Author Archives: Jay Butchko
Being Judgment Proof Is The World’s Lousiest Superpower
Florida Man has superpowers that leave the inhabitants of the other 49 states awestruck, clicking on Floridian news sites to see what he will do next. Only in Florida does a guy jump into a crocodile pond at a zoo just to say he did it, come out unscathed, and then jump back in… Read More »
Most Common Types Of Debt Among Retired People
Florida has been a popular destination for retirees for decades. That will never change, as long as icy driveways, hills, and staircases are scarier to seniors than the alligators and hurricane force winds you find in Florida are. Retirees are a constant, but their financial situation has changed since restaurants in Aventura started offering… Read More »
How Risky Is It To Sign Up For A Patient Financing Plan?
The cost of healthcare is unaffordable for everyone except the wealthiest Americans, and while the currently available protections prevent some health situations from becoming financially disastrous, the fact remains that almost everyone is just one serious illness or injury away from poverty. The Affordable Care Act has made health insurance affordable to some patients… Read More »
Being Strategic About Medical Debt
It is for good reason that medical debt is the scariest form of debt. It is a leading reason why people file for bankruptcy and why they struggle to afford necessities. Perhaps the scariest thing about medical debt is that you can couch surf if you can’t afford rent and walk or ride the… Read More »
Bankruptcy Tips For The Holiday Season
After living through years of financial stress, which was especially painful during the holidays, making the decision to file for bankruptcy can be a relief. Nothing puts a damper on your holiday festivities like having the court get involved in your business. This is one of the reasons that Divorce Monday, the first business… Read More »
How To Avoid Trouble With Store Credit Cards
Store credit cards, also known as retail credit cards, are neither the safest nor the riskiest option when it comes to making purchases on credit, and they are neither the easiest nor the hardest to qualify for. They are also not new; they roamed the Earth at the same time as Diner’s Club. Perhaps… Read More »
If Only Buy Now Pay Later Helped Your Credit Score
They say that necessity is the mother of invention, and the financial hardships brought on by the COVID-19 pandemic and its aftermath have led consumers and businesses to get creative with ways to stay financially solvent. Buy Now Pay Later (BNPL) services have increased their popularity exponentially over the past several years. BNPL allows… Read More »
Repairing Your Credit After A Military Scam
In the long term, joining the military is a wise financial investment. When you retire from a military career, you have access to a pension, but you are also young and healthy enough to look forward to a long professional career as a civilian, and your experiences in the Armed Forces will have enabled… Read More »
What Is The Difference Between Co-Signing And Adding An Authorized User?
Many consumers consider it a priority to improve their credit scores, since this enables them to qualify for loans and increase the credit limit on their credit cards. Credit repair companies offer to use a variety of tactics to boost your credit score quickly. If they are only using legitimate means, then all of… Read More »
Surprise Medical Bills In The Age Of The No Surprises Act
Even though it seems like the prices of everything have skyrocketed in 2022, the bills that patients receive for emergency room visits have gotten less expensive. Pursuant to the No Surprises Act, healthcare providers cannot charge patients out-of-network prices for emergency medical services provided on or after January 1, 2022. In other words, even… Read More »