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Dating a Non-Christian
Be ye not unequally yoked together with unbelievers: for what fellowship hath righteousness with unrighteousness? and what communion hath light with darkness? -2 Corinthians 6:14 Any way you look at it, dating can be tricky…especially when religion...
Dating Women From Russia. Important Tips The Marriage Agencies Never Tell You
I want to share with you information that the Russian marriage agencies don't tell you on their web sites.
Many of the dating agencies tout, how young Russian women are so family oriented and will make wonderful wives and family partners....
Midlife Dating: The Gentleman Goes A-Courting
Dating! Ah, the thrill of the hunt. Ah, the thrill of the thrill. I can only understand men by a mental sleight-of-hand, like an analogy, but of course I’ve studied and had practice because my life is full of men and I also coach men. I get to hear...
Online Dating For Your City
When researching online dating services, you can locate singles
in your area, as well as across the world. While international
online dating may have its pros and cons ( The pro being that
you possibly will have to have an extensive relationship...
Updating your Resume - Some Helpful Tips
Most people don't bother to keep their resume up to date. They wait until they have serious problems or dissatisfaction with their current job, and then at the last minute they slap something together. Updating your resume should be a constant...
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Reduce Debt - How To Prevent Bankruptcy By Reducing And Consolidating Your Debt
You can prevent bankruptcy by consolidating your debt with the
help of a loan or debt consolidation agency to reduce your
monthly payments and quickly pay off your liability. But before
signing final paperwork, you should develop a financial plan and
research your options.
Goal Of Consolidation
The goal of consolidation is to lower your monthly payments so
you can pay off your debt and avoid bankruptcy. However,
consolidation only works if you make it part of a larger
financial plan. You have to be committed to reducing your
liability and saving for financial emergencies.
Once you have consolidated your loans, it is a good idea to
build a financial cushion of six months worth of cash reserves.
This ensures that you can pay cash for the inevitable financial
emergency and not increase your credit load.
Your next goal should be to make extra payments. The sooner you
can pay off your principal the less you will pay in interest
payments.
Types Of Debt Consolidation Loans And Programs
The two types of debt consolidation loans are mortgage loans and
personal loans. Mortgage loans are ideal since their interest is
tax deductible. However, you need to be sure that you have
enough equity to borrow against and that you can recoup the cost
of up front fees.
The other option is to use a personal loan. Personal loans are
based on your credit score and income. Personal loans typically
have lower interest rates than
credit cards, but are usually
higher than mortgages rates.
Instead of a loan, you can also use a debt consolidation
service. These companies will negotiate lower interest rates
with your creditors. There are no fees involved since these
companies are usually non profit. They also provide credit
counseling, offering financial advice and guidance.
Debt Consolidation Providers
Depending on what type of loan or program you choose, debt
consolidation providers are relatively easy to find. If you are
planning to use your home equity, then you will want to search
for a mortgage lender. Many lenders offer free quotes online for
easy comparison.
Personal loan lenders also can be found online. As with any
financing company, you need to research rates and terms to find
the best deal. Requesting a quote from a lender does not lock
you into a loan. Legitimate lenders will be more than willing to
provide this information to help you make a wise financial
choice.
You can also get connected with debt consolidation services
online. Some directory sites will help you find an agency in
your area or you can work with a national agency.
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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