5 things about Pay Day Loans you should know

Pay day loans are taken out by all sorts of people to cover all sorts of expenses. Here are five facts you should know about pay day loans in before you take out a pay day loan. Pay day loans are strictly regulated Just about every country in the world has laws in place to protect consumers from unscrupulous pay day loan practices. These laws have been commended by other countries which have perceived problems with the pay day loan industry. A pay day loan is permitted under the Criminal Code. However, the provinces need to enact their own specific...

5 Tips to Help You Achieve Financial Independence

Everybody wants financial independence, but there is no easy “click here” option to attain it. There are of course the lucky few who get to experience a lifestyle of unabashed leisure without the burden of work or debts. Unfortunately for the rest of us, we are faced with a lifetime of wondering if we’ll be able to pay our bills, eat, take care of our child and be fortunate enough to enjoy our later years. Many financial analysts say that fiscal independence can be achieved by anyone with enough steadfastness and a healthy dose of gumption. Here are 5 tips...

5 Tips for Achieving Your Financial Goals

2013 is nearly half over, which means this is about the time many people start to think back to their New Year’s resolutions. If you’re like most folks chances are some of them have gone well, but most of them were forgotten within weeks. Life is busy, and it continues on regardless of how closely it sticks to your plans. It’s all about setting realistic goals and keeping your expectations in line with them. But when it comes to your finances, baby steps may not feel like enough. Most Americans are deeply in debt, living paycheck to paycheck with no...

5 Things to Consider Before Applying for a Mortgage

If you’re considering buying a home, you’ve chosen a fantastic time to get in the game! The market has evened out, so it’s no longer a scary place to put your money. Yet housing prices will probably never rise to those unsustainable heights seen in the mid-2000’s. You can afford more house for your money these days, and mortgage rates are still pretty low and reasonable. Yet now that the ‘m’ word has been spoken, it’s time to consider the realities. Unless you are independently wealthy, you are going to need a mortgage in order to afford your new home....

Do You Have To Hire Someone To Improve Your Credit Score Quickly

Credit scores are more important today than ever before. In an world fueled by consumer debts, having a good credit score could mean that you pay thousands less in annual living expenses by paying much less in interest! However, when I comb the web for interesting information about improving credit scores, the articles always tend to end in click here to hire me, I can help. So, this poses a question that I’ve been asked quite a bit, “Do you have to hire someone to improve your credit score quickly?”. The simple answer is… No, You Do Not Need To...

5 Tips for Restructuring Your Student Loans

There are good debts and there bad debts. While financial aid offers millions of young people the ability to afford a higher education, a good debt can turn into a bad debt as soon as the student graduates and realizes that he or she can’t pay back their loan. While college can be a fruitful experience and can open a world of career prospects, the job market is just too dismal and recent grads are finding it harder than ever to pay back their loans. However, there are a number of promising loan restructuring programs that make it easier for...