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For many people, personal finance can be pretty boring. I’ve even had folks planning to attend a financial class tell me they anticipated taking a nap.Folks like having money. They just don’t like the chore of learning the concepts it takes to manage it well. And if they aren’t learning what they need to know, they likely aren’t able to teach their children.
People are so desperate to get out of debt that they will believe anything and anyone promising relief. They often turn to debt-relief companies that promote plans that supposedly can solve their problems. But for many, not only does the relief not come but the steep cost of the plans — sometimes thousands of dollars — can dig them in deeper.
We are often looking for “predictors” to help us make the right choices.One of the key data points that lenders use to predict whether you’ll be able to pay back a loan is a credit score. The higher your score, the more likely it is that you’ll pay your debts as promised.
- Find out for yourself how much home you can afford October 6
- We must heed pope’s call to serve the poor September 29
- Time is a financial gift that kids shouldn’t waste September 22
- Shouldn’t investment advice be made in your best interest? September 15
- Readers pose questions about finding right financial path September 8
- Readers beg to differ on not giving a freshman a credit card August 25
- Before you cry inequity from parents, look at the numbers August 18
- C’mon, folks, call debt what it is — loathsome August 11
- Are you prepared for the coming retirement storm? August 4