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Lesson from Argentina’s debt crisis
Since 2011, Argentina lost more than half of its foreign reserves. Moody’s Investor Service and Standard & Poor’s rate its credits seven notches below investment grade. Its negotiations with bondholders failed and some filed for a Supreme Court decision. Argentina defaulted on its bondholder payments but continued to negotiate. This is the second time in recent history that Argentina defaulted... [Read more]
Quit worrying about your credit score
Instead of worrying about your credit score, try and understand how it works. That might help you to get back on track and improve your credit score saving money on interest and getting a good rate on any borrowings. It just doesn’t stop there. It might affect your ability to rent a place for you to live. Your three digit credit score is calculated based on information stored on your credit report.... [Read more]
You have more ways to save money
Maximize your tax credits: It is time to find whether you qualify for frequently overlooked tax breaks. These include childcare credit, American Opportunity credit for college education, and the retirement saver’s credit. If you were laid off from your previous employment and you have expenses related to searching for a new employment, add up those expenses before tax time. If you have moved... [Read more]
Things you need to avoid in order to get ahead
Avoiding debt is hard to do. Much worse is debt that is overburdening your life and can’t get out. Too much debt leads to stress, promote ill health, and may even lead to bankruptcy. With that in mind here are few ideas to follow. Carrying too many credit cards not only lead you to more debt but also wrap you in a vicious circle. One strategy is to pay lower balance credit cards first and not... [Read more]
Get a game plan together to conquer your debt
When you are struggling to balance the budget, credit cards gives you a helping hand. But if you keep doing it month after month, very soon your debt load will go over your head. Credit card companies realize this and they will keep increasing your credit limit if you are a worthy customer. This is a habit that many of us need to break and to do that you need to get a game plan together to get out... [Read more]
A proven strategy to pay off credit card debt
Many of us struggle with credit card debt. We are confused about which balance to pay first. They are torn apart between paying off credit card with the lowest balance, highest interest rate and highest balance. If you have multiple credit cards and trying to get ahead paying off credit card debt, here are some interesting points to consider. First understand some of the realities. If you are carrying... [Read more]
Pay attention to Required Minimum Distribution (RMD) regulations
Article submitted by Simply Credit Help. You worked hard and stashed away money in 401(k), 457 Plan or in an IRA. Now, here come RMD. The RMD is minimum amounts that you have to withdraw from your retirement account in the year you reach age 70 ½ and every year after that before December 31. It is the retirement plan participant’s responsibility to withdraw the RMD and may face stiff penalties... [Read more]
Proven strategies to handle student loan debt
Nearly two-thirds of young who graduated from college this year will carry an average student loan balance of $30,000 according to some estimates. This may burden the young and hamper saving to buy a home and may push them onto more credit card debt on top of student loan balances. Some student loan repayments are based on earnings. The Pay As You Earn program is based on 10 percent of the discretionary... [Read more]
Proven financial strategies to get out of debt
Spending few hours to review your financial goals and current conditions can pay hefty dividends at the end. Periodically you need to revisit your goals and make changes if needed. Pay off or lower your non-deductible, high interest debt first. Most of the credit card debt is not deductible on your tax return and carry a higher interest rate than any other debt. Simultaneously many of us carry... [Read more]
Errors could ruin your credit
Even if you pay your bills on time and manage your credit, there are other forces that can still drag your credit score lower. Among those errors in credit report, credit record thefts, large medical and other bills that hurt seniors and co-signing loans for others could cause your credit score to go down. Growing number of prospective employers are checking into applicant’s credit reports prior... [Read more]