family circumstances are some of the main reasons why these types of loans were set up in the first place.…
Read More »Early in 2015, the Consumer Financial Protection Bureau began putting together policies meant to regulate payday lenders throughout the United States. Currently, payday lenders are limited only by state rules regarding maximum interest rates for short term loans and are not federally regulated. Although the CFPB cannot lower the cap on interest rates, that can change the rules that qualify clients to become borrowers. While government intervention is meant to protect you as a borrower, there are some things you should be prepared for if you want to get a payday loan in the future.…
Read More »After winning a court case or agreeing on a settlement, many insurance companies and other parties could agree to a structured settlement. As a part of this settlement, you would receive monthly payments for a set amount of time. Instead of waiting for the money every month, there are ways to sell the settlement and receive a lump sum of cash. If you are considering a structured settlement payout with the help of a company like http://www.…
Read More »When you decide to separate from your spouse, your first thought may be that you need a good lawyer. Although this is true, after you call your lawyer, you will probably want to get in touch with a reliable, experienced financial advisor. If your split is amicable, you and your spouse may go to the same financial advisor in order to prepare you both for flourishing in the financial independence after the divorce.…
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