Practical guidance on debt, bankruptcy, and the financial decisions that matter most. Written by OVLG attorneys.
Proper planning can help you grab the best deals and meals on the Thanksgiving Day. If you love to celebrate Thanksgiving Day in the traditional way, then it’s essential to know where to shop and when the stores will actually open. Likewise, if you want to take a break from cooking and have a delicious heart-melting Thanksgiving feast, then it’s high time to know ...
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As amended by Pub. L. 109-351, §§ 801-02, 120 Stat. 1966 (2006) As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §§ 1692-1692p. Please note that the format of the text differs in minor ways from the U.S. Code and West’s U.S. Code Annotated ...
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Debts are harmful; it is wise to stay away from them. Most of us are working hard to erase the debt blues from our lives. But the reality is, without going into debt, you will not be able to achieve some goals. Thus, many people are not sure whether or not to accumulate debt. Well, for most of the people, debt is now a fact of life. So, you just need to make ...
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You may want to switch to another state for a better career prospect, your current employer may want you to move to a different state for the official purpose, or sometimes, your partner may want you to move to his/her state to start a family. These type of situations can happen but you have to be aware of some inevitable things before making the decision to ...
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“Every piece of Halloween is kind of a cool lesson in financial behavior” Candies, spooky decorations, horrifying costumes, trick or treats - these 4 words are enough for the kids to wait eagerly for Halloween. While kids may relate Halloween to festive decorations and pranks, it’s the moral responsibility of the parents to teach personal money management ...
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You deserve a treat. Period. You have worked hard throughout the year. January: Made financial resolutions and paid off your holiday debts. February: Saved money for the Valentine’s Day. March: Cleaned your financial house in spring. April: Paid off your tax finally. May: Took steps to increase your retirement savings. June: Had a ...
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Do you want to shift from fulltime to part-time before retiring finally? Are you planning to talk with your boss regarding it? Seems like a good move since many baby boomers prefer phased retirement nowadays. The result of the recent survey gives a signal towards that. Unfortunately, part-time work (reduction in the working hours) for 2 or 3 years is still rare. ...
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Choosing a frugal life is not mandatory; it is your choice whether or not you want to live your life in a frugal way. People often confuse frugality with being cheap. They think that following a frugal life force them to live a poor life. However, the concept is not true. There are some differences between being cheap and frugal. A cheapskate and a ...
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