Avoiding Credit Card Traps
We were offered a one-year 2.99% interest rate on an existing Visa account that we didn't use very much. We wanted to use the card to make a very large purchase with the intent of paying it off within one year.
Luckily we checked the "fine print". The original purchase will be at 2.99%. But any subsequent purchases on that... >Read More
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Gary Foreman,
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Payday Loans
I have several payday loans that I cannot get paid off. I've be trying for several years and I only have enough money to renew. If I cash out my 401k to pay these loans off I will have plenty of money each month to put back in my 401k plan. Will I still face the extra 20% penalty... >Read More
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Gary Foreman,
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Christmas Gift Challenge
"It's beginning to look a lot like Christmas..."
You can tell because everywhere you go someone is trying to sell you something! Stores began decorating weeks ago and the TV commercials are starting to have that Christmas flavor, too. So what's a person to do? Well, you could go 'bah humbug' and hide until January or you could try taking... >Read More
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Credit Card Minimum Payments
A couple of months ago I read an article about getting finances under control. According to the article, you can double the minimum monthly payment on a revolving charge and that account will be paid in full in 36 months regardless of the amount. How could that be possible? Especially considering how "minimum" most minimum monthly payments are....... >Read More
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Gary Foreman,
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Terminating Automatic Bills
I requested that my credit card account be closed in June. In November I received a bill for $110 for automated charges that go through once a year.
The credit card company said that it was my responsibility to request that these charges stop going through. The problem is that I can't get through to these companies to have these... >Read More
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Gary Foreman,
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The Road to Good Credit
"Whether you're trying to establish credit for the first time or re-establish credit after experiencing financial difficulties, a lender will be looking for assurance that you can pay back the money you borrow", says Consumer Credit Counseling Service. You must be able to show:
Stability - You must prove that you can hold a steady job with a...... >Read More
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Attorney's Advice - No Charge
Read this and make a copy for your files in case you... >more
Are Finances a Family Affair?
When you were growing up you always assumed that your parents had... >more
What Do You Fear?
