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Using finance to accelerate you financial goals can be an effective strategy when used wisely. In this category we examine a wide range of issues relating to a comprehensive selection of finance related products.
Low-doc loans on borrowed time
- By Lesley Parker
- Finance
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Responsible lending laws may bring an end to these potentially predatory financial products.
The cardinal travel points
- By Barbara Drury
- Finance
- Unrated
Should you take cash, credit cards or travel cards? Take the lot, writes Barbara Drury
Would it make sense to state that some of the best debt repayment advice is the wrong advice? It seems strange, however it is often true. Many financial planners and other financial experts will advocate paying off your debt by tackling the lowest-balance credit card first... regardless of rate. This is technique is known as the debt snowball method.
When home is a debt trap
- By Lesley Parker
- Finance
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First-time buyers are piling into the property market, aware that beefed-up Government grants are fast approaching their use-by date. But while that's been a boon for the housing sector and the economy generally, there's disquiet about how prepared inexperienced borrowers are for the challenges that may lie ahead.
HEAR "rate rises" and your thoughts probably immediately fly to your mortgage. But the fact is, it's often not the mortgage that gets people into financial strife, it's the credit card debt they're trying to service alongside it.
Reverse loans cast a shadow
- By Barbara Drury
- Finance
- Unrated
Tapping into home equity may seem like an easy way to gain extra cash but mistakes can cost you dearly.
Ask for an interest reconstruction if you suspect a bank error on your account.
Financial Oppression
- By Regis Sauger
- Finance
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Here is why so many people are in despair and suffering emotional problems related to debt. A candid explanation of how interest affects your daily life.
Infestation of sweet deals
- By John Kavanagh
- Finance
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They look like an easy solution to your credit card debt ... but balance transfers come with complex arrangements that can add to your woes.
Maxed out on bare minimum
- By Lesley Parker
- Finance
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The perils of paying the bare minimum on your credit card are being reinforced as the worsening economy threatens the job security that has given consumers the confidence to buy now and pay later - sometimes much later.
Borrowers are having to jump through hoops when they apply for home loans, as banks and other mortgage providers continue to tighten their lending criteria.
Losing sleep from too much debt? Learn how to pay off your credit card bills faster!
Anyone who has ever had to pay off a mortgage will tell you they would love to pay it off before the term, but most people will continue to chip away at their loan on autopilot. A proactive strategy can cut your loan term from 30 years to less than half in some cases. Here are 10 ways to own your home sooner.
With summer coming up, some of us are braving the high fuel prices and driving to family gatherings or favorite vacation spots. What route would you take? Any experienced road traveler will tell you that there are two ways to go: the quick way and the enjoyable way. The quick way usually involves marathon sessions behind the wheel, aggressively passing as many RVs as you can, and using the freeways to get to the destination in the quickest time possible. I've done it, and found that I need an extra day just to recover from the stress of the journey.
Handling Financial Situations As a Married, Unmarried Or Divorced Woman
- By Landon McGehee
- Finance
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Whether you are in a committed relationship or are a happy single person, you should make it a top priority to understand your finances. This article will highlight some of the key points that you need to understand to take control of your finances and your financial goals.
Online Savings Account Tips
- By Alyssa Medrano
- Finance
- Unrated
An online savings account is critical for managing your finances. It offers a good place to keep your savings and is also a good way of earning extra easy money on your cash balances.
Throughout the life of a mortgage people’s situations do change. As a result is it is always wise to get a regular ‘health check’ on your existing mortgage to see it is still relevant to your circumstances and up to date compared with other products on the market.
Good Debt Versus Bad Debt
- By Clint Maher
- Finance
- Unrated
Some people see debt as a curse, and other people see it as a friend. It can be used to make you miserable, or it can be used to make you wealthy beyond your wildest dreams. The trouble is, how do we know what is good and what is bad?
There may come a time in your life when you are asked to co-sign for a loan or credit card. If this is the case, there are several things to consider before making a final decision. Technically, you are putting yourself at risk of damaging your own credit, in the event that the loan goes unpaid.
Getting the Most Out of Your Bank
- By Bill Stone
- Finance
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Having a bank that meets all of your financial needs is an asset that many people don't appreciate. If you have a bank that doesn't meet all of your needs, however, it's pretty easy to tell. In order to get the most out of your bank, you may need to investigate the services that your current bank offers, or you might have to find a new bank entirely that offers the services that you need.