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Dating Site review: eHarmony
Many of the better dating sites include some advanced personality matching, but none of them come close to eHarmony’s commitment to matching. You’ve heard the ads by Dr. Neil Clark Warren...”There’s a reason why singles who meet on ...
Dating Tips for the Timid
There are many timid, shy people around that have difficulties
to make a candid talk with new dates, they usually require more
time to adjust to the situation. A simple convenient answer for
them might be to go on a first date to the movies and...
Midlife Dating: Filling Your Social Calendar
If you find yourself suddenly solo at midlife wondering how to keep a balanced social life and meet other singles, you aren’t alone. Sometimes friends and country clubs are divided up in the divorce along with the possessions, or you may find your...
Speed Dating
Speed dating is a relatively new concept to dating. The idea is
that you go along to a venue that has 5-30 people of each sex,
and you have a limited amount of time to talk to each person of
the opposite sex. You have to make a snap decision as...
Why Online Dating Services Beat Traditional Personals Every Time
Personal ads are hundreds of years old. There were already personal ads in newspapers at the beginning of 19th century.
Now, with the invention of Internet, you can place your personal ad in front of hundreds of thousands of available singles....
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Debt Help Online - How To Rebuild Your Credit By Consolidating Debt
By consolidating your debt you can rebuild your credit by making
on time payments, paying off your debts, and increasing your
cash reserves. Depending on your debt load, you can improve your
credit situation within two years, enabling to qualify for
better loan terms.
Consolidating Debts
The idea behind consolidating debts into one monthly payment is
that your rates and payments will be lower. With these lower
payments, you will have an easier time making monthly payments
with enough left over to save or pay off the principal.
You can consolidate your debts with either a home equity loan or
a personal loan. Home equity loans have a tax advantage with
their interest being tax deductible. You can choose from fixed
terms or a flexible line of credit.
Personal loans also allow for debt consolidation. These
unsecured loans are based on your credit history and income
level. They also have no or low closing costs with flexible
payment terms.
Making On Time Payments
To improve your credit history, make on time payments. The
easiest way to do this is through automatic withdrawal. You can
set this up with most lenders or through your bank. Just by
making on time payments for two years, you can improve
your
credit score.
Paying Off Debts
Your debt liability is also a factor in your credit score. By
making an effort to pay more than the minimum payments, you save
on interest costs while improving your credit. Also plan on
using extra cash from tax rebates or employment bonuses to pay
down your debt.
Increasing Cash Reserves
Increasing your cash reserves can protect you from a financial
emergency and improve your credit score. Ideally, you should
have 6 to 12 months of living expenses saved.
If you don't have reserves now, start creating them before you
make extra loan payments. This way you won't have to use your
credit for any unexpected expenses.
Finding Lenders
As with any type of financial decision, you should research
lenders. Online financing companies allow you to request near
instant quotes. While you want the lowest rates, be sure that
fees are also reasonable.
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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