What Are Drug Per Se Laws In DUI Cases?
Why are people so worried about getting a DUI? Apart from the negative connotations, fines and potential jail time, a DUI can put a huge damper on your finances. There is a bit of a misconception that a DUI can affect your credit score. However, a DUI doesn’t affect your credit score directly. Instead, the…

Today, borrowing money has become a part of everyday life and most people that you speak to will have some sort of credit, whether it be a credit card, a car on finance, a personal loan, or even a smartphone contract. However, paying off several debts, along with making sure that you have enough money…

The Great Recession is officially well behind us. But, millions remain paralyzed by the debt that followed. CBS News reported, “The mounting pressure to pay bills is leading to an increase in debt-prompted, stress-related illness, experts and surveys say.” Debt is producing PTSD-like effects. It raises the heart rate and blood pressure. It increases risk…

The Best Financial Tips For Fresh Grads
There is no more exciting time in your life than graduating from college and going out on your own. I remember when I first stepped out into the world, feeling like I was now truly able to take charge of my life.  You are finally completely independent, and you can start to make decisions for…

Commonly overlooked factors when choosing a home loan
As the mortgage lending industry becomes more and more competitive, lenders have started to offer ingenious, complex and sometimes downright confusing loan structures. That’s right folks, structure is one of the most overlooked factors when choosing a home loan.  Typically, the basic differences are clear to most of us lay people. We usually look at…

Many of us who worry about our credit know this simple fact: qualifying for a new loan is never a given. Having a poor credit history, low or inconsistent income can be a massive barrier to getting a new loan. While I would often advocate borrowing from friends and family for small loans, sometimes the…