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Food for Thought..

Remember - making minimum monthly payments on your credit card can have a long lasting affect.

At 18% interest it will take over 7 years to pay $800 off.
At 29% interest it will take over 10 years.

Don't let your Visa bill last longer than items you purchase!

ACCESS Guard My Credit File News
Debt Collectors Can Now Legally Contact You Through Social Media - What You Need to Know
In The News

December 3, 2021 - The Consumer Financial Protection Bureau has finalized new rules for debt collectors when making contact with consumers. As of November 30th, it is now legal for them to email, text and direct message debtors through their social media accounts.

Build Back Better Includes Privacy Killing Measure for Drivers
In The News

November 30, 2021 - Joe Biden continues to push for his $1.75 Trillion Build Back Better (BBB) bill, which is currently stalled in the Senate. The bill is largely a wish list of high-cost social engineering projects and nanny state dreams, not the least of which is a provision to destroy the privacy of drivers. As currently written, the bill would force automobile manufacturers to include a device to spy on drivers when operating their vehicles. And it is so poorly written that nobody really seems to know how pervasive that spying would be.

Using a Reverse Mortgage for Access to Cash
Personal Finances

Vaccine Mandates, Inflation and Jobs - Part 3

A special series for the soon-to-be unemployed and those facing financial hardship


November 29, 2021 - Let's be clear here. There are less expensive ways to gain access to cash if you can qualify. For instance, a home equity loan. But most of the methods to gain access to cash reserves also require you to be employed or have some other source of income. That isn't the case with reverse mortgages. So if you need cash, don't want to sell your home and can qualify for a reverse mortgage, it may be your best option.

Understanding reverse mortgages - you don't necessarily need to be 62 years old to get one
Personal Finances

Vaccine Mandates, Inflation and Jobs - Part 2

A special series for the soon-to-be unemployed and those facing financial hardship

November 23, 2021 - Roughly 90% of all reverse mortgages in the United States are government backed. From a lender's perspective, this reduces the risks of lending because any defaults will result in the government making good on the loan. And there are circumstances where lenders could lose money on these loans. 

Vaccine Mandates, Inflation and Jobs
Personal Finances

A special series for the soon-to-be unemployed and those facing financial hardship - Part 1

November 12, 2021 - Millions of Americans are currently facing a choice that would have been unimaginable just a year ago. Either take what is proving to be an ineffective vaccine that has already killed more people than all other vaccines combined or lose their jobs and their livelihoods.

When Does Taxation Become Theft? - Reconciliation Bill Would Cause Taxes to Soar
Federal Issues

November 9, 2021 - What is the maximum that someone should pay in taxes? And when does taxation turn into something else... namely, theft? These are questions that don't have clear cut answers but maybe they should. They certainly raise some questions about morality.  And there are some easy parallels that can be used as examples.

Zillow Getting Out of Home Flipping Business - Good News for Homebuyers
In The News

November 3, 2021 - I'm not a real fan of Zillow. In fact, the company is a leach on the real estate industry in my estimation. Over the years, they've made their money by syndicating home listings that appear on the MLS and then charging real estate agents to advertise on those listings. Since most versions of the MLS allow buyers to search for homes directly, Zillow (and companies like it) don't serve a real purpose. They just drive up the cost of transactions by adding another expense that real estate agents have to pay, and which home sellers eventually absorb through commission payments. Again, this is just my humble opinion.

More than One Million Mortgages Nationwide are in Forbearance
In The News

October 26, 2021 - More than a million home mortgages nationwide are now in forbearance and mortgage delinquencies stand at 3.5%. That's an all time high. At the same time, foreclosures are low because of forbearance programs. But many of those programs are winding down and that means that a lot of homeowners will need to make some hard choices. They need to figure out how to bring in the income they need to keep their homes or they will have to sell them.

Get Ready for Shortage Scams
How to Protect Yourself

October 24, 2021 - If you have been to any kind of store lately, you've probably noticed bare shelves. The White House, congress and the FED are trying to blame supply chain issues for the shortages. Many Americans however are placing the blame on inept economic management coming from the White House, congress and the FED. Regardless of the reason though, it's getting very hard not to make a comparison with Venezuela every time you walk into a store and are unable to find the things that you want or need. And given the fact that we're coming into the holiday season... the season that tends to grow consumer scams exponentially... we're expecting to see shortage scams abound.

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