Recently there has been a lot of buzz about how much money the Mormon Church has in its possession after an accusation came out from former church members and twin brothers David and Lars Nielsen. David was a former employee of church-owned investment firm Ensign Peak Advisors. The claim from the Nielsens is that the…
Article Summary The Public Service Loan Forgiveness (PSLF) program was established by the federal government to allow professionals to have their student loan debt forgiven. Participating in the PSLF program requires you to work for a qualified employer as specified by the US Department of Eduction. Qualified employers include government and non-profit organizations. Only Direct…
Article Summary National Debt Relief is a New York City-based debt relief company founded in 2009 that helps clients throughout the United States reduce their unsecured debt burden through a program that includes services such as negotiating with creditors to lower the amount owed, consolidating debt and reducing the amount of interest being paid, helping…
Article Summary CapitalOne provides free credit scores for credit card holders through their CreditWise monitoring product. When you sign up for a credit card with CapitalOne, you get access to CreditWise as a free add-on service. CreditWise uses TransUnion data to provide CapitalOne credit card holders with a credit score calculated using the VantageScore 3.0…
Making good decisions about the home that you purchase to live in (or as an investment) is critical for being prosperous and building your financial wealth. To help you make better decisions with regard to how you’ll finance your home or another property, this article covers the essentials of how mortgages, not only answering the…
People always seem to be looking for shortcuts to getting what they want. While it’s certainly true that there are more effective and efficient ways of accomplishing something as well as less efficient and less effective methods, easy shortcuts typically don’t produce what most people hope they would. This principle applies to the 609 Dispute…
If you have substantial debt, you’re much like the average American, who carries a personal debt load of about $30,000. That number doesn’t even include a mortgage, which is usually considered a good kind of debt. Instead, that $30,000 average debt load (as reported by Northwestern Mutual’s 2019 Planning and Progress Study) on Americans consists…
Wells Fargo is one of the largest lenders in the United States, one of the biggest banking institutions in the world. They offer all sorts of loans ranging from traditional home purchase mortgages to student loans, personal loans, auto loans, and business loans. Wells Fargo knows a thing or two about lending, including what causes…
Audible, the world’s leading platform for distributing audiobooks and other spoken audio entertainment, is great for a lot of things. In my household, my wife and kids and I use Audible almost every day for entertainment or to educate ourselves on one topic or another. In spite of how much positive I have to say…
Credit Reporting Agencies and FICO Score Understanding how significantly your credit score affects your access to borrow money, you naturally want to know what factors affect your credit score. I will answer that question for you, and I’ll provide other details related to credit scores that should help you make good financial decisions as you…