20 Ways to Bring Love and Good Fortune in the New Year

Human beings, by nature, are superstitious. Perhaps because we live--and will always live--in an uncertain world ... is guaranteed. Pay your bills before January 1st as the new year should not begin with debt. Conversely, don’t loan any money or pay loans as you’ll be paying out the rest of the year. The same goes [more...]

Date: 2008-12-31 15:17:43

Blog posts (239) | Videos (129)
 

Consider Your Loan Options Before Taking On More Debt

This interesting article addresses some of the key issues regarding personal grants to pay off debts. A careful reading of this material could make a big difference in how you think about debt consolidation. This can be well assisted with a debt consolidation loan, an effective tool that consolidates all previous loans into a newer loan with a convenient repayment schedule. To find a cheap loan or the best loan for you ensure that you shop around. [more...]

Date: 2009-09-05 07:19:03

Free credit report for a brighter tomorrow

The family encounters those financial problems arising. They make budgets for the family use and those debts to pay ... all at the same time? Like bills, mortgages, other loans, and credit card that way it’s beyond ... . With the use of debt consolidation, you can pay your multiple debts in one debt. Meaning, combining [more...]

Date: 2008-10-05 06:49:10

Get Rid Of Debt With The Help Of Debt Counselor

by Michael Benifez If you’ve decided that you are tired of constant calls from debt collectors, it’s time to do something about your old debts ... to consolidate your debts. Compared to these choices, debt counseling is an excellent alternative ... to get you out of debt. For some people, debt consolidation loans can work for paying off their creditors [more...]

Date: 2008-12-23 19:59:00

Get Rid Of Debt With The Help Of Debt Counselor

by Michael Benifez If you’ve decided that you are tired of constant calls from debt collectors, it’s time to do something about your old debts ... to consolidate your debts. Compared to these choices, debt counseling is an excellent alternative ... to get you out of debt. For some people, debt consolidation loans can work for paying off their creditors [more...]

Date: 2008-12-25 08:38:54

At Last - Looking at the Customer from Their Point of View

Stessa Cohen and Kristin Moyer here.  Wells Fargo announced that it is launching an online loan-consolidation repayment program in combination with ... “How to really pay off credit card debt” “How to get a small business loan in a credit crunch” ... a savings tool:  the Wells Fargo Debt Pay Down Solution.  This solution will let customers [more...]

Date: 2008-12-15 14:46:25

How to Get Out of Debt Without Ruining Your Credit Further

by Michael Benifez If you’ve decided that you are tired of constant calls from debt collectors, it’s time to do something about your old debts ... to consolidate your debts. Compared to these choices, debt counseling is an excellent alternative ... to get you out of debt. For some people, debt consolidation loans can work for paying off their creditors [more...]

Date: 2008-12-25 08:31:19

I know how to spend stimulus

[ The sign for a Citibank bank branch and a street sign are seen in Cambridge, Massachusetts November 24, 2008. The U.S ... to the taxpayers. It's great that some people were able to save or pay down debt. As far as blowing it on gas ... . This time the amount should be higher to allow us to pay off our debts, mortgages and loans. This would [more...]

Date: 2008-12-01 16:48:13

Reflecting On Goals For 2008 and Moving On To 2009

Last year, all the goals I set were based on debt elimination and how much per month we could pay to debt ... s student loan under $5500 (snowball calculator says $5847) I more than met both these goals ... in October, and then paid off our remaining car loan in November.  The only non-mortgage debt we have left [more...]

Date: 2009-01-02 14:25:07

No Credit Cards.

Unlike me who has more than one credit card at the moment, my dad doesn’t own any even just one ... consolidation where they pool altogether one’s outstanding credit card dues and offer them at lower ... . He says, that he doesn’t want to incur any debt or debt loans in any form. He’d rather pay [more...]

Date: 2008-12-10 10:06:35

debt consolidation

As we find ourselves living in the credit crunch of a world, ... purposes - we see people using them to pay off high interest credit card debt and student loans ... t also note that unsecured loans are also available. We have seen that debt consolidation loans [more...]

Date: 2008-12-15 15:17:50

Don’t Worry, Be Happy: Surviving the Financial Crisis?

Are you surviving the financial crisis? While the mainstream media seem more interested in spinning stories of foreclosures, ... a credit card balance, or like my wife and I, added a photovoltaic system to power our all-electric CitiCar ... Americans are exiting the debt-based economy, paying off credit cards, canceling car loans, paying [more...]

Date: 2008-11-20 04:12:42

More Article about Debt Consolidation

Credit cards and medical bills are all unsecured with no leverage on your home till such time as you make the mistake of a debt consolidation loan ... that you pay the credit counselor each month. Credit counseling services help individuals regain control over their finances by helping them reduce their debt in various ways. These services often serve [more...]

Date: 2009-01-03 09:06:04

Accepting a down payment

Well I’ve discussed borrowing money from family in times of need, boomeranging home, and finances for a young couple starting out ... they were fortunate to get a $50k gift from a relative to pay off their student loans.  So should ... off debt, take it.  BUT not at the expense of your parents. My roomie will get a paid for wedding [more...]

Date: 2008-11-13 13:00:16

Do You Know How to Renegotiate Your Loan?

September 13, 2009 | By Wendy Polisi In Finance | The economic recession has too many people wondering how they can possibly pay their loans and debts the way they agreed. Too many people have lost jobs or are dealing with a pay decrease, or may even have new expenses they have to meet. These are very stressful situations for everyone. [more...]

Date: 2009-09-14 02:00:49

Debt Consolidation

Times are not easy. The salary doesn’t grow, but every day the bills to pay come in my mail box ... me in debt counselling and debt loans, in order to find a way of solving all this debts with a credit ... solution to may problem. I like de idea of reducing unsecure debt by up 50% and save $1000sAnd [more...]

Date: 2008-12-24 02:30:00

3 Ways To Consolidate Debt and Avoid Bankruptcy

If you’ve racked up a little more debt than you can handle, you’re not alone ... , that promise to erase or consolidate your debt for an outrageous fee. Although you will have to pay for debt ... want to consider consolidating your debt into a home equity loan. The interest rate is usually [more...]

Date: 2009-01-10 15:42:12

Shrink Your Debt

From Entrepreneur.com : In general, the best choices for debt negotiation and settlement are unsecured loans and credit cards. Since there is no collateral that can be attached to satisfy the debt, creditors are more likely to negotiate to avoid writing off the entire debt. The two most common approaches for debt negotiation are to pay a lump sum that is less than the total amount owed, or to restructure the payment schedule with lower monthly payments. [more...]

Date: 2009-09-14 14:00:00

What is a Cosigner?

A person who is allowed to legally sign loan papers or documentation with another person who is having difficulty for obtaining a loan, or sometimes getting a lease for an apartment or rental unit is referred to as a cosigner . Being a cosigner, the person makes a legal agreement that he or she would be jointly responsible for repayment of the loan if the first signer fail to pay debts in a timely fashion. [more...]

Date: 2009-09-27 17:00:15

Choice

Most of the people have some kind of debt nowadays ... a debt consolidation loan. It is usually a great option if you are paying several minimum payments per month on high interest credit cards or loans. If you are behind on any payments, debt consolidation [more...]

Date: 2009-01-14 23:04:08

What Happens When You Default on Your Student Loans?

As the economy tanks and employment skyrockets, the number of former students struggling to pay off their student loans is likely to grow, too.  While failure to repay any debt can have serious consequences, not making payments ... student loans are one of the only forms of debt that cannot be discharged in a claim of bankruptcy [more...]

Date: 2008-12-15 17:38:59

Repaying Your Student Loans

This entry is part 2 of 2 in the series Student LoansStrategies For Paying Back Student Loans “60 percent of 2007 college graduates had student debt, each taking on an average of $22,700 in loans.” —College Board Report “Default rates ... who leave college with a lot of debt.” — EducationSector Student loans are often easy [more...]

Date: 2008-11-18 17:43:48

After Debt?

I noticed a lot of people are very focused on getting out of debt ... I had a concentrated goal.  Pay off student loan!!!  How is life “after debt?” [more...]

Date: 2008-09-11 13:30:45

(untitled)

Amazon.de Widgets If you want to take a loan to repay others, debt consolidation is the best bet. For paying down credit cards the most easiest way is to try a credit counseling program. One of the most assured measures to lower all your debts swiftly is here. Stop being at stake with striking debts, put them together into one debt consolidation program to have one low monthly payment. This can even help you control your monthly payment structure and keep you within a budget. [more...]

Date: 2009-09-15 23:43:02

Danger: Beware Of Payday Loans For Debt Consolidation

By Ozeme J Bonnette For the past two years, the economy has really taken us for a ride. The economic crisis is hurting families at all economic levels. Now it is more critical than ever to be careful with your finances. Eliminating debt requires both consistency and determination. It can be tempting to seek ways to speed up the process. Some people consider taking out a loan to pay off credit cards. Here is one money mistake that you should really avoid. For two years, the economy ha [more...]

Date: 2009-09-28 19:02:40

Select the Best Refinance Lender to Save Money

Replacing, refunding or repaying any new equity or debt or a combination of both is referred to as refinancing ... things that you must know while you approach best refinance lenders are: 1. Objective for mortgage refinance - Consolidation of bills or debts, to pay off your mortgage loan faster, lowering the hoemploy [more...]

Date: 2009-01-02 06:03:30

Upgrading Your Financial Standing Through Refinancing After Bankruptcy

div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... the one in debt will find somebody or a company who will pay off the existing loan./ppWhen buying a house ... . You will be free of paying several monthly loan obligations with the idea of debt consolidation./pdiv [more...]

Date: 2009-01-07 17:30:47

Fast Cash

Many people nowadays, especially because its the holidays, find themselves strapped for cash. My friend John had to take payday loans in order to pay off his debts. What he did ... track of his payable and its charging lesser interest rates than the bank. Anyway, loans or fast cash [more...]

Date: 2008-12-07 08:07:39

8 Tips for Talking About Money With Your Significant Other

About the author: Margaret is a recent college grad who writes at love God, not money about how she and her boyfriend are saving up money to get married, pay off student loan debt and head to seminary. Money is one of those things you’re not supposed to mention in polite [more...]

Date: 2008-11-25 18:00:44

How to survive a layoff

Financial crisis has forced many companies to save the money, by letting some of the employees go, in order to survive ... do with the money you get from your ex-employer is to make a payment for any debt you have, home loan, creditcard payment or personal loans. If you are failing to pay up it may come to hound you later, via [more...]

Date: 2008-10-21 12:29:06

Alt-A and ARM resets could trigger another crisis!!!

We are winding down out of subprime and going into Alt-A and ARM resets. We have government funding for homes in two ways. One, incentives with lower rates and tax credits, but, there is more. The GSE’s are allowing loans that are 105% and where the monthly debt to income is over 60%. These loans have high default rates and we will pay the price as unemployment stays high. quote Let’s look at a few facts: The Fed is literally the entire mortgage market. Yes, really. [more...]

Date: 2009-09-29 18:15:58

Affiliate Program Review: T3Leads.com

It seems that new affiliate programs are popping up all the time, ... are in niches including: Debt Settlement Credit Cards Pay Day Loans Insurance Tax Debts Mortgage [more...]

Date: 2008-12-15 05:04:37

Why you need Debt People?

by Mike King When suffering from a huge due debt amounts, people often tend to rely on specialized experts for debt management services ... you various choices. Credit checks is another vital program provided under debt management services ... accounts to pay off such as loans, both mortgaged or without mortgage, and credit card bills etc [more...]

Date: 2008-07-21 07:26:53

Saving yourself form debt

When it comes to taking care of your finances, nothing more than ever ruins your financial position than having a large amount of debt which is ... on paying your bills from credit cards, loans and mortgages without realizing that you are barely ... you a black eye with the credit bureau and any applications for new loans or credit cards would probably [more...]

Date: 2008-12-28 01:21:40

Tough Negotiations With Credit Card Companies

One of our readers, Karen, recently left this comment: I opted to pull out my 401k early to pay off debt ... all that I owe in credit card debt and loans, I will be broke. I had to quit my job to pull out my 401k, so the credit card debt has gone up due to late fees and over limit fees. I want to negotiate [more...]

Date: 2009-01-02 21:20:35

Tough Negotiations With Credit Card Companies

One of our readers, Karen, recently left this comment: I opted to pull out my 401k early to pay off debt ... all that I owe in credit card debt and loans, I will be broke. I had to quit my job to pull out my 401k, so the credit card debt has gone up due to late fees and over limit fees. I want to negotiate [more...]

Date: 2009-01-02 14:39:44

Debt Consolidation Can Help

I know it must be very hard these days for a lot of families that are facing foreclosure or worse because of the downturn in the economy ... get you the money you need to pay off those ugly credit cards but they also believe in debt prevention ... consolidation loan. Put simply, this takes all the debt you have, rolls it all into one lump sum and uses [more...]

Date: 2008-10-30 04:01:05

Debt Consolidation Mortgage Refinance - Pros And Cons

Amazon.de Widgets Many people are in need of a strategy for paying back their loans. Some people just need a point in the right direction in order to get on the right track. Sure, if we had piles of money lying around our living rooms, paying off our debts wouldn’t be an issue. Since that is not the case, unfortunately, we must weigh all of our available options in order to find the one that best caters to your financial needs. [more...]

Date: 2009-09-23 18:25:44

Hard Times for Student Borrowers

Kelly Lynch, a former Columbia College Chicago film and video major, is paying educational loan lender Sallie Mae $600 a month, ... loan lender suspended its student loan consolidation program in April. The policy shift left many ... about 1 percent of his total student loan debt of $60,000. Though Lynch, 21, never received [more...]

Date: 2008-06-30 16:02:42

Want to Consolidate a Student Loan?

Just finished school and now it’s time to start paying on those Student loans fall into two categories. 1 ... consolidation services. A federally funded student loan also cannot be consolidated with credit card debt. If you are considering consolidation of your student loans, gathering the appropriate [more...]

Date: 2009-01-08 02:29:44

A Quick Look At Mortgage Refinance

by Ned Dagostino Mortgage refinance is an option most house owners look at from time to time. The big question they ask themselves is: Should I? ... to manage. You can refinance the mortgage and get a loan large enough to pay off all the small debts ... Well, that depends on the particulars of the case. Generally people go in for mortgage refinance [more...]

Date: 2009-01-16 04:05:52

Dear House, I Want You. Love, Craig

Remember that house I told you about a while back when I regaled you with the story of my bottle of Tanqueray? Well to sum up, I couldn’t afford it. The mortgage guy told me that I had too much debt (student and car loans). He advised me to take almost my entire savings and pay off my car loan, which I did, and it was one of the hardest things [more...]

Date: 2009-01-15 17:02:52

Find debt consolidation nationwide!

How does payday loans actually work? Although having a loan is not a very welcome idea, the fact is that during emergency situations, ... when we urgently need to pay for our credit card bills, we did apply for a loan, lol! Good news ... have other services like debt consolidation refinance which provide debt settlement programs that reduce [more...]

Date: 2009-01-13 03:16:06

Mortgage Rates - Mortgage Home Calculator

It’s really a jungle of information out there. For beginners or first-time home buyers, home mortgage loan should work just any other loans, ... on your debt-to-income ratio. If you make barely enough to cover for your debts, you’ll have to pay a higher home mortgage rate. Compare this to someone who takes home a monthly income that far surpasses [more...]

Date: 2008-10-29 19:52:45

Debt Consolidation

Having a credit card is good since mostly people use here in the States or other countries to purchase any items or pay off a bill in the restaurant, ... their site and apply unsecured debt consolidation loans now. ... from the credit card company, you should pay it right away or else there will be an interest [more...]

Date: 2008-10-14 04:04:56

Devise your own Credit Repair Plan

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... , and credit card statements, mortgage and insurance records. Locate debt worksheets on the internet ... debt. Decide which credit cards, and loans that you will pay down in order. For the first [more...]

Date: 2009-01-14 23:03:41

Helping Polly

I just thought of my answer to Fix Polly, a case study from Gail:Polly is 25 and single. She has almost $80,000 in debt, $60,000 of which is student loans. The rest is credit card debt ... . Polly can’t decide what to pay off next. She has contacted her credit card companies and cannot [more...]

Date: 2008-12-28 15:02:42

Goal # 1 Complete

I love setting easy goals. I can already scratch No. 1 off of my 2009 Financial Goals list – Pay off my student loan. I set my budget several months ahead, so January’s budget was devoted to paying off this debt. On Friday I scheduled one final payment for the balance of the loan, almost 10 years after I graduated [more...]

Date: 2009-01-11 15:55:00

Pocket Profile: Frugal Babe

This week we spoke with Frugal Babe, who started a blog to chronicle her family’s path out of debt after starting a health insurance agency with her ... more in rent. Student Loan Debt: None! Top percentile. Credit Card Debt: None! Top percentile ... calculators to figure out how long it will take us to pay it off. The Bigger Picture: Tell [more...]

Date: 2009-01-08 16:49:31

Online Student Loan Consolidation Methods

By Adam Boulton It is commonplace for students to avail of students loan, considering the increasing expenditure incurred on education ... into one to at least reduce the tension and burden. consolidation debt loan unsecured When so many ... . Generally, students utilize more than one loan programs and eventually end up with paying many [more...]

Date: 2009-01-14 15:30:12

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