When you’re behind on all your bills and fending off daily calls from debt collectors, debt settlement starts to look like a pretty tempting prospect. If your creditors would agree to cancel your debts in exchange for one lump-sum payment,…
If you pick any 10 people at random off the street and ask them all whether they’d like to be rich, chances are all 10 will say yes. But if you ask those same 10 people what they mean by “rich,”…
Imagine that you live in a small town that’s experiencing a sudden population boom. Very soon, the town is going to have to add more housing and retail space. The town council has received several proposals from builders for this new development,…
Imagine that one night your house catches fire. You and your family escape unharmed, but by the time the fire is extinguished, there’s hardly anything left of the house or its contents. Once you recover from your shock, you call your…
One morning as you’re hurrying to get ready for work, you get a call from your credit card company. The caller says there may be a fraudulent charge and asks you to verify your credit card number. You do, and…
Imagine that you’re just a few years away from a well-deserved retirement. You’ve got a sizable retirement account plus a fully paid off house and car. Altogether, your assets amount to a little over $1 million. In short, life is…
If you’re like most Americans, you have some form of debt. And chances are, you already know what you need to do to pay off that debt: either cut back or earn more money. Then take all that extra cash…
Imagine going into a bank where the teller greets you by name. When you inquire about a small business loan, you talk to a manager who knows you and visits your business regularly. Because you’re a trusted customer, the approval…
Like many Americans, Shauna was laid off during the COVID-19 pandemic. After running through her meager savings, she turned to credit cards to make ends meet. In three months, she racked up $8,500 in charges across four credit cards. Shauna…
We all have our bad habits. Mine is a sweet tooth. I know that I’d be healthier if I could quit eating sugar, but the vague promise of better health in the future pales next to the joy of eating a chocolate chip cookie right now….
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