Debt Settlement vs. Debt Consolidation – Which Option is Better?

Debt Settlement vs. Debt Consolidation

Debt settlement and debt consolidation can reduce and eliminate your debt. However, each will have different consequences on your credit score and future financial options.


By: Carrie Reeder

Both debt settlement and debt consolidation can reduce and eliminate your debt. However, each will have different consequences on your credit score and future financial options. Before choosing either option, educate yourself on the pros and cons of each.

The Benefits of Debt Settlement
Debt settlement means that part of your debt is immediately wiped out by your creditor. You will find instant financial relief in your monthly budget and …

Read More »

Ways to Resolve a Credit Report Dispute

Credit Report

You can report and correct errors in your credit report. If you are correct, disputing an error in the report will provide good results as they will report the error to the credit bureaus and send you notification of the change.

By: John Rivers

Under the Fair Credit Reporting Act the reporting company and the information provider are responsible for correcting any credit report disputes. However, they must first be made aware that you have credit report disputes. A person can report and correct errors in their credit report by following two easy steps.

Step one is to report your …

Read More »

Ten Things You Might Not Know About Social Security


Social Security Benefits

After you attain your Normal Retirement Age, you may work as much as you want with no reduction in Social Security benefits. However, Social Security disability benefits do not continue past Normal Retirement Age.


By: Ken Morris

Social Security is a lot like the ozone layer–we all know it’s there now and we count on it being there in the future. Yet most people don’t know much more about it than that.

Here’s a short list of interesting facts about Social Security.

(1) Social Security benefits do not automatically start coming in the mail the first day …

Read More »

Lower Your Car Insurance Premiums


Lower Your Car Insurance Premiums

A clean credit history and a reasonably clean driving record represent a smaller risk for the insurance company. Many insurance companies offer discounts if you install safety features and an anti-theft device in your car.

By: Samuel Beatson

Some Tips To Lower Your Auto Insurance Costs

1. Get Multiple Quotes:

Find out what your State’s requirements with respect to car insurance are. Go to the National Association of Insurance Commissioners web site. Then choose your state’s website and click on it. You will the find complete information about the coverage you need.

Now visit different car insurance websites. Click …

Read More »

A New Way to Buy Prescriptions


Prescription DrugsThere are many factors that go into our failing health care system but one of the most obvious is the cost of prescription medication. Shopping for the best prices in your prescription drugs will assist the health care system.

By: Scott Bianchi

Everyone is well aware of the problematic health care industry. It seems the more and more you pay for your health care benefits the less and less they cover.

There are many factors that go into the reasons for this failing health care system and I won’t go into all of them. One of the easiest …

Read More »

One More Time… Do Women Make Better Leaders than Men?

Business Woman


Is leadership gender neutral, or does gender matter? Are men better at the leadership thing in practice, or do women have better leadership attributes in theory?

By: Dr. Anthony F. Smith

Author of The Taboos of Leadership

An outsider, studying our culture from the headlines on business and news magazines, might wonder what all the fuss is about. Women wanted the top jobs, then they got them, then they didn’t want them anymore. Men wanted to keep women out, then they thought that becoming more feminine would give them a competitive advantage, then they got tough and ruthless all

Read More »

Getting Back on the Career Track

Career Woman If you’re not sure whether or not you want to return to paid work, visit the Back on the Career Track Website and take the Relaunch Readiness Quiz. Career counselors, recruiters and employers, can help.



By: Carol Fishman Cohen and Vivian Steir Rabin

Authors of Back on the Career Track: A Guide for Stay at Home Moms Who Want to Return to Work

Would you like to return to the work world but are concerned about how to find an opportunity that will allow you to fulfill your family or other non-work obligations, nervous about how to “market …

Read More »

Tips to Help You Save Money on Auto Insurance

Save Money on Auto Insurance

Many insurance companies have Good Student, Accident Free, Claims Free, Senior, Automatic Seatbelt, Car Alarm discounts and more. However, some insurance companies don’t offer them; you might have to ask for the discounts.

By: Cristina Toney

  • The higher your deductibles are on Comprehensive and Collision, the cheaper your policy will be. I recommend no less than $500.00 each, and if your car is already damaged or is over 10 years old, you may not need this coverage at all.
  • If you are a senior, ask your Agent if there is a driving refresher class you can take to get a

Read More »

Eight Steps to Finding and Creating the Work You Love

Work You Love

Test-driving your dream job with a mentor provides a hands-on experience that has the potential to change your life.

By: Brian Kurth, author of Test-Drive Your Dream Job

Many of us are still trying to figure out what we want to be when we grow up. We may have good jobs and nice paychecks, but we are not really happy in our work. We daydream about the “what if’s” in our life and long for the chance to discover and explore the job of our dreams. Identifying your dream job and the path that will take you there is …

Read More »

Notes from the Opt-Out Universe

Driving to Work

In record numbers, we are getting off the career freeway that was paved by our feminist foremothers, and taking exits that lead us back to marriage and motherhood, financial dependence, cookies and gardening.

By: Wendy Walker, author of Four Wives

As a twelve-year veteran of the suburban “opt-out” culture, I am intrigued by the renewed and misguided discourse on the social dynamics of the insular universe I inhabit. I see the points that are being made. In record numbers, we are getting off the career freeway that was paved by our feminist foremothers, and taking exits that lead us …

Read More »

Talking to the Boss and Getting What You Want

Talking to the Boss

Always approach your boss with respect especially if you’re looking for a really big raise, a really big promotion or anything you’re really not entitled to but want anyway.

By: Melissa Kirsch

Shorter hours, a pay raise, change of title, promotion. These are all reasons to initiate a talk with the boss. But remember this when approaching him about changing something in the workplace: Your boss’s number-one priority is to make sure you are satisfied enough to do your job well. Otherwise, everyone loses, including him. Always approach your boss with respect and promise yourself never to kiss ass …

Read More »