Debt Collectors Cruise Faceboo...

Oct 19, 2020 by

Debt collectors are among the most creative, diligent, and slimy creatures on the planet. No surprise they’re now stalking their prey through Facebook and other social media.

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How to Tap IRAs Early

Oct 12, 2020 by

You’re years from that magical age 59-1/2 when the IRS would stop penalizing you 10% for an early withdrawal, but you’re itching to get at your IRA nest egg. There’s an option you may not know about: Substantially Equal Periodic Payments.

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3 Top Money Wasters

Oct 5, 2020 by

Are you spending as if you want to retire early?

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Credit and Home Insurance

Sep 28, 2020 by

Think your credit rating doesn’t matter unless you borrow money? Think again. Example: South Dakotans with poor credit pay 288% more for home insurance.

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Why the 4% Rule Fails

Sep 14, 2020 by

Want to go back to work in your 70s or 80s? Here’s how following the 4% rule can easily lead to retirement financial disaster.

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It’s Not About the Latte

Sep 8, 2020 by

Do these 5 crucial steps to build your nest egg and drink all the lattes you want.

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When You Pay Matters

Aug 31, 2020 by

This may surprise you: A habit of paying off an entire credit card balance on the due date may be dinging your credit score.

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14 Steps to Get Ahead

Aug 24, 2020 by

Frustrated by a chronic paycheck-to-paycheck lifestyle? Take these 14 steps to get on the saving track.

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Getting Rid of PMI

Aug 17, 2020 by

I’d almost rather flush cash down the toilet than pay private mortgage insurance, or PMI.

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Financially Survive the Pandem...

Aug 8, 2020 by

While the national leaders Americans elected shoot spitballs at each other, you’ve got bills to pay. If your income has been slashed, we hope temporarily, by the government shutdown, you need a plan to keep your head above water. Here it is.

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100 Words for Better Credit

Aug 3, 2020 by

If your credit report is tarnished, you’ve got the right to add a 100-word statement of explanation or argument.

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Stay Away From Here!

Jul 27, 2020 by

If you see a place that looks like this, think of it as staffed by people with a highly contagious, always lethal disease.

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Please Ignore!

Jul 13, 2020 by

What’s the worst sort of advice? “Standard” advice. Here are 3 pieces of standard financial advice best ignored.

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Credit Repair: Always a Rip-Of...

Jun 29, 2020 by

Is your credit report blemished? Are you considering cosmetic surgery? Don’t waste your money please.

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“Charged Off” Debt...

Jun 22, 2020 by

After you declined to make any payments for six months, your credit card issuer “charged off” your debt. Are you off the hook?

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Can’t Make Minimum Credi...

Jun 15, 2020 by

Short of cash to make all of your minimum monthly credit card payments? Don’t panic. Here’s how to do the best you can with what you have.

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Paying Debts in Collections

Jun 1, 2020 by

If you have a debt in collections, life can get ugly. The last person from whom you want to take advice about how to resolve the debt is a debt collector. Instead, form your own plan based on your situation and aggressively attack the debt.

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Does Repossession Cure Debt?

May 25, 2020 by

Let’s say you’ve been laid off or suffered other bad luck, and you can no longer afford to make both payments on your two cars. Would turning over a car to its lienholder and walking away solve your problem?

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Considering Bankruptcy?

May 18, 2020 by

You may know that filing bankruptcy will crush your credit for about a decade. But if you’re considering bankruptcy, do you know that the timing of filing can make or break your plan for a fresh financial start?

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Underwater Car Loan?

May 11, 2020 by

Will the boom in subprime auto lending turn into another economic meltdown?

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Installment Loan Money Trap

May 4, 2020 by

You know payday lending is designed to entice you into very costly borrowing. So-called “installment loans” are just as nasty and can suck money out of your pocket faster than a $10 minimum blackjack game.

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Will You Be Sued?

Apr 27, 2020 by

The debt collector’s ultimate weapon is a lawsuit. But not all debtors are “suit-worthy.” If you’re past due on a debt, how can you judge the likelihood that a collection agency will follow through a threat to sue you?

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Send a Cease & Desist Let...

Apr 20, 2020 by

You have the right to force that nasty debt collector to stop contacting you. But doing so might have even nastier consequences.

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Need Cash? Pawn Something.

Apr 13, 2020 by

You may not identify with the stereotype of one of those people who pawn belongings. But if you need cash urgently and don’t have an emergency fund, pawning something isn’t your worst option. So maybe you should be one of those people.

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