Imagine the last financial crisis you had. It was likely something you didn’t expect, but you needed to handle right away. Maybe you blew a tire on the way to dinner. Maybe your refrigerator went kaput. Maybe you had an unexpected medical bill.
"Budget” is a scary word for some; it involves planning, math and discipline. But what is a budget? At the most basic level, budgeting means planning before doing. That’s it.
For some people, personal finance is second nature. Some were taught by their parents. Others were taught in high school as part of a class called home economics— long before home ec turned into a baking class. For many people, though, understanding how to budget, plan for expenses, manage, leverage and avoid debt is a mystery.
The Making Home Affordable (MHA) programs are ending on Dec. 30 and 31 (depending on the specific program), which means from those dates forward there will be no federally funded relief programs available for homeowners. With the housing market and the overall economy still on shaky ground, this could be especially damaging for homeowners in Las Vegas, where foreclosure rates are still high.
If you’re already struggling with debt, don’t risk being scammed as well. Here is what you should know, expect and, most important, avoid from debt-settlement services.
In a state as car-centric as Nevada, being a pedestrian or cyclist can leave you vulnerable, especially when fatality rates have seen such a dramatic rise.
2006 and 2007 were the height of the real estate bubble in Southern Nevada. Immediately before that bubble burst, people were buying homes as fast as they could and financing options were cheap and plentiful. Unfortunately, most of the homes that were purchased during the peak years are underwater, many by tens — or hundreds — of thousands of dollars.
Witnessing a car crash — especially if there are injuries — can be stressful and all too common in the Las Vegas Valley. Knowing what to do when you’ve witnessed a wreck is important and can potentially ...
The FCRA outlines the steps required of the CRA, including that they must be able to explain their process and prove how they’ve determined the information on your consumer credit report is actually correct.
I got a call from a bill collector this morning, and he said if I don’t pay him all the money I owe by Friday, a warrant will be issued, the sheriff will come to my office, and I’ll be arrested. I’m very scared, but I don’t have the money to pay them. Can they do this? Please help!
It’s important to be able to expect the unexpected when driving. Lots of unpredictable situations can occur on the road, and often, they can be costly, dangerous and even deadly. If you’re in a car crash, ideally the damage is minimal, there are no injuries, and you’re able to exchange information with the other driver. But that may not always be the case. Here, we break down what can be done in more unusual crash scenarios.
Question: I am an experienced rider. A few months ago, I was riding my motorcycle home from work, and as I crossed over into the left turn lane, my front tire hit an unmarked rut in the road. I was thrown from the bike and wound up in the hospital with several broken ribs and other injuries. My medical bills are skyrocketing, but my insurance company says I’m not covered. Is there anything I can do?
Yesterday, I came home from work, and some papers were attached to my door with blue tape. They read, “Notice of Default and Intent to Foreclose,” and stated that I had 30 days to opt into mediation or I’d lose my home. What is a Notice of Default? Do I still have options to avoid foreclosure?
