2018-04-22 16:00
Hardship letters can be used in many situations, but are most common for requesting a loan modification on a mortgage or to start a short sale. If you are asked for a hardship letter, or sim… Read More
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We are writers, researchers and designers who know the power of financial resource management. Our goal is to create articles and post that can help you maximize your financial potential. We are located in Boise, Idaho.
2018-04-21 16:00
A repossession of your car can have a drastic effect not only on your credit score, but on your ability to get future auto loans. If you are offered a car loan, you might find that a repo on… Read More
2018-04-20 16:00
Scams of all shapes and sizes are taking place constantly. Sadly, a favored target of scammers happens to be seniors. Scammers believe they can take advantage of older individuals by posing… Read More
2018-04-19 22:00
For students with disabilities, traversing the college process may seem daunting. Fortunately, there are laws in place that help these students to be able to successfully complete post-secon… Read More
2018-04-19 16:00
Overwhelming credit card debt can be a difficult hole to dig yourself out of. Between high interest rates and juggling monthly bills, it can be financially overwhelming.
However, paying off… Read More
2018-04-18 22:00
Some veterans return from their time in uniform with a severe service-connected disability that drastically affects their day-to-day existence as they’re transitioning back into civili… Read More
2018-04-18 16:00
Picking between a 401(k) plan and a pension? They are quite different in the ways that they operate, and they each offer unique benefits and risks to you and your employer.
Pension plans hav… Read More
2018-04-17 22:00
There can be many reasons why you might want to refinance your car loan. Maybe the interest rate on the loan is impossible to keep up with and you’re wanting to get a more reasonable A… Read More
2018-04-17 16:00
Buying a car is a big deal. There are a lot of things for first-time buyers and older drives alike to worry about: passing your driver’s test, taking out a car loan, and negotiating wi… Read More
2018-04-16 22:00
Whether you’re ready to retire or just planning ahead, it’s important to know how and when your retirement income will be taxed. This could have a big impact on how much money yo… Read More
2018-04-16 16:00
A pension plan is a type of retirement account. Although it’s similar to other retirement assets like 401(k)s and IRAs, pensions operate much differently than most common plans.
More p… Read More
2018-04-15 16:00
How to Stop Debt Collectors From Calling
Collections agencies are dogged and merciless in continually calling and mailing letters in an attempt to collect on a debt. Despite this, stopping d… Read More
2018-04-14 16:00
You need a car. In most major cities like New York City, it’s possible to live without a car. In many other locations, access to a car is an absolute necessity. A car can take you to t… Read More
2018-04-13 16:00
Goodwill letters, also called forgiveness letters, can be used for a wide variety of situations where you had a missed payment or debt that you paid off. Essentially, you are appealing to yo… Read More
2018-04-12 22:00
What Is a Pay for Delete Letter?
A “pay for delete” letter is essentially appealing to a collections agency that, in exchange for paying part of the debt, they will take the reco… Read More
2018-04-12 16:00
Collections agencies are well-known for their dogged tenacity in trying to reclaim a debt. Because of their overzealousness, it’s entirely possible they try to collect on a debt that t… Read More
2018-04-11 22:00
If the Credit Bureau Does Not Respond
You’ve sent your original letter to the credit bureau disputing a mistake on your credit report, requesting removal or validation. If it has been… Read More
2018-04-11 16:00
Mistakes on your credit report can have a dramatic effect on your credit score. It might be a case of mistaken identity, such as the auto loan of someone with your same (or similar) name app… Read More
2018-04-10 16:00
If you’re an individual aged 62 or older and you feel that you need some financial assistance, you may benefit by looking into a reverse mortgage. For some, a reverse mortgage may offe… Read More
2018-04-09 22:00
Recent reports by the Federal Trade Commission indicate that one in four Americans have found at least one major error on one of their credit reports. While these errors are fairly common, m… Read More
2018-04-09 16:00
Too many hard inquiries on your credit report will hurt your credit score. It’s important to know that soft inquiries, or inquiries you make, do not affect your score. Equally importan… Read More
2018-04-08 16:00
Learning that your child has special needs can be disorienting, to say the least. Maybe you knew from the beginning that something was different with your child, or maybe this revelation has… Read More
2018-04-08 16:00
Your personality is shaped by your personal experiences, your upbringing, your worldview, and your values. It plays a pivotal role in every relationship: from choosing romantic partners, to… Read More
2018-04-07 16:00
It’s true that credit is an extremely important aspect of your financial identity. Your credit is shaped and molded depending on how you treat it. For those with a blank slate of credi… Read More
2018-04-06 16:00
Whether you’re hoping to make a large purchase, or just starting to build credit, you’re well aware that credit scores matter.
Credit scores are used by lenders to determine the… Read More
2018-04-05 22:00
Credit scores are an important measure of your financial health. A high credit score signifies that you’re reliable and more likely to pay your bills on time. So if you’re lookin… Read More
2018-04-05 16:00
Having a piece of your property repossessed can be crippling. What many victims of repossession don’t immediately realize is that it leaves a negative mark on your credit report. This… Read More
2018-04-04 22:00
Driving a car is risky business. Fortunately, insurance companies are in the business of risk. A car insurance policy allows you to feel financially secure on the road with the knowledge tha… Read More
2018-04-04 16:00
What is a Judgment?
Judgments on your credit report are one of the worst items that affect your credit score, and can prevent creditors from agreeing to give you loans or credit cards.
A civ… Read More
2018-04-03 22:00
With the cost of divorce being high, it can feel hopeless for those looking for a divorce without the funds to do so. This is especially true for those who know the possibility for an uncont… Read More
2018-04-03 16:00
Wondering if you can go over on your credit card limit? You can, but it’s not quite the same as overdrafting on your debit card. In this article, we’ll cover the difference betwe… Read More
2018-04-02 22:00
How do you plan on financing your retirement? Stuffing spare change under your mattress isn’t going to be enough to pay for your golden years, especially if you are looking to last the… Read More
2018-04-02 16:00
If your parent, spouse, or child is currently receiving social security benefits due to a disability, you may also qualify for additional benefits for yourself and your household. In this gu… Read More
2018-03-31 16:00
Everyone has an opinion on how our education system should be changed. What if people actually listened to your voice in the matter? Being an educational consultant is one way to make that h… Read More
2018-03-30 16:00
Going to school to become a nurse is one of the hardest educational programs that you can undertake. Between studying, textbooks, and a strenuous course load, nursing students don’t ha… Read More
When To Retire: Social Security, Full Retirement Benefits, And The Average Retirement Age In America
2018-03-29 22:00
Planning for retirement is something every worker, regardless of age, needs to do. You don’t just stumble into retirement; it requires planning, saving, and a working understanding of… Read More
2018-03-29 16:00
People will only pay you what they think you’re worth. However, you control their perception of you.
This is the message Casey Brown shares in her TEDx video on discovering your worth… Read More
2018-03-28 22:00
A career in consulting can sound appealing for a variety of reasons. Whether you’re thinking of starting your own consulting business or going the freelance route, there are many perks… Read More
2018-03-28 16:00
If you’re struggling to find a savings account that works for your loved one with special needs, the 529 ABLE account was created specifically with disabled individuals in mind. In thi… Read More
2018-03-27 22:00
If you’ve ever applied for a loan or a credit card, you know how much credit scores impact the terms of your loan and your likelihood of getting approved. What is good credit? How does… Read More
2018-03-27 16:00
For homeowners, there are few things worse than the thought of foreclosure. If you fall behind on your mortgage payments and the bank thinks that your mortgage is a lost cause, then they cou… Read More
2018-03-26 22:00
Yes, you can withdraw cash from your credit card. This is called a “cash advance.” It can be risky, and might not be the best option for you, but sometimes life doesn’t lea… Read More
2018-03-26 16:00
Patience is a virtue. That idiom is is as true in divorce as it is with anything else. Many couples are anxious to get a divorce finalized as to move on with the next phase of their lives. F… Read More
2018-03-25 16:00
Student loans can be a huge burden for recent graduates who are just starting their careers. They’re even harder to pay off if you’re working in a career field that isn’t k… Read More
2018-03-24 16:00
Recruitment is difficult for companies of any size. No matter how often they have to do it, most people aren’t great at conducting hiring interviews. Interviews are important for figur… Read More
2018-03-23 16:00
As the parent of a special needs child, you may have heard about something called a “letter of intent.” Today, we’re here to talk about exactly what it is and how it can he… Read More
2018-03-22 22:00
There are very few events in your career that will cause the level of simultaneous anxiety and excitement as a job interview. The chance of being rejected after laying it all out on the tabl… Read More
2018-03-22 16:00
It’s easy to see why so many people are drawn to consulting. Besides various industry perks, who doesn’t want to get paid to give others advice? However, there’s a lot more… Read More
2018-03-21 22:00
If you’re thinking about applying for a home loan, auto loan, rental property, or credit card, you’ve likely heard about the importance of having good FICO credit score. Be… Read More
2018-03-21 16:00
If you’ve ever wondered why you were denied an application for a credit card, or why you struggled to get approved for a home loan, it could be that your credit score is in jeopardy.
Y… Read More
2018-03-20 22:00
There are many difficult business conversations you might have throughout your life; from interviews, to notifying your boss that you’re moving to another company. They all require a l… Read More
2018-03-20 16:00
In 1944, Congress passed the Servicemen’s Readjustment Act. More commonly known at the G.I. Bill, this piece of legislation was designed to help military veterans returning from war to… Read More
2018-03-19 22:00
Have you lost a debit card or credit card in the past? Maybe that experience prompted you to look into tracking devices for your card. Unfortunately, the smart chip or EMV chip doesn’t… Read More
2018-03-19 16:00
Making the decision to get married can be a difficult prospect for some, but making the decision to get divorced can be even more difficult. Once two people have their lives intertwined with… Read More
2018-03-18 16:00
Can Joining the Military Get Student Loan Debt Forgiven or Deferred?
A college education is more expensive than ever, and stagnant wages are making it difficult for a recently graduated work… Read More
2018-03-16 16:00
If you have a special needs child or family member, you might be wondering what kinds of actions you can take to secure income for your loved one. Luckily, there are a few accounts that you… Read More
2018-03-15 22:00
Becoming a consultant might seem like an easy path to take at first glance. You get to give people advice and get paid for it, right? As it turns out, it can a be a little more complicated t… Read More
2018-03-15 16:00
What Goes Into Your Credit Score
There are three credit bureaus — Experian, Equifax, and TransUnion — that each independently calculate your credit score. Your score — ofte… Read More
2018-03-14 22:00
Finding a job that’s right for you can be tricky. Perhaps you’re fresh out of college, but lack the experience requirements set by the hiring manager. Or perhaps you’ve bee… Read More
2018-03-14 16:00
Taxes season is right around the corner, and you might be scrambling to find every deduction and write-off possible. While doing so, you might have wondered about that credit card interest y… Read More
2018-03-13 22:00
There are many variables that influence the cost of divorce. How long it takes, whether or not you’re using a lawyer, whether or not it’s contested, and which state you live in a… Read More
2018-03-13 16:00
Charge-offs occur when you fail to make a credit card payment for 180 days. Once you have a charge-off on your credit history, your options are limited.
Can a Charge-Off Be Removed From a Cr… Read More
2018-03-12 22:00
Student loans are a heavy weight on the shoulders of many college graduates. It takes most students around 21 years worth of payments before they’re able to completely pay off the stud… Read More
2018-03-12 16:00
One of the biggest moments in a person’s life is the moment they become a parent. The miracle of childbirth is both terrifying, awe-inspiring, and wonderful. When you’re pregnant… Read More
2018-03-11 16:00
When most people think of their ideal job, it’s something in the private sector. Good jobs come with good pay, which can lead to a better credit score. They come with great benef… Read More
2018-03-10 17:00
People mistakenly think that consulting can be one of the easier businesses to operate. After all, can’t anyone be a consultant? Perhaps, but only a select few people can be good consu… Read More
2018-03-09 17:00
Retirement is a goal that every person dreams of. It’s the chance to sit back and enjoy your life after decades of hard work. Yet, retirement is no longer a guarantee for every person… Read More
2018-03-08 23:00
Have you ever wondered what the “credit” part of “credit card” means? It’s easiest to think of credit like a short-term loan, but it’s a bit more complica… Read More
2018-03-08 17:00
Former and current service members emerge from duty with a wide variety of skills that are easily transferred to the civilian workforce. Their skills gained from service are one of the many… Read More
2018-03-07 23:00
Making the decision to file for divorce can be difficult, and obtaining one isn’t exactly a walk in the park either. Beginning the steps towards divorce are an important part in the so… Read More
2018-03-07 17:00
A parent with a special needs child might be concerned about what will happen after their child reaches adulthood. You might be wondering how you can best set up your child for success once… Read More
2018-03-06 23:00
Before we get started, there’s something important to know: You can’t remove legitimate inquiries from your account. While they will naturally drop off and stop affecting your sc… Read More
2018-03-06 17:00
In 2016, CNN reported that a Texas man was arrested by U.S. Marshals for failing to pay his $1,500 student loan payment, which he had owed for nearly 30 years.
“I was unaware of any ou… Read More
2018-03-05 23:00
If you’re interested in purchasing your first home or taking on a car loan, you know the importance of a strong credit score. But…maybe you were declined for a line of credit an… Read More
2018-03-05 17:00
When you are a business owner, you put a variety of investments into your business. These include money, time, and energy. In a sense, your business is almost like your own child, one you wo… Read More
2018-03-04 17:00
For those who are struggling with their debts, bankruptcy can be a solution to getting your finances back on track. Although it’s a viable solution for many, it’s certainly not t… Read More
2018-03-03 17:00
If you’ve defaulted on your student loans, there are many things that lenders can do legally in order to recover their funds from those who have neglected to make their payments. Wage… Read More
2018-03-02 17:00
When you start a nonprofit organization, one of the first things that you’ll need to do is assemble a board of directors. Not only is a board of directors required by law in order to q… Read More
2018-03-01 23:00
Racism in America is a very hot button issue. Despite the attention it receives from media personalities and politicians, it still remains a common and prevalent problem in today’s soc… Read More
2018-03-01 17:00
Dentistry has long topped many “Best Job” lists, often regardless of criteria. Dentists make good money, appear to have decent job satisfaction, and work in an industry with cons… Read More
2018-02-28 23:00
Student loan lawyers can be a viable solution that can help you with your debts if you’re being sued by missing payments on your federal or private student loans, especially if you&rsq&hell…Read More
2018-02-28 17:00
Nonprofit organizations with a charitable purpose are eligible for tax breaks. This exemption makes it easier for them to fulfill their altruistic mission without having to send a large chec… Read More
2018-02-27 23:00
Committing to a military career is a big sacrifice for our service members. It means time away from family, a potentially dangerous job description, and the possibility of veteran discrimina… Read More
2018-02-27 17:00
If you’re struggling to make your monthly student loan payments, you’re not alone. According to recent studies, on average, over 3,000 Americans default on their student loans ea… Read More
2018-02-26 23:00
U.S. Trustee, bankruptcy estate, bankruptcy trustee — these are all terms that are often used in relation to U.S. bankruptcy cases. Some of them might even seem like they mean the exac… Read More
2018-02-26 17:00
Despite the many skills our U.S. veterans have, and the sacrifices they have made as military members, there are still a number of veterans seeking employment. There are many benefits to hir… Read More
2018-02-25 17:00
As a working adult, there are many challenges that you might face on your road to retirement. Unfortunately, one of those obstacles might come in the form of age discrimination at work.
Age… Read More
2018-02-24 17:00
Even if you know you want to become a doctor, this is only one decision of many to come. You still have to decide which school, where you’d like to practice, and, perhaps most importan… Read More
2018-02-23 17:00
If you’ve been looking into bankruptcy as a possible option to free yourself from debt, you might have run into some information about bankruptcy fraud. It’s perfectly normal to… Read More
2018-02-22 17:00
That sweet goal of retirement, when you can just stop working and enjoy life. Everybody dreams of it, most people work towards it, and many achieve it. Yet for business owners, there are ext… Read More
2018-02-22 17:00
There are many different forms of discrimination, but one of the more talked about forms is gender discrimination. Especially in the current news cycle with the #MeToo movement, gender discr… Read More
2018-02-21 23:00
Selling a business is not an easy task. You have to find a buyer, fill out tons of paperwork, and make sure your business keeps running. One of the hardest parts of selling is picking the ri… Read More
2018-02-21 17:00
Many people who work in healthcare claim to have experienced a type of calling to enter the field. Nurses are no different.
However, the realities of being a nurse might not be everything yo… Read More
2018-02-20 23:00
What Is a Nonprofit?
Most businesses are in it to make money. Usually, whenever a business pulls in income, some of that money is leftover after all of the business expenses are accounted fo… Read More
2018-02-20 17:00
You’ve heard of the term “bankruptcy” before, but you’re not perfectly clear on what it is or who it is for. Maybe you’ve looked into it, but you’re not s… Read More
2018-02-18 17:00
Buying and selling businesses is complicated work. It’s not like putting a computer up for sale on Craigslist. You need to find the right price for the company that both the buyer and… Read More
2018-02-17 17:00
If you’ve looked into bankruptcy, you’ve likely heard the terms “discharge” and “dismissal”. In this guide, we’re mostly going to focus on what a di… Read More
2018-02-16 17:00
Workplaces are intended to be equal, fair, and safe for everyone. Historically, it’s obvious that workplaces have not always been equal or equitable, and it’s true that offices h… Read More
2018-02-15 23:00
Being a doctor is usually a lifelong dream. You get to save lives and earn good money, all while knowing that you’re making the world a better place. However, like most dreams, there i… Read More
2018-02-15 17:00
The relationship between an employer and their employees involves many rules and stipulations created to protect both parties. If that employee is a military veteran, however, the requiremen… Read More
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