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5 Reasons To Join An Online Dating Site
When it comes to online dating, most people look down on it.
They think it's impossible to actually meet someone you might
like, so I'm here to stop the nay sayers because online dating
is actually really fun with great results. Here are the top...
Does online dating work? Will it work for you?
Online dating has
started as a last resort of the social misfit, to one of the
most active methods to meet people. For those people out there
who have busy lives or may be dealing with a lot of shyness
issues, you should take a look at...
How to Play Your Cards Right in the Dating Game
For those who are single and searching, they can almost never
get enough of surfing the Internet on how to make the best out
of their first, second, third or umpteenth date. No elixir will
ever turn you into one instant dating macho or diva....
Stop Wasting Time Dating Women
Hey little Wuss buddy have you ever been in this situation? You met a hot chic and you hit it off right away. You exchanged telephones and talked about going out. Your on a roll, you call her to go out, she says yes. You go out, you have her...
Using an Online Dating Service
With research showing that around 30% of us are looking online
for friendship and/or romance, then using an Online Dating
Service no longer has the stigma attached to it that it used to
have say six or seven years ago.
Using online dating...
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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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