Your Kids & Credit – Part Two:  Where To Start It's The Little Things. When kids get into the first grade, they are introduced to coins. They are taught their amounts, how to count coins, and what combinations of coins equal a dollar. Addition and subtraction are also studied, and the beginnings of multiplication and

Your Kids and Credit – Part One:  Where To Start As a responsible parent, it is important to teach your kids about the wonders and pitfalls of money management. But if you are in financial trouble yourself, how do you teach your kids anything that will have meaning for them? Remember, just because you are

As we near Father's Day of 2013, I'm thinking of my dad at the same time I am thinking about my son who is a dad.  How different they are from each other.  Although my dad passed on several years ago, I till remember the way he was.  When my dad passed away, he did

If you have ongoing debt problems, you probably are getting creditor or collector phone calls to your home, office, friends or family…which can be a real bummer. I'll bet you didn't know those collector calls can mean gold for you.  It is probable that one or more collectors are violating your rights.  The only way

  If you paid cash for everything, you would have no credit history. If you have no credit history, you have no credit! Use of credit is important to developing a great credit score. But you must follow the guidelines for keeping it great, which include: 1) keep your debt-to-credit ration under 30% per card

A bankruptcy is a fearsome thing, to be sure. But it also has its place in the financial scene. After two years, the specter of bankruptcy diminishes, as long as your credit payments have been on time since that time. It is important to understand the differences between the types of bankruptcy filings, and how

Let’s face it…you got into a bind.  You needed a quick infusion of cash.  You went to a money broker, commonly called a Pay Day Loan or Cash Advance.  Wikipedia says that the definition of a pay day loan is ‘a small, short-term unsecured loan”, “regardless of whether repayment of loans is linked to a

The business credit and funding suite is the most comprehensive funding system available in the world today.  Through the funding suite, business owners hav unprecedented access to money through thoudsands of finance source. Business owners can build an exceptional business credit profile for their business, qualify for buisness credit, and be approved for business funding

Can I Really Avoid Using My Personal Credit For Loans? Business credit is a wondrous thing.  Most people don’t understand just how wondrous it can be!  Business owners can build an exceptional business credit profile for their business, qualify for business credit, and be approved for business funding as high as 25 million dollars. Don’t

When you are single and apply for a credit card, house or car, you are the only one responsible.  You are the one that affects your credit score…nobody else. When you decide to marry, or team up with someone to apply for joint credit, there are some interesting dynamics you should be aware of.  Everything