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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

Blog posts (131) | Videos (30)
 

Free Debt Reduction Tool

As much as I love Quicken, I like finding free online tools I can suggest to my personal finance counseling clients ... PowerPay. Basically it’s a no-frills debt management program that allows a person to enter their debts ... . A teaser rate with a long duration can hugely influence your best plan of attack on debt repayment [more...]

Date: 2008-10-22 15:57:51

Tony Writes In “I Have Too Much Debt On My Credit Cards”

Tony wrote to me through the GetOutOfDebt.org site asking for advice ... your credit score and credit report then you need to think about repaying your debt without going into a credit counseling program. The basic techniques you need to follow are to develop a budget [more...]

Date: 2008-10-07 20:37:46

The Personal Finance Secrets “They” Don’t Want You to Know About

I get asked to review all sorts of crazy personal finance books, plans, programs, and schemes all the time, ... and negotiate lower rates (or in some cases a balance reduction), adopt a very strong debt repayment ... you attempt to buy your bad debt from the creditor (and then obviously dismiss it), but the legal [more...]

Date: 2008-08-30 17:00:11

Where To Find The Best Debt Consolidation Programs

by John Queen When you’re learning about something new, it’s easy to feel overwhelmed by the sheer amount of relevant information available. This informative article on unsecured debt consolidation loans should help you focus on the central points. When debt consolidation loans go wrong, it is often because people have been too optimistic about the repayments they can make. Complete a monthly budget exercise first, assessing what you are spending on essentials such as rent, bills and food, etc. [more...]

Date: 2009-08-27 10:42:17

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

Are You Or Any Of Your Clients Considering Bankruptcy?

As I have been watching the news this week, I see that bankruptcy is at an all time high ... their creditors get a fresh start by liquidating their assets to pay their debts, or by creating a repayment ... to require that anyone filing bankruptcy complete an approved credit counseling program before [more...]

Date: 2008-10-01 11:46:06

Markets Vote Against Bailout Bill; Dodd Circulating Variant, Takes Equity for Dodgy Debt (Updated)

Aha, Congress isn't being so supine after all. Christopher Dodd, who in his initial press comments seemed to be behind the Paulson bailout plan, ... take senior debt instead, placing it in the front of the line of debt holders for repayment ... in which it buys bad assets. This creates a disincentive against using the program casually as a dumping [more...]

Date: 2008-09-22 19:09:40

“I Have Three Degrees But I’m Broke And Miserable”

Theresa wrote to me through the GetOutOfDebt.org site and asked for feedback and advice. You can see her question below. If you have a question about how to get out of debt, just visit GetOutOfDebt.org and ask, my help ... of Education offers a little known program called ICR (Income Contingent Repayment) that is worth investigating [more...]

Date: 2008-09-29 17:01:49

Use Snowball Method Spreadsheet To Pay Off Debts [Snowball Method]

Do you have so many credit cards that you could sew a pair of pants from them? Confused as how to get rid of them? ... style of repayment you want, such as snowball or highest interest first. The program then spits ... Try this handy Excel spreadsheet to generate a custom strategy for becoming debt-free. Just enter [more...]

Date: 2008-08-26 11:13:53

Looking for Materials About Iva – Find them Here

The main function of any debt management company consists in helping a person head and ears in debts or a business that is burdened by debts to get rid of all the debts. It does not intend a debt management company giving an other loan to pay back the debts. Instead of providing the loan and thus creating more debts, such a company negotiates with all the credit lenders aiming on consolidating the debts of a client into one affordable sum of money which can be repaid in monthly installments. [more...]

Date: 2009-09-26 15:18:41

Breaking the Bank News: Millions of Fraudulent Mortgages

by Moe Bedard on September 23, 2009 · 0 commentsin American Nightmare Like all of us, I was sorry to learn that Lies of Our Times could not be sustained. It’s a real loss, and another signal that we have our work cut out for us in times that are in many ways ominous, but that also offer a good deal of hope. – Noam ChomskyThe headlines say it all, Honorable Judges of Kansas: “MERS had no right to the underlying debt repayment secured by the mortgage”. [more...]

Date: 2009-09-23 22:30:25

Need A Bankruptcy Alternative?

by Ben Davies Things are certainly tough at the moment and more people than ever are now facing debts that are putting them in a difficult situation. Despite this, this is not a reason to give up. Everyone is still in control of their own destiny. One of the best ways to deal with this situation is to start a debt relief program. These programs are suitable for the majority of people and debts. A debt relief company will get together with their client and do a full analysis of the debts. [more...]

Date: 2009-09-24 13:36:23

Iva – The Tips One Should Know About

The main function of any debt management company consists in helping a person head and ears in debts or a business that is burdened by debts to get rid of all the debts. It does not intend a debt management company giving an other loan to pay back the debts. Instead of providing the loan and thus creating more debts, such a company negotiates with all the credit lenders aiming on consolidating the debts of a client into one affordable sum of money which can be repaid in monthly installments. [more...]

Date: 2009-09-28 09:19:03

5 Tips to Ensure Success in a Debt Management Program

In the United States, a debt management plan is usually offered by a credit counseling agency or a debt relief company to people who need financial advice and guidance to pay off their debts. Under this plan, the professionals assist the debtors to obtain lower interest rates on their debts through proper negotiation processes with the creditors. Can this plan be 100% successful? Not really. Here are some important tips you must take note in order to ensure the success of this particular plan. [more...]

Date: 2009-09-25 07:16:41

Find Out More Information About IVA inside this Blog Post

The main advantage of the debt management companies is that they have the experienced in negotiations agents who are well aware of the ways that allow to make good deals with the credit lenders in order to arrange the debts of a client for less than the entire sums. This service comes usually instead of paying the money back in an entire amount. The reduction of the whole amount of debts in such a way is very good idea and it can really help you to avoid much stress. [more...]

Date: 2009-09-25 02:39:32

The Best Ways To Consolidate Debt

Amazon.de Widgets There are a few ways to consolidate debt but as to which one is suited for any one individual depends on their personal financial situation. ‘What is the best way to consolidate my debt?’, is a question that gets asked all too often in the offices of financial institutions, and the answer will vary to reflect each individual case and financial situation.In order to find the right cure it is imperative to have all the details of the illness; so the first step you need to take is [more...]

Date: 2009-09-27 20:40:39

Debt Free Direct- Debt Management At Its Best

by Mike King One looks for a variety of options in order to come out of a debt situation and improve their credit status that might have been damaged due to their rising debts. There are many options available to a person, when it comes to paying off the debts. Online help also comes handy to those trapped in a debt situation. A company, which provides great help to the borrowers or the ones in debt, is Debt Free Direct. It is a large company that gives debt advice free of cost to a lot of people. [more...]

Date: 2009-09-22 21:55:56

How To Obtain A Mortgage Loan Modification To Prevent Foreclosure

In today's economic environment, mortgage foreclosure hurts everyone. The homeowner's credit score is destroyed and, most importantly, they are forced out of their homes causing them to lose everything they put into the property. The homeowners' neighborhood loses as property values decline, crime rates go up, and the tax base evaporates. And the lenders lose because the cost of foreclosure is extremely high and they must report foreclosures as non-performing assets. [more...]

Date: 2009-09-28 15:17:38

Understanding Consumer Debt Consolidation

Amazon.de Widgets Living today has never been more difficult and the fine line between keeping ones head above water and drowning has never been finer so it is hardly surprising that more and more people are looking to consumer debt consolidation programs for assistance.Consumer debt consolidation programs have increased greatly in number over the past three years as the requirement for professional counseling and guidance has become more apparent now than ever before. [more...]

Date: 2009-09-28 11:48:54

Finished College Laid-Off and Earning More Money Online

by Lewis Johnson If you want to know the best way to earn money after high school, attend college. That may seem contradictory, since college will actually cost some money, however you will earn more money in your lifetime if you have a college degree. Many times young people look at the options of attending college or finding a job when they graduate from high school. Some think that they will work for a few years and then return to get the education that they need. For many this is a big mistake. [more...]

Date: 2009-09-28 07:42:11

Words from the (investment) wise 9.27.09

Words from the (investment) wise for the week that was (September 21 – 27, 2009) After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 12:05:27

Home Mortgage Rates – an Important Guiding Factor While Considering Home Mortgages Are Home Mortgage Rates

Buying a home on mortgage is a crucial financial decision for the majority of the population even today. The amount involved is by no means a paltry sum and neither the transaction, one that is short lived. Sure enough, the process of acquiring your dream house on a mortgage loan may be one that spans across a few days, but it has an impact on the entire tenure of the advance. Most home mortgage loans have duration between ten years and forty years. [more...]

Date: 2009-09-24 16:13:34

Advantages of Debt Free Direct

by Mike King If you are trapped in several debts then you are probably searching for methods to repay them in order to have a decent credit record. You will find many ways to clear all your debts. Many banks and other financial institutions will readily offer you help in this regard. There are many agencies available on the Internet that can be of help as well. Debt Free Direct is a specialized agency that will aid you in clearing off all your pending debts. [more...]

Date: 2009-09-25 10:54:15

Words from the (Investment) Wise (Sept. 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 14:33:29

Debt Consolidation and Reduction – Information You Need to Know

Amazon.de Widgets Why did you end up in debt?Never spend more than you earn. I’ve learned this lesson the hard way, and now I live and die by this way of life. Prepare a budget and keep it handy. Always have a good idea of the money you’re making, and where exactly that money is going when it leaves your hand. The reason you’re in debt right now is because you’ve spent just a bit more than you should have, and now you’re being punished for it. [more...]

Date: 2009-09-23 18:21:10

Five Easy Tips to Using a Budget to Pay Off Debt Fast

by Sean Payne If you’re in debt up to your ears, you may not understand the reason why. It’s common for people who are in debt to not fully comprehend exactly what got them into the situation that they are in. But, as someone who has been in debt and known many other people who have been in debt, I can almost guarantee you that I know the reason why you’re in debt. You’re in debt because you don’t budget. You either don’t have one, or you don’t use it. It’s as simple as that. [more...]

Date: 2009-09-26 18:56:35

Save Thousands by Prepaying your Mortgage

If you’re determined to cancel your home loan as soon as possible this is not a bad idea, you can put extra money towards the loan but there are some things you need to be aware of. Depending on the amount of money you destine every month towards your home loan you could reduce the length of it from months to years and of course you would be paying less interest on the principal as you would be reducing it systematically. [more...]

Date: 2009-09-28 12:35:42

What DO Smart Homeowners Have In Common? Mortgage Acceleration Learn More

by Jerry Smith Most of your payments go towards paying off mortgage interest rather than paying off principal. f you decide to refinance or move to another home your 30 year mortgage automatically now becomes a 40 year mortgage. For most of us it could take up to four decades to pay off the mortgage. And what if your are extremely close to retiring. Your mortgage could outlast your retirement years and then your kids are left with the financial burden of paying off your home. [more...]

Date: 2009-09-28 12:30:10

Debt Free Direct- Debt Management At Its Best

Debt Free Direct- Debt Management At Its Best by Mike KingOne looks for a variety of options in order to come out of a debt situation and improve their credit status that might have been damaged due to their rising debts. There are many options available to a person, when it comes to paying off the debts. Online help also comes handy to those trapped in a debt situation. A company, which provides great help to the borrowers or the ones in debt, is Debt Free Direct. [more...]

Date: 2009-09-23 15:49:44

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Five Easy Ways to Use a Budget to Pay Off Debt in a Hurry

Five Easy Ways to Use a Budget to Pay Off Debt in a Hurry by Sean PayneIf you’re in debt, you may not comprehend exactly why. It’s pretty common for people who owe lots of money to not understand exactly what caused them to be in that situation. But, as somebody who has been in debt (and finally gotten out of debt), I can give you a good guess as to the reason why you’re in debt.You’re in debt because you don’t budget. You either don’t have one, or you don’t use it. [more...]

Date: 2009-09-28 18:20:36

The Right Time to Use a Debt Consolidation Loan

Copyright (c) 2009 Liz Roberts The most preferred way to solve debt problem now is through consolidating debts with loan. It is the easiest way. By loaning a sufficient amount, all debt can be paid at once. And debt will stop from piling up. The borrowers will be set from pressure and embarrassment. However, the process of debt consolidation isn’t as simple as it may seem. True, debts can be settled at the soonest time and the borrower can regain peace of mind. [more...]

Date: 2009-09-25 07:16:54

Personal Loan vs. Credit Card Debt – Weigh Your Options

Have you ever thought about paying some of your bills with a credit card? Not only do many people pay bills with charge cards, but a lot of companies encourage this type of bill payment. After all, having your credit card information on-file is a great way for a company to ensure that they are always paid on time. The problem with giving your charge card information to a company is that you may not be able to pay back that monthly bill. [more...]

Date: 2009-09-25 07:16:35

Fifteen days of blogging for health care reform: Burden of debt

Guest post by Skylanda. Not long ago, I was cruising along the highway at about 75 miles an hour ( ... a mortgage out of the messiest era in history to lock down a line of credit, and I was buying me a house ... . I am now thirty-three years old and the proud owner of two-thirds of a million dollars of accumulated debt. Far [more...]

Date: 2008-08-24 14:00:00

Collapse and Ruination from Gluttonous Growth

by The Mogambo Guru I was sitting outside, looking up at the stars, and wondering how many planets circle those billions of twinkling lights, ... for repayment until that day when the collection agency finally decides to just write the whole damned ... it to buy the new government debt so that the government could spend the money to satisfy [more...]

Date: 2008-12-18 19:21:05

Student Loan Debt and Cohort Default Rates at For-Profit Institutions

Last week, the U.S. Department of Education released updated institutional cohort default rates , a measure that tracks how many of a school’s borrowers default on their loans within two years of graduation. For the second consecutive year, the average rate for all institutions increased, going from 5.2 percent to 6.7 percent. In aggregate, 225,444 borrowers defaulted during this two-year measurement window, an increase of 22,478 from the previous year. [more...]

Date: 2009-09-25 18:35:33

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Closing Out Ten Odd Lots

1) Do you need new investment ideas?  John Dorfman’s column at Bloomberg is back.  There are some good ideas in the second column ... on have adequate demand.  But that is a bicycle stability answer.  What if I am in debt, and most of my economic contacts are in debt, and many of our assets rely on the repayment of debt that is coming [more...]

Date: 2009-01-09 03:03:38

Passin’ the Buck

My morning ritual combines breakfast and channel surfing, to get a flavor of what we used to call the “mass media” considers newsworthy ... administrators of the federal student loan program. ASA has put forth a proposal for federal student loan reform ... is on the up and up, interest rates are high, repayment options are limited, and students face the [more...]

Date: 2009-01-13 14:15:10

Banks Say Plan to Guarantee Their Debt is Flawed, Ask For a Better Deal

In the wake of the Treasury Department foisting equity infusions onto nine banks, not all of which wanted or needed them, ... . of guarantees of bank debt, gets a thumbs down from the intended beneficiaries. But sadly, it isn't the general ... and get more. One wonders if the government bond guarantee program was designed with intent [more...]

Date: 2008-11-13 21:25:38

As The Politicians Battle It Out Ukraine's Economy Tunnels South In Search Of Australia

By Edward Hugh: Barcelona“In Ukraine, the evidence is still that policymakers do not quite understand the seriousness of the challenges they face,”. Timothy Ash, analyst at the Royal Bank of Scotland. “There is a burgeoning economic crisis in the European periphery,” Krugman said on the ABC network Dec. 14. “The money has dried up [more...]

Date: 2008-12-25 16:01:00

Everything You Need To Know About Student Loans

This entry is part 1 of 1 in the series Student Loans Ten years ago I received a piece of Bazooka Bubble Gum in the mail with a note from my student loan lender requesting payment saying “don’t blow it!” At the time I was extremely annoyed ... others through the student loan maze. Things To Consider When Taking Out A Student Loan Financial [more...]

Date: 2008-11-17 21:14:37

Top Ten Things to Know if You’re Interested in a Reverse Mortgage

Reverse Mortgages are becoming popular in America. The U.S. Department of Housing and Urban Development (HUD) created one of the first ... that lets a homeowner convert a portion of the equity in his or her home into cash. The equity built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan [more...]

Date: 2009-01-15 19:53:15

Battle of the Titans

For those of you that prepare yourselves, the OPPORTUNITIES will be abundant and limitless; for those that don't it could be a very difficult period ... as they BELIEVE they have the ability to print money and create credit out of thin air endlessly. In reality ... to print wealth through monetary and asset inflation for decades. The first law the G7 is [more...]

Date: 2009-01-15 00:00:37

My Net Worth Is Down Only 10% Since Its August 2008 Peak

So, how did I manage this remarkable accomplishment?  Let me tell you…. I have been tracking my family’s net worth for about eight months now ... to erase the debt. Investing In Education.  My net worth would have actually been the same over ... value, your net worth will increase by the amount of debt you pay off.  Finance is dictated [more...]

Date: 2009-01-10 18:13:54

20 Questions for the Secretary-Designate

In preparation for Secretary of Education-Designate Arne Duncan's confirmation hearing in the Senate tomorrow, ... to improve student achievement and narrow achievement gaps? How should the federal government be involved ... use of static test scores or do you favor a model that compares individual student growth from year [more...]

Date: 2009-01-12 18:37:34

GeoResources Files To Raise Cash (GEOI)

GeoResources, Inc. (NASDAQ: GEOI) has filed to sell up to $100 million in a mixed securities shelf registration. The company lists and combination of Common Stock, Preferred Stock, Depositary Shares, Debt ... through an active and diversified program which includes purchases of reserves, re-engineering [more...]

Date: 2008-11-25 22:48:49

Bailout Fatigue Sets In

attorneygeneral.utah.gov Just as troubled borrowers are poised to become the next likely recipients of government help, bailout fatigue seems to have set in. Since the government began inching toward offering homeowners more help — calling for a holiday foreclosure suspension and launching a plan to streamline [more...]

Date: 2008-12-09 18:38:11

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