Heraclitus once wrote that “all is flux; nothing stays still”. In the home ownership arena, this change takes the form of mortgage refinancing. Studies show that the average American enters into a mortgage refinance almost every five years. Mortgage refinancing is defined as the process of taking out a new secured loan to pay off […]

One of the major factors contributing to America’s current financial crisis is the increasing amount of people who are drowning in debt! Rising interest rates, finance charges and other types of hidden fees are just some of the reasons for why many Americans are unable to get out of debt. Whether the debt is a […]

An individual who undergoes an unsecured debt consolidation plan can get out of debt much sooner than those who try their own course of action. This is due to the rate of interest reductions, lower monthly payments, elimination of additional fees and penalties.Reliable debt consolidation companies maintain relationships with many creditors throughout the country. These […]

How many times have you used the infamous words, “charge it” to finance your purchases? If you’re like most people, the answer is probably one time too many! Credit debt has a tendency to pile up rather quickly, making it extremely difficult for you to have control over your spending habits. Some consumers tend to […]

Stretched beyond their financial limits and struggling to pay their credit card balances, indebted consumers may find it difficult to see the end of the tunnel. Whether it is calls from collectors, over limit and late fees, denial of credit, or high interest rates, overburdened cardholders can regain control of their finances by seeking credit […]

The importance of having a good credit score cannot be stressed enough in this day and age. For starters, your credit score bears the greatest factor in the decision banks and other lending institutions make to extend credit. The truth is that being able to borrow money is extremely essential in the world we live […]

Spiraling credit debt is a casualty of modern times, and this is particularly evident in the U.S., where the typical household is burdened with a credit debt averaging $8,400. For the millions of Americans caught in this dangerous cycle spawning substantial fees and finance charges, credit debt reduction becomes imperative for financial survival. To regain […]

Credit cards are an alternative method of payment to cash that gives you flexibility and convenience in managing your personal finances. These cards are issued by various private companies and financial institutions such as Visa, MasterCard, American Express and Discover. Essentially, the credit card issuers provide you a line of credit and lend you money […]

Are you in a great amount of debt as a result of over-using your credit cards? Are you having trouble managing your credit cards and overall financial situation? If you answered yes to one or both of these questions, it’s time for you to get some help. Credit and debt counseling services are offered through […]

Welcome to the Student Loan section. Over the next few weeks we will be adding articles pertaining to all the aspects of student loans, so hang tight! If you have any suggestions of what you’d like to see, just let me know! – Margie