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Dating..A Parents Worst Fear? It Doesn't Have To Be!
Parents with Teenagers…be Prepared!!
I am writing this brief article to parents who have or will have teenage girls. I want to share this because if necessary precautions are taken you will save a lot of pain, heartache, and tears!
At the age...
Dating Online – Can Be Less Stressful
Dating is a challenge at any age and for both women and men. Ladies worry about your hair, your make-up and whether you look fat. The men worry is their tie straight (if they wear one), do they have enough money, and whether or not you will like...
Dating Scene Got You Down? Don't Despair
How do you meet the woman or man in your life if you haven't
already done so? If you're tired of the same old dating scene,
meeting at a bar or conversing on the Internet, then I have a
few really great ideas that may help brighten your...
How Can You Tell if the Guy You're Dating is Married?
Only about 1% of married men who have affairs leave their wives, and many men cheat on their wives. With the Internet, there’s even more chance to be elusive in the early stages. Of course you’re concerned and want to know if that guy you just met...
Things to Watch Out for When Dating Online
Things to Watch Out for When Dating Online! By Jonathan Striem As much as we like meeting new people online, there will always be those who are out to try to make money. Unfortunately some of these individuals will start sending spam to your email...
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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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