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Credit Counseling

It is a practical approach to tackling all kinds of debt and these agencies offer solutions based on the credit situation of the consumer. People should understand that there cannot be a general solution to everyone’s debt issues as each individual is different. Hence, credit counseling agencies or companies can assist people on an individual basis, based on their ability to make payments, total available financial assets, total amount of debt, annual income and so on. The credit counseling agencies are present in countries around the globe and it is easy to approach any of these agencies when one is in need of their services.

It works for most people as they get to find practical solutions to their debt issues, which they can adhere to. Besides, they help the people in negotiating with the creditors and reaching settlement agreements, which make it possible for the borrowers to consolidate and reduce their total debt in due course of time. Also, the credit counseling agencies can assist the borrowers in applying for loans (both secured & unsecured), which can help

Avoid Credit Card Fraud

Keep your card safe – It is very important that you keep your cards safe and away from the reach of other people. Place your cards in a bag or wallet close to your body so that it cannot be easily snatched away. If you use a purse, make sure that it is properly zipped so that the cards do not fall off from your purse. Also, instead of carrying all your debit and credit cards with you all the time only carry those that you need.

Be cautious when using your card online – When you use your card to shop online, be careful and make sure that you only use it on websites that are legitimate and offer SSL encryption security for online payments. If the site does not provide adequate security, your card information can be stolen and the same can be used for identity theft or for making fraudulent transactions with your card.

Keep a track of your account – Opt for mobile and email alerts to keep a track of your credit card account

Payday Loan Consolidation Works

Payday loan consolidation is the solution for individuals who have accumulated huge debts. However, you need to first understand how it works.

The counselor will first evaluate your financial situation. This includes validating loans and ensuring which ones are still active. The company pays off your outstanding debts; so all your loans are rolled into one against new terms. You are then only liable to one credit agency.

A high interest rate is a distinctive feature of this type of loan. A company that works towards consolidation will first look for ways to reduce the rate of interest against which the amount that was loaned to you; thus, your loan is easier to pay back. It can also help you forgo additional charges and fees. To add, they give you sufficient time to payback your loan. So, at a lower rate and more time to pay up, your monthly installments are going to be smaller.

In payday loan consolidation too, you have two options:

· Secured loan consolidation includes securing loans against some value property such as your house or car etc. The rate of

4 Reasons Why You Shouldn’t Overlook Silver as an Investment Option

Are you searching for an alternative investment other than buying gold and prize bonds? Well, look no further because silver is the real deal.

Many people don’t realise the importance of purchasing silver bars. If you are not one of those people, you can get them from goldbullionaustralia.com.au.

Let’s take a look at some reasons for purchasing silver instead of investing in other things.

1.     Silver is Cheaper than Gold

Since silver is less expensive than gold, it is easier to purchase and store for selling it in future. Also being a hard asset, it would protect you in times of financial problems.

An average investor who is not able to afford gold can get silver instead. Silver is also a precious metal like gold, so it’s no wonder why many people will prefer it over gold.

Moreover, it can also be used as a gift. If you can’t afford a gold chain or a necklace as a gift, you can give a silver product as a present which also looks beautiful.

2.     Easy to Sell

Silver is not only easy to buy, but it is more practical to sell as well. You can find various buyers when you plan to sell silver bars. Again, the reason

Making the Most Out of Your Retirement

Are you near your retirement? Excited or worried?  Any plans in mind? There are so many ways in which you can make the most out of your retirement, and enjoy your time. After all, when you’re in the retirement phase, you are the one in charge. You do whatever you want and when you went – without others affecting or governing your life in anyway. Sounds good, right? It is, but you’re much better off when you have all of it planned properly beforehand.

Let’s go back, and think about all the major changes or events that you encountered during your 20s, 30s and 40s. Marriage, parenthood, relocations, new cities, new countries – some of the moments were filled with joy and some were despairing. During all these years, you set goals, planned for them, and then strived to achieve them.

You do exactly the same during the retirement phase: set goals and then try to achieve them. But this time, your objectives are different then what they were in the past. Your approach is pretty much the same but just keep one thing in mind: you should be flexible and adapt if circumstances change or aren’t what you expected.

Here is a

drug paraphernalia merchant account

How Can a Paraphernalia Business Accept Credit Card Payments?

 

Whether you are living in an area with legalized marijuana, or you are in an area that may soon legalize it, there are issues that can arise when you operate a legalized drug or drug paraphernalia business. From the quality of the products to the staffing, and even the payment types, the issues can be endless. But while products and staff can change quickly and easily, your ability to accept various payment types can be hard to deal with.

You must be able to accept credit card payments from your customers. Not only is it the preferred payment method for most customers, but it helps you keep those customers. Not everyone has the ability or the want to head to an ATM before they go purchase a bong or medical marijuana. You must offer your customers what they want – and what they want is the ability to pay for their goods with their plastic cards.

Now, the problem now comes with finding a payment processor that works with companies like yours. Being in the “high risk” category is tough enough, but in the drug paraphernalia industry, your chances are even lower of getting

Going Debt Free

In regards to challenging your every belief, it is a fact of the modern financial system that loans generally incur higher interest rates. For example, let’s say Ford Motor Company goes to your bank. The company pays interest that is a fraction over the prime rate, which is the lowest rate banks charge their favorite customers. You, for sure, are paying several points over the prime.

You may not be able to change the fact the bank gives Ford a better interest rate than it gives you. But you can control, to some degree, the interest rate you pay based on the amount of money you borrow.

Look at the interest schedules on your credit card bills. You will see information that tells you something like this: On the balance up to $2,000, the finance charge is 18 percent annually, while on the balance over $2,000, you pay 12 percent. Remember, these numbers are generalized.

You may owe $2,000 or more in credit card bills, but if that debt is spread over several cards with low but lingering balances, you are paying the 18 percent on every penny. And if you pay the minimum amount

Reaching Freedom From Debt

Don’t negotiate – The terms of the debt repayment are not thought by most of the people who have debt. If you have credit debt, your credit card company must be called up by you to ask for a lower interest rate. A lot of amount can be saved by doing this simple step. Forbearance can always be asked for by you on car loans, credit cards and student loans.

Don’t think “everyone is doing it” – Never assume the fact on your own that “everyone is doing it”. It is one of the ways by which you can get into trouble. It mainly comes by seeing your friends or family in debt or by seeing people buy costly electronic gadgets or clothes by using credit cards. So, don’t get yourself into it, if everyone is doing so because it will be frustrating later on to get out from it.

Thinking of paying a debt without a plan – Most of the people think that debt can be paid off without having any plan. But it is not possible to do so. Wealth can be built and debt can be paid off by making a personalized

Get Best Payday Loan

Repayment method

Now, this factor is the most important. When applying for a loan, make sure you choose the best repayment method based on your circumstances. For instance, you can give a post dated check to your lender so he could get the payment on a certain date. Or your lender may ask you to give you the account number of your checking account. In this case, the lender will just deduct the payment amount from that account. Based on your needs, make sure you ask the lender to use the right payment method.

Extension

Due to one reason or the other, you may fail to repay the loan on the due date. In this case, you can ask for an extension. Your lender may give you a 48-hour extension based on your history. However, keep in mind that you will have to pay the fees for the extension.

It’s important that you make all the payments until you have gotten rid of the loan. In case of late payments, you will have to face penalties, which you don’t want at any cost.

Valuable items

If you want to enjoy a lower

Corporate Credit Cards Work

Be aware of your company’s policies – Cardholders must familiarize themselves with the reporting and spending rules provided by their employers. Also, they must educate themselves about the policies specific to their position or department. They need to know the types and limits on making charges. It is highly recommended that cardholders must attend training sessions and be updated on the policies.

Learn how to avoid pitfalls – There are indeed a lot of pitfalls cardholders must avoid. These will include the unapproved charges that can end up hitting your wallet and combining personal expenses with business spending that may put you on a collision course with the management.

Use your common sense – The lack of simple common sense is indeed among the biggest dangers from having corporate credit cards. Prior to swiping it, ask yourself if such expense is directly related to your job.

Always secure your card – Be sure to keep your card in a safe place to avoid theft or loss. Immediately after noticing that you have lost it, report it to the authorities. This will help prevent fraudulent charges. Cardholders must be aware that when they have lost their

Hire Debt Collection Experts

When the business is developing, it will be better to have a debt collection firm for determining bad debt issues. This is because these professional have the appropriate labor and assets (and even equipments) to focus on the collection of your business. Meanwhile, you can boost the utilization of your own assets to proceed with your business operations and productions. It spares you time and cash on as the debt collection company can help for nominal charges, wiping out the need to pay separate individuals who will simply see on collecting debt from your clients.

The method of debt collection from clients varies from business to business. Some would hold up between 90 to around 120 days while others keep waiting for a year. Do remember that the longer you wait, the lower will be the chances of debt collection.

A business may encounter such clients who will not respond to the first notice. Often these clients do not react as they mostly do not have the ability to pay or they do not have any intention of paying. There will additionally be times when clients simply don’t respond as they just wish to pay whenever

Eliminate Your Debts

Arrange Your Funds

With list in hand, set aside enough money to cover the minimum payments on each debt. With the funds you have remaining, apply an additional payment amount to the debt that is on the top of your list, in other words, make two payments. If the minimum payment is too steep and you do not have enough funds for making an additional payment, move down your list to debt that you can afford to make an additional payment on.

Yes, you could go ahead and apply your remaining funds to the remaining balance on the debt that you have on the top of your list, however, our goal is to pay off your debts, not pay them down. This will all become clearer a little later on.

Set’ em Up and Knock’ em Down

Once you have started this plan, keep going until you have the first debt completely paid off. When it is gone, you can take the money from that payment you no longer have and apply it to the next debt on your list. If you had to skip the top debt, go back and see if you

Some Benefits of Payday Loans

No Strict Qualifications

Payday loans are easy to qualify for. Even if you have a bad credit score, you can qualify. All you need to do is let the loan provider know that you have a job and that you make enough money each month to pay back the loan. If you meet these qualifications, the provider will grant the loan. On the other hand, other types of loan require a lot of time consuming background checks before you get access to the loan amount. In some cases, the background checks take weeks to complete. As a result, you have to wait for a few weeks before getting the funds in your account.

No Cash Advance Limits

If you can get a payday loan, what you can do is get cash quickly that you can spend on whatever you want. On the other hand, with a credit card, the bank won’t allow you to get the cash and spend it on whatever you want. You can use the credit card online; however, if you get the cash, you will be charged a very high rate of interest. Moreover, you can’t get the same amount in

Business Credit Cards

Some business owners take matters into their own hands by funding these expenses from their personal stash. However, using personal credit cards for business ventures is a risky-business since you assume total liability. If your company, God forbid, is ever sued or goes under, you risk losing your personal possessions and the good credit rating that took you years to build.

Now what if there was a way to free up some of that needed money you are currently using to support your business, by matching some of your expenses with items your business is already buying on a regular basis? Well, there is and it is in the form of business credit cards.

In other words, if you dish out $500 cash each week on realty supplies to make repairs on your properties, but now instead you make those same purchases using business credit cards for just one month, that would temporarily free up $2000 cash from your usual operating budget.

Of course, you are responsible to pay the balances on any business credit cards you receive, but that would be over a period of time giving you enough occasion to make a profit

Drowning In Debt

Lesser are the loans to service

As you would have experienced, keeping track of several loans and trying to pay various bills by the due date is a tedious affair. Even when you have to ability to service all your debts, it is easy to miss payments when the number is large. And within no time it can balloon into a gigantic problem. When you consolidate all your debts into one or two, you get a much better perspective of your financial picture and your debt problems appear much less alarming.

Lesser is the interest outflow

Different debts carry different rates. Also, there is the additional penal interest whenever you default. When you take a single loan to pay off multiple debts, the interest payout on this new loan is almost surely lower than the sum total of interests on many individuals loans. This is a double bonanza. One, your monthly payout reduces. Two, lesser payout means more money in hand, which can be helpful in accelerating your debt reduction. So within a short period of time you will see a rapid decline in your liabilities.

Lesser is the time pressure

One of

Merchant Accounts

The various pros merchants services offer

1. Increased sales: Yes, this is right, as credit card orders are these days are larger in number than check & cash orders.

2. Faster checkout: It speeds up the checkout line because accepting credit card payment is instant and easy.

3. Cheaper than cash: It is cheaper to accept cards due to the huge order amounts.

4. Security: Dealing with cash needs more security, as the risk involved is high. Dealing with heavy amount can lead to troubles and there is also the possibility of employees giving out the wrong change amount.

5. More choices: The more payment options you offer to the customers, the more you decrease the probability of losing the sale.

The limited cons

1. Cost: Accepting credit cards involves cost similar to every other cost the business incurs. A good approach is taking it as a cost of doing business.

2. Fraud: Degree of internet fraud or risk is possible to some extent. However, such possibilities are extremely rare.

3. Charge backs: It is important to abide by the rules of credit card company’s rule. In this way,

High Rate Loans

Here are the reasons:

  1. As a business model, it is proven to be resilient and profitable. Diverse portfolio, small exposure, short term nature of the loan and catering to a sector few traditional lenders touch.
  2. With Americans’ incomes not keeping pace with inflation, and increasing illegal immigration, there is growing need for Payday type loans as more and more people live from paycheck to paycheck.
  3. While there is State level regulation on Payday practices, this form of lending is highly unregulated and as yet unchecked in any real form by Federal government. And State supervision is spotty. So no wonder new Payday type lenders are cropping up all over.
  4. Because of small loans and not much oversight, entry barriers are low.

PROS AND CONS

Pros:

  1. Easy terms, no collateral
  2. Negative credit history is not an obstacle
  3. Very local
  4. Caters to a segment of population which has no other alternatives to cover their expenditures or budgets

Cons:

  1. Very high rates of interest (although many States have Usury laws, so Payday lenders skirt it by calling these “fees” or “service charges”
  2. Addictive. Since money is easily available, there is less incentive to save and forgo certain expenditures
  3. Does not improve borrower’s credit

Payment Gateway

While the whole process of swiping the card takes not more than a few seconds, there are quite a few factors which affect the money transfer process. So choosing a proper processor is a must to make the complete process secure and fast. It should also be hassle free without any hidden charges or any other fees. Payment processing speed and security could be a deal breaker with the customer if it is not up to the mark. Accepting credit card is not enough, you should also look for a merchant account services. A few payment processing companies have a high merchant account rate but provide mediocre merchant services.

A proper Credit Card processor provides support to every aspect of your business starting from merchant account processing by providing you with merchant processing account. The processing of credit cards and debit cards with a fast response from both the front-end and backend is the key to a proper business merchant processing. The charges may vary according to the payment gateway, but you can find yourself relieved of the hassles you otherwise had to take. They take care of the details of cards along many devices like mobile

Stuck in Debt Trap

We continually hear these statements: you deserve the best, shop till you drop, just charge it, treat yourself, pay later. What sounds like a good idea ends up becoming a burden when the credit card statements come and there isn’t enough in our bank account to cover the minimum amount.

Have you ever considered how much money you spend on stuff you don’t really need? There is a huge difference between needs and wants. We might really believe that we need something when in fact, we really don’t need it, we just want it. Here is a quick list of some costly wants:

  • COFFEE – If you buy 2 coffees a day costing $1.60 – in one year you will spend $1,168.00.
  • EATING OUT – If you eat out at a restaurant once a week and spend $80.00 – in one year you will spend $4,160.
  • TAKE OUT – If you bring home food once a week and spend $40 – in one year you will spend $2,080.
  • CLOTHING – If you buy 1 new item of clothing each week and spend $50 – in one year you will spend $2,600.
  • GROCERIES – If you buy extra snacks, sweets and

Hiring Debt Collector

Every state has its own regulations that cover how debt collection is done and how the agencies work. It is important to ensure that you select a firm that adheres to Fair Debt Collection Practices Act. Moreover, the firm should be bonded and licensed to work in the locality.

Sometimes the firms use very uncouth means to collect the debts. This may raise legal cases if the debtor feels that the agency has acted in bad faith. The insurance ensures that you are not held liable for hiring the agency to collect the debts. Ensure you pick a firm that has a valid errors and omission insurance. It will act as your protection if you are dragged to court.

Once you have a list of a few companies, take time to compare their costs. Different agencies use different formulas to come up with their rates. Some charge a small flat rate mostly associated with pre-collection activities. You are then charged a contingency fee that is part of the amount collected. The charge is about 20% to 30% of the amount collected. Pick a company that offers a no collection no fee model.

Some debtors tend