debt

Happy Holidays

December 25, 2009

May 2010 bring you High Income, Low Debt and Perfect Credit! And may all of us enjoy a totally recovered and expanding economy in 2010. Merry Christmas and Happy New Year! Tweet

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Is Debt Consolidation A Good Solution For You?

December 23, 2009

Debt consolidation is often a great solution to help get your personal finances back on track. With all of your bills combined into one easy payment it can be easier to get ahead because you end up having more discretionary income. Take this short quiz to see if debt consolidation can be a good solution [...]

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Evaluate Your Debt

December 22, 2009

Do you know what your debt to income ratio is? This is an important factor when it comes to gaining control of your finances. Check out this handy debt evaluation tool. Just plug in the numbers and learn where your finances may need extra attention. Tweet

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Improve And Repair Bad Credit

December 17, 2009

For most people in life the major financial purchases like buying a house or a car require credit. Of course, in order to be approved for credit you must have a good credit score. Life and finances both tend to be less expensive and much easier when you have a good credit score. But what [...]

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Salvation Army Now Taking Credit Cards

December 12, 2009

No Change?…..No problem! Coming to a city near you….. the traditional red kettles and bell ringers of the Salvation Army will soon be able to take your credit card in addition to the typical cash donation. When they tried it out in a couple of cities the average donation rose from about $2.00 to $15.00 [...]

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The True Meaning Of The Holidays Sans Credit Cards

December 11, 2009

In this holiday season of 2009, more and more people are putting away or even cutting up the credit cards and using cash to purchase holiday presents. Right now many credit cards issuers are raising rates and lowering credit lines. The average credit card interest rate for Americans right now is 13.71% up from 11.88% [...]

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Paying Down Debt

December 10, 2009

A key component of credit repair is often to pay down your debt. After all, a large portion of your credit score is attributed to the debt ratio or the amount of debt you have accumulated compared to the credit limit you have. I recently came across a great article about 6 Powerful Strategies To [...]

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Scrooge And The Holidays

December 10, 2009

In a thought-provoking and well-timed book about the Holiday season and the traditions of giving gifts, economist Joel Waldfogel makes an impassioned argument against the giving of gifts for the holiday season in his appropriately titled book “Scroogenomics: Why you shouldn’t buy gifts for the holidays”. A main argument is that most gifts are not [...]

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Deceptive Money

December 9, 2009

Bob Brooks, a 17-year veteran of the financial services industry, has written a new book about avoiding debt and credit problems and traps. “Deceptive Money: A step-by-step guide to take your life back from the credit trap”, now available at book stores everywhere, talks about the “biggest financial crisis to face the American consumer since [...]

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Debt Consolidation For Problem Credit

December 8, 2009

There are various ways for an individual to handle debt problems. There is always the legal option of bankruptcy but a person may want to consider debt consolidation, debt settlement programs or credit counseling programs first. Debt consolidation refers to the act of taking out one loan to pay off many other debts. This loan [...]

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