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Financing a Small Business
There’s a common saying that goes, “It takes money to make money.” While most do not have access to large sums of cash before attempting to start a business, there are a few routes available to...
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Ready Yourself for Holiday Spending
Consumers are gearing up for the holiday season. They are not only looking forward to time with friends and family, holiday meals, and vacation time, but they’re also excited to give presents to their...
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Borrowing From or Loaning to Family Members
When big banks and traditional means of lending fail borrowers, or when one desires to avoid the paper work and strict lending practices of institutions, there is often another route to obtain money:...
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Dealing with Debt Collectors
One of the most annoying types of phone calls is from debt collectors. Whether the collector simply harasses a debtor or resorts to full blown threats, the interactions between debtor and collector are...
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The Invisible Thief—Hacking, Loans, and Banks
The days when bank robbers put on black ski masks, used shotguns, automatic rifles, specialists who are renowned for breaking into the most sophisticated of safes, loud intimidating shouts, and a...
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Circumventing the Vote for Personal Loan Protection
When it comes to protecting the public from poor personal loans and predatory lenders, what are we, as a nation, willing to sacrifice? Despite what the individual’s opinion may be, the president has...
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The Long, Arduous Journey to a Perfect Credit Score
Human beings are task oriented creatures. We operate best when we have something to do, and the inner-workings of our brains drive us to fill our lives with tasks. Perhaps the most obvious sampling of...
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Personal Loans and the Economic Butterfly Effect
Despite the fact that demand for personal loans has risen in the past few months, the Wall Street Journal reports that U.S. banks have kept credit tight when it comes to issuing those loans out to...
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Debtor’s Prison—The Defaulter’s Destination of Old?
Imagine a world that not only rebuked and demonized those who fell behind on their loan payments, but also threw them in jail. That world was extinguished in the 19th century, and has since become an...
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Tax Refund Loans Wave Goodbye
Refund anticipation loans, more commonly referred to as RALs, will no longer be offered after this year’s tax season. Some weep at this news, while others cheer, but the general consensus is that...
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There’s a New Business Loan Lender in Town: You
In this tough economic climate, small businesses and those interested in starting a business are finding it increasingly more difficult to qualify for business loans. When a hopeful business owner is...
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P2P Lending of Personal Loans
Long before established banks and lending institutions were created, there were people who lent currency to their friends, family, and peers. Whether that currency of old was a form of legal tender or...
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Online Personal Loan Management Growing Safer
Online banking and management of personal loans is a practice that can cause even the most veteran of computer users to feel a twinge of unease and nervousness. Hackers are growing more numerous and...
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Everything You Need to Know About Debt Collection
Recent news reports have revealed that some debt collectors are willing to act outside the scope of the law in order to secure repayment on personal loans. It doesn’t matter if a collector is pursuing...
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The Bible and Personal Loan Debt
The King James Version of the Bible mentions the word “money” more than 120 times, the word “silver” more than 280 times, and the word “gold” more than 400 times. When other words relating to wealth,...
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Where Private Equity Firms and Personal Loans Collide
As Mitt Romney prepares to take an even larger step into the media’s spotlight, his affiliation with the private equity firm, Bain Capital, is likely to receive even more attention than it has...
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The Rise of Small Personal Loan Lenders
Personal loans are the lifeblood of large purchases in our economy. They can be used for virtually anything: large domestic products, debt consolidation, medical costs, business startups, and subsidies...
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The Types of Collateral for Personal Loans
The types of collateral for personal loans—paycheck, auto title, and home equity—are varied and rightly so. Collateral is a valuable asset that can secure a loan for a lender by providing value to them...
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Alternatives to Small Secured Personal Loans
Small secured personal loans are simply loans that are secured by some sort of collateral. By being secured by collateral—which is anything of value—a loan can be lent out with less risk to the...
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How to Make a Tax-Friendly Family Personal Loan
Family personal loans are commonplace amongst parents and children, with parents often loaning money to their kids for first-time auto or electronic purchases. Given the sluggish economy though,...
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Bad Credit Personal Loans Cut Both Ways
The economy has seen better days. Jobless rates remain high, most educated workers are underemployed, foreclosures seem to be the norm, and everyone has tightened their belts when it comes to...
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Consolidation Loans 101
The current economy has pushed many Americans to their financial breaking points. Once the economy began to nosedive, Americans borrowed money in order to keep their heads above water. With income...
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The Pros and Cons of Unsecured Personal Loans
Personal loans can be used for a myriad of purchases, such as car payments, bills, or even to start a business. There are two types of personal loans; secured and unsecured. A secured personal loan is...
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Unsecured Loans Can Be Flexible and Unethical
People borrow loans for any number of reasons. Some of the reasons people both lend and borrow money is to fund election campaigns. Unfortunately, not all political funding is as honest and ethical as...
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Personal Loans Keep Fueling Elections
Money has always played a dominant role in elections. Without it there would be no funding for the expensive commercials, mail packets, signs, and campaign office staff necessary to winning an American...
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Why You Might Need a Personal Loan in Winter
Once again the weather is getting colder, people are wearing jackets and coats, and wallets are getting lighter. Clearly, winter is here. Aside from a drop in temperature, winter also means a drop in...
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Personal Loan Debt Adds Pressure to Romantic Relationships
Oh love! True love fosters poem writing, romantic notions, and heroic gestures, but many modern citizens question if it can withstand an important issue: debt.People have been forced to deal with debt...
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The Emotional Joy and Financial Strain of Holiday Commerce
The holiday season can be a joyful time with gifts, family, and food; but many people worry about how to pay for all of the expensive additions to the festive season. With only weeks until Christmas,...
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The Desperate Seek Personal Loan Cosigners
Terrible credit scores seem to be the norm today. The world’s economy may arguably be recovering, but the damage has already been done as far as most peoples’ credit scores are concerned.Once the Great...
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How to Fix Your Credit Score for Free
Companies across the world advertise elaborate and costly ways to help strengthen one’s credit score. But the truth is: most fixes can be achieved for free.Credit scores are used to indicate the...
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Avoiding Stress with Consolidation Loans
A consolidation loan is a form of financing used to repay multiple debts. Instead of paying off several loans throughout the month, consumers can use a consolidation loan to merge all of their existing...
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Financial Resolutions for 2013
This year, anything is possible. 2013 holds with it possibilities of becoming a healthier and more financially savvy person.According to a survey commissioned by TransUnion, more than half of Americans...
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Top Five Ways to Improve your Credit Score
The simple mention of a credit score can strike terror into the hearts of millions of people around the country; especially when it comes to personal loan applications. While it is perfectly...
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How to Rebuild Your Credit After a Divorce
Despite it being common knowledge how prevalent divorce is nowadays, people still seem to be getting married.While divorce is probably one of the worst experiences an individual may endure, it is by no...
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Moving Past Gender Discrimination in the Financial Industry
A voice is growing louder in the financial industry.Women are continuing to increase their hold on both the overall economy as well as their own personal finances.Some financial advisors are well aware...
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Have a Romantic Valentine’s Day without Breaking the Bank
Guess what time it is? Yes, it’s Valentine’s Day season again. There are only a few weeks left until that wonderfully expensive holiday defined almost exclusively by gift-giving is here.What’s that?...
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Protecting Yourself when Applying for an Online Loan
News flash! The internet isn’t exactly a super-safe neighborhood. That’s an even truer statement when it comes to ecommerce and shopping online.While we can all agree that online shopping has made life...
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Smart Spending: Eliminating Personal Loan Debts with Tax Refunds
After the consuming task of submitting tax returns, the beneficial part arrives: payday.Instead of spending the return in a frivolous manner, taxpayers should utilize this annual check from the...
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5 Reasons Not to Co-Sign a Personal Loan
To sign or not to sign?That is the question facing many consumers. The elusive co-signing role is one that responsible borrowers should avoid at all costs.Every day, consumers with stable credit...
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How to Eliminate Wedding Debt
Many people borrow personal loans in order to fund their dream wedding. While getting into debt may not always be desirable, for a once in a lifetime event like a wedding, and in an economy with...
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Five Ways to Help Pay off Personal Loan Debt
The best way to get out of personal loan debt is to have enough money to pay it off. Unfortunately, not everyone can magically summon money from thin air. Instead, most people have to either earn more...
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Why You Should Never Borrow Money From Strangers Online
It’s never been easier to borrow money online.A simple Google search will lead you to a variety of lenders; some better than others. Even Reddit has a section where borrowers seeking personal loans can...
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Bitcoin: Lending Currency of the Future?
Bitcoin has been called everything from a Ponzi scheme to the beginning of the third wave of currency. The creation of an anonymous coder operating under the pseudonym Satoshi Nakamoto, bitcoin is a...
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Living on the Edge: Debts Increase Risk of Depression and Suicide
The pathways to suicide can be influenced by many things: a history of depression, family loss, and a sense of loneliness to name a few. One common source for serious depression is financial strain.The...
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Retirement, Delusion and an Indebted, Aging Population
Stephen Ellzey will be turning 59 next month, but his working career is far from over and any hope for retirement has since vanished.Ellzey, a development director for Access Monterey Peninsula, told...
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How Politicians Pump Political Campaigns with Personal Loans
Political Scientist Harold Dwight Lasswell said that politics can be defined as deciding who gets what, when, and how. However, we live in a world where money almost always decides who gets what, when,...
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Why Borrowing Personal Loans for Black Friday Is a Bad Idea
Black Friday is fast approaching.Unlike most holidays which ostensibly maintain the appearance of being about family and generosity, Black Friday is an almost comedic celebration of consumerism.Despite...
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Money Talks: Discussing Finances Is the Key to Romantic Success
Money is the main cause of marital conflict, yet so few couples are willing to talk about critical topics before issues arise.Nearly 90 percent of divorces stem from money issues, according to Kimberly...
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Debtors Recall Their Path Out of Financial Peril
Low credit scores, high levels of debts and a poor financial history can severely limit a consumer’s power in the economy. When negative marks and debts are prevalent, some feel that there is no way...
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Why You Have Multiple Credit Scores and What They Mean
Credit scores are sort of like souls. After too many mistakes, a person with a bad credit score finds themselves damned to a financial inferno where they can’t qualify for loans.Making the right...
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