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Mike Randall
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Mike Randall

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A study released recently by the Corporation for Enterprise Development shows nearly half of households in California have little to no savings and are in chronic financial stress. The study used a variety of ways to measure the overall financial well-being of families and found low- and middle-income people are especially at risk. The study …
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Sometimes, despite our best efforts to plan, save and budget, expenses arise that we don’t have the funds to cover and we are left relying on credit. While occasionally (though rarely) this is a necessary reality, there are instances where using credit is not the right option. 1. Shopping sprees Spending money you don’t have …
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Going to the Doctor? Be Prepared to Pay Before You Leave http://bit.ly/QZpCMR Important new trend brought to light by +NPR.
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Do you own a small business? A study showed that small business owners may don't understand how a merchant cash advance works.
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Should your company open a business credit card account? There are actually some big differences between personal credit cards and business credit cards.
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Do you use mobile banking? Consider how business owners could benefit from mobile banking too.
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We all know in today’s increasingly competitive workplace, you’ve got to have a college degree to succeed. But with the cost of college tuition rising year after year, a four-year degree from a respected school can cost upward of $120,000 or more when all is said and done. Being able to afford that kind of …
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Begin a journey to pay off debt and you'll soon encounter critics. Here, we'll show you how to use those criticisms to help fast-track your goal.
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If you’re among the minority of Americans with money set aside just for emergency situations, good for you. Having an emergency fund means you won’t have to go into debt when an unexpected event occurs, which it inevitably will. This type of planning ahead is a sign of good financial health and a good budgeting …
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When’s the last time you streamlined your wallet? Did you know what you do and don’t choose to keep in there can not only help your daily organization, but it can protect you in case of emergencies? While other items might actually put you at risk. Here are some thoughts on what you should and …
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When applying for a business loan, creditors may see people with bad credit as too risky. What can you do?
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How to Be At Peace with Your Financial Situation http://bit.ly/1igbwCC
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BadCredit.org is the independent authority on bad credit.
Introduction

Mike Randall has been writing on financial-related topics for eight years. He graduated from California State University with a degree in English literature.  Mike’s interest in the field of financial writing stems from studying to be a personal financial advisor. He is most knowledgeable in the areas of credit card debt and credit scores, although he has written on most financial topics.

Mike’s personal hobbies include sailing and gourmet cooking.

BadCredit.org was created to help Americans with subpar credit to find the information and resources they need to make successful credit decisions. Featuring articles, how-to guides, studies and other helpful content, the site's mission is to raise the overall financial awareness of its visitors. The site's experts also provide ratings of various financing sources and other services geared toward the subprime market.

Connect with BadCredit.org now to share content, tell your story and interact with the site's finance experts! 
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