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Feature Article #1

What is Life Settlement?

Life settlements are financial transactions in which a policy owner possessing an unneeded or unwanted life insurance policy sells the policy to a third party for more than the cash value offered by the life insurance company. The purchaser then becomes the new beneficiary of the policy at maturation and is responsible for all subsequent […]

Popularity: unranked [?]

Justin Kuepper | December 20th, 2007 | Continued

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Feature Article #2

What is Debt Settlement?

Debt settlement, or debt negotiation, is a process by which a third party negotiates with your creditors in an effort to reduce the amount of unsecured debt and money that you owe. The end result is a set monthly payment that you are required to make to your creditors to pay off a reduced principle […]

Popularity: unranked [?]

Justin Kuepper | December 11th, 2007 | Continued

About this Site

DebtAndFinance.com covers personal and business finance topics ranging from home equity lines of credit to startup loan application processes. Our goal is to help individuals and small business owners maximize their profits by instituting strategies to reduce tax exposure and enhance their financial performance as well as keep them informed about the latest trends in […]

Popularity: unranked [?]

Other Recent Articles

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Inflation Outpaces Wage Increases

Employees are expecting another pay raise this year on par with last, but the increase may be offset by rising inflation rates and lower bonuses tied to company performance. Raises are expected to come in at around 4.4% among high performers and 2% or less for more mediocre workers. However, inflation is rising at a […]

Popularity: 52% [?]

28Jul2008 | Justin Kuepper | 0 comments | Continued
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Protect Yourself from Inflation

Inflation is a word that many people hear in the news but do not fully understand. Simply put, inflation is when you pay more for the things you buy because the dollar becomes less valuable to the rest of the world. Currently, consumers are being hit hard with inflation as gasoline prices have soared and […]

Popularity: 56% [?]

15Jul2008 | Justin Kuepper | 0 comments | Continued
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Students & Credit Cards

Students have been increasingly targeted by credit card companies and lawmakers are finally starting to notice. Times may be difficult for homeowners, but teenagers with no credit or job history are finding it easier than ever to get approved for a credit card and start spending like there is no tomorrow. The House Financial Services […]

Popularity: 56% [?]

15Jul2008 | Justin Kuepper | 0 comments | Continued
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Save on Your Prescriptions

Those reaching retirement age may not have to save up for a car anymore, but they are digging deep to pay the increasing costs of prescription drugs. More than half of all insured Americans are now taking at least one so-called maintenance drug for a chronic condition, according to a recent report.
The increased demand has […]

Popularity: 58% [?]

8Jul2008 | Justin Kuepper | 0 comments | Continued
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Find the Right Financial Advisor

Finding the right financial planner can be a difficult task in a world where financial scams are a dime a dozen. Most scams these days are centered around sketchy financial advisors pushing high-commission annuities or reverse mortgages that aren’t needed. Ultimately, carefully screening potential advisors and checking out the plans they offer in detail can […]

Popularity: 65% [?]

25Jun2008 | Justin Kuepper | 0 comments | Continued
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Debt Consolidation Dangers

Debt consolidation is well known in the United States as a way to combine multiple payments into a single monthly check that lowers your interest rate and positively affects your credit score. However, there are several downsides to this process that consumers may want to consider before subscribing to such programs.
The good news is that […]

Popularity: 67% [?]

24Jun2008 | Justin Kuepper | 0 comments | Continued
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Be Smart About Family Loans

Thinking of taking a new loan? Wondering where you can find the best possible terms? The truth is that so-called ‘family loans’ may be the best option to get away with minimal or no interest charges; however, these types of loans are notorious for causing complications with those closest to you. It is important to […]

Popularity: 92% [?]

21May2008 | Justin Kuepper | 0 comments | Continued
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Protect Your Identity

According to a survey conducted by the U.S. Department of Justice, identity theft affects about three percent of all households in the U.S., totaling an estimated 3.6 million families in the U.S each year. To put that in terms of money, identity theft costs an estimated $6.4 billion per year.
Identity theft occurs when someone uses […]

Popularity: 94% [?]

25Apr2008 | Justin Kuepper | 0 comments | Continued
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Top 10 Causes of Debt

There are many factors that can culminate in debt problems for Americans. Here is a list of the ten most common factors that lead to financial problems:

Divorce - More than half of all Americans are divorced at one point or another and it can be very expensive. Between the lawyers, child support, alimony and other […]

Popularity: 100% [?]

14Apr2008 | Justin Kuepper | 0 comments | Continued
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Car Loans Get More Pricey

Car loans are getting increasingly difficult to obtain as the credit markets continue to deteriorate. Lenders are tightening their standards for car loans and now requiring larger down payments and monthly installments. Many buyers that were previously looking for SUVs are settling for compact cars and may not even be able to afford those. The […]

Popularity: 99% [?]

14Apr2008 | Justin Kuepper | 0 comments | Continued
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