Payday Loan 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 … 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
As the cost of living continues to rise, a lot of people are now having a hard time even paying for their regular monthly expense. It’s not enough to just have a stable job nowadays, as managing your finances will now be dependent on how much money you are earning. And this is not yet … Continue reading “Payday loan default consequences”
Can you have two payday loans at the same time?
In today’s world, it is becoming harder for people to live a life that is free from any financial worries. There are now more people who are having a hard time to cover their monthly expenses, despite all of the budgeting they did. If dealing with regular monthly expenses is difficult already, this makes dealing … Continue reading “Can you have two payday loans at the same time?”
7 keys to saving money
Do you feel like money just passes through your hands every month? If you do, you are not alone there, as there are many people who are also finding it difficult to save money. There are probably a lot of things you want to do, like go on a vacation, buy a new home or car, … 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?
A lot of people want to have some stability when it comes to their financial situation. Unfortunately, that seems like an impossible task to achieve in the world today. Many of the people who are looking for financial stability don’t have the financial means to weather emergency expenses and are actually struggling to keep up … 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 student may graduate with as many as a dozen loans. Consolidation will combine … Continue reading “What are the benefits of consolidating my loans?”
How to choose a good debt consolidation company
Having too many debts If you find yourself saddled with multiple debts, it becomes a burden. It’s important to remember that there are several factors you need to consider when it comes to addressing this problem. One solution you can look at is getting a debt consolidation loan. There are a lot of debts that … 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
There have been increases of companies that are offering payday loan in the United States as well as critics of this financial tool. A lot of these critics are saying that these types of loan are just over-prices and bad for people. This is not actually the case, though, as these are just misconceptions. When … 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”
Online Installment Loans- No Credit Checks
Online Installment Loans- Bad Credit 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 … Continue reading “Online Installment Loans- No Credit Checks”
Payday Loan Debt Consolidation
Have you ever applied for 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
Selling the gold you own, like jewelry, for cash is not really a new concept, but it has become popular lately and it looks like it will continue to be so. This is not really a surprising development, considering how bad the economy is and how people are struggling financially to deal with their day-to-day … Continue reading “Cash for Gold – The Good And The Bad”
How Can I Save in Retirement?
Not everyone believes in saving for retirement, as they believe that they should also be able to enjoy some of the money they have set aside. After all, it is also important to enjoy life once in a while and not wait for retirement to do it. Though that is correct, it is also important … Continue reading “How Can I Save in Retirement?”
Home Equity Loans for Debt Consolidation – Is This a Good Move?
Financial problems are something that a lot of people will deal with at one point or another in their lives. One way to deal with them is by incurring debt. The problem with debt is that there’s a possibility that you can fall into a debt hole. Fortunately, this problem is not unsolvable, as there are … 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?
You might think that paying your credit card debts on time and properly managing your account is already enough to ensure you won’t pay more to credit card companies. But, there’s one crucial thing that can cost you a lot if you ignore it! The Notice of Change of Terms! Credit card companies will send … 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 will the process begin? 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 all in … 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 are little … 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
If you haven’t heard of Credit Unions, then you must be living in a cave, as they are considered a popular financial institution that has more than 90 million. They are also serving more than 45 percent of the financially active community in the United States. Credit Unions began as a single church, a workplace, … 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 in … 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
Shopping around for a car insurance is not exactly an activity that you would enjoy doing. You’d likely prefer to go to a park or shop for items that you like. Though it is a bit of a chore, it is actually an important financial tool. You will need to allot some time and patience … Continue reading “Car Insurance”
