How To Negotiate With Your Creditors
You don't need a debt settlement company to settle your debts. The negotiation technique is simple and easily done without professional help.
Debt is an important part of our financial system and a useful tool, but it can also lead to financial ruin while maintaining poverty. It can be great and destructive at the same time, and it should be looked at as a double-edged sword.
You don't need a debt settlement company to settle your debts. The negotiation technique is simple and easily done without professional help.
For low discipline, finance-challenged people like us, I think I make the case for the advantages of getting out of debt and fixing your financial house quickly. I know we feel like we made it just in time.
Getting the big picture right is the most important thing. If you don't know where you stand financially, the fear of how bad it might be can be paralyzing.
Paying off a mortgage early versus investing is a long-standing debate that won't be solved any time soon. Here are six reasons high earners probably ought to lean toward paying it off.
The National Health Service Corps offers both a loan repayment program and a scholarship program, but the scholarship program is way better, especially for dentists.
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We're trying to be debt-free, kind of. The first year of our debt pay-off scheme has seen some successes and some failures. Here's a report.
I received this question by email a few months back. I sent a very nice reply, some of which is included in the "answer" to this question. However, the more I got to thinking about this, the more I th...
By Dr. James M. Dahle, WCI Founder Earlier this year, Thomas J. Anderson published a follow-up to his "NYT Bestselling" book The Value of Debt called The Value of Debt in Retirement. (Interestingly, b...
The first goal for most doctors is to get back to a net worth of zero. It will be far easier to do that if you don't have any credit card debt and if you "go nuts" on your student loans for your first year or two out of residency.
I am an ordinary hard-working resident who has been blessed with the motivation to be debt-free. I attended a medical school in a high cost of living area (rent of $1700-1900 per month) with tuition a...
By Dr. Jim Dahle, WCI Founder A medical school graduate recently published an account of the financial disaster she is facing due to a failure to match into a residency program two years running. Afte...
I'm a big fan of debt-free living. Probably too big of a fan, actually. I know of at least one financial error I've made because of a general abhorrence of debt (can anyone say HPSP?) At this point in...
Should you go for forgiveness or try to refinance student loans? When should you pay off debt vs invest? Here are the 10 best ways manage your debt.
As a general rule, I recommend against residents buying a home for a number of reasons. However, there are exceptions to every general rule. More recently, I have become aware of a program that makes...
Many other high income professionals are eligible for physician mortgage loans. This loan allows less than 20% down without PMI, is issued with a contract rather than proven income, and generally ignores the student loan burden.
Medical school may not have taught you about money, but we will.
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