Michael Killian
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Bad Checks Mean Bad Business
The Avalanche A bad check can cost you a $1500 fine in some states and bad checks are illegal in every state. So before your write a bad check, why take a gamble if you are not certain whether or not there are sufficient funds? We consumers consistently complain about bank errors, fees, interest rates and more. Credible reports indicate banks earn multi billions of dollars annually in bounced or bad check fees and most of... (posted by Michael 3 years 261 days ago.)
The Avalanche A bad check can cost you a $1500 fine in some states and bad checks are illegal in every state. So before your write a bad check, why take a gamble if you are not certain whether or not there are sufficient funds? We consumers consistently complain about bank errors, fees, interest rates and more. Credible reports indicate banks earn multi billions of dollars annually in bounced or bad check fees and most of... (posted by Michael 3 years 261 days ago.)
Cashless Society ...What is Wrong With It?
Have you seen the commercial showing the entire world of people, flowers and animals merrily skipping about until one person writes a check for their purchase? The whole world comes to a dead stop waiting for the consumer to write out a check. The audacity of the consumer to actually slow things down by writing a check. How shocking! That use to be me as I stood in line with my debit card in hand. Then I saw... (posted by Michael 3 years 345 days ago.)
Have you seen the commercial showing the entire world of people, flowers and animals merrily skipping about until one person writes a check for their purchase? The whole world comes to a dead stop waiting for the consumer to write out a check. The audacity of the consumer to actually slow things down by writing a check. How shocking! That use to be me as I stood in line with my debit card in hand. Then I saw... (posted by Michael 3 years 345 days ago.)
Secured Credit Cards – The Good and The Bad
Secured Credit Cards Can Be Good If you are unable to get a normal credit card because of poor credit, all hope is not lost. A secured credit card is different in that it utilizes funds a consumer has placed in a savings account. The secured card is protected by the savings account. Therefore the consumer is "borrowing" from his or her own account. In this way the consumer can re-establish their credit... (posted by Michael 4 years 31 days ago.)
Secured Credit Cards Can Be Good If you are unable to get a normal credit card because of poor credit, all hope is not lost. A secured credit card is different in that it utilizes funds a consumer has placed in a savings account. The secured card is protected by the savings account. Therefore the consumer is "borrowing" from his or her own account. In this way the consumer can re-establish their credit... (posted by Michael 4 years 31 days ago.)
Rapid Refund and Dealing With The IRS
A couple years ago the Milwaukee Journal Sentinel ran a story about Rapid Refunds entitled Poor Workers Got Fast Cash at High Prices. I was really shaken by the following. "Nearly $2 billion in tax credits earmarked for low-income workers instead went to businesses that offer high-interest loans against pending tax refunds [Rapid Refund], according to a new study by the Brookings Institution and the Progressive... (posted by Michael 4 years 40 days ago.)
A couple years ago the Milwaukee Journal Sentinel ran a story about Rapid Refunds entitled Poor Workers Got Fast Cash at High Prices. I was really shaken by the following. "Nearly $2 billion in tax credits earmarked for low-income workers instead went to businesses that offer high-interest loans against pending tax refunds [Rapid Refund], according to a new study by the Brookings Institution and the Progressive... (posted by Michael 4 years 40 days ago.)
FREE Annual Credit Report
A free copy of your credit report is available to every consumer annually. This article discusses the free report as well as repairing your credit report once you have your credit file on hand. Colorado, Georgia, Maine, Massachusetts, Maryland, New Jersey and Vermont always had a right to one free report per bureau each year. But now this same benefit is available in every state - one FREE credit report from each of the three... (posted by Michael 4 years 78 days ago.)
A free copy of your credit report is available to every consumer annually. This article discusses the free report as well as repairing your credit report once you have your credit file on hand. Colorado, Georgia, Maine, Massachusetts, Maryland, New Jersey and Vermont always had a right to one free report per bureau each year. But now this same benefit is available in every state - one FREE credit report from each of the three... (posted by Michael 4 years 78 days ago.)
Divorce, Debt & Credit... Facts you need to know
Before a divorce, during, and after getting a divorce you need to concern yourself with credit... credit establishment, credit files and credit scores. Though divorce and credit is a concern for both men and woman, woman tend to have the greater credit difficulty due to societal standards. Therefore, I encourage woman of any age or marital status to learn as much as possible from this and other articles. ... (posted by Michael 4 years 78 days ago.)
Before a divorce, during, and after getting a divorce you need to concern yourself with credit... credit establishment, credit files and credit scores. Though divorce and credit is a concern for both men and woman, woman tend to have the greater credit difficulty due to societal standards. Therefore, I encourage woman of any age or marital status to learn as much as possible from this and other articles. ... (posted by Michael 4 years 78 days ago.)
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