tag:blogger.com,1999:blog-6411834155104714512024-02-20T10:02:47.996-08:00Money Management Best TipsAnonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.comBlogger79125tag:blogger.com,1999:blog-641183415510471451.post-67868789240244587552013-03-18T19:32:00.000-07:002013-03-22T19:33:00.658-07:00Debt Consolidation Programs - Join To Become Debt Free!<div style="text-align: justify;">
Are your bills long since due? Do creditors keep calling? Are you deep in debt? <br /><br />If you answered yes to every question, you are not alone. Statistics show that the average American house holds 13 credit cards, and a combined debt of $5,800 in <b>credit card debt</b> or more. In debt, it's almost impossible save, invest, or enjoy life due to a lack of financial freedom. <br /><br />If you are experiencing severe debt difficulties and find it difficult to cope, you really should not borrow more money. Try to consolidate your debt using some <i>debt consolidation program</i>.<br /><br />Debt consolidation programs - what are my options?<br /><br />There are various debt consolidation programs, which gives you a lot of options. You could either select a paid service or go for the many free services available. If comfortable, you could also avail an online program for debt consolidation. Banks and financial firms will provide you with these services.<br /><br />Once enrolled in a particular company, you will have a financial analyst or an expert counselor working with you to frame a program to suit your financial need. They then work with your creditors to get lower interest rates and lower monthly payments for you. In some cases, they might even get creditors to eliminate past fees. <br /><br />Once your counselor has come to an agreement with each of your creditors, you must begin making payments to the debt consolidation company each month. They will divide your payment among your creditors. <br /><br />Another benefit of a debt consolidation company is that they will teach you how to use credit wisely and how to budget better so that you won't find yourself in debt again.<br /><br />If you want, you can search the Internet using the term "<u>debt consolidation</u>" and you will find a wide variety of companies to choose from who will be willing to help you. Fill out their free, secure online questionnaires; and a representative from each company will get back with you <br />within 24 hours with a recommendation about your financial situation. </div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-66802081912055879442013-03-18T19:28:00.000-07:002013-03-22T19:29:40.422-07:00How to Use Debt Consolidation Opportunities to Break Free from Debt<div style="text-align: justify;">
<b>Debt consolidation</b> offers users an opportunity to get out of debt and to regain control over their lives once again. Many people owe a lot of money and often struggle to find ways to payoff their debts. <u>Debt consolidation</u> is often the best choice in this scenario, as it can help debtors pay off both secured and unsecured loans.<br /><i><br />Debt consolidation</i> will also give debtors the chance to reorganize their lives along with their debts. If they choose to go with a debt consolidation program, then a qualified company will help them combine their bills into one monthly installment. The debt management solutions can help you by terminating your interest rates on <a href="http://makelovewiththelightson.blogspot.com/2013/03/consumer-credit-counseling-agencies.html" target="_blank">personal loans</a>, mortgage loans, credit cards, and other loans. The overview of debt consolidation then is that you will pay off your debt sooner and have more cash to spend later.<br /><br />If you own a home and your credit is bad, you may want to seek out a bad credit mortgage lender to help you reduce your monthly installments and interest rates. Be aware that some mortgage lenders will increase your rates of interest and mortgage installments while claiming to lower your bills. <br /><br />There are, however, loans available that provide genuine opportunities, such as early pay-offs, cash back loans, lower interest rate loans, lower monthly mortgage payments, and so on. The lenders are aware that families run into problems and instead of taking advantage of this, they will work hard to help them get out of debt and restore their credit. There are also lenders that will combine your mortgage, interest and bills, including credit cards into one monthly payment after refinancing your home. <br /><br />Finally, if you are in debt over your head, don't become like the person who despairs and accepts that he will lose his home, vehicle, and business; rather, become the person who attacks things proactively to find a solution before you are that far in debt; start seeking out the proper debt consolidator right now.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-13782059166349184452013-03-18T19:25:00.000-07:002013-03-22T19:27:44.511-07:00How to Find a Debt Consolidation Firm that Offers Low Interest Loans<div style="text-align: justify;">
Are you searching for a low interest loan for debt consolidation? </div>
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If you have bad credit, you might feel the journey is hopeless. <a href="http://makelovewiththelightson.blogspot.com/2013/03/debt-management-for-personal-loans.html" target="_blank">Debt consolidation loans</a> are loans that help a person reduce his debt payments by combining all debts into one installment. The downside is sometimes the <b>debt consolidation programs</b> will cause your debts to go up $500 or more per month; and it will take longer to repay your debts since the programs will deduct fees and rates of interest. <br /><br />Most low interest loans for <i>debt consolidation require</i> collateral to approve the loan. In this event, you want to be careful as to what collateral is expected of you, since some loans may require home collateral. If you cannot repay the debt, then the lender will repossess your home and put you in the streets. However, if you have quality collateral, it might be in your best interest to take the gamble if it presents a sound way out of debt. <br /><br />Most loans are attached to rates of interest. This means that you will pay the interest rates and the monthly installment toward the amount owed. The <a href="http://makelovewiththelightson.blogspot.com/2013/03/credit-card-reward-cards.html" target="_blank">advantage of loans</a> is that they present a way to get out of debt; therefore, you want to look for the loans that offer low interest rates and monthly repayments.<br /><br /><i>How should you go about looking for a loan?</i><br /><br />To get started, you want to avoid advertising tricks for loans, since most of the tricks are presented to lure in candidates who are less knowledgeable of loan procedures; thus, after the loan is approved, the rates of interest will be higher than average. Therefore, instead of going online searching for a loan, you might want to check with the local banks. If the banks cannot offer you a low interest rate loan for debt consolidation, then ask for referrals.<br /></div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-15830050217107177792013-03-18T19:24:00.000-07:002013-03-22T19:25:06.145-07:00Debt Management for Personal Loans<div style="text-align: justify;">
<a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidation-service-debt-settlement.html" target="_blank">Personal loans</a> can offer individuals a way to have the funds for an array of uses. Some are necessary while others are for pure enjoyment. It is important that you consider the financial obligation that comes with personal loans. Too often, individuals access money quickly then struggle to repay it. If you don’t have a good budget in place you may find yourself unable to make the payments on your personal loan.<br />
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An area where many individuals get into trouble with personal loans is <b>debt consolidation</b>. Within a year most people who use personal loans for this find themselves in even worse financial shape. This is because they have not altered their spending habits any. The result is they <a href="http://makelovewiththelightson.blogspot.com/2013/03/credit-card-reward-cards.html" target="_blank">charge their credit cards</a> up to the limit and now have those payments to make again as well as a personal loan payment. They may soon find they are drowning in the swimming pool of debt.<br />
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Enrolling in a <i>debt management plan</i> may be a great alternative for you to help you meet your financial obligations. Most debt management plans involve working with your creditors to reduce interest rates as well as working with the individual to establish a realistic budget and work to change spending habits. <br />
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The first step in the process is to do some research on the <u>debt management programs</u> available. Find out how long they have been in business and check for any reports from customers with the Better Business Bureau. Once you have chosen one, call to discuss your situation with them and schedule an appointment. You will need to bring statements for all of your bills as well as verification of your income.<br />
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With a debt management counselor you will discuss your monthly obligations. They will work with your creditors to reduce the interest on your debt. This will reduce your monthly payments. You will then make one monthly payment to the debt management agency. They will then disburse the funds to your creditors. You will continue to get monthly statements from your creditors for your records. <br />
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It is important that you understand you can’t use any of your credit cards that you place into a debt management program. Keeping that in mind, you might want to choose one with a very small limit that you pay separately. You will avoid making any additional charges on that credit card unless it is an absolute emergency. You will want to discuss this with your <i>debt management counselor</i>. <br />
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Most creditors are willing to accept the terms of a <a href="http://makelovewiththelightson.blogspot.com/2013/03/consumer-credit-counseling-agencies.html" target="_blank">debt management program</a> because it shows you are accepting responsibility for your debt. They want to recoup the money you owe so this is a very realistic way for that to happen. Most debt management agencies have policies in place about missing payments. Generally, if you miss two payments in a row they will drop you from the program. It is important you notify the debt management agency if you are having difficulties with making a payment. <br />
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Obtaining credit is often too easy, yet repaying it can be a struggle you have for a large portion of your life. If your personal loans and other debt have spiraled out of control, contact a debt management program to see if they can help your situation. </div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-56200703194760822582013-03-17T07:44:00.001-07:002013-03-17T07:44:46.321-07:00Credit Card Reward Cards<div style="text-align: justify;">
No matter where you look, there is always a <a href="http://makelovewiththelightson.blogspot.com/2013/03/consumer-credit-counseling-agencies.html" target="_blank">credit card company</a> that is offering reward programs with their credit cards. New ones pop up all the time, making it sound too good to turn down. Even though they may sound great, you may wonder if the rewards are truly worth it. In some cases they are, although in others they may not be quite as good as you would like.<br /><br />Although having more than one reward card is something <a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidation-service-debt-settlement.html" target="_blank">many people instantly think</a> about, you should always keep in mind that not all of them are worth having. Even though using your credit card is always good, you can sometimes end up paying quite a bit if you don’t pay attention to what you are buying. When it comes down to <span style="color: red;"><b>credit card reward cards</b></span>, you should use caution - with a dash of common sense.<br /><br /><a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidating-your-student-loans.html" target="_blank">Any reward cards</a> that come with high interest rates should always be avoided. With <b>most reward cards</b>, you’ll find that they include higher rates of interest than standard cards. This higher interest rate can quickly and easily offset any type of reward. To be on the safe side, you should always look at the interest rates and determine if the reward is indeed worth it. If you pay off your entire balance at the end of every month - then this won’t be a concern at all for you.<br /><br />You should also keep your eyes peeled for reward cards that offer a high annual fee. These cards can be very tough to keep a grasp of, and they can also interfere with any type of reward you may think your getting. If you look at the fine print before you get choose your reward credit card, you can help to eliminate problems.<br /> <br />Cash back is a type of<i> reward card</i> that is becoming very popular. A lot of the top credit card companies and banks offer cash back programs that are normally around 1% for every purchase that you make. Before you rush out and get a reward card, you should always make sure that you read the fine print and see if there is a maximum limit on the card.<br /><br />Another type of popular <u>reward credit card</u> is the type that give you points for every purchase you make using that card. Once you have accumulated enough points, you can redeem them for items and other cool things. Some cards will have limits as to how many points you can receive, which again makes it your best interest to shop around. <br /><br />There are also credit cards with frequent flyer miles, which have been around the longest. Some cards will base their rewards on points, while some choose to use actual miles. For every dollar you spend using your frequent flyer credit card, you’ll receive either a point or a mile. Once you get enough accumulated, you can redeem them. Most frequent flyer rewards take about 25,000 points or miles in order to redeem them, which can make it nearly impossible for some to reap the benefits of using the card.<br /><br />No matter where you look, finding the right <a href="http://makelovewiththelightson.blogspot.com/" target="_blank">credit card reward card</a> can take some time and effort. You may have no problems finding the card to fit your needs, and if you do, you should consider yourself lucky. Before you choose your card however - you should always take the necessary time to read the fine print and compare what each unique company has to offer you.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-78557205910568120072013-03-17T07:31:00.001-07:002013-03-17T07:31:27.710-07:00Consumer Credit Counseling Agencies<div style="text-align: justify;">
Some people like to deal with their credit card debt all by themselves. However, some people do use credit card debt settlement agency. <br /><br />There can be various reasons for going for a <b>credit card debt settlement agency</b>. Some people use a credit card debt settlement agency because they are not comfortable in dealing with credit card debt settlement by themselves. <br /><br />Some go for a <i>credit card debt settlement agency</i> because they don’t have the time to do the research and evaluate options for credit card debt settlement. Others just want professional advice and hence they contact <u>credit card debt settlement agency</u>.<br /><br />Whatever be the reason for employing a credit card debt settlement agency, a good credit card debt settlement agency would surely be of help. However, it’s important that you select a good credit card debt settlement agency. Do not fall for ads of credit card debt settlement agencies that promise to wipe off your debt overnight. <br /><br />No credit card debt settlement agency or anyone else can do that. You should select a credit card debt settlement agency which has verifiable credentials or a credit card debt settlement agency that you know has a good reputation. <br /><br />If some friend has been through this process previously, they might be able to recommend a credit card debt settlement agency to you. Sometimes you will find ads that promise impossible things and ask you to call a telephone number that’s a premium line. So beware, or else you might end up paying heavy phone bills that would just add to your debt. <br /><br />Some credit card debt settlement agencies might be having a very low fee but no reputation. These are again the credit card debt settlement agencies that you should avoid. However, once you find a reputable credit card debt settlement agency, do not try to hide debt related information from them, no matter how bad your debt it. That is another reason for looking for a reputable <a href="http://good credit card debt settlement agency" target="_blank">credit card debt</a> settlement agency. <br /><br />If the credit card debt settlement agency is not a reputable one, you would not be able to trust them; and trust is very important here otherwise you will neither be able to tell them the full story and nor follow their advice. That said, it’s important to note that no <a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidation-service-debt-settlement.html" target="_blank">credit card debt settlement agency</a> will be able to help you if you are not ready to help yourself. </div>
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So, follow the advice given by credit card debt settlement agency and practice good spending habits.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-37703412780454582192013-03-17T07:26:00.002-07:002013-03-17T07:26:33.793-07:00Consolidation Service Debt Settlement Versus Debt Consolidation<div style="text-align: justify;">
Consolidation services for <b>debt settlement</b> are often a better solution than<i> debt consolidation</i>. These services help you to free your life of stress by ending the harassing phone calls and letters. In some instances, <a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidating-your-student-loans.html" target="_blank">consolidation services</a> have helped people by reducing their bills to less than half the amount owed. The families and individuals were able to avoid bankruptcy courts, and their debts were eliminated in as little as three years. <br /><br />Many of the services for <u>debt consolidation</u> claim the process is simple and free of stress. However, it is frustrating since you must be organized to get the help you need. If you have problems with organizing, then you may feel a sense of stress. On the other hand, the counselors are qualified to negotiate on your behalf, requesting lower payments and lower debts, sometimes even up to 70%. </div>
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This will provide you with lower monthly installments. Instead of dealing with the <a href="http://makelovewiththelightson.blogspot.com/2013/03/how-will-consolidating-my-debts-affect.html" target="_blank">creditors individually</a>, the counselor for debt management will handle this for you; this, too, will eliminate stress. <br /><br />The balances you pay toward eliminating your debts are based on your income, and are often determined by 75% living costs. In other words, some <a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidate-your-credit-card-debt.html" target="_blank">companies determine</a> how much money you can afford to pay the creditor after they figure the price of living. However, if you have mortgage payments, then this will reduce the percentage of living costs, since the mortgage is a source of living and a source of debt. </div>
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Legally, it is against the law for any company to take more than you s make. In other words, any service that offers debt relief or other types of service must factor in your cost of living. Of course, the counselors will help you to cutback on your spending during the settlement process, thus helping you to increase your source of income.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-48221151903844176352013-03-17T07:09:00.002-07:002013-03-17T07:09:51.722-07:00Consolidating Your Student Loans<div style="text-align: justify;">
Student loans are just as burdensome as any other loan and in some cases students have several loans taken out in order to pay for college. This is where <span style="color: red;"><b>student loan debt consolidation</b></span> comes in with a plan of consolidating all of an <a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidate-your-credit-card-debt.html" target="_blank">individual's student loans</a> into one manageable loan. </div>
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<br />You need to get your facts by researching various places before you apply for one of these <a href="http://makelovewiththelightson.blogspot.com/2013/03/how-will-consolidating-my-debts-affect.html" target="_blank">consolidation loans</a>. Only certain types of loans can be consolidated under this type of loan and you will need to check. You cannot include loans such as credit cards, loans from family members, or automobile loans in the student loan consolidation. </div>
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<br />The obvious <a href="http://makelovewiththelightson.blogspot.com/2013/03/comparing-credit-cards.html" target="_blank">benefits to consolidating</a> a student loan are that there will be a single payment, probably a lower payment, and one fixed interest rate. The fixed interest rate is especially attractive because this helps a person set up a budget easier. Of course the drawback to a fixed interest rate in this type of loan is that you may not be able to take advantage of future drops in interest rates if they occur. </div>
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<br />Another drawback to <span style="color: red;"><i>student loan debt consolidation</i></span> is the length of the term. It could be that you end up paying this loan longer than you would have otherwise and in the end pay more total interest. So be careful to get all of the data about your student loan debt consolidation loan before you sign the agreement.. </div>
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<br />Finally, you need to determine if consolidation is really for you before doing it. It may be that you want to pay off the loan faster as <u>student debt consolidation loans</u> tend to stretch out longer. But for most it is an attractive way to get your payments down and manage your student loan debt<br /></div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-29531963778301649352013-03-17T06:59:00.003-07:002013-03-17T07:01:27.815-07:00How Will Consolidating My Debts Affect My Credit and My Overall Level of Debt?<div style="text-align: justify;">
<a href="http://makelovewiththelightson.blogspot.com/2013/03/consolidate-your-credit-card-debt.html" target="_blank">Consolidating your debts</a> is essential if you want to avoid the interest trap and subsequently future grief and stress. <b>Debt consolidation solutions</b> relieve individuals and families, as there are few feelings worse than being overwhelmed with debt; it carries over to burden you in every other problem you encounter. <br /><br />Many <i>debt consolidation organizations</i> and companies tell you that if you pay the least amount of money, applying it to your bills will take you forever to repay your debts. This is true; however, if you are paying the least amount, it is showing effort on your part. <br /><br />After attending classes, studying law, and studying credit repair solutions, I found that requesting help from a <u>debt consolidation company</u> in comparison to paying off your debts on your own strikes against you. In other words, if you have to use an outside source to pay your debts, then it shows that you are not responsible for your own money management. <br /><a href="http://makelovewiththelightson.blogspot.com/2013/03/comparing-credit-cards.html" target="_blank">Debt consolidation services</a> claim to offer simple methods to reduce your bills, rolling them into one monthly installment. However, some companies will charge hidden fees, coupled with high interest rates. Therefore, you are not getting out of debt any sooner than you would be if you were paying the least amount on your bills. Many of the debt consolidation services will make it easy for debtors to apply for a loan or else a solution to help them get out of debt. <br /><br />Few companies will make up slicks that <a href="http://makelovewiththelightson.blogspot.com/2013/03/common-credit-card-debt-settlement.html" target="_blank">attract consumers</a>, leading them to believe that help is available now. However, it took you a short time to land in debt; it will take you longer to get out of debt. Therefore, do not fall for any company slick; rather, adventure into research, looking for the companies that will help relieve you from overwhelming payments and at the same time reduce your monthly installment. </div>
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These companies will not charge you a fortune; rather they will help you eliminate your debts over a period of time.<br /></div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-64993034718453972322013-03-16T03:22:00.001-07:002013-03-16T03:22:47.710-07:00Consolidate Your Credit Card Debt<div style="text-align: justify;">
<b>Consolidating your credit card debt</b> is actually one of the smartest decision you could ever make. <i>Credit card consolidation</i> is ideal for anyone who is looking to have better credit now, and in the future. Consolidation is very common these days, and it is actually a sure way to combine your debt and make sure that you never get yourself too far in credit card debt.<br /><br />Even though there are many reasons why to <a href="http://makelovewiththelightson.blogspot.com/2013/03/comparing-credit-cards.html" target="_blank">consolidate your debt,</a> one of the better reasons is to get a better rate. If there is a way to get lower rates on a current consolidation, then you’ll have no reason to consolidate your debt. Anytime you are able to consolidate your debt and save yourself a bit of money - you should never hesitate to do so.<br /><br /><span style="color: red;"><u>Consolidating your credit card debt</u></span> will also save you a lot of money as well. If you have managed to get yourself in debt, chances are that you owe a lot of money on your credit card, or possibly several different credit cards. Consolidation will put everything into one bill, making it easier for you to pay. Paying just one bill can help you save a lot of time, as well as prevent stress.<br /><br />Although consolidation will put your credit card payments into one bill, you should never do it for that reason alone. The last thing you want, is to pay more money to avoid getting more than one bill a month. Credit card debt consolidation is a wise investment though, as it may give you lower monthly payments over an extended period of time. It will also close out other accounts as well, which could help you to improve your credit.<br /><br />If you are looking to <a href="http://makelovewiththelightson.blogspot.com/2013/03/college-student-credit-card-debt.html" target="_blank">consolidate your credit card debt</a>, you shouldn’t hesitate to let the professionals help you. There are a lot of companies and banks that specialize in consolidation, and would be more than willing to help you. Before you make your decision though, you should always research your options available and find the best one for your needs. You should also make sure that there are no hidden fees or other problems as well. If you take the time to research, you’ll save a lot of money in the future.<br /><br />A lot of people who turn to credit card debt consolidation, let their credit cards get the best of them. A credit card can be great to have, although it can be easy to abuse as well. If you aren’t careful in your spending, you can rack up debt before you know it. Once you get yourself in credit card debt, it can be really hard and very stressful to get out of it. Normally, it will take you months and possibly even years to get out of debt.<br /><br />If you’ve made the decision to turn to credit card debt consolidation, the first thing to do is to look at your debt, and see exactly how much you owe. If you know what you owe and who all you owe it to, it will be much easier to contact the professionals and get them to help you. When you contact them to help you, you shouldn’t be afraid to ask them any questions, as you should always be looking for the best deal possible. </div>
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Although <a href="http://makelovewiththelightson.blogspot.com/2013/03/common-credit-card-debt-settlement.html" target="_blank">credit card debt consolidation</a> is a great thing, you should always do yourself a favor and wait until you find the best deal possible.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-8233979679877793482013-03-16T03:19:00.001-07:002013-03-16T03:19:15.361-07:00Comparing Credit Cards<div style="text-align: justify;">
All across the United States, there are hundreds and hundreds of banks and <span style="color: red;"><b>credit card companies</b></span> looking for your business. This day and age, banks and <span style="color: red;"><i>credit card companies</i></span> are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks.<br /><br />Before you make your decision and <a href="http://makelovewiththelightson.blogspot.com/2013/03/common-credit-card-debt-settlement.html" target="_blank">choose a credit card</a>, you should always compare what each company or bank has to offer you. If you get an offer in the mail for a credit card, you should go on the Internet and look into it more. You should also make sure that you read the fine print as well, to see if there are any type of hidden fees or other costs associated with that card. Many times, with offers in the mail, credit card companies or banks will try to sneak hidden fees and costs in there.<br /><br />When you start to compare offers, you should make sure that you look at the APR and the fees. The APR is very important, as this will tell you your interest rate. You want to get the lowest APR possible with your credit card. If you look at a credit card that has an unusually high APR, you should immediately rule it out. Credit cards that come with high APR rates can easily lead you on a roller coaster towards credit card debt. No matter how good your credit may be, high APR rates can leave you with charges that are really difficult to pay.<br /><br />Among the many options available to you, you’ll have three <a href="http://makelovewiththelightson.blogspot.com/2013/03/collection-process-on-personal-loans.html" target="_blank">primary choices for your credit card</a> - Visa, MasterCard, and American Express. These three giants are the <a href="http://makelovewiththelightson.blogspot.com/2013/03/college-student-credit-card-debt.html" target="_blank">leaders in credit cards</a>. Visa and MasterCard don’t issue the cards themselves, they have banks and other companies issue on their behalf. American Express, or AMEX, is the only one that does everything themselves. AMEX issues their credit cards, maintains their own networks, and doesn’t use any type of third party.<br /><br />If you like to travel, you will probably want to choose either Visa or MasterCard, as they are accepted all over the world. American Express is the least accepted of the three, although the company is upgrading their networks every chance they get. Before too long, AMEX will be accepted virtually everywhere. Right now though, AMEX isn’t accepted in all areas of the world.<br /><br />Discover is another type of credit card, although it isn’t near as popular as the three above. Discover does have some great benefits to offer you, although it isn’t accepted in other parts of the world. Most people who have Discover credit cards stay local and use their cards in the event of an emergency. If you don’t have a credit card and have been thinking about getting a Discover card, you should really think about that decision and choose either Visa or MasterCard instead. <br /><br />All in all, there are a lot of credit cards to choose from. That final decision though, is entirely up to you. There are a lot of great companies and banks out there, although it’s up to you to find the best credit card for your needs. You can choose to go with a company or bank that’s local to you, or get online and look for your credit card. The Internet can be a great resource for credit cards, as long as you know what you want. </div>
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If you know what you want before you go online - you’ll save yourself a lot of time and money.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-32244867066384826252013-03-16T03:02:00.000-07:002013-03-16T03:02:10.175-07:00Common Credit Card Debt Settlement Mistakes<div style="text-align: justify;">
Paying off your <b>credit card debt</b> can be damaging to your financial status that you often resort to just about any technique or method needed to get out of that trap. However, you need to methodically analyze your decisions in terms of handling your debt settlement since they can impact your long-term financial status. Moreover, legal complications could get in the way and that's the least you want to happen with an already escalating <span style="color: red;"><i>credit card debt</i></span> balance. <br /><br />If you want a good <span style="color: red;"><u>credit card debt settlement</u></span>, you must try to avoid any of the following methods or mistakes. Most of them include pointers on what you should avoid if you would not want your credit card debt to continue escalating.<br /><br /><i>Closing Your Account</i><br /><br />Some people become extremely fed up with their <a href="http://makelovewiththelightson.blogspot.com/2013/03/college-student-credit-card-debt.html" target="_blank">credit card debt</a> due to their inability to meet the rising interest rate and debt balance to settle. Therefore, most opt for the easy way out, which is to close their accounts. While this solves one aspect of your problem, it offers another type of dilemma. Doing so will cause your credit rating to take a massive dip. <br /><br />Here's a solution that you can try. If you have determined to not want to use the cards, then set it aside. You need to really fulfill the promise to not use cards in any of your purchases again since it can easily add up to your debts. Meanwhile, make sure to continue settling any other existing credit card debts while you help yourself by not adding more to the damage.<br /><br /><i>Debt Consolidation</i><br /><br /><a href="http://makelovewiththelightson.blogspot.com/2013/03/collection-process-on-personal-loans.html" target="_blank">Debt consolidation</a> is a debt relief option that is already becoming quite popular among people with debt problems. While this has helped few people settle their debts and return to a smoother financial status, it is not always the best option to relieve yourself of debt. If you're not familiar with this method, debt consolidation is when you find a new creditor that will pay off any of your existing multiple debts. </div>
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Then, you will now have to settle those accounts through your new creditor. The convenience offered by debt consolidators is that you now have only one debt to settle, as opposed to multiple of them. Plus, negotiating for a low interest rate on your debts are possible but it will extend the life of your loan and payment period. <br /><br />Of course, these debt consolidators don't do it if there's no benefit for them. Debtors are given up-front fee for some consolidating companies while a statement of having “third party assistance” will be reflected on your credit report. <br /><br /><i>Paying High Interest Rate</i><br /><br />This is an obvious mistake that most debtors often make when trying to settle credit card debts. Since being able to settle all of your debt balance is also in the interest of your credit card company, then you need to negotiate a meeting point when it comes to achieving your interest rate. Once you have agreed on a lower interest rate, look into making punctual payments to avoid adding more late payment charges on your balance.<br /><br /><i>Opting To Settle Minimum Balance</i><br /><br />This is one mistake that people often make when paying off their credit card bills that often result to rising credit card debts. When you are using credit card to make purchases, it is easy to believe you have an unlimited pool of money. That is when excessive splurging comes into play that causes unimaginable credit card debts. If you pay only the minimum balance, your creditors could care less because they will be getting a percentage of interest on that. </div>
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If you can, try paying double your minimum amount in order to relieve yourself from mounting interest that could really hurt your debt and <a href="http://makelovewiththelightson.blogspot.com/2013/03/cleaning-mess-in-your-credit-report.html" target="_blank">financial status</a>. </div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-23015327733104211322013-03-16T02:20:00.001-07:002013-03-16T02:20:28.233-07:00College student credit card debt<div style="text-align: justify;">
Credit card debt doesn’t shy away from anyone who doesn’t want to shy away from it. It treats everyone equally irrespective of whether the person is a seasoned professional or just a college student. So college student credit card debt isn’t uncommon either. Since the credit limit on <b><span style="color: red;">college student credit cards</span></b> is much lower, the <span style="color: red;"><i>college student credit card</i></span> debt cannot rise to the levels it does for other credit cards. </div>
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However, <a href="http://makelovewiththelightson.blogspot.com/2013/03/collection-process-on-personal-loans.html" target="_blank">college student credit card</a> debt is an even bigger menace because a lot of students are already in debt due to the loan they have taken for their education. If they pass out of college with <a href="http://makelovewiththelightson.blogspot.com/2013/03/cleaning-mess-in-your-credit-report.html" target="_blank">college student credit card debt</a>, they will have to payback not just the loan they taken for studies but also their college student credit card debt.<br /><br />Since most of the college students are inexperienced in the usage of credit cards, they can easily fall prey to what we call as ‘college student credit card debt’. In fact, college student credit card debt is one reason why the <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-best-type-of-lease-for-your.html" target="_blank">credit card suppliers</a> keep a lower credit limit on college student credit cards. The solution for avoiding college student credit card debt is similar to what it is for avoidance of any type of credit card debt. </div>
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So, the first thing for avoiding college student credit card debt is to understand the concept that credit card is not free money and that whatever you pay-for using your credit card has to be paid back to the credit card supplier when your credit card bill arrives. So don’t treat credit card separate from hard cash. Avoid overspending e.g. do not buy things just because they are on sale, sales keep coming and going and there are always better offers each time; buy only those things that you really need. A good thing to do is to prepare your monthly budget and follow it religiously. </div>
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Never budge from your budget. Another very important preventive measure for avoiding college student credit card debt is to avoid going for a second credit card. Some students have a tendency to go for multiple credit cards just because the credit limit on college student credit cards is very low. However, this is a perfect recipe for getting into a college student credit card debt. This is how college student credit card debt builds up. One credit card is more than enough for any student. <br /><br /><span style="color: red;"><u>College student credit card</u></span> is really meant to be treated like a training ground for learning more about credit cards. It should not be make an instrument of debt (college student credit card debt).</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-10392421142084788662013-03-16T02:10:00.001-07:002013-03-16T02:10:10.355-07:00Collection Process on Personal Loans<div style="text-align: justify;">
<span style="color: red;"><b>Personal loans</b></span> are available for a variety of uses. Most individuals who obtain them have every intention of repaying them as outlined in the terms of the loan. However, we all know that life can have plans for us that differ from what we envision for ourselves. There are also individuals out there who suck the life from any financial resource available, with absolutely no intention of repaying the funds.<br /><br />There are many courses of action lenders can take in an effort to collect <a href="http://makelovewiththelightson.blogspot.com/2013/03/cleaning-mess-in-your-credit-report.html" target="_blank">unpaid personal loans</a>. If you find yourself in a situation where you can’t repay your personal loan, it is in your best interest to contact the lender immediately. They are more willing to work with you than to turn you into collections. </div>
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Being honest about your situation will help them explore all the available options with you. In some cases, you can revise the loan to have lower payments or even skip a few payments without it causing a negative impact on your credit report.<br /><br />The collection process for each lender is different. It is an area you should familiarize yourself with prior to accepting the terms of the loan. If you obtained a <u>personal loan</u> using the assistance of collateral attached to the <span style="color: red;"><i>personal loan</i></span> or a co-signer than you in a dire situation that requires your attention to remedy it as quickly as possible. <br /><br />Most creditors don’t care who repays the loan, as long as the funds get paid. Therefore, they have every intention of holding a co-signer liable for the balance due on the loan when the borrower is in default. The creditor may still desire to pursue legal action against the borrower. This can be done by taking the borrower to court. However, due to the time and cost involved they will likely just choose to pursue the co-signer for the funds. If a co-signer refuses to pay, then the creditor is likely to take both the borrower and co-signer to court or send the account to a collection agency. <br /><br />Neither option works well for the borrower or co-signer. Court costs are expensive and you may need to pay for legal representation. The court can mandate you pay a set amount of money each month, or face the consequences of the legal system. <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-credit-card-in-uk.html" target="_blank">Collection agencies</a> generally will continually hound both the borrower and co-signer with phone calls and letters. They can also choose to garnish your paycheck, greatly reducing the amount of take home income you have.<br /><br />Secured personal loans that go into default mean the creditor will be taking the asset you tied into the loan. This can be property, a vehicle, or other type of asset. Keep in mind that just because they have that asset, your loan may not be settled. Often, they will sell the asset for whatever amount they can get, and then apply that amount towards the balance due. The remaining balance will still be your responsibility, thus it could result in court proceedings or collections. <br /><br />To prevent your personal loan from spiraling out of control, make sure you only borrow the amount of money you absolutely need. This will help keep your monthly payments low. Budget each month for repayment of your personal loan. If you have extra funds, consider paying in advance or placing the money into a savings account for emergencies. <br /><br />Lenders find court proceedings and collections a costly and time consuming part of doing business. They will also collect on any collateral you put forth to secure the loan. They don’t enjoy it, but will take such action as means of recovering the money they lend. It is very important that you contact your lender immediately if you are not able to make a payment. This will allow them to work with you before the issue gets out of control. </div>
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If you find a lender can’t help you, consider contacting a <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-best-type-of-lease-for-your.html" target="_blank">consumer counseling agency</a> for further assistance.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-60552867328028422902013-03-15T07:17:00.000-07:002013-03-15T07:17:06.253-07:00Cleaning the Mess in Your Credit Report<div style="text-align: justify;">
An important factor that plays an important role in maintaining a clean credit report is actually the contents of your credit report. The <b>credit report</b> is pretty much the story of your financial life, contained in a detailed document.<br /><br />The credit report carries the credit score, which is a numeric ranking usually between 300 and 850. Several lenders use the credit score to help them decided whether you are worthy of a credit. More so, the score is also used to determine your capability of paying a loan. The <i>credit report</i> is important and cleaning or maintaining a good <u>credit report</u> is vital to your financial survival.<br /><br />A Look inside the Credit Report<br /><br />In a credit report, the first entry is normally your personal information. It includes your name, listed telephone number/s, previous and current addresses, reported differences of your Social Security Number, past and present employer and the date of birth.<br /><br />The information regarding your credit accounts follows your <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-credit-card-in-uk.html" target="_blank">personal information entry</a>. This is also listed in detail and normally includes loans, the maximumlo an amount, and information of any joint account holders or co-signers. The credit report also incorporate a section, called Inquiries, which lists<br />any person who has recently requested a copy of the credit report.<br /><br />There are some states, wherein the credit report contains public record information. This information can feature overdue payments, bankruptcies or other judgments in the court. Normally, these entries can<br />last for up to ten years and may affect your chances of obtaining a loan negatively.<br /><br />How to Start<br /><br />Firstly, in order to <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-your-reward-card.html" target="_blank">clean your credit report</a>, you will need to order a copy of the report. You must determine what is out of date or inaccurate, after which you can submit a letter to the bureau requesting<br />fixes to the information. This process may take a long time and you may be required to do several follow-ups with each bureau before achieving a clean credit report. However, to perform this correctly, you must be aware of the information the credit agencies are allowed to report and the duration.<br /><br />Ordering a credit report can be easily done and accessible to everyone, since at least one free report can be obtained by the consumer each year; this rule is also included under the FCRA or Fair Credit Reporting Act. More so, the consumer is also allowed to obtain a free copy of his or her credit report each year from each of the three major companies handling credit reporting, namely the Experian, TransUnion, and Equifax. However, in case you have already obtained a copy of your credit report this year, you may be required to pay an additional fee if you want another copy.<br /><br />Once you have obtained your report, review it carefully. Every detail must be inspected since bureaus can sometimes confuse names, addresses or employers. Most often, people who have common names have credit reports that may contain information on other variations of their name.<br /><br />Additionally, it is important to perform a periodic check on the credit report. It is advisable to order a copy of the report once a year and dispute any possible inaccuracies. Always take careful steps in handling your payments and make sure not to make any late payments. Time is of the essence and even minimum payments should not be neglected. Remember that carefully managing your credit can add as much as fifty points to your credit score per year.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-7650548285082082702013-03-15T07:01:00.000-07:002013-03-15T07:01:54.512-07:00Choosing the Best Type of Lease for Your Business<div style="text-align: justify;">
When it comes to <b>leasing equipment</b>, understanding what it can do for your business is only part of the equation. Understanding and choosing the <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-your-reward-card.html" target="_blank">best lease</a> for your business is another matter altogether. The market is primed for the use of <i>equipment leasing</i> to expand, grow and hone a businesses assets, but at the same time there is little material out there to help a business judge what’s a good lease and what isn’t.<br /><br />What You See Is What You Get<br /><br />There is an old truism that says you get what you pay for. When it comes to <u>equipment leasing</u>, you want a lease that clearly defines your responsibilities versus the lessor’s responsibilities. You really want it to be what you see is what you get. So how do you go about choosing the best type of lease for your business?<br /><br />Shop the options is the best way to get started. If you know what type of equipment you need, then comparison-shop the options with different companies. Some key figures to make sure are included in any lease option are:<br /><br />• Cost Per Month<br />• Maintenance Contract<br />• Cost of Maintenance Contract<br />• Training Available<br />• Customer Service <br />• Availability for Software and Hardware Support<br />• Obsolescence Upgrades<br />• Term of Contract<br />• Renewal Terms<br /><br />When it comes to long-term leases, it’s better to set the terms from the outset to deliver the best possible results to the company overhead. When it comes to maintenance, many leasing companies package that as a separate component. If a piece of equipment fails altogether, it’s likely the leasing company will replace it. But what if the piece of equipment goes down? Will there be a 2-hour, 4-hour or 24-hour response time to getting a service technician on-site and the equipment back into operation?<br /><br />This information is critical because when a piece of equipment is operable, it’s just a piece of junk taking up room and preventing the business from operating normally. Upgraded maintenance contracts will have to be negotiated. But there’s also the concern about what happens when a newer, better model of equipment becomes available? Does the lease terms support an upgrade to this model of equipment or will it require waiting until the contract is up for renewal?<br /><br />Beware Hidden Costs<br /><br />By getting the information up front, a business can avoid hidden expenses. They can plan budgetary requirements and potentially for long-term leases, bring up training requirements for their staff. This is another concern that some companies don’t consider when negotiating a lease. Will the operator of the equipment receive training from the leasing corporation? Do they have representatives that understand the operation of the equipment and provide certified instruction? If not, how is that handled?<br /><br />While this will not be a concern for every piece of equipment leased, for those <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-your-reward-card.html" target="_blank">businesses</a> that require certified training it’s good to know if it will be available. Also in the case of leasing computer equipment, how is software licensing handled? Is packaged into the hardware lease or do those licenses need to be obtained separately?<br /><br />Finally, understanding the renewal terms can help circumvent a rise in cost for renewing an equipment lease. Some contracts will allow locking a price for a period of five years. The lease may only last two years, but at the renewal point the cost is locked in for that particular piece of equipment. When it comes to a long-term budgetary forecast, every piece of information can help.<br /><br />Clearly defining what an individual contract delivers from a leasing company can provide a business with the opportunity to comparison shop. By comparing the different options, price levels and services from one leasing company to the next, a business will be choosing the best equipment lease for their business.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-15963233521417173302013-03-15T06:50:00.000-07:002013-03-15T06:50:37.284-07:00Choosing a Credit Card In the UK<div style="text-align: justify;">
<b>Credit card companies</b> are all over the world and so are credit cards. Some of the <i>credit card companies</i> only offer cards to a specific country or region that they are in. If you live in the UK, then you might need some information about credit cards that are available for you. <br /><br />Credit cards that you get in the UK are not any different from any other credit cards. The <u>credit card companies</u> offer special incentives to get customers like 0% APR for a specific time period, no annual fees, and you may even be able to apply for the credit cards online. <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-your-credit-card.html" target="_blank">Many credit card companies</a> based in the UK do not give their cards to consumers in other countries due to security reasons. However, if you live in the UK, then there are many companies that are sure to let you fill out an application to receive their specific credit card. <br /><br />There are many companies that encourage you to apply online. They overwhelm you with ads, promising a 60 second approval. <br /><br />Credit card use in the UK can cause financial problems just as it does all over the world. People in the UK owe tens of billions of pounds in credit card debt at an interest rate of over 16% and this figure keeps getting higher and higher. Debts over 2500 pounds are common to ten percent of the people in UK and combined with high interest rates, this figure is near impossible to get to come down. <br /><br />There are some benefits to having a credit card that a great many UK consumers find appealing. Some of the credit card companies offer cash back with purchases, air miles, travel insurance, and insurance for your purchases. A credit card looks good to many UK consumers, especially when you add in the discount vouchers. <br /><br />When you decide to apply for a credit card, you should research all of your choices to find the one that is best for you. Once you receive it, you need to be careful in using it or you could find yourself in a financial mess. If you use your <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-your-reward-card.html" target="_blank">credit card wisely</a>, then you will find that it will make your life easier, no matter what country you live in.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-75469233041787862722013-03-15T06:45:00.001-07:002013-03-15T06:45:43.657-07:00Choosing Your Reward Card<div style="text-align: justify;">
When you are in the market for a new credit card, the features you have to choose from may draw you to the card. Low interest rates and the types of rewards you can get, are what draw many to <b>reward credit cards</b>. Those of you who have good credit, will more than likely be able to get <i>reward cards</i> that boast 0% APR. This does have an introductory period, normally 1 year, that goes along with your<u> new reward card.</u><br /><br />You’ll also need to think about the type of card that <a href="http://makelovewiththelightson.blogspot.com/2013/03/choosing-your-credit-card.html" target="_blank">best fits your lifestyle</a>. The credit card field is very competitive, meaning that you always have a lot of offers to choose from. Reward cards and becoming very popular, with more and more coming out all the time. If you look for your <a href="http://makelovewiththelightson.blogspot.com/2013/03/chasing-chase-credit-card.html" target="_blank">reward credit card</a> on the Internet, you’ll be able to compare hundreds and hundreds of offers - and decide which one is indeed the best for you.<br /><br />Those of you who travel on a frequent basis, may find frequent flyer reward cards to be very beneficial. These credit cards will accumulate either points or miles for every dollar that you spend. You can then use the accumulated points or miles and redeem them for airline travel, hotel reservations, car rentals, and even cruises. These credit cards can also help you with discounts as well, which can make a vacation or business trip more affordable than ever.<br /><br />If you like to pay your full balance at the end of every month, then you may find a reward credit card with a cash back feature to be the most enticing. There are some cards that offer cash rewards of up to 5%, which can equal quite a bit at the end of the year. All you need to do with cash back reward credit cards is make a purchase, and you’ll get money back for everything you buy.<br /><br />Other types of reward credit cards include discounts on gas purchases, contributions to your savings account, and points that you can redeem for great items and things of that nature. No matter what your lifestyle may be, you can almost always find a reward credit card that fits your needs and interests. Reward credit cards are great to have, as you can buy the things you need and earn points, flyer miles, and even cash back.<br /><br />If the sound of rewards with your credit card purchases sounds enticing, you should look into getting a reward credit card. These cards are great to have, as most include low APR with great reward incentives. They can save you money as well, which is great for those on a budget. With a reward credit card - no matter what you choose you’ll come out a winner.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-49731168452635924882013-03-15T06:30:00.001-07:002013-03-15T06:30:18.042-07:00Choosing Your Credit Card<div style="text-align: justify;">
As you probably already know, there are many credit cards out there. The one you choose however, should reflect your lifestyle and your ideal spending amounts. If you are looking for the best possible deal and the best company for your credit card, you’ll obviously need to look around at what you have to choose from and what works best for you.<br /><br />The first thing you’ll need to decide when <b>choosing your credit card</b>, is why you need one in the first place. Some people <i>choose to get a credit card</i> for cash flow purposes. With a credit card, you can make purchases and buy things, leaving your paycheck or other source of income in your bank account to draw interest. This way, your money will continue to grow while you continue to buy the things you need. Then at the end of the month, simply pay your bill.<br /><br />Others will <u>choose to get a credit card</u> and use it for instant cash purposes. This way, they can use their credit card at an ATM and get instant cash, which is great for travel or going on a long and extended vacation. If this is why you want a credit card, you should look for one that has the lowest rate possible for instant cash transactions.<br /><br />With a credit card, you’ll also need to think about the payments. You’ll need to decide if you want to pay the balance in full each month, or only the required amount. When you select your credit card, you should look at the introductory rates, balance transfer rates, and other offers that may apply to new credit cards and new holders. Some will offer you truly amazing deals, especially if you have good credit.<br /><br />Another important area to look at when choosing your credit card is the incentives. There are several cards out there that will give you incentives, such as reward points and even cash back with purchases that you can use towards paying back what you owe. There are several incentives out there with credit cards, all you have to do is look around and compare.<br /><br />The key area you’ll need to look at and compare is the APR (Annual Percentage Rate). The APR is what you will pay on what you purchase when the incentive period runs out. APR rates will vary among credit cards, so it is always in your best interest to compare and shop around. The lower APR rate you get, the better off you’ll be.<br /><br />Another concern with choosing your credit card is the <a href="http://makelovewiththelightson.blogspot.com/2013/03/chasing-chase-credit-card.html" target="_blank">minimum payment amount</a>. Most minimum payment balances will start around 3%, although some can be lower while others tend to be quite a bit higher. The interest free period is a concern as well, as you will obviously want to choose the longest period that you can keep the payments down.<br /><br />When you make that final decision and <a href="http://makelovewiththelightson.blogspot.com/2013/03/credit-card-company-that-you-can-trust.html" target="_blank">choose your credit card</a>, you should always make sure that you know exactly what you are getting. Credit cards are great to have, although they can lead to a downfall if you don’t choose them carefully. If you put some time and research into choosing your credit card, you’ll find the best one for you. As long as you take care of your credit card and pay the bill on time, you’ll help raise your credit and eventually be able to purchase even bigger things - such as a car or even a house.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-88434443969195728382013-03-15T03:43:00.000-07:002013-03-15T03:43:11.208-07:00Chasing a Chase Credit Card?<div style="text-align: justify;">
Credit cards indeed have become one of most indispensable tools in managing finances nowadays. Aside from being an effective way of obtaining credit, credit cards also make it easier for people to spend their money the right way. That is why making the crucial decision of choosing the right credit card should be paid more attention. <br /><br />One of the most popular brand names of credit cards in the market today is the <a href="http://makelovewiththelightson.blogspot.com/2013/03/chase-credit-cards.html" target="_blank">Chase credit card</a>. Like any other credit cards, Chase credit card is a brand name of credit card like MasterCard or Visa that is accepted worlwide. Aside from Chase credit card, the company also offers travel cards, Auto & Gas cards and student cards. Indeed, there are a number of ways in which Chase credit card can be advantageous and beneficial. </div>
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Probably, the <a href="http://makelovewiththelightson.blogspot.com/2013/03/credit-card-company-that-you-can-trust.html" target="_blank">best feature Chase credit card</a> has is the convenience it offers to busy and working people. A Chase credit card is also perfect for customers who are comfortable online. Aside from making it easy for the customer to maintain their account online, Chase credit card lets you check your balance and pay your bills through a secured web site.<br /><br />Having a chase credit card is quite convenient for the customer because it lets the credit card holder purchase goods easily and quickly whether they buy it directly, over the phone, or even on-line. Since Chase Credit cards are international cards, it is beneficial for people who travel a lot because they can use it all over the world wherever they see the Chase credit card logo. <br /><br />More and more people are choosing a Chase credit card because it offers a lot of credit card processing alternatives. Because <i>Chase credit cards offers</i> a wide array of processing options, many people appreciate it compared to other brands. One of the most enticing offer Chase credit cards has is that it is available in numerous places. Chase credit cards also offer many deals and promotions like lower introductory APRs and waived membership fees that allow the holder to save more money. <br /><br />There are alos many types of Chase credit card that offer reward programs for every purchase the holder makes. For instance, one type of Chase credit card allows you to earn travel miles for every dollar spent using your your Chase credit card. Another type of Chase credit card also allows you to earn reward points for every dollar you spend. </div>
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These points will then enable you to purchase from a <u>Chase credit card catalogue</u> and they will have your chosen item shipped to right next to your doorstep! These reward options you get from using a Chase credit card are great because it will give your tangible gifts and rewards, free trips and wonderful merchandise without spending a single cent. A Chase credit card is handpicked by many people because its company makes sure that they give good customer service to its customers. </div>
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Aside from getting all the great deals the card offers, having a Chase credit card can also give the holder instant access to customer support around 24/7. This will enable the customer to contact someone if his or her Chase credit card is stolen. Apart from this round-the-clock feature, Chase credit card also protects its customers from identity of thieves.<br /><br />When you apply for Chase credit card, some of the benefits include 0% intro APR on all purchases and balance transfers you make for up to six months. Chase credit card does not charge any annual fee so it will fit your budget and, a Chase credit card have interest-free grace period as long as you pay your bill in full each month. Having a Chase credit card also allows the holder to earn cash rewards on purchases and cash rewards. Apart from these, chase credit card has no balance transfer fee for balances transferred during the introductory period and you have the privilege to apply online over a secure server. <br /><br />Although it offers a lot of advantages, bear in mind that a chase credit card it is still a credit card. And like any other credit cards, there are also a number of ways in which chase credit card usage can be less positive.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-32144311443830120252013-03-15T03:17:00.000-07:002013-03-15T03:25:33.826-07:00Credit Card Company That You Can Trust: Chase<div style="text-align: justify;">
If you are looking for a credit card company to give your business to, but are unsure of which one to choose, then you may want to consider Chase. They are known for being one of the <a href="http://makelovewiththelightson.blogspot.com/2013/03/learning-about-cash-back-credit-cards.html" target="_blank">best credit cards</a> around. They make applying for one of their cards very simple and there are no hidden charges. <br />
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When you sign up, they will give you all of the information about any charges that they may charge you. They do not have annual fees and offer a 0% <a href="http://makelovewiththelightson.blogspot.com/2013/03/building-new-credit-habits.html" target="_blank">interest introductory rate</a>. Also, Chase offers fraud protection, which is a very important thing to have these days. <br />
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It is so easy to apply for a <b>Chase credit card</b>. Applying on their website is simple, too. Their website is also a great place to learn more about their credit cards including the interest rates and pictures of each kind of card. <br />
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You can also pay your <a href="http://makelovewiththelightson.blogspot.com/2013/03/breaking-habit-how-to-stop-using-your.html" target="_blank">credit card bill online</a>. This is a fast and secure way for you to pay your credit card bill. If you do not have a <i>Chase credit card</i>, but have heard great things about the company, you can sign-up on their website. If you fill out the form correctly, then you could be a Chase member in just a few days. <br />
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Chase offers individual accounts and small business accounts. This is great for those of you who are looking for a credit card to start your small business. <br />
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<u>Chase credit cards</u> are accepted all over the world, so you do not have to worry about being able to use it on a trip abroad. Chase also gives their customers air miles for every dollar, so you may be able to take a vacation much cheaper than you think. <br />
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Recently, Chase has went through some bad press – mainly aimed at their customer service practices, but they have made strides to make their customer service better and to lower their interest rates. If you are looking for a credit card with a proven track record, then you will want to consider <a href="http://makelovewiththelightson.blogspot.com/2013/03/chase-credit-cards.html" target="_blank">Chase</a>.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-21121856416094604812013-03-15T03:15:00.000-07:002013-03-15T03:24:12.680-07:00Chase credit cards<div style="text-align: justify;">
Credit cards have become almost a necessity in today’s world. There are hordes of credit card suppliers who issue thousands of credits cards every day. Chase (of the JPMorgan group) are a well known credit card supplier. <b>Chase credit cards</b> are pretty popular among the masses. <br />
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Chase credit cards come with <a href="http://makelovewiththelightson.blogspot.com/2013/03/building-new-credit-habits.html" target="_blank">various different benefits</a> and accordingly chase credit cards are classified into various categories. There are general purpose <i>chase credit cards</i> which promise great rates and excellent service. Then there are <u>chase credit cards</u> for people who shop regularly with some retailers. These are termed as rebate cards since they offer rebates on shopping when you shop with certain retailers. These also offer cash rewards. There are entertainment credit cards for people who wish to get VIP access to some concerts, events etc. <br />
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Another category of chase credit cards is the travel cards where the credit card holders get travel related discounts and rewards. This category of chase credit cards is very suitable for people who travel a lot. Yet another set of chase credit cards is grouped as auto and gas cards which offer rebates and rewards on everyday purchases. Retail cards are another kind of chase credit cards where you receive points on purchases made using this chase credit card. </div>
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These points can then be redeemed for shopping certificates, entertainment etc. For students, there is a separate breed of chase credit cards which is called student cards. These student cards help the students in building a (good) credit history and also offer some <a href="http://makelovewiththelightson.blogspot.com/2013/03/learning-about-cash-back-credit-cards.html" target="_blank">special benefits</a> for students. Similarly there are college & university alumni cards for supporting your alma mater. There is another set of chase credit cards that operate on similar lines. </div>
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These chase credit cards are called ‘cards to support organizations’. The organization can be something like a charity or any other organization that you want to support. Then there are military cards that are meant for the members of military (both past and present). You can support your favourite teams or sporting organizations by getting a sports card. Finally, there are business cards which can be used by businesses for organizing their expenses, availing low interest rates and getting other benefits related to business. <br />
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Thus chase offers a lot of different credit cards which cater to the different needs of various people. By comparing the features of these chase credit cards and by understanding the main objective behind them, one can easily zero-in on the chase credit card that is best suited to ones needs. <br />
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Note: The information given in this article was correct at the time it was written. However, the author does not guarantee the correctness and completeness of this information at any time. </div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-43078097297818558362013-03-15T03:13:00.001-07:002013-03-15T03:13:17.142-07:00Learning About Cash Back Credit Cards: Good or Bad Idea?<div style="text-align: justify;">
Getting a credit card that offers cash back always sounds like a good idea. What could be better than getting cash back on all the purchases that you make with your credit card? It sounds too good to be true, doesn’t it? <br /><br />Well, there are cards that give you free cash, but it is usually only around 1% cash back. However, free money is free money, right? Well, sometimes. <br /><br />If you like to buy a lot of things in one month, this kind of credit card probably sounds great to you. However, you need to keep in mind that they are not going to give you cash back on every purchase that you make. Even if they claim to give you cash back on every purchase, they will only give you up to a certain amount per transaction. The company also has a strict limit on the amount that they will give back to their customers. If you read the little, bitty print on the form that you signed, you will see a paragraph with their limits in the terms and agreements. <br /><br />This is another way to try to draw in new customers for these companies. It is a <b>good credit card</b> to have and sounds great in theory, but they will have to check your credit rating before they will give you their card. <br /><br />Research different <i>credit card companies</i> to see what they are offering. You may be surprised to find a <a href="http://makelovewiththelightson.blogspot.com/2013/03/breaking-habit-how-to-stop-using-your.html" target="_blank">cash back credit card</a> that offers you just what you need and want with a high cash back percentage, few limits on the amount they will give you back, and instant cash deposits when you make each purchase with their card. <br /><br />Although these credit cards seem like a great thing to have, some companies will need your credit rating to be great too. However, there are <u>credit card companies</u> that offer these cards to people with a low credit rating to help them rebuild their credit. Research all of your options. <br /><br />What should your decision be? If you have a <a href="http://makelovewiththelightson.blogspot.com/2013/03/building-new-credit-habits.html" target="_blank">good credit rating</a>, then this card is a great option for you. Research different card companies – there are cards out there that offer you up to 3% cash back and impose very few limits. If, however, you have a bad credit rating, you may want to find a credit card that will help you rebuild your credit.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-61956193834342534982013-03-15T02:55:00.000-07:002013-03-15T02:55:10.671-07:00Building New Credit Habits<div style="text-align: justify;">
Repairing your credit entails getting rid of the <a href="http://makelovewiththelightson.blogspot.com/2013/03/breaking-habit-how-to-stop-using-your.html" target="_blank">negative credit report information</a> and catching up on your overdue bills. This could raise your credit score but might not be enough to make you credit worthy again. However, to raise your credit score high enough to entitle you to a loan, you have to rebuild your credits. Doing so would only prove that you have the capability to handle credit responsibility.<br /><br />Although it might be difficult to start, but once you achieve that momentum you need, you will be sashaying to a good credit score. You can always begin by developing the <b>required credit habits</b>.<br /><br /><i><b>The Do’s of Using Your Credit Card Wisely</b></i><br /><br />Although many people are born without the skill it <i>requires to use credit cards</i>, it is important to learn the rules of the game. All you need to do is to remember simple do’s and don’ts of credit card usage and in time, you would welcome healthy spending habits in your financial life.<br /><br />The first thing you do want to ever do is to use your credit card to make your everyday purchases, especially food, gas and clothing. It is bad enough not to have cash-on-hand but buying simple everyday items can develop into a habit wherein you may tend to substitute a credit card with cash. It is always<br />advisable not to take your credit card out of your wallet for everyday purchases but instead use your cash or a debit card.<br /><br />The next thing you do not want to do is develop a habit of making minimum-only payments. If you make minimum payments each month, you are only increasing the length of time it will take for you to pay off your debt. Additionally, it will also increase the amount of interest you could end up paying.<br /><br />If you are one of those people who usually buy things that are way off budget, remember not to use your credit card to buy things you cannot afford. One way to get into debt is living off <a href="http://makelovewiththelightson.blogspot.com/2013/03/borrowing-student-loans-responsibly.html" target="_blank">borrowed money</a>. You might end up waking one day realizing you are so much indebt that you wish to return your expensive<br />purchases back to wherever you bought them from.<br /><br /><b><i>The Do’s of Using Your Credit Card Wisely</i></b><br /><br />Learn how to make correct decisions when it comes to buying items you need against those you simply want. Everybody knows what a "need" is and what a "want" is. Remember not to substitute need from the want and vice versa. If you are using your credit card wisely, it only means that you are being responsible in recognizing what things you need and which you only<br />want.<br /><br />Next, always let your creditor know in advance if you would not be able to pay your monthly payment on time. Since most reditors offer assistance with your payment if you give them a heads up, it is important not to simply forget about the payment for no reason at all. You can do this by simply calling your creditor, explain the situation and ask if they allow late fees to be waived.<br /><br />Lastly, do not exceed with your credit limit. The safest is to stay within at most 30% of your credit limit. Because the major part of your credit score reflects on the quantity of debt you actually have, it is important to keep your balance low in order to preserve a good credit standing.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0tag:blogger.com,1999:blog-641183415510471451.post-17129124550401342622013-03-15T02:45:00.000-07:002013-03-15T02:46:10.589-07:00Breaking the Habit: How to Stop Using Your Credit Card<div style="text-align: justify;">
You know your debt is rising, but still cannot <b>stop using your credit card</b> for purchasing items. Several<br />
people get easily dependent on credit cards for everyday expenses and impulsive buys. The fact that<br />
you are borrowing money from the creditor for your purchase might be tempting, but the truth is: you must be able to pay it off on time. Neglecting those bills can cause headaches in the future. You might get malicious letters from your creditors, or even receive threatening telephone calls.<br />
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Close, Shred and Leave<br />
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If you really want to avoid those from happening all together or if you are starting to drown in your debt,<br />
you have to <i>stop credit card usage</i>. Fortunately, there are several ways on how to.<br />
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Firstly, many people would agree that closing your credit card account is the <a href="http://makelovewiththelightson.blogspot.com/2013/03/books-on-personal-loans.html" target="_blank">best way possible</a>. One and<br />
simple call to your cardholder is sufficient enough to inactivate your credit card. Doing so might even quiet down that nagging feeling and desire to purchase items using a credit card. Just think that there might be one situation wherein the clerk says your credit card has been denied; the embarrassment from that situation is reason enough for you to inactivate your credit card.<br />
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Shredding is also an excellent way to break the habit completely. You can use an office shredder since it<br />
works great on plastic as it does on paper. Since your credit card is shredded into pieces, there is no way<br />
that you can swipe it. However, if you do not have a shredder, scissors are great too. Just cut the card<br />
into small pieces and make sure that the credit card number cannot be identified by potential thieves.<br />
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Another excellent way to <u>stop using the credit card</u>, especially when you go out of the house, is to leave<br />
them. If closing or shredding is not your style, try taking your credit card out of your wallet when you<br />
are about to go shopping. In this way, if you have the urge to buy something you really do not need, you have to think twice before buying it since you are about to use your own money.<br />
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The Shock and What Your Can Do About It<br />
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You have been using your credit card for your expenses but have you ever thought about the total amount of cash you spend in interest alone each year? More so, the duration of time it will take you to just pay off your credit cards might shock you. It is all about the numbers and these will put you into shock and can make you think twice before using that credit card again.<br />
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For instance, if you have a balance of $1,000 and an interest rate of 14%, it will take you about four and<br />
a half years before you can pay it off; that is, if you are making $25 in payments every month. By the<br />
time you pay off the balance, you will have paid a total of $347.55 in interest.<br />
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Since you know what credit cards can do, you might want to stop using it once and for all. Learn how to<br />
say "no" since this kind of discipline can help you stop impulsive buys, thus <a href="http://makelovewiththelightson.blogspot.com/2013/03/borrowing-student-loans-responsibly.html" target="_blank">stopping the use of creditcards.</a> Always think twice about swiping that credit card for your purchases and you would not have to<br />
think about repairing your credit in the future.</div>
Anonymoushttp://www.blogger.com/profile/18135542807012419645noreply@blogger.com0