Amount Owed on Accounts is Too High
Your credit score suffers when debt balances are too high.
Settlement for Debt Relief Includes Many Costs, Few Benefits
It is a far from perfect solution. In some cases though it can help you move forward from previous mistakes.
How Identity Thieves Steal Your Information
Understanding how the thieves typically obtain information can help prevent being victimized by the crime.
Take No Risks With Credit Insurance
Have you been fooled by this "packaged profit" tack on? It can make repayment of any debt nearly impossible.
6 Things to remember before filing bankruptcy
Here are a few things which you might like to know before deciding to opt for bankruptcy.
Debt Management Tips for a Smarter Debtor
Keep track of your expenses before your debt gets out of control.
What You Need to Know About Home Equity Interest
Interest rates depend on your credit, equity, your limit on the line of credit and market conditions.
Debt Settlement: The Right Solution?
One benefit and dozens of consequences hardly sound like a fair tradeoff. Tell them you are not stupid enough to believe their lies.
Amortization: Pay Down Your Mortgage in Baby Steps
Thirty years of 6% interest on a $200,000 home loan will see you pay an additional $230,000 in interest.
Help With Cell Phone Bills
Are there strange charges on your cellular bill? You may be able to dispute some of those charges with this approach.

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Ryan Levin


Ryan_Levin.jpgRyan Levin is a senior undergraduate at UNC-Chapel Hill, and he will graduate May 2012 with a degree in Political Science and minors in Music and Spanish. Afterwards, he plans to go to medical school.

Ryan has lived most of his life in Concord, North Carolina, where he learned to call people "sir" and ma'am" strictly to irritate his Yankee parents. After a turbulent adolescence fraught with close friends, essentially good grades, and a general lack of self-confidence around strangers, Ryan began school at Chapel Hill, where his life continued in much the same manner. Ryan hopes to use his experience as a writer here to improve his efficiency, focus, and personal finance skills so that he can someday afford to travel to exotic locations around the Earth.

In his free time, Ryan enjoys being mediocre at almost all the sports and terrible at the rest of them. His passion, though, is making music: he sings and plays piano, guitar, and percussion, as well as dabbling in assorted other musical instruments. He has played in the university's jazz combos for two years and now plays with the school's salsa ensemble, Charanga. He also plays in an acoustic duo with his buddy on Friday nights at this place in Raleigh. It's pretty neat.