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Credit Repair For Sale: Just Say No
We will clean your credit up, no matter how bad it is. Bankruptcies, bad loans, judgments and liens – we can remove it all. You’ve probably heard lines similar to this before. Maybe you heard it on the radio, maybe you saw a commercial on television, or maybe you saw an ad online or in…
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Fighting a Crisis of Confidence
Many people have been comparing the current economic crisis that we’re facing to that of the Great Depression. While we are seeing some similarities between the Depression and the economic crisis of today, they are largely a different beast. In fact I’d like to argue that while the Great Depression seemed to have been largely…
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What Would You Tell The Grad Student with A Loan Maturing Soon?
Ann R. writes: I have a 5 year fixed rate mortgage loan that will be maturing April 1, 2009. The current balance is $20,500 and the rate is 6.75%. I am no longer living in the property and have been renting it for the past three years (same tenants) and I resigned from my job…
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5 Must Read Tips For New Graduates
Many of you know that I’m currently attending Arizona State University where I’m working on a Global Business/Financial Management Degree. Well I’m coming to the end of the line at ASU, as I am on track to graduate in May. I’m getting pretty excited to graduate and I’m hoping that I’ll be able to find…
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A Lesson On Compound Interest
Compound Interest Is The Most Powerful Force In The Universe. There is a good chance that you have heard this quote before. Any guesses on who it was that originally said it? If you guessed Albert Einstein then you are correct and you should absolutely reward yourself with something nice… maybe a cookie or some…
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When Looking Forward Don’t Forget To Look Back
The start of a new year, new month or even a new day is a great time to look forward to what you want to accomplish. Do you remember the phrase “Carpe Diem” from that horribly depressing movie, Dead Poet’s Society? It means “seize the day.” There really is no better day than today to decide…
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Have You Made Your Financial Resolutions?
I spoke earlier about how it’s important to set personal finance goals. Today I’d like to expound on this idea a little. It’s absolutely important to sit down and make finance related goals, and what better time to do this than at the start of a new year? Of course if you’re going to sit…
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Grow Your Wealth With Automatic Savings
While most people yearn for wealth not all will achieve any significant levels of wealth in their lifetime. I am of the opinion that anyone can build wealth, but for most of us building wealth will take time. It doesn’t come to most of us because of our natural abilities or talents or because we…
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Best of Debit versus Credit, December 2008
December marked the end of a unique year. We saw everything from a major financial catastrophe to a historical presidential election. Here at Debit versus Credit we saw some interesting articles as well on everything from Investor Psychology to an argument in favor of making as small a down payment on a home as possible.…
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Are You Prepared for the New Year?
The start of a new year is a great time to not only reflect on the previous year but also to think about what you would like to accomplish in the upcoming year. It’s true that to many people a New Year’s Resolution is often nothing more than a wish-list of self-improvement and related goals…
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Common Identity Theft Scams And How To Avoid Them
Yesterday in the post Identity Theft is No Laughing Matter I shared some basic information with you about identity theft. Today I’d like to take this one step further and educate you on some specific scams used to obtain your personal information. My hope is that by educating you on these scams you’ll be less…
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Identity Theft is No Laughing Matter
While watching The Office the other day I saw an episode where Jim, the office prankster, comes in dressed like Dwight, an annoying paper salesman. At first Dwight doesn’t realize that Jim is making fun of him, but after Jim starts to argue with Dwight about bears (Dwight’s favorite animal), he becomes enraged and shouts,…