Debt

How to Increase your Credit Limit

Credit

If you are signing up for a credit card, you’ll be agreeing to certain terms and conditions. As well as a particular interest rate, decided by your credit rating and the credit card deal, you will be given a credit limit. This is the maximum amount you can spend on your credit card without incurring [...]

Would You Take an ARM Mortgage in this Rate Environment?

Home Loans

If you need to take a mortgage in order to buy a new home, or refinance the one that you have, would you consider an adjustable rate mortgage (ARM), or will you stick with the good, old reliable fixed rate loan? Most people have an overwhelming preference for fixed-rate mortgages, but there are still a [...]

Increasing Your Income to Payoff Debt

Debt

There’s no doubt about it, increasing your income to payoff debt can make the whole process…painful. It means having to do something that requires that you step out of your routine. You will probably have to leave your home and take on new responsibilities. But if you’re in debt, especially if you’re deep in debt, [...]

What You Should Know about Payday Loans

Debt

Nowadays it is hard to find a person who has never heard of payday loans and really the majority of people living from paycheck to paycheck applied for this service at least once. Unfortunately, life is not really easy and sometimes it brings about complications and they are always unexpected and often unpleasant. Much less [...]

Should You Use Retirement Savings to Pay Off Debt?

Debt

Are there times when you should consider using some of your retirement savings to pay off your debt? Liquidating retirement assets should never be taken lightly, but I do think there are times when doing so is the right course. Here are a few. Survival vs. Retirement If your survival is at stake, this is [...]

Paying With Cash VS Credit Cards – A Different Take

Credit Cards

What, another article debating the pros and cons of cash versus credit cards? Yes. And no. I’d like to take a look at this topic from a different angle. Sometimes the reasons we use one product or service has less to do with dollars and cents than it does with non-financial reasons. That’s how I’d [...]

Why Credit Cards for Bad Credit are Your Greatest Credit Repair Tools

Credit Cards

If you’re not sure where to begin rebuilding your credit score, consider opening up a credit card for people with bad credit. We know what you’re probably thinking: ‘He’s joking, right?’ Believe it or not, one of the most simple ways you can start the process of repairing your poor credit is by opening a [...]

Will the Fiscal Cliff Reduce Mortgage Rates?

Debt

No matter which side of the aisle you’re on, everyone can agree that it’s nice to have the elections behind us. No one likes uncertainty, least of all investors — and that means homebuyers as well. That said, there’s a new question looming in all of our heads at this point — what’s going to [...]

← Previous Entries