Beware of Title Loans

A title loan (also known as a title pawn) is another means for people with bad or no credit to access a quick cash advance. This can seem like a great option for those that are in need of cash quickly, as there may be no credit check and the application process is typically short.…
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Understanding FICO Scores

FICO is short for Fair Isaac Corporation, named after the organization that created the method on how your credit rating is scored. There are three FICO scores used by three US credit reporting agencies: Experian, Equifax and TransUnion. FICO scores range from 300 (the worst) to 850 (the best). This score is more than just…
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When Your Needs Change, Can You Change Your Structured Settlement?

Does this sound familiar? You are the recipient of regular payments through a structured settlement.  The terms of the settlement plan met your financial needs when you first agreed to it. However, times have changed and your current financial situation may require more money now than your settlement can provide. Perhaps you are now encountering…
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Bankruptcy: The Last Resort

Bankruptcy is a financial tool of last resort. While it may seem like an attractive way to eliminate debt, stop the harassing collection calls, and financially “start over”, declaring bankruptcy will have an impact on your life for years. It’s important to understand how bankruptcy works and what declaring bankruptcy means for your future. Chapter…
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Deciding Where to Buy Your Home

You probably have a good idea about where you want to live—the state, the city, and the town, maybe even the neighborhood. Choosing your home’s location involves many considerations: Do you prefer an urban, suburban, or rural environment? Do you want to be close to family or work? Is public transportation easily accessible? Does the…
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If You’ve Ever Hoped for a Better Life, Listen to This

One thing we never get tired of hearing is a story of hope renewed, and dreams coming true—especially at this time of the year.  Meet married couple Zach and Heather. Zach is a drummer and Heather is a school teacher. Zach had a structured settlement that was due to pay out some 20 years down…
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Improving Credit Easily Through a Few Simple Steps

Is there any three digit number quite as important as a credit score? Companies pore over it, lenders base interest rates on it, and people stress about keeping that number as high as possible. Whether you’re trying to purchase a home or rent an apartment, your credit score is a major factor in how “generous”…
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One Thing We Never Get Tired of Hearing…

…is a heart-warming comeback story like that of June. June was receiving money from a personal injury claim that was settled a few years ago. She was severely injured in a car accident on a rainy day in Florida when a tractor trailer lost control and struck her vehicle. Her determination helped her recover, but…
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Should I Pay Off Debt Or Save Money?

So you have a little extra cash on hand at the end of the month—should you use it to pay down credit card debt, or add it to your savings account? The answer depends on a lot of factors unique to your personal financial situation. To make the right choice about what to do with…
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Tips on Buying a New Car

When buying a car, the best defense is a strong offense, which in this case is supported by all the information available on the Internet. You can learn the approximate value of any car fairly easily with a few visits to manufacturer’s websites, discount superstores, and independent car buying services, like Edmunds and Kelly Blue…
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