Filing for a personal bankruptcy in Massachusetts enables you to discharge your unsecured debt and keep all of your assets, up to the statutory maximum. A bankruptcy lawyer will explain to you what you can discharge and what you can keep. For example, in a recent article about keeping your tax refunds in bankruptcy we noted that proper planning enables our clients to keep those refunds. In addition, keeping your home in bankruptcy is even easier with a new Massachusetts homestead law. Further, consumers can keep most assets and rebuild FICO scores following bankruptcy in Massachusetts
On the other hand, all assets must be disclosed to the U.S. Trustee.
There are several manual ways to fix your bad credit and that too in a hassle-free manner. Read on to discover some secrets of the pros and learn how to get your hands on your free credit report.
Just about everyone has researched the statements about the existing economic catastrophe. We now have observed the particular “Stimulus” packages arranged. We have all pondered loudly, “What is there for all of us?”
The unhappy truth is that many of us have not done it. Whenever we could write concerning various ways to load your hands in addition to wallets together with cash, this particular piece of writing is about establishing your credit. Read full post…
As I recently wrote, you don’t have to be a U.S. citizen to file bankruptcy in the United States.
Just like many U.S. citizens, there are many non-citizens living legally in the United States who are drowning in debt and contemplating filing bankruptcy. One big difference between the two groups is that many of the non-citizens worry that filing bankruptcy could hurt their immigration status.
The good news for non-citizens is that filing a bankruptcy generally will not affect immigration status or citizenship applications. Immigration papers do not ask if you have every filed bankruptcy and bankruptcy documents do not ask about your citizenship or immigration status.
The things that may negatively impact immigration status are criminal activity and other evidence of negative moral character.
It’s not a crime to file bankruptcy. In
Credit card issuer Chase recently launched the “British Airways Visa Signature® Card,” a fairly aggressive airline rewards credit card that comes with an astonishing 50,000 mile bonus upon your first purchase.
On top of that, it offers an additional 50,000 bonus miles if you spend $2,500 on the credit card during the first three months.
100,000 Mile Bonus
With the 100,000 miles in hand, you’ve got enough for two (2) transatlantic flights.
In other words, you can fly to Europe and back twice if you live in the United States, free of charge, less taxes, fees, and surcharges, which I suppose can add up.
You also earn 1.25 British Airways miles per $1 spent on standard purchases and 2.5 British Airways miles for each $1 in British Airways purchases.
Travel Together Ticket
Additionally, if you spend $30,000 in any single calendar year, you can earn a “Travel Together Ticket,” which is a companion airline ticket used in conjunction with the card member’s award flight.
The British Airways Visa Signature® Card also waives all foreign transaction fees, being one of the few credit cards to do so (Discover and Capital One offer similar credit cards).
And when you apply for the British Airways Visa Signature® Card, you are automatically enrolled in the British Airways Executive Club.
Alaska Airlines, American Airlines, Brussels Airlines, Cathay Pacific, Finnair, Iberia, Japan Airlines, LAN, Malev, Qantas and Royal Jordanian are partner airlines.
Annual Fee and Charges
The downsides to this card, aside from a lack of introductory 0% APR, are the annual membership fee of $95 and any fees and taxes that must be paid on flights, as they’re now fairly hefty.
Beware: A flight to Europe may have fees of a few hundred dollars…
But if you don’t carry balances and love to travel, this card does have the potential to save you quite a bit of money.
Dollar-cost averaging is a common method of investing for the long term.
If you’ve been burned before by buying high and selling low, you may want to think about placing your investments on cruise control with dollar-cost averaging.
Dollar-cost averaging is the practice of investing a set amount each month in a particular investment vehicle. As the share price of your investment fluctuates, so will the number of shares your set amount buys. Sometimes you will pay more and sometimes the stock or mutual fund will decrease in financial worth, allowing you to purchase more shares.
Americans set a record in 2004 for investing in IRAs and employer-sponsored savings plans, displaying a renewed interest in this old technique. Read full post…
15 Apr
Posted by Hayley Crosby as Credit Score
Are credits cards good or bad for you? For many people, it’s both. When times are tough it’s very comforting to be able to use your credit card to buy the things you need. However, that same convenience of use can quickly become a problem. Credit card interest rates are quite high, which makes it very difficult to pay off. So what can you do to pay off your credit card debt?
There’s only one way to get out of debt live within your means. Of course, this is easier said than done because it’s hard to stop yourself from buying the things that you want. Credit cards make it easy to indulge yourself with luxuries but these debts can quickly snowball. If you are not able to regularly pay your credit card bills, this can spoil your credit rating. So befor