Education Library

	Mr. G draws from a background of over 30 years experience as a counselor, speaker, and writer. He is founder and author of SmartStartz, an educational series of booklets for teens through adults, serves on the Board of Directors for the Iowa Jumpstart Coalition, is a nationally certified credit counselor and parent trainer, and has authored seven books on finances and family counseling.
Email Mr. G with questions or comments at askmrg@yahoo.com

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Attitudes Top 10 List of Credit Don'ts Ten Perspectives That Will Sink Your Financial Ship Four Attitudes That Lead To Financial Ruin Common Attitudes Toward Credit Cards Common Attitude Toward Savings Savings: Overcoming the Obstacles Attitudes Top 10 List of Credit Don'ts Ten Perspectives That Will Sink Your Financial Ship Four Attitudes That Lead To Financial Ruin Common Attitudes Toward Credit Cards Common Attitude Toward Savings Savings: Overcoming the Obstacles Automobiles Affordable Payments? New Or Used? Payments - For How Long? Leasing Vs. Buying Buying or Leasing (2) Reposession - What Is It? Tips For Buying A Used Car Getting The Best Loan Car Title L:oans Bankruptcy 2005 Bankruptcy Reform Act 2007 Bankruptcy Filings Soar By 40% Chapter 7 Vs. Chapter 13 House and Cars Reaffirmation Agreement Bankruptcy and Credit Counseling Agencies Budgeting A SIMPLE Budget, Please How To Tell What Is "Spendable" Income Budgeting With Fluctuating Income Tracking Expenses Is Not Budgeting Why Is It Always Feast Or Famine? Emergencies Savings - Nobody Does It. Why? Emergencies Savings - Overcoming The Obstacles The Rule of 72 Checks and Checking Accounts Checking Account Terminology How To Write A Check How To Make A Deposit Balancing Your Check Book Christmas Spending Top 10 Things To Remember For Christmas The Ghost of Christmas Past Things You Should Know About Holiday Gift Cards Consumer Protection Top 10 Complaints - Federal Trade Commission Rapid Tax-Refund Loans National Do Not Call List Online Shopping Credit Insurance Fair Debt Collections Rent-To-Own PayDay Loans Zero-Percent Financing Cell Phone Plans Work-At-Home Schemes Opting Out of Credit Card Offers A safer credit-counseling world? The overall outlook improves for consumers. Credit Top 10 List of Credit Don'ts Ten Perspectives That Will sink Your Financial Ship What Exactly Is Credit? Installment Vs. Revolving Credit Bad Credit. So What? The Five C's of Good Credit Four Traps To Avoid Credit Repair Clinics Credit Rules Bookmark Late Payments and Your Credit Does Credit Counseling Lower Your Credit Score? Does Credit Counseling Lower Your Credit Score? A Testimonial. Credit Top 10 List of Credit Don'ts Ten Perspectives That Will sink Your Financial Ship What Exactly Is Credit? Installment Vs. Revolving Credit Bad Credit. So What? The Five C's of Good Credit Four Traps To Avoid Credit Repair Clinics Credit Rules Bookmark Late Payments and Your Credit Does Credit Counseling Lower Your Credit Score? Does Credit Counseling Lower Your Credit Score? A Testimonial. Credit Card News 2007 Credit Card Spending Topps $2 Trillion 50% Of College Students Have $5000 of Credit Card Debt Transition Statistics Diet or Debt? Average Credit Card Debt Give McDonald's Credit - Literally TOP TEN REASONS WHY YOUR CREDIT CARD RATE WENT UP How To Opt Out of Credit Card Offers Senior Citizens and Growing Credit Card Debt Credit Cards: Questions Universal Default: What is it? Age Requirements Closing An Account With A Balance? Finances Charges And Closed Accounts Lower Interest Rates? Late Fee - Can It Create An Over-limit Fee? Interest Rates - How High? Late Payments And Interest Rates Rate Vs. Fixed Rate Late Payments And Interest Rates on Other Cards Transfering Balances Lost or Stolen Cards Who's The Biggest? Who can put a charge on our credit card account? Shopping Tips for Credit Cards Late Payments and Your Credit Credit Cards: Terminology Universal Default: What is it? APR Vs. Finance Charge Cash Advances Convenience Checks Credit Card Vs. Debit Card Credit Limit Grace Period Introductory Rate Vs. Fixed Rate Late Fees Over Limit Fees Pre-Approved Secured Cards Smart Cards

Credit Counseling Agencies A safer credit-counseling world? The overall outlook improves for consumers. Important Qualifications Same Effect As Bankruptcy? Credit Counseling Agencies vs. Debt Settlement Companies A Bad Rap from the Mortgage Industry? Does Credit Counseling Lower Your Credit Score? Does Credit Counseling Lower Your Credit Score? A Testimonial. Credit Rebuilding Rebuilding Credit Credit Repair Clinics Credit Repair Clinics Credit Repair Clinics Credit Reports The What's and The Why's How can I get copy of my credit report? What does it cost? Free credit report? Yes, but be careful. What Information Is On It? Who Reports to Whom? Bad Marks - How Long? Inquiries Why Do Mistakes Occur? Mistakes - How To Get Them Corrected Fraud New SS#, New Credit Report? The Credit Profile of An Average American Credit Scores The What And The Why The How Making It Better One Late Payment and Your Credit Score The Do's and Don'ts of Closing Old Accounts Does Credit Counseling Lower Your Credit Score? Does Credit Counseling Lower Your Credit Score? A Testimonial. Raising Your Score As An Authorized User? Creditors Dealing With If Behind What they can and cannot do. Harrassment Fair Debt Collections Debt Co-Signing: Is It Wise? Charge Offs - All You Ever Wanted To Know Judgments:What Are They And How Do They Work? Judgment Proof Who's Responsible After Spouse's Death? Divorce and Debt Settlement Agreements Paying Debt With Home Equity Loans Pay Off Credit Card Debt 5-25 Times Faster Your Home: Asset or ATM Machine? Debt Settlement Companies Debt Consolidation Company vs. Debt Settlement Company Shocking Facts: What Debt Settlement Companies Don't Tell You Settlement Agreements - Can I Do Them Myself? Federal Consumer Protection Laws Equal Credit Opportunity Act Fair Credit Billing Act Fair Credit Reporting Act Fair Debt Collection Practices Act Truth In Lending Act Soldiers and Sailors Relief Act Identity Theft How It Occurs Protection Against If A Victim Identity Thieves Employ High-Tech Tactics 14 Tips to Avoid Identity Theft Lay-offs, Downsizing, and Job Loss Dealing With Lay-offs, Downsizing, and Unemployment Letters Dispute Credit File Errors Cease and Desist Letter Mortgages Tax Benefits for Home Ownership Reverse Mortgages Home Equity Loans To Pay Off Debt? Owning Vs. Renting (PMI) Private Mortgage Insurance Cancelation Within Three Days Looking for the Best Mortgage Getting The Best Loan I hear bad comments from the mortgage industry about credit counseling. Why? Your Home: Asset or ATM Machine? Savings Why Do So Few People Save? Savings: Overcoming the Obstacles Young Adult Corner - Money Smart Tips Common Mistakes Young Adults Make with Money and How to Avoid Them 5 Ways to Cut Spending...and Still Get to Do and Buy Cool Things Five Things You Should Know About Credit Cards Five Things You Should Know About... Checks and Checking Accounts 50% Of College Students Have $5000 of Credit Card Debt Simple, Everyday Things You Can Do to Save Money A Savings Account: Overcoming the Obstacles A Small Savings Account Can Get Big Over Time Do You Really Need Those $125 Designer Sneakers? High-Tech Banking, 24/7 Getting a Loan: A Responsibility to Be Taken Seriously Ages and Stages of Money Management: A To-Do List Another Good Use of Your Money: Helping the Less Fortunate Tips For Buying A Used Car Your Home: Asset or ATM Machine? Financial Fraud and Theft - Protect Yourself The Financial Aptitude Test - F.A.T.