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1). Can Debt Consolidation Make My Financial Position Worse? Debt consolidation is one of the best ways of reducing debt. Your monthly payments become much lower and this will give you more disposable income. Unfortunately, debt consolidation can also make your position much worse. The reason debt consolidation can be bad is you. 2). Five Rules to Consider Before Filing Banckruptcy Five different rules to consider when trying to decide if filing bankruptcy is the right move. If bankruptcy is the right move, which chapter should you file? 3). Becoming One Financially When we think of marriage, most of us like to be romantic about it. Marriage brings images of engagement rings and a big white triple-layer cake. Nobody wants to talk about money management, prenuptials and other financial matters. 4). Choosing a Mortgage A mortgage is probably the single largest loan that most of us will have in a lifetime, and choosing to commit yourself to one can be a scary notion. There is very little else that can lay claim on your life for twenty years or more - though a mortgage is probably cheaper than having kids! 5). Four Easy Steps of Credit Counseling What to expect once you have found a credit counseling service you are comfortable with. The steps the counselors will take to help you feel comfortable and determine the best method to help you. 6). Child Support How Does it Work? Child support is a court-ordered financial contribution paid by the parent who does not live with the children to the parent who does live with them. Each state has its own formula for calculating the correct amount that is paid for child support; however, the judge can deviate from the formula if it is deemed necessary. 7). Chapters 7 and 13 Bankruptcy Laws The new changes made to bankruptcy laws 7 and 13. Important in determining whether to file bankruptcy or what chapter to file. 8). Life on a Debt Management Program (DMP) Aspects to consider before committing to a Debt Management Program (DMP) as well as what to expect while in the DMP. 9). Bad Credit Does Not Mean You Are A Bad Person Have you recently applied for a loan only to hear the dreaded word denied? This type of situation is one that can be devastating. It doesnt mean you are irresponsible or shirk your bills. Regardless of the stigma attached to a low credit rating, there are probably logical reasons for your less than flawless credit. Still, the damage has been done. Now its time to fix it. If you follow some simple credit repair tips, you could be on your way to mending your credit. 10). Borrowing on a Credit Card One of the easiest ways to borrow money of a financial institute is to use a Credit Card, available from all banks, building societies, and other financial organisations. The choices available are enormous, with a wide variety of interest charges, annual charges, loyalty schemes, and bonus points available. 11). Dealing with the Stress of Divorce Any life transition can be stressful; and of all the stressful situations life puts us in, coping with divorce is one of the most difficult of all, particularly when you find yourself trying to juggle everyday activities with your child and divorce proceedings. It can, indeed, be quite a mental and emotional challenge. 12). Rebuilding Your Finances After Divorce Women Often Need More Divorce Support Than Men Do 13). A Divorce Glossary Divorce lawyers and law firms can provide a great deal of divorce information and divorce advice; but sometimes, all that legal jargon can be confusing to say the least, not to mention intimidating. Getting a good, low cost divorce settlement requires planning and research. 14). Money Management with a New Spouse When a person marries someone with children, there can be some unexpected implications. Marrying into a full-fledged family can be a difficult transition for all, emotionally and financially; therefore, having a money management plan is a necessary part of marriage preparation. 15). Credit Counseling Expect More Out of Credit Counseling Credit counseling is more than just an agency taking a monthly payment from you and sending it to your creditors. If that were the case there wouldnt be a need for the word counseling in credit counseling. 16). Planning for Your Future Military Finances 17). Credit Counseling: What to look for There are many things you should look for when determining to use a credit counseling compnay, there are also things you should be cautious about. Credit Counseling: What to look for, will give you some helpful hints for this process. 18). How Your Personal Credit Affects Your Chances of Getting a Business Loan Your business idea first begins with a dream, and then extends to a passion. The passion to do what you love leads you to need financial assistance. Having the means to expand on your passion will bring hope to your livelihood. 19). Divorce: In any divorce, financial matters can be the stickiest issue for couples to get around. When you carefully consider all of your debts without bias or hard feelings, the both of you can eventually reach an agreement that is fair to all. 20). Credit Repair: Improve Your Credit Rating In todays world of financial credit it is of the utmost importance that you have a sound credit rating, or score, as this is the benchmark that all financial institutions use to determine whether they will advance you credit. 21). A Second Mortgage Vs. A Home Equity Loan If you own your home and need a loan for whatever reason you have probably considered a second mortgage or a home equity loan to help you pay your bills, buy a new car, or pay for some other investment. 22). 5 Ways To Reduce Bill Payment Anxiety One repeated source of financial stress and anxiety for many people is the monthly payment of their bills. A friend of mine refers to his monthly dilemma as having too much month at the end of his money. 23). Types of Collection Agencies Commercial credit collection agencies provide services to the financial sector like banks and financial institutions. The types of debts range from auto loans to credit cards to mortgage payments. These credit collection agencies buy bad debts at discounts from banks, retailers, and auto financiers and then engage in the debt recovery process. 24). The ABC’s of Marriage Marriage and finance A-Z 25). Get out of Debt-Military Debt Relief Don’t let the easy access of obtaining credit cards drive you in debt. Often time, people take advantage of the easy access to credit cards and run up a large total with not having any plan or money to pay it off. The interest rates are usually high making it more difficult to pay off. 26). Bankruptcy: Why the Different Chapters This article provides an explaination about the different bankruptcy chapters that an individual can file as well as when you should file each. This is very helpful when trying to determine if you should file bankrptcy as well as if you should even file bankruptcy. 27). Learning To Save Money Everybody wants to save money, but most people think it is too difficult and their lifestyle requires them to spend what they are currently spending. However, there are many small changes you can make that do not adversely affect your lifestyle and will save you a great deal of money throughout the year. 28). Keeping Your Own Money NOT Handing It Over To The Taxman. Most people trying to make a crust online (or offline for that matter) are so focused on doing just that, they ignore taking simple steps to ensure that they hang on to just as much of it as they can. Instead, they hand over large lumps of their hard-earned money in tax, usually in one of two mistaken beliefs. Either: 29). Life After Bankruptcy What to expect after filing bankruptcy, how to live with bamkruptcy, and other information you need to know. 30). Negotiating a Good Divorce Settlement Divorce can get complicated with all its legal and financial details and disagreements. It’s no wonder that you are seeking divorce help and divorce support. 31). A Financial “To Do” List for Engaged Couples Engagement can be a hectic and overwhelming time for all parties involved. However, by setting a wedding budget and by creating a long-term money-management plan, you can ensure that you will start off on the right foot. Follow these steps for a good marriage preparation: 32). Cash Rebate Credit Card Cash rebate credit card offers allow you to get a cash rebate every time you use your credit card. More and more companies are beginning to offer cash rebate credit cards, as customers like the idea of getting something back every time they make a purchase. 33). How to Get A Divorce While each person’s situation is unique, there are steps to follow that are common to all in the event that you and/or your spouse decide to file for divorce. Here is some general divorce advice: 34). Celebrity Endorsed Gambling By glamorizing Las Vegas and celebrity poker is only fueling the fire of what could lead into a disastrous gambling debt. Now that society has glamorized gambling, we typically want to be a part of it. How to get out to debt due to gambling. 35). Alternatives to Bankruptcy Instead of filing for bankruptcy, there are other options you can pursue. Here are three alternatives to bankruptcy. 36). Preparing for Divorce Court Although it is highly preferable to arrive at a legal separation agreement or divorce settlement through some form of mediation, there are times when a couple cannot reach an agreement and the case simply must go to trial. 37). Pay Off Your Student Loans and Reduce Your Debts Financing a college education is one of the more expensive debts you may incur. Student loans can take years or even decades to pay off. 38). Tips For Saving Money Still living from pay to pay? Or envying those great wealth accumulators and wondering how they did it? Every month you make a resolution of saving some dollars from your paycheck, but only end up breaking it. Looking for some magic formula for saving money? 39). Gambling Debt, You are not Alone How you end up in debt and the steps that need to be taken to get out of debt. 40). Are You Financially Prepared to Have a Baby? Perhaps you are a newly married couple doing some family planning, or you may have just discovered that you have a little “surprise” coming your way. Whether you are barely trying to get the hang of marriage and money management, or if you’re simply looking ahead to a future with a baby in it, a little financial planning will go a long way once your bundle of jubilation comes along. 41). Bankruptcy - All About Chapter 7 Bankruptcy The most common type of Bankruptcy that is filed for is Chapter 7 Bankruptcy. This is a liquidation bankruptcy rather than a reorganization bankruptcy. This means that assets will be sold to clear the debt or debts. 42). Do You Have A Gambling Addiction? How to tell if you have a gambling addiction. Who is affected by a gambling addiction. How to over come a gambling addiction. 43). Divorce - How to Survive Financially When considering divorce and its financial consequences, it may at times seem hard to believe that anyone can survive it. Vengeful wives have been known to max out their husbands’ credit cards prior to a divorce settlement and deadbeat dads have been known to refuse to pay alimony and child support. The consequences can be devastating and nightmarish. 44). Casinos, Casino Cruises, Internet Gambling and the Debt it Inflicts Debt due to gambling is a very common problem in the US dues to the casinos, casino cruises, as well as internet sites dedicated to gambling. Here are a few options you can choose from. 45). Bringing Debts into a Marriage Are you a credit card junkie? Credit card debt can often be a big, deep, dark secret for someone preparing for marriage. 46). Debt Relief or Bankruptcy When you have severe debt, there are usually two options, enlisting the services of a debt relief organization or declaring bankruptcy. They can help consolidate your credit card bills, tuition loans, and medical bills all into one monthly payment that you and the debt relief organization set together. If you are in debt this is an excellent way to reduce your debt. 47). What You Need to Know About Alimony Alimony, or spousal support is a court ordered payment from the spouse who earns the highest income to the other spouse. Alimony laws exist to help a spouse ease into life after divorce; it prevents the person from having to drastically lower his or her standard of living after a divorce. Financial situations in which both couples are employed usually do not merit spousal support payment. 48). Parenting After Divorce Once you have finished gathering all your divorce information, sought all the divorce advice that was out there, found divorce help by hiring an attorney and financial planner… after you have learned everything there is to know about how to get a divorce there is one decision that has no fast, cut-and-dried answers: how to raise your children in two households. 49). Five Steps Before Filing Divorce Getting a divorce can be stressful and full of situations that are tremendously challenging. Without having some kind of divorce support, it becomes tempting to avoid dealing with it altogether, leaving the prospect of staying in an unhappy marriage as a festering thought in the back of both of your minds. 50). Top Ten Money Saving Wedding Tips Browse Pages: 1 [2]