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Tag Archives: Credit Cards

100% Cash Secured Credit Cards

Wednesday, February 10, 2010

At one time people were able to walk into a bank with $1000 in cash to secure their first $1000 credit card. Their new card was 100% cash secured which removes most risk from the bank to help someone establish themselves within the financial sector. This seems simple enough right? Today however, times have changed [...]

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Establishing Credit With Four Easy Steps

Wednesday, February 3, 2010

Finding credit needs to be approached as if you are trying to find a really good job. Anybody can fire out a dozen resumes around hoping someone calls them back. Fewer people research the type of job they prefer doing and whom they prefer doing it with. These people are better prepared to land a [...]

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Divorce and Bankruptcy In LA (Dennis and Sandra)

Sunday, January 3, 2010

Dennis and Sandra were married when they were 27 years old (Dennis was 28 actually, and Sandra was 27). Dennis worked in an auto body shop and made a fairly good earning due to the many hours he put in. Sandra also worked – as a checkout girl at the local Wal-Mart. They were never [...]

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Your Spouse, Your Credit Cards, Your Debt, and You

Thursday, December 17, 2009

There will come a time when you apply for a loan and your spouse’s credit bureau report will also be reviewed. The benefit of two incomes also carries with it the prior repayment history of each applicant. Challenge your individual rights to privacy based on marital status, sexual orientation, religion, and other personal information. Question [...]

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Wells Fargo Credit Cards – Right For You?

Thursday, July 23, 2009

Wells Fargo credit cards are not really much different than any other bank’s or lender’s credit cards, except that Well Fargo has a slightly wider selection for cards to choose from. List below are the 7 different cards available today.
Keep in mind when looking at this information in the chart below that you only get [...]

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Assessing Bad Debt + Monthly Budgets [4]

Monday, January 5, 2009

Continued from [3]
Now we need to discuss savings accounts a little bit. You will also find this to be ridiculous (maybe) because I am going to tell you to save 10% of your household income every month into a simple savings account. You may be saying to yourself,

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Debt Reduction and Payment Strategies

Wednesday, December 24, 2008

Using Payment Strategies
When you are looking at ways to reduce your debts quickly and minimize your total interest charges, you may decide to pay your debts off at a faster rate, even though this will temporarily reduce your annual savings. In that case, it is important to look at any prepayment penalties that may be [...]

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Mortgaging The Future to Pay For the Past

Friday, December 12, 2008

Getting out (and staying out) of debt is such an important part of developing your personal finances. The temporary enjoyment of the fancy meals, new clothes, vacation trips, etc., soon disappears when the bills arrive and you don’t have the money to pay them. To make up for your past excesses, you have to consume [...]

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