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Dating in the New Millenium
Over the past 20 years the face of dating has gone through some noticeable changes. Traditional methods of finding a date would be to rely on friends to play matchmaker or to attend bars, various different social events and parties. We now rely...
Do Greeting Cards help in dating?
While dating a person of opposite sex, all of go through
different emotions. Most of us, who like our date wish to carry
forward the relationship, ending into marriage if possible. How
do we enhance the quality of relationship with the person we...
Online Dating Services Not Just For The Younger Generation Anymore
If you're over the age of 40, you may not think the online dating scene has very much to offer you. But you would be wrong!
Not only are people 30 years old and younger signing up for online dating services memberships in record numbers, so are...
Plusdatings
Has anyone visited this site? www.plusdatings.com . It seems to be a place where men and womens talck. About the Author
...
Senior Dating -- It's Never Too Late
Is dating only for the young, and senior dating non-existent? It all depends on how one views dating. Many associate dating with a couple spending a night out for a movie, a meal, some dancing, or a combination of these, virtually isolated from...
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Consolidating Debt & Debt Reduction Without Owning A Home
You have two options to consolidate and reduce your debt if you
don't own a home. First, you can use the services of a debt
consolidation agency. They will negotiate lower interest rates
and smaller payments. The other option is to take out a personal
loan and pay off your debt. The best option depends on your
financial situation.
Debt Consolidation Agency
Debt consolidation agencies, also called credit counseling,
offer many credit services. Their primary job is to help you pay
your debt and bills by negotiating lower rates and payments with
creditors. If you have bad credit or on the verge of bankruptcy,
this service might be your best choice.
You aren't charged any fees by these agencies since they are
funded by financial companies. Financial companies don't want to
see you declare bankruptcy and not pay them back, so they are
willing to set up alternative payment plans.
Besides consolidating and reducing your debt, you can work with
credit counselors to improve your credit. They can offer you
advice on creating repayment plans, saving goals, and future
financial strategies.
Personal Loans
You can also decide to use a personal loan for debt
consolidation and reduction. With interest rates typically lower
than credit
card rates, you can reduce your payments by
hundreds. One payment also makes it easier to pay than several
small bills.
With an unsecured personal loan, you will need to have decent
credit and steady income. Once you pay off your other debts, you
can decide to leave those accounts open for emergencies or close
them.
Before you pay off all your bills with a personal loan, make
sure you have researched several lenders to find the lowest
rate. Also be sure that you find a rate lower than what you are
currently paying on your bills. Personal loans are usually prime
plus 2% to 5% higher.
Explore Your Options
Before committing to either option for debt and bill
consolidation, research your choices. Request quotes from
lenders to see if you can find a good rate on a personal loan,
but also talk with debt consolidation agencies to see what they
can do for you. Choose the option that can lower your rates the
most given your credit history.
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.
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