Times are tough: falling home values, rising unemployment, waning confidence among both consumers and businesses. You may be one of the millions of Americans who are spending less. On the up side, since the Federal Reserve keeps slashing interest rates in hopes of jump-starting the economy, there are steps you can take to boost your [...]
Most Americans have been affected by the present difficult economy and are struggling to make ends meet. If you are among the many families coming up short every month, you may be tempted to borrow more to get those things you feel you must have. As difficult as it may get, don’t fall into this trap, [...]
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It seems that the government bail out has been put into action prematurely. Why would you bail out credit card companies and then allow the company rescued by tax payers to then turn around and create more of a problem for consumers holding credit card debt? Lawmakers in congress should have passed laws with new [...]
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Debt Settlement, or debt negotiation, is the act of contacting your creditors and negotiating a lump sum payoff of your debt. If you are behind on paying your debts, sometimes you will even get a letter from the creditor directly offering a settlement amount of around 50% of your balance if you pay them in [...]
Different Types of Credit Cards and Features The more credit card companies appear on the market, the more credit cards you have to choose from. Although they offer a huge range of different deals, you need to look for the one and only that will work best for you. Let’s now consider some major types [...]
Now a days, renting makes more financial sense than homeownership. Basically, houses produce poor returns over long time periods while stocks and other investments produce good ones, and the outlook for houses is especially poor now, so it makes more sense to rent cheaply and funnel any extra cash into something other than a house. [...]
Judging from the amount of junk mail out there, not every company is suffering a financial crisis. Some credit card companies are still looking for new customers. With interest rates in flux, now is the time to review the difference between legitimate credit card offers and those that are unsavory. First off, don’t fish a credit card offer [...]
Your wedding is not just another party to enjoy. Every couple, as well as everyone associated with them, wants to cherish each moment associated with their “big day”. People want to celebrate in a way that they can remember for years to come. If lack of money is stopping you from hosting a wedding ceremony [...]
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It seems like everywhere you go, there’s another retailer trying to get you to apply for a credit card. “Apply now and save 10%”, “Open an new account and get 20% off today’s purchase”. Don’t fall for the gimmicks. Because of high interest rates, nine times out of ten, you’ll end up spending more than [...]
Christmas is just around the corner, and you may be planning your holiday activities and making a list of people that you plan to give a gift to this year. If you are planning on using your credit cards to fund your holiday celebrations this year, think twice. Credit card debt is the most expensive [...]
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