Archive | March, 2015

Liability for Unauthorized Purchases on Your Credit Card

26. March 2015

Comments Off on Liability for Unauthorized Purchases on Your Credit Card

You’ve found a fraudulent charge on your credit card. Now what do you do? The FCBA, Fair Credit Bill Act, can often help you. According to FTC.gov, this law “applies to “open end” credit accounts (credit cards) and revolving charge accounts, i.e., department store accounts. It doesn’t cover installment contracts — loans or extensions of […]

Continue reading...

Financial Advisors and Brokers: Will Robots Replace Them?

24. March 2015

Comments Off on Financial Advisors and Brokers: Will Robots Replace Them?

It’s very important to research a financial professional of any sort. They will have access to your personal information for one thing, and another is that you will be relying heavily on their advice. You want to be sure that their values align with yours, and you can trust them. How can you decide who […]

Continue reading...

Chapter 7 Lien Strips in Jeopardy?

20. March 2015

Comments Off on Chapter 7 Lien Strips in Jeopardy?

This month the Supreme Court is expected to hear arguments about the stripping off of liens in Chapter 7 bankruptcies. There was some excitement in 2012 when a decision by the Eleventh Circuit Court, re McNeal No. 11-11352, stated that unsecured debt should also be able to be “stripped off” in Chapter 7 bankruptcies—not just […]

Continue reading...

529 Plans

17. March 2015

Comments Off on 529 Plans

529 plans are one of many ways to save for college. This type of plan is usually run by the state, but they may be used out of the home state. This is something many find to be an advantage over programs like the Florida Prepaid College Fund or similar program for other state universities, […]

Continue reading...

Net Neutrality

14. March 2015

Comments Off on Net Neutrality

According to Wikipedia, “Net neutrality (also network neutrality, Internet neutrality, or net equality) is the principle that Internet service providers and governments should treat all data on the Internet equally, not discriminating or charging differentially by user, content, site, platform, application, type of attached equipment, or mode of communication.” Examples of discrimination could be because of the IP address or perhaps protocols for certain sites […]

Continue reading...

IRAs and 401Ks: What’s New and What’s the Same?

3. March 2015

Comments Off on IRAs and 401Ks: What’s New and What’s the Same?

2015 saw changes to what you can contribute to your 401k; the limits have been raised by $500. However, IRA contribution limits have not been changed this year. In addition, other types of accounts have seen some various changes to contribution levels. This article on Forbes.com delves deeper. Other recent news that would be of […]

Continue reading...

Zombie Debt

2. March 2015

Comments Off on Zombie Debt

Filing bankruptcy should rid you of many of your bills if it is filed correctly. Some debts are never erased by bankruptcy, however. And some bills that should be erased aren’t being erased—thus the term zombie debt. Some debts that are not erased via bankruptcy include the following, depending on the type of bankruptcy you […]

Continue reading...