Real Estate: What is a Short Sale?

Ray: I’m going to keep this short and sweet. A Short Sail or Short Pay is a situation where a home owner decides to sell their home for an amount less than what they owe. For example: John pays $100,000 for his home in 2007. In 2010, John decides to sell his home but the [...]

Ray’s Top Side Hustles – A Few Ways to Earn Extra Money

Ray: If times are hard for a pimp, then it must be extra hard for the ordinary working person. Money is tight these days and everyone is looking for ways to stretch their dollars. But as the great poet Sean Carter once said, “Whenever there’s a drought, get your umbrellas out because that’s when I [...]

Consolidate Your Loans Now!!!

Note: None of the following should be taken to be professional advice on the subject matter. Before choosing any course of action, be sure to consult your school’s financial aid office, loan issuing agency, or the Department of Education’s website. This article contains information that the author has taken care to verify. However, be sure [...]

A New Kind of Slavery

Ray: From 1654 to 1865, America practiced legalized slavery. We are all very familiar with the history of African natives being forced into slavery in America. In fact, it is a fact in history that slave labor was the biggest determining factor of America’s economic success in those early years. But today, there is a [...]

Taxes Part 2 – Can a Flat Rate Actually Work?

Ray: As Seth and many other people know, I am very passionate when it comes to the subject of taxes. It’s not that I hate taxes; I just want to be taxed fairly and efficiently. I don’t understand high taxes and extremely large government. I just don’t. Anyhow, here’s a clip from Hannity and Colmes [...]

The Basics of Creating Wealth – Passive Income

Ray: The Bible says that, “A fool and his gold are soon separated.” That’s very true. All of us have done some foolish things with our money which have caused us to permanently separate from it. I know this because we all make mistakes. So I’ve decided to share a bit of knowledge about the [...]

Learn to Manage Your Credit Score

Seth: After months of harassment from my girlfriend, last week I took advantage of www.annualcreditreport.com and got my credit report. I paid the extra $7.95 for my credit score, and it was well worth it. To my shock and dismay, my credit score is in the “Not Good” bracket. That’s just above “Bad;” I suppose [...]