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Dollars & Sense

  • Getting the best deal on prepaid phone cards
    By Dana Dratch -
    Posted Jul 2nd 2003 6:55AM
    Just like a pair of shoes, you want to look for the card that fits you best. Before you buy, look at your needs. If you'll be making frequent short calls, avoid cards with connection fees or calling minimums. But if you're making longer calls less frequently, it might be worth trading a reasonable connection charge for a lower per minute rate.
  • Dealing With Debt - Recovery
    By PBS Tax and Bookkeping Service
    Posted Jun 3rd 2003 8:04AM
    Bankruptcy has a negative effect on your credit rating and stays on your credit report for 7 to 10 years. It is difficult to obtain a credit card after bankruptcy, at least for the first several years.

    The good news is: You can eventually rebuild your credit even if you've had to file for bankruptcy. It's possible to get a major credit card or loan usually two years after filing bankruptcy.
  • Addicted!
    By Gary Foreman - The Dollar Stretcher
    Posted May 29th 2003 5:26AM
    Consumer debt in the U.S. reached a total of over $1 trillion in 1999. Credit card debt was over $500 billion. Over 1.2 million Americans filed for bankruptcy in 2000 according to the American Bankruptcy Institute. That's up from 330,000 in 1980.

    Here is one woman's story about the financial pit she and her husband have dug for themselves.
  • 10 ways to bounce back after bankruptcy
    By Dana Dratch -
    Posted May 21st 2003 7:58AM
    "Nothing's out of the question," says one financial advisor. "I think the problem people run into is just their level of desperation. Wait two years. You can still apply for mortgages and other types of loans if you can show you're responsible and can be trusted."
  • Why I Can't Save
    By Gary Foreman, The Dollar Stretcher
    Posted May 16th 2003 9:15AM
    Each week we get emails and letters from readers. And we hear a lot of good reasons why people don't save money. Thought that this would be a good time to share the best ones with you. - Gary Foreman
  • Dealing with Debt
    By PBS Tax & Bookkeeping Service
    Posted May 7th 2003 10:43AM
    Are you are facing financial difficulties and find yourself in a bind? Is it difficult to make your monthly payments?

    First of all you must face the problem head on. Start by contacting your creditors to see if they are willing to work with you. Explain that you're having financial difficulties.

    They may be able to adjust your payment schedule, possibly allowing you to pay lower monthly payments. You may be able to skip a payment all together, adding it to the end of a loan.

  • The eye witness to you and your truck getting creamed
    By Dan Baldyga
    Posted Apr 9th 2003 11:00AM
    When you and your truck have been smashed into one of the most important sources of help is the eye witness to that impact, with their accounts and recollections as to what happened.
  • Dealing with Debt
    By PBS Tax & Bookkeeping Service
    Posted Apr 8th 2003 5:00AM
    If what you are spending each month is more than what you're bringing in, you have to make adjustments. You have to lower your expenses while still meeting your basic needs. The money specialists at PBS offer helpful advice for us all.
  • Your truck accident - collecting for lost wages
    By Dan Baldyga
    Posted Apr 2nd 2003 9:30AM
    Lost wages are one of the most important elements of your damages. Listen to me carefully when I say, "You should not think about the days you missed from work as Lost Time and Earnings. It's not Lost Time and Earnings - - it's Lost Earning Capacity"
  • To Lien or not to Lien? That is the Question
    By James E. Mennella and Jeff McConnel, Attorneys at Law
    Posted Mar 26th 2003 7:00AM
    Having trouble getting paid by a trucking company? Would filing a lien against the company be a solution? Is the lien a better process than a lawsuit in recovering monies owed to you? The attorneys from Road Law share their expertise with us.