debt
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Debt Safety Ratio: Calculation & Importance for Financial Security
Your debt safety ratio should be zero at or near retirement. Debt safety ratio is the ratio of monthly consumer debt payments to the monthly take-home pay, expressed as a percentage. Lending
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Amortization vs. Sinking Fund: Understanding the Key Differences
You can use an amortization or sinking fund account for purchases. Both sinking funds and amortizations involve you making regular payments in installments to reach a certain figure and use i
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Payday Loans & Existing Debt: Do Lenders Check Your Other Loans?
A payday loan company will often grant payday loans -- loans typically issued for less than a month for a high rate of interest -- to people with bad credit. However, the person must generally provide
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Understanding Your Eviction History: What Landlords See & How to Check
Learn about what landlords will find in your background. A previous eviction can haunt your rental history and make it difficult to rent a new place when you need to. Check your eviction hist
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Crafting Effective Fundraising Letters: A Guide
Letters soliciting financial support are usually short and to the point. Writing a letter soliciting financial support is an effective method for fund-raising, because it is inexpensive. Targ
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Understanding Guarantor Signatures: What You Need to Know
When trying to get a loan or some other type of credit, the lender will evaluate your credit history to make sure that you are a potentially good borrower. If you do not have a sufficient amount of cr
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Obtaining a Lien Release: A Step-by-Step Guide
Lien releases are usually provided automatically. When an installment loan has been paid in full, the proof that it's been paid lies in the lien release. The lender or lien holder usually
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FAFSA Income Limits: What You Need to Know for College Aid
FAFSA loans are funded by the U.S. Department of Education. Due to the increasing cost of higher education, most students need to borrow money to pay for college. The Free Application for Fed
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Financing a Travel Trailer with Bad Credit: Your Options
Buying a travel trailer will give your family affordable vacations. Your credit score is poor. Your debt to income ratio is higher than it should be, you have missed a couple of payments on y
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Loan Denial? How to Effectively Appeal and Reconsider Your Application
How to appeal a denied loan. To get a loan, you must fit the lender's criteria. Federal law requires lenders to tell you if they deny your application due to information on your credit re
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Oklahoma Judgment Statute of Limitations: Key Information for Plaintiffs & Defendants
If you are involved in a lawsuit in Oklahoma, take time to learn about the statute of limitations on judgment collection. Plaintiffs need to take regular action on collecting a judgment or they risk l
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Ohio Water Bill Assistance: Resources & Programs
When you encounter a financial crisis, making your payment obligations becomes a struggle. If you are unable to pay your water bill or other basic needs, seek help from one of several organizations in
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Requesting a Job Offer Letter: A Professional Guide
Writing a letter to ask for a job offer is an assertive move. Job candidates usually wait for the employer to issue the offer. However, circumstances may make asking for a job offer a sound strategy.
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Understanding the Impact of Lower-than-Expected Inflation on Investments
Some investments are protected against inflation. Prices tend to rise over time, but no one can predict exactly how much they'll go up in any given period. The best anyone can do is to es
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Financial Assistance for Single, Unemployed Mothers: Grants & Resources
Several avenues of funding are available to single, unemployed mothers. Raising children can be a very expensive responsibility, especially for a single parent. When unemployment hits, the co
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Texas Debt Collection Lawsuit: How to Respond & Protect Yourself
Many people are overwhelmed when they are served with a notice that a creditor is filing a lawsuit against them and choose to ignore it rather than defend themselves. However, in Texas, failing to ans
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Personal Loan Underwriting Time: What to Expect
In many instances, you can get instant approval or disapproval for a personal loan and very often the underwriting process does not even involve a human underwriter. However, for a large dollar loan,
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Debt Consolidation Loans for Bad Credit: A Guide to Paying Off Unpaid Bills
Having bad credit doesn't mean you can't qualify for a debt consolidation loan to pay unpaid bills. It just makes approval more difficult and increases the need for collateral. Credit scores a
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Credit Card Fraud Investigation Process: What to Expect
Credit card fraud has many faces. A thief can go on a spending spree with your stolen card; an identity thief may use your data to rent apartments or take out cell-phone accounts; or a company may tak
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Promissory Notes vs. Checks: Key Differences Explained
A promissory note promises to repay a set amount of money. You likely won't see a promissory note until you need to borrow an amount of money from a lender. A promissory note and check ar
debt
- Amortization Table Adjustment for Missed Loan Payments: A Guide
- Car Loans for 18-Year-Olds: Options & Requirements
- Texas Promissory Notes: Legal Requirements & Best Practices
- Calculate Annual Percentage Rate (APR) from Daily Rate: A Simple Guide
- Protect Your Assets: How to Avoid Judgment Collection
- Understanding North Carolina Civil Judgments & Collection
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USDA Summer Food Program: Helping Millions of Children Access MealsYour child may be eligible for an ex...
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Credit Repair: A 10-Step Guide to Improving Your Credit Score...
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Retained Earnings: Definition, Calculation & ImportanceWhat Are Retained Earnings? Retained earnings are an important concept in accounting. The term refers to the historical profits earned by a company, minus any dividends it paid in the past. The...
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30-Day No Spend Challenge: Save Money & Boost WillpowerChallenges are a great tool for testing out a behavior change. Whether you’re trying to eat clean, meditate every day, or just be more active, 30 days is just long enough to test yo...