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Robert Bain's Articles in Personal Finance

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  • Are there errors on your credit report?
    Identifying and resolving errors on your credit report can help ensure you don't have trouble buying what you need or you really want. It also means you can pay less for it than someone else due to having a high credit score. The amount of money that credit costs you can be unbelievable if you have a low credit score. At least one a year you should be closely evaluating what is on your credit reports.
  • Tips For Establishing A Family Budget
    Have you ever been really excited about a raise at work, yet less than six months later you can't figure out where that money is? This is often due to a person not having a good budget in place. They simply are spending all the money they have and in some instances more than they are bringing in by relying on credit cards. You need to be very aware of what is going on with your personal credit.
  • Is Joint Credit A Good Idea?
    Joint credit is something many people engage in when they are married or in a serious relationship where they share their finances. No one gets their finances mixed up with someone else for a short term relationship. This is something that they anticipate lasting forever.
  • Protect Your Personal Credit From Identity Theft
    Identity theft has become a huge issue in our society. This is the process of someone accessing your personal information and then using for their own gain. There are many different ways in which they are able to do this. A great deal of the mail you toss into the trash has personal information on it. Always shred those documents as well as those pre approved credit card offers.
  • Loans For Bad Credit
    Having bad personal credit isn't something to be proud of. It is going to result in the credit you do access costing you more money. Instead of saving some you will continue to be paying off loans with your disposable income. There are many reasons why people have bad credit though. There are also those that don't have any credit at all for a lender to base their decision upon.
  • Don't Fall Into The Trap Of Debt Consolidation
    Debt consolidation is the process of combining debts you have into one payment. Sometimes this process can really help your overall financial situation but other times it can just make it worse. There are many different factors that you need to take into consideration before you decide if this may be something that is right for you.
  • Help To Get Rid Of Your Credit Card Balances
    Getting rid of your credit card balances can become a reality for you instead of just something you dream about. It may seem like an impossible task when you look at the big picture but don't let those amounts frighten you. Focus on what you will do with all the money you save on interest after they are paid in full. If you continue to pay only the minimum balance though those bills are going to haunt you.
  • Personal Credit Issues To Be Familiar With
    Too many people in our society are sent out into the real work without any education in the area of personal credit. As a result, they can end up with problems at a very early age. Charging up clothes and fun things on a credit card and then not being able to pay for it later is a problem. Establishing good credit needs to be a priority and something we are teaching our children about.
  • Do All You Can To Protect Your Personal Credit
    Most people don't set out to be careless with personal credit, but that is exactly what happens. They find it encouraging that they are getting credit card offers and most of us have a get it now and pay for it later exposure. It can be difficult to see others having those things you really want to have too. One rule of thumb to live by is if you can't pay off your credit cards at the end of the month you shouldn't make the purchase unless it is an emergency. This means you don't want to take a nice vacation and they have to pay for it over the next year.
  • Prepare For Holiday Shopping
    We have all seen those holiday shoppers with a smile on their face and packages in hand. Others seem very strained by the whole process, and that is often due to the financial cost of holiday shopping. For those that have a budget that doesn't leave very much money left over, it can be an uncomfortable time of year. There are plenty of things you can do though to prepare for holiday shopping.
  • What Are The Risks Of Co-Signing On A Loan For Someone?
    Co-signing a loan for someone is a huge commitment so think about it before you put you name on that dotted line. You may be a good candidate to be a co-signer because you have worked hard to be responsible with your own credit. This means you can get the funding you need without too much effort. You also know you will be able to get good interest rates on credit cards, vehicle purchases, and buying a home. This will save you money that would otherwise be wasted to pay for high interest rates.
  • The Pros And Cons Of Secured And Unsecured Credit
    Knowing some basic information about unsecured and secured credit can help you decide which is right for you. It is also important to understand that any type of credit you access needs to done only after you have carefully evaluated what it has to offer. Don't forget to look at the big picture as the credit may look enticing until you discover just how much it is going to end up costing you.
  • How Much Do You Know About Corporate Credit?
    How much do you know about corporate credit? If you own a business or you are thinking about starting a business then hopefully you know a great deal about it. The common information that most people know is that it is needed for businesses to have capital and that it can be difficult to get. There is much more you need to know about corporate credit though so you can have a successful business you are proud of.
  • Getting The Credit You Need For Your Business
    Does it ever feel like no one wants to give you credit when you really need it. But when your personal finances are going well, you are getting offers left and right? Welcome to the reality of getting business credit, and I will tell you right now it is much harder to obtain than personal credit.
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