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Happy New Year!!!

We just wanted to wish our customers happy new years.

In 2014, we will be doing a lot more posts, so stay tuned!

Times are rough, and an ever growing number of Americans are declaring bankruptcy. While we don't like limiting solutions to debt problems, we thought we would write about the importance of avoiding bankruptcy.

If you are facing a tremendous load of debt, declaring bankruptcy might seem like a good option. It is not. The legal regulations surrounding a bankruptcy proceeding can be difficult to navigate. Then, even if your bankruptcy filing is approved, your financial standing will be destroyed for years to come. If you are considering filing for bankruptcy, consider other options first. You can get out of debt on your own, but if you choose bankruptcy, that decision will haunt you for years to come.

Because of changes made to the legal system in 2005, it is more difficult than ever to file for bankruptcy. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires you to prove the necessity of your bankruptcy filing, and it requires you to seek alternative solutions. Before a court will approve your bankruptcy claim, you will need to undergo intensive credit counseling. Every cent of your income will be scrutinized. Many individuals find the bankruptcy process invasive and extremely unpleasant. Even if your case is approved, bankruptcy can disrupt your life for years to come.

Bankruptcy negatively affects your future. For years after declaring bankruptcy, you will be unable to make any purchase that would require financing. If you want to buy a vehicle, you will need to pay for it entirely out of your pocket. There is simply no chance of you getting a car loan. You will also be unable to qualify for a mortgage. You might not even be able to rent the apartment you want, because many property rental companies require credit checks for new tenants. Potential employers check your credit history as well. If they see that you have filed for bankruptcy in the past, they will probably give the job to an individual with a more stable financial background. Declaring bankruptcy now could cost you the job of your dreams later.

There are alternative options to investigate before you declare bankruptcy. Consider going for credit counseling. Although your credit rating can be damaged by using a debt consolidation agency, the damage is minimal compared to filing for bankruptcy. If you use a credit counseling service to get back on your feet financially, you can work to rebuild your credit rating. If you want to experience true financial freedom, do not declare bankruptcy. There are other debt solutions that will give you a chance at a bight future.

We thought we would share some simple money management tips we have learned from the very customers we have helped turn around their finances.

In uncertain economic times, the lost art of managing one's finances needs to be applied. Simple money management such as budgeting and saving will do wonders for any family or individual, especially when money is so hard to come by. Many basic rules and tips can help you on the course to getting in good health financially.

For some reason, consumers in the 21st century seem unable to take control of their finances, and often get themselves in some trouble. The main problem that many of us get into is not being aware of how much we spend, and often we spend faster than our rate of income. This is when many turn to credit cards and personal loans, adding unnecessary debt. Often, bank accounts dwindle down to nothing, resulting in overdraft fees from banks, which add insult to injury. The mistakes that many people make can be avoided, but most of us do not learn the art of budgeting until after they bury themselves in debt.

A basic rule when managing your money is to be aware of how much money is coming in, versus how much money is being spent in any given month. Using months to measure time when managing money is essential, as most bills are due on a monthly basis. If you are paid on a weekly, bi-weekly or monthly basis, you need to tally all your regular income and use that as a base to begin subtracting the money that is to be spent. Starting with the essentials, such as food, shelter, clothing and transportation, you want to have funds allotted to cover all these. Once these are factored into your budget, you need to make sure you add any debts that you have. Credit cards, student loans and personal loans all need to be included into your budget. If personal debt is not given a high priority, it can affect your finances in an adverse way, hurting your personal credit. If your credit score is hurt by mismanaging your finances, it will hinder you from getting favorable responses from lenders in the future.

Whatever money you have remaining can be spread among any number of categories, so long as you leave yourself something at the end for savings. This is where things such as entertainment and hobbies can be budgeted. Saving money is an essential part of budgeting, and being healthy financially.

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Last week we wrote about protecting yourself from identity theft.  One of our tips discussed checking you credit report regularly.  Most people don't know, but the FTC has a program that allows you to check your credit report for free every year.  This week we thought we would write about this program.

Free Annual Credit Report program

Thanks to the Fair Credit Reporting Act, Americans are eligible for a free credit report each year. This report can come from one of three companies: Equifax, Experian or TransUnion. Every twelve months, citizens may access these credit reports on the Internet after supplying a limited amount of personal information to the website, AnnualCreditReport.com. Although other sources offer credit reports, AnnualCreditReport.com is the only reliable source for a free credit report.

Why Everyone Should Check Their Credit Report:

An individual's credit score is the gateway to loans, house rentals, insurance and more. It's important to for everyone to be aware of what their credit report details. Sometimes, credit reports include inaccurate information; identity theft and other issues can lead to incorrect information on a credit report. People who keep up to date on their credit report can dispute suspicious entries.

When Free Credit Reports Aren't Free:

Only the credit reports obtained through AnnualCreditReport.com are truly free. Despite ad campaigns telling consumers otherwise, the reports available through other websites are not truly free. Many of these sites bundle the so-called free report with other premium services. Consumers cannot access these free reports unless they pay for the premium service. To be safe, consumers should stick to the reports available from AnnualCreditReport.com.

Thanks to the Fair Credit Reporting Act, Americans are eligible for a free credit report each year. This report can come from one of three companies: Equifax, Experian or TransUnion. Every twelve months, citizens may access these credit reports on the Internet after supplying a limited amount of personal information to the website, AnnualCreditReport.com. Although other sources offer credit reports, AnnualCreditReport.com is the only reliable source for a free credit report.

<h1>Why Everyone Should Check Their Credit Report</h1>
An individual's credit score is the gateway to loans, house rentals, insurance and more. It's important to for everyone to be aware of what their credit report details. Sometimes, credit reports include inaccurate information; identity theft and other issues can lead to incorrect information on a credit report. People who keep up to date on their credit report can dispute suspicious entries.

<h1>When to Check a Credit Report</h1>
Many individuals choose to receive only one credit report at a time. This allows them the luxury of checking their credit report multiple times throughout the year. Identify theft can happen at any time, so it's wise for people to keep current with their credit reports. It's also important for people to check their credit report before applying for a major loan. Sometimes, consumers may find forgotten bills or incorrect information on their report; these issues must be resolved before applying for a loan.

<h1>When Free Credit Reports Aren't Free</h1>
Only the credit reports obtained through AnnualCreditReport.com are truly free. Despite ad campaigns telling consumers otherwise, the reports available through other websites are not truly free. Many of these sites bundle the so-called free report with other premium services. Consumers cannot access these free reports unless they pay for the premium service. To be safe, consumers should stick to the reports available from AnnualCreditReport.com.

As a follow up to our last post, we thought we'd write about one of the best ways to save money, in a round about way of course.  Here is one BIG cost you can avoid, if you follow some of our easy tips.  That big cost is called identity theft.  It can not only cost you time and money, but it can ruin your credit.  Best offense is a good defense, right?

If you use the Internet, you should be especially concerned about it. Thousands of people's identities are stolen by hackers and other criminals every year. You don't have to become a victim though. The following 10 tips can help you avoid identity theft online.

- Only Download Content from Trusted Sites - Be selective about where you download music, games and other content. Use a link checking program to see whether a site is secure or not. It only takes a second, and it can save you from a lot of grief.

- Use Anti-Virus Software - Preferably, the software should run virus checks at least once a day, and it should alert you of potential viruses while browsing the Internet too.

- Monitor Your Credit - You are entitled to one free credit report from each of the three credit reporting agencies per year. Use this service to ensure that no one is using your identity to get credit cards and other forms of credit.

- Use Unique Passwords Everywhere - Don't use one password for all of your online accounts. Make each one unique. If one falls into the wrong hands, all of your accounts won't be jeopardized.

- Beware of Phishing Sites - These sites are designed to look exactly like reputable sites. If you're asked for sensitive information for no apparent reason, pick up the phone and call the company in question first.

- Don't be Too Open on Social Media - Don't put all of your personal information out there on social media sites, even if your profiles are private.

- Sign Up for OpenDNS - This service includes a content filtering feature that instantly warns you about potentially dangerous sites.

- Stay Informed about Identity Theft Scams - Criminals come up with new plans of attack all the time. Study up about the latest scams to avoid becoming a victim.

- Online Make Online Purchases from Reputable Sites - OpenDNS should help in this regard, but check out a site's security certificate prior to making purchases as well.

- Use a Secure Wireless Connection - If you don't protect your wireless connection with a password, it's all too easy for random people to gain access to all kinds of sensitive information. Use a password to protect your wireless network at all times.

By implementing these simple tricks, you should be able to avoid becoming a victim of identity theft.

We thought we'd start posting off right, with something you can actually use!  Times are real tough out there, so we pooled our knowledge here at Quicker Cash to come up with 10 painless ways to save money.  We'd love to hear more ideas, so send them our way if you have them, and we will revisit this in the coming months.

If there's such a thing as having too much money, most people will never reach that enviable point. It's far more likely that you could use a little extra each month, and these money-saving tips can help. Living within a budget doesn't have to feel like punishment when you know how to economize without depriving yourself.

1. Get interested in your kitchen. Cooking your own meals can save you hundreds in food costs, and it doesn't have to be difficult. By cultivating an interest in the culinary arts, you'll dine on gourmet food for a fraction of what you'd pay in a restaurant. It could also impress your spouse, date or boss, so cooking well pays in more ways than one.

2. Ditch bottled water. Almost all municipal water systems provide safe, clean water. If your area's water has a funny taste or smell, it's from naturally occurring and non-toxic compounds such as hydrogen sulfide in the water source. Get a faucet filter to enjoy bottled-water taste without the expense and waste of those plastic containers.

3. Swap to compact fluorescent or LED bulbs in light fixtures. Although these newer lighting solutions are an investment at first, they last longer and cost less to operate. Choose bulbs that shed a warm, soft white light to keep your home from looking like a dreary office.

4. Walk or bike whenever possible. You save wear on your car and spend nothing on fuel. Moving under your own power is also good for your health, potentially saving you a bundle in medical bills.

5. Revisit your current insurance plan. You might be able to save on insurance costs by moving family members to individual plans through universities or their own jobs. If you're paying for extensive coverage and are in good health, you may be able to tailor your coverage to fit you better.

6. Beware of electrical vampires. Some appliances continue to suck small amounts of power even when they're switched off; unplugging them stops these trickles of electricity from costing you money. The hungriest appliances are those with multiple features that run while the appliance is turned off such as timers, remote controls and memory systems.

7. Explore your local library. The latest best-seller can set you back the cost of a whole weekend of home-cooked meals, but a good library will often have it available for free if you're willing to wait a month or two to read it. Many libraries even offer digital downloads of books to e-readers, so you may not even have to spend the gas to drive to the nearest branch.

8. Decide when premium products are truly worth their cost. Some inexpensive household products are a false economy; you spend less on the bottle, but you use more of the diluted or less effective product inside to clean a carpet or sanitize a counter. In extreme cases, using a cheap product could even cost you more. A laundry detergent that fails to get your clothes clean, for example, allows soil and stains to set. Your new wardrobe will cost considerably more than a quality laundry soap.

9. Cultivate useful hobbies. Avid knitters spend far less for their winter wardrobe of sweaters and scarves than even the most careful shoppers. Learning how to bake bread, brew beer or grow a container garden on your balcony will save you money, but you'll also enjoy exploring a new skill. If you're unsure how to start your hobby, the answer is as close as your local library or a quick search online.

10. Make the most of coupons. No, coupons don't feel particularly fun or festive, but for a small time investment, you can save enough for a movie night each month on your coupon savings alone. You don't necessarily have to clip, either. Online coupon deals that offer huge discounts for a local attraction or event are an excellent way to stretch your entertainment budget -- no scissors required.

Welcome to our Google Plus page.  This is our very first post!!!  We will be using this page to highlight upcoming events and promotions, and also share articles that you might find helpful.  Thanks for following, more to come shortly.
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