Your complete guide to achieve financial freedom. Proven tips, tools and tactics for you to achieve financial freedom. Make money, save money and effectively manage your money.

Debt Management – Loan Refinancing

Written by Dian Herdiana on 11:57 PM

Everyone falls into debt at some point of there life. A lot of these people also get their debt refinanced in order to reduce the interest cost. While if properly worked out this is no doubt a great benefit, but chances are that it is not being worked out as well as it could be. Loan refinancing is a highly complex operation and there are many variables involved. It is important to know what is available and what you are doing in order to get the most out of the deal.

A lot of people opt to have their homes refinanced. By refinancing the home mortgage with either a longer repayment option, or a lower interest rate (or both) you effectively reduce the monthly payment that you need to make. This isn’t so simple though.

If you get a longer term loan you will be indebted for a longer period of time. If the interest rate is higher on the longer period loan, then your monthly payout could be more or less, depending on the intensity o the increments. Only a same term loan with a lower interest rate is the wise option to choose.

You can also do the reverse. If you are looking to end your loan more quickly so that you can be debt free then you have to change your debt income ratio. By shortening repayment programs you will increase your monthly payments and only a lesser interest rate would compensate for this which is not always possible. Also, by refinancing for a shorter period loan you will be increasing your monthly payment liability so make sure you have enough funds to do this on a regular basis.

The important thing to do is to reduce your overall debt. As home loans carry the lowest interest rates it is usually best to extend the repayment programs even if the interest rate goes up. This way by lowering the installment you will be able to use the surplus saved to repay other, higher interest bearing, debt such as credit cards.

The underlying principle is to exchange your expensive debt for cheaper financial resources.

This Personal Finance article is provided by Articleteller - The Free Article Directory

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When Your Credit Score Become Important?

Written by Dian Herdiana on 6:15 AM

Have you ever wonder why your online application for credit can be approved in 60 seconds? Or get pre-qualified auto loan for a car without asking you how much is your income? Or why your interest rates on loans are different from the interest rates of your friends or neighbors?

Your credit scoring is the factor that affect all the above. It is your responsibility to main a good credit score. You will need to use it to get you a best available rate when come to apply for credit.

What is Credit Score?

Most of time credit score is refer as FICO score (Fair Isaac Corporation), it is a number based on the information in your credit file that shows how likely you are to pay a loan back on time, the higher your score, the less risky you are. You credit score is derived from three major credit bureaus: Exprian, Equifax and TransUnion. These 3 major credit bureaus will compile your credit report based on the information provided by the companies that gave your credit in the past. Based on the information such as your payment history, the length of your credit history and the type of credit your have and the amounts owed, the credit bureaus will generate your credit report. And based on your credit report, a number or scores will be assigned to you; this number will be range from 300 to 850. This magic number is your credit score, the higher the number the better you are.

When Your Credit Score Count?

Your credit score will play an important part when comes to applying loans or other credits, it may save you a significant of interest if you are have good credit score. When you apply for mortgage, car loan, business loan or credit card, the lender or credit company will assess how risky you are as a potential borrower, the higher your score, the less risk you pose to the lender and the more likely you will get a better interest rate for application.

You will be offered at a relatively low rate if your credit score is above 700 and if your credit score is above 760, you will get the best available rates because you are the lowest risk borrower at this high of credit score. You loan will be approved with high loan rates if your credit score is below 600, and if your credit score is really bad, you may be not be able to borrow at all.

Maintain High Credit Score

Now you know how important your credit score is and when it becomes important and you can use it as a tool to save cash. Hence, it is important for you to maintain your credit score at high level. Things that you can do to increase your credit score include:

  • Pay your bills on time

  • Keep balances low on credit cards

  • Don't open a number of new credit cards that you don't need

  • Have credit cards - but manage them responsibly

In Summary

Credit score is not just a number, it is a tool that you can control and use to save cash. It will become important whenever you need credits and it is an important factor to be considered by any financial organization before they approve your credit application. Hence, keep your credit score all time high.

This Personal Finance article is provided by Articleteller - The Free Article Directory

Cornie Herring is the Author from "StudyKiosk-Credit Basics" is an informational website on credit basics, debt consolidation and bankruptcy.

Private Loans for Every Situation

Written by Dian Herdiana on 7:22 AM

Whether you are a first-year law student or a well-established attorney, Law School Loans has a private loan program to fit your needs. Because we only deal with law students and attorneys, we have a specialized view of the financial requirements of our clients. Our private loan applications are easily completed over the phone, and you will know right away if you are approved. We are dedicated to helping you with your private education loans, private loan consolidations, bar loans, and even small business loans.

Let's face it, completing law school may be an expensive undertaking, and federal student loans usually are not sufficient to cover all of your tuition, housing, and living expenses. Our law school tuition loans are designed to help fill in the gaps so you can concentrate on your education, instead of worrying about how to pay your rent. Our law school tuition loans are credit-based, and they have a variable interest rate. The minimum you may borrow is $3,000, and the maximum is $50,000 per year with a cumulative cap of $250,000. The money you borrow may be used for any of your financial needs, including tuition, housing, or personal living expenses as long as you provide proof of enrollment in a Title IV school (any school that receives federal funding, such as Stafford loans). There are a couple of key requirements to remember, though. First, either you or a cosigner must have at least $15,000 in verifiable annual income. The second thing to remember is that you must make the interest payments while you are in school. You may defer paying the principal for up to three years after you graduate, and we offer some of the longest repayment terms available.

Once you make it through law school, you must study for and pass the bar exam. Law School Loans offers bar loans to allow you to focus on preparing for your examination. Because this may be the most difficult test you have ever had to take, we want to eliminate the stress and distractions your financial obligations may otherwise cause. Our bar loans are also credit-based with a variable interest rate. The minimum you may borrow is $1,000, and the maximum is $20,000. You may opt to begin repaying principal and interest immediately, or you may defer paying the principal for up to six months after you graduate. In order to qualify for a bar loan, you must have attended a Title IV school, and you must be registered to take the bar exam in any state. Another way we ease your anxiety with a bar loan is by disbursing it quickly. Once we receive your signed promissory note, a check will be issued to you within 48 hours.

After you pass the bar exam and hopefully find the job of your dreams, you may realize that you are making several payments each month to different lenders. It may be hard to budget and keep track of your fluctuating interest rates, payment due dates, and many lenders. Wouldn't life be simpler if you only had to make one payment each month for your private education loans? Law School Loans has a private consolidation program to assist you with this dilemma. Through our private loan consolidations, you may be able to lower the interest rate of your loans, decrease your monthly payments, and simplify your life! Our private consolidations are also credit-based. The minimum we may consolidate is $10,000, and the maximum is $250,000. We offer some of the longest repayment terms available. Oftentimes, increasing your loan term will decrease your monthly payment, allowing you to become established in your new career and really get on your feet. After all, you deserve a reward! With our private consolidations, you may defer paying the principal of the loan for up to three years after you graduate, and again, our application process is simple and quick and can be done entirely over the phone.

Law School Loans is excited about starting two new programs for attorneys. If you are interested in starting your own private practice, we are here to help with that too! We may also be able to assist you with purchasing a commercial building for your practice. We really want to be your only lender!

Law School Loans has private loan programs to help you through each step of your legal profession. We are knowledgeable about the financial requirements attorneys may have and the struggles you may face in the early stages of your career while establishing yourself as a prominent attorney. You do not need to endure these tough times alone. Let Law School Loans provide you with the financial support you need for success.

This Loans article is provided by Articleteller - The Free Article Directory


Where Does Your Money Go?

Written by Dian Herdiana on 5:26 AM

Besides the basic necessities of life, such as food, shelter, clothing, transportation, cell phones, ISPs and cable, your money may also be disappearing into taxes, credit card debt, health, life and auto insurance, college tuition, vacations, restaurant dining and other small but costly extravagances that make life worth living.

Your Standard of Living
If you have plenty of money you can easily maintain or even increase your standard of living. If you do not have plenty of money you could easily find it difficult to maintain your standard of living or even find your standard of living decreasing. Why? Because most things in life become more expensive. Year after year. Prices of things tend to go up over time but rarely do they go down. It's called inflation.

What Causes Inflation?
There are a number of factors that can cause the prices of goods or services to rise. These include increased labor costs (workers want raises and more benefits), increased material costs, increased transportation costs, increased government regulations and, of course, good old fashioned greed. That causes the producers and suppliers of goods and services to raise their prices.

Who Pays for Inflation?
You, the consumer. Producers and suppliers of goods and services whose costs have increased pass along those increased costs to the consumer (you) in the form of higher prices.

The Inflation Rate
Normally, basic inflation (the price of the things you have to have or want to have) increases at least 5% a year. Regardless of what the government tells you. An inflation rate of 5% a year means that every 10 years things will cost 63% more. Prices will rise over 60% - minimum - in a decade. And that's just at 5% basic inflation. Recently, at my local supermarket, the price of a head of lettuce jumped 25% ... in 1 week. That's an inflation rate of over 1200% on an annualized basis! My medical insurance premium jumped 22% in 1 month ... just because I had a birthday! That's an inflation rate of over 250% on an annualized basis!

What Does Inflation Mean for You?
A basic inflation rate of 5% means that if you are not earning at least 50% more than you were 10 years ago your standard of living is lower today! Plus, today people are working harder and longer ... and nobody likes to work harder and longer only to see their standard of living go down.

Inflation Fighting
If you want to maintain your standard of living, if you want to be able to afford more than just the basics of life, the fact is that you have to make at least 5% more money every year - AFTER taxes - just to stay even! And, because of inflation, if you want to be able to afford the really good things that life has to offer you have to earn or have a lot more money than that!

The top 3 ways to deal with inflation:

1. make more money

2. cut back on non-essential expenses

3. accept a lower standard of living

Where does your money go? Now you know. It goes to inflation. Inflation ... beat it or eat it.

This Wealth Building article is provided by Articleteller - The Free Article Directory

Andrew Lawrence is a former Wall St money market professional who understands money and shows you how to get more of it, at

Building an Emergency Fund and Financial Safety Net for Your Family

Written by Dian Herdiana on 7:27 AM

Financial difficulties happen to everyone. They seem to be an unavoidable consequence of life. The monthly bills such as rent, car payments, and credit card payments can be planned for and managed; however, there are unforeseen emergencies, which may not fit within your monthly budget. These emergencies can come in many forms. Sometimes they come in the form of sudden medical expenses or household repairs. With a myriad of unexpected emergencies that are possible, it is important to build an emergency fund that you can turn to in order to cover these necessary expenses when they arise.

Many of us have enough difficulty managing our monthly expenses, so it might sound like wishful thinking to have an emergency fund available to us. However, it is important to realize that an emergency fund should be considered to be a necessity. The good news is that with meticulous planning and careful spending, it is possible for the average person to create a substantial emergency fund they could dip into when necessary.

The first step in creating an emergency fund is to decide upon a goal amount. This amount will vary by person. You should take into account your monthly income as well as your monthly expenses when deciding upon this amount. This process can be time consuming but the long-term benefits of having an emergency fund will outweigh the effort involved in this process.

Try to avoid an amount that is above your means. Keep in mind that the higher your goal amount is, the longer it will take you to achieve your goal. If it takes too long to build your emergency fund, you might discourage yourself from creating a fund at all. By contrast, you do not want to choose an amount that is too low. It should be enough to cover unintended property expenses such as a car or home repair. A nice round figure such as $2000 to $4000 should be sufficient for most of us.

Another step involved with planning for an emergency fund is setting a new monthly budget. In fact, many of us do not plan out our actual expenses ahead of time, which can lead to overspending. Planning a monthly budget can be advantageous in many ways. It can decrease stress, as you will know precisely how you want to divvy up your income amongst your bills. Also, efficient monthly budgeting can help you to plan out the best method to pay off your debts. As you gradually pay off certain debts, with discipline, you can increase the monthly deposits into your emergency fund using all or part of your additional funds.

Once you have established a budget, you can decide how much of your remaining income you want to devote to your emergency fund. Saving as little as fifty to one hundred dollars a month can be beneficial. The important thing is to decide upon an amount which you can regularly manage every month.

During the process of saving for your emergency fund, you will be tempted to spend this additional money. It is important to keep in mind that you do not have to devote all of your remaining income to the emergency fund. To keep yourself dedicated to this process, it might be helpful to approach the emergency fund as if it was another monthly bill. Treating it like an actual bill will help keep you focused on your goal. Try to create a due date that you can safely meet considering all of your other budgeting requirements.

With that in mind, it is vital to understand that there might be a month or two where you might miss your due date. Try not to be discouraged by minor setbacks. Instead, you might want to consider imposing penalties on yourself, if you do not make your emergency fund deposit on time. For instance, you might consider creating a flat-rate late payment fee of ten to twenty dollars.

When creating an emergency fund, it is important to make your money work for you. One of the more obvious ways to do this is to deposit your emergency funds into a savings account. Unlike a checking account, a savings account will accrue interest; thus, the financial institution will aid you in your goal by depositing a small amount of interest into your account every month.

Another consideration is to deposit your money into a high-yield CD. Quite often, the interest accrued on a CD is financially more rewarding than it is with a simple savings account. However, this is only a financially sound option once you have accumulated $500 or more. These CDs are available in varying increments. Some end in a month’s time, others can span a year or longer; it is important to remember to roll this amount over after your CD’s term has ended.

While the idea of saving for an emergency fund might sound promising, it may not be a viable option at this particular moment. If you are currently in need of financial assistance and you do not have the cushion of an emergency fund to cover these expenses, you might need to take a loan. Fast cash payday loans can be a reasonable option in this situation. A fast cash payday loan is a short-term loan that can help you avoid the fees associated with a bounced check or a late payment. Generally, this loan should be repaid when you receive your next paycheck. Fast cash payday loans are also referred to as: instant payday loans, no fax loans, faxless payday loans, cash advance loans, same day loans, check cash advance loans, and no teletrack loans.

It is important to try to restrict the use of instant payday loans to your immediate needs. It is financially irresponsible to rely on fast cash payday loans as a long-term solution to your monetary difficulties. If you come to consistently depend upon instant payday loans to manage your monthly expenses, you could potentially end up in a deeper financial quandary than you initially had been when you took your instant payday loan.

It is important to use fast cash payday loans only to help with your short-term monetary needs; afterwards, it advisable to begin balancing your monthly budget and saving for your emergency rainy-day fund. If you have a substantial emergency fund, you will not need an instant payday loan. Additionally, once you have attained the goal for your emergency fund, you can continue to treat your rainy-day account as one of your monthly bills, allowing you to save even more money. By the time you reach your goal amount, saving money every month will feel like a habitual trait. At that point, it would be advantageous for you to continue to use this responsible habit to create a retirement or college fund.

This Personal Finance article is provided by Articleteller - The Free Article Directory

Carolyn Heidmann writes about financial services. We all need financial assistance sometimes. Many people utilize online payday loans to help solve their short-term problems; Payday Cash Advance will respond to your application in minutes.

Mortgage Scams; Did You Fall For One?

Written by Dian Herdiana on 2:52 AM

A home is the most expensive investment most people will ever own. For cash-strapped homeowners a home equity loan is a temptingly easy way to get cash. However, some home equity lenders are dishonest, and gullible consumers are at risk of losing their biggest asset. Borrowers should be wary of unscrupulous lenders and their scams to avoid losing their homes.

Financially unsophisticated homeowners, such as the elderly, members of minority groups and people with poor credit ratings, are often targeted by unscrupulous lenders using unethical lending practices.

One tactic used is called "equity stripping". In this instance, cash-strapped prospective borrowers who the lender knows cannot met the monthly payments are encouraged to exaggerate their income on the application form to help get the loan approved. As soon as the borrower fails to meet the monthly payment, the lender forecloses, stripping the borrower of all the equity in the home. Low-income homeowners should beware of lenders who encourage them to accept loans which they cannot afford to repay.

Another tactic is the balloon payment. A borrower who is falling behind in mortgage payments is offered mortgage refinancing at a lower monthly payment. However, the payments are lower because they cover only the loan interest. At the end of the loan term, the principal -that is, the entire amount of the loan -is due in one lump sum called a balloon payment. If the borrowers cannot make the balloon payment or refinance, the home is foreclosed.

Loan flipping is another deceptive practice. The company holding a homeowner's mortgage offers to refinance in order to give the homeowner extra cash, but charges high points and fees for doing so. The extra cash received may be less than the additional costs and fees charged for the refinancing; moreover, interest must be paid on the extra charges.

Home improvement scams are very common. A contractor offers to install a new roof or remodel a kitchen at a price that sounds reasonable, and offers financing through a lender he knows. Sometimes the contractor even attempts to get the homeowner to sign blank contract forms with the promise they will be filled in later when the contractor is "less busy". Often, the rates offered are not competitive, and as soon as the contractor has been paid by the lender, he has no interest in completing the job to the homeowner's satisfaction. The homeowner is left with unfinished or shoddy work and a large loan to pay off.

Credit Insurance Packing is the charging of extra fees at the closing of a mortgage. A homeowner and a lender come to an agreement on a mortgage, but at closing, the lender tacks on charges for credit insurance or other "benefits" that the borrower did not ask for and did not discuss. The lender hopes the borrower won't notice this, and just sign the loan papers with the extra charges included. If the borrower questions the last minute charges, the lender may state that the charges are standard policy for all loans, and if objections continue, the lender will claim that it will take several days to draw up a new contract, or that the bank manager may reconsider the loan altogether. Due to these last-minute pressure tactics, the loan may wind up costing considerably more than initially stated. Borrowers who agree to buy the insurance are paying extra for a product they may not want or need.

Mortgage Servicing Abuses occur after the mortgage has been closed. Borrowers get bills from mortgage companies for payments such as escrow for taxes and insurance even though the homeowner agreed beforehand with the lender to pay those items themselves. Bills arrive for late fees, even though payments were made on time. Or a message may arrive saying that the homeowner failed to maintain required property insurance and the lender is buying more costly insurance at the homeowner's expense. Other unexplained charges such as legal fees are added to the amount owing, increasing the monthly payments or the amount owing at the end of the loan term. The lender does not provide an accurate or complete account of these charges. When homeowners get tired of these tactics and ask for a payoff statement in order to refinance with another lender, they receive inaccurate or incomplete statements. The lender makes it almost impossible to determine how much has been paid and how much is still owing on the loan.

Homeowners should avoid signing over the deed to their properties to lenders under any circumstances. If a borrower is in danger of foreclosure, a second "lender" may offer to help prevent the loss of the home, if only the homeowner will sign over the property as a "temporary" measure. The promised refinancing never arrives, and the lender now owns the property. Once the lender has the deed to your property, he can treat it as his own. He may borrow against it or even sell it to someone else. The borrower no longer owns the home, and will receive no money when it is sold. The lender can treat the borrower as a tenant and the mortgage payments as rent. If the "rent" payments are late, the borrower can be evicted.

To protect against unethical lending practices, homeowners should never agree to loans beyond the means of their monthly income; sign any documents before reading the fine print; or let any lender pressure them into signing immediately. Never allow the promise of extra cash or lower monthly payments get in the way of good financial judgment. If a loan sounds too good to be true, it probably is.

Always ask specifically if credit insurance is required as a condition of the loan. If the added security of credit insurance is desired, shop around for the best rates. Keep careful records of all payments, including billing statements and canceled checks. Challenge any inaccurate charges; many companies hope that borrowers will simply not be bothered.

Hire contractors only after checking their references, and get more than one estimate for any job.

Borrowers who are financially inexperienced should consider consulting with an accountant or an attorney before signing a loan.

About the Author

H Helde likes to write articles


Think Your Way to Becoming Rich

Written by Dian Herdiana on 1:17 AM

How we think goes a long way to how successful we are in life and we have the power to change our lives in every aspect including our finances. Simply by changing the way we think can change our outlook on our financial situation and while this alone will not make you a millionaire, it can greatly improve your situation and by believing that money can come to you will give it the opportunity to do so.

Have you ever stopped to think why those who are rich keep on getting richer; one of the reasons is that they think differently about money to those who have not got money. Negative thinking brings nothing but negativity and negativity will not bring money. However, thinking positively can change many situations in life and one thing the rich do is to always think positively. Here are some examples of the outlook and way of thinking that those with money have and what those without money think about the same situation.

The average person – If it sounds too good to be true then it probably is

The rich person – It sounds interesting, please tell me a little more

While we should all be wary of scams, the rich person is more willing to seek out an opportunity to draw more money in than the person with little money, sometimes the saying “you have to spend money to make money” is true.

The average person – 95% of all new businesses fail within the first five years

The rich person – I better look into all aspects of the business and make sure I do my homework, if I want to run a successful business

Starting out with negativity in mind is not the best way to get your business up and running, providing you have looked into your new business project and got advice there is no reason to think negatively about the prospects and success.

The average person – the grass is always greener on the other side of the fence

The rich person – there is a whole world of opportunities out there just waiting for me to discover them.

The average person always allows themselves to think that they cannot do better and achieve what it is they want out of life, that only others can do that, by thinking negatively they are not giving themselves the opportunity to expand and are full of “what ifs” and “if only”

The average person - you have to have money in order to be able to make money

The rich person – you have to have a great idea in order to make money

While common sense dictates in some circumstances that to get your idea off the ground it can cost you money, a positive attitude towards the outlay of your money and the rewards it will bring you is the big difference between failure and success.

The average person – I tried that before and only failed, so it will again

The rich person – what do I have to do differently and change this time in order to for it to be a success

Again negativity comes into play; just because it didn’t turn out as planned the last time doesn’t mean that you should give up and not try again after sitting back and looking at the mistakes you made and altering for a different outcome.

All these thoughts have one thing in common a negative and a positive outlook on life and what you do with it, by simply changing your outlook you open up for yourself a whole new world and a whole lot more possibilities for you to change your financial situation.

Alan Kintel is a writer that concentrates on helping people better themselves, for cutting edge information you NEED to know check out his website at

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6 Step Roadmap of an Internet Millionaire to Achieve Financial Freedom

Written by Dian Herdiana on 6:02 AM

Here's the exact blueprint that lies on the desk of an internet millionaire, no matter what product or service he sells, in any niche market.

Want to get access to that blueprint? - here you go...

Step 1 - Goal Setting.

It is extremely important to know where you've to go. Let us assume that your goal is to make $2000 every month from your internet business.

Goal is the final destination where you want to reach. It is the final target that you want to shoot.

So make sure you clearly define your goal. What it is that you want to achieve after putting in a whole lot of efforts.

Once you know your goal, the second step is to write it down on a paper. This is extremely important if you want to succeed.

Step 2 - Plan to Reach Your Goal.

Now that you know exactly what you want to achieve, you have to create a step by step road map as to how will you achieve it.

This is known as a plan.

A plan indicates the exact steps from start to finish that you will perform to reach your final destination, that is to achieve your goal.

As per step 1 your goal was to make $2000 every month from your internet business. So your plan should include the niche market that you will target, the kind of product you will sell, how you will perform customer support, how you will go about designing and automating your website, the tactics that you will perform to get traffic to your site.

This is known as planning. Now write it down on a paper.

Step 3 - Focus on Your Goal and Work Your Plan.

You have to focus on your goal all the time. Divide your plan into daily plan and weekly plan and make sure you complete your daily and weekly tasks regularly.

Sticking to your plan and focusing on your goal will lead to success.

Step 4 - Consistency.

Be consistent in whatever you do. You should consistently apply your daily and weekly tasks.

Do not move backward. It takes time for success to appear therefore make sure you stick to it.

Do not get frightened or lazy and always be motivated. Have positive thinking and keep moving. Consistency is one of the most important steps in achieving success.

Step 5 - Persistence.

Never give up. You might come across some temporary failures or difficulties. Learn from your failures to hunt down your hidden success.

Every failure you come across will take you one step closer to your goal. So make sure you handle things with a positive attitude and always be persistent and keep moving towards your goal.

Step 6 - Efforts.

Action leads to success. Sitting and dreaming about your goal will take you no where. You have to take killer action and complete your daily plan, this will move you towards your weekly plan and finally you will achieve your goal.

Hard work pays off in spades if you move in the right direction with positive mindset. So never get frightened of working hard.

These are the exact 6 steps that every internet millionaire follows to make their dreams come true.

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How Can Setting A Simple Budget Set You Financially Free?

Written by Dian Herdiana on 9:06 AM

Budgeting is an effective way to save money, eliminate debt, and create a good financial situation for you. However, many people find it difficult to stick on to a budget. If effectively tacked, you will realize that a good budget can help you to enjoy a better financial position. In simple words, successful budgeting can ensure one a debt free life.

Creating a good financial plan is the initial step towards a strong and achievable budgeting. A good financial plan is the main key to good financial security. It is seen that most people try to reduce debts while preparing a budget. Even though this is considered a good approach, it is highly recommended that you also provide enough care for creating a good foundation for your financial security in the future. So remember to make a good plan, which can help you to build a better financial situation for long term benefits.

Good savings routine and variable expenses are considered as the two basic elements which are required to build a good financial foundation. Variable expenses refer to all those expenses which can happen unexpectedly. These expenses don’t occur in every month but are usually paid bi-monthly, quarterly, half-yearly, and even yearly. Property tax, home insurance, income taxes, clothing, vehicle insurance are some examples of variable expenses. Hence you need to put all or most of these expenses in your budget to calculate your accurate financial situation.

According to financial experts, to create a successful budget a savings plan is a must. While creating a savings plan remember to set goals which need to be achieved at least the minimum amount which is required for one to survive for two or more months time. This is a crucial strategy you need to follow to safe guard yourself against any possible financial crisis such as serious illness or loss of job.

You need to save money through variable savings and emergency savings if you need to remain debt free. These savings are considered as the base for your financial safety and help to keep you debt free.

There are many ways to save money by reducing your day-to-day expenses. Learning these simple money saving tips will help you to reduce your expenses and save you many dollars in your budget that will lead you to a good financial position.

Once you feel that you have created a balance over your income and expenses, you have prepared a successful budget for your debt free living. Now you are on your way to financial security and financial freedom. Best of Luck! Enjoy a debt free life.

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About the Author
Keisha Seaton is the owner of If you would like to read more Budgeting related articles, please visit

How to Find Financial Freedom

Written by Dian Herdiana on 6:22 AM

By: Kent Jacobson a.k.a. Mr. Success

Many people make finding financial freedom harder than what it actually is. In order to find financial freedom all you have to do is follow a few simple steps. Now of course you have to have some resources available to make this work for you, but these steps are not just for millionaires that already have everything that they need. Financial freedom can be had by people who are not millionaires. It can be had by everyday common people who know how to work within the system and get what they want. By following the steps below you will be well on your way to financial freedom.

1. To find financial freedom you need to first find out where all of your money is going every month. You need to remember to pay yourself first, and take care of everything else next. In other words, make sure that you are not taking every paycheck you get and paying off debt. You do not have to pay everything off at once. By keeping some money for yourself you will be able to live a nice life.

2. Investing automatically is one way to gain financial freedom that is most of the time overlooked. People do not want to do this because they feel like they are not getting to see any of their money; but this is the exact point. If you do not see the money you will not be able to spend the money. By investing directly from your paycheck you will ensure that your money is getting to the proper place without any being taken off of the top on the way.

3. Make sure you diversify your portfolio. In other words do not put all of your eggs in the same basket. You will want to make sure you have money in a lot of different places. The stock market, real estate, and savings accounts are all very popular options.

4. Quit wasting time and get started today. This is one problem that plagues a large percentage of the population. They always say that they are going to get started, but never seem to have the time to get around to it. Remember, as time goes by so does your opportunity to save money. Each paycheck that you spend without investing is one that could have gone towards the stock market or starting a savings account.

By following the four steps outlined above you will have a solid foundation on which to build your financial freedom. The most important thing to remember is to get started right away. Do not be afraid to make mistakes, they happen to everybody including the professionals. Just think about how great it will be to gain financial freedom!

About the Author:
Kent Jacobson, a.k.a. "Mr. Success" is a trusted authority in the success field and provides valuable success information for free through his website at: . You can also read Kent's Success Blog to find more success secrets at:

Where to Save or Lose Money

Written by Dian Herdiana on 6:32 AM

By Seyi Durojaiye

I recall a lesson learnt sometime ago about analysing my money transactions.

I had made a trip to a store where I planned to buy foam for a sofa I was making. The store was located on a busy road and in a London borough known for its ruthless parking attendants.

I found a parking bay on a side street close by. On parking the car, I decided to pay for a permit allowing 30mins – costing about 60p. After about 20mins I made my way back to the car, foam in hand and was only a few meters away when I saw a parking attendant next to my car. As is usually the case, she claimed to have already written the ticket, could not cancel it, and anyway I was a minute above my limit.

My anger, initially directed at the attendant was now at myself. As I drove home, I thought if only I paid for an hour, I could have avoided the situation. Although it would have meant having time left on the clock, my not getting a ticket would have been guaranteed. I would have saved myself £50 - parking fine - by spending £1.20.

Why did I not pay the £1.20? To save 60 pence. However, I failed to think and look beyond the present, had I analysed the money transaction taking place, it would have been clear the decision I was about to take was a wrong one.

Here is the problem, stopping to think. How many times have you stopped to think about the consequences of your daily money transactions? Rushing through life, you find yourself focusing on “big things”, not realising the “small things” count and in reality have an effect on your life in the end.

Having money is not always about earning more but about managing what you already have. You probably know the quickest way to have more money is by not wasting it, spending and saving wisely.

Understanding where you stand before, during, and after entering into a money transactions is very important. More so your daily transactions, as they can lose or save you a lot of money over time.

Seyi Durojaiye is a recognized authority who has lived through what he teaches. He sees himself as a student always learning in the school of life. His area of interests are thinking, creativity & money You can check out his web site,, or blog spot at

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Payday Loans Offer Fast Cash When You Need It

Written by Dian Herdiana on 7:08 AM

By : Brian Dolezal

Often referred to as a cash advance, payday loans are designed to provide fast cash in exchange for the borrower's promise to repay the balance upon their next payday. Whether it's an unexpected car repair, a doctor visit or simply a time when funds are a little tight, payday loans may be a short term answer to your problem.

Because they do not typically involve a credit check, payday loans are available for those who have past credit problems. Rather than focusing on the past, payday lenders look at your current situation and your ability to repay the loan. As such, you must have a steady job and a guaranteed paycheck in order to qualify for payday loans. Generally, these types of loans are not available to those who are self-employed or otherwise have unpredictable work schedules.

Upon an approval for a payday loan, you will be given cash directly by the lender. In return, you will commonly be asked to provide a post-dated check, written for the date of your next payday, for the amount of the loan. In some cases, you will be required to consent to an automatic debit from your bank account on a specific date. Unless other arrangements are made, the lender will cash the check that you provided or debit your account on the agreed upon date. In some cases, payday loans may be extended upon approval by the lender. This means that, instead of cashing the borrower's check, the loan would simply roll over for another specified amount of time. In exchange, the borrower would pay interest and possibly additional fees for this service.

In a world where so many families are living from one paycheck to the next, it is often life's unexpected events that cause a financial pinch. When this occurs, it can be very difficult to wait for the next paycheck to arrive. In emergency situations like these, the ability to obtain fast cash when you need it is a blessing. Perhaps it isn't an emergency, but maybe you have come up short on grocery money, gasoline or the electricity bill is due. Necessities, although a regular bill, often have a way of sneaking up on you.

When seeking quick cash via payday loans, you often need to provide check stubs from your current employer, along with the company's name and address. You may also be asked to state your length of employment, which will help the lender to determine whether or not your employment is steady. Due to the fact that a credit check is not typically required, verifying your employment becomes a top priority when it comes to payday loans. If you plan to submit an application, you may also need valid photo identification and a checking account.

By their very nature, payday loans are to be used for obtaining fast cash when you need it. By that same token, you should repay the loan as quickly as possible in order to avoid additional fees and interest.

The information contained in this article is designed to be used for reference purposes only. It should not be used as, in place of or in conjunction with professional financial advice relating to the use of payday loans or cash advance opportunities involving paychecks.
Author Resource:- Brian Dolezal is a contributing editor for, a leading provider of independent reviews and rankings for hundreds of consumer products. You can find out how ">top payday loan programs compare by visiting today.
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Residual Income is the Key to Financial Freedom

Written by Dian Herdiana on 6:16 AM

By: Richard Grimes

Robert Kiyosaki, author of Rich Dad Poor Dad, spoke often of how important it was to be financially free in this generation. Many of us have chosen to deny our fates and to choose a life full of success, by choosing financial freedom over financial security. While most know that on this journey, we have all learned that success is not a destination it is a journey. By mastering the keys to be financially free, one knows that it is very important to know how to create residual income, or passive income. Residual Income simply means income that keeps coming in month after month, week after week, continually without you doing any work to keep it coming in.

A great example of Residual income would be when you invest into real estate, and then you rent it out to a tenant, and every month he pays you income. This is a way most people in this world have decided to choose to follow their destiny's by letting real estate be, their vehicle to creating residual income. You could also join a network marketing company, work with them to create a business, and after you become a success, most of the time what you do in the beginning will continue to pay you, long after you stop working.

When I was in college, I was approached by a man who told me that if you want to feed a man for a day you feed him a fish. He then said if you want to feed a man for eternity, you teach him how to fish. So how do we fish, well most of us already know how, but it is that desire to stay financially secure that keeps us from moving forward. The ether that which is located between your ears, is what I would call your financial genius. If we could only learn how to use this ether in a constructive way, we would be able to reach our impossible dreams.

So is college required to be financially free, the answer is no, but nevertheless it is very important, because it could teach you things that may be helpful for you in the future. As I said before, Success is not a destination, it is a journey. For all of those who are trying to find a way to earn residual income and or passive income, the internet is full of great ideas. So instead of trying to reinvent the wheel, you must first discover your reason why. Why you want to be successful? If you do not know why you are trying to be successful, then your success won't get very far.

Some think, it is easier for the rich to get richer than it is for those who are poor. Well I have observed the very direct opposite. It is just as easy for the poor to get rich as it is for the rich to get rich. When you have nothing to lose, and everything to gain, the only place to go is up. But when you have riches, and you are too afraid to lose them, than you can only think to yourself, well what if lose these riches. Those who are on the journey to be wealthy, know that if someone was to take away all that they had today, they could start again tomorrow and gain it all back one day.

Feed a man a fish, you feed him for a day, teach him how to fish, and you feed him for life. All of you who are struggling to find your way, try starting with searching your mind, and look for what you enjoy doing. You have to focus on your dream and your reason why and seek help often. Find a good mentor, and volunteer your time, to learn everything that your mentor has to teach. Soon your financial situation will change and if you are following the right mentor you will know. Choose to be financially free, instead of being financially secure, and learn how to create residual income starting today!

Author Resource:-> Richard Grimes is an internet entreprenuer who has been working from home online since 2004. He is the author of an informative report that shows anyone step by step how to easily start work at home business making 5k a month in only 90 days. This report is considered to be a highly sought after report. We highly recommend it. Visit

"Residual Income|Passive Income Information"

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Ten Reasons Why You Shouldn't Own Dollar Denominated Bonds

Written by Dian Herdiana on 8:53 AM

By J.S. Kim

Many people think of any type of dollar denominated bonds, whether they are U.S. corporate bonds or U.S. Treasury bonds as a safe place to park your money for reliable sources of income stream. In fact, the U.S. Treasury Department on their own website, even tout U.S. Treasury Securities as a “great way to invest and save for the future.”

Many people believe this nonsense because they are advised of this by a horde of financial consultants that have zero understanding of how the political-corporate-banking triumvirate operates, and how this financial triumvirate has produced a most unattractive likely scenario for dollar-denominated bonds going forward from 2007. Many people think of U.S. Treasury bonds as safe because of the “federal guarantee”. The ten reasons below render that federal guarantee irrelevant.

And don’t think this doesn’t affect you just because you aren’t American. Non-Americans aggregately hold a lot more U.S. dollars in this world than Americans do. If you are one of those misled people, American or non-American, reading the below ten reasons can save you a lot of grief in the future.

(1) The often repeated financial consultant statement that bonds are a “safe place” to park your money, especially if you are older, is a myth. Who cares if you earn a 5% revenue stream from bonds if the currency they are denominated in loses 15% in value over that same time span?

(2) Many of those in the retirement phase of their lives are convinced to invest in longer maturity bonds because of poorer yields of short-term bonds. As the Euro gradually replaces the U.S. dollar as the international currency of choice, the longer maturity necessary to ensure a return of face value on bonds presents a significantly greater risk.

(3) As interest rates go up, the face value of bonds go down. Although Wall Street strongly expects the U.S. Federal Reserve to cut interest rates soon to stimulate a faltering U.S. economy, this is how I see it. At some point and time, the U.S. Federal Reserve will try to block global flight from the U.S. dollar by propping up interest rates, not cutting them.

(4) As the dollar loses value over time, banks and other financial institutions will increase interest rates on loans and other financial instruments to compensate for the heavy losses they are incurring on a weakening dollar. As your costs of doing business and living rise, yields from bonds won’t cut it anymore.

(5) As the massive yen carry trade continues to unwind, and the Bank of Japan takes increasing measures to strengthen the Yen as the Japanese economy continues emerging from its recession, the strengthening of the Japanese Yen in addition to the Pound Sterling and Euro will threaten dollar supremacy.

(6) While most people think that there has been no further attack on the U.S. by terrorists since 9/11, there has been a far more devastating ongoing attack - an ongoing economic war. Though this fact is not discussed at all in the mainstream media, Osama bin Laden’s has repeatedly stated that his number one goal to topple the U.S. as an economic power.

(7) In response to (6), the U.S. Federal Reserve has expanded the dollar money supply to provide funding for the war. With no end in sight to this war, we can expect the dollar money supply to continue to expand, therefore placing more downward pressure on the dollar.

(8) The U.S. has no powerful allies to keep the dollar strong. With protectionism sentiment growing stronger among the newly elected Democratic U.S. Congress, the U.S. certainly has no friends in China, the largest holder of dollar denominated debt at over $1 trillion.

(9) The largest holders of Petrodollar reserves include Russia, Venezuela, Iran and other Middle Eastern countries. Read that list again. There is not a single nation strongly friendly to the U.S. on that list.

(10) When people finally realize that (1) through (9) are true, there may be a flight from the bond market, causing bond prices to tumble.

When you realize the shakiness of your situation as a dollar-denominated bond holder, think about this. Don’t you think foreign governments and wealthy private institutions and individuals, holders of dollar-denominated assets in massively greater quantities, realize the same? When they realize the facts that I’ve laid out above and take actions, their aggregate actions will reflect poorly upon dollar denominated bonds as well.

This article may be freely reprinted on another website as long as it is not modified, changed, or altered in any way and as long as the below author byline is included along with the active hyperlink exactly as is.

J.S. Kim is the Managing Director of SmartKnowledgeU™. He has over thirteen years of experience in finance and financial services, and has earned a BA in Neurobiology from the University of Pennsylvania, a Master in Public Affairs from the University of Texas at Austin, and an MBA with a concentration in finance from the McCombs Business School, University of Texas at Austin. He is the inventor of the revolutionary MoneyPing™ investment strategies, a novel approach to learn how to build wealth, not just dreams.

To learn more about how to achieve financial freedom and investment ideas to dramatically decrease risk and intelligently increase the probabilities of 25% or higher annual returns, click the following link Advanced Wealth Planning Techniques and Achieve Financial Freedom Ideas

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How to Search for an Online Home Improvement Loan

Written by Dian Herdiana on 8:15 AM

By Dina Wilson

Online home improvement loan is meant for home improvement and its biggest advantage is that you can find it on World Wide Web. These days, coping with daily expenses is getting really difficult. At such a point of time, any kind of additional expenditure will add to your already existing worries. And an online home improvement loan can prove to be of great help to you.

The business of online lending is flourishing to a large extent. It is gaining popularity because of the convenience it caters to its customers. In financial matters, time has prime importance. With online sources, the approval of home improvement loan becomes a matter of few minutes and just some clicks. Moreover, you can easily find nominal rates due to stiff competition in the market. Make sure, you compare and contrast the various quotes offered by different lenders and then only arrive at any conclusion.

Before opting for online home improvement loan, you should be aware of your need well and borrow up to a limit, which you can repay easily.

While searching online for home improvement loan, you need to be extra cautious as with any other dealing you opt to conduct online. Your information is often of a sensitive nature, you need to make out that the lenders website is securely accessed. The lender should firmly process your data, and mostly, you will know whether your information is safe. Online home improvement loans are often offered on the basis of collateral. Online home improvement loans are very progressively increasing, so chances of you getting a loan that is suitable for all your needs.

Dina Wilson is an expert loan advisor at online home improvement loan. She has done MSc Management and Finance from University of Whales.To find online home improvement loan, home improvement loan, cheap online home improvement loan visit

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Online Unsecured Loans Allows You to Get the Money You Need Quickly

Written by Dian Herdiana on 10:01 AM

Benefits of applying online
Applying for loans online is becoming increasingly popular in this technologically advanced age. Applying for an unsecured loan online can save you both time and money. It saves you time because it allows you to forgo the step of taking time out of your busy schedule to make your way to the bank. All the necessary information can be attained from the comfort of your own home. Application forms can be filled out online and approval is usually given within a shorter time period.

What is an unsecured loan?
An unsecured loan is a type of loan that does not allow the lender to repossess your property if you default on payments. An unsecured loan is ideal for someone who is looking for a smaller amount of money and does not want to risk any collateral. Yet with this type of loan, be prepared to pay back the debt at a higher interest rate and perhaps in a shorter time frame than other type of loans that are available. More information is available here:

Is an online unsecured loan right for you?
An online unsecured loan is a great way to get the money that you need for any non-business matter. When researching unsecured loans online, you will easily be able to find the best possible rate by comparing the information provided by the various websites. It saves you time on making tedious phone calls to inquire about a lender’s interest rates. The main thing to remember is to be wary of which institution you choose to give any personal details to. The lender should be reputable and the software on their website secure. You do not want to end up in financial ruin because you were not careful about giving out vulnerable financial information. If you are unsure of what online lenders to use, seek advice from friends or family that has obtained a loan in this manner.

About the Author

At Student Loan Watchdog, you can find out more about Unsecured Loans. Learn about unsecured car loans, personal unsecured loans, and compare different loan options for school.


Getting an International Mortgage

Written by Dian Herdiana on 8:32 AM

By Rhiannon Williamson

If you’ve ever dreamed of owning a holiday home in the sun, if you have plans to move to live abroad in another country or if you’d like to invest in overseas property, then chances are you’ve thought about how exactly you’re going to pay for your overseas property purchase!

You have a number of options when buying real estate internationally – you can apply for an international mortgage from an offshore bank, you can approach a lender in the country in which you want to buy, you can re-mortgage existing property if you have accrued equity on your home and use the released capital to buy overseas, or you could even approach your local bank and see if they offer mortgages to buy abroad.

Getting an international mortgage isn’t as hard as you might think therefore because you have so many options.

Some property investment advisers tell clients that it is best to have a mortgage in the country in which they are buying, others believe the only thing essential is to get a mortgage in the currency in which the property is priced, whereas others just tell their clients it is easier to release equity from their current main residence. Seemingly the best approach is the one that suits you best!

You may be interested to know that many of the world’s leading banking institutions have offshore and international arms and that because of their global presence the likes of HSBC and HBOS for example all offer international mortgages and specific mortgages and home finance solutions in various countries. Because of the pedigree of these lenders many buyers prefer to approach such institutions as a first step in their search for the best financial solution available.

Another large international bank is Barclays, they are based in the UK but if you want to get a mortgage to buy a holiday home in France, an investment property in Italy, a retirement home in Spain or even a golf retreat in Portugal they are one of the best lenders to speak to. If you aren’t based in the UK or even France, Spain, Portugal or Italy it doesn’t matter as the majority of your research and application process can be done online with most international mortgage lenders, there is then just a requirement to prove earnings, status and identity which can often be done with the certification of various documentation.

As an alternative, if you want to find out about the best range of international mortgages available to you in a given country you could approach an international mortgage broker. These are companies or individuals who specialize in getting finance for real estate - no matter where in the world the property or the purchasers are. These types of brokerage will charge a client for their services, but they often know where good deals can be found and they can get those with less than perfect status better deals that they might otherwise find on the high street.

Ultimately the best place to begin research is on the internet. But before you commit to a given institution make sure you have shopped around to see who else is offering mortgage deals. For the sake of your long term finances you have to ensure you get the best deal you can today as this could seriously affect the amount you repay over the duration of the loan in terms of interest payment.

Rhiannon Williamson writes about buying property abroad and offshore and international finance, to read more about international mortgages and offshore banking visit her site

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Factors and Strategies for Pricing your Property

Written by Dian Herdiana on 6:48 AM

Submitted by joe lane

A member of the real estate team will show you a Comparative Market Analysis, commonly called the CMA, which will present the similar homes in a seller-friendly format that should be able to help you figure out the right price for your property. Although the CMA is very effect, it is not the only item.

Many other factors determine the price of your property. The factors include: the motivation for selling, the condition of the property to be sold, the improvements that have been made to the property, the items that will be included with the sale, and other factors which will be brought up during the presentation.
One of the most vital things to remember is that the price that is agreed after the information provided to you has been reviewed, and is almost always a bit higher than the prices the CMA is showing for your area. A common mistake made by most sellers is pricing the property out of the market range. Later on, they question why the buyers will not schedule meetings with them. The reason for this is because both the buyer and the realtor will recognize that the property is overpriced, and will not include the property in their tour of homes. Buyers are much more educated in the modern day than they were years ago. The buyers can use the internet and gain more knowledge buy looking up the information on the stats for the area, the original purchase price of a home, and even the appreciation rates. When all the multiplication comes out to be correct, a buyer can get a good estimate on what the price of the property is really worth. An important thing to remember is that a buyer is rarely by themselves. Usually they will have a professional with them such as a Mortgage Broker, Realtor, CPA, Financial Advisor, or another professional. They will all be giving the right advice on what is a good offer for a specific property.

Many sellers assume that the appreciation rates over the recent years will continue the recent trend. But, that assumption is incorrect. Many of the investors would hold out and wait for extremely high prices, and most of them lost everything they had invested, and also the profit that they had gained. The real estate prices will continue to rise, but not at the same trend as the recent years. That is one of the main reasons the sellers higher their price, and use that as an excuse as to why their price is so high. They will usually put a high price and test out the market and hope to catch a buyer with a fat wallet. Or, they will say that they are in no hurry to sell the home, and will wait until they get the offer they want.

Most of these strategies usually fail, and both the seller and Realtor will usually regret it. The seller will tend to miss out on a chance to get a good price for their property, and then will have to wait another round and hope a buyer will come with a good offer. Usually, the first few weeks will be the best chance to get an adequate buyer. The reason for that is because the listing will be new in the MLS, and will attract the Realtors. If you over price your property, the Realtor will recognize it and be sure not to include it for their buyer. The other situation is when a property has been on the MLS for a long period of time. The Realtor will know that there is obviously something wrong with the property, which is why it has been on the MLS for so long. They know not that if the house was alright, it would have been sold by now. Both the buyer and realtor have the same assumption, and are not interested in the house.

About the Author

Joe Lane -


Mortgage Refinancing: 3 Tips to Avoid Overpaying Before You Apply

Written by Dian Herdiana on 7:33 AM

By Louie Latour

Mortgage refinancing can be a stressful time for anyone. Before choosing a mortgage lender there are several steps you should take to ensure you don’t pay too much for your new mortgage loan. Here are 3 tips to help you prepare for your mortgage application and ensure you don’t overpay when mortgage refinancing.

Mortgage Refinancing - Choosing The Right Mortgage Type

Mortgage refinancing comes in two basic varieties: loans with adjustable interest rates and those with fixed interest rates. Don’t automatically dismiss adjustable rate mortgages because someone told you that you’ll have payment shock when interest rates go up. Homeowners that fully understand how Adjustable Rate Mortgages Work can save thousands of dollars in finance charges. If you have a low tolerance for financial risk and need a mortgage payment you can plan your budget around, choosing a fixed interest rate could grant you the peace of mind you need.

Mortgage Refinancing - Check Your Credit Reports First

Before you do anything else, request copies of your credit reports from each of the three credit reporting agencies and carefully review your records for errors. The interest rate you will qualify is based on your credit score, and your credit score is derived from the contents of your credit reports. Credit records are extremely prone to errors and can severely damage your score. If you find errors in your credit records you need to dispute them before applying for mortgage refinancing.

Mortgage Refinancing - Shop For The Best Loan Offer

Comparison shopping when mortgage refinancing can save you thousands of dollars. When comparing loan offers it is important to use the Good Faith Estimate instead of the Annual Percentage Rate (APR). The APR does not give enough information to make an informed decision; using the Good Faith Estimate allows you do perform a line-by-line comparison of each mortgage offer you consider. You can learn more about mortgage refinancing, including costly mistakes to avoid with a free, six part mortgage video tutorial.

To get your FREE six-part Mortgage Refinancing Tutorial, visit using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: "Mortgage Refinancing - What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit

Claim your free mortgage refinancing tutorial today at:

Learn About Mortgages

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Refinance Your Car Loan - 3 Tips For Refinancing Your Auto Loan Online

Written by Dian Herdiana on 7:36 AM

Refinancing your car loan is an ideal way to lower your interest payments or reduce your monthly payments. By using online auto loan lenders you can be assured that you are finding the lowest rate. To be sure you are getting the best terms, follow these three tips before you refinance your vehicle.

1. Plan Your Payments

Before you refinance your auto loan, decide what your goal is. Do you want a reduced interest payment or have a smaller monthly payment? With your goal in mind, you can choose terms that will best meet your needs.

To find reduced interest payments, it is best to have improved your credit rating. One easy way to do this it to pay your credit cards down to 50% of their limit. You can also find lower interest rates by choosing a loan shorter than the typical five year period.

To reduce your monthly payments, look for a loan for a longer period. You don’t even have to find lower interest rates to lower your monthly payment. However, you will be paying more in interest payments over the course of your loan.

2. Come Prepared

To speed through the refinance process, gather all your financial information ahead of time. If you don’t know the current balance on your loan, call to get the exact amount. Also be sure that you have the correct address to mail in the check.

Having a copy of your last tax forms will also make filling out the forms for quotes or a loan application easy.

3. Compare Quotes

When you are ready to find an auto loan, compare quotes before you pick a lender. You can get quotes instantly from online lenders and brokers. Auto loan brokers partner with several lenders to offer you multiple quotes. Auto loan brokers strive to offer the lowest rates, so you may find a better deal through their sites than going to the individual lender’s site.

While rates and terms are important to compare, also take a look at fees and repayment options. You don’t want to get locked into a deal that you can’t pay early or refinance.

To view our list of recommended auto finance companies online, please visit this page:

About the Author

Carrie Reeder is the owner of,an informational website about various types of loans.


Mortgage Refinancing Online - Beware Hidden Junk Fees

Written by Dian Herdiana on 6:59 AM

By Louie Latour

If you are using the Internet to refinance your mortgage, you need to know about hidden fees that mortgage websites like Lending Tree charge for arranging your loan. Lending Tree claims there is no fee for using their service; however, take out a new mortgage from Lending Tree’s website and you will pay $1,300 for their services. Here are several tips to help you avoid paying unnecessary junk fees like the one charged by Lending Tree when mortgage refinancing.

Mortgage Refinancing - Read The Fine Print First

Before you fill out that contact form with your name and address, take a few minutes and read the licenses and disclosure statement at the bottom of the page. Take a look at Lending Tree’s licenses and disclosure statement and you find that while they claim there is no fee for using their service, they will receive a fee of up to $1,300 from your lender for arranging your loan.

While this fee is paid by the lender in the form of a “Computerized Loan Origination Fee,” the charge appears on your Good Faith Estimate and you will pay the fee at settlement. Mortgage refinancing websites like Lending Tree walk a fine line of lying to their customers. How do they get away with it? Very few homeowners read the licenses and disclosures statements found on these mortgage refinancing websites.

Mortgage Refinancing - Beware Broker-Banks

Another problem with mortgage refinancing online comes from websites like eLoan, which have no disclosure statements on their websites. Websites like eLoan are not required to disclose any of their markup because they operate as Broker-Banks, and are exempt from the Real Estate Settlement Procedures Act. Broker-Banks close on their mortgage loans in their own company’s name instead of the name of a wholesale mortgage lender. If your loan representative tells you they close in their own companies name you know that you’re dealing with a Broker-Bank like eLoan. Never choose a Broker-Bank when mortgage refinancing.

You can learn more about mortgage refinancing while avoiding costly mistakes by registering for a free six part video tutorial.

To get your FREE six-part Mortgage Refinancing Tutorial, visit using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: "Mortgage Refinancing - What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit

Claim your free mortgage refinancing tutorial today at:

Home Mortgage Refinance Loan

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Financial Freedom Plan Or Hype Into Nowhere?

Written by Dian Herdiana on 4:58 AM

By Kevinor Moore

Financial freedom plans can look and sound great on paper but the harsh reality can be far removed from some of those glib online promises. Sure, wouldn't everyone like to achieve financial freedom and have all the free time they need to do the things they love. Things like spending more time with the family, giving back to the community or just a comfortable retirement. Whatever your idea of a financial freedom plan is you are sure to find an abundant supply of dream peddlers out there on the internet ready to part you from your hard earned cash.

The question you are probably asking yourself is: are there really any genuine financial freedom plans out there at all? We have all seen those compelling sales pitches encouraging us to join this that or some other online business opportunity. I will guess that many of you reading this will even have parted with your money and joined one or two of these financial freedom plan schemes as well. I guess you are maybe at the stage where you are more than ready to give up entirely on anything related to home business or financial security altogether.

Well don't give up just yet because believe it or not there are things out there that do actually work and are making a lot of folks a considerable income to boot. Many of people in search of a financial freedom plan turn to the internet in the hope of finding what they are looking for. The bad news is that most of them never find it. Instead they spend a shed load of money on phony get rich quick schemes and internet scams that give them nothing in return. A few hardened souls however do find a financial freedom plan that actually works and what's more works well.

The only difference between them and the guys that gave up is exactly that, they didn't! They didn't give up. The point here being that most folks give up far too early and far too easily. As soon as they realize they won't make millions in a few months with Ivor Scamers get rich do no work plan they simply throw in the towel. The fact is that most people searching for the financial freedom plan to turn their lives around give up at the first hurdle. Earning a living on the internet and building a residual income is not easy but it is possible.

Most of those who do eventually achieve financial freedom have gone through the scam phase probably at least once if not more. The difference is that they learnt from the experience and turned something negative into a positive learning curve. Also they remained persistent in their quest for financial freedom. There is a saying often quoted amongst the home business opportunity fraternity as follows "be consistently persistent" and it rings true for many who have succeeded in online business. So don't give up on your search for that financial freedom plan because perseverance always brings it's reward to those who stand the test of time.

Kevin Moore owns and runs the your turn2earn web site. Your turn2earn is the number one online resource for MLM and online internet marketing links. To find out more about home business or online marketing just visit the web site at

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Avoiding the hidden pitfalls and traps of certain types of Debt Consolidation

Written by Dian Herdiana on 7:29 AM

“It’s very easy sir, we can help with debt consolidation in a number of ways. Let us know exactly how much you owe, who the debts are to and for a fixed fee we take care of all of the rest. Your credit record will start to be rectified the moment you put down this telephone. Can you afford such and such (figure withheld)? It will come out of you account on a regular monthly…..oh and by the way, should there ever be an occasion that you have a problem with the monthly payment, call our Customer Service Hotline where we will be only too happy to advise you what happens next.”

“Debt Consolidation”. Wow what a great phrase. Great, wonderful, fantastic, all my financial problems solved in one easy telephone call. Now I can look forward to the Postman arriving without dreading the contents of the next envelope!

Or can I?

The above scenario is played out across countless homes in countless cities where the promise of an easy fix to a nightmare situation is actually quite an easy sell.

Well why wouldn’t it be?

After all, on the one side you have the witless and shell shocked creditor who is scared out of his mind that he (or in a growing number of cases she) are about to lose their livelihood, homes and everything. On the other a smooth, fast talking telesales rep that is now promising to deliver what had hitherto seemed like the Holy Grail.

Except for the fact that in a growing number of cases these so called, Credit Repair Debt Consolidations are actually doing more harm than good.

First of all sadly there is no such thing as a free lunch – or in this case a deeply consolidated and discounted one. Everything has it’s price and in these cases the price is usually hidden in the small extremely fine print that was alluded to in the telephone call as the subject that would be dealt by the “happy ever present, effervescent, Customer Service Rep”.

This, my formerly scared and now ensnared friend is where the fun really starts.

Imagine the following scenario; things have gone well in the first few months; payments made on the button but suddenly for whatever reason the well has gone dry. Now this could be for a number of reasons, after all a leading charity for the Homeless has gone on record as saying that basically we are all “within a few missed pay checks of being made homeless” but in your case that’s it, no cash to make this months payments.

Suddenly the “effervescent, Customer Service Rep” is now cheerfully informing you that as per the terms and conditions of your agreement, there will now be a late payment, penalty charge levied that before you know it has now meant that it has to be cleared before you can resume your instalments and now before you know it you are now sliding further and further into debt again. Finally if these are not met then the whole arrangement is now null and void, your creditors (who probably have still not received a penny) notified and that in all due circumstances Bankruptcy proceeding will follow against you.

Bang, hello reality, welcome to the real world again.

Now I know that the above scenario may seem an extreme case (though sadly not too far fetched) but it is very much a case of “buyer beware” when it comes to Debt Consolidation and Credit Repair. My own personal preference if you wish to go down the road of Voluntary Bankruptcy or IVA route is always to go to the “glassy eyed monster” type of Insolvency Practitioner who give you a real hard time before taking your case before the Bankruptcy courts and being appointed your Insolvency Supervisor. After all, if they scare you, imagine what they will do to your creditors!

And the real bonus? They’re on your side and if you keep in close contact with the communication channels open then they will always try and be as flexible as possible and look after your interests as well as that of your creditors. After all it is their interests as well as yours to reach a successful and happy conclusion.

About the Author

Stephen Morgan is an independent journalist writing on a number of issues, the majority concerning adverse financial situations and the resultant stress that they create. He is the principle Editor for Debt Collection Services ( and also has just launched the associate site Living with High Blood Pressure ( ). More details about the above article can be found at


Home Mortgage Refinancing - Things To Consider When Looking To Get Cash Out On A Refinance

Written by Dian Herdiana on 5:43 AM

When you refinance your home mortgage, lenders often tempt you with the option of cashing out part of your home’s equity. Cash at a comparably low interest rate may seem like a good option, but make sure you will financially benefit from it first.

Raising Your Home’s Value

Only some home improvements raise the value of your home. Bathroom and kitchen upgrades are one example of this. However, with most remodel jobs, you will not see a financial gain. If you are using your home’s equity to fund projects, make sure that your investment will pay off.

Saving On Interest Payments

Paying off credit cards with your home’s equity will save you money in two ways. First of all, you will save on interest payments. Secondly, the interest you pay on your mortgage is tax deductible, unlike credit card interest.

PMI Penalty

Private mortgage insurance kicks in if you borrow more than 80f your home’s value. These extra payments can add up to several hundred dollars a year, so be careful how much you borrow. Other lines of credit may be more cost efficient when you factor in the cost of PMI on your mortgage.

The Length Of The Loan

While it may see smart to take out equity at a low interest rate with your mortgage, it may be cheaper to cash out through a home equity loan. Home equity loans allow you to deduct interest payments from your taxes, but they require a shorter repayment period.

Interest rates on a home equity loan are higher, so you will need to compare the costs between refinancing and a home equity loan. Generally, if your mortgage is long-term, a home equity loan is a better deal.

Your Financial Situation

To decide whether to cash out the equity of your home, you have to make decisions around what is best for your financial situation. There are no hard rules for this type of decision.

For example, purchasing a car with your home’s equity may be a wise investment if you need a car and would struggle with a car payment. In the end, financial decisions are about making trade-offs.

About Author

Carrie Reeder is the owner,an informational website about various types of loans. To view our recommended sources for refinance mortgage loans online, visit this page:


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