CROA | Credit Repair Organizations Act
What is CROA? The Credit Repair Organizations Act or CROA is a consumer protection legislation regulating how credit repair companies advertise to you. They must be clear about their services; however, they must not exaggerate them and take advantage of you. ...
FDCPA | Fair Debt Collection Practices Act
Falling into debt due to job loss, divorce, health issues, or personal bankruptcy and then being harassed by debt collectors can be a very stressful time in your life. the FDCPA was implemented to protect you from abuse while the debt is collected. Want to...
FACTA | Fair and Accurate Credit Transactions Act
What is the FACTA? According to investopedia.com, the FACTA is a “federal law that enhances consumer protections, especially against identity theft. It is the amended law to the Federal Credit Reporting Act, aka FCRA. Want to listen to this on podcast instead?...
The CARD Act
2008 taught us all one thing. Lenders who aren’t closely regulated can be led by greed and cause another crash. This is why the CARD Act was put into place. What is the CARD Act? According to investopedia.com, the CARD Act is a "federal law to protect...
10 Things You Need To Learn About Life Insurance
September is Life Insurance Awareness Month, and as we wrap up this month, I wanted to do a recap on the most important things you need to know about life insurance. This blog will teach you about the Top 10 Things You Need to Learn About Life Insurance.
Purchasing life insurance is an important decision and a major commitment. Before you sign the solid line and buy your policy, get the facts, and find answers to any and all of your questions.
How to Understand Your 401(k) Plan in Under 10 Minutes
When you applied for your new job, you probably were told that one of the benefits of working with the company is that you can contribute money to a 401(k) retirement plan. You had no idea what it was and why you should do it, but all of your family and friends told...
How to Understand REITs in Under 5 Minutes
Have you ever heard someone talking about REITs and then went into a daze imagining yourself counting grains of rice because the conversation was so daunting. In this blog, you will learn how to understand REITs in under 5 minutes to determine if it is a good...
5 Options for Credit Card Debt Relief
Are you in trouble with your finances? Are you worried about paying your credit card debt? Dealing with credit card debt requires time and effort, but it is only temporary. The fact that millions of others have been able to pull themselves out of deep debt means you...
Top 7 Ways to Repay Your Student Loans
Are you ready to repay your student loans when the moratorium ends on August 31, 2022? You’re already experiencing the economy's pain with rising interest rates, high gas costs, expensive grocery bills, and record high rent and mortgage rates. You’re nervous that...
15 Ways to Save Money On Your Grocery Bill
With food shortages everywhere, the cost of groceries has dramatically increased. From your staple foods like rice, eggs, and milk, to your high-end foods like seafood and grass-fed beef. Now, more than ever, you need to learn how to budget for groceries, especially...