There can be many reasons to consider filing bankruptcy. Most commonly, people are forced to file due to job loss, divorce, or medical problems that result in expenses that exceed coverage by medical insurance. Often such financial calamities result in past-due, unpaid income tax, among other debts. In certain very specific circumstances, unpaid income tax…
You’ve been at the same company for quite some time now. You know you’ve put in the hard work required for a pay increase, but you’re not sure if it’s appropriate to ask for a raise. This is a common dilemma that many employees have. We all need more money, especially as the years go…
Everyone in this world could benefit from hiring a financial advisor. Their insight into what you should do with your money could set you up for life and ensure that you never have to worry again. However, for many, hiring a financial advisor is cost-prohibitive. There are some times in your life when you should…
If you are paying off monthly dues from your credit card bills, student loans, and car loans, then you’re not alone. In fact, according to the latest record of household debt and credit from the Federal Reserve Bank of New York, the total household debt as of the third quarter of 2019 rose to $13.95…
Spending habits are learned throughout your life either by necessity or by watching how your parents spent their money. Learning to be responsible with your spending and financial habits can take some focus and practice. Many people, in the race to keep up materially with their neighbors, are living well outside of their means. It’s…
So you’ve just signed on the dotted line for your new car. You can’t wait to take it for a spin when you suddenly hear Dad’s nagging voice in the back of your head, saying: remember to get your auto insurance or pay a hefty penalty! Who needs auto insurance anyway, you think to yourself.…
Exiting the workforce and working for yourself is a huge accomplishment. It doesn’t matter if you decide to start your own business or you go freelance, it will have a huge impact on your life. That includes your finances. Having enough money is always important, but it’s especially important when your income is completely dependent…
A private money lender is one who provides secured short-term financing for the purchase, construction, and renovation of properties. Private money lenders are not institutionalized, meaning they don’t have a predetermined location where it is easier to find them. In fact, private money lenders, also known as hard money lenders are untraceable. You have to…
