Mr. Weinberg's insightful articles & real-world experience in handling all kinds of credit card & mortgage debt will put you on the path to financial success. Tips, Techniques, and proven methods for improving your situation.

Published On October 17th, 2011

Many times, I talk to people who ask why multiple credit checks are being done on their credit report without their knowledge. In many cases, the customer is shopping for a new car or thinking about buying a home. Sometimes this can even happen without the person’s permission. Let’s say you’ve starting the house hunt, and have looked at several houses but haven’t found the right one. In the meantime, your real estate agency could have run a credit check on you, as well…

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Published On September 11th, 2011

There’s no denying that credit cards can be useful financial tools, but they come with some dangers. While debt is the most obvious risk, it’s far from the only one. There is plenty of debate over whether or not you should use credit cards, especially if you are in debt. If you have credit cards, you want to be sure you are using them to your advantage and avoid costly mistakes.

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Published On August 22nd, 2011

The days when you could send your kids off to the first day of school with a lunchbox and a hug are long gone. Today’s back-to-school preparations likely include filing out piles of pre-enrollment paperwork, lining up carpools and, of course, the dreaded shopping excursions for clothes and school supplies.

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Published On August 5th, 2011

Your mortgage is just one element of your financial plan. And, if you’re making large credit card payments every month – which means you’re paying more in the long-term in interest on these payments than if you were able to use some of your equity to pay off your debt – than your mortgage is standing on its own, instead of helping you increase your overall worth.

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Published On June 24th, 2011

A decade has passed since the vault cracked open and we started learning how credit scores really work. For years, the creators of the leading credit scoring formula, the FICO, didn’t want consumers to know the scores existed, let alone what went into them. In early 2000, however, E-Loan started letting customers see their FICO scores. That free experiment was quickly shut down, but the secret was out.

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Published On June 16th, 2011

If you are turning prematurely gray with fear of foreclosure and frantically looking for a way out then consolidation of much of your debts might be a solution to your worries. Opting for a debt consolidation plan will help you to show your mortgage lenders that you take your debt obligations quite seriously and have properly restructured your debt so that you can afford to make mortgage payments on time in future. With debt consolidation you can merge your multiple debts and pay through a single…

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Published On April 26th, 2011

American consumers have 609.8 million credit cards in their collective wallets, and the average household carries nearly $8,000 in credit card debt. While credit cards are convenient payment methods, they are not a great way to carry debt because of high interest rates that can change month to month.

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Published On April 24th, 2011

So many of us have the goal of getting out of debt. Nobody really wants to live with hundreds of thousands of dollars, or even hundreds of dollars, in debt hanging over their heads. The trouble is, how do you eliminate that debt? Do you think to yourself “If only I made more money, I’d be rich?” Do you look at your financial picture and see no way out? Do you give up on your goal because it’s too hard to work on it today?

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Published On April 22nd, 2011

It’s been just a few days since the income tax filing deadline, and several clients & friends who filed early are already receiving income tax refunds. That brought up many questions regarding the best ways to use income tax refunds to make smart moves to get out of debt & improve your financial situation. The Internal Revenue Service indicates that 78 percent of U.S. individual taxpayers receive an income tax refund.

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Published On April 15th, 2011

For many people, there is a big moment in their life when they think “I need to evaluate my finances and get out of debt.” This is a life-changing moment. What happens when you have that moment? You spend hours, days or weeks researching the best way to get out of debt. You sit down and take a real, hard look at your personal finances. You account for every penny brought in and spent.

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