Latest Articles from Credit Card Posts

Does It Hurt My Credit if Several Reports Run While Car Shopping?

May 11, 2012 | No Comments »

Auto lenders will often view your credit report prior to offering you an auto loan. The information in your report determines your FICO credit score, which runs from 300 to 850. This information will impact the terms of your auto loan, including the...

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Is your car a filthy mess?

May 04, 2012 | No Comments »

How about your home? Your office? Your yard? Im a little embarrassed to say yes, yes, yes, and yes. Or, at least, that was the old me. Im a hyper, busy guy, so everything was a mess. When was I supposed to find time to organize my stuff when I was...

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Is Unemployment Credible Income?

April 07, 2012 | No Comments »

Unemployment income is temporary income you receive when you lose your job. This money is considered income, though you do lose it when you return to work. When you apply for a bank loan, the bank looks for credible income from sources that...

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Debt Consolidation vs. Credit Counseling: Which Is Right for You?

Posted by Gregory Young at Sep 01, 2010 | No Comments »

If you’ve made the decision to get control of your debt (and possibly get rid of it), congratulations! Taking an honest look at your debt obligations isn’t easy. Neither is it easy to develop an effective repayment plan.

Over the last several years, two types of companies have emerged – both aimed at helping consumers manage and eliminate debt. Many people assume that “debt consolidation” and “credit counseling” are essentially one and the same, but they offer very different services and may not be right for everyone.

Debt Consolidation

Debt consolidation is exactly what it sounds like. All of your outstanding credit accounts are consolidated into one loan and one monthly payment. With debt consolidation, you take out a new loan and use it to pay off your creditors. It’s somethin

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Tags: Debt Debt Consolidation

A Mother’s Tips for Moving to a New Home

Posted by Gregory Young at Aug 29, 2010 | No Comments »

If you’re like many Americans, you move homes fairly regularly. In fact, more than 40 million Americans move every year, according to the Census Bureau. For many folks, moving is about getting into a bigger or better home. Whatever the reason, moving always brings stress and extra expense.

This month, I’m organizing my family’s move from Phoenix to Texas. We’re a family of re-locaters. With a husband in the service, I’ve gotten used to moving on a moment’s notice. But, with each move comes the task of organizing our junk much-treasured belongings, getting all the members of our family ready, scheduling appointments with Realtors, calling ahead to turn on utilities, figuring out car licensing, etc.

With each move I’ve made, I’ve learned a few things. Here are five helpful moving tips that will hopefully make your next move a little easier:

Packing Can Be Expensive, Time Consuming and Hard

Boxes are not cheap. Check out Craig

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Tags: Home

What is a Business Plan?

Posted by Gregory Young at Aug 26, 2010 | No Comments »

So you’ve decided to start their own business – congratulations! This is a huge leap from letting someone else take care of tax, accounting, payroll, inventory, and / or various other activities necessary to run a business. However, running your own business has advantages. You can be your own boss, work your own hours and days, and are responsible for your own success. This can be a good way to escape from the boredom and do 9-5 work, love what you will, but you should start by putting a few questions:

1st Are you doing what you love, or just something you do both? A desire to escape from the ordinary world of work can be a good motivation to work for yourself, but you will rise a customer to do in the morning, what you have to do to vote for life.
2nd What do you want? What it fills a niche? Is there a need for that can give you what? The

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Tags: Business Business Plan

5 Best Credit Cards for College Students

Posted by Gregory Young at Aug 26, 2010 | No Comments »

Being away at school offers a plethora of spending opportunities. Some are to be expected, like books, groceries, rent, utilities and random university fees. And some, like hospital and auto expenses, are not so expected. 

Usually such expenses might be covered by parents, but the dismal economy has made it so parents are often unable to contribute allowances to their college-aged children. And the truth is that student loans, even a PLUS Loan that’s supposed to cover the entire cost of education, including living expenses, can only pay for so much.

This is when most college students turn to credit cards and likewise expose themselves to the wonderful world of credit-card debt. Th

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Drowning in Debt: Is Debt Consolidation Right for You?

Posted by Gregory Young at Aug 22, 2010 | No Comments »

The economic and housing downturns have left many families without savings and home equity, and some even without jobs. If you’ve fallen behind on payments or simply want to get out of debt fast, you may be considering debt consolidation. It can be a good solution, but it isn’t for everyone. When researching the debt consolidation option, consider the following:

What do you want to accomplish?

Some of the “services” offered by debt consolidators are things you can do yourself. For example, many companies will negotiate lower interest rates on your accounts (both credit cards and loans). But you can do that too, simply by calling your creditors and asking for lower rates. A debt consolidation firm isn’t likely to have any better results than you will.

How much can you afford to pay each month?

Are you currently able to pay more than the monthly minimums on your debts? If you ca

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Tags: Debt Debt Consolidation

What Motivates Back to School Shopping

Posted by Gregory Young at Aug 19, 2010 | No Comments »

Summer is almost over, which means it’s time for all the kiddies to get out of the house and back in the classroom. It also implies that it’s time for you to do some back to school shopping. Fretting about your finances? Check out these tips about how to go back to school on a budget.

The impending spending spree that often accompanies back to school shopping can be stressful. In fact, parents shell out an average of $606.40 in 2009 on clothes, shoes, supplies and electronics for school-aged children in grades K-12, according to The National Retail Federation.

But the stress is because of more than just money. A f

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Tags: School Shopping Shopping

Claiming back ppi is your right

Posted by admin at Aug 16, 2010 | No Comments »

Not long ago we discovered a website that conducts claims for PPI for UK residents who have taken out credit cards or loans in recent years. PPI is the term often used to describe payment protection insurance; a very unique type of insurance that protects the policyholder if they cannot work because they have become unwell or they have had an accident.

As with most things these days, there are drawbacks. The main drawback is that it is not uncommon for a PPI policy to be wrongly sold. This is known as mis sold payment protection and happens for various different reasons. The main reason why this happens is because companies often sell policies that do not benefit or even apply to the customer. The good thing about this is that payouts can often be fairly large sums of money. Read more…

Tags: PPI Ppi Right

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