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Home General Interest Evangeline Giron

Evangeline Giron

The call for wise use of credit cards

CREDIT cards were first introduced to the public about 50 years ago, in 1959. With the introduction of credit cards, consumers were given new choices in how to pay for costly purchases that they had previously had to save for and pay in cash. Using credit cards allowed people to purchase goods without having sufficient funds immediately on hand, and without reaching new terms every time they wanted to purchase on credit.

Credit cards didn’t create credit; they just simplified the process of receiving credit and made credit available to many more individuals.

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Retirement planning 101

WHEN planning your retirement, it is important to remember that money, more than any other factor, will dictate most of your retirement decisions. Your level of financial preparedness for your retirement years will determine when you retire, what type of lifestyle you and your family will enjoy during retirement, and what might be left as a legacy to your heirs.

It has been said that no one plans to fail, they simply fail to plan. Nowhere is this idea more applicable than when it comes to meeting our retirement objectives. A sound financial plan can be the difference between meeting one’s retirement objectives and facing the discouraging surprise of one caught unprepared and with too little time remaining to change their financial course.

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Understanding medicare

AS Americans live longer than ever, Medicare is probably the most popular of all health insurance programs. Medicare is a health insurance program for people age 65 or older, people under age 65 with certain disabilities, and people with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant).

The original Medicare has two parts: Part A - hospital insurance- which in most cases were paid by most people through their payroll taxes when they were working and Part B- medical insurance-which is paid monthly by the insured.

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All about Required Minimum Distributions (RMDs)

MOST qualified retirement plans offer significant tax benefits for those willing to follow a few IRS specified rules. The government wants to make these plans- (401(k)s, Keoghs, SEPs and traditional IRAs) - available for specific needs, and has established tax law to help eliminate potential abuses of these tax advantaged investment alternatives.

Retirement plans are intended for retirement

For one thing, the government wants to make sure that such savings (and income tax benefits) actually go towards providing retirement income. Stiff penalties for early withdrawal help encourage investors to reserve their qualified plans for use during their retirement years.

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The pros and cons of filing for bankruptcy

YOU may have a stack of bills every month that you can’t pay. The late fees are piling up and high credit card balances with outrageous interest rates don’t help your situation. As you look at your finances, you realize that bankruptcy may be a good solution for you. Even if this is where you are financially, you shouldn’t file for bankruptcy until you’ve weighed the consequences associated with bankruptcy.

Weigh the consequences of bankruptcy by meeting with a credit counselor to review your assets and liabilities. Credit counselors go over the pros and cons of bankruptcy and recommend what they feel is your best course of action.

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The pros and cons of filing for bankruptcy
YOU may have a stack of bills every month that you can’t pay. The late fees are piling up and high credit card balances with outrageous interest...
Debt relief, peace of mind with bankruptcy protection
IF you are in debt and are seriously considering bankruptcy as an option, I am sure a lot of thoughts are going through your mind. I just want to get...
Does filing bankruptcy make sense in your situation?
WHEN no other means of debt relief are available, filing for bankruptcy may be the only way to get out of debt for most people. The good news is that...
How to Maintain the Wealth in Your Empire
To create a business and attain wealth is one thing, but knowing how to maintain success and wealth is something else all together. Your birth chart...
Home mortgage application up to three months in a row
MORTGAGE applications rose despite a jump in borrowing costs last week, but still bounced around the year’s lows with unemployment fears depressing...
KC Concepcion: A star in her own right
MEGA daughter KC Concepcion might have been born to showbiz royalty parents but she didn’t hoist this birthright as a golden ticket to get ahead....
Back-to-school dental visits
SUMMER as fast it came is almost over. Now kids and parents are onto their last-minute preparations for school. Buying school supplies, new wardrobe...
Can Bankruptcy End Your Debt Pain And Suffering?
If you or someone you know is in serious financial trouble, then you need straight answers about bankruptcy. Perhaps just hearing the word...
Money and the simple life
"I owe, I owe. So off to work I go." – Car bumper sticker, taken from the song of Snow White’s seven dwarfs, "Hi-ho, hi-ho. It’s off to work I...
The ins and outs of health insurance
Without health insurance, a single illness can cause serious, and often irrevocable, financial hardship.Insurance of any kind is intended to transfer...
The Opposite House
(Part 2 of 2 )LAST week you met Shelly and Mac whose master bedroom is incompatible to them with many negative factors, making it vital to implement...
Choosing the Right Fire Extinguisher For Your Home
BASED on your home size, and the number of potential fire hazards, you should consider having one or more working extinguishers.You should also...
Adequate recordkeeping required for BK discharge
SECTION 727 (a)(3) of the new bankruptcy code states that the court shall not give a discharge to the debtor who "has concealed, destroyed,...
False Prosperity
The economic and debt problems of our country have been highlighted in the last two weeks. Very large and very old banks as well as the largest...
Foreclosure: Should you save your property or just walk away?
A LOT of homeowners who are behind on their mortgage payments are asking me: Is it better to lose your house to foreclosure or file for bankruptcy...
Saving for College
SINCE State Farm* has entered the field of financial services, I’m talking with more families about planning for the future. While families almost...
Testimonials and Q & A’s from Ken Go
I have requested numerous time for my readers to advise me if someone or a company has help them resolve issue with loan modification. Here is a...

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Balikbayan Magazine Issue 9 Vol. 1 November

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