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You may be one of the millions of Americans who get excited around tax season. Chances are you work for some company that automatically deducts all taxes all of your payroll taxes from your paycheck. Maybe they even take a little more than they need to. Who am I kidding? Of course they do. After all, the government has to make money off of this chunk of cash. They can get oodles of interest over the year. But, then comes the annual time for your IRS tax refund. You need to get back what’s rightfully yours from the federal government and state. And if you choose not to do so, I can’t say that I understand where you’re coming from, Read more…

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There’s no denying that we Americans follow certain patterns and traditions. While church on Sundays, Friday night football, and backyard barbeques may be some of them, they’re not the ones I have in mind. Let’s step over to the darker side of the spectrum. The side where traditions aren’t so wonderful. One of the main ones concerns debt. The truth is most of us are swimming in it. Lower, middle, upper-class; it doesn’t really matter. We all tend to spend beyond our means. And even though we know we shouldn’t, we generally slap another material item on the credit card simply because we want it. It’s like a sickness or addiction of some sort. But, there comes a time when enough is enough. Suddenly debt recovery is the only thing on your mind. I hope you’re at that point right now, Read more…

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Credit cards first entered my life during my freshman year of college. My first plastic way of paying for things gave me a credit line of $500. The closer that I got to that maximum amount, the more the limit increased. It is now years later and I’m lucky to even have a $500 balance on my cards. I’m in debt beyond belief. Though I seem to owe everyone in the world some sort of money, I haven’t ever had problems paying my bills. I may only be able to make my minimum payments, but at least I’m able to pay anything at all. I have an excellent credit score and I intend to keep it that way.

At 26 years of age, I attempted to buy my first home. I went FHA and figured that my income would be decent enough to be approved. My mortgage consultant took all of my personal information and after doing some figuring, informed me that my debt to income ratio was too risky for any lenders to want to give me money, Read more…

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One thing that follows a person around for years is their credit score. If it’s high there’s absolutely nothing to worry about. For millions of people their credit score isn’t iideal and for them something as simple as getting a credit card can be a huge challenge. That’s why secured credit cards are available. They offer individuals with less than perfect credit the opportunity to get a credit card they usually otherwise would have no chance securing. It’s difficult to imagine life without a credit card. Not only is it useful for things like renting a car, or buying groceries, but in some cases you can’t write a personal check without a credit card number. With secured credit cards, anyone, regardless of their credit past, can get a card that gives them the freedom to travel and shop, Read more…

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This article is about getting the best deals on credit cards for students

Have you ever stopped to think about how massive the responsibility is for parenting our child? Unfortunately many people do not think about the responsibility and don’t take the job seriously enough. There are lots of kids that get very little advice or help from their parents so they turn to others their own age or rely on themselves for making a decision. If being ready for the parenting responsibility was a pre-requisite to having kids nowadays,I think the world population would be pretty small.

I know I am not a perfect parent but I have taken the job seriously. I want my child to know as many life skills prior to her going off to college or university on her own especially when it comes to money and money management. I have taught my daughter how to cook, clean, shop and manage her own money. We have had a great deal of fun in the process of learning financial management. I have also taught the importance of being a good member of our community by volunteering for community events, Read more…

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This article is about tips and resources you can use to protect yourself from having your identity stolen

Although identity theft has been around for quite a long time, the Internet has caused a whole new problem. It seems that everywhere you turn you hear a story about identity theft ruining someone’s life. There are many steps you can take to give yourself protection from identity theft, and it is important that you take this stuff seriously. Anyone at any time can try to access your financial information, and if they are successful, you are in for a world of misery.

Identity theft is a fast growing crime and generally a low tech crime involving illegal usage of another individual’s identity such as misuse of a name, adress, date of birth, health insurance number, social insurance number or credit card and mail fraud, and is one of the fastest growing crimes in the United States, costing victims over $5 billion annually, so it pays to know about identity theft protection, Read more…

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Protection from identity theft.

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