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Cash Advance Loans: Loan Sharks In Disguise?You have seen them on the corner and in the poorer parts of town with names like "Quick Cash", "Quick Loan", "Payday Loans", "Car Title Loans". They are starting to sprout up all over the country and will soon rival Starbucks for sheer number of locations. |
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Create Your Own Ultimate Debt Elimination PlanThe trick to paying the least amount of interest possible is to pay extra money toward the debt with the highest interest rate. Obviously you want that debt paid off as soon as you can. Each month it costs you the most. |
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Credit Card Traps, And How To Avoid ThemI have seen stores and even car dealerships make "no interest for a year" type announcements and advertisements. But when you actually read the contract (and who does that - they count on you to not read the whole thing and you probably won't understand it without your attorney) you may find that instead of the regular payments you would expect to start at the end of the no interest period, you are required to pay the full purchase price. |
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Crushing Credit Card DebtThe average American family is now over $7000 in debt just on their credit cards. That debt generates an interest charge of over $105 each month if your card charges the average 18%. If you have missed a payment or made a late payment (even by one day!), you may be paying up to 27% interest or over $157 each month. |
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Save Thousands On Your MortgageIf you were to purchase a $150,000 home with a $120,000 mortgage (80%), and you paid an interest rate of 9% for 30 years, you will have paid over $227,500 just in interest (in addition to the original $120,000). That's nearly two times the cost of the home! |
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The Credit Card OfferThe operator stated, "Your credit card rate will then be a low 15.9%. How much would you like to transfer today to take advantage of this offer? Do you have any high interest loans you would like to pay off and reduce your payments?" |
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The Proper Use Of Credit CardsCredit cards are a great way to make purchases and record to the penny your spending. They also provide a way to postpone payment on items and thereby earn more interest on your money. |
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