Comparing Visa Credit Card Offers Including Chase Platinum and Discover Platinum

Posted by Aaron Rawlings | No Comments

Visa credit cards are very popular, and there are many options including cards tailored to the needs of students, individuals, and both large and small businesses. The credit limits range from $250 on up, and you can apply for a card online. It can be a little daunting to select the card you want, but there are some tips to make it easier for you.

When you apply for a Visa card, youll need to prove you have a job and offer copies of your credit reports and a little personal information. Of course, be sure to read the terms and conditions carefully before applying for the card. Because there are many different cards available, it can be tricky to sort out the differences. However, reading the fine print is very important in order to find the right card for your situation.

Many Visa cards have a zero percent introductory interest rate.

Read full post…

Verifying Material Facts for the Listing

Posted by Alana Renard | No Comments

The “Due Diligence” Verification

Ontario Real Estate Source

By Brian Madigan LL.B.

Real estate professionals are obligated to conduct their own due diligence when taking a listing. Tha

Read full post…

New Year, New Credit Repair: Five loans to Avoid in 2012

Posted by Levi Templeton | No Comments

2012 is fast-approaching, and it’s time for resolutions. If your finances were less-than-stellar this year, credit repair should be at the top of your list. While debt reduction and money management are great ways to stay ahead of the curve, avoiding potential trouble is critical as well. For that reason, borrowing money is both the easiest and most daunting way to land yourself deeper in debt. If you do find yourself entering the New Year on a tight budget, reconsider applying for the following types of loans before signing on the dotted line. Their consequences could halt your credit repair resolutions before they’ve begun. Avoid:

  1. Tax refund loans. The New Year means tax refund time—a much-needed source of funds for millions of people. While

Read full post…

Florida Victims of Tax Fraud Sue IRS

Posted by Alana Renard | No Comments

Florida residents beware! Law enforcement officers have noted an extremely high increase in tax fraud in the Tampa Bay area. Postal officials have intercepted hundreds of millions of dollars of suspected fraudulent tax refunds. Many residents have expressed their dissatisfaction with the efforts put in by the IRS to combat the scourge. In the meantime, lawmakers in Washington have introduced legislation and convened hearings to find ways to overcome the menace.

One such couple who had their tax refund stolen through fraud was Jay and Christine Gordon.

Read full post…

Weekly Roundup: End of Year Credit Score Surprises

Posted by Aaron Rawlings | No Comments

First, we are posting our weekly roundup a day early this week as many of you may be cramming in last-minute shopping before Christmas Day.

While last-minute shopping is on your mind, here are a couple of highlighted posts to help avoid credit score surprises when the shopping spree ends.

Martha C. White of Time Magazine wrote about the 5 Things That — Surprisingly — Don’t Hurt Your Credit Score. Martha points out that

1. How much money you make, 2. Whether or not you have a job, 3. Whether or not you revolve a balance, 4. Whether or not your home is underwater, and 5. How much money you have in the bank do not determine your scores.

Next, Credit Karma posted on LearnVest.com that there are 10 surprising things that hurt your credit scores. What are they?

1. Renti

Read full post…

Woman Faces Cancer, Files Bankruptcy, Wins Malpractice Case, Sues Former Bankruptcy Trustee – …

Posted by Aaron Rawlings | No Comments

The following is an epic tale of medical and financial wrong-doings.

Sixteen years ago, Michelle DiLieto had her reproductive organs surgically removed following a diagnosis of cancer. A wrong diagnosis, it turns out. With huge medical bills and ongoing complications, the Connecticut resident filed for bankruptcy the next year.

Ms DiLieto sued her doctors and Yale University in January of 1997; however, the case slogged through the judicial system for a year, eventually landing at the state Supreme Court in 2010, where a $9.2 million judgment in DiLeito’s favor was upheld. Currently, she is involved in another court fight with Michael J. Daley, her former bankruptcy trustee, a disbarred Farmington lawyer who is facing prison time and who charges that DiLieto owes him $80,000 in legal fees. <

Read full post…

How You Can Master The Plastic Part 2

Posted by Alana Renard | No Comments

Are you ready to master the plastic and save thousands of dollars? Will you finally figure out what all the hype on responsible credit card use is all about?

At the beginning of the week I shared an extensive piece on how you can master the plastic in your wallet. Today is time for part two. Let’s continue on with how you can use credit cards to your advantage.

Pay off your monthly credit card balance.

This goes without saying. You have to pay off your monthly balance. I’m going to assume that your goal is to pay off your balance.

We all want to make good decisions. Real life just gets in the way sometimes. Nobody gets a credit card with the plan to not pay it off. Nob

Read full post…

Ho, Ho, …Hum? Make the Most of Your Holiday Downtime

Posted by Levi Templeton | No Comments

You’re stuck at the office but things have slowed to a crawl. The phone’s not ringing and you’ve already updated your Facebook page. What to do?

The Legal Intelligencer has a great post by Neen James with some great tips for cleaning up and preparing for the New Year by organizing your 2011 mess including:

  • Clearing, deleting or filing those read e-mails in your inbox.
  • Throwing out unwanted, unread journals that you have been “meaning” to read, but haven’t and won’t.
  • Entering details into your contact management system of the business card pile that is gathering dust on your desk.

In addition to those mundane housekeeping tasks, she also offers ideas for activities involving your firm’s team and client strategies.

Part I:

The crazy holiday season … why does it make our hearts beat faster knowing we have so much more “to do” and so little time to achieve it all? Why is it we

Read full post…

Security Lessons Learned From “Home Alone”

Posted by Alana Renard | No Comments

Home and personal security is a big part of personal finance. After all, you don’t want to work hard for what you have only to have it taken away by thieves. Neither do you want to be physically injured by someone who is after your stuff. While security is a very serious subject, the movie “Home Alone” provides some important lessons in a lighthearted format. On the surface it’s just a fun holiday movie. But if you watch closely, you can learn some important security do’s and don’ts that apply during the holidays as well as the rest of the year.

Don’t Tell People You’re Leaving

In the movie, the family confided in the “cop” (really the burglar in disguise) that they were leaving. The burglar then kn

Read full post…

Low Interest Secured Credit Card

Posted by Aaron Rawlings | No Comments

Many people believe that if they have no other option but to seek a secured credit card that they must then be a slave to high interest rates and all sorts of unsavory terms. If this is the position you have found yourself in, you will be pleased to learn that you can actually find a low interest secured credit card with ideal terms.

Below are a few tips to help you find the best option for your specific situation.

High Fees Mean Low Interest: While no one wants to pay high fees, such as annual fees, monthly fees, maintenance fees, etc., they do actually mean your interest rate will be lower. Since the credit card company will not be making as much money on the interest, they try to recoup some of their loss by tacking on fees.

Search for Promotional Rates: Even though promotional, or introductory rates, do not last forever, they can be quite helpful in the short term.

Read full post…