Debt consolidation companies There are various companies doing debt consolidation with each using a variety of methods. That is why it is important that consumers understand the differences in every plan. Debt management, debt settlement, debt relief and debt negotiation are all different types of plans for consolidating debt. Each one has certain features that … Continue reading “What you need to know about payday loan consolidation programs”
Building a Good Credit History
The fact is if you ever need to borrow money, get finance on an auto loan, sing up for a credit card or even buy a house, then having a decent credit history is invaluable. Even if it isn’t great at this moment in time there are steps you can take to build a better … Continue reading “Building a Good Credit History”
Payday loan default consequences
With life getting more and more expensive, many people find it really difficult to meet their monthly bills. Even for those with stable sources of income, managing their finances can be really tough. There is always the possibility of an unexpected event which you are financially unprepared for. Whether they need to deal with an … Continue reading “Payday loan default consequences”
Can you have two payday loans at the same time?
Life seems to be more and more complicated. Nowadays, even hardworking people struggle to meet their monthly bills even when they have budgeted in the best possible way. Having to deal with emergency expense seems like an impossible mission for most people. In such situations, most people seek financial assistance and if friends and family … Continue reading “Can you have two payday loans at the same time?”
7 keys to saving money
Have you ever felt like all your money is slipping through your fingers each month? There are many people who struggle with saving their money. You may want to go on a holiday, for your wedding, buy an apartment or even to start your own business. However, you just don’t know how to get there. … Continue reading “7 keys to saving money”
How Can I Get a Secured Personal Loan?
Ahh………..It’s the age-old question………how can I go about crossing the financial minefield to get a secured personal loan. According to your bank and all the online advertising, it sounds really easy. But wait! What if the mines go off before I get there? Worse still, what If you sign up only to find another battlefield … Continue reading “How Can I Get a Secured Personal Loan?”
Debit card payday loans-What Are They?
Nowadays, it seems like an impossible mission to sustain a stable financial state for a long period of time. Many hard-working people struggle to meet their monthly bills and, of course, emergency expenses may occur anytime. One possible way of getting financial assistance is taking out a loan. The loan lending industry has grown tremendously … Continue reading “Debit card payday loans-What Are They?”
Payday loan legal options
Payday loans from the legal perspective For a lot of people, a payday loan is an easy escape from complicated financial situations. In case you are in urgent need of money, you just apply for a loan to cover the bills. However, it is not always that simple. Payday loans have certain legal implications. To … Continue reading “Payday loan legal options”
What are the benefits of consolidating my loans?
Main benefits of loans consolidation The main benefit of loans consolidation is that you just have a single monthly payment to deal with. The consolidation replaces multiple payments on different loans with a single payment on the consolidation loan. For example, a studentmay graduate with as many as a dozen loans. Consolidation will combine them … Continue reading “What are the benefits of consolidating my loans?”
How to choose a good debt consolidation company
Having various sources of debt If you are in debt and have multiple loans, there are some important factors you should bear in mind when deciding how to deal with them. One option is debt consolidation loan. The source of your debt may be a payday loan and you need payday loan consolidation, residential mortgage, … Continue reading “How to choose a good debt consolidation company”
Things you should look out for in debt consolidation loans
General warnings about debt consolidation loans Debt consolidation loan can be an efficient solution to sort out problems with existing debt. This solution allows you to repay all your current debts and replace them with one simple consolidation loan. Thus, you’ll have a lower monthly repayment and will repay less on your debt over time. Like any lending … Continue reading “Things you should look out for in debt consolidation loans”
What banks should know about payday loan lenders
Lately, the number of payday loan lenders in the United States and their critics are growing in number. Many associate the payday lending industry with over-priced and un-regulated loans. However, that is not exactly the case. Very often, it is banking financial institutions (BFI) that have the greatest misconception of payday lenders, believing that they … Continue reading “What banks should know about payday loan lenders”
Payday loans warnings
What are payday loans? Payday loans are small loans that are used in cases of temporary financial emergencies. Usually, these are short-term loans of a modest amount of money. To get a payday loan, the borrower typically writes a check for the loan amount plus a fee. The check might be left with the lender … Continue reading “Payday loans warnings”
5 secrets about installment loans
Installment loans are thought to be a lot safer than payday loans. Is this really true or are they just as risky for the borrowers? Payday loans are probably the most popular type of short-term loans out there. Even though there are many different opinions about them, there is always one certain thing – high … Continue reading “5 secrets about installment loans”
Payday Loan Debt Consolidation
Have you ever taken out a payday loan to help you in a financial bind? Maybe you needed a bit of extra cash for an emergency medical bill, or perhaps to fix an unexpected part on your vehicle. We have all been a part of stressful financial situations and payday loans can really help. The … Continue reading “Payday Loan Debt Consolidation”
Credit Cards in Focus
Make no mistake the credit card industry is big business in our modern world and many people rely on them greatly. We all need credit from time to time and for some people carrying physical cash about on their person apart from small change is a rarity. There seems to be a credit card for … Continue reading “Credit Cards in Focus”
Cash for Gold – The Good And The Bad
This is a concept we’ve all seen take off in a really big way over these past few years and it shows no sign of slowing down. Add this to the bad state of the economy and the fact some people are really struggling on a day to day basis and its natural individuals will … Continue reading “Cash for Gold – The Good And The Bad”
How Can I Save in Retirement?
It would be understandable for many people to ask why they should save in retirement? After all, once they’ve saved for these years surely they should be enjoying the benefits. Isn’t that what it’s all about? Well it’s a fair point, but of course each situation is different. We also need to ensure those savings … Continue reading “How Can I Save in Retirement?”
Home Equity Loans for Debt Consolidation – Is This a Good Move?
Unless you’re particularly fortunate we all get financial problems from time to time. And through various reasons falling into the debt trap can happen to the best of us. When this happens there are a number of solutions to the problem – debt consolidation is one of them. So What is This Debt Consolidation? … Continue reading “Home Equity Loans for Debt Consolidation – Is This a Good Move?”
Financial Advisers – Do You Need Them?
Some people can be really popular like George W, The Joker or those nice people who work for the IRS. But what about ‘the financial adviser’? Well they can actually be of great assistance in planning for retirement or generally investing, but you need to choose someone reliable. Remember, anyone can call themselves a financial … Continue reading “Financial Advisers – Do You Need Them?”
Ensuring You Have Enough Money in Retirement
Well we don’t want to worry you but even Moses himself had to wait until retirement to achieve prominence. JR just kept working and even Luke Skywalker gets older! Retirement can mean many things in the modern world and it should be very positive, but for everyday folk just how do you plan ahead to … Continue reading “Ensuring You Have Enough Money in Retirement”
Don’t Destroy Your Net Worth – Part 2
In part one we looked at your net worth again and reminded you of exactly what it was and how you came about it. We began to tell you of the dangers lurking in the shadows ready to eat into your net worth. We looked at how important it was to have a retirement plan … Continue reading “Don’t Destroy Your Net Worth – Part 2”
Don’t Destroy Your Net Worth – Part 1
You may well have read our previous articles explaining the finer points of net worth. And hey……..this is the complete sum of your personal worth so it’s very important. We’ve seen how to build up your net worth by earning more, saving and even investing. But once you get into a really good position it’s … Continue reading “Don’t Destroy Your Net Worth – Part 1”
Credit Cards, Banks and Travel!
Hey forget a National Lampoon vacation, this will be a great trip whether you’re relaxing, taking in a little business or both! Frankly, all you really want to know is when you’re due to get on the plane? But wait……..are you completely organised financially? Have you taken precautions? Do you have the right money? Actually … Continue reading “Credit Cards, Banks and Travel!”
Credit Card Agreements and What You Should be Aware of?
Ok you carry your cards in your wallet, you make the payments and you manage your account well. But these credit card companies can cost you more money if you ignore one crucial thing! The Change of Terms Notice! Oh yes, once each year credit card companies will send out this notice to customers. This … Continue reading “Credit Card Agreements and What You Should be Aware of?”
Credit Card Agreements – A Quick Guide!
Hey you’re like a kid on Christmas day when your new credit card arrives in the post. You’re so happy you could almost kiss the postie! You get out the card and activate it just as quick as you can, but what do you do with the paperwork? File it as you should but without … Continue reading “Credit Card Agreements – A Quick Guide!”
Credit Card Debt Levels Are Rising in America
These have been tough years for the American economy with families finding it hard to make ends meet. But the fact is the level of credit card debt continues to rise at an alarming rate! In 2012 alone debt figures showed a rise of 5 per cent from the previous year on credit cards. It’s … Continue reading “Credit Card Debt Levels Are Rising in America”
Can I Negotiate With My Credit Card Company?
Americans know all about recession and what it can do to households in every state. When the bills begin to bite people understandably begin to get anxious. But negotiate with a credit card company? It would be easier negotiating with Putin……….right? Well actually………wrong! When money gets short and things are piling up on us, there … Continue reading “Can I Negotiate With My Credit Card Company?”
Can I Improve Net Worth by Decreasing Liabilities? – Part 2
Click here to read part – 1 The problem is that for many increases in assets there is a commensurate increase in liabilities (eg. buying a house usually requires a mortgage). Additionally, people only make so much money at their jobs, and negotiating a raise may be difficult. This creates a necessary limit on asset … Continue reading “Can I Improve Net Worth by Decreasing Liabilities? – Part 2”
Can I Improve Net Worth by Decreasing Liabilities? – Part 1
It may sound complicated but the resounding answer my friends is yes! But how do you go about the process? Well first let’s look at the detail. Public companies are required to produce reports based on their financial positions. The fact is, you’ve already heard of this! Income statements, balance sheets, cash flow statements are … Continue reading “Can I Improve Net Worth by Decreasing Liabilities? – Part 1”
Can I get life insurance? – The facts!
Hey listen? No-one wants anything but the very best for you, but of course we all know our time on this earth is limited. Even Barack knows he’ll have to leave office in time right? But if we have families then it makes sound financial sense to take out life insurance. But there are times … Continue reading “Can I get life insurance? – The facts!”
Can I Buy Goods Without Going Into Debt – Part 2
Ok good people of America we’ve looked at how easy Layaway is to use and how you can purchase your items. But we can put the rose coloured glasses away now just to look at what can go wrong – Remember there’s no such thing as a free lunch! Disadvantages of Layaway There’s little doubt … Continue reading “Can I Buy Goods Without Going Into Debt – Part 2”
Can I Buy Goods Without Going Into Debt? Part 1
Doesn’t this concept sound wonderful? You can get the things you need and not get yourself into trouble financially? Whoever thought of this should be President? But wait, just as in all the movie drama’s there’s a catch! So what do they call this cunning plan? The name is ‘Layaway’, LAYAWAY – A WAY OF … Continue reading “Can I Buy Goods Without Going Into Debt? Part 1”
Buying a Home in Retirement
It’s a personal choice as to whether or not we stay in our homes when retirement comes, or move somewhere else specifically to enjoy these years. Some people dream of moving abroad, others like to begin afresh in a new location. But whatever we choose to do the same considerations come into play as buying … Continue reading “Buying a Home in Retirement”
Buying Your First Home – Part two
We’ve already taken you through some very important stages of the process and now you should be ready to move on. The next step can make the whole difference to your mission: Finding A Real Esate Agent It’s amazing how many people find a real estate agent through word of mouth. This could be through … Continue reading “Buying Your First Home – Part two”
Buying Your First Home – Part One
Every American will know buying your first home can be the most important financial decision of your life. It can be emotional and take quite a bit of time. And of course it can be difficult financially. Help however, is at hand. So let’s take you through the complete process in the hope you will … Continue reading “Buying Your First Home – Part One”
A Quick Guide To Credit Unions
Credit Unions are as popular as pretzels, American Idol contestants and superman. Yes it’s a fact they have more than 90 million members serving more than 45 per cent of the financially active community in the States! These wonderful institutions grew from a single church, workplace or town. They only took people on who were … Continue reading “A Quick Guide To Credit Unions”
How To Trade Stocks – Part Two
Now before you begin forget the stories of day traders becoming millionaires or of making a full time living from a brokerage almost immediately. A combination of commissions, fees and gains taxes can eat heavily into a day traders profits. It’s not unusual for people to buy stocks – sell stocks for months without making … Continue reading “How To Trade Stocks – Part Two”
How To Trade Stocks – Part One
It can be both exhilarating and highly exciting watching your stocks making money on a daily basis! No longer is this the domain solely of the Gordon Gecko’s or those young city slickers. All you need is a PC, a decent credit score and enough cash to open an account.
Forex Trading Basics-1
What is It? This is just another name for Foreign Exchange Trading or if you like ‘Trading in Currencies’ – in short you may sell one currency and buy another. This can be done for business but also for speculation purposes. Individuals can trade by themselves either over the internet or on the phone. What … Continue reading “Forex Trading Basics-1”
Investments
If we want to build a decent future in later life its clear simple savings and bank accounts are not the answer. Fluctuating rates of not so great interest won’t help us fulfil our dreams or ensure we have something to fall back on. So for those of us fortunate enough to be able to … Continue reading “Investments”
Investment Portfolios
What is a Portfolio? If you have a number of various investments specifically mixed together with the aim of making a good long term profit, this is known as a ‘Portfolio’. The items included in a portfolio can be anything from equities, art, real estate, commodities, equities. All manner of securities can be placed … Continue reading “Investment Portfolios”
Hazard Insurance
Unless you have infinite funds at your disposal the chances are you’d be hit hard if you needed to finance the rebuilding of your home! And as we all know depending on what state you reside in, natural disasters do strike from time to time in the States. A Hazard insurance policy can safeguard you … Continue reading “Hazard Insurance”
FHA Loans
Dreams are the fuel of life and every American is proud to hold this sentiment dear. So being in the lower income bracket won’t necessarily end the dream of purchasing your own home. An FHA loan is the answer! What is an FHA Loan? An FHA loan or Federal Housing Administration Mortgage Insurance Loan is … Continue reading “FHA Loans”
Car Insurance
There are joyous things in life like a lovely summer’s day or eyeing the most beautiful scenery. Looking for car insurance isn’t one of them! And yet whether we view it as a chore or not affordable car insurance is a necessity. So we need to give it the time it deserves and this means … Continue reading “Car Insurance”
