Author Archives: Robert Billings

Foreclosure Assistance: Don’t Get Duped By Fraudsters Out There

If you are unfortunate enough to have fallen behind on your mortgage payments, foreclosure will loom large on the horizon that will mean losing your home and also falling prey to unscrupulous people that may try and cheat you of your property and rights. Continue reading

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Using Equity Lines Of Credit For Debt Consolidation

Over the past few years, new lending options have cropped up in banks all across the country. These days equity lines, and loans have become common household staples, and consumers have new and creative ways to borrow money, finance their homes, and consolidate their debt. Continue reading

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Eligibility for Child Care Credit

In today’s society, two income families are the norm. Both parents have to work to pay the bills. That means the children need to be looked after by a trusted third party. The government wants to reward those dedicated parents at tax time. Continue reading

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Be Proactive in Preventing Identity Theft

According to statistics from 2006, identity theft happens to more than eight million people a year. As a result, there are a slew of companies offering services to prevent identity theft. There ARE measures that the average person can take though that will help prevent identity theft. This includes protecting your privacy,and your personal information, shredding mail and financial documents, and monitoring your credit diligently. You might also consider purchasing identity theft insurance. It won’t stop identity theft from happening, but it will prevent theft from taking over your savings and ruining your credit. Continue reading

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Bad Debt Expense: What Companies Need To Be Aware Of

One of the factors that a business must account for in estimating and calculating their earnings is the portion of their collectibles that will not be paid. This number for a company is called bad debt expense. For every dollar that a company is owed, they must estimate an amount that will not be collected. Continue reading

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Getting Out Of Debt Faster Through Debt Settlement

Debt settlement is one of the simplest tools that can be used to reduce debt balances for a borrower. In essence, debt settlement means contacting a creditor and settling on a reduced loan balance. If a consumer owes $18,000 in credit card debt and has other obligations that make it impossible to make timely payments, debt settlement is a very attractive alternative to declaring bankruptcy. Continue reading

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Don’t Spend More Than You Make

It has become increasingly common for people to be over their heads in debt. In fact, it is like that one of your neighbors, family members, or best friends finds themselves in that situation. Many people are in a bind economically because they don’t live by this simple principle: you can’t spend more money than you make. Consider some of the following pointers that will help you avoid this mistake. Continue reading

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The Secret To Avoiding The Temptation To Spend Money

None of us wish to put ourselves into debt. We work our best to try to avoid it, but often the lure of credit cards and delayed payment specials is too strong for us to avoid. In order to cut back on your spending, it involves great discipline and an honest try. Continue reading

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