All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. In this day and age, banks and credit card companies compete with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various… Read More »

Getting Out of Debt, The Smart Credit-Card Plan, the perfect paydown strategy Behavioural economist Meir Statman, recently said “getting out of debt is the financial equivalent of trying to quit smoking.” Just like any bad habit, good intentions alone will not be enough. To ensure success, we need to break our underlying patterns of behaviour.… Read More »

You may see ads on TV, online, or in the newspaper claiming that your bad credit can be quickly and easily fixed. Don’t fall prey to these scam artists. Avoid companies that tell you truthful information can be changed or erased to improve your credit or that only the credit-repair company can remove old or… Read More »

Many people struggle with the decision to file for bankruptcy. Usually, this is because they have misconceptions about bankruptcy in general. Bankruptcy is a legal way to level the playing field between an individual debtor and creditors. It is a legal proceeding that provides the debtor with a fresh start. The two types of bankruptcy… Read More »