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Articles in Home | Finance | Personal Finance
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- How Much Is a Ton of Interest? By : Michael Killian
Have you ever asked yourself why there always seems to be too much month left over at the end of the money? This article attempts to explain that monthly crisis by exploring how we have been lulled into thinking in terms of "monthly" instead of "total" cost. - Grading Campus Credit By : Michael Killian
As an avid consumer advocate in the field of credit and debt management, I have been opposed to unleashed campus credit for years. - Fundamentals of Paying Your Debts By : Michael Killian
Okay, you feel your debt is out of control and it is too late to say, "I wish I had taken action sooner." What do you do? First of all you don't panic and you keep things as simple as possible. Secondly, look to see just how bad it really is. Third, decide which of 4 actions to take with your debts: - FREE Annual Credit Report By : Michael Killian
Would FREE copies your credit report be of interest? If you are committed to repairing your credit or simply want to know what is on your credit report, I have good news for you. A free copy of your credit report is available to every consumer annually. This article discusses the free report as well as repairing your credit report once you have your credit file on hand. - Divorce, Debt & Credit... Facts you need to know By : Michael Killian
Before a divorce, during, and after getting a divorce you need to concern yourself with credit... credit establishment, credit files and credit scores. Though divorce and credit is a concern for both men and woman, woman tend to have the greater credit difficulty due to societal standards. Therefore, I encourage woman of any age or marital status to learn as much as possible from this and other articles. - Debt Priority - Emergency Hierarchy of Debt By : Michael Killian
What do you do when all of a sudden the month is just beginning and the $$$$'s are
gone? You put the emotion away and get crackin' with bill priorities and some cold hard facts about your bills... and maybe even the priorities in your life. Believe it or not, some bills are definitely more important than others. Don't forget, this is an emergency. - Debt Destroyed By Magic Bullet By : Michael Killian
You can eliminate all debt in the fastest possible time by starting an avalanche.I recognize that starting or getting caught in an avalanche probably would not be your idea of an enjoyable time. But what if I told you that the principles of an avalanche are very similar to the principles used to eliminate all debt in the fastest possible time-frame. - Credit Scoring Basics By : Michael Killian
What is a credit score? Is there a good or bad side to credit scoring? How is a score calculated? What is "FICO"? What are the benefits of credit scoring? What are the down sides? - Credit Cards – They are Just Like Drugs By : Michael Killian
Credit cards are just like drugs. There is no better analogy. They offer short-term pleasure and long-term pain. They give the illusion of having more money than you actually do. Then you live with less because each month a portion of your income is siphoned away paying past credit debt. - 40% Tax-Free Pay Raise By : Michael Killian
If you are an employee, you can get a 40% pay raise without ever asking the boss. And it's all tax-free. Similarly, if you are an employer, you can show each of your employees how they can earn a 40% pay raise and it won't cost the employer a thing. Before writing me off as being a pair short of a full deck, read on. - 5 Proven Steps To Budget Motivation By : Michael Killian
If you ever wanted to get ahead financially… if you ever thought you wanted to get out from under a sea of debt… if you ever wondered where the money went… YOU NEED A BUDGET! But how do you develop a good budget and how do you stick with it? - Personal Finance - an integral part of our lives. By : Liza
I personally believe an understanding of Personal Finance should be a more integral part of our lives. However, it can intimidate us. I see it for myself every day when reading emails as an editor of a personal finance comparison site. - A merry Christmas and a skint New Year? Time to think again By : Adam Singleton
The meaning of Christmas is changing, with stress, overspending, debt and other worries including ethical concerns at the forefront of many people’s minds. Being sensible with cash and considering what you really want can save money and woe. - Making the Most of a Pay Rise By : Adam Singleton
Everyone loves a pay rise, but not many people give proper consideration to how it can help them, either in the short or the long term. However, that extra amount of money could come in very useful. - Excellent Cure for Extravagance, and Especially for Mistaken Economy. By : Reginald Curtis
When you find that you have no surplus at the end of the year, and yet have a good income, I advise you to take a few sheets of paper and form them into a book and mark down every item of expenditure. Post it every day or week in two columns, one headed “necessaries” or even “comforts”, and the other headed “luxuries,” and you will find that the latter column will be double, treble, and frequently ten times greater than the former. - Personal Bankruptcy - Leads to Loosing Future Credits By : James Arther
Personal bankruptcy is a financial term used for filing bankruptcy as an individual under chapter 7,11,12,13 of the bankruptcy code. But the chapter7 is quite commonly used for availing relief. - Student debt: simple steps to help the cash flow before that dream job! By : Andrew Regan
Debt is a fact of life for most students, but it’s how it is managed that will dictate whether it spirals out of control or if it’s paid off gradually over a period of time. The interest payable on credit cards is capable of crippling the most careful of borrowers, which is why it’s always best to shop around to ensure no more is being repaid than is absolutely necessary. - Using Chapter 13 to Prevent Seattle Bank Foreclosures By : resolve01
You’re not alone, especially if you have an adjustable rate mortgage. According to a study by research firm First American CoreLogic, 1.1 million additional home foreclosures are expected between 2007 and 2013. Many Seattle bank foreclosures will involve adjustable-rate mortgages that reset to higher payments. - Getting Rid of Bad Spending Habits By : Andrew Regan
Humans are habitual animals, and that can spell disaster when it comes to money. Learning how to change bad habits for good ones can lead to financial prosperity. - First time buyers feeling the pinch By : Andrew Regan
Rising costs and the threat of falling house prices are driving first-time buyers from the housing market, leading to the Council of Mortgage Lenders to call for a Bank of England interest rate cut to help attract them back. - Plastic fantastic – the prepaid way By : J Tillotson
The new thing taking the personal finance world by storm is the pre-paid credit card. It’s the best way to pay for goods with plastic if you’ve got a bad, or no, credit history, or if you simply don’t trust yourself with a credit card. - Before You Fall Into a Debt Trap : Get Help By : AjeetKhurana
It is not the end of the world. But getting into a debt trap is no fun either. So, get help while you still can. - The Aftermath of a Poor Credit History By : AjeetKhurana
A bad credit history is a bad thing to have, but it is not the end of the world. Learn how you can make the most of a bad situation. - Irresponsible Borrowing Means Wary Creditors By : AjeetKhurana
In order to get a loan you must act responsibly. What do creditors consider responsible behavior? - Overdraft Agreements: A Finance Alternative After Bankruptcy By : Amanda Hash
Overdraft agreements, an effective tool for those who have gone through bankruptcy, have bad credit or financial difficulties, since they can repay whenever they can, stopping interests from accumulating and contributing to your credit recovery. - Online banking booming, despite fraud fears By : Paul McIndoe
Many banks, building societies, brokers, intermediaries and other financial institutions have invested heavily in their online presence, meaning that you can shop for every financial need from the comfort of your own home, or office and over the past year usage has boomed, especially amongst the elderly. - Avoid Bankruptcy - Find Solution to Your Debt Problems By : James Arther
Avoid bankruptcy as the term implies advises you never fall into debt trap, which you cannot manage with your income, as this is a blind alley with possibility of no return. - The Flexibility you Need: Benefits of Home Equity Lines of Credit By : Mary Ann Wise
When considering sources of finance, home equity loans and home equity lines of credit stand out as the cheapest and more flexible financial options. - Britons should haggle more aggressively By : Andrew Regan
Recently conducted research has revealed the importance of haggling in order to bring down the cost of buying a new car - and also the benefit of finding a cheap personal loan in order to finance this purchase. - Don’t give fraudsters a very merry Christmas! By : Adam Singleton
Fraudsters love Christmas, as it is the time of year when we spend more, especially online, which gives cyber criminals more opportunity to get hold of shoppers’ credit card details. Make sure you do all you can to prevent that happening. - Ensure To Pay Off Payday Loan In Time By : James Arther
Payday loan is a short-term loan and is meant for people who need cash in unforeseen circumstances to meet their immediate expanses. - Retire Early And Quietly - Possible? By : jomend
The key statistics about early retirees have swelled to a substantial proportion, meaning so many are calling it quits and they can do it. We drool over the possibility of early-out and we see it happen prominently in our midst. How so? Can we, considering our relevant circumstances, retire early to our visionary oasis? - Las Vegas Bankruptcy - An Option to Resolve Financial Crisis By : James Arther
Las Vegas bankruptcy is a term used in financial circles to quote the percentage of bankruptcy cases dealt under chapter 13 of bankruptcy code in Las Vegas city, where emphasis is more on recovery than on writing off the credits. - California Bankruptcy - Credit Score at Stake By : James Arther
California bankruptcy is a term used in financial circles to quote laws in vogue in California City for dealing cases of bankruptcy under uniform federal laws falling under chapter 7,9,11,12,13 of bankruptcy code. - New York Bankruptcy - Repay Debts Under Court Protection By : James Arther
New York bankruptcy, relates to cases of bankruptcy reported from New York City and how such cases are being dealt by US federal courts under chapter 7,9,11,12and 13 of bankruptcy code. - Bankruptcy - Can Ruins Your Credit Rating By : James Arther
Bankruptcy, in simple language means insolvency i.e. a person is no longer in a position to repay his debts. Such a situation arises when liabilities exceed assets and therefore you have no assets to repay your debts. - Britons suffer in Cost-a-lot Britannia By : Andrew Regan
The most advantageous savings accounts will be highly sought after in the wake of news that the average consumer costs are rising faster than average earnings. - Saving for that special day: a hitcher’s guide to a debt-free wedding By : Andrew Regan
Many young couples don’t have the financial support to help them as they look to tie the knot. But married life doesn’t have to begin with debt if proper care is taken to prepare and plan the wedding properly. - Wise up when it comes to online & identity fraud By : Andrew Regan
If you are worried by the recent security breach at the HM Revenue & Customs, or the fraudster who infiltrated Tesco’s call centre, then ensure you are protected by choosing accounts that offer online & fraud protection - Britons are tightening their fiscal belts By : Andrew Regan
Higher interest rates mean that Britons are beginning to save more and borrow less, it has been found. - Young people are not saving enough By : Andrew Regan
Rising house prices and augmenting student debts are making it increasingly difficult for young people to save for the future - Britons spend today and forget about tomorrow By : Andrew Regan
A carefree attitude means many Britons are not saving enough, it has been claimed. - Bad credit personal loans: the solution for those in financial troubles By : Melissa Kellett
Many financial difficulties can force someone to borrow money and this situation if uncontrolled can submerge someone into debt, especially if you fail to repay your debt. This scenario can lead to a bad credit record which will heavily compromise your ability to obtain finance. However, a bad credit personal loan can bring relief to someone in this situation. - Ditch drab December and say 'felice anno nuovo' to Rome By : Andrew Regan
New Year's is a great time to visit Rome and get a real feel for the city and its nightlife, with lots of parties and events suitable for all ages. Varied cultural, culinary and accommodation options are available all over the city. - Is debt a sensible way to tide parents over? By : Andrew Regan
Babies are forcing parents to take out loans, it has been revealed - and so the importance of choosing the most appropriate product has been emphasised. - Managing your personal finances online By : Clinton Lew
Many have problem managing their finances. Maybe it's because they simply are not exposed to the methods available. With the internet, anything is possible now. By searching the right keywords, there are many financial planning calculators available online. - Students need more funding By : Andrew Regan
The higher cost of going to university means more and more students are struggling to get by on their student loans alone - meaning they have to work, visit the 'bank of mum and dad' or take out a bank loan. - Make it Automated By : Justin Lukasavige
My wife will be the first to tell you that I am pretty darn lazy. While I do not have much downtime in my day, she knows that while I’m working, I’m doing it as efficiently as I can. I call it… being efficiently lazy. - Is The Time Right To Switch Your Current Account? By : Nicholas Hunt
The range of facilities offered by current or checking accounts has improved dramatically over recent years, including such benefits as higher interest earnings and cheaper overdrafts. Isn't it time to see if you could improve on your existing account? - Yummy mummies need a healthy savings account balance By : Andrew Regan
It seems that being a mother is an expensive business - and especially so if mums-to-be have aspirations to be a 'yummy mummy' complete with designer baby clothes and Bugaboo pushchairs.
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