David Hoyer's Articles

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  • Getting Divorced? Save Your Credit History First
    Forty-three out of all first marriages end in either divorce or separation sometime within 15 years of being married. Divorce can often have a devastating emotional impact on the two partners. But the financial affects on all parties involved can be just as life changing as the emotional affects.
  • A Budget Can Make Your Financial Dreams Come True
    The reason we budget is so we can pay for our necessities but still live and enjoy a reasonably comfortable life. This means that if we're making $32,000 a year, we don't buy a million dollar home. Instead, we find a more suitably priced home in the nicest neighborhood that we can afford.
  • What The Bankruptcy Law Changes Mean To You
    If you do not have health insurance, a catastrophic illness such as cancer, can wipe you out financially. Even for many people with health insurance, the combination of premiums and deductibles, can put a major dent in their finances.
  • Before You Declare Bankruptcy - Wait
    It used to be that if for whatever reason, you found yourself drowning in a sea of debt, you could always depend on filing for bankruptcy as your last lifeline to solvency. The new bankruptcy law, effective as of October 2005, changes all of that.
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