Wednesday, April 30, 2008

In the United States, your credit score is everything



In the United States, your credit score is everything. It is something that you should take care of or if you dont, getting a phone, cable or gas line hooked up in your home can be difficult to do. There are also certain companies that take a look at your credit score first before they even hire you. Even if you are qualified to do the job, a low credit score can ruin it all for you.


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Credit cards normally have an annual interest rate between 18% and 24%



Credit cards normally have an annual interest rate between 18% and 24%. If you make only minimum payments you will be still paying on them in 30 years. When you take advantage of the services of a credit card counseling debt consolidation non profit company you will be able to reduce your interest rate and eliminate late fees in some cases. Your creditors will get their money and you will save or at least repair your credit rating. Everyone wins and you will reduce the length of time it will take to get out of debt.


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Tuesday, April 29, 2008

More news for you




Say no to tax-rebate gift cardsHand over your check to a retailer and you'll get a 10% bonus to spend. It's tempting. But wouldn't you rather buy your freedom than power tools or a few extra groceries?Foreclosure nearby? It's your problemThink the foreclosure crisis isn't your worry? Think again. If your neighbors lose their houses, you can expect more broken windows, drugs and crime.Should parents bail out their kids?They're always your children, even long after they're adults. Saying no might be one of the hardest things you could do -- and possibly the smartest.Will medical bills ruin retirement?Projections of how Americans will fare in retirement don't even include their huge health-care costs. The bottom line? You need to take action to cut your risks.
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Thursday, April 24, 2008

These are some of the reasons why having a good credit score is very important in today"s society



These are some of the reasons why having a good credit score is very important in today"s society. However, what if you have a bad credit score? If you have a bad credit score, it is very important to repair it as soon as possible. There are several ways that you can repair your credit score.


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Tuesday, April 22, 2008

More news for you




Should parents bail out their kids?They're always your children, even long after they're adults. Saying no might be one of the hardest things you could do -- and possibly the smartest.Will medical bills ruin retirement?Projections of how Americans will fare in retirement don't even include their huge health-care costs. The bottom line? You need to take action to cut your risks.Job at risk? Save your insuranceIf your job is even slightly shaky, now's the time to schedule a medical checkup, get your teeth fixed and look into coverage alternatives.Your magic number for retirementA new calculator reduces all your retirement planning to a single figure. It's a handy and useful guide, but can you handle the answer?
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This is why it is very important to make positive reports for your creditors to make to credit



This is why it is very important to make positive reports for your creditors to make to credit reporting agencies. So, remember to pay your loans and credit card bills on time in order to get a good credit rating. By doing this, you will eventually end up with a good credit score and history and never miss out on future financial opportunities that may cross your path.
Credit Score Rating Scale: How It Is Done and What It Does To You


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Thursday, April 17, 2008

Don’t be desperate; it"s not the end of the world



Dont be desperate; it"s not the end of the world. It"s but natural to incur expenses as you go on with your daily life. Most especially now that almost every price of an item you need is soaring high. This is one reason why people find loans, credit cards, and other credit transactions more attractive.
Transactions involving credit is not that easy to apply for, you will need to have a good credit rating based on your credit report. Your credit report holds your credit score, or formally known as the FICO score.


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Before you send any money to a non profit debt consolidation program, make sure you are working



Before you send any money to a non profit debt consolidation program, make sure you are working with a reputable company. Just like every other business out there it is possible to find some bad eggs. You need to be clear on the exact amount they will charge you to perform this service. You also need to be sure they will have your payments in to the creditor in time. You are trying to repair your credit, not make it worse.


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Tuesday, April 15, 2008



More news for you




148th Edition of the Carnival of <b>Personal Finance</b>!Welcome to the 148th edition of the Carnival of Personal Finance! I am beyond honored to be your host and had a great time reading through all of the excellent articles submitted. Let me tell you, being this is the first carnival Ive ...RPMs Ver 1.0.51 released (Mjrz.net <b>Personal Finance</b> Manager)Total project downloads to date: Project description: Mjrz.net is a free, open source Personal finance software application. It is designed for home and small business users with simple interface and fast user interaction. ...<b>Personal finance</b> commitments rise 0.9%Total personal finance commitments rose 0.9 per cent in February, seasonally adjusted, to $7.451 billion, the ABS said.are American kids stupid about <b>personal finance</b>?High school seniors, on average, answered correctly only 48.3 percent of questions about personal finance and economics, according to a nationwide survey released Wednesday by the Federal Reserve. That was even lower than the 52.4 ...Retirement Planning and Your <b>Personal Finance</b> SkillsBelow is the first of a three part quiz published by the Federal Reserve to help tally your personal finance, economic, and investing skills. There is no reward for right answers. In fact, I have taken the answers below and added ...Construction Industry Facing a Big -- and Green -- Leap ForwardDemand for greener buildings and some remarkable innovation in design tools will create huge opportunities in construction trades -- and make it cheaper to be enviro friendly.
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Saturday, April 12, 2008

• If you have a credit score of more than 700, you are eligible for a loan with the best interest



If you have a credit score of more than 700, you are eligible for a loan with the best interest rate under excellent terms.
If you have a credit score of between 640 and 700, you will be able to qualify for 125 percent of your preferred loan.
If you have a credit score of between 600 and 640, you will be able to get your preferred loan without making down payment.
If you have a credit score of between 500 and 600, you will be eligible to your preferred loan provided you are willing to make a down payment.
If you have a credit score of less than 500, there is a slim chance that you get your preferred loan.


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Friday, April 11, 2008

More news for you




Carnival of <b>Personal Finance</b> #147: Q1 Financial Advice EditionDevray from Managing Personal Finance offers his knowledge on what the banks are up to when they offer us credit card and urges us to start our fight back against the banks policy. Bill from The Money Hacks tells us the ins and outs of ...Perspectives - <b>Personal Finance</b> BlogDifferent perspectives on current trends, events and how they can affect your financial independence.Prime Time Money: Canadian RoundupAn Interview and the Carnivals. My Two Dollars interviewed me this week. Mommy Gets Paid hosted the 7th Money Hacks Carnival. MoneyNing hosted the 147th Carnival of Personal Finance. ...Carnival of <b>Personal Finance</b> #146 - Online Broker Tips EditionLisa from Greener Pastures: Personal Finance presents The Dope on National Debt, and says, Are you sitting down? The US National Debt is $9.5 trillion dollars thats about $1 million dollars per minute ...Traditional IRA versus 401k: Choosing The Right Retirement Account <b>...</b>By understanding your tax-advantaged retirement savings options, youre following Mints second Principle of Personal Finance: Making your Money work Hard for You. Any dollar you dont pay in taxes is another dollar you can invest ...View Foreclosure Rates Visually... a higher foreclosure rate per household, while blue indicates a lower number of foreclosures (you wont see much blue in the examples above). Checkout how you neighborhood compares: hotpads.com. Post from: Personal Finance Hacks.
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Hopefully this article on nonprofit organizations with credit counseling and debt consolidation has



Hopefully this article on nonprofit organizations with credit counseling and debt consolidation has given you an idea of what a company has to offer. These are the two main functions in every company but each nonprofit organization also has other offerings to ask about.
Consolidation Debt Programs In Illinois That Are Non Profit


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Sunday, April 6, 2008

This article on debt consolidation nonprofit will focus on explaining some of the different



This article on debt consolidation nonprofit will focus on explaining some of the different services which are offered by debt consolidation nonprofit companies. You may think that many of the nonprofit that consolidation companies only focus upon debt consolidation but most have many other services which someone can take advantage out. The reason this is important is that when you are in talking with a debt consolidation nonprofit company is that you will want to see if you can take a long look at your total financial picture since debt consolidation is a major step for most people.


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Thursday, April 3, 2008

The credit counselor should be reachable if you need to ask any questions about your account and



The credit counselor should be reachable if you need to ask any questions about your account and should be there every step of the way, until the debt consolidation program is finished. Many times your credit counselor will have access to teaching materials to help improve the way you look at and use credit, and how to improve your finances and stay debt free. As your debts are paid you will learn a great deal about the financial world.


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