Articles written by Michael Killian - Page 4

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About me - Michael Killian

Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year.

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Personal Finance > Credit Cards Credit cards: Dirty little secrets: 10 of 11
Do you know about credit cards and their dirty little secrets? I make my living knowing about them and I was unable to answer all the questions at a great quiz from the PBS Frontline program Secret History of The Credit Card at Credit Card Quiz. Take the quiz and see how much you do or don't know about universal default, and ... More..
Business > Finance & Insurance Payday Loans: What you should know about them: 11 of 12
"Loan-Sharking" equates to usury, which is charging interest above an established legal rate. "Pay Advance", "Check Advance", "Deferred Deposit", "Payday Loan", or any other label like it is lower than loan-sharking. It is a legal, multi-billion dollar industry that you do not want to get lured into.As a young military in Kor... More..
Personal Finance > Managing Debt Get out of debt: 55 of 59
Okay! You feel your debt is out of control and it is too late to say, "I wish I had taken action sooner." What do you do? First of all you don't panic and you keep things as simple as possible. Secondly, look to see just how bad it really is. Third, decide which of 4 actions to take with your debts:Ignore them.Pay them.Negoti... More..
Personal Finance > Credit Cards Tips for improving your credit score and keeping credit cards open: 13 of 13
Can I improve My Credit Score? The first and most essential trick to improving your credit score is insuring the accuracy of each of your credit reports. Only after you are certain of their accuracy should you begin planning other steps to improving your credit score.Your credit score can be improved and maintained at its pea... More..
Personal Finance > Managing Debt What traditional debt counselors don't want you to know: 7 of 7
Are you in need of SPECIALIZED Debt Management (counseling)? Like many today I was under the impression that "traditional firms" such as Consumer Credit Counseling Service (CCCS), National Foundation of Consumer Credit (NFCC) member firms and other "non-profit" firms were the standard for the industry and that EVERYONE with a... More..
Personal Finance > Financial Planning Financial planning: Commonsense ways to put more spendable money in your pocket: 6 of 6
The way to more spendable money is not complicated. You either decrease expense or you increase income. Decreasing expense is the subject of numerous other articles at this site. Increasing money and doing it through a common sense approach is the current subject.How Much and Why? - Without an objective, how will you ever kno... More..
Personal Finance > Financial Planning Financial planning: First steps on your journey of financial success: 2 of 2
If you want to change any habit, change the actions that produce the habit. Within this article you will learn the most powerful 5 step system I have ever seen to change any habit plus 2 key bonuses that add rocket power to your efforts.SuccessConsider the following definition: Success is a progressive realization of worthwhi... More..
Personal Finance > Retirement Senior debt: A growing financial problem for seniors: 2 of 2
Chris Tapp, UK deputy director of Credit Action, said: "Retirement should be a time for some well-earned relaxation, but for all too many it is a time of financial stress when we consider that inflation hits the over-60s hardest, pension provision is looking increasingly shaky, and we have moved away from a savings culture, w... More..