Category: News

What Lifestyle Can You Afford on $50,000?

The median household income in the United States has hovered just over $50,000 for the past few years, according to research from the U.S. Census Bureau. But the lifestyle you can afford on that income varies significantly depending on where you are, as anyone who lives in New York City or San Francisco can tell you. It’s not just housing prices that vary, the cost of everything from eating out to getting around can fluctuate a lot from one place to another. Here’s how far $50,000 goes in eight cities across the country — from Huntsville, Alabama, to Los Angeles.


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The Relationship Between a Healthy Lifestyle and Healthy Finances

Healthy finances and a healthy lifestyle go hand in hand. If your bank account and budget are in good shape, chances are that your health is in pretty good shape, too. Here’s why:

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6 credit mistakes moms make

When my daughter was little, she didn’t always like my decisions, but she thought I was perfect. Now that she’s older, she knows Mom can mess up – including credit mistakes.


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Top Facts About Credit Repair Services

Good credit plays a vital part in getting the money you need to make major purchases, whether you are buying a new home, a new car or securing a credit card. But for many Americans, past trouble in paying off debt or mistakes by credit reporting agencies can lead to lower credit scores, which ultimately limits your ability to secure credit.

If you are one of millions of Americans who have negative events on their credit reports, one option to improve your credit score is to work with credit repair services.




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Identity theft: How to Protect Yourself Now

There’s a lot of advice about how to deal with identity theft around these days – some helpful, some unrealistic, and some a little ridiculous. We’ve done the research for you and present the following easy-to-do, indispensable steps. These items should be considered MUST-DOs if you’re serious about minimizing the effect identity theft can have on your life.



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Improving your credit is a matter of common sense

Everyone would like there to be some big secret to improving your credit around in an instant, but there isn’t one. It took time and bad credit habits to get you into trouble. It will take time and good credit habits to get you out of trouble.

That’s always part of our common sense advice. While you don’t want to hear it, the fact is that good credit management is just common sense. Pay your bills on time, keep your balances low and you will eventually rebuild your credit.


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Credit or Debit: Pick Your Plastic

In the debate over whether debit or credit cards reign supreme, there may never be a tidy conclusion. Some financial experts champion credit cards as the best payment method, citing their superior rewards and benefits and heightened fraud protection. Others say debit cards are the way to go, especially for certain types of spenders. “Some folks just don’t do well with credit cards,” says Alan Moore, a certified financial planner with offices in Milwaukee, Wis., and Bozeman, Mont. “They lose track of their expenses and seem to always be in debt.


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10 worst government data breaches

government data breaches

The 2012 political races were dominated by a debate about the “makers” versus the “takers” of government data breaches among the American electorate.

But it was government agencies themselves that were taken — by hackers, security flaws and employee ineptitude.

Government agencies, from small county election boards to NASA, suffered data breaches. In fact, our federal and state governments have lost more than 94 million data records in the past four years, according to a recent report.

No. 10: NASA.

No. 9: County Board of Elections, North Carolina.

No. 8: School system, Tennessee.

No. 7: Wisconsin revenue department….


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Homeowners Out of Luck in Finding Foreclosure Relief

Bank of America is making national headlines, as six former employees filed declarations in a federal court this month alleging that the mortgage lender engaged in fraudulent practices to force customers into foreclosure.

As the largest mortgage servicer in the Home Affordable Modification Program (HAMP) when the program began in 2009, Bank of America held twice as many eligible loans as the next largest bank. But former employees are claiming that bank officials arbitrarily declined masses of applications, rewarded employees for foreclosing on homes and falsely claimed they hadn’t received documents from homeowners.

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What to do if you need Bad Credit Help

Get Bad Credit Help.

If you are struggling with bad credit, Legacy Legal can help. Legacy Legal is a professional team of paralegals who has helped thousands of consumers, like yourself, improve their bad credit. Our goal at Legacy Legal is to see our clients achieve a credit score of at least 700, which enables them to get the most favorable rates and terms for loans, mortgages and insurance and can even help them get a job.