| 1891 | A Note About Personal Bankruptcy Preview: Sometimes, the formal and legal declaration of personal bankruptcy is the best way to go when you're "snowed under" with bills, and you just can't see your way clear to survive. Actually, bankruptcy allows you to make a fresh start. Generally, it takes only a small amount of money, a careful evaluation of your assets and your liabilities. In... (more) Published By: ReliefLoans.com Submitted: 25 February,2005 |
| 1892 | Fair Debt Collection Preview: If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." You should know that in either situation the Fair Debt Collection Practices Act requires that debt collect... (more) Published By: ReliefLoans.com Submitted: 25 February,2005 |
| 1893 | What to check out when you apply for a payday loan Preview: Are you thinking of going in for a payday loan to meet an unexpected expense? If yes, look into these seven things before you finalize one. This checklist can help you make smarter choices. You might even end up saving some serious cash! First thing to consider -- do you really need that cash advance? Sure, you need cash right away, but have you ... (more) Published By: Prakash Menon Submitted: 26 February,2005 |
| 1894 | Tax Tips to Save You Time and Money Preview: It's nearly that time again. April 15--the income tax deadline--is rapidly approaching. There aren't many taxpayers in this world who can honestly say that they have not needed help completing their tax forms. Since paying taxes is an annual event, you would think that we would get better at the procedure from year to year, but this is certainly n... (more) Published By: Larry Denton Submitted: 26 February,2005 |
| 1895 | How not to be ripped off by mortgage brokers Preview: One of the things that bothers me about the mortgage industry is the number of unscrupulous brokers that operate in this market. Talk about giving the industry a bad name! I worked for a mortgage lender until quite recently and I used to be shocked at the fees that brokers charged their clients. I mean lets put this whole "mortgage arranging" t... (more) Published By: Anthony Harrison Submitted: 26 February,2005 |
| 1896 | Fees paid to brokers are far too high Preview: Procuration fees paid by some sub-prime lenders are too high. Fact. There can be no justification for some of the fees paid by lenders. Proc fees of 2.75%-plus are simply deplorable when it is clients who will ultimately pay the price through an extra loading on the interest rate they pay, be it at the front end or - as is more common with some... (more) Published By: Mark Anthony Harrison Submitted: 26 February,2005 |
| 1897 | Bankruptcy--The Last Resort or a Fresh Start Preview: Each year more than 1,200,000 Americans file for protection under the federal bankruptcy laws, according to the American Bankruptcy Institute. Some are credit abusers or are financially irresponsible. But average working men and women who try to pay their bills on time can sometimes find themselves in financial difficulties, as well. The sudden ... (more) Published By: Larry Denton Submitted: 26 February,2005 |
| 1898 | Should you ever take a payday loan? Preview: Payday loans have many names -- cash advances, signature loans and paycheck loans, etc. Payday lenders provide quick and easy short-term cash to those who need money immediately. That's the big reason why they're so popular. However, payday loans come at exorbitant costs. This can -- and often does -- lead borrowers into a downward spiral of rap... (more) Published By: Prakash Menon Submitted: 26 February,2005 |
| 1899 | Facts you should know about loan types Preview: When you set out to borrow, you often come across terms like unsecured loans, revolving loans, adjustable rate loans, etc. While these terms are more or less self-explanatory, it is still useful to be clear on their exact meanings and what they imply before you finalize a loan contract. Unsecured versus secured loans As the name implies, a secu... (more) Published By: Prakash Menon Submitted: 26 February,2005 |
| 1900 | Why bank overdrafts may be a bad deal for you Preview: Many banks actively encourage their clients with low balances to overdraw their accounts. That means, if the customer writes a check or uses her debit card and has insufficient funds in the account, the bank clears the check by granting a temporary overdraft (a short-term loan), up to a specific limit. The customer is saved from the problems of bo... (more) Published By: Prakash Menon Submitted: 26 February,2005 |
| 1901 | Cash advance as a loan source Preview: Cash advance loans are a quick and hassle free way of obtaining some much needed cash. The loan is generally meant to be repaid in the short term. Cash advance pay day loans is helpful for those people who have run out of money before the end of the month and need some assistance to sustain them until their next paycheck. A cash advance agency w... (more) Published By: Jakob Jelling Submitted: 27 February,2005 |
| 1902 | The advantages of consumer credit counseling Preview: Many individuals have been helped by consumer credit counseling to take control of their finances and to eliminate debt. Consumer credit counseling can work for you by teaching money management skills which can help you throughout your lifetime. Consumer credit counseling can help you better understand your credit situation. It can help you under... (more) Published By: Jakob Jelling Submitted: 27 February,2005 |
| 1903 | Investor Crap Games Preview: Investor Crap Games By William Cate Ask not how much money you'll make from a speculative investment. Instead, ask how likely you are to lose your risk capital. Most investors will find better odds wagering their money in Las Vegas, Macao or Monte Carlo than being angel investors to private companies. Private company speculation is far riskier t... (more) Published By: William Cate Submitted: 28 February,2005 |
| 1904 | Raising Money Preview: Raising Money It isn't cheap. It isn't easy. The winners in the rush for risk capital are the CFOs (Chief Financial Officers) who understand how to play the money game. Private companies seek risk capital from American Venture Capital Firms (VCs) and wealthy individuals called Angel Investors. A 2003 study shows that U.S. Domestic company odds o... (more) Published By: William Cate Submitted: 28 February,2005 |
| 1905 | Peak Oil: The End of Cheap Oil Preview: Since corporations and governments are staffed by human beings, it's no surprise that corporate and governmental decisions are marked by the same shortsightedness that we've been warned of ever since Aesop told the tale of the grasshopper and the ant; i.e., tactical decisions for the near term rather than strategic decisions for the long term. Tru... (more) Published By: Gordon Owen Submitted: 28 February,2005 |
| 1906 | Six Ways Under Your Nose To Finance Your Home-Based Business Preview: There are lots of ways to get additional capital to expand a home-based business. But before you look outside for financing, leaving the decision about your company’s progress and merits to someone else, consider these six ways under your nose to finance your home-based business: Personal Savings Savings are easy to tap and involve no paperwor... (more) Published By: George A. Parker Submitted: 28 February,2005 |
| 1907 | Credit Report and Credit Scores Preview: The information on your credit report can greatly affect the interest rate and your ability to obtain a loan. So it’s very important to check your credit report early, even if you are not quite ready to buy a house just yet. There are 3 major credit reporting agencies: Experian, Equifax and TransUnion. Everyone has 3 FICO credit scores, one from... (more) Published By: Andre McFayden, Ph.D. Submitted: 28 February,2005 |
| 1908 | Hidden Bank Loan Charges That Would Make a Pick-Pocket Envious Preview: There can be more to a bank business loan than making interest and principal payments. Your firm may get a great rate on its new credit line or term loan but you may cry on the way home when you discover the hidden fees and charges. Even seasoned borrowers can be caught off guard. Borrowing costs can be boosted by thousands of dollars and the eff... (more) Published By: George A. Parker Submitted: 01 March,2005 |
| 1909 | Christian Okoye Launches Home Mortgage Loan Website Preview: “We are pleased to annouce the launch of a new home mortgage loan website featuring Christian Okoye. We are very excited about working with "The Nigerian Nightmare" who played many great games in his seven-year career as a Kansas City Chief. Partnering with him will give us a strong edge over our competition,” states James Williams, President of S... (more) Published By: Keith Hunt Submitted: 01 March,2005 |
| 1910 | 5 Ways To Raise Credit Score Preview: It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your credit score falls under 620 just getting loans and credit cards with reasonable terms is difficult. There are more than 30 million people in t... (more) Published By: Gary Gresham Submitted: 01 March,2005 |