Even those who are young and healthy need to think about their future beforehand. A medical emergency may hit you or anyone from your relatives all of a sudden leaving you unprepared. The healthcare is really expensive in the USA, so facing an urgent illness or medical procedure can reach thousands of dollars.
How can you afford to pay the hospital bills?
Here is your guide on how to get medical bill assistance and cover the costs even if you don’t have health insurance.
"In times past, your social security number was the most influential number known to man… However, there is a three-digit number that is giving the social security number a run for its money…"
- Cornelius J., The Credit Repair Book: The Credit Repair Company's "Secret Weapon"
Have you ever thought about improving your credit score? Do you know how many benefits you may get if you finally manage to do it?
In fact, boosting your score may result in having lower interest rates for various loans and better lending options.
Robert M. Church, M.Ed, BS, the Executive Director of the DoughMain Financial Literacy Foundation kindly agreed to answer a few questions about the project. Here is what he told us.
Annual income – twenty pounds, annual expenditure – nineteen six, result – happiness. Annual income – twenty pounds, annual expenditure – twenty pounds, result - misery.
- Wilkins Micawber, a clerk in Charles Dickens's 1850 novel David Copperfield
Americans know they need to create a household budget and stick to it. But do you know how many Americans follow it? Well, the answer may surprise you.
It’s only Monday morning but you already find yourself counting down to Friday each week? Well, you are not alone. Just because we are all in different colors, shapes, and sizes, it doesn’t mean we don’t have common wishes. And one of those is about early retirement.
In times where many earn generous incomes, some choose to earn less. Thing is, some can’t wait to retire ASAP, and others hope to attain financial independence and never stop working.
Dreaming of retiring early? Well, it’s a struggle for many. Unless you live on a desert island somewhere, it’s likely you’ve heard of the FIRE Movement.
A credit score and credit report are essential when it comes to financing. It affects your overall creditworthiness and ability to obtain mortgages, personal loans, and auto loans or get a credit card.
However, many people still aren’t aware of their credit or have experienced identity theft in the past. Credit monitoring is a perfect way to keep track of your credit history and know if there are any errors.
What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?
- Adam Smith
It’s hard to argue, life is not much fun when you’ve got lost in financial jungles and struggle to clear credit card debt. Whether it’s about buying things you enjoy or going out for dinner, financial obligations make life feel pretty miserable.
Are you fed up being dread receiving another bill? Good for you. It’s time for some motivation to kick your finances into shape ASAP. Paying off credit card debt is a tough gig, yet, who said you can’t win this battle?
With seemingly everyone talking about podcasting, why not take advantage of it. No matter the topic, listening to these on-demand audio shows can become addicting. They can be as entertaining as they are educational. And personal finance podcasts are no exception, in fact.
The best thing is that you almost always have the option to listen to them for free. Face it, what could be more useful than work toward a secure financial future for free. Time to tap into expert knowledge with the best finance podcasts listed below.
In times where you seek advice from an expert, the best financial podcasts can come to the rescue. Organized in a very ‘do-it-yourself’ format, financial podcasts vary much in quality.
Having a lack of funding is one of the common hurdles for most small business owners. Building business credit could be a tough gig, yet, it is worth doing. It opens the door to more financial opportunities. Plus, a higher business credit score opens the door wider. It gives you a better chance of getting a loan, a line of credit, lower interest rates, and cheaper insurance.
“If you don’t build your dreams, somebody else would hire you to help them build theirs.”
– Tony Gaskin
So, think of your business credit report as an assessment, which means the creditworthiness of your company. At least banks, lenders and other suppliers will strongly rely on it before dealing with you.
Do you know that the District of Columbia’s student debt capital is one of the highest one? Georgia, Maryland and Minnesota follow next. In turn, Wyoming, Hawaii and West Virginia are among the leading states with the lowest student loan debt per capita.
So, what is the reason behind that? Well, according to the US Census Bureau’s American Community Survey, Washington D.C. is one of the most educated metropolitan areas in the District of Columbia. San Jose is a close second.