Latest debt management articles
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Strong evidence exists that credit counseling affects consumer credit usage and payment behavior in a positive way. Borrowers who received this form of budget/financial counseling reduced their debt and improved their credit profile over three subsequent years, compared to similar borrowers who did not receive counseling. |
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PayCycle has earned PC Magazine's highest rating. SurePayroll is a very close competitor, but PayCycle is stronger in areas like setup, reporting, and price. It provides a clear processing path from start to finish and does so in great depth and with the needed flexibility. The good: Easy for beginners; inexpensive; good employer controls for tax payments; files tax forms for the feds and for 22 states electronically; useful for restaurants and contractors. The bad: Can't import data from QuickBooks or other accounting apps. The bottom line: PayCycle serves businesses with an affordable, easy-to-learn online payroll system. |
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Identity theft is the fastest growing crime on the planet. Protecting your personal information is becoming more and more important. Learn how to protect yourself from identity theft. |
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The best reason to get a small business credit card is for separating your personal finances from any business related finances. Once you have a small business credit card, you can start making all of your purchases via Internet, phone, or in person. Business credit cards are accepted virtually everywhere, which is great for those who need equipment or supplies in a hurry. |
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A lot of companies and banks that offer student credit cards will normally need a co-signer as a form of insurance or collateral. This person will sign on the loan with the student, and will be the person the company falls back on if the student is unable to pay the bill. Normally a parent or guardian, the co-signer is considered to be back up and a peace of mind for the issuer of the student credit card, but if you are the co-signer, BEWARE, because your good credit will be affected and you will have to pay if the student can’t. |
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Air mile credit cards give you points or miles with every purchase you make, which you can redeem for traveling related expenses. In most cases, you can use your points or miles to get a free airline ticket to travel to a destination of your choice. Frequent flyers can use credit cards that offer miles or points to purchase their other flights to redeem the reward even faster. |
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Credit card holders should be aware of the hidden costs that come with credit cards, and could easily end up paying thousands of dollars by the end of the year - and not even realize it. If you have a reward credit card, your rewards could easily be destroyed by these hidden costs. Credit card users should check out credit card offers very carefully before signing their contracts. |
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Each and every year, many of us go on vacations. Vacations are a great way to relax, and get away from the everyday pressure of life. Over half of all American families take their vacation between April and September, meaning that they spend a lot of money on travel. Whether it’s international or domestic travel, you can spend a fortune before you actually realize it. |
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To avoid late payment fees and possible interest rate increases on your credit cards, make sure you send in your payment a week to ten days before the statement due date. Late payments on one card can increase fees and interest rates on other cards. |
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Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage. |
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