A number of groups (the Consumer Federation of America, the Jump$tart Coalition for Personal Financial Literacy, Americans for Consumer Education and Competition, the American Savings Education Council) have conducted personal financial literacy quizzes with different audiences. Most of these show that literacy levels are low. (more…)

If you have a bad credit score or bad credit personal loan, and it’s accurate, you need to know exactly when the items that are triggering it legally must be removed. Then, it’s up to you to make certain the consumer reporting agency removes them. (more…)

Credit bureaus have a significant role in the lives of your debts and personal loans. They serve up as your channel of reputation in a world where banks and financial institution know nothing about you. Credit bureaus gather information about you and give it every time someone needs to access your financial condition. (more…)

To make the most of your buying power, consider trade-offs. Suppose that you buy a sound system with a credit card instead of waiting until you have saved enough money to pay cash for it. You get the pleasure of having the sound system now. However, you may pay a higher price in the long run because of fees and credit card interest rates the credit card company charges for use of the card. (more…)

Many people are looking for a car loan because they were rejected by a car dealer, from their bank or credit union. It is well known issue but there are other places you can get a auto/ car loan fast. Many times potential buyers have been rejected for a car credit loan because of bad or poor credit report, and most of them think they have no other options. (more…)

Money management is one of the few arts that dominate and almost not taught. A couple of months ago I had the privilege to attend a family conference of entrepreneurs in Huntsville, USA, with my daughter. It was very interesting, since 50% of the public had less than 20 years of age. (more…)

Do you want to be treated like a VIP when entering a car dealership; and so you can get a pre-approved auto loan easily? The amount of money you could pay for car payment has saved significantly for lower other monthly bills easily. (more…)

Like any company, you and your family members need to develop your overall financial goals. This process is definitely a family affair. (No family or significant others involved with your financial affairs? In that case, you’re on your own.) (more…)

Personal Financial Management is a skill that really an important skill, and therefore can be learned like any other skill in life. No body is born with this ability. Even the best financial managers who control the budgets of the largest companies in the world can be bad at managing their personal finances, they have not been trained. Did you know, for example, that most of those who consider themselves experts in managing personal finances, including the humble author, have suffered greatly from the financial crisis in his life that might not even be able to imagine?! (more…)

In particular, lease agreements generally stipulate that you as the tenant have examined the premises and found them to be in good condition. Well, that may be so, but go through the apartment or house with a magnifying glass before you sign on to rent it. Check all the light switches, make sure the stove works and the toilets flush, and point out every little ding that you can to your landlord. That way, when the time comes for you to leave, you won’t have to lay out cash for problems that weren’t of your doing. Likewise, walk through with your landlord after you’ve packed up and left. (more…)