Head Credit Debt Off at the Pass: Learn the Tricks that Make You Spend

post — William Lee @ 12:38 am — post Comments (0)
postDecember 11, 2011

In principle, most of us know the dangers of credit card debt. But in practice, avoiding all the spending traps that marketers lay for us can be an exhausting feat. Here’s a look at some strategies you can practice to avoid accumulating the kind of debt that can lead you to crippled finances and bankruptcy.

Marketers are good at what they do. That’s why we end up spending money on stuff, even though we know we were getting along just fine before we had it. And that’s also why so many of us end up adding to oru credit card debt when our intent was to do just the opposite.

Luckily, understanding some of the tricks marketers use can help you avoid spending money you don’t have on products you don’t need.

  • Beware catchwords. We’ve all seen these phrases plastered on products: “space-age polymers,” “technical fibers,” “all-natural,” “new and improved,” etc. Marketers have trained us t

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CCFSettlement Checks Are Not a Scam

post — Betty Denney @ 9:11 pm — post Comments (0)
postDecember 4, 2011

If you’ve already received a check, it’s very likely that you entered a claim before the deadline. Refresh your memory by reading up on theCCF Settlement background.

The class action’s website includes PDFs of various court documents pertaining to the case. These documents include several complaints filed in the Southern District Court of New York and signed by Judge William H. Pauley, III.

Bagging a bargain online

post — Betty Denney @ 7:48 pm — post Comments (0)
postNovember 27, 2011

This week will be a big one for investors, policymakers, home loan customers and first-home buyers as the Reserve Bank of Australia (RBA) prepares to make its next decision on whether to lower interest rates again.

But the Sydney Morning Herald reports that while one eye will be focused on the RBA on Tuesday (February 3rd), many people are apprehensive about official data out on the same day which could show that the country has slipped into a recession.

Speaking to the paper, a panel of experts said that the RBA is likely to pull down interest rates to an even three per cent, an event that is likely to be met with some joy among those looking to compare home loans and get on the property ladder.

Those on a variable rate home loan will also see their average repayments fall, which may make a possible recession slightly easier to bear.

It may also prove an opportune time to compare home loans and lock yourself into a fixed rate deal after some experts warned that the RBA is running out of room to make further interest rate cuts.

How To Get An Increase In Credit Limit

post — Betty Denney @ 5:18 am — post Comments (0)
postNovember 17, 2011

When you apply for a credit card, you may get approval for a credit card but not at the spending limit you were counting on. Credit card providers are stricter with their guidelines these days as more consumers are struggling with credit problems and debts they can’t seem to eliminate.

Credit card companies can not afford to take big risks with consumer defaults so if they are willing to offer a preliminary approval of a credit card but not at the credit card limit you needed, don’t give up just yet. There is still some hope.

Understand the Role of a Credit Score

Credit card providers will investigate the application for credit and ensure the applicant meets their eligibility requirements. In addition to have steady employment, card providers look carefully at the credit score and credit histories of the consumer. If

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