Credit Repair ResistanceThe credit bureaus have been known to resist the credit repair process. They have a variety of mechanisms in place which can only be interpreted as a clear attempt to quell and discourage the flow of dispute letters. These techniques include letters proclaiming the frivolity of the dispute, demands for identification, and the refusal to process a dispute on the basis of some undefined suspicious characteristics.Significant...more
What is the most important thing when it comes to making money in the forex market? It is not your trading system, it is not even your money management ratios, but it is about patiently waiting for exactly what you are looking for, and then placing the trade when you see exactly what you need to see and no sooner. The reason there is such a large casualty rate among currency traders is that so many people let emotion supersede logic, or they get...more
There are many reasons to avoid carrying a large balance on your credit cards. Large balances can negatively impact your credit score. They will cause you to use your hard earned cash to pay interest. Now theres one more reason to avoid carrying a large balance: if you make a late payment, your penalty might be tied to how much you owe the card company. Its true; card companies make their money through fees, penalties, and interest. But some of the penalties are severe, such as what seems to be the new standard: a $39 late fee on balances of $1,000 or more. And that penalty can come from being just two days late on a payment. If you think this seems a bit harsh, youre right. Fees and penalties have never been stricter. The mortgage crisis is to blame; with so many bad debts being written off by home buyers filing bankruptcy, card companies are facing record losses. They are trying to recoup these losses however they can, and fees and penalties are the fastest way. Take a look at recent statistics for three of the top card issuers in the United States: Discover Late fee: $15 on balances up to $100; $25 on balances of $100 up to $1,000; $35 on balances of $1,000 and greater....more
Medicare reimbursement cuts have skyrocketed since Medicare's beginning in 1965, despite many different measures to control growth. Short-term legislative fixes have been buying time in order to develop long-term solutions while numerous stakeholders stand to win and lose as they deal with reimbursement cuts. Among these stakeholders are...more
Irregular payments of loans, having CCJ's, or bankruptcy are a few reasons for a poor credit status. An adverse credit loan is for people with bad credit scores. It used to be a very difficult task to take a loan with a bad credit score, but with increasing number of banks and lenders, has made the loan procedure easier. The competition has led to...more
To some people, budget is a 4-letter word! When used correctly, a budget is a tool that helps you know where you're going and how you're getting there financially. As our economy struggles, there has never been a better time to get your finances under control and work with a budget. Most people have dreams or goals of things they'd like to have, places they'd like to go, bills they'd like to pay off... but the only way to ensure you realize those goals or see your dreams become reality is to have a plan and a way to measure your progress. How else will you know if you're even moving in the right direction? Here are 11 reasons why living on a budget makes sense- and how it can actually help you reach those dreams and goals that you've set for you and your family: # A budget ensures there is actually money set aside for savings and investments, instead of ignoring them because you don't have any money left at the end of the month to save! # A budget will enable you to see if you are living within your means. Years ago, before credit cards became so commonly used, people would know whether or not they were living within their means because they either had money left over at the end of...more
Homeowners across the country are desperately looking for ways to reduce their home loan payments, and prevent their home from being lost to foreclosure or loan default. Luckily, President Obama knew how bad the economy and housing...more
Like you and the rest, I tried, many things and listen to all the online marketing Gurus I could find and who would tell me that I could make money at the click of the mouse, without even needing to know what I was doing. The fact is...more
Did you know? Recently there has been a commercial for the bank down the street which is offering a free bank account! It sounds like a great idea but before you go sign up for that account and start banking with any specific bank you should know...more
Today, credit cards can be considered as a necessity rather than a luxury. Many hotels, airlines and car rental companies offer online reservations which uses the credit card payment system. Truly, credit cards provide great convenience and...more
We specialize in meeting the demanding needs of the medical profession and youll understand what a difference individual attention makes when you talk with us. Services for Your Practice Customized Financing. We offer a variety of solutions for...more
As many homeowners struggle with mortgage payments that are beyond their current means, it is imperative to know the proper way to compose a loan modification hardship letter. Informing your lender of the circumstances surrounding your current...more