Debt

Most people have entered a retirement plan to save some cash for the future. When you have a 401 (k) account, your contributions to your retirement plan are automatically deducted from your bank account when your monthly salary is remitted. On the bright side, your employer is legally bound to match your contributions to help […]

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In a perfect world, you’d never have to look to financial products like loans and lines of credit to stay afloat or evolve as you run your business. Ideally, you’d rather have the capital to handle financial emergencies and ventures without assistance. However, if you’ve been an entrepreneur long enough, you know that cash rules. […]

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At some point in their lives, most people find themselves in a situation when they really need money. Many are fortunate enough to be able to borrow on their good credit through traditional loans and credit cards. For others with poor credit or without income, it is much more difficult. This post will address what […]

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When it comes to investing in real estate, its not always easy to get a traditional mortgage to finance your purchase. That’s why it makes sense to consider these other, non-traditional ways to purchase real estate. Seller Financing. If you can’t get a mortgage company to back your purchase, try getting the seller of the […]

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How to Lower Your Debt Burden

by on June 26, 2014

In many countries, the only solution to deal with a smothering load of debt is to take extreme measures like bankruptcy.  However, there are less extreme measures you can take that are not as harsh on your credit and still allow you to work yourself out of debt over a much shorter timeframe than you […]

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Are you putting of saving for your retirement until your 30s or 40s when you’ll be “making the big bucks?” It’s fine if you are – just expect to have a pretty sad/old retirement. That said, if you start cutting budgets now and finding ways to save (regardless of age) you fill find that the […]

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Is moving away from your hometown a stressful experience? How about leaving behind family and friends for a new city where you know no one? Starting a new school? New job? Sometimes going to college means all of those at once. To top it all off, the financial strain is enough to push a college […]

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First and foremost, make it your biggest priority to not borrow money to go to school.  Loans can- and do- add up very quickly, and you can be in over your head before you even knew you were swimming, especially if you don’t pay attention to what kind of loans you are accepting.  It is […]

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How does a reverse mortgage work – Seniors in or near retirement are becoming curios about the reverse mortgage program, those who are 62 years or older will be able to access their home’s equity though the HECM reverse mortgage. Reverse mortgages how they work – the reverse mortgage programs are for seniors who own […]

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Should You Take a Hard Money Loan?

by on January 20, 2012

There may come a time in your life when you really need or want some money and traditional lenders have turned you down.  Maybe you’ve even thought about getting a quick loan from one of those local payday loan stores?  Well, if you have real estate, or are using the money to buy real estate, […]

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What is a Good Credit Score?

by on October 18, 2011

Believe it or not, experts don’t agree on what defines a good versus excellent credit score.  In fact, the methodology to calculate a credit score is so top secret that experts can only guess at the factors that contribute to increasing your credit score.  With that said, we’ve done a lot of research, taken notes, […]

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Some people may assume debt is something that affects younger people – and in many cases, it is – but the older generations are by no means immune to problems with debt. Many people approaching retirement age experience problems too, and when you only have a few years of full income left, this can be […]

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Debt consolidation loan may come in your mind as an option to get rid of your debt. There are many people who consider a home equity loan or a second mortgage loan for getting out of their loans as this enables them to convert the debt payments into a single payment. It not only lowers […]

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Credit card debt settlement is a procedure to pay less credit card debt than the actual amount. Though, it is not considered as a good option on the list of preferred debt solutions, but still it is a very effective way to avoid bankruptcy as it allows you to pay lesser amount. Basis of Credit […]

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One question that arises in a debtors mind when we talk of debt settlement is the right steps for choosing a debt settlement company. You need to know that you can settle your pending debt on your own if you can spare the important time and have the best debt settlement know-how. Of course if […]

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For an individual or enterprise, settlement of accumulating debts is a cumbersome procedure and requires a detailed study and understanding on the procedures involved in debt settlement. Learning how the debt settlement process works is essential in order to avoid the usual limitations and pitfall associated with debt settlements. Once a clear understanding on the […]

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In order to have sufficient savings for the long run, you need to get rid of your credit card debt. The longer time you take in making the payments the greater is the interest rate you have to pay. Therefore, the huge payments leave no stone unturned to stall your growth and also take a […]

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How to Live Debt Free

by on February 9, 2011

A debt free life is very easy to maintain. When you learn to pay only the utility bills, then it is very easy to maintain debt.  There are few points mentioned below which can help you to maintain a debt free life. Stop Adding Your Debt: Do not add more debt to your existing one. […]

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Dangers of Debt Settlement

by on February 7, 2011

Debt or Credit settlement is an act of negotiation. This negotiation is done between debtor and creditor. This article deals with the procedure of the debt settlement and things you need to be careful about during the settlement. The Entire Procedure What you should do? You can call for a debt settlement company and explain the agents […]

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How to Consolidate Student Loans

by on December 22, 2010

After graduating from college, you may have the opportunity to consolidate your student loans, in case you are eligible for it. The option is available only once, hence it should be handled carefully. This thing should be kept in mind that consolidating your student loans with your spouse student loans is not a good option […]

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Owning a home can be the biggest and sweetest dream one can possess. But what if that very home can give you surplus cash to use and grow it manifold somewhere else. Taking a loan against your home is one of the most important decisions you can make. This article deals with the smart tips […]

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Are you going through credit card debt? Then, have a look at your expenses you squandered money wastefully. This would help you protecting from landing into another such scenario. Analyze the mistakes you have made and learn lessons from them. Here are some blunders, which often overloads the store of debt. 1. Ignoring credit reports, […]

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