Why Millennials and Gen Xers Face Filing for Bankruptcy

333333333NEW YORK — Kristina McKinney was left with no recourse when her mother used her identity and rented six apartments during her stint in the army, leaving her on the hook for the unpaid rent.

When the creditors started garnishing her wages, McKinney, 23, who is now a manager at a Walgreens drug store in Colorado Springs, Colorado, faced only two heartrending options — file a police report and send her mother to prison for fraud for the leases she signed over five years or file for bankruptcy. Unable even to obtain a cellphone contract or rent her own apartment because of the debt, McKinney decided her only option was to file for Chapter 7 in January.

“I feel like I did the right thing even though it sucked,” she told MainStreet. “The debt made me look like an irresponsible person.”

“I don’t have that much to my name, but I did it more so that we could survive since I am about to have a baby,” she added.

While many millennials and Gen-Xers may have more debt than assets, they should determine if they need to file for bankruptcy

Seek Counseling Before Filing

McKinney sought the free

Is this Government bank behind the alternative finance boom

1Governments enjoy taking credit for times of plenty and denying responsibility for busts. So it comes as no surprise when Keith Morgan, chief executive of the government-owned and run British Business Bank, makes the bold statement that his organisation is behind the rise of one of the most exciting industries in the UK – the nascent alternative finance sector.

From crowdsourced cash to asset finance, bonds and invoice-based credit, alterative finance has become a crucial port of call for small firms that have been refused traditional loans by the banks.

The sector grew 160pc last year and 150pc in 2013, and is projected to dole out £12.3bn in 2020 – 10 times the £1.2bn it lent in 2014.

Despite only being cleared to operate at the end of 2014, the BBB has been instrumental in the growth of these new financial models, says Morgan.

“When you look at the increases in lending and growth in the alternative finance sector, we’ve absolutely been part of that,” he says. “We’ve been playing a role to catalyse and accelerate activity in that area.”

This role mostly involves cash. The BBB, which has a warchest of £3bn, has the power to

The Financial Advice That Women Really Want

222222222Several members of our staff recently went to an investment conference at which a hot topic was women and money, and they suggested that we do a story on the subject. The office reaction was mixed. “It sounds patronizing,” said one female colleague.

For me, it was a case of déjà vu. Ten years ago, I was asked to write a book about women and money, and I had a similar discussion with my editor at the time. Money is gender-neutral, he argued, so any financial story we did should apply equally to men and women. Wouldn’t it be unnecessary, even insulting, to suggest otherwise? I replied that it certainly would be insulting if we adopted the attitude that financial information needed to be dumbed-down (or softened up) for women. But we’d be doing a real service if we reflected reality: Women often need specific financial advice tailored to their needs.

In the end, I wrote the book, originally titled “Think Single! The Woman’s Guide to Financial Security at Every Stage of Life.” The idea of “thinking single” had nothing to do with a woman’s matrimonial state. Rather, it referred to a state

How is the Market for Residential Property in Andheri East

Looking for residential property in Andheri East? There are several high-rises and housing complexes where you can find luxurious 2 and 3 BHK flats in Andheri East.

Andheri East is one of the most sought-after areas for real estate investment in Mumbai. Property market in this area offers a good mix of residential as well as commercial units. This area is not only blessed with quality infrastructure, but its strategic location also makes it a favorite among property buyers.

It is one of the most populated suburbs in Mumbai that is located in close proximity to Western and Eastern Express highways. Since it is in between two of the major highways, getting to any part of Mumbai becomes easy. This is one of the major reasons why residential property in Andheri East is always in high demand. Even commercial property in this part of Mumbai is in demand as various corporate houses have their offices in Andheri East and Powai. Due to this demand, rental rates are also high.

Why Buy Residential Property in Andheri East?

When compared to Andheri, Andheri East is quite affordable. Property rate per square feet in this area is approximately 30% lower than that of Andheri West. Due to the

Online Fraud Management Experts

At all times, people must be aware that we must begin with the basics. The expected and real fraud management tools are very essential as well as the right monitoring can avoid most online fraud before it happens.

When we talk about the world of internet, the word “fraud” refers to the stuff generated whenever an individual gets a data from a credit card that absolutely belongs to another person and obtain a purchase, establishing an unauthorized charge. It is typical to witness this kind of fraud whenever the owner of the card data makes a share or whenever due to the low security data of the website to the other user.

By this time, fraud is very perceptive, the people doing this are much advanced when it comes in technology, and at the same time they are able to simply mask their true identity. Therefore, your fraud management requires being versatile to remain pace. Generating the danger in management infrastructure is very much challenging, however you can have few thought of practices of all sizes that merchants can utilized to better know the identity fraud as well as to avoid chargebacks.

1. Geo location

The endpoint of a certain IP address can show

Faxless Payday Loans to Help You Gain Easy Money

Do you need easy cash for coping up with problems that pave way into life at a point of time when you are least expecting the problem? The problem or situation is so grave that you do not even have time to get involved in any kind of formality. Well, if so, then you are the right candidate for Faxless Payday Loans. These loans are simply the apt choice for people who are in dire requirement for monetary help that arise in your life with no delay.

What makes this loan preferred a choice?

As the name implies, these are the loans which enable people with easy to acquire money without any form of formality or tiresome process. As and when a person decides to avail the benefits of this loan, he has to just spare out a few minutes and fill up the application form that too without having to think of any kind of formality of faxing documents. If you are someone who is seeking cash assistance without much of formality then you can opt for this loan as the entire process applying will be completed online thus you have to go nowhere.

Gain money according to the need!

If easy and

Best Residential Locations in Abu Dhabi

Al Reem Island continues to be essentially the most searched location in Abu Dhabi for property buys and leases, following the most recent statistics. Beside from confirming Reem Island’s constant rating, the fourth quarterly report launched by UAE primarily based property portal PropertyFinder additionally states that Reem Island has been gaining on reputation as well.

After reviewing roughly two million investors, the portal concluded 18.67% of individuals have been looking out to purchase properties in Reem Island whereas 18.41% of individuals had been trying to lease in the identical location. The group that topped the record for many searches associated to property purchases or leases occurred to be western expatriates who’ve just lately moved to the UAE.

Based on the report, the waterfront promenades, sea view properties and small-city attraction are a number of the components that make Reem Island such an exotic location for residential living. It presents a holiday-like escape to residents with easy accessibility to business infrastructure and social interactivity.

Whereas the best 5 areas, most searched, to lease property remained the identical in all four quartiles of the year, there have been some adjustments within the different spots on the checklist. As an illustration, Al Reef discovered itself rating

How to get your health insured

With rising health hazards, along with the costs of medical facilities, it is important to plan your expenses beforehand. It’s never recommended to tap on your savings for your ailment because you may never be sure about the funds required so you cannot make preparation. Therefore, it is always advisable to protect yourself and your family with health insurance.

The changing lifestyle brings with itself a lot of minor and major health issues too and these health issues can affectively affect your monthly budget. So, why not get a health insurance done?


Health insurance is the type of insurance that covers your medical expenses. Insurance against loss by illness or bodily injury. Depending on the type of health insurance coverage you opt for, either you pay costs out of pocket and then it is reimbursed, or the insurer pays the provider directly.

Like other policies, a health insurance is a contact between the insurer and insured person in which the insurer provides specific health insurance cover at a particular premium subject to terms and conditions specified in the policy.


Because never in your life you can be certain of what’s coming next. Health is greatest

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