When you are trying to further a business, you need cash flow. If you don’t have the money you need to expand the business and continue to grow, the business will likely fail. That’s why a lot of people gravitate toward business loans to keep the cash flow moving, but many fall into the trap […]


Many people think that there are more storefronts or online payday lenders as compared to well-known food and coffee joints like Starbucks and KFCs operating throughout the United States, frequently known as the Land of Opportunities. Way back in the year 2016, the payday lending industry was already an 89 billion USD worth industry. Despite […]


Whether you want to take out a mortgage or sign up for a pay-monthly mobile phone, having a good credit score could boost your chances of success. Building up your credit rating is simple when you know how. 1. Make sure you’re on the electoral role If you’re not registered to vote, you could find […]


No matter how hard we try to keep ourselves out of debt, one simple financial emergency or a bad month can lead to more debt than we know how to deal with. While unsecured loans could provide a much-needed solution in a financial emergency, being able to effectively pay it back in time is a […]


Smart Ways to Use Online Loans

by on November 15, 2017

If you are in an emergency that requires money, an online may be the lifesaver you need. Unlike traditional banks, online lenders usually do not check your credit score or require you to have a guarantor or collateral. The process of applying for an online loan also eliminates the bureaucracy and paperwork of traditional banks […]


Finding a loan is a lot like finding a job. The more you need it the harder it is to get one! And just like finding a job, it’s important that you look in the right place and find the right type of loan for you. The first step in finding the best loan for […]


Borrowing is a part of the average American’s life. You get a loan to buy house, a car and go to school. Many also borrow for TVs, furniture, appliances, vacations, remodels and practically anything else. A mortgage or student loan isn’t a big deal is it? Everyone finances this kind of stuff, right? Most do […]


As consumers, we think much more about comparing products rather than comparing methods of payment. Cash, debit cards and credit cards are seen as interchangeable when stopping for gas or buying food. This assumption is common among most consumers because retailers have made buying with cash or card incredibly easy. For example, we can swipe […]


Looking for a new set of wheels? Buying brand-new can be a punch in the pocketbook, since a car depreciates around ten percent as soon as you drive it off the lot and about a quarter of its original value after two years. However, used cars worry some wary customers. Is the previous owner knowledgeable […]

{ 1 comment }

Most people don’t plan on getting in debt, and nobody plans on getting in so much debt that they can no longer handle their payments.  However, life happens and between our bad choices, our rationalization of choosing debt, bad luck, and unforeseen circumstances, many of us find ourselves in more debt than we know what […]


Three Things You Need When Buying a House

October 10, 2013

If you’re buying a house, furniture and decorations may top your list of things to pick up from the store. But although these items are important in creating a nice cozy feel, these aren’t the only things to worry about when purchasing a new place. Important actions must be made to ensure that you are financially […]

Getting Financial Help Through Bankruptcy

April 25, 2013

Financial help is something almost every person needs once or twice in their lifetime.  If you’re lucky, the type of help you’ll need will be finding money to finish college or a family loan to help you buy your first home.  Unfortunately, for many people, financial woes get much worse, often ending in bankruptcy. While […]

Know Before You Borrow: Using Student Loans Responsibly

February 13, 2013

What’s the most important part of college prep? Standardized tests like the ACT, the SAT, or Advanced Placement are key. So is learning to do your own laundry. But the most important in the long-term:  a student heading to college must consider the financial implications of doing so. Few Americans can afford to pay for […]

Get The Debt Snowball Rolling

November 10, 2012

The term “debt snowball” could describe how debt builds up; a little bit becomes a little more and soon it’s rolling downhill, out of control and growing as it goes. However, it actually refers to a debt repayment strategy championed by financial guru Dave Ramsey. This method focuses on paying off the debts with the […]

The Number Worth Thousands (and it’s not the lottery)

October 30, 2012

There is a magic number that can mean thousands of extra dollars in your pocket. It tells strangers something about you, but it’s not your income, your monthly spending, or your date of birth. It’s your credit score. It tells credit card companies, car dealers and bankers whether or not to loan you money and […]

Get Better Sleep by Paying Down Debt

October 10, 2012

People in debt can find the problem all consuming. Debt can cause stress for you on a personal level and put a wedge between people in a relationship. Feelings of guilt and anger about debt can lead to sleepless nights and depression. Some people don’t mind being in perpetual debt and can take it in […]

Debt Paying Tactics

September 30, 2012

You are engaged in a war with a persistent and powerful enemy: Debt. Credit card debt, home mortgage, student loans or a combination of those can be a vicious enemy. You need a plan of attack, a strategy to tackle this nemesis. Here’s your playbook; which approach you take matters less than which approach you […]

How To Control Debt

September 7, 2012

Having debt is something that countless Americans face on a daily basis. While being in debt is not always crippling, accumulating debt certainly is. If you have any debt at all, or are planning on making a financial move that will likely put you in debt (such as going to college or purchasing a home) […]

5 Reasons to Get a Credit Card

August 29, 2012

Credit card debt in the US totals just under $800 million among 176 million cardholders. Credit cards are painted as the bane of financial security and the ruin of your credit score. However, like most fairy tale villains, credit cards are not all bad. When used responsibly over time, credit cards can be a benefit, […]

Do It Yourself Debt Management – Your Surefire Way Out of the Debt Cycle

July 9, 2012

If you’re worried about your soaring debt amount, you need not fret as you can control them and stop them from rising with little dedication and prior planning. Though there are debt reduction agencies that can offer you with professional help and assist you in reducing your debt burden, yet what’s the use in paying […]

Everything About Bankruptcy Simplified

July 6, 2012

Generally speaking, the term “bankruptcy” brings to mind either a loser at Monopoly or an individual admitting failure to manage his or her own money. It doesn’t have to imply a catastrophe or personal carelessness with money. Choosing to file bankruptcy is a conscious decision to repay debts in a manner accepted by both debtor […]

Should You Refinance Your Mortgage or Not?

July 4, 2012

The question can be a balancing act of fees and costs of refinancing versus the savings achieved through a change in interest rate on your debt. It can be a matter of readjusting the length of your mortgage to reflect major changes in household income. In the case of a decline in market interest rates, […]

Reverse Mortgages Simplified

July 2, 2012

A reverse mortgage can help retirees who need cash for living expenses and have sufficient home equity. What does that mean? A mortgage is simple, but what is the “reverse” of it? When does it end? Essentially, a reverse mortgage converts home equity into cash. No payments are due as long as you stay in […]

Four Credit Card Fees to Avoid

June 27, 2012

As the credit card industry gets revamped, courtesy of the government trying to protect consumers, new credit card fees are on the rise, and the credit card companies are sticking them to you as often as they can.  Here are four fees that are very common and should be avoided if possible.  Often, if you […]

How Hard Money Construction Loans Work

June 18, 2012

If you’re trying to figure out more information about hard money loans, chances are you are looking to get some type of construction or bridge loan.  That’s because hard money construction loans are really only a temporary solution to funding a property or construction project.  Here is a quick and easy way to learn and […]

Choosing Which Loans to Pay Off First

May 18, 2012

Sometimes the hardest part about debt is figuring out which loans to pay off first.  The best way to deal with this issue is to learn and follow a few simple rules.  These rules help you prioritize your debt based on a few different factors. To start, make a list of all of your loans […]

How To Quickly Eliminate Debt (Credit Cards, Loans, You Name It)

April 30, 2012

Whoever said that eliminating debt is a process was wrong. Eliminating debt is work and hard work at that. To eliminate it completely and quickly can be even more difficult if you don’t break it down into steps. From a broad view point, the pace at which you follow the steps listed below determines the […]

Don’t Let Your Credit Card Take Advantage of You Like Mine Did

April 23, 2012

Like most people, I have several credit cards that I use for different purposes. A Target card that saves 5% on all purchases from Target.  A Costco AMEX card saves at Costco and restaurants.  A Citibank card that I use when they don’t take AMEX.  And, the card I’ve been using for years, the Blue Card from […]

Why People Use Hard Money Loans

October 26, 2011

In years of experience with loans, we’ve never actually seen or heard of anyone getting a hard money loan.  I guess that’s because they’re not commonly used.  At least not in our circle of investors.  In general, hard money loans are used to help finance real estate, and are often used when other credit is […]

What Makes a Good Credit Score?

October 14, 2011

The only fact about what makes a good credit score is that no one actually knows how it is calculated.  While the formula is seemingly top secret, there is at least agreement between experts as to what attributes of a credit report lead to higher credit scores.  Here is a list of important credit attributes that we believe […]