Your know what i mean if you've applied for a credit card, loanand been refused due to your credit report. This report is on file and is known as your personal credit report. Available to all financial providers, it is full of data and information on YOU, where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Consumer reporting agencies then sell the information in your report to all types of creditors, insurers, employers, and other businesses who have or claim to have a legitimate need for it. This report and the information it contains is then used to evaluate financial product applications.
Having a good credit report now means it will be easier for you to get loans and lower interest rates when you need them. Lower interest rates usually translate into smaller monthly payments and thousands of dollars saved on your most important financial matters. To the financial institutions, employers, and insurers, having a BAD credit report means you are untrustworthy, unable to pay your bills, and just overall considered a financial "deadbeat". The fact is, sometimes in life bad things happen to good people, and our way of life should not have to suffer for 7 to 10 years because of it.
Wednesday, November 29, 2006
Spending Wisely at Christmas
Talk to any financial advisor and they'll tell you one of their busiest times of the year is the first 2 weeks of January, the time that the first credit card and charge card bills start to land on doorsteps and people realize the financial extent of thier Christmas giving and Christmas cheering. On average people spend 2 and half times a months salary on gifts, decorations and celebrations. Its the time of year that gift deals can be found and the most luxurious gifts are bought. Last year one of my clients told me how he bought a new dishwasher for each of his 3 sisters!, just because he saw a great deal and felt in a good mood. He spent the rest of the year paying off this credit card debt.
So my pre Christmas shopping advice, before it gets out of hand, is to think before you buy, go and compare prices on dishwashers if thats what your going to buy, think before you pull out the plastic because you will spend a long time regretting it.
The internet is full of shopping comparison sites so its worth spending some time researching before spending that hard earned cash.
So my pre Christmas shopping advice, before it gets out of hand, is to think before you buy, go and compare prices on dishwashers if thats what your going to buy, think before you pull out the plastic because you will spend a long time regretting it.
The internet is full of shopping comparison sites so its worth spending some time researching before spending that hard earned cash.
Spending Wisely at Christmas
Talk to any financial advisor and they'll tell you one of their busiest times of the year is the first 2 weeks of January, the time that the first credit card and charge card bills start to land on doorsteps and people realize the financial extent of thier Christmas giving and Christmas cheering. On average people spend 2 and half times a months salary on gifts, decorations and celebrations. Its the time of year that gift deals can be found and the most luxurious gifts are bought. Last year one of my clients told me how he bought a new dishwasher for each of his 3 sisters!, just because he saw a great deal and felt in a good mood. He spent the rest of the year paying off this credit card debt.
So my pre Christmas shopping advice, before it gets out of hand, is to think before you buy, go and compare prices on dishwashers if thats what your going to buy, think before you pull out the plastic because you will spend a long time regretting it.
The internet is full of shopping comparison sites so its worth spending some time researching before spending that hard earned cash.
Merry Christmas!
So my pre Christmas shopping advice, before it gets out of hand, is to think before you buy, go and compare prices on dishwashers if thats what your going to buy, think before you pull out the plastic because you will spend a long time regretting it.
The internet is full of shopping comparison sites so its worth spending some time researching before spending that hard earned cash.
Merry Christmas!
Saturday, November 25, 2006
Organise Cashflow with Pay Day Loans
A good way to get cash quick is to take a loan backed by your wage cheque, something the industry calls Pay Day Loans. If your paycheck is late or if you need cash before your cheque is going to clear then this is a great way to release funds.
Most Pay Day Loan companies do not require credit cheques and often offer the service free of charge. Better than taking an actual loan, this system is a quick solution for a short term cash flow problem. Online payday loans and cash advances offer emergency cash until your next payday. It shouldn't matter what the money is for, quick, easy online check cashing service can provide the assistance you've been looking for.
Always ensure your long term cash flow is strong by maintaining a good monthly budgeting system, these loans are only ideal for short term problems.
Most Pay Day Loan companies do not require credit cheques and often offer the service free of charge. Better than taking an actual loan, this system is a quick solution for a short term cash flow problem. Online payday loans and cash advances offer emergency cash until your next payday. It shouldn't matter what the money is for, quick, easy online check cashing service can provide the assistance you've been looking for.
Always ensure your long term cash flow is strong by maintaining a good monthly budgeting system, these loans are only ideal for short term problems.
Monday, November 13, 2006
Buying Gold Online
A new web service has recently launched for investors, where you can buy gold online, it is very different to most internet investment services. Sign up for an account and you can buy real physical gold at about a tenth of the cost associated with typical managed services, almost all of which deal only in intangible assets.
BullionVault.com is a revolutionary new way for individuals to buy and sell gold bullion online, in a selection international vaults - in London, New York or Switzerland. Gold has doubled in value over the past 5 years (though had a dip recently), as the world economy strains under the excessive printing of dollars, and other currencies. The gold you buy is always held in high-security Brinks vaults.
All client holdings are reconciled every day and published online. Gold is bought and sold using a live Market Order Board, trading at narrow spreads around real-time world spot gold market prices. You can buy and sell gold at your price, and get a bargain in the process.
BullionVault.com is a revolutionary new way for individuals to buy and sell gold bullion online, in a selection international vaults - in London, New York or Switzerland. Gold has doubled in value over the past 5 years (though had a dip recently), as the world economy strains under the excessive printing of dollars, and other currencies. The gold you buy is always held in high-security Brinks vaults.
All client holdings are reconciled every day and published online. Gold is bought and sold using a live Market Order Board, trading at narrow spreads around real-time world spot gold market prices. You can buy and sell gold at your price, and get a bargain in the process.
Thursday, November 09, 2006
Climb Your Way Out of Debt with Blogsvertise
If you write a blog, or have thought about it, or simply have something to say, then this service could be a nice pocket money earner for you.
www.blogvertise.com is an online content matching service for blog owners to earn money by placing targerted ads on thier site.
You may not pay off your mortgage but you could earn a few extra few pounds / dollars for those luxury items you shouldnt really buy! By receiving all your payments via paypal its a convenient way to build an account of money to buy household / lifestyle items off eBay.
Its not just a cheap web service, its a very useful channel of income.
www.blogvertise.com is an online content matching service for blog owners to earn money by placing targerted ads on thier site.
You may not pay off your mortgage but you could earn a few extra few pounds / dollars for those luxury items you shouldnt really buy! By receiving all your payments via paypal its a convenient way to build an account of money to buy household / lifestyle items off eBay.
Its not just a cheap web service, its a very useful channel of income.
Wednesday, November 08, 2006
Save money on Pet Insurance
Many people I know have told me that the first cost saving item they action to reduce monthly expenditure is to cancel their pet insurance. Often this is a policy that goes unused and at upto $50 per month can make quite a dent into the home budget.
Well, whilst I always support cost saving measures to balance the home budget there are some that may be a little too eager to save the bucks. A pet is a member of the family and aside from the emotional loss if the worst occurs there is also the replacement cost.
My advice is always the same, and is the same with every insurance policy. Shop around. Many companies offer discounts for new pet policies. Try MoreThan and then speak to your current insurance company and see what they will do to keep your business.
Remember a pet is for life, and a life is worth insuring.
Be well.
Well, whilst I always support cost saving measures to balance the home budget there are some that may be a little too eager to save the bucks. A pet is a member of the family and aside from the emotional loss if the worst occurs there is also the replacement cost.
My advice is always the same, and is the same with every insurance policy. Shop around. Many companies offer discounts for new pet policies. Try MoreThan and then speak to your current insurance company and see what they will do to keep your business.
Remember a pet is for life, and a life is worth insuring.
Be well.
Tuesday, November 07, 2006
Mortgages at 5 times earnings
The British Banks are today beginning to offer customers mortgages at 5 times earnings. Whilst this is an attempt to maintain growth in the housing sector (or more likely to prevent a crash) this is an option to be taken with care.
With property prices at record and rising levels it is becoming more and more difficult for UK citizens to get that foot on the property ladder. The traditional 3 x salary is simply not enough to even cover the deposit in many situations. This new offering allows more and more people to get that mortgage and self-saddle with debt.
The increasing trend for Interest Only Mortgages means people will at the end of the mortgage term need to find the entire capital to pay off the investment. They and the government need to prevent a property slump at any cost to avoid thousand of people finding themselves in negative equity. The solution... increase the problem and let later goverments deal with the fall out.
Take care if selecting this type of mortgage, it may be nice now, but you may regret it in the future.
With property prices at record and rising levels it is becoming more and more difficult for UK citizens to get that foot on the property ladder. The traditional 3 x salary is simply not enough to even cover the deposit in many situations. This new offering allows more and more people to get that mortgage and self-saddle with debt.
The increasing trend for Interest Only Mortgages means people will at the end of the mortgage term need to find the entire capital to pay off the investment. They and the government need to prevent a property slump at any cost to avoid thousand of people finding themselves in negative equity. The solution... increase the problem and let later goverments deal with the fall out.
Take care if selecting this type of mortgage, it may be nice now, but you may regret it in the future.
Monday, November 06, 2006
UK ID Cards on their way....
According to the British Government, the planned ID cards will help reduce the £1.7billion identity fraud bill that costs Britain every year
Tony Blair today talked about a significant relaunch of the Government's crime strategy, including his passionate support for the controversial ID cards due to launch any year now.
The cards will include fingerprints, a digital facial and eye (iris) scan and could also be used to include personal information. The government is promising new measures to counter terrorism, organised crime, and anti-social behaviour.
Tony Blair today talked about a significant relaunch of the Government's crime strategy, including his passionate support for the controversial ID cards due to launch any year now.
The cards will include fingerprints, a digital facial and eye (iris) scan and could also be used to include personal information. The government is promising new measures to counter terrorism, organised crime, and anti-social behaviour.
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