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Brad Stroh's Articles

  • 4 Steps To Make The Most Of Your Student Loans
    --For the 66% of students with educational debt, doing homework leads to smart financing--

    Now that most of this year’s pomp and circumstance, cap-tossing, and graduation parties are in the memory banks, the reality of paying for college or graduate school is setting in. According to FinAid, two-thirds of college students borrow to pay for school – with an average loan debt of nearly $20,000. Ten percent of parents borrow for their students’ education, borrowing an average...
  • 5 Ways To Numb The Financial Pain Of Divorce
    Whether it comes before or after the papers are signed, economic hardship is all too familiar to many couples who divorce. Following a few financial guidelines can ease the burden during this difficult time.

    Each year, 1 million Americans divorce. More than 80 percent of divorcing couples cite “debt and financial distress” as the primary factor in the dissolution of their marriages, according to an American Bar Association survey, and studies find that most families suffer...
  • Home Refi - How To Determine If It’s Time To Refinance
    Who wouldn’t enjoy a break on their monthly mortgage payment? On the other hand, how can you be sure that the timing is right to refinance? Are the rates and the current mortgage market the best indicators? What about other factors having to do with your mortgage, such as mortgage insurance, rising payment amounts, and the long-term goals you have for paying off your loan? Do you have needs such as debt consolidation that a refinance could address? All of these are important ...
  • How To Improve Your Credit Rating
    Your credit rating is something you shouldn’t take for granted. If left to spin out of control, it can cause serious repercussions that will follow you throughout your life. If your credit isn’t the best, or could use an improvement, here are a few ways how you can improve your credit rating.

    Make Payments on Time
    If you pay your bills late, you’re not only incurring late fees, but you’re also damaging your credit. And if you miss a payment, it’s even worse. Your payment ...
  • Top-Ten Ways To Consolidate Your Debt
    For a growing number of Americans, debt is a serious problem, and one that can “sneak up” on you. The first step toward controlling your debt is being aware of it. Once you’ve established that you need to consolidate and pay down your debt, the following ten possibilities may be useful to you.

    10. If you have a 401-K or other employer-sponsored retirement account, borrow part of the money to pay down your debt. This should be used as a last resort, however. If you cannot p...
  • What Is A Preferred Provider Organization (PPO)?
    A Preferred Provider Organization (also known as a PPO) is a managed care system that offers members health benefits and medical coverage based on a specific structure and network of medical professionals and facilities. PPOs are commonly sponsored by employers or insurance companies and help subsidize member medical costs. All doctors, hospitals, and health care providers involved in the network are selected by the preferred provider organization to provide medical assistanc...
  • What To Do If You've Been In A Car Accident
    Chances are you’ll be involved in at least one car accident in your lifetime. Traffic accidents occur daily and range in severity. But regardless of how severe your traffic accident may be, there are a few steps everyone needs to follow in the aftermath of a car accident.

    Car Accident Fundamentals

    If you get into a car accident you need to:

    1) Stop: Immediately after you get into an accident, stop. If you caused the accident, don’t run. Take responsibility and acknow...

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