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Considerations for the Second-Time Homebuyer
A great deal of attention is focused on the first-time homebuyer
but from my experience the stress-level is much higher for the
person(s) looking to buy their second home. Not a second home as
in a vacation home but a second home as in moving up...
Key Terms to Know When Buying a Home
Turn your dream of home ownership or moving up into a reality,
but do it right. The real estate market is a difficult one, and
should not be entered casually. There are so many legal/real
estate terms, contracts, listing agreements,...
Mortgage Prepayment Penalties - Just Say No
One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for...
The Seller's Guide to the Buyer's Eye
The Seller’s Guide to the Buyers Eye A strong tendency towards a sellers market will continue until the baby boomers finish the cycle of buying and selling real estate, estimated to end in 20 years, according to the Senior Real Estate Association....
What you need to know about debt negotiation on credit cards
Debt negotiation on credit cards is often referred to as credit card debt settlement. Whenever you make a credit card payment- or even pay your utility bills- it usually gets reported to one- or all- of the three main credit agencies. This...
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Debt Elimination 1
If you have multiple debts, you may well be wishing you had a debt elimination wand to wave and make all the debts disappear. You would probably wish even harder for that magic wand if you were falling behind with, or at least struggling hard to keep up with, the monthly payments on those debts.
The notion of debt elimination, though, is in most cases a fanciful one, at least in the short term. If you have debts of $15,000, where will you suddenly find $15,000 for the elimination of those debts? If you have debts of $30,000, how can you suddenly just wipe out that amount? Realistically, you have little hope of reducing your debt balance to zero in the short term, if your debts are anything like that sort of level. Unless they win the lottery, or come into some inheritance money, the average person cannot suddenly find such sums.
If your debt situation is really bad and out of control, then you may be considering bankruptcy. That may wipe out your debt, but it can be a very unpleasant process to go through. The laws vary greatly between countries, but can sometimes be quite draconian, and greatly inhibitive for your future actions relating to money. Debt elimination by bankruptcy is an extreme which, if at all possible, is to be avoided by those who have pride and
wish to make a genuine attempt to resolve their debt problems and plan a better financial future.
Also, if you have debts out of control, you may be considering debt negotiation. While this will not lead to debt elimination, it may help reduce the immediate pressures and make it easier to eliminate those debts some time in the future.
Of course, with lower amounts of debt, you have more of a chance, so it really does depend on both the debt level and your personal situation as to whether it is feasible to reduce your debts to zero in the foreseeable future. In the longer term, it is definitely possible, but there again the difficulty level will depend on the amount of debt and other personal circumstances.
What Are The Steps To Eliminate Debt?
Your precise steps to debt elimination will depend on your current financial situation and other personal circumstances. However, there are some broad steps that you can follow which can help you achieve debt elimination with patience and determination.
The follow up article will discuss the steps you can take to eliminate personal debt.
About the Author
Roy Thomsitt is the owner and part author of http://www.eliminate-credit-card-debt-now.com
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| Negotiation - Wikipedia, the free encyclopedia |
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| Global Trade Negotiations Home Page |
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| Principled Negotiation |
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| Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
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| Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
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| Apache Content Negotiation |
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| JobStar--Salary Negotiation Strategies |
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| PON Clearinghouse |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
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