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1). 5 Ways To Reduce Bill Payment Anxiety One repeated source of financial stress and anxiety for many people is the monthly payment of their bills. A friend of mine refers to his monthly dilemma as having too much month at the end of his money. 2). A Divorce Glossary Divorce lawyers and law firms can provide a great deal of divorce information and divorce advice; but sometimes, all that legal jargon can be confusing to say the least, not to mention intimidating. Getting a good, low cost divorce settlement requires planning and research. 3). A Financial “To Do” List for Engaged Couples Engagement can be a hectic and overwhelming time for all parties involved. However, by setting a wedding budget and by creating a long-term money-management plan, you can ensure that you will start off on the right foot. Follow these steps for a good marriage preparation: 4). A Second Mortgage Vs. A Home Equity Loan If you own your home and need a loan for whatever reason you have probably considered a second mortgage or a home equity loan to help you pay your bills, buy a new car, or pay for some other investment. 5). Alternatives to Bankruptcy Instead of filing for bankruptcy, there are other options you can pursue. Here are three alternatives to bankruptcy. 6). Are You Financially Prepared to Have a Baby? Perhaps you are a newly married couple doing some family planning, or you may have just discovered that you have a little “surprise” coming your way. Whether you are barely trying to get the hang of marriage and money management, or if you’re simply looking ahead to a future with a baby in it, a little financial planning will go a long way once your bundle of jubilation comes along. 7). Bad Credit Does Not Mean You Are A Bad Person Have you recently applied for a loan only to hear the dreaded word denied? This type of situation is one that can be devastating. It doesnt mean you are irresponsible or shirk your bills. Regardless of the stigma attached to a low credit rating, there are probably logical reasons for your less than flawless credit. Still, the damage has been done. Now its time to fix it. If you follow some simple credit repair tips, you could be on your way to mending your credit. 8). Bankruptcy - All About Chapter 7 Bankruptcy The most common type of Bankruptcy that is filed for is Chapter 7 Bankruptcy. This is a liquidation bankruptcy rather than a reorganization bankruptcy. This means that assets will be sold to clear the debt or debts. 9). Bankruptcy: Why the Different Chapters This article provides an explaination about the different bankruptcy chapters that an individual can file as well as when you should file each. This is very helpful when trying to determine if you should file bankrptcy as well as if you should even file bankruptcy. 10). Becoming One Financially When we think of marriage, most of us like to be romantic about it. Marriage brings images of engagement rings and a big white triple-layer cake. Nobody wants to talk about money management, prenuptials and other financial matters. 11). Borrowing on a Credit Card One of the easiest ways to borrow money of a financial institute is to use a Credit Card, available from all banks, building societies, and other financial organisations. The choices available are enormous, with a wide variety of interest charges, annual charges, loyalty schemes, and bonus points available. 12). Bringing Debts into a Marriage Are you a credit card junkie? Credit card debt can often be a big, deep, dark secret for someone preparing for marriage. 13). Can Debt Consolidation Make My Financial Position Worse? Debt consolidation is one of the best ways of reducing debt. Your monthly payments become much lower and this will give you more disposable income. Unfortunately, debt consolidation can also make your position much worse. The reason debt consolidation can be bad is you. 14). Cash Rebate Credit Card Cash rebate credit card offers allow you to get a cash rebate every time you use your credit card. More and more companies are beginning to offer cash rebate credit cards, as customers like the idea of getting something back every time they make a purchase. 15). Casinos, Casino Cruises, Internet Gambling and the Debt it Inflicts Debt due to gambling is a very common problem in the US dues to the casinos, casino cruises, as well as internet sites dedicated to gambling. Here are a few options you can choose from. 16). Celebrity Endorsed Gambling By glamorizing Las Vegas and celebrity poker is only fueling the fire of what could lead into a disastrous gambling debt. Now that society has glamorized gambling, we typically want to be a part of it. How to get out to debt due to gambling. 17). Chapters 7 and 13 Bankruptcy Laws The new changes made to bankruptcy laws 7 and 13. Important in determining whether to file bankruptcy or what chapter to file. 18). Child Support How Does it Work? Child support is a court-ordered financial contribution paid by the parent who does not live with the children to the parent who does live with them. Each state has its own formula for calculating the correct amount that is paid for child support; however, the judge can deviate from the formula if it is deemed necessary. 19). Choosing a Mortgage A mortgage is probably the single largest loan that most of us will have in a lifetime, and choosing to commit yourself to one can be a scary notion. There is very little else that can lay claim on your life for twenty years or more - though a mortgage is probably cheaper than having kids! 20). Convenience of Online Gambling and the Debt it Creates The Internet creates a new isolation for online gamblers, and poses a serious threat to your self-awareness and judgment 21). Credit Card Blues For the average American family, debt, and especially credit card debt is spiraling out of control at a record pace. The average household credit card debt has risen dramatically from $3000 in 1990 to over $8000 today. 22). Credit Counseling Expect More Out of Credit Counseling Credit counseling is more than just an agency taking a monthly payment from you and sending it to your creditors. If that were the case there wouldnt be a need for the word counseling in credit counseling. 23). Credit Counseling: What to look for There are many things you should look for when determining to use a credit counseling compnay, there are also things you should be cautious about. Credit Counseling: What to look for, will give you some helpful hints for this process. 24). Credit Repair: Improve Your Credit Rating In todays world of financial credit it is of the utmost importance that you have a sound credit rating, or score, as this is the benchmark that all financial institutions use to determine whether they will advance you credit. 25). Dealing with the Stress of Divorce Any life transition can be stressful; and of all the stressful situations life puts us in, coping with divorce is one of the most difficult of all, particularly when you find yourself trying to juggle everyday activities with your child and divorce proceedings. It can, indeed, be quite a mental and emotional challenge. 26). Debt Consolidation- What to Look For Steps in helping to find the right debt consolidations company. Information in shopping for the right company as well as what to look for in the company itself. 27). Debt Management - Is It the Right Choice For You? Debt Management plans offer credit counseling clients a different and new approach to tackle their finances. Finding out if a debt management plan is right for you can take some time. However looking into the pros and cons now will help you know if entering into a debt management plan is right for you. 28). Debt Relief or Bankruptcy When you have severe debt, there are usually two options, enlisting the services of a debt relief organization or declaring bankruptcy. They can help consolidate your credit card bills, tuition loans, and medical bills all into one monthly payment that you and the debt relief organization set together. If you are in debt this is an excellent way to reduce your debt. 29). Divorce - How to Survive Financially When considering divorce and its financial consequences, it may at times seem hard to believe that anyone can survive it. Vengeful wives have been known to max out their husbands’ credit cards prior to a divorce settlement and deadbeat dads have been known to refuse to pay alimony and child support. The consequences can be devastating and nightmarish. 30). Divorce Mediation A Relatively Speedy and Low Cost Alternative Is it possible to have an easy divorce? A low cost divorce? Or do all divorce settlements necessarily end in hard feelings and financial ruin? The truth is that divorce can be low-cost and easy… or it can be a long ordeal that can drag on for months. 31). Divorce: In any divorce, financial matters can be the stickiest issue for couples to get around. When you carefully consider all of your debts without bias or hard feelings, the both of you can eventually reach an agreement that is fair to all. 32). Do You Have A Gambling Addiction? How to tell if you have a gambling addiction. Who is affected by a gambling addiction. How to over come a gambling addiction. 33). Five Rules to Consider Before Filing Banckruptcy Five different rules to consider when trying to decide if filing bankruptcy is the right move. If bankruptcy is the right move, which chapter should you file? 34). Five Steps Before Filing Divorce Getting a divorce can be stressful and full of situations that are tremendously challenging. Without having some kind of divorce support, it becomes tempting to avoid dealing with it altogether, leaving the prospect of staying in an unhappy marriage as a festering thought in the back of both of your minds. 35). Four Easy Steps of Credit Counseling What to expect once you have found a credit counseling service you are comfortable with. The steps the counselors will take to help you feel comfortable and determine the best method to help you. 36). Gambling Debt, You are not Alone How you end up in debt and the steps that need to be taken to get out of debt. 37). Get Out of Debt Five easy steps to get out of debt and help rebuild your credit. 38). Get out of Debt-Military Debt Relief Don’t let the easy access of obtaining credit cards drive you in debt. Often time, people take advantage of the easy access to credit cards and run up a large total with not having any plan or money to pay it off. The interest rates are usually high making it more difficult to pay off. 39). Hiring a Financial Advisor When hiring a financial advisor you dont want to simply hire someone who looks like they know what they are doing, but rather a financial advisor that knows what they are doing and has proof. 40). How to Get A Divorce While each person’s situation is unique, there are steps to follow that are common to all in the event that you and/or your spouse decide to file for divorce. Here is some general divorce advice: 41). How to Make a Budget Starting out as a married couple often means going through some tight times. In this case, it may be a good idea to create a good budget that works. It is actually very simple to do, even simpler if you have a joint bank account. 42). How Your Personal Credit Affects Your Chances of Getting a Business Loan Your business idea first begins with a dream, and then extends to a passion. The passion to do what you love leads you to need financial assistance. Having the means to expand on your passion will bring hope to your livelihood. 43). Is There A Way Out Of Your Debt Problems? Do you have multiple debts? Do you have just one large debt which you could afford, but your circumstances have since changed? Are you finding it harder each month to meet the payments on your debts? 44). Keeping Your Own Money NOT Handing It Over To The Taxman. Most people trying to make a crust online (or offline for that matter) are so focused on doing just that, they ignore taking simple steps to ensure that they hang on to just as much of it as they can. Instead, they hand over large lumps of their hard-earned money in tax, usually in one of two mistaken beliefs. Either: 45). Know Your Debt Consolidation Options Nobody likes being in debt or the additional stress it adds to their life. Additionally, most individuals have some form of debt that is weighing heavily on them and they simply want to get rid of it. 46). Learning To Save Money Everybody wants to save money, but most people think it is too difficult and their lifestyle requires them to spend what they are currently spending. However, there are many small changes you can make that do not adversely affect your lifestyle and will save you a great deal of money throughout the year. 47). Life After Bankruptcy What to expect after filing bankruptcy, how to live with bamkruptcy, and other information you need to know. 48). Life on a Debt Management Program (DMP) Aspects to consider before committing to a Debt Management Program (DMP) as well as what to expect while in the DMP. 49). Like it or Not, Finance Matters, a Lot Finance. We hear that word thrown around quite a bit and used in phrases like in the world of high finance or financing options are available for those who qualify, but what does it really mean? 50). Making A Credit Card Work For You A considerable obstacle standing between many Americans and the consumer goods they consider a necessary or desirable part of life is a ready way to pay for them. From a new piece of furniture to a car or even a house an age old problem stands in their way: MONEY or rather how to get hold of it. Browse Pages: 1 [2]