|
|
|
A JOB WELL DONE. Ten Ways To Recognize & Reward Hardworking Staff
A JOB WELL DONE Ten Ways To Recognize And Reward Hardworking Staff Employees who leave one job in favor of another rarely leave for money reasons. One reason employees leave is they don?t feel appreciated or recognized for their contributions. Here...
HELP FOR ROAD WARRIORS. Ten Tips To Simplify Travel
HELP FOR ROAD WARRIORS Ten Steps to Simplify Travel Travel is a fact of life, whether for business or for pleasure. For many business people, frequent travel is a frequent event. Over time, seasoned travelers have been able to come up with ways to...
How to Write a Will
Just thinking about how to write a will is enough to put some people off. It does not have to be a morbid experience. It is a necessity and makes for good financial sense. Start by organizing what you need: outline your objectives, inventory your...
Investors: Avoid These 5 Common Tax Mistakes
For many investors, and even some tax professionals, sorting through the complex IRS rules on investment taxes can be a nightmare. Pitfalls abound, and the penalties for even simple mistakes can be severe. As April 15 rolls around, keep the...
What is Fleet Maintenance Software?
Simply put, fleet maintenance allows companies to monitor and maintain their fleets of commercial vehicles more efficiently. Fleet maintenance requires a great deal of organization and management skills. Thousands upon thousands of commercial...
|
|
| |
|
|
|
|
|
|
What You Need to Know About Debt Consolidation
Debt consolidation is often a last resort for people who are in extreme debt and trying to avoid bankruptcy. Many people who are not in danger of bankruptcy, but have debt on high interest credit cards may also choose to consolidate their debt. Debt consolidation is defined as the process of organizing loans and debts into one low-interest loan that can be paid off regularly. Consolidating debt can help someone avoid bankruptcy, and help them manage their money more wisely. Debt consolidation is also convenient because it becomes easier to keep track of debt and one is only required to pay off one loan rather than several debts. In order to consolidate one’s debt, collateral must be given. The collateral is usually the home, or a vehicle.
Central to debt consolidation is a debt consolidation company. It is important to choose the best company to fit your financial needs. As is common in any financial sphere, there are reputable companies, and companies that use underhanded methods to gain more money from the customer. Most debt consolidation companies do use honorable methods, but it is still important to know what some underhanded companies will do.
1. Some companies will wait until you are backed into a corner. If you know you are headed for financial trouble and wish to consolidate your debt, make sure your company starts working on it right away. Some companies will delay in debt consolidation so that the customer gets in more debt and therefore has to pay the company more money in the long run as well as short term. A customer who has to consolidate debt or else face bankruptcy can be forced to pay
extremely high refinancing fees or debt consolidation fees.
2. Some companies will also charge exceptionally high debt consolidation fees to people who have high interest loans. Sometimes these fees can be extremely close to, or at the state maximum for mortgage fees. It is important to know how much companies are able to charge you, and compare that to what a company is offering. The lowest price is generally the best idea. Always be on the look out for unnaturally high fees because some companies will attempt to scam you.
3. Last, and certainly not least, you should be aware of companies practicing “predatory lending.” Predatory lending is a practice by some unscrupulous companies to allow their customers to become so in debt that no other company will help them. This is a way that a company can control you and make sure to make significant financial gains from your misfortune. Any debt consolidation service that attempts to control you is not a good service.
The decision to consolidate one’s debt is a very important decision. It is important to understand this fact when looking for a company. Knowing how companies will try to make extra money at your expense is imperative to having a successful debt consolidation experience. Choose the best company and you will notice a positive outcome. Debt consolidation is a wise option for people with nowhere else to turn, but it must be a well-thought-out, educated decision.
About the Author
Bill Thompson is interested in a variety of financial topics, but focuses on debt consolidation.
|
|
|
|
|
| Online Organizing.com |
| Welcome to OnlineOrganizing.com!. Get Organized! Find the best organizing products, free tips on taming your clutter, an online newsletter, ... |
| www.onlineorganizing.com |
|
| organizetips.com - organized, time management, planners,tips,Tips ... |
| Get Organized,Organizing ideas, Tips, daily,chore lists,planners. |
| www.organizetips.com |
|
| At Home : Organizing : Take This Stuff and Store It! : Home ... |
| Our guide to the simple life, where everything has its place. |
| www.hgtv.com |
|
| Home Organizing Tips - Bathroom, Bedroom & Garage Organizing ... |
| Learn about home organizing tips for bathroom, bedroom, and garages from Home & Garden Television. |
| www.hgtv.com |
|
| Christmas Organizing | Creating J.O.Y. for Christmas |
| Offers a community of resources and support to help people get organized for Christmas throughout the entire year by creating and organizing a Christmas ... |
| www.christmasorganizing.com |
|
| Organizing - HUD |
| Organizing. [Vea la versión en español de esta página] · [Display the text version of this page] ... Organizing · Economic development. Working with HUD ... |
| www.hud.gov |
|
| Get Organized - Organizing Tips and Ideas to help you get ... |
| Free tips, ideas and articles to help you get organized. |
| www.getorganizednow.com |
|
| Management Function of Organizing: Overview of Methods |
| Organizing can be viewed as the activities to collect and configure resources in ... The following are some of the major types of organizing required in a ... |
| www.managementhelp.org |
|
| Organizing - Wikipedia, the free encyclopedia |
| In that sense, organizing can also be defined as the act to place different ... Organizing, in companies point of view, is the management function that ... |
| en.wikipedia.org |
|
| Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern |
| Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern by Julie Morgenstern. |
| www.amazon.com |
|
| Organized-Living.com - Get organized, Professional Organizer tips ... |
| Articles and tips to help individuals organize their home or work life better. |
| www.organized-living.com |
|
| How to organize your home and office, organizing tips, articles on ... |
| LifeOrganizers.com is a rich resource of office and home organizing articles, tips, and fresh, easy ideas on how to get rid of clutter from every part of ... |
| www.lifeorganizers.com |
|
| The Virginia Organizing Project |
| VOP, racism, social justice, community organizing, leadership development, living wage, grassroots organizing, sexual orientation . |
| www.virginia-organizing.org |
|
| Center for Third World Organizing |
| A training and resource center dedicated to building a social justice movement led by people of color. |
| www.ctwo.org |
|
| Welfare Rights Organizing Coalition |
| WROC of Olympia, Washington, organizes groups of women and men who are current or former TANF recipients to watch how welfare and family policy is ... |
| www.wroc.org |
|
| Self-Organizing Systems FAQ for Usenet newsgroup comp.theory.self ... |
| Frequently Asked Questions about self-organized systems. |
| www.calresco.org |
|
| Beyond Bookmarks: Schemes for Organizing the Web |
| Beyond Bookmarks: Schemes for Organizing the Web is a clearinghouse of World Wide Web sites that have applied or adopted standard classification schemes or ... |
| www.public.iastate.edu |
|
| Organizing Institute |
| Program by the AFL-CIO to train union organizers and put them in the field. |
| www.aflcio.org |
|
| SouthWest Organizing Project |
| A statewide multi-racial, multi-issue, community based membership organization. Includes information on history, campaigns, and volunteer opportunities. |
| www.swop.net |
|
| Farm Labor Organizing Committee |
| The historic contract in North Carolina opens up a new chapter in the FLOC struggle for justice and ushers in a new era in farmworker organizing. ... |
| www.floc.com |
|
|