Debt settlement and debt consolidation both offer ways of reducing your debt. Debt settlement eliminates part of your loans, while debt consolidation reduces interest rates. Even though debt consolidation has the least impact on your credit score, there are cases when debt settlement is a better option.Lower DebtThe goal of both debt settlement and debt consolidation is to lower your debt. Debt settlement companies negotiate with your creditors...more
There are gems and there are duds of any business. This is true of debt management programs as well. Your money is very important to you, so you should choose a program that has the best reputation for success. Reviewing the number one debt management programs is your best option for choosing the company that is right for you.Certified - One thing all great debt management programs have are certified credit counselors through the NFCC (National...more
Refinanced mortgages have a couple of different rules when it comes to closing. For one, there is a mandatory rescission clause for primary residence mortgages that allows you annul your loan. You can also choose to close at anytime, which is beneficial if you think rates will drop in the near future.Rescission ClauseWith a rescission clause, you have three days after closing to cancel your loan if the property is your primary residence. Think of it as a "cooling off" period. If you have second thoughts, you can annul the loan and recoup nearly all the fees.Most often this clause comes in handy when homeowners are deciding to tap into their home's equity, but then change their minds. Other times, a change in job situation or home plans makes the refinanced mortgage unnecessary.Once you have annulled your mortgage, you will only have a short term hit on your credit score from the lender's background check. It will make little difference if you decided to apply for another loan in the near future.Delaying ClosingYou don't have to close your refinanced mortgage within 30 days. You can keep it open indefinitely. However, you have to weigh your choices carefully. While you are waiting...more
You can lower credit card debt through a variety of options. Consolidating your debt into one loan can help lower interest rates and monthly payments. If you need additional help, you can use a debt management or debt negotiation company. Both offer programs to reduce your debt, helping you to get a handle on your credit.Consolidating Credit Card...more
Low interest debt consolidation loans can help you pay off your debt sooner. For the lowest rates use your home equity to secure a loan. You can also find personal loans that will reduce your interest payments. Otherwise, transfer your credit balance to a new credit card account that offers 0% interest on transfers.Home Equity LoansHome equity...more
How to write a thank you letter to use after an interview, a phone interview, or even to someone who passed your name on to a hiring manager is an art that is not taught as often as it should be by placement services and others who help job seekers with finding jobs. They always cover the basics of resume writing, interview preparation, cover letter writing, how to create a reference sheet, and even how to prepare a salary history, which isn't even required that often, but how to write a thank you letter is a subject that should be covered. It is a necessary skill that puts the capstone on the interview or other contact you had, makes you appear to be thoughtful and intelligent, and puts you above the crowd.Some hiring managers are so swamped with resumes and cover letters when they post a listing on an online job bank or run a newspaper classified ad that they look for reasons to discard resumes. Having five hundred resumes in your email in box can be quite intimidating. Some hiring managers have been known to send out an automated response to all applicants letting them know that the resume was received. They will then sit back and wait for further communication. If an...more
Many reputable debt management companies can help you deal with your debt problems. You can work with a credit counselor to create your own plan to pay off bills. Companies can also help you reduce your debt through debt management plans,...more
First a little story about buying investment property. My wife and I stayed at a motel in Tucson for a week one winter. Our bill was for twice what it should have been, but since I already paid the correct amount in cash, I thought nothing of it....more
A cash-out mortgage allows you to refinance your mortgage and pull out part of your equity. Before deciding how much to cash to use, be aware of the impact of PMI and equity amounts. However, you may find the benefits of refinancing outweigh the...more
Debt negotiation and debt management/consolidation both help consumers pay off their debts through two different approaches. Each affects your credit score, payoff period, and taxes differently. Before choosing either options, be sure you understand...more
Here's a phone interview tip worth considering: smile. A smile is a magic thing, and in addition to being seen in person it can be felt from a distance. When doing a phone interview, don't think that because the person on the other end of the...more
The best debt management gives you the most financial options. By making regular payments and having a low debt to income ratio, you can access credit when you choose. If you aren't in that situation, then ask for help from the variety of debt...more
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