More American workers sue employers for overtime pay

Americans were pushed to their limit in the recession and its aftermath as they worked longer hours, often for the same or less pay, after businesses laid off almost 9 million employees.

Now, many are striking back in court. Since the height of the recession in 2008, more workers across the nation have been suing employers under federal and state wage-and-hour laws. The number of lawsuits filed last year was up 32% vs. 2008, an increase that some experts partly attribute to a post-downturn austerity that pervaded the American workplace and artificially inflated U.S. productivity.

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Avoid These Bad Credit Card Habits and Be Debt Free

Many people who own credit cards get stuck in serious debt problems primarily because they failed to manage debt and credit effectively.  While using a credit card is not bad, consumers need to pay close attention to their credit card use to avoid debt-related problems.  In this article, we present 5 bad credit card habits that cardholders need to steer clear from to be debt free:

• Using a credit card on a whim.
• Carrying a balance frequently.
• Not checking your credit card statement.
• Delaying payment.
• Applying for more credit cards than you can handle. 

Read more Avoid These Bad Credit Card Habits and Be Debt Free

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Reminders in Borrowing a Secured Loan

As the term suggests, a secured loan is a form of financing that is guaranteed by the submission of collateral.  The collateral can be a home or other valuable asset that matches the value of the loan.  By pledging collateral, the lender is given assurance that in case the borrower defaults payments, an available resource can be used to pay the remaining debts.

Are you planning to apply for a secured loan or bad credit loan any time soon?  If yes, listed below are important reminders you should not forget:

• Know the risks. 
• Negotiate for a better term.
• Read the fine print. 
• Never be late.

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• Bad Credit Secured Credit Cards
• Bad Credit Payday Loans

Can You Buy A House with Bad Credit?

Can you buy a house if you have bad credit?  The truth is, getting approved for a mortgage loan can be very difficult if you have bad credit.  Most lending companies have strict credit requirements and if your credit score is below average, your loan application can be immediately rejected.

Nonetheless, it is not impossible to get financed if you can find a subprime mortgage lender.  Yes, there are lenders in the market today who cater to the bad credit market.  Some of these lending companies offer special loan programs for customers with bad credit history.  Is there a catch?

Read more Can You Buy A House with Bad Credit?

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• Credit Cards for Bad Credit
• Instant Approval Credit Cards