Debt

The Right Approach to Personal Loans

Personal Loans

“I need a loan to get some renovation work done on my home. We will soon be having a baby come into the family and I want to be prepared before the baby can arrive. Plus I would also like to get the ageing motor of my car repaired and/or replaced because I know there will be a lot of use for it once the baby comes. I have never taken out a personal loan and do not know how to go about it, how much time it will take for me to get the money and other details...

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Feasibility of Debt Consolidation in Today’s Market

debt consolidation

The financial spectrum throws up myriad choices or options. It is hard to discern or decipher the nuances or subtleties of each and every inference. The market movement pertaining to personal finance entails a wide variety of openings for those bogged down by debt. Loans give a natural succor in this regard. It bears no qualm about the fiscal ramifications or interpretations that it might give rise to. The gamut of debt consolidation is a ready affirmative in this regard. Pitching everything or every good you owe into one, single bill can ameliorate your path of getting out of the debt sword...

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7 Tips to Avoid Holiday Debt

Christmas Debt

The Christmas holiday season is upon us again. For many, the holiday debt from last year’s shopping has only just been repaid, if at all. We have seen the madness on the media of ordinary folk who have temporarily been transformed into frenzied shoppers, battling each other for that great deal. I would suggest that all this does not represent the true meaning and spirit of the season, but that is a topic for another day.

I would like to share 7 tips which may assist you in avoiding or at least reducing your holiday debt:

1...

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Credit Report: 4 Important Steps to Dispute the Wrong Information

credit score

If there is any wrong information in your credit report then you need to dispute it properly. Under FCRA or Fair credit reporting act, the credit reporting bureaus – Equifax, Experian and Transunion should rectify the false information that is written on your credit report. Besides this, the creditor that has given the false information on your report should make it a point to rectify it too.

You should evaluate your credit report once every year in order to see if you are having a good credit score and also if there is any mistake on the report...

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US Debt Cannot be Eliminated because of Political Indecision

US Debt

The political indecision is considered to be one of the main problems as to why the US debt issue is not going away for once and all. While the Democrats are considering the glass as half full, the Republicans are considering it half empty. That is the main reason as to why the US debt can’t be done away with. One party is trying to establish their viewpoint while the other is trying the same.

What the two parties and the politicians are failing to realize is that, the problem is what matters and solving it is too...

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How to Handle Payday Loans by Avoiding the Demerits

Payday loan

Numerous people find payday loans advantageous enough. Easy accessibility is the actual reason behind this. You neither have to produce your credit report nor your bank details to get a payday loan. However, the actual picture isn’t that pretty at all. There are several disadvantages of payday loans that every consumer must know before taking out one.

The Demerits of Payday Loans that you Must Know

Go through the following demerits of payday loans to get an idea about the exact scenario:

1. The interest rate is considerably high: Payday loans come up with extremely high interest rate...

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Essential tips to avoid falling in income tax debt – Don’t stay under the gun of the IRS

Reduce Tax Debt

There are many people who carry different forms of debt, whether mortgage debt, car loan debt, student loan debt but one kind of debt that most consumers avoid falling into is IRS debt. Income tax debt is something that is much different from that of normal debt as you can’t escape this kind of debt either through bankruptcy or any other option.

The Federal government will take stringent steps to assign debt collection agencies who will harass you until you ought to pay back your taxes...

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Don’t Spoil Your University Life by Racking Up Debt – Tips to Bid Debt Goodbye

Education Debt

University life is the most memorable period of one’s life as there are so many great experiences you can get to be a part of. Along with the financial independence, the learning and the social aspects are also a lovely part of growing up. However, amidst all the benefits of being in college or university, the only thing that weighs on the students and parents are the expenses that are involved in the entire process. Too often, there are people who overlook the actual costs that are involved in a university and it is then that they start racking up debt.

With the rise in the college costs, m...

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