A cash tax refund anticipation loan, also known as a RAL, is a way for a tax filer to get their refund immediately. The tax preparation company prepares the consumer’s tax return, calculates their tax refund, and offers cash to…
Realizing you have a low credit score — or no score at all — can be alarming, especially if you learn this information via a denied loan application. But if you’re a borrower with a less-than-stellar score, there are ways…
In the housing industry, it’s called “negative equity.” In the automotive industry it’s called being “upside down.” In both cases, it means the same thing: You owe more money on an asset than the asset itself is worth. When you’re…
The prospect of free travel is so alluring that an entire industry has sprung up around collecting frequent flyer miles. Hotels, rental car agencies, and of course credit cards all offer enticing programs. While many people enjoy exploiting these programs…
You drive a beat up ’95 Honda Civic and your spouse drives a shiny new BMW. You go to the mall and buy what you intended to buy, but your spouse comes home with a few of the latest gadgets…
The main issue that discourages most people from filing bankruptcy is the detrimental effect is has on their credit. It’s true that a bankruptcy can stay on your credit report for up to ten years and it seriously hurts your…
Few life events are as stressful as bankruptcy. Every penny, asset, and source of income is put under the microscope for dissection. When it’s over and you finally receive your discharge or dismissal, you realize you’ve only reached the end…
Each year, more than 700,000 people in the U.S. file for bankruptcy, according to the United States Courts. Many of these people likely look at bankruptcy as a chance to erase their debt and start over. Although that’s true for…
When you have so much debt that it seems like you’ll never pay it off, bankruptcy can seem like your best or only option. What happens to your debts after you file for bankruptcy depends on the type of bankruptcy…
A-list movie stars can earn 20 times the lifetime earnings of the average bachelor’s degree holder for a single film. Top athletes can easily pull down $20 million, $30 million, $40 million, or more per year, depending on how their…
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