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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Heading toward Foreclosure? Get Help with a Foreclosure Counselor

Posted by Gregory Young at May 22, 2011 | No Comments »

Foreclosure is as much an emotional process as it is a financial one. If you’re heading down the path to foreclosure, one of the people you want on your side is a foreclosure counselor. Working with a team of foreclosure specialists that includes a foreclosure counselor helps to take the emotion out of the process to help you make sound financial decisions as you move through it. Learn what a foreclosure counselor does and does not do to help you during this tough time:

What is a foreclosure counselor?

A foreclosure counselor is a professional that is approved by the U.S. Department of Housing and Urban Development (HUD). The counselor reviews your current financial situation, so he or she can then present programs to potentially stop the foreclosure. These programs are generally through your existing lender or government agencies that are helping homeowners avoid foreclosure. T

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Tags: Counselor Foreclosure Counselor

Student Loan Forgiveness in California, CA

Posted by Gregory Young at May 17, 2011 | No Comments »

At the present, many people are going back to school to improve their employment prospects and job security. Some people are even changing careers all together and choosing profession based on loan forgiveness programs in California. Careers that qualify for loan forgiveness enable students to graduate with little or no student loans to pay back after graduation.

However, in exchange for student loan forgiveness, college graduates must commit to a few years of service in areas where there is a shortage of teachers, public defenders, and nurses or commit to volunteer work or military service. The school must be deemed eligible by the California Student Aid Commission to qualify.

California offers anAssumption Program of Loans for Education program for teachers.

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Tags: Loan Loan Forgiveness

5 Steps for Finding a Great Handyman

Posted by Gregory Young at May 17, 2011 | No Comments »

Most homeowners can see the value in hiring a handyman to help them with projects around the house but at the same time they can also see the large number ofplaints filed by unhappy homeowners all over the Internet. The fact of the matter is that hiring a good handyman will free up a lot of your time and help reduce your stress if you don’t particularly enjoy chores around your home. Read on to discover five steps to help you find and hire a good handyman that you are guaranteed to be happy with:

Create a List of All the Work You Want Done

One of the first things you want to do when looking for a good handyman is create a list of all the projects around the house you need help with. It’s a good idea toe up with this list so you can determine what kind of help you’ll need. Unfortunately, a handyman may not be able to help you out with all of the projects around the house. For inst

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Tags: Handyman

Federal Student Loan Alaska, AK

Posted by Gregory Young at May 13, 2011 | No Comments »

Alaska has federal student loans offered by the ACPE . The state also administers many alternative loan programs for eligible students.

The ACPE has a brand of private alternative student loans. Normally, university students have federal loans and private loans that are offered to them. Most students are aware that federal loans are usually not enough to handle all of a student’s financial needs. Until now, many alternative packages are very expensive and were offered by financial institutions and many lenders. These private student loans are very costly. So, as an alternative, many states offer low interest, extended term loans. Alaska is one of them.

The state’s Alaska Supplemental Education Loan, which is provided by the Alaska Advantage Program. In order to be eligible for this loan student must pass a credit check when he or she apply. Tho

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Tags: Alaska Federal Student Federal Student Loan Student Loan

5 Common Excuses for Not Budgeting Your Money

Posted by Gregory Young at May 12, 2011 | No Comments »

Budgeting can seem like math minus the fun – and we all know how fun math is. What’s exciting about adding up all your expenses and seeing that you spend way too much each month and need to cut back? Or maybe you put everything on your check card so you won’t overspend. Genius, right? Except you’re not building credit then, and unless you’ve also set up an automated transfer into a savings account, you’re probably not retaining any money either. But many people don’t want to hear that. Let’s examine fivemon myths that keep people from budgeting:

1 . I cant manage my money because I’m bad at math.

Well, how are you with instructions? With modern budgeting software, you can just follow along and let the program do the work for you. Even better, a lot of these programs are free – so they won’t count against your budget!

2. I can’t budget becaus

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Tags: Budgeting Budgeting Money

Student Loans: How Should I invest Funds Left After My Education Costs?

Posted by Gregory Young at May 07, 2011 | No Comments »

The cost of a college education continues to increase, challenging health care costs as the leading “irritant” when it comes to affording something that is nearly a necessity in our society. For a top-rated university, you can expect tuition and fees to exceed $40,000 per year, and that figure may not include books, living expenses, and a modicum of travel and entertainment expenses. Nearly two-thirds of undergraduate students seek financial aid, and those that graduate can expect average loan balances of $25,000, or much higher if from an above-average college or graduate school is included.

Some students have found that by living frugally and/or working part-time jobs on occasion that they can manage to have excess funds left over from their student loan programs. Sho

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Tags: Costs

Make the Most of Your Credit Card Rewards

Posted by Gregory Young at May 07, 2011 | No Comments »

When you pull up to the gas pump or stand in line at the grocery store, how do you choose to pay? Some consumers pay cash for everything they can, but according to recent surveys, more consumers are using their cash back credit cards to earn rewards on purchases that they have to make anyway. In a way, it’s like double-dipping because you are getting the gas in your car or the food on your table that you need and you’re racking up points with your credit card issuer that you can cash in for more things that you want.

The majority of cash back rewards cards pay cardholders pay cardholders 1 percent back—making this the most popular type of card. According to a recent survey by Credit-Land analysts, 25 percent of cash back credit card issuers pay as much as 2 percent in rewards for travel, gas and grocery purchases.

Charge, Earn, Pay Off

Whipping out your cash back card to make purchases sounds ideal, especially when you see what kinds of prizes you can cash your reward points in to earn—electronics, trips, cash and more. The key

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Best Deals With Chase Ultimate Rewards

Posted by Anthony Jackson at May 05, 2011 | No Comments »

If you own one of three Chase credit cards — the Chase Freedom or Sapphire personal credit cards or the Chase Ink business card — you’re eligible to participate in Chase’s Ultimate Rewards program.

Under this program, you can convert the rewards points you earn with these credit cards into everything from gift cards to home electronics to hotel stays and ocean cruises. The program is free. But as you shop the online home of the Ultimate Rewards program, you’ll find that certain rewards result in a better bargain for your dollar.

You may prefer to turn your rewards points into cash. That’s one way to make sure that you get the most bang for your buck. But if you’d prefer to turn your rewards points into laptop computers or restaurant gift certificates, you’re going to have to do some savvy shopping on the Ultimate Rewards site. It’s the only w

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Tags: Rewards Ultimate Rewards

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