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10 Red Flags In Dating Relationships
When starting a new relationship, many women (and men as well) tend to overlook some behaviors in their new partner that do not bode well for the future. Then, down the road, comes the exclamation ‘If I had only known...’. As a Psychotherapist...
Asian Dating - Respect and Honour
Honour and respect are two of the most important elements in Asian culture, and they shouldn't be overlooked when it comes to dating. For instance, traditionally, Asian women are taught at a young age to know their place around men, treat them with...
Communication in Dating
Does your dating relationship have good communication? Communication during dating is what will eventually make or break the dating relationship. If you can not talk or communicate with your loved one, how will they ever know what you expect from...
Donald Trump Rules Applied To Dating
I was reading an article about the Apprentice and some of the rules that Donald Trump and his apprentice assistants had come up with about business. While reading a lot of them I saw a huge relation to how these same rules also apply to dating as...
The Five Killer Mistakes Men Make Dating Online.
Here are the top five mistakes men make when they start to date online…and how to avoid them!
Mistake#1.
Having a Boring, Average Profile!
You have to put some real effort into your profile to make it shine above the masses.
Creating a...
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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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