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Does your heart skip when the phone rings? Are you afraid to open the mail and get another letter from a debt collector? If so, you are not alone. Many Americans are in debt up to their eyebrows and most don’t even know what options are available to help them. They just struggle paycheck to paycheck, make minimum payments and watch with frustration as the interest rates eat all the payment and the debt seems to just grow. Credit counseling is one option to help deal with debt problems, but be
In the book Paradox of Choice by Barry Schwartz, he talks about how there are two types of people, maximizers and satisficers (think satisfy + suffice). I will simply quote the excellent summary from the book’s Wikipedia page : A maximizer is like a perfectionist, someone who needs to be assured that their every purchase or decision was the best that could be made. The way a maximizer knows for certain is to consider all the alternatives they can imagine. This creates a psychologically
If you are a business owner, you understand that every decision you make is a huge one. The wrong decision can mean failure for your business, while the right one can catapult it to the head of the competition. You may not realize it, but choosing a business credit card is just as critical of a decision as any that you will make as a business owner. Therefore, it is important for you to know how to compare business credit cards in order to find the one that is right for you. Credit Limits
Interchange fees are now one of the hot issues in the credit card industry. Merchants are doing their utmost to forward their efforts of having interchange fees regulated by law. Visa Inc, one of the major credit card issuers has found itself on the spot to fight off these efforts and preserve the particularly lucrative profit source: interchange fees.Interchange fees are fees every merchant is charged whenever they accept credit cards or debit cards as payment for transactions. Typically, a mer
So, you have purchased your new home and need to furnish it. Would you like to have some pointers on how to save money on home furniture? This article should provide some answers. Deciding on Where to Buy Your Furniture Once you have decided what style of furniture you want, research the furniture stores that are in your area and how their prices range. Even if you find that a store that carries the style of furniture you want is out of your price range, don’t get discouraged. Everyone
Tom Tessin Accounting/Bookkeeping Accounting/Bookkeeping are often referred to as the the language of business. Basically, what the either an accountant or bookkeeper does is translate business transactions and organize them by using a special logistics system. They create different financial forms such as an income statement, balance sheet, statement of stockholder’s equity, and the statement of cash flows. All of these are key factors in translating how your business is performing not o
James Lister For the most part its apparent people cannot come up with the money for purchasing a house with hard cash, accordingly nearly all homebuyers have to get a mortgage. A mortgage is a loan offered to an individual who needs to purchase a home and the home that the person wishes to purchase is held as the collateral for this money until the debt is entirely paid back. This is done by way of monthly payments, which also include the applicable interest rate. It is precisely the simil
Forecasts from Credit Suisse Group AG predicts that losses in the credit industry will continue to rise for at least one more year as September sees more credit card holders falling behind on their payments. According to major U.S. Credit card companies Bank of America, Citigroup Inc. and JPMorgan Chase & Co., credit card holders are still struggling with meeting their credit card payments.Along with Discover Financial Services and American Express Co., these three banks reported that write off
Ian Webber Take Control Today Credit repair does not have to take forever. True, there may be issues that time alone will heal, but there are also many powerful credit repair techniques that can yield quick, satisfying results. Given the current condition of the credit markets you cannot afford to sit back and hope that your credit reports will improve on their own. Every point on your credit score translates into a real financial impact on your life. You must take action. The investment
Did you know it is possible to earn money while you shop? It is true. Get a cashback credit card and you can. Cashback credit cards work like a normal credit card except for every pound spent on the card the issuer will pay a percentage back to you as cash for you to use as you see fit. They are still issued under the VISA, Amex or Mastercard banner. They still give you a few days to pay the balance back interest free. And sadly you still have to pay interest on any balances not paid off in
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