Author: Neal Frankle

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How to get a personal loan with bad credit

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If you have bad credit you might be tempted to turn to a personal loan company if you need cash. This is not necessarily a bad idea …

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Need money fast? Here are your 5 cheapest options

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My guess is you are reading this post because you need money ASAP and you don’t want to pay an arm and a leg for the …

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Do you know how your credit score is calculated?

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Your credit score tells the world a lot about you. It tells creditors if it’s worth it or not to lend you money and at what …

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How to save big on guaranteed life insurance

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If you’re looking for term life insurance but don’t want to fill out a detailed medical questionnaire, you might be interested in a Guaranteed Issue life insurance policy. …

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5 reasons why you shouldn’t close your credit card

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It’s not at all unusual for people to close out a credit card after paying it off. But in most cases, it’s not the right thing …

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How to succeed at DIY investing

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You may find it weird to see a financial advisor telling others how to become great do-it-yourself investors. I understand that. But I’ll let you in …

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7 ways to negotiate with creditors

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Negotiating with creditors with whom you still enjoy a good standing is an important skill – and very different from negotiating with debt collectors. The idea is …

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5 tips for making your own living trust online

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You can make your own living trust online very easily. For those of you who aren’t familiar with this subject, a trust allows you to control who …

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Serial debt consolidation: The road to financial ruin

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People often try to deal with mounting debt and credit problems by doing a debt consolidation. In theory, it’s a sound idea. But in reality, one debt consolidation …

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4 ways to finance a home improvement project

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The best way to finance a home improvement project is not to do one. That’s because the cost of these jobs almost always outstrips the value they add …

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7 ways to deal with large medical bills

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Large medical bills are a different kind of debt. This is partially because they don’t come from traditional lenders, and because you can be swapped with …

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Here’s how to never run out of money

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Most people I meet don’t really care about acquiring great wealth. But everyone wants to make sure they never run out of money. If that resonates with …

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How to write a credit dispute letter

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If you’ve ever discovered there is erroneous credit information in your records, either by getting a letter from a creditor or, more commonly, in a line …

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How to become self-employed now

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Being self-employed isn’t just a dream. You’re reading this because you want to work for yourself and believe me, you can make it happen. I don’t need …

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What to do if your income isn’t covering your expenses

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Do you find it difficult to make ends meet each month? Do you shake with worry when some unexpected major expense pops its ugly head? If …

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Why you pay tax on mutual funds even if you make no withdrawals

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The tax treatment of mutual funds is confusing. It’s very possible to make a ton of money on your funds and pay no tax. But it’s …

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How to use a credit-builder loan to rebuild your credit

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If you have a bunch of bad credit in your past, and you are looking to get a fresh start, you should take a serious look at …

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How fast do your credit scores change?

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Once you put all the work into cleaning up your credit history you want to see your efforts pay off fast. That makes sense. The reality is the …

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How cosigning a loan can destroy your credit

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Cosigning a loan can be a loving gesture, especially since it is usually done for a family member. But if you do choose to do this, …

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7 killer ways to simplify your financial life

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The simpler your financial life is the more secure it will be. When you spin lots of plates., you increase the odds of having a few …

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Why you should never buy life insurance for children

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Never buy life insurance for children. Life insurance is a tool that can protect your entire family. There are two ways that this tool helps them …

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How to refinance your credit card debt fast & save huge

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If you’re saddled with high-cost credit card debt it can feel like you are in a prison. That expensive old debt weighs down your credit rating …

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5 ways to reduce debt & increase your credit scores

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We all know how paying your debts on time and correcting credit errors can improve your credit score. But you can also improve your credit score by reducing …

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Can you retire now? Here’s the complete answer

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It’s entirely possible that you have enough money to retire now, but you may not know it because you may not be asking the right questions. …

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Help! My credit cards are maxed out – what now?

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When you reach a point where your credit cards are maxed out, a whole chain of events begins to unfold, none of which are pleasant. It’s …

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Do you need a professional trustee to manage your living trust? Probably not

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Naming a professional trustee for your living trust is a dangerous proposition. Let me share an example that illustrates why.  Joanie and her brother have been …

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How to buy life insurance for people who are ill

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Just because you have poor health doesn’t mean that you can’t get the life insurance you need. I usually get an e-mail at least once a …

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How to make extra money with skills you already have

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It’s mind-blowing that more people don’t use the common skills and resources they already have to make significant extra income. As you’ll see, this can be …

FeaturedMoneySmall Business

How many bank accounts should I have?

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If you’re asking yourself how many bank accounts you should have, I can almost guarantee that you have too many already.  While this may seem like …

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Why it’s so hard to eliminate credit card debt

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There are all kinds of strategies for eliminating credit card debt. Entire books have been written on the subject.  However, anyone who has tried to pay …

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How to get life insurance without a physical exam

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If you are interested in getting life insurance without having a physical exam, it means one of three things: You want the insurance really fast, you can’t …

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5 ways to protect yourself before the divorce

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If your marriage is on a one-way street to divorce court, you have to take precautions immediately to protect both your achievements and your future. This …

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How much money can you make as an Airbnb host, and is it worth it?

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You may have heard about people earning big bucks by sharing their home with travelers through Airbnb. You might even be part of the Airbnb community already. …

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5 secrets to inexpensive life insurance for seniors

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Life insurance for seniors doesn’t have to be expensive.  Just because you’ve been around the block a few times doesn’t mean that life insurance companies should …

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How not to hire a credit repair company

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When you get into a credit mess, there’s usually a strong temptation to turn the whole problem over to someone else hoping they can fix it …

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Is buying a franchise right for you?

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Have you ever dreamed of owning a McDonalds, IHOP, UPS Store, Domino’s Pizza or Jiffy Lube? If so, franchising might be for you. There are some distinct …

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Should You Buy Term Life Insurance or Whole Life Insurance?

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Life insurance agents love to argue that when it comes to term life insurance or whole life insurance, whole life is a better deal. As you’ll …

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How a bad credit score can affect getting an apartment lease

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We naturally expect that credit will be issued when applying for a mortgage to buy a house. But it can also matter when it comes to …