Debit cards are new to some people, but other people have been using them so long they don't remember life without them. These popular cards can really add to your life.With these cards, cash is drawn out from the card holder's account as compared to credit cards where money is borrowed and repaid with large interest rates. Using credit cards is compared to spending money that you do not really have.The first card was first issued in the late...more
Managing a business is certainly not easy, particularly during times when the economy is in a slump. Some small businesses have been forced to shut down operations due to the lack of funds. Aside from day to day expenses, the company may have other obligations to creditors such as loans, leases, etc. Sometimes, mismanagement can be a cause of turmoil for a company. But instead of giving up the business, do you still have other options?In this...more
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 NumbersIt is possible, based on some extensive first hand observation that a full twenty percent of all the credit repair dispute letters that are sent to the credit bureaus meet with one of these methods of refusal. Further, it is exceedingly clear that the majority of the letters that are turned away are done so on a random basis, with no substantiated grounds for doing so.It Makes SenseThe benefits to the credit bureaus of a concerted campaign of resistance against the growing tide of credit repair effort can be significant and even measurable. If a credit bureau can avoid the detailed processing twenty percent of all credit repair letters they can save, IMHO, millions of dollars per year on their dispute processing budget.Credit...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...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...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 politicians, the federal government, Medicare recipients, healthcare providers, and third-party payers. There are anticipated problems in implementing reimbursement cuts, including obstacles to patient care and the financial capability of healthcare providers who rely on Medicare revenue. Continual questions over short-term Medicare cuts will be eclipsed by policy modifications related to the program's ability to sustain long-term healthcare funding and delivery systems.IntroductionCurrently health care spending accounts for 16% of the gross domestic product of the United States (Getzen, 2007). Overall health care spending and high health care costs are due to new technology and higher incomes. This raises the question, how are health care expenses going to be controlled within government programs like Medicare? The development of Medicare and...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...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...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