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Simple Trick: Should I Pay Off My Mortgage in Half the Time? Comparing 15-Year Mortgages and 30-Year Mortgages. Debt Card Safety Tips Steps to take if you lose your Debit Card Can a Debit Card Help you Build Credit? Have your Government Benefits put on a Debit Card
 
Simple Trick: Should I Pay Off My Mortgage in Half the Time? Comparing 15-Year Mortgages and 30-Year Mortgages.

Simple Trick: Should I Pay Off My Mortgage in Half the Time? Comparing 15-Year Mortgages and 30-Year Mortgages.

Pros of a 30-Year Fixed Mortgage With interest rates at a historical lows, consumers are racing to refinance their homes. In many cases consumers reach for the traditional 30-year mortgage. This loan locks in the incredibly low rates we see today for thirty years and in most cases gives the consumer a much lower payment […]

Debt Card Safety Tips

Debt Card Safety Tips

Do you know where your debit card is? It is essential to your overall financial security that you keep your debit card in a safe place at all times. Safety, above all else, is of utmost importance. If you are careless with your debit card it is only a matter of time before it backfires on you. What does it mean to be safe with your debit card? Well, this means different things to different people. To give you an idea of how to improve the safety of your card, follow the tips below. 1. If you lose your debit card do not wait too long to call your bank. The biggest mistake you can make is thinking that you are going to find your card in the near future – just to learn that this never happens. It is better to be safe than sorry. Call your bank, explain that your debit card is missing, and have them cancel it at once. Sure, it is an inconvenience but you will receive your new card in no time at all.

Steps to take if you lose your Debit Card

Steps to take if you lose your Debit Card

Did you recently lose your debit card? Did you have a scare that makes you think this could happen to you in the future? Losing your debit card is a big deal for many reasons. Although this may never happen, it is good to be prepared for the worst. Here are several steps to take if you lose your debit card: 1. Call your bank as soon as possible. It is common to wait a few days, hoping that your card turns up. While this could happen, it is better to be safe than sorry. Remember, the longer you wait to report your debit card missing the more chance there is that somebody will use it in a fraudulent manner. Are you really willing to take that risk?

Can a Debit Card Help you Build Credit?

Can a Debit Card Help you Build Credit?

Can I use a debit card to build my credit? This is a common question, especially among younger individuals as well as those who have had credit issues in the past. Most people are aware of the importance of an above average credit score. While this may not sound like a big deal, the higher your score the better chance you have of securing a loan in the future. Along with this, it can help in many other aspects of your life, such as when applying for a job.

Have your Government Benefits put on a Debit Card

Have your Government Benefits put on a Debit Card

Did you know that you can have your government benefits put on a debit card? This has become very popular over the past few years, as more and more baby boomers reach retirement age. Even if you do not opt for this method, you should consider the process as well as the benefits. If you are interested in having your benefits put on a debit card, the following advice should be useful: 1. Do you know what a government debit card is? This is nothing more than a card that is preloaded with cash from SSI, Social Security Disability, or retirement Social Security. In addition to the convenience that they offer users, the government is interested in this program because it helps reduce paper usage while saving them money.

Debit Card Pros and Cons

Debit Card Pros and Cons

11 October 2010

There are many pros and cons that go along with using a debit card. It is important to be aware of both the good and bad. Once you know the benefits and drawbacks, you can do what you can to avoid the bad and focus on the details that will better your financial situation. Pros 1. Convenience. With a debit card you never have to use cash or check again. Instead, you can use it just like a credit card – except the money coming out of your checking account. Not only is it convenient to use a debit card at local stores, but the same holds true with online purchases.

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Posted in Debit Cards, Debt Consolidation, Debt Management, Your Budget0 Comments

Filing for Bankruptcy Protection in Georgia

Filing for Bankruptcy Protection in Georgia

08 June 2009

Bankruptcy laws vary from one state to another. Here is a breakdown of Georgia bankruptcy guidelines to help you understand the differences when filing for Chapter 7 vs. Chapter 13. A Georgia bankruptcy lawyer will probably begin your consultation by explaining the difference between Chapter 7 and Chapter 13 bankruptcy. This often includes what is called a “means test.” This involves asking some very personal questions about your assets, debts and your financial goals. The answers you provide to these questions will help you and your bankruptcy lawyer determine if filing Chapter 7 or Chapter 13 bankruptcy is right for you.

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I Need A Debt Management Expert!

I Need A Debt Management Expert!

01 June 2009

In today’s world there are no shortage of people with debt management issues. So where do you go for debt management help? Here are a few quick tips from the debt management expert... 1) Go to Debt Management Expert web sites: This site is organized to give you helpful advice on a variety of debt management issues. We are specifically looking at large issues involving your home and credit. We also recommend that you look to other debt management sites to get helpful tips. There is no substitute for reading up on the issues that you face and looking at how different experts recommend you approach those issues.

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The Loan Modification Calculator and Debt Management Bailout

The Loan Modification Calculator and Debt Management Bailout

01 June 2009

There has been lots of press on the topic of Loan Modification. You can negotiate with your bank to modify your loan yourself or by using a third party expert. The government has also now gotten involved and set up a special program to help consumers modify their loans but not everyone qualifies for the government’s bailout loan modification program. Read ahead to see if you qualify for a government bailout or loan modification as part of the Obama Plan. If you do this is a great way to manage your debt and get back on your feet.

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Posted in Debt Management, Loan Modification, Loan Modification Calculator0 Comments

Enrolling in a Debt Management Plan to Help Your Monthly Budget

Enrolling in a Debt Management Plan to Help Your Monthly Budget

29 May 2009

Signing up for a debt management plan may give you more breathing room in your monthly budget, but will it hurt your credit? Not as much as you may think. Using a debt management plan to pay off debt won't hurt your credit score, but it may make it difficult to qualify for new credit.

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Creating a Personal Budget and Sticking to It

Creating a Personal Budget and Sticking to It

13 May 2009

Have you ever tried managing your money by creating a personal budget and sticking to it? Do you find that managing your money works or does it seem like a waste of time? The hardest part about managing your money by creating a personal budget is using information from it to modify your spending habits. With any household budget when you are trying to manage your money, you should be trying to prevent overspending, not only on the large, more infrequent expenses such as vacations, major repairs, end-of-the-year holidays as well as birthdays, but also on the day-to-day and monthly expenses that you incur throughout the year. Only after you have a handle on what and how you are spending does sticking to a household budget make sense and seem worthwhile. It is important to have control over your expenses, even if money management does seem to be somewhat illusory.

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Ten Tips to Increase Your FICO Score

Ten Tips to Increase Your FICO Score

06 May 2009

Here are 10 tips to help you increase your FICO score by using credit responsibly. In order to keep your finances in great shape and increase your FICO score, it is important to use your credit responsibly. Your FICO score is a score created by credit bureaus such as Experian, Equifax, and TransUnion. Institutions lend money based on the FICO score created by credit bureaus. Here are some tips for keeping the FICO score in good shape.

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Posted in All About Your Credit, Credit Cards, Credit Score, Debt Consolidation, Tips and Tools for Improving Your Credit0 Comments

What if I Find a Mistake on My Credit Report?

What if I Find a Mistake on My Credit Report?

06 May 2009

Mistakes found on your credit report can be avoided by and/or corrected by following some straightforward procedures. A big part of being fiscally responsible these days is checking on your credit report. Individuals can get a free credit report from each of the major credit reporting bureaus -- Equifax, Experian, and TransUnion -- every 12 months. Checking your credit report is as simple as having these bureaus send you a copy of your credit report and looking it over. Most of the time, these credit reports are correct. But what do you do if you find a mistake?

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Even With Bad Credit, You Can Get a Credit Card

Even With Bad Credit, You Can Get a Credit Card

30 April 2009

Applying for a secured credit card and paying off your monthly balance can help you to reestablish your credit rating with the major credit bureaus. Have you been told that you have a poor credit history? Have you run into some trouble with credit card debt before, which now you have cleaned up? Perhaps you have declared bankruptcy and you are trying to reestablish your credit? Here are several key ways that to reestablish your credit by securing credit.

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Posted in All About Your Credit, Credit Cards, Credit Score, Debt Consolidation0 Comments

Tips to Get Yourself Out of Credit Card Debt

Tips to Get Yourself Out of Credit Card Debt

28 April 2009

Do you have too much credit card debt? It will take commitment and discipline, but here are some tips to get yourself out of credit card debt. Do you have too much credit card debt? Many people are embarrassed or ashamed of how much credit card debt they have or how they got to that point in their lives. If you have too much credit card debt, admitting that is the first step toward getting yourself out. It will take commitment and discipline, but here are some tips to get yourself out of credit card debt:

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Posted in Credit Score, Debt Consolidation0 Comments

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