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  • 1. Your "Get Out of Debt" Step-by-Step Roadmap Views: 242
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    Terms of Use: Your Get out of Debt Step-by-Step Roadmap You've heard the old saying, live within your means. Easier said than done for some. The important thing is that you've reached a point where you realize your life would be a lot less stressful if you didn't have bills to worry about. Short of winning the lottery, what can you do? Here's help. Four rules to live by: 1. Be realistic! If you are spending $500 a month now on food, don't expect to cut your grocery bill t  More...
  • 2. The credit card you pick can save you money Views: 53
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    Terms of Use The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper's Checklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They c  More...
  • 3. What things should I consider when selecting a credit card? Views: 47
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    Terms of Use: Consider and compare all terms, including the following, before you select a card: Annual Percentage Rate (APR) - the cost of credit as a yearly rate. Free or Grace Period - allows you to avoid any finance charge by paying your balance in full before the due date. If there is no free period, you will pay a finance charge from the date of the transaction, even if you pay your entire balance when you receive your bill. Fees and Charges - most issuers charge an annual fee; some al  More...
  • 4. Should I pay off my credit card debt or save the money in my account? Views: 38
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    Terms of Use Most experts agree that if you're paying interest rates on the credit card debt that are higher than the interest you are earning on the money in your account at a financial institution, then you should pay off the debt. Keep in mind that you will want to have some money in your account that is readily available to you in an emergency so that you are not tempted to use your credit card and increase your debt.
  • 5. What should I do if I can't make my auto loan payment? Views: 37
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    Terms of Use: Times are tough and many people find themselves out of work and struggling to pay the bills. Faced with not being able to make the next payment on a car loan, you are concerned with how long it will be before the lender repossesses your vehicle and whether there are any other options. What do you do? 1. Inform Yourself Find your loan agreement and read it carefully. One of the clauses will detail exactly what happens if you miss a payment. Your state's law may restrict  More...
  • 6. Is it a good idea to buy credit insurance? Views: 36
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    Terms of Use: It is almost always better to insure yourself against income loss or death by purchasing regular life or disability insurance instead of credit insurance . When you finance cars, consumer goods, mobile home sales, and residential mortgages, salespeople may try to sell you four types of credit insurance: • credit property: insures against damage or loss to whatever item secures the loan • credit life: pays the loan balance in case of death • credit disability/accident and heal  More...
  • 7. Basics about debt Views: 34
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    Terms of U se High debt and misuse of credit cards make it tough to save for retirement. Money that goes to pay interest, late fees, and old bills is money that could earn money for retirement and other goals. How much debt is too much debt? Debt isn't necessarily bad, but too much debt is. Add up what you pay monthly in car loans, student loans, credit card and charge card loans, personal loans - everything but your mortgage. Divide that total by the money you bring home each month. The r  More...
  • 8. What is the Servicemembers Civil Relief Act (SCRA)? Views: 34
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    Terms of Use The Servicemembers Civil Relief Act (SCRA) provides a wide range of protections for individuals entering, called to active duty in the military, or deployed servicemembers. It is intended to postpone or suspend certain civil obligations to enable service members to devote full attention to duty and relieve stress on the family members of those deployed servicemembers. When does the SCRA protect me? Most SCRA protection begins the day you receive your orders to active duty or dep  More...
  • 9. What are credit card "grey charges"? Views: 30
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    Terms of Use Grey charges are charges made to your credit card that you may not even notice. Some examples: Remember the free magazine subscription you started receiving? It may have only been for an introductory period, then the paid subscription kicks in and your credit card is charged What about the newsletter that let you sign up for a free trial? How about an old domain name that you registered? Did the kids sign up for a gaming membership? Maybe you signed up for satellite radio   More...
  • 10. Should I close my credit card if I'm not using it? Views: 30
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    Terms of Use: With annual fees and interest rates on credit cards, you may be wondering whether to close out an account you're not using. Some are also concerned about identity theft as well as the need to simply control the amount of debt. Whatever your reason for considering closing a credit card account, here are some things to consider: If you close out a credit card that has an unpaid balance on it, your available credit (or credit limit) on that card goes to zero. Your credit score look  More...
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