Debt Collector Hassles?

Apr 6, 2020 by

Debt collectors can be real jerks! If you owe, the collector has a right to work at getting you to pay. But you don’t have to put up with many of of most common—and illegal—collection tactics.

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How to Triage Bills – Pa...

Mar 30, 2020 by

Part 2 of a two-part mini series: Say you’re in a tough but you hope temporary situation where you know you’re going to be short of cash to pay all of your debts and bills. How do decide what to pay?

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How to Triage Bills – Pa...

Mar 23, 2020 by

Say you’re in a tough but you hope temporary situation where you know you’re going to be short of cash to pay all of your debts and bills. How do decide what to pay?

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Handling a Money Crisis

Mar 16, 2020 by

What would you do if a family wage earner were unexpectedly laid off? Panic and paralysis is normal for a day or two, but then what?

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SEP or Roth IRA?

Mar 9, 2020 by

Are you self-employed (a freelancer)? Then you may be able to build a retirement fund far faster contributing to a SEP IRA instead of to a Roth IRA.

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Benefit of Saving $6,000

Feb 24, 2020 by

Hey: if you want to buy groceries, electricity, and gasoline when you stop working, you need to sock away some cash while you have paid employment. Social Security isn’t going to cut it. But if you need more motivation to save than avoiding being poor and miserable when you’re old, have a look at this.

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Freelancer Taxes

Feb 4, 2020 by

Are you contemplating becoming or newly self-employed? Congratulations, good for you! But in your excitement, don’t forget an important piece: TAXES!

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Tax Preparer Selection Tips

Jan 27, 2020 by

Don’t let the IRS keep more of your money than it deserves!

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Dealing with Debt Collectors

Jan 20, 2020 by

Debt collector on your case? Here’s a quick video summary of the activities debt collectors are NOT allowed to do, by law, but often do anyway. You can and should fight back if a debt collector is a law-breaker!

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Pay Debt with 401(k) Loan?

Jan 13, 2020 by

If you have high-interest debt like credit cards, that chunk of change you’ve accumulated in your workplace retirement account may look mighty tempting. Why not lend it to yourself, pay off the credit cards, and save the interest expense?

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Ready to Pay Off Debt?

Jan 6, 2020 by

If you’ve finally had enough of feeling as if you work part-time for your credit card companies just so you can make your minimum payments, then you are in luck. The Debt Fairy’s magic wand won’t save you, but you can save yourself. I’ll help.

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New Year Resolutions

Dec 30, 2019 by

Adopt this simple set of resolutions, and your bank account will magically be fatter at year’s end.

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Handle Old Debts Carefully

Dec 16, 2019 by

You’ve got a 5-year old debt. Do you still owe it? Should it still be on your credit report? Is it dragging down your credit score? Can you be sued for collection?

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Opt Out of Credit Offers

Dec 9, 2019 by

Here’s how to cleanse your mailbox forever of those unsolicited offers to lend you money.

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How Easily Debt Grows

Nov 25, 2019 by

You overspend $100 per month for five years by borrowing money on a credit card with a 20% APR. How much debt have you built up?

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How Much Savings Is Enough?

Nov 18, 2019 by

Retirement planning is challenging for a simple reason: we can’t predict the future. Future inflation and the return you get on your savings will make a huge difference in how long your nest egg lasts.

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Pay Early, Get Late Fee?

Oct 28, 2019 by

You made a credit card payment early, and your reward was a late payment fee. How can this happen?

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How Debt Kills

Oct 20, 2019 by

Are you really paying a premium for everything you buy on sale?

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Debt Doesn’t Cure Debt!

Sep 22, 2019 by

LendingTree’s invitation to take out a loan to remedy too much debt is like advising an alcoholic to drink more to get straight.

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What’s an Investment?

Sep 16, 2019 by

Do you feel a nagging unease because you know little or nothing about investments? No worries—you have a lot of company. Here’s a starting point for beginning to learn more.

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Retired at Age 40!

Sep 9, 2019 by

Here’s a guy, now in his mid 50s, who retired a few months shy of his 41st birthday. How did he do it, and how has his life been going since?

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Simple Math

Sep 2, 2019 by

I believe I’ve uncovered the single equation that’s the key to financial success.

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Extra Credit Card Payments

Aug 25, 2019 by

When you send your credit card issuer more than the minimum payment, how does it apply the ‘extra’?

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Your Debt Story Here!

Aug 19, 2019 by

I’m collecting ‘debt stories’ for publication on Money Counselor through a regular series. Do you have a story, whether good, bad, or ugly?

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