1.||Credit Counseling Or Bankruptcy: Which Is Best For You?|
People often get to a place where they simply can't pay their bills, especially in today's economy which is not particularly sympathetic toward the poor or even the middle class. Inflation has impacted nearly every facet of daily life including food, gas, rent, ...
[Added: 13 Sep 2005 Hits: 281 Words: 813]
2.||Should I Pay Points?|
To pay points or not to pay points, that is the question. Before answering the question it is first important to understand what exactly points are. A point represents 1% of a home loan. For example, a $100,000 home loan would equate to each point being $1,000. A home ...
[Added: 13 Sep 2005 Hits: 284 Words: 642]
3.||Credit Reports And Credit Reporting Agencies|
We all know that our financial transactions are reported to credit agencies that track how well and how quickly we pay our debts and that when we apply for a loan for one reason or another, those agencies report our credit history to prospective lenders. However, most of ...
[Added: 13 Sep 2005 Hits: 232 Words: 793]
4.||Mortgage Payments vs Rent Payments|
There is an age-old debate on whether or not it makes more sense for people to rent or buy. Though it is hard to really understand why there is a debate at all. You will definitely hear arguments from ...
[Added: 13 Sep 2005 Hits: 249 Words: 788]
5.||No Money Down Loans|
You want to buy a home but you do not have money for a down payment or for closing costs? Well, just forget it. At least that is what you have probably been told by people who think they know what they are talking about, but ...
[Added: 13 Sep 2005 Hits: 212 Words: 763]
6.||Home Loans - Dispelling The Myth|
You have undoubtedly heard a plethora of advice when you mentioned you were considering buying a home. Everyone probably had an opinion, they always do. Some very well intended people probably gave you the worst advice you could possibly have received but you would have know way of knowing ...
[Added: 13 Sep 2005 Hits: 221 Words: 744]
7.||Home Equity Loans - Friend Or Foe?|
Home equity loans are advertised on the airways, newspapers, magazines and just about anywhere else a homeowner may see or hear the advertisement. Some people feel that home equity loans are trouble waiting to happen. Others feel that home equity loans are a key to opening a ...
[Added: 13 Sep 2005 Hits: 197 Words: 731]
8.||Choosing The Right Lender|
The real estate market has been hot for many years. The real estate market stayed hot even though the economy has been on a virtual roller coaster. This has resulted in a large number of mortgage lenders entering the market with varying mortgage programs for people ...
[Added: 13 Sep 2005 Hits: 246 Words: 903]
9.||Basic Home Loan Terms Explained|
The wonderful world of home buying can sometimes overwhelm the first time homebuyer. They are inundated with information riddled with terms of art. ARMS, points, interest rates, good faith estimates, pay-downs, lock-in dates, so on ...
[Added: 13 Sep 2005 Hits: 179 Words: 912]
PMI - a recurring, monthly, unwelcome guest. It sounds similar to and is about as welcomed as a similar acronym. PMI is private mortgage insurance. This insurance policy is paid for by the homebuyer when the amount of their primary mortgage is ...
[Added: 13 Sep 2005 Hits: 306 Words: 849]
11.||Shopping For A Payday Loan|
You wouldn't consider buying a new pair of shoes, a bicycle helmet, or an extra pair of jeans without trying them on first to make certain they fit. After all, a pair of shoes that is ...
[Added: 08 Sep 2005 Hits: 197 Words: 898]
12.||Adjustable vs Fixed Rate Mortgages|
Mortgage rates can either be fixed for the duration of your loan or can be adjustable. An adjustable rate mortgage is a loan that is set up with an interest rate that changes based on pre-determined criteria, primarily tied to ...
[Added: 08 Sep 2005 Hits: 218 Words: 845]
13.||Why You Should Refinance Your Credit Card|
Getting the Right Rate Can Save YOU Thousands
A credit card debt can be like the worst sort of trap. Like a wound that won't heal, a monthly minimum payment – with ceaseless regularity and endless strain on your budget – leaves ...
[Added: 08 Sep 2005 Hits: 228 Words: 823]
14.||Top Ten Tips Pitfalls Of Credit Cards|
Dodging through the Hazards and Ensuring YOU Have the Right Deal
A credit card can be amongst the most important tools you'll ever have at your disposal. By offering you easy, flexible and sometimes relatively cheap spending power it can be used to spread the ...
[Added: 08 Sep 2005 Hits: 240 Words: 907]
15.||The Revenge Of The Consumer|
Making a Tidy Profit From the Credit Card Companies
How many hundreds – even thousands – of dollars have you paid over the years to banks, credit card companies and other financial institutions in interest payments and other monthly charges? ...
[Added: 08 Sep 2005 Hits: 262 Words: 997]
16.||Top Ten Tips For Getting The Right Credit Card|
Dodging through the Maze and Getting The Best Deal Going
Purchasing any financial product can be a difficult matter. The marketplace is one fraught with complications and offers are thrown your way from all directions. Sometimes it ...
[Added: 08 Sep 2005 Hits: 250 Words: 1089]
17.||Making A Credit Card Work For You|
Boosting Your Credit-Rating With A Well-Managed Credit Card
A considerable obstacle standing between many Americans and the consumer goods they consider a necessary or desirable part of life is a ready way to pay for them. From a new piece of furniture to a ...
[Added: 08 Sep 2005 Hits: 240 Words: 825]
18.||Credit Card Lingo|
Knowing What's Out There – And What To Choose
The World of finance can be a tricky game for both the seasoned veteran and the novice borrower. Banks can – by accident or design – make even the most simple information ...
[Added: 08 Sep 2005 Hits: 258 Words: 893]
19.||How To Get A Great Credit Card With Bad Credit|
Credit Cards For Consumers with Poor Credit Ratings
Ever wondered how and why you can go online and be approved for credit within seconds? Or receive a pre-qualified loan or credit card without anyone asking how much money you make? Or why one interest rate is made available ...
[Added: 08 Sep 2005 Hits: 309 Words: 913]
20.||Credit Cards - The Basics|
How Lenders Operate – And How They'll Make a Tidy Fortune from the Unknowing
Credit card companies might seem like immensely clever, money making enterprises that exploit every loophole to maximize the interest payments – and profits – they are ...
[Added: 07 Sep 2005 Hits: 224 Words: 808]
21.||Boosting Your Credit Score To Get The Best Credit Card Deal|
Making Your Credit Rating Work For You
One of the basics of getting the most competitive credit card deal in the market is to ensure you have the best credit record possible. Few of us are lucky enough to be earning a six-figure salary, ...
[Added: 07 Sep 2005 Hits: 268 Words: 996]
There are a number of ways that people can use to manage money to stay out of debt and even establish savings over time.
Establish a Budget
The first, and maybe the most important step, is ...
[Added: 07 Sep 2005 Hits: 318 Words: 1013]
23.||Managing Credit Cards Effectively|
Credit cards are almost a necessity in today's society. It has become harder and harder to get through life without plastic. If you want to make purchases over the Internet, guarantee a hotel room, or ...
[Added: 07 Sep 2005 Hits: 208 Words: 860]
24.||Industry Regulation And Recent Legislation|
A number of states from coast to coast are attempting to impose further regulations on the payday loan industry, but without much success in many cases. Consumers of payday loans have generally argued against more stringent measures and limitations, that would limit their access to payday loans. ...
[Added: 07 Sep 2005 Hits: 247 Words: 777]
25.||Repairing Your Credit|
We live in a consumer society where it seems like more attention is paid to your credit record than to your criminal background. Credit has been elevated to a position where it permeates every factor of a person's life and has ...
[Added: 07 Sep 2005 Hits: 216 Words: 937]
26.||Payday Loan Terminology|
Sometimes, the terms associated with payday loans, or any other loans for that matter, can be confusing and difficult to interpret. The purpose of this directory is to help assure that anyone who is shopping for a payday loan ...
[Added: 07 Sep 2005 Hits: 191 Words: 915]
27.||Payday Loan Advantages|
In the past few years, advertisements for payday loans are popping up everywhere – on store signs, in newspapers, on billboards, and especially on the Internet. Some payday loan companies advertise by direct mail, so you may even see ads arriving in your own mailbox.
[Added: 07 Sep 2005 Hits: 183 Words: 880]