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 Article Directory   Author   Josh Ramos
 

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Published Articles:26
Total Article Views:6,488 (unique visitors)
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Josh Ramos's Articles

Articles by: Josh Ramos

Recent Articles

How Debt Can Affect Your Future in Ways That You Cannot Imagine

For those of you who have serious debt problems, you know exactly how poor debt management can dramatically impact your life in a negative way. Anyone who has experienced the stress of a financial ..
(September 23, 2008)
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  • Currently nan/5
 | Finance/Debt-Relief | Visitors: 203

How Debt Can Ruin Your Life and What You Need to Do to ..

For most of us, debt doesn't happen overnight. Instead, it sneaks in when we're not watching, and it slowly grows until we are completely overwhelmed by it. Unfortunately, this is the way that so ..
(September 23, 2008)
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  • Currently nan/5
 | Finance/Debt-Management | Visitors: 176

Know Your Enemy - How Ben Stiller Can Help You Wage War on ..

Have you ever seen the movie Zoolander? There is a pretty funny scene in which Ben Stiller makes a fool of himself when talking about education. His enemy is trying to defeat Stiller, but he tries to .
(September 23, 2008)
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  • Currently nan/5
 | Finance/Debt-Management | Visitors: 184

Are Credit Card Companies Evil? What Credit Card Issuers ..

If you're one of the millions of Americans who struggles to pay their credit card debt each and every month, you may have asked yourself this question. Are credit card companies evil? You might find ..
(September 23, 2008)
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  • Currently nan/5
 | Finance/Credit-Tips | Visitors: 183

How to Slay the Debt Monster and Improve Your Credit Score

Most of you probably know the importance of a credit score, but you may not know how it is determined or how to improve it. If you've ever been turned down for loan because of poor credit, you're not .
(September 23, 2008)
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  • Currently nan/5
 | Finance/Debt-Relief | Visitors: 273

The First Step to Take Charge and Reduce Your Credit Card Debt

You may be thinking the first step to significantly reduce your credit card debt is to call your credit card companies and yell at them. Perhaps a few choice words would help in getting the point ..
(September 23, 2008)
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  • Currently nan/5
 | Finance/Debt-Management | Visitors: 163

The One Secret You Absolutely Must Know to Avoid Drowning in ..

Every month it's the same thing. I receive my monthly credit card statement in the mail and put it aside for later. Eventually, I finally get to it again and get the check in the mail. Month in, ..
(September 23, 2008)
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  • Currently nan/5
 | Finance/Debt-Management | Visitors: 188

The First Step to Credit Repair and Why You Shouldn't Panic

If you've recently been rejected for a loan because of a low credit score, don't despair.  You simply need to gain some knowledge and take some action to start improving your credit score. The ..
(September 16, 2008)
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 | Finance/Credit-Counseling | Visitors: 304

A Simple Credit Score Explanation and How to Start Improving ..

Do you remember back in school when used to receive a letter grade as an evaluation of your work? Well, now that you're all grown up there is another grade that you have to be concerned with.  It's .
(September 16, 2008)
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 | Finance/Credit | Visitors: 183

Do Personal Bankruptcy Filings Make You an Irresponsible ..

It seems like every single day another credit card offer comes in the mail.  Credit card companies love to push their product into as many people's homes as possible.  They show up on college ..
(September 04, 2008)
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  • Currently nan/5
 | Finance/Bankruptcy-Personal | Visitors: 315

How to Correct Credit Report Mistakes and Stop Credit Agencies .

There's a simple lesson that my high school soccer coach once taught me about getting things done. He said that if you wanted to achieve something, whether improving your athletic ability or any ..
(September 04, 2008)
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  • Currently nan/5
 | Finance/Credit-Tips | Visitors: 158

You Can Stop Debt Collectors From Harassing You

Few things can bring on as much stress in a person's life as being overwhelmed by credit card debt (or any other kind of debt for that matter). If you're like the many Americans who truly struggle to .
(September 04, 2008)
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  • Currently nan/5
 | Finance/Debt-Relief | Visitors: 272

Personal Bankruptcy Tips - Will Bankruptcy Save Or Destroy ..

Bankruptcy is a legitimate option if you're struggling with excessive debt and don't see a way out. Contrary to what many companies would have you believe, it's not about helping deadbeats get away ..
(September 04, 2008)
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  • Currently nan/5
 | Finance/Bankruptcy-Tips-Advice | Visitors: 318

The Hidden Costs of Debit Cards - How Your Bank is Robbing You .

Everyone knows the dangers of having too much credit card debt. Well, I guess I should correct that statement. Everyone should know the dangers, but apparently not everyone does. If they do, they ..
(September 07, 2008)
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 | Finance/Credit | Visitors: 204

Buyer Beware - Why Credit Card Companies Target Higher Risk ..

Once upon a time the credit card companies seemed to focus most of their efforts on consumers with higher income and higher credit ratings. After all, if you have a good history of paying off bills ..
(September 07, 2008)
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  • Currently nan/5
 | Finance/Credit | Visitors: 173

Know Your Credit History Online Report

Keeping an eye on your credit rating scores has never been more important than it is today. Whether we like it or not, just about every major (and quite a few minor) financial decisions we make on a ..
(August 24, 2008)
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  • Currently nan/5
 | Finance/Credit | Visitors: 174

Should You Take the Plunge How Does Bankruptcy Affect Credit

While this is certainly an option, you should know that the procedure is more difficult than you may think. You'll have to go through a legal process in which a judge will examine your finances (with .
(July 06, 2008)
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  • Currently nan/5
 | Finance/Bankruptcy | Visitors: 498

Buried in Debt? Why You Need Debt Repair Counselors

If you find yourself overwhelmed by debt and are not sure where to turn, you may benefit from seeking the advice of a debt counselor. These counselors have the skills and knowledge to guide you ..
(July 06, 2008)
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  • Currently nan/5
 | Finance/Debt-Management | Visitors: 135

How to Beat Debt Collectors

If you're constantly being contacted by debt collectors, you're not alone. Many people find themselves in difficult financial situations, and before they know it they have accumulated a substantial ..
(July 07, 2008)
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  • Currently nan/5
 | Finance/Debt-Relief | Visitors: 1020

Some Darn Good Reasons to Home School Your Children

When it comes to homeschooling, one of the first questions that often comes to mind is why. That is, why would parents choose to educate their children at home instead of following the more ..
(July 08, 2008)
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 | Reference-and-Education/Home-Schooling | Visitors: 398

Forget Your Petty Insecurities What is a Secured Loan?

If you've been considering applying for a loan, you may have noticed that there are two types of loans: secured and unsecured loans. If you've been wondering what the difference between these two ..
(July 09, 2008)
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  • Currently nan/5
 | Finance/Loans | Visitors: 150

Heart Diseases Caused by Smoking

By now you're probably aware that there are many health risks associated with smoking. The government requires a certain disclosure about these health risks, and most people have heard about these ..
(July 17, 2008)
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  • Currently nan/5
 | Health-and-Fitness/Quit-Smoking | Visitors: 159

How Does Smoking Increases the Risk of Cancer?

Today, most of us know that long-term cigarette smoking increases the risk of cancer. But why exactly does this happen? While scientists are still searching to understand the exact process, we know ..
(July 12, 2008)
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 | Health-and-Fitness/Quit-Smoking | Visitors: 178

College and the Home School Report Card

Despite the success of homeschooling programs in recent years, many parents remain concerned about future opportunities for their children who are home schooled. Among the most common questions asked .
(July 12, 2008)
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 | Reference-and-Education/Home-Schooling | Visitors: 179

How to Deal With Nicotine Cravings

If you're like many smokers, you probably know about the health risks associated with smoking and may even wish to quit your habit in the near future. However, you may be discouraged by the process ..
(July 09, 2008)
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  • Currently nan/5
 | Health-and-Fitness/Quit-Smoking | Visitors: 170