Recent Blog Posts
Treat Timeshares Like Just Another Debt To Get Out Of As Safely As Possible
A disproportionate number of timeshare properties are located in Florida, even though not everyone who has bought vacation time in them has ever laid eyes on these properties. People who have recently moved to Florida, or have recently come of age in Florida, are especially vulnerable to the deceptive tactics used to sell interest… Read More »
Are “Buy Now Refinance Free Later” Mortgages Too Good To Be True?
It is easy to fixate on how much easier your life would be if you could remove just one financial obstacle. If you are renting your home, you daydream about how much less stressed you would feel about your finances if you could put the same amount of money toward a mortgage payment every… Read More »
Lenders Routinely Overcharge Military Personnel More Interest On Loans Than They Owe
If you read enough personal finance advice, a trend emerges. If you call your utility providers, you can often lower your monthly bills just by asking politely and persistently. Hospitals are often willing to negotiate directly with uninsured patients and charge them an amount that, while still financially burdensome, is a lot less than… Read More »
Will A Cash Diet Help You Repay Your Debts?
Once again, we are at the time of year where everyone makes New Year’s resolutions in the hopes of improving their financial circumstances in the new year. This year, most people’s financial circumstances are so bad that they do not even know where to begin setting goals; a six-figure income is not enough to… Read More »
How Severe Are Young People’s Debt Problems?
These days, financial struggles affect everyone, regardless of age, but certain financial problems are more prevalent in certain age groups. First, there are the seniors who are still struggling to make payments on Parent PLUS loans long after they have become eligible to draw Social Security. Members of the sandwich generation work night and… Read More »
Legislators Propose Bills To Protect Struggling Floridians From Harassment By Creditors
The constant need to hustle for money has become so widespread in our society that many of us hardly notice it anymore and could not imagine what life would be like without it. What we do notice is the incessant barrage of bills. Every time we blink, we find that, by the time we… Read More »
What To Do If You Have A Year Without Credit Card Interest
Trying to manage your finances can feel like playing a game of Tetris where the pieces keep falling faster than you can fit them into a good enough, if not ideal, location. It is not just your imagination. The amount you owe might be even bigger than it was when you first incurred the… Read More »
CFPB Proposes Limiting Credit Card Late Fees To Eight Dollars
You can’t buy much for eight dollars these days. It is fun to reminisce about the days when you could get a combo meal from McDonald’s for eight bucks, but it is depressing to think about how much a single dose of junk food costs today. If you can remember when eight dollars was… Read More »
What To Do If You Are Too Broke To Consolidate Your Debt
If your financial situation is bad enough that you are considering filing for bankruptcy or are in danger of losing valuable assets, such as your house, then you have probably read enough consumer law firm websites to know that the main options for avoiding financial catastrophe are debt settlement, debt consolidation, and bankruptcy protection. … Read More »
The Trouble With PACE Loans
Elementary school students in South Florida do not have to travel very far to appreciate nature in all its splendor. A school field trip to the Everglades costs nothing; you can travel there and back within school hours and still have time to see mangrove trees, anhingas, and more alligators than you can count. … Read More »