Author Archives: elc-admin

Treadmill Destroyer

I like to run.  Maybe a little too much for most treadmill.  In 2016, I averaged 6 miles a day (30 miles a week).  Some days I ran longer, some days shorter.  This year, things haven’t been so great.  Shortly after the year began I had a foot injury which prevented me from running.  Unfortunately, […]

What is an IBR and is the Trump administration going to get rid of the IBR or ICR student loan program?

What is an IBR? IBR stands for Income Based Repayment Plan. It is a student loan repayment plan for federally guaranteed student loans. It allows you to substantially reduce and possibly eliminate your monthly payments for your student loans. ICR stands for Income Contingent Repayment Plan. For our purposes, they are basically the same thing […]

Our Democracy is under attack and it is not from whom you think it is.

The Press The mainstream media elite (or “press”) is an information business built upon trust.  The bedrock of the mainstream’s media’s trust from our society stem from two principles closely intertwined with each other: the principle of objectivity (being unbiased) and the principle of credibility. Unbiased means that you are dispassionate and objective.  Credible means […]

How to save your car from the repo man and repossession

  Stopping the Repo Man If you’ve ever lost your job or fell behind on your bills, you know exactly what I’m talking about.  At first it’s a choice between the utility bill, groceries, and your car payment.  You choose to pay the car payment and the groceries hoping that you’ll get some overtime or […]

Improving your FICO Score and fixing your credit through bankruptcy

  FICO Score v Bankruptcy Ever heard that bankruptcy destroys your credit and kills your FICO score? Doesn’t bankruptcy destroy everyone’s credit? The short answer is no. I’m not claiming that bankruptcy always helps people’s credit. Of course that isn’t true–for example, if someone has a really high FICO score, like an 800, bankruptcy will […]

The Twin Towers of Bankruptcy That Empower you

  Twin Towers of Bankruptcy   If I were asked to explain bankruptcy in two words, my answer would be, “I need three words.”  What three words?  “Automatic Stay” and “Discharge”.  I like to think of them together as the Twin Towers of Bankruptcy.  These three words make up the two chief tools in Bankruptcy that […]

Foreclosure Tuesday in Texas

    What is Foreclosure?   Ever played monopoly until the end of the game? If you have, usually one of the players ends up mortgaging all their properties to pay for their stay in the exotic Hotels on Boardwalk or Park Place. In the game Monopoly, players can end up losing their improvements to […]


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