March 6th, 2012
If you have an outstanding tax debt with the IRS, the situation may not be as hopeless as it seems. Several options are available to help you reduce your tax debt. Some of these options include tax settlement procedures approved by the IRS. The chief among these are the partial payment installment agreement and the offer in compromise. If either of these options is accepted, you may be able to clear your account without paying back the full amount. Alternatives to tax settlement include standard installment agreements, penalty abatement and being declared uncollectible until the statute of limitations takes effect. Learn all this and more in the following report.
(To download, right click and choose “Save As…” or “Save Link As…”)
January 2nd, 2012
The best way to start off any new year is with some extra cash! What better way to find it than searching for unclaimed money? Unclaimed money is the easiest way to increase the amount in your bank account!
Most people actually have some form of unclaimed money just waiting for them, and they are completely unaware!! The best website to use when searching for unclaimed money, CashUnclaimed.com, is offering FREE unclaimed money searches!
CashUnclaimed.com has the LARGEST unclaimed money database in the world! They are also able to access BOTH state and federal records at ONCE!
This is a preview of: Start Off The New Year By Finding Unclaimed Money!
(122 words, estimated 29 secs reading time)
July 17th, 2008
You could find yourself in a situation where you are unable to keep up with your monthly bills, and you need to find a way meet your financial requirements. There are times when you are unable to keep up with your credit card debts, or you may need financing for your college going son.
You may also need money to pay off your mortgage installments in order o avoid foreclosure. Personal loan is a convenient way to finance your immediate needs, till you have been able to put your expense back on its track again.
This is a preview of: Getting a Secured Loan for Personal Financing
(644 words, estimated 2:35 mins reading time)
July 6th, 2008
Finance is a common topic on which everything in life is based. You need to have finance to lead your day-to-day life or to buy essentials and luxuries or to pay back your debts. So it becomes important to educate yourself on finance and associated matters. If you want to get ahead in this materialistic world you need to know the twists and turns of finance and financial matters.
The need of the world is that we must get smart about finance, investments and money matters. Experts are of the opinion that we have learnt till now that we work for money but after understanding the reality of finance and money matters we would be able to make money work for us.
This is a preview of: Educate Yourself About Finance And Money Matters
(359 words, estimated 1:26 mins reading time)
September 25th, 2006
There are many different views on this. Here is some useful data on how to determine for yourself whether credit counseling is good or bad for your credit score.
Craig Watts, Public Affairs Manager at Fair Isaac Corp. (FICO), has stated that it is not their goal to have consumers consider credit counseling to be detrimental to their FICO scores.
This is good news; however, if the credit counselor negotiates a lesser contractual obligation, it is the lender who decides how to report that new obligation to the credit reporting agencies.
This is a preview of: How does credit counseling affect credit scores?
(362 words, estimated 1:27 mins reading time)
August 7th, 2006
Good on having a high credit score. Now you have to keep it high. Read on for some tips in maintaining your high score.
Life seems good at the top, lower interest rates, lenders requesting you get loans with them and of course higher limits.
It is understood that with this high score you do have financial know-how. Even if it is the most basic rule of paying anyone you owe money to on time. If you noticed it is pay anyone. This anyone includes the late fee on your library book and/or the traffic ticket you are contesting. Not all of those things are reported to credit agencies, but when they are, they can hurt. Even if they’re unjustified. If reported to the credit bureau, there isn’t much you can do about protecting your credit scores during the dispute.
This is a preview of: How to maintain your high credit score
(691 words, estimated 2:46 mins reading time)
August 3rd, 2006
You have now finished school and are looking toward building a credit score. How does your student loan affect your credit?
One of the first things to know is that the credit score used by most lenders divides loans into two categories. They are installment loans and revolving loans. Examples of an installment loan would be a car or home loan and yes, the student loan. This is because you pay a fixed amount every month. Credit card make up the majority of revolving loans where you control your monthly payment.
This is a preview of: How do student loans affect credit ratings?
(251 words, estimated 1:00 mins reading time)
August 2nd, 2006
You have a debit card that can be used as a credit card. Have you ever wondered if there is a difference in the usage of this card for debit or credit purchases? Read on and you will discover there is a difference sometimes.
When checking out at the register the cashier will ask if it is credit or debit. Perhaps you do not really see that there is a difference in this since the money comes directly out of your checking account either way. Well that decision to debit, using your PIN number or credit by signature can effect your bank charges.
This is a preview of: Little known facts about your debit card.
(544 words, estimated 2:11 mins reading time)
August 1st, 2006
Ever go to a store and realize you do not have enough cash in hand for even that small purchase. Then to make it more embarrassing the clerk says you have to have a $15.00 minimum purchase to use your credit or debit card? Is this legal?
OK, let’s assume a lot of the smaller merchants donâ€™t know the rules for accepting cards from Visa and MasterCard, rather than they donâ€™t follow them.
This is a preview of: Are merchant’s following the credit card rules?
(524 words, estimated 2:06 mins reading time)
July 31st, 2006
Are you confused about what a home equity loan and line of credit are? Read on and you will find the difference between the two and perhaps other useful data.
First thing you should know is what home equity is. Equity is the difference between how much the home is worth and how much you owe on the home. What you owe is the amount left to pay off the mortgage or mortgages as the case may be.
Here is some math on that. You purchased your home for $300,000. At the time of purchase you paid $50,000 as the down payment. This left a balance of $250,000 (your mortgage). The equity amount at this time is the down payment amount ($50,000).
This is a preview of: Basic information on home equity loans and lines of credit
(870 words, estimated 3:29 mins reading time)