Watch for This Misleading Mailer for Death Benefits


A fantastic cousin sent me this mailer he received recently. The outside of the envelope is very generic and says it comes from the Distribution Processing Center at PO Box 689, Marietta, GA 30061-0689. However, the business reply envelope inside goes to a different address at PO Box 1748, Kennesaw, GA 30156-9855. Using the return … Read more

How Much Do You Know About the First Global Credit Crisis?

Table of Contents The Evolution of the Credit Crisis Bills of Exchange Helped Transmit Contagion Mortgage Lending Margin Lending Cleaning Up the Mess Final Words June 2022 marks the 250th anniversary of the outbreak of the 1772-3 credit crisis. Although not widely known today, this was arguably the first “modern” global financial crisis in terms … Read more

Actify Solutions – Consumer Complaint – June 26, 2022

Consumer Statement: I paid this company over $11,000 for services that were never rendered. Once the balance was paid I can not even get a call back after leaving multiple messages and emailing everyone I had access to at the company. It appears to be a fraudulent service. I would like money back as well … Read more

Do You Need to Get a Blow Jar for Spontaneous Fun?

Since most people don’t grow up with a complete understanding of how to manage their money, concepts like budgeting and personal finance can seem restrictive because they are. Listen to the Podcast You can subscribe to my podcast on any of these sites below.                      A concept that’s not commonly addressed is irregular income. … Read more

What Will Happen to My Unmanageable Private Student Loans?


Question: Dear Steve, I graduated college in 2014 and made payments (got my co-signer off after 24 consecutive payments) until the winter of 2018. I stopped working because I had to stay home with my baby. Then I was in deferment. Covid 19 happened, and I’ve been in deferment since this month when my private … Read more

Kiss Your Ex-Spousal Consolidation Loan Goodbye

Table of Contents Copy of S 1098 Text As Of June 24, 2022 SECTION 1. SHORT TITLE SEC. 2. SEPARATING JOINT CONSOLIDATION LOANS A glimmer of hope for all the good people trapped in those old horrid federal government Spousal Consolidation Loans for student loan debt. These loans have been a shame for many years. … Read more

People Want More Affordable Education Over Forgiven Debt

National Public Radio (NPR) recently ran a poll to determine what Americans think about student-loan forgiveness. More than half the respondents favor President Biden’s plan to forgive $10,000 in student debt per borrower. Among people with outstanding student loans, 84 percent support Biden’s debt relief plan, and 68 percent want the Biden administration to forgive … Read more

Crocodile Tears: Congress Tinkers With Bankruptcy Code But Forgets Student Debtors


President Biden signed the Bankruptcy Threshold Adjustment and Technical Corrections Act yesterday, and congressional leaders pat themselves on the back. According to Senator Chuck Grassley, one of the Senate bill’s sponsors, the new law will remove some hurdles to the bankruptcy process and “assist small businesses and working families to weather financial hardship and emerge … Read more