As the UKs recession develops, debt advisers are being swamped by people desperately struggling to manage their mortgage repayments, credit cards and loan repayments. There has been a 40 per cent increase in people with arrears on mortgages and secured loans say the Citizens Advice Bureau, compared inquiries in 2008. The Consumer Credit Counseling Service (CCCS), which also offers free debt advice, is receiving 1,500 calls a day, while calls to...more
Private student loan consolidation cannot be generally mixed with federal student loans due to the low interest rate on the latter. However, there are several options open to refinance the private student loans by replacing them with another.The main advantage of doing this is that instead of making several monthly payments, only a single payment is made every month that may be reduced although this will cost one in terms of higher interest...more
The number 1 objection I hear from real estate agents when the subject of doing a lease option or rent-to-own is broached is "How do I get paid?" Sometimes the agent will be concerned about how they get paid but don't want to flat out ask it. So instead they'll say things like "Lease Options are too risky! You(home seller or home buyer) don't want to do that." This sounds a whole lot better than, "I don't want to do a lease option sale because I'm not sure how I'll get paid." Now keep in mind that not all agents are like this, it's just that the ones who do object usually object for this reason.Times have changed now and many real estate agents are more open to the idea of lease options or rent to owns. That's because the real estate market is down and more and more agents are willing to be creative to get things done. But there are definitely still some holdouts who only want to do conventional sales. The reality is that some of these agents will never change their mind but some will, especially if you are their client and you insist on it or suggest you'll find someone who will. So bear in mind that the suggestions I'm going to offer will work with some agents (the ones who still...more
A frustrating situation that bankruptcy attorneys are often faced with is meeting clients who have drained their retirements in an effort to avoid bankruptcy, only to end up filing anyway. In a bankruptcy situation, funds in a qualified retirement account are exempt to over $1 million dollars - a limit not generally approached by most...more
The skill in being able to manage could be a profitable secondary asset for any qualified employee or staff with any specific training in a certain area. Actually, the duties and responsibilities of the senior management personnel in any organization may vary from one industry to another. For instance, the role of being an office manager varies a...more
Credit is becoming a necessity these days. Even if you can afford to pay for all your purchases in cash you wouldnt be very comfortable walking around knowing that you have a large amount of cash with you. Credit cards can easily solve your dilemma and also makes it easy for you to track all your expenses. There are also rewards that you can earn if you use your cards wisely.However, lets forget the numerous perks you can get via credit card and check in with Mr. Reality: that plastic card can also make it so much easier to spend more than you can afford to pay. Here are a few tips for you to control your spending sprees and use your credit cards wisely, at the same time maintaining all the perks you can get from them: Pay your bills on time. Having balances raises your interest each day. The sooner you pay, the lower your balance and interest. Paying on time will also ensure that your credit scores will remain positive. Pay more than the minimum balance. Even if you pay the minimum, you still have a balance remaining. The more of a payment you make, the lower your monthly minimum payment becomes. If possible, pay the whole balance every month to avoid debt and bad...more
For many people the thought of using an online e-currency can be a scary thing. We have all heard the horror stories of people being scammed and money being stolen by dishonest companies, but there are some companies out there that have worked hard...more
Over the last five years approximately 600,000 entrepreneurs pitched first tier venture capital firms in North America and about 15,000 received funding. Your chances of getting funded are 2.5%. This is a fact. Many of those that were funded became...more
The recent economic crunch has forced thousands of small business enterprises to close down, leaving millions of people without jobs, and thus a way of supporting themselves. If you, like many of those people, are feeling the pressure of the changing...more
I received an email last Friday from pennypic.com, the free penny stock newsletter I subscribe to. I was quite excited too because they kindly told me to enjoy and relax on you're (sic) long weekend, because we have a major MONSTER announcement...more
Enormous efforts and dollars are spent in production operations reacting to, containing, and solving problems. However, considerably more effort is needed in product design and manufacturing to prevent product failures, scrap, and other...more
Personal loans are usually a small loan for personal uses such as for buying a car, paying for a wedding or party, paying back anther loan, buying a new appliance and furniture, taking a trip, or paying for any other smaller payments. It usually has...more