Lenders label individuals with no credit history as 'high risk'. Being considered 'high risk' can be the 'kiss of death' when it comes to getting approved for unsecured loans. Why? Because unsecured personal loans require no collateral. So, the lender loaning you your money trusts you that you will make timely payments. This is not a personal issue of trust, it is a credit issue. Lenders do not want to lend unsecured loans to people with no...more
So you enjoy making wreaths and have decided to go into business for yourself. Congratulations, that sounds like a positive idea and hopefully will be a profitable one. First, however, you will want to make your business plans so that your start up won't also be your shut down. You will want first of all to make sure of your work space. Do you have an area that can be dedicated specifically to wreath making? Making wreaths in front of the TV is...more
Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the end of the month and the bill arrives in the mail. No matter what your situation is however, there is always one thing you will not, under any circumstances, want to see on your monthly credit card bill, and that is a credit card fee.There are different types of credit card fee and different reasons for incurring them, but the good news is that many of them can be avoided by simply following a few simple rules and keeping on top of your finances and bills. The most important way to minimise the fees you receive from your credit card company is to pay your bill on time and in full each month. Generally if you do this, you will be charged no interest of finance charges at all, and will be receiving all the benefits of a credit card and over a month of credit absolutely free. If you are one of the lucky customers who can manage to maintain your account in this way, you will be very lucky....more
Information products are one of the hottest selling items on the Internet. And for good reason. Where else can you get timely, relevant information that is exactly what you want...even at 2 am in the morning?The problem with information in books at the bookstore is that many times it is not specific enough. I don't want to know everything there is...more
For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some people, for many of them their credit card provider will in fact be charging them various fees. For...more
To save money on your credit cards, doesn't always necessary mean that you have to switch providers to get a better deal, far from it as you can always start on your own doorstep and ask your current credit card lender if they can offer you a better deal than the one that you are getting at present.This should be your first step if you are looking to get a better deal, but are unsure, as you are more than happy with the service that your current credit card gives you. Though you may feel that it maybe easier to simply change to a different lender, then this couldn't be further from the truth and at the end of the day, the credit card that you have should be one that suits you and not the credit card issuer.If you are in fact happy with your present credit card and the benefits and service that you have then read on and find out how simple that getting a better deal can be.Firstly you have to ask yourself if you keep your payments up to date, have not missed any and have an overall good payment history with your credit card company, if so then you have the right cards to play when it comes to asking for a reduction in your APR charges. If you fail to have any of the criteria that...more
If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as "adverse". The expressions "poor credit", "bad credit" and "sub-prime" all describe exactly the same situation. This leads to...more
If your business is not using eBay and other Internet auctions, you could be missing out. Here are just a few ways of generating additional income, profits and cashflow from online auctions.1. Convert Excess Assets to CashSell personal or business...more
Sometimes consultants and other service providers are hesitant to charge a fair rate for their services.Maybe they feel that the services they provide are so basic that you really can't justify charging much or anything for them. Perhaps they feel...more
Are you worried about your credit card or debt card being stolen? You're not alone, it's estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people...more
The 401(k) retirement plan is funded by employee contribution and a matching employer contribution. The major feature of the plan is that the contributions are taken from pre-taxed salary. The fund accumulates tax-free until it is withdrawn. Most...more
The IT revolution can still change the destiny of Pakistan, but will require a readjustment of the sights. This readjustment will require her to work with what she has, and not what she currently doesn't!Pakistan has been unable to produce software...more