Bankruptcy Chapters Explained

Chapter 7

The potential chapter 7 debtor should understand that a straight bankruptcy case does not involve the filing of a plan of repayment as in chapter 13, but rather envisions the bankruptcy trustee's gathering and sale of the debtor's nonexempt assets, from which holders of claims (creditors) will receive distributions in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors. In addition, under chapter 7, the individual debtor is permitted to retain certain "exempt" property. The debtor's remaining assets are liquidated by a trustee. Accordingly, potential debtors should realize that the filing of a petition under chapter 7 may result in the loss of property.

In order to qualify for relief under chapter 7 of the Bankruptcy Code, the debtor must be an individual, a partnership, or a corporation. 11 U.S.C. §§ 109(b); 101(41). Relief is available under chapter 7 irrespective of the amount of the debtor's debts or whether the debtor is solvent or insolvent. An individual cannot file under chapter 7 or any other chapter, however, if during the preceding 180 days a prior bankruptcy petition was dismissed due to the debtor's willful failure to appear before the court or comply with orders of the court or the debtor voluntarily dismissed the previous case after creditors sought relief from the bankruptcy court to recover property upon which they hold liens. 11 U.S.C. §§ 109(g), 362(d) and (e).

One of the primary purposes of bankruptcy is to discharge certain debts to give an honest individual debtor a "fresh start." The discharge has the effect of extinguishing the debtor's personal liability on dischargeable debts. In a chapter 7 case, however, a discharge is available to individual debtors only, not to partnerships or corporations. 11 U.S.C. § 727(a)(1). Although the filing of an individual chapter 7 petition usually results in a discharge of debts, an individual's right to a discharge is not absolute, and some types of debts are not discharged. Moreover, a bankruptcy discharge does not extinguish a lien on property.

Chapter 11

A case filed under chapter 11 of the United States Bankruptcy Code is frequently referred to as a "reorganization" bankruptcy.

How Chapter 11 Works

A bankruptcy case commences when a bankruptcy petition is filed with the bankruptcy court. Fed. R. Bankr. P. 1002. A petition may be a voluntary petition, which is filed by the debtor, or it may be an involuntary petition, which is filed by creditors that meet certain requirements. 11 U.S.C. §§ 301, 303. A voluntary petition should adhere to the format of Form 1 of the Official Forms prescribed by the Judicial Conference of the United States. The Official Forms may be purchased at legal stationery stores or download from the internet at www.uscourts.gov. The voluntary petition will include standard information concerning the debtor's name(s), social security number or tax identification number, residence, location of principal assets (if a business), the debtor's plan or intention to file a plan, and a request for relief under the appropriate chapter of the Bankruptcy Code. In addition, the voluntary petition will indicate whether the debtor qualifies as a small business as defined in 11 U.S.C. § 101(51C) and whether the debtor elects to be considered a small business under 11 U.S.C. § 1121(e).

Upon the filing of a voluntary petition for relief under chapter 11 or, in an involuntary case, the entry of an order for such relief, the debtor automatically assumes an additional identity as the "debtor in possession." 11 U.S.C. § 1101. The term refers to a debtor that keeps possession and control of its assets while undergoing a reorganization under chapter 11, without the appointment of a case trustee. A debtor will remain a debtor in possession until the debtor's plan of reorganization is confirmed, the debtor's case is dismissed or converted to chapter 7, or a chapter 11 trustee is appointed. The appointment or election of a trustee occurs only in a small number of cases. Generally, the debtor, as "debtor in possession," operates the business and performs many of the functions that a trustee performs in cases under other chapters. 11 U.S.C. § 1107(a).

A written disclosure statement and a plan of reorganization must be filed with the court. 11 U.S.C. § 1121. The disclosure statement is a document that must contain information concerning the assets, liabilities, and business affairs of the debtor sufficient to enable a creditor to make an informed judgment about the debtor's plan of reorganization. 11 U.S.C. § 1125. The information required is governed by judicial discretion and the circumstances of the case. The contents of the plan must include a classification of claims and must specify how each class of claims will be treated under the plan. 11 U.S.C. § 1123. Creditors whose claims are "impaired," i.e., those whose contractual rights are to be modified or who will be paid less than the full value of their claims under the plan, vote on the plan by ballot. 11 U.S.C. § 1126. After the disclosure statement is approved and the ballots are collected and tallied, the bankruptcy court will conduct a confirmation hearing to determine whether to confirm the plan. 11 U.S.C. § 1128.

Chapter 12

In tailoring chapter 12 to meet the economic realities of family farming, this law has eliminated many of the barriers that family farmers had faced when seeking to reorganize successfully under either chapter 11 or 13 of the Bankruptcy Code. For example, chapter 12 is more streamlined, less complicated, and less expensive than chapter 11, which is better suited to the large corporate reorganization. In addition, few family farmers find chapter 13 to be advantageous, because it was designed for wage earners who have smaller debts than those facing family farmers. In chapter 12, Congress sought to combine the features of the Bankruptcy Code which can provide a framework for successful family farm reorganizations. At the time of the enactment of chapter 12, Congress could not be sure whether chapter 12 relief for the family farmer would be required indefinitely. Accordingly, the law (which first provided that no chapter 12 cases could be filed after September 30, 1993) currently provides that no cases may be filed under chapter 12 after July 1, 2000.

The Bankruptcy Code provides that only a family farmer with "regular annual income" may file a petition for relief under chapter 12. 11 U.S.C. §§ 101(18), 109(f). The purpose of this requirement is to ensure that the debtor's annual income is sufficiently stable and regular to permit the debtor to make payments under a chapter 12 plan. Allowance is made under chapter 12, however, for situations in which family farmers may have income that is seasonal in nature. Relief under this chapter is voluntary; thus, only the debtor may file a petition under chapter 12.

Chapter 13

Chapter 13 is designed for individuals with regular income who desire to pay their debts but are currently unable to do so. The purpose of chapter 13 is to enable financially distressed individual debtors, under court supervision and protection, to propose and carry out a repayment plan under which creditors are paid over an extended period of time. Under this chapter, debtors are permitted to repay creditors, in full or in part, in installments over a three-year period, during which time creditors are prohibited from starting or continuing collection efforts. A plan providing for payments over more than three years must be "for cause" and be approved by the court. In no case may a plan provide for payments over a period longer than five years. 11 U.S.C. § 1322(d).

Any individual, even if self-employed or operating an unincorporated business, is eligible for chapter 13 relief as long as the individual's unsecured debts are less than $269,250 and secured debts are less than $807,750. 11 U.S.C. § 109(e). A corporation or partnership may not be a chapter 13 debtor. Id.

An individual cannot file under chapter 13 or any other chapter if, during the preceding 180 days, a prior bankruptcy petition was dismissed due to the debtor's willful failure to appear before the court or comply with orders of the court or was voluntarily dismissed after creditors sought relief from the bankruptcy court to recover property upon which they hold liens. 11 U.S.C. §§ 109(g), 362(d) and (e).

For more information, please visit www.mybankruptcycounseling.com

Nathan Dawson writes for http://www.mybankruptcycounseling.com

In The News:

COLUMN-How personal finance guru Jill Schlesinger got smart about money  ReutersJill Schlesinger got her start on Wall Street, and that is where she learned a lot of what she knows about the financial world. But she has built a career dishing out ...
What Is Financial Literacy and Why Does It Matter to Me?  TheStreet.comBeing financially literate isn't a luxury these days - it's a necessity.
Should Indiana Require Personal Finance Taught In High School?  wkdq.comArizona has a bill in the works that will make personal finance mandatory in high school to graduate.
Personal finance website born in Tampa, plans move to Atlanta  St Pete CatalystA self-taught stock investor in Tampa and his business partner want to help other people learn how to better manage their money. Jerel Jordan and Anthony ...
Prioritizing personal finance in high school  13newsnow.com WVECSouth Carolina State Senator Luke Rankin recently filed a bill that would require high school students to take a personal finance class. 13News Now looked into ...
How healthy are your personal finances? Take this quiz to find out  Economic TimesAre you doing everything right for your personal finance? With the new Budget in place, it is a good time to check the health of your finances with this quick quiz.
Personal Finance Queries For The Day (18-02-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
No relief for property buyers after #Budget2019  IOLGiven the current state of SA's economy, we are not surprised that there was no specific relief for property buyers.
OPINION: Making sense of #Budget2019  IOLEvery year around mid-February, the news cycle turns its focus to the national budget speech.
Personal finance for beginners: 5 money habits you should follow  Times NowAt the beginning of the job, most of the millennials end up exhausting their complete earnings by the mid of the month.
What #Budget2019 means to you personally?  IOLThe 2019 Budget broken down on a personal level.
Government 'must deliver on its #Budget2019 promises'  IOLBoutique fund manager believes government is still "kicking the can down the road"
Weekend catchup — this week’s personal finance headlines  Financial TimesProtection for cash users, inflation falls, Starling fundraiser.
The Budget And Personal Finance – A Damp Squib  BW BusinessworldThis year's interim budget was no different, read the explanation, , Union budget 2019, personal finance.
The Future Of Personal Finance: Fintech 50 2019  ForbesHere are seven of the country's most promising personal finance and insurance companies on our Fintech 50 2019 list.
How to Cope With Gossiping Coworkers  Helena Independent RecordSome people are lucky enough to be friends with their coworkers. Others might opt for a work-only relationship, but still get along well with the folks they share ...
5 Transferable Skills Career Changers Should Emphasize  Helena Independent RecordIf you're thinking about moving to a new career or industry, you're not alone. But making a shift in your career path can be overwhelming if you have no direct ...
Survey shows more people have more credit card debt than savings  WHIOA recent survey shows that more people have credit card debt that's higher than their emergency savings.
How to save money with personal finance apps, debt hacks, and more  MashableA step-by-step guide to saving money by using smartphone finance apps and other clever hacks.
'Bad With Money' Author On Personal Finance And Why Millennials Are Fake  ForbesNew York Times bestselling author Gaby Dunn spills on her new personal finance book "Bad With Money."
The One Factor That Determines If Your Retirement Will Be A Success  ForbesAlmost all retirement planning focuses on finances. That's unfortunate. The state of your finances determines retirement success only up to a point. Surveys of ...
Personal Finance Queries For The Day (11-02-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
Here's a guide on how to choose the right debt fund for your portfolio  Moneycontrol.comIf you want returns from debt funds, make sure you're ready to take on the accompanying risk.
PAY YOUR TAXES: Government is on a mission  IOLGovernment is on a mission to beef up the South African Revenue Services in an effort to improve tax collection.
How to Rewrite Your Money Story | Saving and Budgeting  U.S News & World Report MoneyYour relationship with money, and the way you think about saving, budgeting and spending influences your behavior and financial situation. If you want to break ...
How income from stocks and mutual funds are taxed for an individual  Moneycontrol.comCapital gains from transfer of unlisted share are considered as STCG where period of holding is less than or equal to 24 months, and LTCG when holding period ...
How personal finance education for children is gaining traction in the UAE  The NationalIt is a Saturday, but instead of spending the day at the mall or beach, groups of 8 to 11-year-olds and teenagers are huddled in an office in Dubai's Business Bay ...
PERSONAL FINANCE: How to make your business run without you  Daily NationYour business can, and should grow beyond you. Following my article a few weeks ago on quitting as the CEO of your business, a few people have been asking ...
The 7 Best Personal Finance Books You Need for 2019  TheStreet.comWhat are the ingredients for a high-quality personal finance book? For starters, it needs a clear and coherent message up front that has real-world meaning - that ...
The Biggest Personal Finance Trends You Will See in 2019  Siliconindia.comPersonal financial planning is an exercise which is unique for every person according to their monetary goals in life. Some like to safeguard their financial plan ...
Personal Finance Queries For The Day (04-02-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
31 Quick and Dirty Finance Tips to Get Your Money in Shape  Student Loan HeroWith the new year now underway, you may be looking to make a *fresh* financial start. But sometimes change can be tough to actually achieve — especially when ...
Best personal finance apps for clueless millennials  MashableMillennials, avocado toast, bad spending habits, blah blah blah. At this point, the dead horse has been thoroughly beaten and shipped off to the glue factory.
Personal Finance Site DollarsAndSense Acquires Local Startup FundMyLife  Fintech News SingaporeDollarsAndSense Acquires FundMyLife for an undisclosed sum.
5 personal finance podcasts actually worth your time investment  MicSometimes just thinking about money is overwhelming. With questions about investing, paying off loans, saving for the future, dealing with unexpected expenses ...
Investing After Retirement: Personal Finance 101  Yahoo FinanceInvesting after retirement requires looking at your current financial situation, and then creating the best investment plan for you.
Personal Finance Queries For The Day (28-01-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
#Budget2019: Look forward to more property investments  Independent OnlineSA can look forward to a lot more high-rise housing developments in and around its major metros as part of government's integrated strategy.
Kevin O'Leary: This should be your financial deal-breaker in a relationship  CNBCFor Kevin O'Leary, finance guru and star of ABC's "Shark Tank," there's one thing that should be a financial deal breaker when it comes to your relationship with ...
Menomonee Falls High School awarded for teaching personal finance  Milwaukee Journal SentinelMenomonee Falls High School was one of 887 schools in the United States to be given a Gold Standard award by Next Gen. Personal Finance.
What a higher EPF interest rate means for you  LivemintA higher EPF interest rate not only puts more money into your PF account, but also compounds to make a significant difference.EPFO's decision to put 15% of ...
Budget 2019 Personal Finance Highlights: Income tax rebate for those earning under Rs 5 lakh, other benefits  The Indian ExpressBudget 2019 Personal Finance highlights, Income Tax Slab Rate 2019-20: We tracked how Budget 2019 will impact you. We tracked the changes in taxation that ...
Today's Personal Finance Advice Doesn't Actually Help Those Who Need It Most  HuffPostThose who hawk advice for a living often put their own financial interests ahead of yours.
7 of our favorite personal finance stories from around the web  LaddersWe've curated some of our favorite financial blog posts, with interesting perspectives that made us think about money in a new way.
Moylan would like personal finance a graduation requirement course  Conway Daily SunCONWAY — Principal Neal Moylan presented his final Program of Studies for Kennett High School to the Conway School Board on Monday night, but the ...
Personal finance app gini welcomes competition from bank giants  EJ InsightHong Kong-based startup gini piloted last year a spending tracker app that allows users to bring together all their accounts and credit cards in one spot, enabling ...
What Brexit means for YOUR money – Savings, house prices, travel and MORE  ExpressBREXIT uncertainty and political chaos have led to fluctuations in the British economy. So what will Brexit mean for your personal finances?
Budget 2019: Personal finance highlights  CNBCTV18Interim budget 2019 has been mixed bag from personal finance standpoint. While there are some sops for small taxpayers, the much wanted hike in section 80C ...
Lawmakers considering adding personal finance classes to education curriculum  KSTU FOX 13 Salt Lake CityAUGUSTA, Maine -- Lawmakers in Maine are considering adding financial literacy to student's curriculum. Legislative Document 160 would set up parameters ...
Parish council hosts money talk workshop  Royal GazetteThe Hamilton Parish Council will be hosting its first quality of life workshop, "Let's Talk Money", this evening.The talk will be given by senior business analyst ...
CHS teen offers financial advice, wins national essay competition  Concord MonitorJohanna Van Fleet may still be in high school, but she knows as much about stocks, bonds and mutual funds as her friends do about emojis and apps – and now ...
Budget 2019: Personal finance and tax implications of Interim Budget for common man  The Financial ExpressThe Budget 2019 has identified highly-focused stakeholders, including the vast urban and semi-urban middle class, the farmer, MSMEs and the real estate ...
PERSONAL FINANCE: Law of Attraction guide for wealth creation  Daily NationI once attended a talk titled 'The Billionaire Mindset'. The speaker mentioned something that I always remember — if you want a billion you have to think in ...
Personal Finance in the Cryptocurrency World  Investing.comSign up for the "Personal Finance in the Cryptocurrency World " webinar at Investing.com.
How to check CIBIL credit score for FREE: Step-wise process inside  Times NowOn the CIBIL score dashboard, an individual can check their eligibility for personalised offers such as credit cards, personal loan, business loan, home loan, loan ...
OPINION: Expect a lengthy speech and little action at #Budget2019  IOLAll eyes are on Finance Minister Tito Mboweni, who seems to find himself at the edge of a cliff with no room for manoeuvre as he makes his final preparations for ...
Personal Finance Show: The right approach to retirement and success with styles and factors  Investors ChronicleIn this week's show deputy personal finance editor Taha Lokhandwala explains how to get the right asset allocation for your pension as you approach retirement ...
Become tax savvy to save thousands of pounds  ExpressBRITONS risk throwing away thousands of pounds on unnecessary tax because they are ignorant of basic rules and fail to plan ahead to cut their bills.
Treasury opens door for more discussions on expat tax  IOLTreasury has invited key stakeholders to a workshop early next month to address continued concerns around the amended foreign income tax exemption.
11 smart ways to spend your tax refund, according to personal finance experts  NBC NewsThose W-2s and 1099s are starting to roll in and you're already dreaming of the day you check your bank balance and there it is — that nice fat direct deposit of ...
You Won't Need A Credit Card For These Personal Finance Resources, But They May Attract Interest  GPBFree resources to help students navigate the world of personal finance.
‘Empire’ star Jussie Smollett’s salary, net worth compared to co-stars  Fox BusinessChicago cops said Smollett staged his attack because he was “dissatisfied with his salary.”
How to Pay the Government Less Money Legally  Twin Falls Times-NewsIt's bad enough that you have to give a chunk of your income to Uncle Sam, but it's even worse when you also have to give a chunk of money to a tax preparer ...
Personal finance app Fintify gets FCA approval  Fintech FuturesUK-based personal finance app Fintify has secured approval from the Financial Conduct Authority (FCA) to operate as a registered account information *service* ...
What can personal income taxpayers expect from the #Budget2019  IOLAgainst the backdrop of the weakening rand, the pain point of the increased marginal tax rate of 45 per cent, the increase in the VAT rate by 1 percent in April ...
Americans are feeling good about personal finance  Yahoo FinanceA new Gallup poll shows Americans are more optimistic about their personal finance than they have been in sixteen years.Yahoo Finance's Adam Shapiro, Julie ...
From Football to Personal Finance | NewsCenter  SDSU NewscenterStory Keywords: Athletics, Fowler College of Business, Alumni, Community, Finance, Management, Marketing, News. Print Page. Email. Please enter your info ...
Personal finance boot camp set for Feb. 22 at Penn State Altoona  Penn State NewsPeter Bielagus will present "How To Put More Money In Your Pocket Today: A College Personal Finance Boot Camp" from 12:10 to 1:10 p.m. on Friday, Feb.
RRSP vs. TFSA: Why the tax free savings account is often the better choice for savers  Financial PostTORONTO — The registered retirement savings plan (RRSP) is one of the best-known tax shelters available to Canadians, particularly in the weeks before the ...
PERSONAL FINANCE: Should you quit as the CEO of your business?  Daily NationI am not the CEO of this business, which I founded 10 years ago. I am still a director, but I do not run the company. Someone else now calls the shots.
Help with the mortgage: More married couples bring in roommates to ease cost, study shows  USA TODAYMarried couples getting roommates is a small but seemingly enduring trend as high housing costs make owning and renting too pricey for many.
Here's the 7-step strategy one guy used to become a millionaire and retire at 30  The Australian Financial ReviewSelf-made millionaire Grant Sabatier retired early at 30 years old with a nest egg of $US1.25 million by using a seven-step strategy, which you can use for your ...
Should You Get the Apple and Goldman Sachs Credit Card?  LifehackerApple and Goldman Sachs will launch a joint credit card this spring, the Wall Street Journal reports. The card is expected to be paired with new Apple Wallet ...
5 common mistakes to avoid when making tax-saving investments  Times NowTaxpayers should always choose a mix of investment and insurance products such as Equity Linked Saving Schemes, life insurance, medical insurance, Public ...
In honor of Black History Month, 12 financial gurus to follow in 2019  Tampa Bay TimesIn honor of Black History Month, we asked these personal finance experts to reflect on 2019 — the questions or concerns they're hearing, the advice they're ...
How to Get Better at Money, According to an Expert  ELLE.comTonya Rapley, the founder of My Fab Finance, shares her tips on how to build a strong financial future and her favorite money management apps to use.
Personal finance guru Suze Orman says you need 'at least $5m to retire'  New Zealand HeraldA personal finance guru has sparked a backlash by claiming people need at least $5 million to retire and pouring cold water on the "FIRE" movement. FIRE ...
A few financial management lessons for the year ahead  Independent OnlineHere are a few tips aimed at assisting consumers to maintain a financially healthy lifestyle.
Suze Orman: Personal finance guru says you need $5 million to retire  NEWS.com.auA personal finance guru has sparked a backlash by claiming people need at least $5 million to retire and pouring cold water on the “FIRE” movement.
High School students to learn about personal finance  KRNV My News 4Today, Wednesday, Feb. 6, students at Wooster High School are participating in “Foundations in Personal Finance” curriculum in an effort to provide them with ...
How to give your home to your adult child tax-free when you don't have to pay federal income tax  MarketWatchHappy Thursday, MarketWatchers! Don't forget to read today's top personal finance stories. New Jersey is dedicating a 'food trail' to Anthony Bourdain.
Brexit news: Will Brexit affect me transferring money to Europe?  ExpressAs a deal between the UK and EU has not been agreed yet, the impacts Brexit can have on the economy is still uncertain. With Brexit less than 40 days away, ...
Canadians using their homes as ATMs in a swooning housing market put financial system at risk: DBRS  Financial PostCanadians are ramping up borrowing against their homes even as the real estate market slumps, exposing the country's financial system to vulnerabilities, rating ...
Labor rejects royal commission via mortgage broker backflip  The Australian Financial ReviewLabor has made an important policy backflip on mortgage brokers that has resulted in it formally rejecting one of the royal commission's most significant ...
Here's why getting exactly zero back from the IRS might be a good thing  CNBCIn a perfect world, taxpayers would nail their tax liability so that they neither owe the IRS nor do they get a giant refund. Montana happens to have the greatest ...
Real Health Podcast: Personal finance editor Charlie Weston's top tips on achieving financial health to make your life better  Independent.ieIt's already February and many of you may still be finding yourself stretched after Christmas, so this week on the Real Health podcast, we're going off in a bit of a ...
How to ensure you are not conned by the fraudsters  Independent.ieQ: How do I avoid being scammed? A: Never give out personal information until you have checked the caller is genuinely from the organisation they claim to be ...
Apple Credit Card Rumors Resurface  Motley FoolIt's been nearly a year since the first rumors that Apple (NASDAQ:AAPL) was working on a credit card emerged. The Mac maker has long partnered with ...
Tips to protect your home when fire strikes  Independent Onlinethe number of catastrophic fires resulting in widespread personal property loss has increased in South Africa.
Fed sounds dovish note on interest rates: Why you should care  Fox BusinessWhat does it mean, exactly, for your own personal finances?
When it makes financial sense for married couples to file their taxes separately  MarketWatchWhile most couples benefit from filing a joint tax return, there are some exceptions.
BNP Paribas Personal Finance collaborates with DealTrak for motor finance  VerdictBNP Paribas Personal Finance partnership has signed a deal with F&I platform DealTrak to grow its presence in the UK automotive finance sector.
Your Money: Cash in on online bank shake-up  Independent.ieThey're called disrupters - online banks using technology to unseat the traditional players. It's changing the face of banking as we know it, especially among ...
How strategic personal finance management can help pick the most suitable investments for you  Economic TimesBeing in charge of our wealth is to stay focused on what we want our money to do for us and driving decisions in that direction in a disciplined manner.
10 personal finance resolutions for 2019 to put your financial house in order  The Financial ExpressWe can simply start by making solid financial resolutions that can help get us closer to our money goals.
Personal finance this week: Invest wisely in a volatile environment this festive season  Moneycontrol.comIf you are keen to build your portfolio now or want to take some corrective actions, you should first evaluate your risk profile.
6 personal finance resolutions for New Year 2019  Times NowNew Delhi: The beginning of the calendar year is one of the best suited time for making personal finance resolutions. In the current quarter (January-March), ...
Govt notifies hike in its contribution to central govt employees NPS to 14% just before Budget 2019  Economic TimesPerhaps kicking off the provision of sops in the budget, the central government has notified the increase in its contribution to central government employees NPS ...
Personal Finance Queries For The Day (01-01-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
Personal Finance Moves To Make Before 2018 Ends  BW BusinessworldNaveen Kukreja - Mentioned below are some of the smart yet easy money moves that would enable you to kick-start the New Year with stress free finances and ...

Dramatically Improve Your Stock Trading Success

Get Access to Realistic profitable strategies & discover the mindset... Read More

How To Reap The Rewards With Rewards Programs

Recently, many of these loyalty rewards programs have come to... Read More

Budgeting Before Buying

With interest rates being at an all-time low, I can... Read More

Expenses A ? What Are They And What Can We Do About Them

It is crucial as an individual who is striving for... Read More

Budgeting is Essential for a Single Mothers Success

Today many women are struggling with debt and it's even... Read More

Chex Systems ? Why Every American Needs To Guard His Checking Account With His Life

Most Americans have been brought up to be concerned about... Read More

10 Steps to Take if You Are a Victim of Identity Theft

There have been an estimated 9.9 million victims on America... Read More

What is ChexSystems?

Commonly referred to as the first of the three major... Read More

The Magic Of Compound Interest

Christians are called to be good stewards of God's resources.... Read More

Debt Management ? Watch Out for Bank Fees!

During the last twenty years, banks have offered a number... Read More

Personal Finance ? Why You Should Compare, not Despair

Sorting out your personal finances can be a tricky and... Read More

Saving Money - The Magic 20 Percent

Saving money is not easy and is made more difficult... Read More

Single Mother Resources Directs You Towards Success

As a parent you are bound to face a few... Read More

10 Quick And Cheap Ways To Cut Your Heating Bill

When you received an energy (heating) bill last winter, were... Read More

Estate Planning Basics

You have probably accomplished a great deal with your life.... Read More

Why Live Frugally

What is it about being frugal, why do it at... Read More

7 Simple Ways To Save Money

Each of us knows how to spend money, but do... Read More

Retirement Income Needs---Less Than You Think?

It is widely written that you need 75% of your... Read More

Risky Business: You May Not be as Daring as You Think

I thought I was through with exams when I finished... Read More

Money Matters - Really!

One of the biggest challenges facing black RELATIONSHIPS today are... Read More

Personal Checks ? Extreme Benefits

Millions of people have a checking account and many people... Read More

How To Get Ahead On A Low Income

Do you struggle from week to week trying to make... Read More

Save Money on Gas

Gas prices have soared to unimaginable heights of late. Since... Read More

The Good and the Bad of Money Management

Good money management needn't be difficult. In fact, there a... Read More

Stretching Your Grocery Dollars

Shopping for groceries is an inevitable fact of our ever... Read More