I believe that it was Josh Billings, the pen name of 19th-century American humorist Henry Wheeler Shaw, who once proclaimed, “ Debt is like any other trap, easy enough to get into, but hard enough to get out of.”
Student loan debt rose by $79 billion in 2018.
Debt can be tricky for startups. It’s inevitable and sometimes invisible, but ignoring it can run your business into the ground. Debt isn’t limited to money. Technical debt is a slippery concept that has many entrepreneurs running in circles. Simply put, technical debt is the cost, in dollar figures or…
Happy 2013, everyone! Hope you all have recovered from your champagne hangovers and are now ready to get on track with those lofty resolutions for the new year. And, if you need a little help (which I’m betting you do), here are 5 resolution apps that will help you on your way to smaller dress sizes, bigger…
If you don’t think about taxes until your company starts earning revenue, you’ve waited too long. While the IRS may not be especially interested in your company until you’ve been funded and have some capital, you need to think about taxes from the outset – to avoid tax trouble down the line, and to save money…
One of the crappiest things about being a grownup is managing your own money. This thought came to me yesterday, when a group of teenage girls taking pictures of each other with a giant digital camera and wearing tiny belly shirts that probably cost more than my whole outfit came into Starbucks yesterday…
For consumers who either are unable to get a credit card or who would rather avoid the hassles and risks of having a “conventional” credit card, AccountNow.net offers prepaid credit cards. Users can add money to their AccountNow card at any one of 135,000 locations including Visa ReadyLink spots, Green Dot Money Pak locations, Western Union, and MoneyGram. Customers of AccountNow.net can also have their paychecks directly deposited into their AccountNow prepaid card account. The website boasts “100% Approval” and no credit check or ChexSystems check.
Signup for AccountNow prepaid cards can be done online through a short application process. Signup takes about 1 minute, and AccountNow.net offers instant approvals. They do not have a minimum balance or any overdraft fees and customers no longer have to worry about check cashing fees or bounced checks when they have an AccountNow prepaid credit card. Many consumers are able to save more than $400 a year in fees simply by opening an AccountNow prepaid card account.
The AccountNow.net website offers detailed commonly asked questions and thorough answers to help website visitors decide if a prepaid credit card is right for their needs. AccountNow offers two different cards – the “Classic Card” and a “Gold Card.” Each card has slightly different benefits and fees.
For folks who expect to use their prepaid credit cards only occasionally, AccountNow.net recommends the “Classic Card” as the best value. It features no monthly fee, a one-time initial fee of just $4.95, a $2.50 ATM withdrawal fee and a $1 transaction fee. For regular users, AccountNow suggests the “Gold Card” which has a $9.95 monthly fee, (which is waived for customers who load at least $2,500 onto their card in any given month), and a $2.50 ATM withdrawal fee. The Gold Card does now have a transaction fee.
AccountNow.net offers a $25 direct deposit bonus as well as referral bonuses to customers who qualify. 
An Y Combinator startup, DebtEye is a debt counseling platform. That alone would make it specially attractive. I mean, is there a service Americans would be more interested in than that at a time like this? But DebtEye also has the enormous advantage of being implemented in a way that minimizes the risk of human mistakes being made along the way. The company offers extensive credit analyses that are checked and double-checked, and it can devise plans for getting out of debt for just anybody, anywhere. These are tailored to every person’s specific situation, and all the variables that should be taken into consideration for a solution to be truly successful (such as the person’s income, and whether he is all by himself or he has a family to support) are duly accounted for
Registration to the service is fast and painless – none of the information that you are asked to disclose is having a negative impact on your credit card score. And those who create an account while the site is still in beta are actually receiving a free-of-charge credit analysis.
Seeing friendships go sour over something such as money is truly disheartening, yet it is not really that strange. And in most cases, things go wrong owing to nothing but a lack of communication. One thinks the other is ignoring him, when the person is really aware of the debt and will pay it whenever he has managed to get the money together.
But getting carried away and thinking that one is being had is just too simple, specially when he badly needs the money back. It is a situation that can never be fully resolved. However, there are apps like I Owe You available – apps that might just stand as the key for avoiding unnecessary confrontations.
Essentially, users of I Owe You will be able to create (and deliver) tickets to their friends making it clear that they have not forgotten about the money they owe them, or these items that they have to return.
These tickets are created for free, and they can be delivered at a set frequency, too. That is, if you want to be 100 % sure that your friend is getting the message you can send him one weekly notification after the other until the money has been paid, and keep him fully pacified.
Read more on IOUTicket.com – Notifications For Those You Owe…
YOM (You Own Me) is a new online ticketing platform that you can use to remind any friend or family member that owes you money of the debt that remains to be fulfilled. The idea is to let you all get even, without risking to sound overbearing or angry at him other for not having paid the debt sooner. A You Own Me ticket works on that level since it is a simple reminder that is sent via email, and that is as neutral as one such communication could possibly be.
These email notifications can be scheduled for whenever you want, and at the frequency that you see fit, too. You can have daily, weekly and monthly reminders send out.
And there is no registration process of any kind to go through. Tickets are created directly, using a simple interface that lets you specify how much (or what) is owed to you, and by whom. When the ticket is ready, you just activate it and it will be sent out when the time comes.
You read about America fighting the recession and holding its head up high, but the truth is not that romantic when you get out on the street and talk to those you know. We all have a good couple of friends who are about to disappear in a sea of debts… and we might be in a similar position ourselves. Well, this new service is here to help.
Ready For Zero is a financial tool which works on the browser. You can use it to track and analyze all your credit card debts, and to devise a plan to lower these all the way to zero. The plan will cover the whole month lying ahead of you, and it will include both payment and money saving options.
This plan is actually automatically generated by Ready For Zero. That is, your input and participation is kept to providing all your credit card information by linking the accounts when prompted. That will be it. You will have all the data weighed up, and the plan generated without having to do anything else.
The worst thing of sharing expenses with your friends is not that somebody might forget to pay in time, but that actually such an act of forgetfulness might be perceived as something else by the rest of the group. And there is nothing worse than tainting a friendship over something as petty as money.
That is why applications such as Beezang have a ready market.
In a nutshell, it is a tool for the tracking of shared expenses. Using it, you can manage the group on the whole and figure out who has paid what almost automatically. That is all the more enticing since handling such operations single-handedly is nothing short of enervating. Moreover, the application will let you ensure that both debts and loans are kept in full sight so that nothing falls behind schedule and everything is dealt with in due time.
A service like this one has the added plus of being available at no cost whatsoever. You simply sign up for an account on the site, and then you are ready to kiss your pen, paper and calculator goodbye.
IBRinfo.org is a website that brings together information on federal student payment and forgiveness programs. The site’s named after the new Income- Based Repayment programs (IBR); these have been created to make it easier to handle federal student loan payments. And IBRinfo.org explains exactly what the eligibility requirements for one such program are, as well as all the different ways in which getting one would simplify the management of your existing debts. Just take a look at the sections named “What are these programs”, “How do I get them” and “Can they help me?” to find out as much.
Read more on Ibrinfo.org – Federal Student Loan Payment Program…
“You can forget about your debts now” This sounds as a great idea, doesn’t it? SmartDebt.org helps people to find a variety of articles that are related to debt negotiation.
In fact, you will find different ways to negotiate your debts in order to find the relief you need.
The blog offers diverse articles with interesting data about payroll services that were created with the intention to meet all your needs. You do not have to be worried about being cheated anymore because on this blog you will be doing a correct research. You will be also able to find a professional lawyer to help you with anything related to these matters. 
Nomoremortgage.com is the official site of No More Mortgage, an online financial company specialzied in providing personal loans for you to pay for your mortgage debt. On this website you will find all the information you are looking for about this company and the special debt consolidation service they can offer.
Nomoremortgage.com is the website you should pay a visit to in case you are looking for a financial institution that grants personal loans. On this website you can fin details about the services they offer, including loan requirements and mortgage payment plans, as well as mortgage debt consolidation and mortgage interest rates.
Do you need help with your mortgage? Would you like to request a loan? If that happens to be the case, you have come to the right site. Nomoremortgage.com offers personal loans and mortgage plans for you to get rid of your debt problems. Feel free to stop by this site if you are looking for mortgage loans.
Read more on Nomoremortgage.com – Debt Management Tools & Programs…
At Think Debt Relief, works by helping people with financial problems in order to improve their situation. By using this solution you can actually turn your financial situation around.
It is not very important the amount of money you are in debt with because at this site you will find experts with very useful options for you. You family will thank you very much if you work your problem out. This company offers up to a 50% of the total debt you have.
Additionally you are going to feel free again in a short period of time of about 12–36 months. Just think about this, this time is very short if you consider the fact that you will be totally done with your payments, This is not a delay in your paying back process, but it is a definite solution.
Other things this company provides are related to Debt Modification and Debt Settlement. Among the other many things you can get access to at this site are debt consolidation, credit counseling and bankruptcy.
If you need to find out more about Think Debt Relief, click on thinkdebtrelief.com
Read more on ThinkDebtRelief.com – You Deserve A Fresh Start…
If you are looking for lower interest rates, loan modification programs, decrease the amount of you monthly payments as well as stop the credit harassment, this is a site that will be more than helpful to you interests. U.
S. Financial Freedom is a company founded from Debt Settlement, but that realized the fact that the clients had usually more exclusive needs. That is way they diversified their services in order to offer a number of plans and programs so customers can find the appropriate help to their exclusive needs.
U.S. Financial Freedom has highly specialized and qualifies debt consultants have been trained thinking trying to think about the problem you have as if it would be their own problem. This way it is much easier to determine how is your current situation, and also, which is the most appropriate kind of program that effectively suit your financial needs. After that this company will help you with the process details.
You will find all the contact details so you can get in touch with the company when you wish. So if you want to reduce balances up to 70% off and become debt free within 12 to 42 months by repairing your credit get a free of charge consultation and see the benefits of this service.
This site provides a place where you can apply for loans of any type. Financing for any situation that you might find yourself in can be accessible here through a fast online application.
Here you will be able to find all the information you need to know about the site itself and about the services that they provide. So, if you are interested in applying for a loan, then all you need to do is click on the Loan button. First you will need to select the type of loan that you would like from the list provided and enter your personal information. Then, you will be able to view the status of your application at any time by entering your email address and confirmation number. Whether you need a cash advance personal loan or debt consolidation, this site can provide you with a financial solution for your problem. So, are you in need of fast cash? Then this site may surely be your source for it. 
Read more on CompleteLoanSource.com – All Purpose Loans Online…
This is the website of a very young credit company with only 2 years of experience in providing customers with online financial solutions. Credit One was founded with the main goal of finding a better way to solve consumer’s financial needs.
Through CreditOneFS.com you’ll discover why this company has already developed a customer-focused approach that provides unique lending solutions for most consumer and small business borrowing needs. Credit One offers Individual Credit Planners that work with you to understand your unique needs and develop the ideal combination of loan product and payments to help you take control of your financial position. The company only sells high-quality products and is dedicated to finding every opportunity to qualify customers for products that will improve their financial position. Through the Our Solution section you’ll access the full description of what this financial institution has to offer. The site also provides visitors with a large amount of online tools and services, such as quick calculators, online application, account checking, and much more. 
If you see an old man with glasses smiling to you, and wearing a suit full of question marks, you are about to discover the real world of easy money. Myamericanbenefitsplan.
com wants to invite you to join the Matthew Lesko’s Government Club, and take advantage of all the discounts he has for you. Through this site you can learn the benefits of Lesko’s programs and get free help on filling out applications. If you want to know what this club is all about, you should check all the features at the homepage. There you will see some green buttons that will lead you to informative sections about the services offered. The club offers assistance in many areas, such as education and jobs, bills and debts, business, and student loans. At the main page you can also access some fun, instructive videos, as well as a section for non-members. To become a member you have several options, but none of them is free. 
Read more on MyAmericanBenefitsPlan.com – Government Money Club…
