Smart financial management involves protecting credit, mastering frugal living, and understanding legal obligations like tax filing and property transfers.
While being rich may not automatically make you healthy, there's definitely something to be said for alleviating some of the stress that comes from financial woes. Here are some words of wisdom to help you along the path to financial health.
Read more →
Rosacea is a skin condition characterized by facial redness and small, pus-filled bumps appearing across the forehead, nose, cheeks and chin.
Read more →
Learn how to remove closed accounts from your credit report, including steps to clear up negative entries and best practices for disputing expired records. Find out why closed accounts can remain on your report and how to improve your credit score.
Read more →
Just because you are no longer residing in a certain country does not mean your credit card debts will cease to exist. Credit card companies will still work to obtain the money owed to them by you. After a certain period of time, your account will likely be turned over to a collection agency to continue the work.
Read more →
Babysitters must follow specific tax regulations that cover child care workers under the rules of the Internal Revenue Service (IRS). Most people who babysit are not employees of the family and must report this income as a self-employed worker or sole proprietor.
Read more →
After the most immediate duties associated with the death of your loved one are completed–contacting friends and relatives and planning the deceased's funeral–there's a considerable amount of administrative detail involved in tying up your loved one's affairs.
Read more →
If you have an unpaid debt to a credit card company, to the state or IRS, you could have your checking account garnished. Creditors commonly use two methods to obtain money from people in default on their loans and credit cards: Wage garnishment up to 25 percent and checking account garnishment.
Read more →
A credit check is used to determine someone’s creditworthiness. A credit check can be as simple as getting an applicant’s FICO score or credit rating number or as complex as pulling a merged report of all three credit reporting agencies—Experian, TransUnion and Equifax.
Read more →
When the federal Fair and Accurate Credit Transactions Act (FACT Act or FACTA) was passed in December 2003, all consumers were entitled to receive a free copy of their annual credit reports.
Read more →
If you have not used certain credit cards in a while or have concerns about identity theft, you may want to research what accounts you have open in your name. Staying abreast of your open credit card accounts can help you resolve issues such as disputing account charges or closing inactive cards.
Read more →
It is frustrating to have paid delinquencies on your credit reports. They show you took responsibility for an old bill, yet they look bad to creditors and bring down your credit score. Sometimes they even have incorrect information like the wrong pay date or amount.
Read more →
Defaulting on an RV loan has serious consequences. Besides losing your RV, your credit score is affected negatively, and you will most likely still owe the bank money. It is best to avoid defaulting on your RV loan. To avoid default, first contact the lender that holds the loan.
Read more →
If you moved out of your last place of residence without paying your last month's electricity, gas or water charges, an old utility bill can come back to haunt you in a place you least suspect likely: your credit report.
Read more →
Prepaid cards and debit cards have some important similarities and differences. You can get these cards even if you have a bad credit history. You must have a bank account to have a debit card because it is linked directly to the account. A prepaid card simply requires money to purchase or reload the card.
Read more →
Using credit cards to make purchases in stores can be convenient as well as beneficial if you have a card that offers cash back or other rewards.
Read more →
Cashing personal checks can be difficult if you don’t have a bank account. When you have access to the bank that the check was written from, you may be able to cash the check at that branch without having an account of your own there.
Read more →
The black strip on the back of your credit or debit card is magnetized and stores information about your account. When the strip is swiped, the merchant accesses your private information so you can make your purchase. If the magnetic strip is physically altered or demagnetized, the "swipe and buy"
Read more →
If you've ever chopped raw onion, you know that the plump bulb has more than just a pungent aroma. Though it is annoying to fight back tears when you're trying to cook, the chemical properties of onions make them the perfect home remedy for stuffy sinuses.
Read more →
Although personal checks have become less popular due to credit cards and checking cards, they are still frequently used, particularly when paying rent or utilities and other bills, or for establishing an easy-to-follow paper trail.
Read more →
Gluten intake in gluten-sensitive individuals is linked with a variety of mental health issues, ranging from brain fog to anxiety and depression. If you usually avoid gluten but accidentally ingest some, you may experience brain fog right away, or it can show up a few hours or days later.
Read more →