Philippine Law on Pornography

The Internet has broken down barriers to communicate the world over. Information can be searched as fast as you can say “Google it.” It has surpassed the library, books, television, mobile phone and radio as the number one source of Information. However, these advantages of the Internet have also made it easier to exploit children. […]

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Personal Budget – 7 Guidelines That Will Help You Plan a Working Budget

Setting up your personal budget requires a hands-on approach. The following guidelines will help you plan a working budget to undertake this journey. 1. Gather all your financial details. That will include all of your bank accounts, credit cards and insurances papers – anything to do with your personal finances. These details will be needed […]

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Free Credit Reports – Get Yours Today!

You may have seen the ads telling you where you can get copies of your consumer credit reports for free. Read the fine print and you will see that there is some sort of catch with these ads that will ultimately cost you money. You don’t need to pay for your reports no matter what […]

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New Credit Card Over Limit Fee Laws – What You Don’t Know Can Still Hurt You/feed/

The Credit CARD (Credit Card Accountability, Responsibility, and Disclosure) Act of 2009 was signed into law on May 22, 2009, and took effect on in it’s entirety on Feb 22, 2010. It attempts to change some of the more unpopular policies used by credit card companies. Credit card issuers have been generating a substantial portion […]

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How To Recover From Bankruptcy In Half The Time/feed/

If you should pose the above-mentioned question to a bankruptcy law expert or attorney bankruptcy law professional, the answers might surprise you. Mostly those who have not been successful to fend off, stave or avoid bankruptcy, are looking for quick fixes. Once they realize that the blemish will be affecting their credit rating, ability to […]

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Are Minimum Credit Scores Needed for a Car Loan?

Every lender has its own criteria for judging whether or not they would consider a borrower credit worthy. So, minimum credit scores to get a car loan do not meet rigid cutoff points. Look at some general scores to get an idea of how you will be treated when you embark on your auto loan […]

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Financial Education Services Review

Financial Education Services also known as FES is headquarter in Farmington Hills, MI and has approximately 200 plus employees worldwide. The majority of the services offered by FES are proprietary products developed by FES. There are as well some partnerships most notably, LifeLock the number 1 provider of identity theft protection. The founders of this […]

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Derogatory Credit Information in Your Credit Report and How to Handle it

The derogatory credit information section in your credit report lists all the items that negatively affect your credit rating. It is this section that is given the most attention by creditors and lending agencies. The most damaging types of credit information are bankruptcies and foreclosures. These items can be reported on your credit report for […]

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Your Psychological Wallet And Why You Need To Increase It

I like to share with you a term that I learned fro Bro. Bo Sanchez, author of the book “My Maid Invests in The Stock Market,” psychological wallet. What is psychological wallet and why you need to increase it anyway? On our way home one night, my girlfriend was sharing with me a discussion she […]

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Loan Sharks – What You Need to Know/feed//feed/

Loan sharking is the practice of lending money to desperate people at extremely high and illegal rates of interest. Loan sharks, or shylocks, make a big profit from people who can’t get loans from legitimate sources, such as banks or other lending institutions. For as long as people have needed money they don’t have, there […]

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