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© Norine Peardon, September, 2009

Unfortunately, banks are aware of the poor spending habits of its customers, and have really sucked people in, thinking a debit card serves them well.  For the record, debit cards can be real evil;  I have not discovered the good!

In the “old days”, banks charged their customers sometimes just a monthly fee on a checking account and sometimes, a fee per check, and sometimes, both.  Slowly, due to competition and needing depositors, “free checking” was incorporated into the banking industry.  Read more... (599 words, 15 images, estimated 2:24 mins reading time)

If you’re looking for information on how to fix your credit score, two things are pretty likely:

1)  You have bad credit, and it’s been that way for a while.
2)  You’re shopping for something big like a car or home, but your bad credit is getting in the way of your ability to make the purchase.

Now you’ll start on your credit repair adventure, and if you persevere, you’ll wind up on a path to greater prosperity.

The reasons for having good credit should be obvious, but I’ll go over some of the main points:  Read more... (603 words, 14 images, estimated 2:25 mins reading time)

T. Harv Eker

Have you heard about T. Harv Eker?  If not, you should have!  He became a millionaire in only two and a half years, using the principles he now teaches to others. He founded Peak Potentials Training to help other people follow in his footsteps.

I was skeptical about Eker’s claims when I first encountered them.  After all, it seems like it’s impossible to do this well in such a short time.  Then I heard about the principles behind his methods.

Many people don’t realize that you should maintain good credit or repair your credit to raise your credit score.  One advantage of raising your credit score is lenders will present you with lower interest rates when buying a car or a home.  Insurance rates can be less costly as well.  Being offered  a job may require you to have good credit.

A poor credit report is caused by making late payments on your credit cards, accounts that are have been turned over to collection agencies and bankruptcy.   If you want to fix your credit score, you must change your habits. If you can change your habits over time your credit score will start to improve.  Once it does, you will start to see lower interest rates offered by lenders and  better credit card offers.  Read more... (501 words, 14 images, estimated 2:00 mins reading time)

It is always important to stay on top of the game and know as much as you can when it comes to something like your finances.  Hopefully you’ll never have to face bankruptcy in your lifetime.  You should be aware of the consequences and laws because it is a very serious situation.

You always need to stay up to date, as there are constantly new requirements and laws being passed that change the composure of bankruptcy and what is involved with it, and this is better known as bankruptcy law reform. The bankruptcy law changes from  state to state.  If you relocate or move to a new areas you will need to know the differences.  A tax advisor or financial advisor would be knowledgeable in this respect.  Read more... (436 words, 14 images, estimated 1:45 mins reading time)