If you're finishing up your business plan and starting to think about presenting the plan to potential investors and lenders the presentation is important.

You've been bombarded with credit card offers of all types since you became an adult, so it's no surprise that you're now thousands of dollars in debt. This massive debt, combined with the occasional missed payment, has caused your credit score to sink so low that it's considered poor.

If you're considering using your home equity to get a debt consolidation loan and pay down your credit card debt you should know about loan rates

The acronym FICO stands for Fair Isaac & Company, the actual company who pioneered this mathematical calculation, during the late 1950's.

Do you have at least $10,000 in credit card debt? If so you're like a lot of other families. Credit cards have become a way of life. Few people carry much cash any more or even a checkbook. Credit cards maybe a convenience or even a necessity but you can quickly get underwater.

A poor credit debt consolidation loan is no different from any other debt consolidation loan, with the exception that the interest rate charged will be higher, sometimes much higher, than someone who has average or good credit.

Personal bankruptcy is not the only alternative to getting out from under mountains of debt. Consider it a last resort. It will follow you for seven years on your credit report and forever as a federal court document. Court documents are open to the public.

Whether your goal for your home based business is to generate a little extra income through part-time work, or to create a full-time job that pays all your living expenses, the first decision you make is the most critical: What kind of business should I start?

Your goals when setting up an office in your home are: maximize efficiency and productivity, maximize comfort, minimize disruption and create a professional image.

One of the major costs of a wedding is the reception. And food takes a huge chunk of the reception budget. A very clever way to save on costs is to think small. Bite sized is best.