http://www.isnare.com/?s=author&a=Michael+Killian Finances Michael Killian Tue, 04 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=120155&ca=Finances 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:... Finances Michael Killian Tue, 04 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=120156&ca=Finances In the field of debt collection and delinquencies, judgments and judgement risk factors are a very real concerns. Will a creditor sue and seek legal judgement against me? If he does, what type judgement might it be? What exactly is a judgement and what can I do about it? These are just some of the q... Finances Michael Killian Thu, 28 Feb 2008 00:00:00 -0800 http://www.isnare.com/?aid=130809&ca=Finances If you are an employee, you can get a 40% pay raise without ever asking the boss. And it's all tax-free. Similarly, if you are an employer, you can show each of your employees how they can earn a 40% pay raise and it won't cost the employer a thing. Before writing me off as being a pair short of a f... Finances Michael Killian Tue, 26 Feb 2008 00:00:00 -0800 http://www.isnare.com/?aid=120081&ca=Finances What is a credit score? Is there a good or bad side to credit scoring? How is a score calculated? What is "FICO"? What are the benefits of credit scoring? What are the down sides? In a nut shell, a high credit score helps your request for credit to be approved. It can also mean lower interest on loa... Finances Michael Killian Tue, 26 Feb 2008 00:00:00 -0800 http://www.isnare.com/?aid=120085&ca=Finances 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 improv... Finances Michael Killian Wed, 20 Feb 2008 00:00:00 -0800 http://www.isnare.com/?aid=120593&ca=Finances What do you do when all of a sudden the month is just beginning and the $$$$'s are gone? You put the emotion away and get crackin' with bill priorities and some cold hard facts about your bills... and maybe even the priorities in your life. Believe it or not, some bills are definitely more important... Finances Michael Killian Wed, 20 Feb 2008 00:00:00 -0800 http://www.isnare.com/?aid=120636&ca=Finances LOWER YOUR PAYMENT BY 50% - You've seen the ads. They certainly are enticing especially when you are buried under a mound of debt. But should you do it? What’s this all about? Chances are they are talking about debt negotiation or debt settlement. Is debt negotiation right for you? What are the pros... Finances Michael Killian Thu, 20 Dec 2007 00:00:00 -0800 http://www.isnare.com/?aid=128523&ca=Finances Credit cards are just like drugs. There is no better analogy. They offer short-term pleasure and long-term pain. They give the illusion of having more money than you actually do. Then you live with less because each month a portion of your income is siphoned away paying past credit debt. A Building... Finances Michael Killian Wed, 21 Nov 2007 00:00:00 -0800 http://www.isnare.com/?aid=127131&ca=Finances Have you ever asked yourself why there always seems to be too much month left over at the end of the money? This article attempts to explain that monthly crisis by exploring how we have been lulled into thinking in terms of "monthly" instead of "total" cost. Actually, the monthly phenomenon has more... Finances Michael Killian Wed, 21 Nov 2007 00:00:00 -0800 http://www.isnare.com/?aid=127905&ca=Finances File Segregation Scam If you have filed for bankruptcy or have bad credit generally, you could be the target of a fraud the Federal Trade Commission (FTC) calls “file segregation”. In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit id. That...