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12 Simple Rules for Dating
12 Simple Rules
Don't read this book if you want to keep dating the wrong people
and getting dumped!
Because after reading it, your life will change forever and
things will be DIFFERENT.
This book allows you to reach stable,...
Dating Communication Do's & Don'ts
A very important ingredient to having a superior relationship lies in good communication. In fact, it is almost impossible to have any kind of relationship with a person unless you are able to relate to him or her. The ability to communicate...
Online Dating SCAMS
Before you even think about online dating, you must know about dating scams.
This is serious: if you get too deeply involved, a dating scam can significantly hurt not only your heart, but your finances, too.
Make sure you know how to protect...
Personals - Online Dating Sites and Services
Online Dating Services Sites: Which is Which?
Online dating services are thriving after almost 10 years now.
Some people succeeded in finding that Mr. or Ms. Right through
them. Some might not. But for those who still have not lost hope
in...
The ‘Courting’ Approach Of Modern Dating
In order to get you to change yoor ineffective behaviors, you are going to have to unlearn and then learn what is actually closer to your natural reality (which is ironically what no one else is teaching). You are going to have to learn some...
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Debt Consolidation – Discipline is Required if Consolidating with Home Equity
Debt consolidation is a popular topic these days. The average American carries nearly $10,000 in credit card debt and credit card debt of $100,000 is not all that unusual. New legislation that takes effect in October 2005 is going to make it harder for those with problem debt to file for bankruptcy, so many people are trying to find ways to consolidate their debt instead. One of the most popular ways to do that is through a home equity loan, but borrowers need to be careful, as there are potential problems with borrowing against your home to pay other debts.
The concept of debt consolidation is simple. You transfer the debt from one or more high interest loans to a single, larger loan at a lower interest rate. The most popular way of accomplishing this is to transfer debt from a credit card, which often carries an interest rate of 20% or more, to a home equity loan with an interest rate of less than 10%. By doing so, you can reduce your debt payments by as much as several hundred dollars a month. Those taking out home equity loans for such purposes should be careful and be aware of the following potential problems.
Consolidating through a home equity loan trades unsecured debt for secured debt. Credit card debt is unsecured by collateral. Should you fail to pay, the credit card companies can send a collection agency after you to collect their money, but that’s about all they can do. If you transfer the debt to a home equity loan, the debt becomes secured by your home. If you fail to pay that
debt, you could have your home repossessed. For those who have problems paying their bills, this could represent a substantial risk.
Consolidating debt requires discipline. Some spenders cease spending only when their credit cards are at their limit. Transferring debt to a home equity loan clears the credit card balance and reduces it to zero. The debt still exists; the bill just comes from a different company. Once the bill is back to zero, compulsive spenders may not be able to resist the urge to spend more. This will leave them with both a home equity debt and additional credit card debt, making a bad situation even worse.
Debt consolidation through home equity loans is a great way to reduce debt. Debtors just need to be aware that they are risking their home when they do so and that additional spending discipline is required. Many debtors may benefit from simply canceling their credit card accounts once the debt is transferred to the home equity loan. Reducing debt is always a good idea. Debtors just need to make sure that they don’t run up more debt or lose their home in trying to do so.
About the Author
©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and HomeEquityHelp.net, a site devoted to information on home equity loans.
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