Decoding Credit Card Offers Using The Schumer Box

The Schumer Box was coined after Charles E. Schumer, the government official who aided in passing legislation in 1987 in order to shield consumers from out of line credit card practices. The Schumer box is composed of standardized disclosures that are clear and relevant for people to read and fully understand. It is required that they be on all financial records and incorporated into interest rates, terms and conditions, rate calculation and annual fees. With this available data, shoppers have the knowledge necessary in order to look into rates and terms from all credit card offers before they determine the…

   

How to Rent Your First Apartment with no Credit or Cosigner

As students receive their diplomas and a handshake welcoming them into the real world, the dilemma of where to live after college befalls many. The majority of recent grads do not want to resort to living in their parent’s houses after graduation, but in order to live on their own they must get approved for a house or apartment. Having a solid credit history is important for many reasons including cell phone contracts, credit accounts as well as renting an apartment. However, if you are a recent grad without a solid credit history all is not lost.   Rent Your…

   

Steps to Ensure Your Bad Credit does Not Cost You a Job

Do you have something in your financial past that you’d rather not have your boss see, such as bankruptcy, proclivity or bad credit from spending money that you don’t have? Unfortunately, that means that going after a promotion or seeking a new job can turn into a tricky task, especially as more and more employers seek to find out about their employees financial past. Many companies look at their job applicants’ credit score as part of their background check. Some may even look at credit reports when considering their employees for a promotion, which means you can’t just assume that…

   

What is a Parent Plus Loan?

Many parents decide to borrow money using a Parent PLUS loan in order to aid them in covering the cost of their child’s education that they’re not able to meet up front. If you’re thinking about this option then it is absolutely essential that you are well aware of all of the metrics of taking out this type of loan and what it means for your child’s education. Parent PLUS loans are a fixed-interest loan that is federally guaranteed to those parents who are credit-worthy and have dependent students. In most cases the loan will not appear on your award…

   

5 Reasons to Use Your Credit Card for Everything

Were you aware that many experts believe that you are actually better of utilizing a credit card, instead of a debit card in order to make every day purchases? Don’t be confused, it is extremely important that you only make purchases that you can afford to pay back right away, and that you’re able to pay off your credit card bill every month. However, as long as you ensure these things then using a credit card instead of a debit card or cash is recommended. Here are five reasons as to why you should choose your credit card in order…

   

Alternative Options to a Securing a Personal Cosigner

Perhaps you need a car loan in order to get to work, and although you know you’ll be able to make all the payments, you don’t have enough of an income or your credit score is too low in order to obtain one. Or perhaps you want to rent an apartment right out of college, but don’t have a steady income yet. A co-signer can solve any problem you have with getting a loan or lease. That being said, it’s reasonable that you don't want to compromise your loved one by asking him or her to co-sign. Otherwise, you may simply not…

   

Recognizing and Dealing with Sketchy Debt Collector Tactics

Every year there are thousands of people that are victimized by fraudulent collectors, and are intimidated by tactics that are extremely abusive so that they often end up paying the debt simply to stop the harassment of themselves, as well as their family, friends and employers. However, even if you fall behind on paying your bills you don’t have to subject yourself to foul play. State laws as well as the Fair Debt Collection Practices Act provides a very strict set of rules that bill collectors are required to follow. It’s critical to keep in mind that you have rights.…

   

5 Simple Self -Credit Repair Tips and Tricks

If you’re recovering from a foreclosure or bankruptcy or just don’t have that great of a credit score then the good news is that there are many things that you can do to increase your score so that you can get back on track financially. Although some of these strategies are intuitive, others many not come to mind so easily. Here are five of the best tips to increase your credit score all on your own.   Don’t Be Afraid to Dispute What’s On Your Credit Report Many people want to avoid any sort of conflict at all costs, while…

   

6 Ways Debt Can Be Used to Your Advantage

Debt gets a bad reputation due to the fact that it tends to cause plenty of financial troubles for the people who are in it. However, if debt is managed well then it can be used as a tool that will allow you to make big purchases that you wouldn’t have been able to afford otherwise. For instance, most people can’t buy a house without borrowing some amount of money. Additionally, debt can be a very useful investment planning tool, as you can borrow money to purchase income-producing growth assets like shares or property in order to increase your long-term…

   

5 States Considering Big Attractive Tax Breaks for Retirees

There are several states that are currently looking into making life easier for those that are entering the golden age of retirement. They are going to be doing this by expanding the tax breaks on Social Security, pensions and various other types of retirement income. Right now, there are lawmakers in five states that are looking into proposals that would make a large portion of retired citizens’ income exempt from income tax. Although retirees already enjoy several great tax breaks from the federal government, such as standard tax deductions and Social Security being exempt from Social Security income, those incomes…

   

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