Your Personal Finances

Your Personal Finances

Your Personal Finances

Your Personal Finances – Struggling under a mountain of debt is no fun. But it is a way of life for many who do not keep their personal finances in balance. Some people ignore warning signs that they really need to regain control of their finances until it is too late. Here are some quick ways to tell if you are in danger of being buried by debt. Along with some tips on how to take charge of your money problems.

Have you ever taken a cash advance on one credit card in order to make the minimum monthly payment on another card? This means that your debt load is way too high. You need to find a way to bring it down fast and restore order to your personal finances. Do whatever is required. Whether it is taking a part time job or just limiting spending to bare essentials until your financial picture improves. Commit to paying off the cards with the highest interest rates first, if possible, and the ones with the lowest balances if it is not. Set a specific time limit, such as six months, to reach your goal, and follow through on your commitment to control your finances. And do not add any new charges unless it is literally a matter of life and death.

Have you ever taken a cash advance on a credit card to make a bank deposit so that a check won’t bounce?

This is similar to using one card to pay another, only worse. This means your finances are so out of control that it is critical you find a solution. Perhaps you have not been reconciling your checking account regularly. If not, start immediately. If returned checks are a problem. Start using cash to pay for living expenses until you can regain control over your personal finances. Make all of your regular payments. Then take whatever is left in cash. Divide it up according to how long it has to last and place it in envelopes which are labeled with the purpose, such as lunches or groceries. Pay for purchases out of the appropriate envelope. Some people like this method so well that they continue to use it long after they have resolved any issues with their personal finances.

Do you have to check the available balance on your credit card before you can go to the grocery store?

Using credit cards for living expenses is fine for your personal finances if you want the convenience and can pay off the balance each month. However, many people who are struggling with their personal finances frequently charge things like groceries and gasoline. Then make only the minimum payments. This is one of the worst mistakes you can make when it comes to your personal finances. You are increasing your debt load for items that are long gone before you even receive your statement, much less pay the bill.

Is it a struggle to just pay the minimum amounts due on your credit cards each month?

This is creating a personal finance scenario where you will probably never be out of debt. Stop using your cards until you have reduced your balances and regained control over your personal finances, or find a way to earn extra income and dedicate those earnings to paying off your debt more quickly.
Some of you may have found the personal finance scenarios described humorous. Sadly, these are actually circumstances that happen more often than many want to admit. As a nation. We have never been more deeply in debt nor maintained so little control of our personal finances. But the good news is that you can remedy your situation with your personal finances and debt. It won’t happen overnight. If you are willing to work at it. You can regain control over your personal finances and eliminate your burden of debt.

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Tips to Save Money

Tips to Save Money

Tips to Save Money

Tips to Save Money – Get the feeling you are being ripped off by your current high street insurance provider or constantly being hassled to take up their insurance? Chances are you have been overcharged if you have taken up their insurance as it is far more expensive. However, do not panic because you can get out of the contract now, assuming you are within the 1 month “cooling off” period. If you are, please keep reading on and I will give you some tips on how to get the best BlackBerry insurance at the best price. Joker123.

So, how do I know the high street providers are the most expensive?

Because I used to be in your position and made the same mistake by taking out their expensive insurance. I cancelled my cover within 3 weeks as it was just too pricey and completely out of my budget. I stupidly believed that I could own a BlackBerry and that nothing would happen to it, as I am a sensible girl, so why would I do anything so silly as to drop it down the toilet? Well, luck was obviously not on my side and I did just that – dropped by BlackBerry down the toilet!! Slot Game.

As I had no insurance, there was nothing I could do other than to fork out hundreds of pounds for a new one. If only I had done more research into the best BlackBerry Insurance deals out there rather than throwing in the towel due to the steep high street insurance deals. I would have been fine, not to mention no longer broke! Game Slot.

My advice to you is this. Please don’t make the same mistake as me and think you and your BlackBerry are invincible. Keep reading on and I will take you through some helpful steps to making sure you get the best BlackBerry insurance at a fraction of the cost as compared with overpriced high street providers. Sbobet88.

STEP 1 – The best BlackBerry Insurance from Independent Companies

If you type “the best BlackBerry Insurance” into a search engine, you will most certain uncover millions of results. There are a ridiculous amount of companies out there trying to fob you the best BlackBerry insurance out there. However, if you delve further into the company having been reeled in by their catchy spiel. You will soon unveil that these companies are actually probably more expensive than the high street providers you are trying hard to avoid. Agen Sbobet.

I would advise you to research the companies carefully. It is integral the company is regulated by the Financial Services Authority (“FSA”). This should be obvious on their website. If it is not clear, it is highly likely the company is dubious. Slot Online.

STEP 2 – The best BlackBerry insurance with benefits

Do you like the idea of being able to upgrade to a new phone easily and free of charge? Well, if you take out insurance with a decent FSA regulated company you are could receive great perks such as a free upgrade to the latest BlackBerry after at least 24 months. This is something the likes of Vodafone, O2 and Orange just don’t provide and, personally. This was one of the factors which pushed me away from taking out insurance with my current network provider. This has been a great move on my part as not only will I be getting a brand new BlackBerry. I will be able to sell my old one and use the money from the sale to pay for at least 2 years worth of insurance. It is that easy! Tips to Save Money.

STEP 3 – The best BlackBerry insurance through your home contents insurance provider

You may or may not be aware that if you are a home owner you can add your BlackBerry. Into the “personal belongings” section of your contents insurance. Better still, this should be absolutely free! However, it is important to remember that you WILL lose your no claims bonus. If you ever have to make a claim. As a result I strongly advise you ask for a quote for protecting your no claims bonus. This will not be free but it will cost you only a few extra pounds and is certainly worth it!

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Improve Your Credit Score

Improve Your Credit Score

Improve Your Credit Score

Improve Your Credit Score – There are currently 42 million Americans that have a lower than a 620 credit score. If you fall under this category you might want to give some serious consideration into improving your overall credit rating. If you’re thinking about purchasing a vehicle, boat or home your credit score is going to be a very important number. You’re going to want it above 620. You’re going to want to obtain your credit score first off. Every American consumer has the opportunity to obtain one free credit report a year. So really, that’s going to be your first step but if you find out that your credit rating could use some help than here are some steps that you can follow so you can improve your score. Slot Game Online.

1. If you don’t have a credit card, get one

You know the saying, “It takes money, to make money.” Well the same could be said of credit. Basically it takes credit it in order to get a mortgage. Car loan or loan so if you don’t have any credit it might be wise to establish some sort of credit. The first step, within this step would be to go to your bank and try to open up a credit card. If you’re having problems getting started and your financial institution won’t open up that initial credit card than you might want to look into opening a secured credit card. Slot Online.

2. Open up a small installment loan

Another way to establish credit is to open up a small installment loan at the bank. Make this loan a small one, just enough so you can easily make the monthly payments and establish some credit. Most banks approve a smaller installment loan fairly easily for most consumers. This a great way to get started in the right track. Agen Sbobet.

3. Use your cards sparingly

Once you have obtained your credit card or credit cards racking up big balances on your cards looks bad on your credit report. Your credit scores actually get dinged if you keep your balances up to 80% to 100% of your limit. Even when you make the payments on time it will still look bad. It’s better to keep your balances at 10% to 30% of the total maximum limit so if you’re above 50% you might consider paying down those balances to get them below 50%. This could really assist you in your journey towards lower interest rates. Sbobet88.

4. Pay down your credit cards but don’t close them

You don’t want to close your credit cards but you want to keep the balances low. Closing your credit cards looks bad because a big factor that weighs in on your credit rating is the length of you’re credit history and how long you’ve actually had the account opened. So if you cancel a credit card with a lengthy credit history you actually lose the history with that credit card. Game Slot.

5. Fix mistakes on your credit report immediately

By now you’ve seen the commercials online for a free credit report. You know that you can obtain at least one credit report per one month time. If you get your credit report make sure that you analyze it and find out if there are any blemishes on it. Fix the mistakes as soon as you see them because fixing credit card mistakes can be lengthy process so the earlier the better when it comes to your credit report. Slot Game.

Of course there are a few other tips and steps that were not included on this article but it’s very important that you do everything within your power to make sure that your credit rating is as high as possible. Challenge yourself to find other creative ways to improve your credit rating. Joker123.

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Teaching Kids About Money

Teaching Kids About Money

Teaching Kids About Money

Teaching Kids About Money – Have you ever wondered how early to start teaching your children about money? Do you already have an allowance set for your kid? Have you and your children talked about saving, sharing and spending? My husband and I tried to get in the routine of giving our child an allowance money she can spend, save and share. She has a bank account she started by herself at our local credit union. It was a very powerful message to show her the importance of saving for the future.There’s so much more to money than saving and spending. If you are wondering whether you should start an allowance or money rewards program for your children, here are some simple suggestions to consider:

1. Choose your words for maximum effectiveness:

Talk to your children about your decisions on how to spend your resources. It’s a lot more effective to tell a 7 year-old that the overpriced toy she wants “is not the way we are choosing to spend our money today” rather than to argue with her about the fact that the toy is too expensive or about the fact that she doesn’t need another toy. Slot Game Online.
It helps you put spending money in the arena of responsible choices and it clarifies for the child that you wouldn’t buy no matter how much it costs!

2. Share your banking experiences with your children:

When you have a trip planned to the bank, take your 3 year-old with you and explain what you are doing. You can talk with him about how the only way to have money in the bank to spend is to put money in. Slot Game Online.

If you are using an ATM be very clear that the only reason the machine will give you money, is because you have first put money in. Following this strategy avoids the idea some children have that there’s some kind of “magic” at work and that the bank gives you money just “because”. Teaching Kids About Money.

The use credit cards is another conversation that is important to have. I have heard many children say things like “my daddy’s credit card never runs out of money” or ” what do you mean you can’t buy that? Just use your credit card?”. It’s clear that unless we explain to our children how a credit card works and the best use for them, our children think it’s just a way to get money out of “thin” air!

3. Share your financial situation with your kids in an honest, age appropriate manner:

Make sure that if you are experiencing financial setbacks. That you share with your children in a simple yet clear way what is happening. For example, if you have found yourself without a job, explain to them that as a family. You may have to make some adjustments on the choices of how you spend your money. Slot Game Online.
Invite them to come up with ideas on how they can be part of the adventure of saving money. You may be amazed at how creative they can be while at the same time taking ownership for the process!

4. It’s OK for your child to ask you for anything they want:

This is one of the toughest lessons for parents, especially those raising very young kids. It’s OK for our children to ask us for anything they ever want: they are bombarded with advertising that tries to convince them. How they will only be happy if they bought every single thing they see on TV! Slot Game Online.

Many kids- especially young ones-have a hard time differentiating between wants and needs. Without losing your cool, allow them to ask and stick to your prepared response. “We are choosing to spend our money a different way”.  “We are here only to buy groceries”or some other phrase you are comfortable saying. Try not to say “we can’t afford that” or “that is too expensive” because all that does is encourage them to find something else cheaper to ask you to buy!

5. Teach your kids how to use their resources wisely:

Many people are finding that using thrift stores. Consignment shops or even buying things on Craig list is not only a smart way to use your financial resources. But also a practice that helps the very young kids can understand that buying certain items used. Or at discounted prices can save so much packaging from going to our landfills. Emphasize the “go green” trend! Slot Game Online.

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Leasing Property for Hunting

Leasing Property for Hunting

Leasing Property for Hunting

Leasing Property for Hunting – Wild-life recreation is one of the popular outdoor activities in the United States of America. According to the National Survey of Fishing, Hunting, and Wild-life Associated Recreation, 91.1 million Americans (around 38% of the U.S population) participated either in hunting, fishing or wild-life watching in 2011. They spent around $145 billion towards these activities for equipment, trips, licenses and fees, membership dues, land leasing and ownership, etc. Slot Game Online.

The rise in the number of licensed hunters and anglers over the years has consequently increased the demand for high quality hunting lands. This created a market benefiting the land owners who can lease their lands for hunting. If you are one of them planning to lease your land for hunting, here are some important things you need to consider. Slot Game Online.

Knowledge on state hunting laws

Every state has a distinct set of hunting laws. It is, therefore, essential for you to go through the hunting regulations of your state to have better idea about what to do and what not to do. Before leasing your property for hunting. Along with state hunting laws, find specific regulations for various game species. Latest changes in the hunting laws, trespasser laws, etc. Slot Game Online.

Evaluate your property

In order to know how marketable your land is for hunting and to determine the expected revenue, you need to evaluate your property properly. You can begin with determining whether or not you have sufficient acreage to support hunting lease. Although there is no minimum size, hunting leases can be as small as 20 acres and could range up to several thousand acres. The larger the size of the tract size, the higher will be price of the lease. If you own small tracts of land, you could pool it with neighboring hunting lease lands to form large hunting leases. Slot Game Online.

Number of hunters allowed

Your total acreage helps you determine the total number of hunters allowed on your site. Few state laws regulate hunting zones, hunting seasons, and bag limits. They don’t allow more number of hunters than the game supports for a given piece of land. Limited access not only helps you control the movement of hunters but also helps conserve habitat. Slot Game Online.

Types of game species on the property

Before leasing your land, it is important to make note of all the game species on your property. Try to determine types of the wildlife species available in your land, their number and how they are multiplying. Typical game species include white-tailed deer and wild turkey which are termed as big games and small game species include doves, water fowls, bobwhite quails, rabbits, squirrels, pheasants, etc. Slot Game Online.

If your property is habitat sparse, you better go for habitat management before leasing hunting rights. Make sure that your property provides the wildlife basic needs like year-round food supply, water, places to rest, etc. Also, be familiar with the life cycles of the animals and take steps to support the wildlife habitat. Slot Game Online.

Prefer quality lessees

Besides making everything perfect from your end, it is also important to ensure that the hunters are also in sync with your expectations in order to make a friendly and a profitable deal. You should be very careful while leasing your property. Whether it is an individual or a group of hunters, make sure that they are all well-organized. Choosing quality lessees helps you avoid further problems in managing the lease. Slot Game Online.

Hunting lease contract

Gone are the days when a mutual handshake used to serve as the hunting lease agreement. Over the years, written hunting lease agreements are widely in use. In general, a hunting contract is an agreement between two parties, the lessor and the lessee, which grants hunters permission to hunt in the property for a specified period of time. The lease document specifies the purpose of the lease, terms and conditions, amount of rent, transferability, and so on. A well drafted lease agreement often avoids misunderstandings among the parties involved. Slot Game Online.

Liability insurance

Land owners are required to provide reasonably safe hunting lands. If any accidents occur, you are legally liable. So, in order to protect yourself from the risk of liability claims, which could amount to several thousands of dollars, you need to carry adequate liability insurance. Typical hunting lease liability insurance covers risk to every member participating in the hunting. The price of the policy and premiums vary based on acreage. Slot Game Online. Hope, these things help you to take informed decisions while leasing your lands for hunting. Slot Game Online.

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Good Investment Decisions

Good Investment Decisions

Good Investment Decisions

Good Investment Decisions – Investment can be explained as a process where people put money into something for gaining a profit. No matter whether it is for firms, governments and households. Savings are very important for retirement years when your income will be zero but your expenses will only increase. Good Investment Decisions. The best way to create a healthy nest egg for retirement years so. You may relax and enjoy a leisurely lifestyle is to invest with care. Slot Game Online.

An investment comes with many risks involved in it. Because in this the chances of losing money are not under the control of the owner. There is always the chance of loosing all your money in some bad investment and coming up a loser. One way to avoid that is of course is to spread out your investment in different ventures. It is always a good idea to spread your eggs in many baskets than keeping it at one place. So invest in different kind of ventures, stocks, funds, annuities, insurance etc to reduce risks. Slot Game Online.

Type of Investment

For getting a future interest from it. Investment is different in both economics and finance. Mentioned below are some of the types of investment:

  1. Cash investments: In these investments bank accounts, treasury bills and certificates of deposit are included. Slot Game Online.
  2. Debt Securities: This particular form of investment gives returns in the form of fixed periodic payments. Slot Game Online.
  3. Stocks: Purchasing stocks or equities will make you a part-owner of the business and provides you with a share of the profits delivered by the company. If we compare stocks with bonds we will find it more risky. Slot Game Online.
  4. Mutual funds: This type of investment can be explained as a collection of bonds and stocks which involves in it paying a professional to select a proper security for you. The main advantage is that you do have to think of tracking the investment. Slot Game Online.
  5. Derivatives: These can be explained as financial contracts, the cost of which are derived from the value of assets like commodities, equities and bonds which forms their basis. It can be in the form of options, swaps etc. Slot Game Online.

Tips Making Good Investment Desicion

The following tips mentioned below are applicable to conservative investors who want to be safe with their money:

  1. Consider the size of the enterprise in which you are going to buy stock. Generally, large companies are stable and can easily handle fluctuations in the market in a better way when compared to small companies. Slot Game Online.
  2. The company in which you are investing should have an overall strong financial condition. You should keep one thing in mind that a stock’s current ration should not be less than 2. The long term debt should not cross the total working capital for industries and utilities debt should not be more than twice the stock equity. Slot Game Online.
  3. As far as the earnings are concerned the company should be stable. If a company does not report a loss for a period of more than 10 year, the chances of its being stable in the near future is quite favorable. Slot Game Online.
  4. Research about the company you are investing in is very important. You should gather information about the ability of the companies to pay dividends for the last several years. If the company has a fixed paid investment on common stock for the last 20 years or more then chances of it remaining stable in future is strong. Slot Game Online.
  5. It is really important to look into companies which earn growth. Slot Game Online.
  6. Does the stock in which you are investing have a moderate cost to earnings ratio? Find out whether the stock has exceeded 15x its average earning in the past three years. Slot Game Online.
  7. You should determine that if your stock has a moderate ratio of costs. Slot Game Online.

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Consolidating Credit Card Debts

Consolidating Credit Card Debts

Consolidating Credit Card Debts

Consolidating Credit Card Debts – A lot of credit counselors today advise their clients to take credit card debt consolidation programs. After all they believe that this credit busting option will not only help consumers pay off their credit card obligations. This bad credit repair program can also assist borrowers regain their credit worthiness and their overall financial health.
Through debt consolidation, people need not worry about high rates of interest and fees. This is because it is possible for them to find card companies that offer zero interest balance transfers card programs. Not only that. Consumers who have taken credit consolidation were also able to free themselves from all their credit worries. Slot Game Online.

Still a lot of people want to know more about debt settlement. So, below we have provided a short discussion on what this bad credit repair program is all about. Plus, we have listed below two bad credit tips that consumers can use in managing credit consolidation wisely. Slot Game Online.

The Two Methods of Consolidating Debt

Credit card debt consolidation is a credit busting program that is used to help consumers gain control over their balances. The main purpose of this program is to help consumers gradually pay off their credit accounts so that they can rebuild their credit history. Slot Game Online.

There are two common methods of consolidating debts. First, you can transfer your credit balances into a zero-interest credit card. After your outstanding balances have been merged and transferred into a new card account, you will be asked to pay charges in single monthly installments. What is good about this option is that you will only need to worry about your outstanding credit obligation. You need not worry about making large interest payments on your credit account since your new card does not charge interest. Slot Game Online.
The second method of consolidating debt is through a loan. A lender will give you sufficient funds to pay off all your balances in one full swoop. Then, you will be required to make single monthly installments to repay the loan that was extended to you. Slot Game Online.

What are the benefits of credit card consolidation? This program can actually provide you debt relief. In what way? Well,debt consolidation will only require you to make single monthly payments. So instead of juggling multiple payments, you will only need to focus only on one installment each month. This will surely help you manage your basic needs, bills and other credit payments properly. Aside from this, it can also ease your credit worries. This is because as you make monthly payments either on your zero interest credit card or your loan, you can have the assurance of gradually decreasing your balance, until you are able to completely settle your credit obligations. Slot Game Online.

Tips on Managing a Debt Consolidation Program

Below you will find two bad credit tips that you can employ in responsibly managing a debt consolidation program. Slot Game Online.

1. Be responsible in paying your installments. Always remember to make on-time and complete payments each month on your loan. This will generate a positive effect on your credit standing as consistent on time payments can help repair your bad credit history. Slot Game Online.

Another option you can take is to arrange for an automatic payment with your bank. In this option you authorize your bank to take a certain amount of money from your checking or savings account and send it as payment to your loan consolidation provider. This way, even if you have the tendency to forget your payments, you will have the assurance of paying your consolidation loan in a timely manner.Now what if you have a zero-interest credit card? Well, if you want to effectively reduce your credit balance, you can make bigger payments on your credit charges. You may decide to double or even triple the payments you make on your credit dues, as long as your budget allows you to do so. This way, you can pay off your credit obligations completely in the soonest time possible. Slot Game Online.

2. Make sure that your lender reports your payments to the credit bureaus. Even if you pay your charges on time, some lenders and card issuers may not send timely reports to the three credit reporting agencies. So before taking a loan or a zero interest credit card, ask your chosen lender or card issuer whether it provides timely payment reports to the credit bureaus. If it does, then take what it offers. If it doesn’t then you might need to find another provider. Slot Game Online.

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Save on Car Insurance

Save on Car Insurance

Save on Car Insurance

Save on Car Insurance – When you ask a friend about how much their car costs them, they usually tell you the monthly loan amount. Unfortunately, your car costs a lot more than just the loan amount. Think about it. When it comes to monthly expenses, you have gas purchases, maintenance, and car washes. Catch what I left out? Yes, car insurance that is. If you just thought about the Geico commercials you’re on the right track. 9 out of 10 people spend too much money on car insurance. Typically, this is due to ignorance and the insurance companies not providing you with the information I’m about to tell you. Before I go on, I would like to thank the University of Washington for educating me on this topic. After crunching the numbers, I have saved myself and my family over $100,000 over the long term. Slot Game Online.

Here are 10 ways you too can save on car insurance:

1- Buy car insurance and home insurance

The single best thing you should do is shop around. So many people I run into stick with one company because it’s all they know and trust. Thankfully, we live in a capitalist society, so car insurance companies are competing for your business! This means greater savings for you. Use to compare quotes from buy car insurance and home insurance. Slot Game Online.

2- Buy ar insurance and home insurance

If you can, buy car insurance and home insurance from the same company. Typically, companies provide a discount if you do this or just give you a lower rate across the board. This will save you a significant amount of money over the long term. Slot Game Online.

3- Ask about special discounts

This is another easy step. All you have to do is give your insurance company a call and ask them about these discounts. These discounts aren’t publicly advertised for good reason, they don’t want to give these discounts to everyone! Some of these discounts include: low mileage drivers, alarm installations, good student grades, completion of defensive driving courses, multiple policy holder, and good driver discount. Slot Game Online.

4- Decrease your auto deductible

This is a tricky one. I recommend going as low as possible on your deductible if you have liquid savings you can tap into if you did have an accident. A lower deductible will significantly lower your auto insurance rates. Mine is at $250. Slot Game Online.

5- Keep up a clean driving record

This seems like common sense, but even I struggle with this one! Slow down and go the speed limit! Moving violations and/or accidents add points to your license and end up costing you thousands in higher insurance costs. Keep your risk profile as low as possible. Slot Game Online.

6- Improve your credit score

This is simple, manage your money well. Carry a couple credit cards and pay them in full each month. The simple things go a long ways. I encourage you to check your credit score on a yearly basis. I use and check on a semi-regular basis. Slot Game Online.

7- Drive a boring car

The faster or higher profile car your drive, the higher insurance rate you will have. Everything from engine size to whether it’s a two or four door will impact your car insurance rates. Don’t drive a red corvette, drive a black civic, do you catch my drift? Slot Game Online.

8- Lower your coverage

Too much coverage is unnecessary. It’s just a car, nothing more. I carry a middle of the road auto insurance plan. Most people have too much coverage and never realize it. For example, comprehensive/collision insurance might not even make sense if you drive an older vehicle. This is a judgment call you will have to make. You have to think about whether or not it costs more to insure the car than it does to replace one. Then again, if you lie on the poor side of the economic spectrum, it might be wise to insure your car well in case of an accident, especially if you have low savings. Check the value of your car at . Slot Game Online.

9- Group discounts

Many times, you can get special deals though credit unions and banks for car insurance rates. A good place to ask is your employer, local financial institutions and large professional organizations. Slot Game Online.

10- Family Plan

If you can, insure your car on a family plan. This is a fantastic way to save on your monthly car insurance bill. I’ve been on my family’s car insurance plan for years. Even moving away and starting my career, I haven’t left their family plan. Slot Game Online.

Conculsion

Well, I hope you incorporate these tips! They’ve saved me thousands in long term savings and will do the same for you. Since learning of these tips and tricks, I have a very low auto insurance premium. If you were interested I drive a 2004 Acura TL with very low mileage. A typical insurance plan for my car and my age is right around $200. Because of the aforementioned bullets, I pay a low rate of $105/month. Most people don’t believe me. I even have a speeding ticket on my record! Anyways, that’s enough about me. I’d love to hear success stories in the comment section below. Feel free to shoot me a message if you have further questions on this issue. Thanks for reading. Slot Game Online.

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Lease Vs Finance

Lease Vs Finance

Lease Vs Finance

Lease Vs Finance – I’ve been in the auto industry since I was 19 years old. I started as a young salesman and worked my way into upper management at an early age. So far I’ve enjoyed my career as a “used car salesman”, haha. I think everyone would agree it’s been a tough economy for the past few years, the banking industry, the job market, it’s been down right tough on everyone. That being said, it seems over the past year that things have smoothed out a little in the auto industry, and seem to be on the upswing. Slot Game Online.

One thing that is becoming increasingly more popular, and I believe has had a significant effect on this upswing is leasing. I’d like to share some knowledge with you and offer my experience. I am an advocate for auto leasing; however, I understand it’s not for everyone. So keep an open mind, if it’s not for you than at least you can make that decision with some knowledge in hand as opposed to listening to your uncle, buddy, co-worker, or the “know it all” who in reality knows nothing about the subject. Lease Vs Finance. Slot Game Online.

Lets talk about some obvious benefits

More times than not your payment on your new car will be less on a lease than it will on a finance. Your contract term will be shorter generally 24, 36, 48 months on a lease vs. 60, 66, 72 months even 84 months on a finance. This requires a lot less of a commitment on your part and I recommend not going over a 36 month lease, anything more and it kind of defeats the purpose. So what’s all this mean to you? Less out of your pocket, maybe a nicer car than you could normally afford, or a new car every 2 to 3 years. At the very least a few more options that many people would love to have had. If this had been explained up front and they were given the option. Slot Game Online.

From my experience people like to trade their cars before they are paid off. Well before they are paid off. The rule of thumb is 42 months on avg for most people. Thats when most people on average like or try to trade out of their car. They had a baby, they need better gas mileage, they want the newest model. What ever the reason many times they are unable to trade out. Slot Game Online.

Lets assume you lease a car

After your 36 month term has matured you decide you’ve enjoyed the car and would like to keep it. What most people fail to realize you can finance the balance for another 36 months for nearly the same payment and at the end of that term the car is yours. You just bought the car and paid it off in a traditional 72 month finance term. The only difference is you had the option half way through to return the car just in case you wanted something different. AND, odds are your payments were probably a little less expensive. Slot Game Online.

Here are a few things to consider. Mileage. Many people think they drive too many miles to lease a car. If you drive more miles you can always purchase more miles up front usually for.15 cents per mile. Every mile you go past your mileage allotment you will be charged a fee per mile,.20 cents is the norm. Now there are two ways to look at this. You could be out of pocket.20 cents per mile or you could be out the depreciation of the extra miles and take that hit in your trade value. Slot Game Online.

Risking Benefits

How about that, none of the risk all of the benefits. For once you have options. There aren’t a lot of differences between a lease or fiance. The sales price can still be negotiated. You can trade in your current car even if you owe money on it. You have the option depending on your situation to put money down or not to. Maintain your car the same way, you put insurance on it, repair it if you damage it. In a nut shell a lease isn’t a bad thing. It’s just a different way to buy a car. Slot Game Online.

As I said before, it may not be your cup of tea. But maybe you have a few things to think about the next time your in the market to buy a car. In closing, remember every situation is different. A lease isn’t always the way to go, but be sure to ask for a comparison between the two. Go with the option that makes the most sense for you. Slot Game Online.

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Settle Credit Card Debt

Settle Credit Card Debt

Settle Credit Card Debt

Settle Credit Card Debt – Settle credit card debt by taking specific steps. As a matter of fact, you may be able to settle card debt quickly because you may have completed the first two steps already. This is what you need to do:

1. Stop paying on your credit cards.

Creditors will not want to negotiate with you if you are paying your bills on time. They will try to get 100% of their money if they think you have it to give. Bargaining can only start if they think they will not see a dime otherwise. If you are having been having trouble making your payments, you have probably completed this step already. Slot Game Online.

2. Ignore the threats.

A “threat” is what the collection calls and letters are called. If you fall too far behind, then your account will most likely be transferred to a collection agency. They will call and send nasty letters that may elude to them threatening future legal action. The fact is that most agencies will not take it this far because it is expensive to take someone to court. In most cases it is not worth it for them to pursue legal action. If you have been getting calls and letters that you have been ignoring for some time, you have already completed this step also. Believe it or not, ignoring the threats in the past will make it easier to settle credit card debt now. Slot Game Online.

3. Offer an amount that you can pay, and do it in writing.

This is where the negotiation process comes in, and if you want to settle your credit card debt now, I suggest you use a professional debt negotiator. Either way, a letter will be written to your creditor asking them not to contact you by phone any longer, and you will offer to pay just 25% of the debt that is owed. (When you request not to be contacted by phone, by law they cannot call you anymore.) In the letter, you will start negotiating low on your end because they will come back with a response that starts high on their end. Slot Game Online.

As you negotiate back and forth (in writing), the collectors will try to get as much out of you as possible. This is when it is great to have a negotiator working for you that is trained and has experience getting it done quickly. When you do it yourself, your lenders will play hardball and may try to make you feel guilty for not being able to pay the whole thing. If you do decide to do it yourself, when this happens do not offer them any amounts that you cannot handle because as soon as you agree to an amount, you will be responsible for paying it. Slot Game Online.

4. Stick to your guns.

If you are going through the debt-settlement process alone, your first offer will most likely be denied. This process can be a real headache, but do not get discouraged – keep negotiating. The credit card company’s job is to get as much money out of you that they can. If it seems like too much to handle, let a professional handle it for you. Many companies that settle credit card debt do not charge any fees for an initial consultation, and they require no payments from you up front. Slot Game Online.

Instead, they will roll their cost into your new negotiated payments. For example, if you owe $10,000 in total credit card debt, and your minimum payments total around $700, a professional could negotiate a lower balance of 40% ($4,000) with a 36 month repayment period. Once they knock your payments down and roll their cost in, you would only have to pay around $200 a month, saving you $500! Slot Game Online.

5. Know about your leverage.

Companies know that if you declare bankruptcy, they will not get paid anything at all. Use this to your advantage and continue to negotiate a settlement until you reach an amount you can afford. Slot Game Online.

6. Get your settlement agreement in writing.

When you come to an agreement, make sure you have it in writing before you pay anything. Also, get confirmation that the amount you are paying will truly settle your credit card debt with this lender and ensure that the end date is included. When you make the last payment, you are done. That debt is considered “settled” and “paid in full”. Slot Game Online.

7. Repeat.

If you are attempting debt settlement on your own, repeat these steps for each credit card or unsecured personal loan you are having trouble paying. If you use a service, they will handle everything for you at once. Slot Game Online.

Again, although you can do it yourself, you should sign up for a debt settlement program with a professional that will represent you. When you attempt to settle credit card debt on your own. It can be a long and drawn out process. When you get into a program, the debt-relief counselor acts as a shield between you and the collection agencies so they stop calling you and sending you nasty letters. Take the stress of yourself. Let someone who has experience handle your settlement instead. Slot Game Online.

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