|
|
Consolidating Your Credit Card Debt
Copyright 2005 MHG Consulting
Credit cards have revolutionized the purchasing experience since Diners Club released the first credit card in the year 1950.
The Dinners Club credit card gave consumers limited credit that, at times, even surpassed...
Dating - Agreeing On A Vacation Spot
Difficulty Agreeing on a Vacation Destination
There are sometimes when you are in a relationship in which you
can't come to an agreement on where to go on your next vacation.
Make no bones about it, vacations are very valuable...
Dating - Picking The Right Fragrance
Picking the Right Fragrance for Your Sweet Heart
It is probably a fact that your sweet heart loves to smell good.
Many people are drawn to fragrances. Women especially love
complex, sweet or light fragrances to wear either to work, at
home...
How to Succeed in Online Dating with Single Women
Day by day, while online
dating is becoming a part of our personal lives, succeeding
in online dating gets
harder and harder due to high competition. Although uploading a
photo and a good personal ad is essential for good results, it
is not...
The Hassle-free Dating Plan
The trials and tribulations of dating make for good humor and interesting dinner time stories! Doubling your dating pleasure starts with prioritizing the objectives of the date.
More single men and women could get more out of their dating if...
|
|
|
|
|
|
|
|
Consolidating Debt? 5 Warning Signs Of A Shady Debt Consolidation Or Debt Management Company
Unfortunately, not all debt consolidation companies are
legitimate. To avoid the shady companies, educate yourself on
the debt consolidation process and watch out for these warning
signs.
Quote Unusually Low Monthly Payments
A debt consolidation company works with creditors to lower your
interest rates. Creditors have predetermined rates that they
will lower to, so every debt consolidation program will get you
the same rates. But since 2004, creditors no longer accept
reduced minimum monthly payments.
Companies who quote unusually low monthly payments are probably
giving you a low figure, which they will raise once you are in
the program. Instead of comparing monthly payments, request
information on their fees.
Demand All Debts Be Included
Companies who demand that all your debts be included in the debt
consolidation don't have your best interests in mind. Some
loans, such as credit union loans, are ineligible for lower
interest rates. And other types of credit, like student loans,
may already have a low interest rate.
However, by including all your bills in the monthly payment, the
company can charge you a higher fee for handling more accounts.
Before you enter a program, decide which accounts you want to
consolidate for lower rates.
Charge High Upfront Fees
The most common scam is to charge high upfront fees, up to
thousands of dollars, for services.
Sometimes companies will
promise to refund fees on completion of the program, but few
clients actually complete the program.
Legitimate non-profit companies charge a flat monthly fee for
each account handled. They are usually subsidized by financing
companies. For profit companies will charge a competitive fee
along with a flat monthly charge.
Offer Debt Settlement And Other Services
Be suspicious of those offering other services besides debt
consolidation. Debt settlement, credit repair, and other
programs are often just scams to take your money.
If you do need to make a debt settlement, you can save yourself
money by doing this yourself. You may also find that declaring
bankruptcy would be a better financial choice.
Request Account Numbers First
Be highly suspicious of any company that requests your account
numbers, social security number, or other personal information
before providing a quote. By providing this information, you
open yourself up to identify theft.
To receive an accurate quote, simply provide creditors' names,
balances, and interest rates.
About the author:
See my recommended Debt
Consolidation Companies online. Carrie Reeder is the owner
of ABC Loan
Guide, an informational website about various types of
loans.
|
|
|
|
|
Welcome to dating.com |
The dating.com logo and brand are trademarks of Network Telephone Services Inc. All Rights Reserved ... dating.com is a member of the Relationship Exchange. ... |
www.dating.com |
  |
Free online dating service SearchYourLove |
Online dating service, which offers anonimity, security and yet real results! |
www.syl.com |
  |
Match.com - Find Singles at the World's Largest Online Dating ... |
Match.com personals brings singles together. As the proven leader in online dating personals services, Match.com provides millions of possibilities to meet ... |
www.match.com |
  |
Ok Cupid! Free Online Dating |
OkCupid's the #1 free online dating site. Specializing in personality analysis, it was programmed by Harvard math grads. |
www.okcupid.com |
  |
Dating & Relationships - expert advice, quizzes, and dating resources. |
The leading source for Dating & Relationship advice, online dating, dating quizzes, Q&A's, love and sex from Jeff Cohen, About's Dating Guide. |
dating.about.com |
  |
Online Dating Services - Singles, Personals and Dating Sites Directory |
TruDating.com offers a complete list of the best online dating sites. Find great online dating services, singles sites, internet personals, ... |
www.trudating.com |
  |
Dating - washingtonpost.com |
Get dating advice from experts like Carolyn Hax. Find date ideas and information on Washington DC dating. Learn about online dating and get relationship ... |
www.washingtonpost.com |
  |
Online Dating with Kindred Spirits Personal Ads - Home Page |
For personals, love and romance, find your Kindred Spirit using The Daily Telegraph’s online dating service. |
dating.telegraph.co.uk |
  |
Friends Reunited Dating |
Dating and picture personals for UK residents with postcode search facility. |
www.friendsreuniteddating.co.uk |
  |
Best Online Dating Singles Resource - Metrodate.com |
Metrodate.com is the Ultimate Singles Resource, featuring free photo and voice member profiles! |
www.metrodate.com |
  |
Best Online Dating Services Reviewed + Dating Tips & Advice |
Reviews of the best online dating services, plus dating tips and advice. See how American Singles, Match.com, LavaLife, Yahoo Personals, Date.com, ... |
www.edatingcentral.com |
  |
Plentyoffish.com Free Online Dating Service & Dating Site |
100% Free online dating and matchmaking service for singles. Stop wasting your money on other dating sites. |
www.plentyoffish.com |
  |
eHarmony #1 Trusted Relationship Site Move Beyond "Traditional ... |
eHarmony is the first service within the online dating industry to use a scientific ... If you have tried other online dating sites, graduate to eHarmony. ... |
www.eharmony.com |
  |
Online Dating with Encounters's Personal Ads - Home Page |
Encounters is the NEW and totally exclusive dating service for Times Online readers. Whether you're looking for new friends, a quick entrée into the world ... |
www.encounters.timesonline.co.uk |
  |
Newsday.com - Dating |
AmericanSingles.com connects gay and lesbian singles for dating and friendship using photo personals, e-mail, chat, IM and more. ... |
www.newsday.com |
  |
Scotsman.com Dating - find love in Scotland - Perfect Partners ... |
Scotsman.com Dating - Scottish dating and personal ads - find love in Scotland - perfect partners - men seeking women, women seeking men, men seeking men, ... |
dating.scotsman.com |
  |
Liv2luv Home |
Feedback | Search | Whoz Online | Dating Tips | Help. Indiatimes ID. Password. Remember Me ... Mobile Dating. -, Writing an Effective Personal Ad ... |
dating.indiatimes.com |
  |
Online Singles Dating Site - Meet Quality Singles Online |
Quality online singles dating site that will help you date and meet singles online. Read fun and in-depth reviews on singles sites, online dating services, ... |
www.quality-singles.com |
  |
Find Singles with the Top Online Dating Site -- Yahoo! Personals |
Try online dating with Yahoo! Personals. Search photo personal ads and meet other singles looking for fun dates and long-term relationships. |
personals.yahoo.com |
  |
DatingDirect.com Dating Direct |
Picture profiles and dating tips. Registration required to view personals. |
www.datingdirect.com |
  |
|