Homeowners Advised Against 'Missing Out'

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Article Title: Homeowners Advised Against 'Missing Out'
Author: Abbi Rouse
Category: Mortgage, Loans, Personal Finance
Word Count: 514
Keywords: secured,loans,homeowner,mortgage,offset,tracker
Author's Email Address: abbi.rouse@inter-financial.com
Article Source: http://www.articlemarketer.com
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Those yet to change to an offset mortgage could be "missing out", it has been suggested.

According to figures by Yorkshire Bank, some four million homeowners could collectively save up to 29 billion pounds in interest and income tax by switching their mortgage, savings and currents accounts to an offset product. With an average potential saving of more than 11,000, pounds making the switch could see households save some 11,000 pounds - a figure which could help many consumers pay off their secured homeowner loans.

Gary Lumby, head of retail for Yorkshire Bank, said: "The average homeowner who has their savings, current account and mortgage with the same bank but has not yet considered an offset mortgage could be missing out on a great opportunity." He added that following recent interest rate rises by the Bank of England, those with offset mortgages are beginning to see "positive balances" in current and savings accounts "working even harder to offset mortgage interest". "With built-in payment flexibility there is also an option to overpay or underpay," he added.

Research by Yorkshire Bank revealed that offsetting mortgage debt could give consumers room for "greater tax efficiency by effectively earning the mortgage interest rate". If homeowners made this switch, then the financial provider estimated that some 151 million pounds in tax alone could be saved over the coming year.

Figures from the financial services firm also revealed that the average British homeowner has some 15.5 years left on a mortgage deal with an outstanding balance of 84,000 pounds. An offset mortgage causes any money left in a homeowner's linked current and savings account help to offset the outstanding mortgage balance, meaning they pay less interest. Meanwhile, those with an offset mortgage who are in credit with their lender will find the amount of interest payable on their home loan is reduced by the same amount.

It has also been suggested that those who give up smoking could reduce the length of their mortgage payments. Figures released by Charcol indicated that those who stop a 20-a-day habit could save up to 2,016 pounds a year - a figure which may well help towards meeting secured loan cost.

The study also revealed that homeowners who are on a 25-year repayment mortgage could save over 29,000 pounds in interest and consequently pay off their home loans eight years in advance. Drew Wotherspoon, marketing and communications director for the financial services firm, said: "When smokers look at what quitting can do to their finances it may provide that added incentive to finally stub out the habit." He suggested that quitters may also find attempts at debt management eased as life and home insurance costs could fall.

Meanwhile, those buying a property for the first time have been advised to ensure that they are conscious of the various fees applicable. According to Julia Harris, Moneyfacts analyst, consumers should factor valuation costs into their planned spending of homeowner loans costs. She added that as such fees often "running into hundreds of pounds" in addition to four digit arrangement costs and "crippling" stamp duty, borrowers need to be savvy when managing their finances.

Abbi Rouse writes for Loan-Arrangers .co.uk where visitors can compare loans online. Then apply for the best rate secured loans and bad credit loans available. Visit our site http://www.loan-arrangers.co.uk
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Debt Consolidation Helps To Improve Your Credit Score

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Article Title: Debt Consolidation Helps To Improve Your Credit Score
Author: John Porter
Category: Personal Finance, Debt Consolidation, Loans
Word Count: 411
Keywords: debt help,debt reduction,lower interest rates,consolidate loan,consolidate debt
Author's Email Address: am@projectempire.net
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Credit score is mark of your affordability to repay your debts/loans. The computer collates lots of information about one's credit history and generates a number. This number is labeled as credit score.

Your credit score represents your trustworthiness and credibility to the lenders in financial market. If you have a good performance in credit (score 760-850) then lenders will be eager to offer you the best loan packages at competitive rates (6-6.5%), knowing that they are not risking their investment. But if you do not have a near perfect score (620-650) you often find disapproved for loans that you have applied for or acquire them at much higher rates (7-8%). The same is true even for debt consolidation companies.

Many debt solution agencies will offer you their best debt consolidation loans at attractive rates only if you have an excellent credit report. For bad credit you are eligible for products that bear very high rates of interest with strict payment schedules.

You can save money by improving your credit score. Actually your credit score decides how much you will have to pay for life insurance premium, interest on mortgage, motor insurance, credit card and much more. Even credit score is the determining factor in whether you will get the job you have been aspiring for.

When you are in under a huge debt burden and missing out your deadlines on loan repayments your creditors mark you as a defaulter. You lose your integrity as a potential borrower and enter in the "bad books" of credit bureaus. Now suppose you have opted for a loan that consolidates all your existing loans into one payment. By making this move you continue to repay this loan on time and follow up regularly with your debt consolidation agency on your score.

Your debt consolidation agency is responsible to report this repayment to the credit bureaus. While initially you might find a drop in the credit score due to your previous outstanding bills, your credit score slowly increases with this effort of timely repayment continued on your part.

So the fastest way to boost your credit score is by paying your bills on time and reducing the debt amount. You can ask for a free copy of your credit report every 12 months from all the 3 bureaus where your credit performance is reported. Knowing your credit score and checking for mistakes if any would also help you to plan for your finances in future.

Find more Debt help info @ http://www.DEBT-REDUCTION-TODAY.INFO and debt reduction info @ http://www.DEBT-REDUCTION-TODAY.INFO/sitemap.php online. For Weight loss related articles: http://www.weightloss-fyi.info
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Small Personal Loans UK - No Credit Check Required

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Article Title: Small Personal Loans UK - No Credit Check Required
Author: Ryan Arsendatama
Category: Credit, Loans, Banking
Word Count: 455
Keywords: uk, small, personal, loans, payday, cash, instant, advance, application, online, approval
Author's Email Address: arsen@satellitetv-choice.com
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If what you need is between 100 pounds and 1000 pounds then small personal loans are a great solution as you can get instant cash with no credit check required. Many lending agencies in the UK are now able to provide online cash loan with speedy approval process to cater your financial emergency. The loans usually do not consider your credit rating so whether you have a good or bad credit history you are still eligible to apply for the loans.

Small personal loans are more known as payday loans, which are a form of cash advance you borrow until your payday. In the UK, payday loans have been accepted as one of the quick solutions for cash urgency. No other loans can match their speedy approval process that can take as quickly as 24 hours. You can expect to submit the application tonight and receive the money in your bank account by tomorrow afternoon.

No Credit Check Required

Small personal payday loans are easy to access and becoming a viable solution for unexpected expenses such as emergency car repair, medical bill, credit card payment and many things that suddenly happen during your financial crisis. These types of loans generally do not require any form of credit checks. The lender will not dig into your old credit records. All they need is to verify your monthly fixed income to ensure that you are able to make the repayment.

It is also emphasized that no collateral is required in procuring a small personal loan. Since the loan is secured against your next pay, there is no hassle of providing your home equity or whatsoever. Even if you have a bad credit you still have a good chance of getting your application approved.

Instant Cash Offer

With no collateral and no credit check needed, this will generally mean minimal paper work and lesser time in the loan approval. Most payday lenders in the UK have gone online that make them able to process your application in the same day. Online facility is just the way to go. It cut off the need to make a trip and wait in a queue of a traditional loan shop. Now you can simply fill in the online application form from the comfort of your home anytime, even if it is 2 AM.

A small personal loan is designed to tackle your urgent monetary issues with no credit check required. You get the money directly deposited into your checking or saving account almost immediately in the same day or next day. The repayment scheme is easy. You just pay back the loan when you receive your next pay. Simply nominate a date and the lender will take the repayment amount and interest automatically out of your bank account.

Need cash now? Check out: http://www.paydayloanmart.co.uk/fast-payday-loans-uk.html for fast payday loans in the UK. Visit also: http://www.ezcashloan.co.uk/instant-cash-advance.html for instant cash advance and http://ezcashloan.co.uk/same-day-cash-advance.html to get same day payday loans UK.
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Buying a Car with Bad Credit: Auto Refinancing

Keith Londrie offers the following royalty-free article for you to publish online or in print.
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Article Title: Buying a Car with Bad Credit: Auto Refinancing
Author: Keith Londrie
Category: Finance, Loans, Credit
Word Count: 399
Keywords: buy car, bad credit, buy car bad credit, buy car no credit, buy car, buy new car, buy used car, buy
Author's Email Address: infoserve@mchsi.com
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If your credit score is bad you are left with almost no options for getting a car loan and thus for buying a new car. Banks and other typical lending companies will refuse loans if your credit score is too low. Even if they offer you credit it will be with huge interest rates and the amount might not be enough to buy your dream car.

The good news is that you can make some steps and still get a new car with bad credit. the secret is in auto refinancing. Car refinancing works on the same principal as home refinancing but many people just doesn't think of it.

The basic principle of car loan refinancing is to take a loan from a lender and than repay it by using the money from another lender who offered you lower interest rates. First of all your monthly payments will be much lower and second your interest rates drop so that you can pay off the balance of your car loan even quicker.

There are few principles to follow when looking for car loan refinancing. First of all remember that the lender who borrowed you the money for the car will probably not give you another credit to refinance the first. So you have to look for a different lender. The next very important thing is to be careful with the interest rate. The whole secret about refinancing car loans is to get the APR equation right. The interest rate of the refinancing loan must be lower than the interest rate of the original loan.

When applying for a car refinancing loan, follow these simple rules to achieve best results:

- The car refinance loan application need to be in the same name as the name on your current auto loan.
- Get your car loan account number ready
- Seek refinance if you have to pay $7500 or more
- Have your vehicle information accurate
- Do not ask for a car refinance loan that is higher than the value of the car.
- Check if there are some additional charges and fees applicable to your new loan.

If you are unable to find a typical bank or lending institution to give you an auto refinance loan, seek online. There are any online financial institutions that offer various types of loans or specialize in refinance. Their applications are online and usually give quick answers. There are those that deal with speciazl situations too.

Keith Londrie II is the and publisher of http://buying-car-no-credit.info/ A website that specializes in providing tips on buying a car with no or bad credit hat you can research on the internet. Please Visit http://buying-car-no-credit.info/ now!
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'Huge Step' Made In Financial Inclusion

Abbi Rouse offers the following royalty-free article for you to publish online or in print.
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Article Title: 'Huge Step' Made In Financial Inclusion
Author: Abbi Rouse
Category: Loans, Personal Finance, Banking
Word Count: 578
Keywords: charges, finance, personal,loans, cash, mahines,non-fee
Author's Email Address: abbi.rouse@inter-financial.com
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Earlier this week, the Treasury announced that the implementation of hundreds of non-fee charging automated teller machines (ATM) throughout Britain is set to benefit more than one million people - in particular those on low incomes. The scheme, which will see some 600 fee-free ATMs installed, could well help some of the most financially vulnerable people across the country to manage their finances and handle their debts better.

Economic secretary to the Treasury Ed Balls suggested that such a move could be a vital step in improving consumers' financial education towards areas such as Personal loans, mortgages and savings. He said: "These new free cash machines will help individuals on low incomes to access financial services as easily and cheaply as possible." "Opening bank accounts and having access to financial information and products enables people to manage their finances better," Mr Balls continued.

John McFall, chairman of the Treasury Select Committee and chair of the ATM Working Group, added: "This is a huge step forward in our campaign for financial inclusion." Sue Edwards, senior policy officer for Citizens Advice, said: "This is good news and shows that real progress is being made to give vulnerable people on low incomes greater access to free cash machines."

Ms Edwards added that the government needs to "keep up the momentum and ensure that the poorest areas in the country are prioritised". The officer also claimed that fee-charging ATMs have a "disproportionate impact" on financially vulnerable groups such as the elderly or families on low incomes, which in turn may impact upon their attempts at debt management and making repayments on personal loans, credit cards, overdrafts and other types of borrowing.

Meanwhile, Ms Edwards also pointed to a Citizens Advice report published last year indicating that 40 per cent of cash machines charge for withdrawals. Although nearly all of consumers (99 per cent) surveyed claimed to be aware of fee-charging ATMs, about half of respondents claimed to have been made unaware that they were about to incur extra costs when using such a machine.

Angela Knight, chief executive of the British Bankers' Association (BBA), also lent her support for the ATM plans and added that the government is beginning to recognise the contribution banks are making towards promoting financial inclusion for as many members of society as possible. She said: "Banks have driven a campaign to put machines into some of the UK's poorest areas which means people on low incomes will have the same free access to cash as those in more affluent places."

And despite many Britons still being susceptible to fee-charging ATMs, Ms Knight indicated that consumers in this country could actually be better off than many other people around the globe. Pointing to independent research carried out by Oxera, the BBA chief executive claimed that half of ATMs in Britain are free - with other countries said to carry a greater proportion of fee charging machines. As a result, the provision of free cash machines may be able to help consumers plan their finances, something a recent study has indicated they are not doing at the moment.

According to findings by National Savings & Investments, a third of consumers are "financial fantasists" and are counting on earning more money in the future or borrowing through personal loans or credit cards instead of making a detailed plan for later life.

So for those looking to make the provision of free cash machines the starting point to managing their finances why not opt for a competitively-priced personal loan?

Abbi Rouse writes for Essentially Home Loans where visitors can apply for personal loans and also focuses on secured loans for UK residents. Visit Today: http://www.essentiallyhomeloans.co.uk
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Federal Student Loan - For Debt Consolidation

John Porter offers the following royalty-free article for you to publish online or in print.
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Article Title: Federal Student Loan - For Debt Consolidation
Author: John Porter
Category: Personal Finance, Debt Consolidation, Loans
Word Count: 431
Keywords: debt help,debt reduction,lower interest rates,consolidate loan,consolidate debt
Author's Email Address: am@projectempire.net
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Higher education costs have almost skyrocketed in last few decades. So education requirements are often more than one loan. Students are sometimes employed but receive very low salaries at entry level and they are left with staggering debt burdens.

Even though they possess considerable talent they are unable to pursue higher educational needs because of their financial situations at home. If they desire to continue their education then they have to apply for student loans that are an additional cost burden to the family and the student who do not have the financial capacity to repay the loans.

Federal student loans for debt consolidation have been designed to help the students by combining all their debts into a single loan to be paid monthly. This makes their life more easy and they do not have to live in the threat of debt burdens just when their careers are about to start.

These loans are designed to tailor to the needs of different student from different background and challenges. So there is one best deal for each one of those who apply for such loans. Each of these loan packages designed distinctly exhibit diverse interest rates.

Applying for federal student loan consolidation requires a little bit of research on the net. There are many online links that offers excellent consolidation opportunities for students.

A Federal student loan consolidation bears lower interest rate and makes repayment a much easier task for students. This loan does not require a co-signer. No credit check is performed from the lending agency while approving this loan.

This Federal consolidation loan does not have hidden charges or processing fees during the time of application and over the loan period. Penalties for early repayment are also never charged.

Before you choose your lender you just need to know your package very well. You also need to know the kind of support your lending agency is going to provide over the loan period. If you have other loans with one lender then it is best that you approach the same lender to consolidate your existing loans into a single federal consolidation loan.

Choosing the lender is definitely important to ensure that you are offered the best deal at competitive market rate and you need to worry about your credit reporting status. Please ensure that your lending agency reports your timely payment to the credit bureaus and your credit score is up to date. Otherwise there is no point choosing a lender who is reluctant to do so and in this process your credit history gets marred even before it is created properly.

Find more Debt help info @ http://www.MY-DEBT-CONSOLIDATION-SOURCE.INFO and debt reduction info @ http://www.MY-DEBT-CONSOLIDATION-SOURCE.INFO/sitemap.php online. For Weight loss related articles: http://www.weightloss-fyi.info
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Low Interest Payday Loan - Cash with No Credit Check

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Article Title: Low Interest Payday Loan - Cash with No Credit Check
Author: Ryan Arsendatama
Category: Loans, Banking, Personal Finance
Word Count: 430
Keywords: low, interest, payday, loan, loans, cash, advance, short term, no credit check, approval, online
Author's Email Address: arsen@satellitetv-choice.com
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A low interest payday loan overcomes the gap between cash shortage and unexpected financial needs with comparatively less fees to pay. The loan gives you access to instant money that you can use to pay off overdue bills, car repairs, or other cash emergencies you have never expected to happen. This type of loan is usually a short term loan that requires no credit check and gives you cash between $100 and as much as $1500.

Payday loan companies can be located online in the Internet. Due to competition in the industry, they have offered low interest rates to attract more customers. However, before choosing a loan company, answer these questions: Do you meet the requirements of a payday loan? Is the company you have chosen the best for you?

What should you fulfill?

Firstly, you have to be an adult to qualify for a payday loan. Secondly, you should be working and earning at least $1,000 every month. And, mind you, you should be in the same job for at least three months. Next, you should have a checking account because the loan amount will be transferred directly into your account.

Do you fulfill the above requirements? If yes, then you are qualified for the loan!

Now comes the most important part: getting a low interest payday loan. There are certain ways to get a cash loan with low fee. Lets have a look at them.

What should you do?

The best way is to shop around for loans. When you do a search for payday loan lenders, you will be greeted with a slew of companies offering payday loans at the lowest fees and the lowest interest rate. However, do not get lured by their temptations. Search and compare thoroughly and then come to a decision.

Consider all factors such as the loan period, payment date, and options in payment, the extra fee involved in extension of due date, the interest rate after extension, and others. Usually, there is an additional charge for extending the date of payment of loan, along with an interest rate. Don't be in a hurry to fill up the application and get money. There are companies who may take advantage of your urgent need for cash. Beware of them!

A low interest payday loan may also call for a certain amount of dollars to be spent from your pocket. There is no free payday loan. If you come across any such free loan during your search, stay away from it because nothing comes for free. There must be some hidden costs, which might be more than the costs of the interest itself.

You can check out this page to learn how to find low interest payday loans: http://www.ezypaydayadvance.com/low-interest-pay-day-loans.html. You can get the loan even though you have bad credit history: http://www.ezypaydayadvance.com/badcredit-cash-advance-unsecured-loan.html.
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Why Are Banks Selective of Their Bad Credit Loan Applicants?

Liz Roberts offers the following royalty-free article for you to publish online or in print.
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Article Title: Why Are Banks Selective of Their Bad Credit Loan Applicants?
Author: Liz Roberts
Category: Loans, Financial Planning, Finance
Word Count: 597
Keywords: bad credit loan, bad credit loans, loan, payday loans, payday loans, bad credit credit card
Author's Email Address: idtheft_01@yahoo.com
Article Source: http://www.articlemarketer.com
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The problem of being buried in debt has grown extensively affecting millions of people today. In fact, it is reported that most Americans hold at least one credit card in hand and about 20% of these credit card holders are plagued with a bad credit history.

What is a bad credit loan?

In order to keep up with their mounting debt, many people choose to apply for a credit loan. Simply put, a loan is a sum of money from a lender which is paid by the borrower in installments. A credit loan has a provision for people who are having difficulty acquiring credit because of their bad credit history.

Why do consumers apply for a bad credit loan?

Consumers apply for a credit loan for many different reasons. The most common ones are: - emergencies - paying for a college education - to set-up a business - for large purchases like a car - for a vacation.

Aside from credit loan, a many consumers are also applying for a bad credit credit card which means you can be qualified for a credit card despite a bad credit record. However, most people who apply for a bad credit loan are those swamped with large debts who badly need a large amount of money instantly at hand.

What are payday loans?

Payday loans or cash advance loans have become popular for consumers looking for a small loan amounts quickly. The borrower writes a check which is held by the cash advance or payday loan company as collateral. It's then cashed after a specified time, usually 2 weeks. The fees associated with these types of loans tends to be higher then loans from the bank, but they have an extremely easy approval process and are quickly funded, sometimes within 24 hours of applying.

How to get approved for a larger loan amount even with a credit problem

Banks however do offer larger loans for people with bad credit. This involves a more complex and a longer processing period than that of a smaller loans. In general, credit loan amount vary form as low as $5,000 to as much as $100,000, with a paying period of around 2-20 years. Applicants are often required to surrender a certain property of value like their house, car, boat or any piece of real property as collateral.

Of course banks are concerned about their assets and it is expected that they want assurance from their borrowers that they would be paid back. Since the borrower has a bad credit record, he is therefore considered as a high risk borrower and creditors usually charge higher interest rates for a credit loan.

This being the case, it is important to remember that the original debt you owe will incur higher interest rates if you fail to keep up with your balances within the arranged paying period. In addition, a borrower must also be aware that in acquiring a bad credit loan, he could be at risk of losing his property in case he will not be able to pay for the amount he borrowed.

Taking all these into consideration, each individual must examine his own standard of living especially with regards to his finances. Certain changes with your spending habits might be needed or an additional source of income could be of enormous help. If you have decided to apply for a credit loan, plan in advance how you will pay it back. As with any transaction, read and understand all agreements that you're signing up for. Make sure that you are aware of your rights and privileges as well as your duties and responsibilities as a borrower.

Liz Roberts is a freelance writer and loan consultant specializing in bad credit. For the list of lenders that provides bad credit loans and bad credit cards visit this site http://www.badcreditresources.com
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Repair Your Bad Credit First, Buy Your Car Later

Keith Londrie offers the following royalty-free article for you to publish online or in print.
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Article Title: Repair Your Bad Credit First, Buy Your Car Later
Author: Keith Londrie
Category: Cars and Trucks, Loans, Credit
Word Count: 425
Keywords: buy car, bad credit, buy car bad credit, buy car no credit, buy car, buy new car, buy used car, buy
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------------------ ARTICLE START ------------------

Bad credit spoils everything your dreams for a new house, new car, student loan, any kind of loan. If you have fallen into the debt trap, the best thing to do is to repair your bad credit first and to go shopping later.

Many people will not follow this advice especially if they want to buy a new car. Probably the main reason is that first of all a car is not a high value purchase and second they do not want to wait. Of course financing for buying a car with a bad credit history is available. It is a separate question who will provide it and if the terms will be as good as they can be if the credit score was OK.

For those who want to repair their bad credit, here are a few tips about how to achieve this.

The first thing to do is to get a copy of your credit report. Get an annual copy and check it thoroughly. You will easily see which loan or loans caused the bad credit score. Try to sort them out by making a repayment plan. You can ask the creditor to do it for you or to ask an independent company to do it. No matter who will make the plan, be honest about your incomes so that a reasonable and realistic plan to be made and start paying the repayment fees regularly. Missing the final repayment date also harms your credit history.

The next steps depend on the type of debt you have. If you have credit card debt you can try applying for a new card and start using it carefully while repaying the old debts. You good "behavior" will count when your credit score is reviewed.

The last resort to "start clean" is to file bankruptcy. This will clean some or all of your debt but will leave a huge ugly stain in your credit history. Of course people who bankrupt can fix their credit score but the time required for this is much more.

Once you have a plan and have taken steps to rebuild your credit score, be accurate and patient. Your bad credit will turn into something from the past quickly if you stay current with outstanding bills, repayments and any other financial issues. Always check the monthly statements and plan in advance how to pay all of your bills in time. If you find you are not earning enough, that cut off your budget. This is not the most pleasant thing but it wil help in the long run.

Keith Londrie II is the and publisher of http://buying-car-no-credit.info/ A website that specializes in providing tips on buying a car with no or bad credit hat you can research on the internet. Please Visit http://buying-car-no-credit.info/ now!
------------------ ARTICLE END ------------------

Van Drivers Recommended To Use Motor Loans On Insurance

Abbi Rouse offers the following royalty-free article for you to publish online or in print.
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Article Title: Van Drivers Recommended To Use Motor Loans On Insurance
Author: Abbi Rouse
Category: Insurance, Loans, Personal Finance
Word Count: 541
Keywords: van, drivers, motor, insurance, loans, finance, secured, personal
Author's Email Address: abbi.rouse@inter-financial.com
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------------------ ARTICLE START ------------------

Van owners could be well advised to ensure that they are using money from their motor loan to take out adequate insurance for their vehicle, it has been suggested.

According to research by AA Insurance, about a quarter (24 per cent) of commercial van drivers surveyed claim that if their means of transportation was unavailable then they could lose up to an average of 362 pounds every day. As a result, consumers could well struggle to meet bill requirements, personal loan repayments and overdrafts.

Head of van insurance for AA Insurance Rhiannon Parker said: "Love them or hate them, vans are a big part of our culture and contribute enormously to the UK economy.

"Whether they're sparkies or plumbers, drivers face significant loss of earnings if their van's out of service, so it's essential to ensure they're properly covered when the worst happens."

Taking the time to make sure motor loan money is spent on a sufficient insurance policy was also advised as the average commercial van was reported to carry worth an average of 1,382 pounds in goods.

Overall, van drivers were reported to contribute over 35 billion pounds to the British economy every year and have an annual estimated turnover of some 215 billion pounds. Meanwhile, more than half (59 per cent) of van drivers believe that the vehicle is essential to the smooth running of their business, once again indicating the need to ensure motor loan cash is spent on sufficient insurance.

Earlier this week, Ian Crowder, public relations manager for the AA, claimed that despite a general increase in insurance costs, those who shop around for cover will be able to spend their car loan money effectively. Pointing to figures from the financial services company indicating a six per cent rise in insurance premiums over the course of 2006, he suggested that those using their money wisely can still access a competitively-priced deal.

He said: "For all the upward pressure on insurance premiums, there's always going to be a new provider coming in, trying to get a market share and offering big discounts. So for the savvy insurance buyer, there is always a provider willing to offer low premiums to get your business."

Despite insurance premiums falling by a "fraction of a per cent" during the first quarter of 2007, the public relations manager suggested that costs are set to rise throughout the remainder of this year which consequently may catch drivers off guard - if they do not plan their finances sufficiently - resulting in a increased pressure to service car costs and pay off debts.

Mr Crowder also reported that the value of car insurance claims is set to "rise fairly steeply" due to increasing costs in repairing vehicles and growth in the number of people looking to make personal injury claims after being involved in an accident. Meanwhile, those looking to purchase a car are being advised to opt for a competitively-priced personal loan to finance their buy instead of choosing a showroom deal.

Research conducted by Alliance & Leicester earlier this year indicated that drivers deciding to go for forecourt finance products are wasting an average of 3,000 pounds - a figure which could well aid consumers in making repayments on other forms of debt such as credit cards, overdrafts and Secured Loans.

Abbi Rouse writes for Loan-Arrangers .co.uk where visitors can compare loans online. Then apply for the best rate secured loans available. Visit our site http://www.loan-arrangers.co.uk
------------------ ARTICLE END ------------------

Debt Consolidation Tips For Non Home Owners

John Porter offers the following royalty-free article for you to publish online or in print.
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Article Title: Debt Consolidation Tips For Non Home Owners
Author: John Porter
Category: Personal Finance, Debt Consolidation, Loans
Word Count: 438
Keywords: debt help,debt reduction,lower interest rates,consolidate loan,consolidate debt
Author's Email Address: am@projectempire.net
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------------------ ARTICLE START ------------------

Most of the available debt consolidation schemes are meant for individuals who own property. Only some debt service agencies will offer debt solutions to people that neither have collateral to place nor have strong credit history to earn a minimum credibility to be eligible for various loans from reputed lending agencies.

If you feel depressed by financial problems arising from redundancy, illness or event like divorce, mishandling of funds or even no credit history (students) you can bring a life changing atmosphere just by managing your debts well, understanding what option you have and maintain the rudimentary discipline of paying it off fast.

You can be eligible for a debt consolidation loan if you are above 18 years of age and have taken up some measures like credit counseling, fixed a budget and learned to stick to it. Bankruptcy could be the last resort to obtain a debt counseling service if you don't own a property. You can also negotiate with your lending agency to formulate an easy repayment option. Debt negotiation is done through the help of a professional counselor and a financial advisor.

If you have life insurance coverage for which you have been paying the premiums regularly for last ten years or more then this is considered to be one of your assets. This kind of insurance builds cash value over time. These policies serve as collateral against which you are eligible for a loan.

Find a co-signer who can vouch for you in case you default. If he /she is a person with good credit and asset that exceeds the amount of the loan amount that you have applied for then you are eligible to get a debt consolidation loan.
If you own any other mobile assets like motor homes, motorcycles, boats, RVs old coins or stamps or other assets like bonds, stocks etc. that bear a value that will be more than the amount of loan you need then you can get a debt consolidation loan from the agency you have applied to.

So the issue practically boils down to placing collateral that the agencies look at when they grant you the loan. This collateral is the way to protect themselves from their risks in case you turn out to be a defaulter or delinquent. If you lose your ability to pay back the collateral is pledged to compensate for this loss. So if you are a non home owner then there is a high chance that the collateral you place might not be of the value that would exceed your combined loan amount. If it does then you can qualify for any debt consolidation loan.

Find more Debt help info @ http://www.FAST-DEBT-REDUCTION.INFO and debt reduction info @ http://www.DEBT-RESOURCES-FYI.INFO/consolidation-debt-non-profit.php online. For Weight loss related articles: http://www.weightloss-fyi.info
------------------ ARTICLE END ------------------

Direct Deposit in 24 hours Payday Advances

Ryan Arsendatama offers the following royalty-free article for you to publish online or in print.
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Article Title: Direct Deposit in 24 hours Payday Advances
Author: Ryan Arsendatama
Category: Loans, Credit, Finance
Word Count: 446
Keywords: payday, pay, day, advance, loan, direct, deposit, 24 hours, online, application, approval, cash
Author's Email Address: arsen@satellitetv-choice.com
Article Source: http://www.articlemarketer.com
------------------ ARTICLE START ------------------

Many lenders now provide direct deposit in 24 hours for payday advances online. You do not have to go to a payday advance shop to apply for the loan, instead you simply complete an online application, submit it, and wait for the money to be deposited directly into your bank account in 24 hours or even less. Direct deposit for payday advances has become more popular as there is increasing demand from customers to get fast cash to help them resolve their financial emergency.

Online application form for payday advance is very simple. You need to supply such information as your name, home address, telephone numbers, drivers license state and number, employer name and address, total number of employment, bank name, and account details. In addition to this, you may be required to fax a copy of your latest payslip stub, utility bill, and drivers license.

There are a few reasons why applying for a payday advance is in your best interest. First it saves you a lot of time to complete and submit the application. You can do everything from the convenience of your PC, instead of making a trip to a loan shop and waiting for hours in a crowded line. Secondly, by applying online you have the opportunity to compare interest rates from various payday advance lenders. Thirdly, your application is processed securely with guarantee that all information will not be sold to a third party as payday lenders adhere to very strict rules and regulations to keep their customers details confidential.

Bad Credit No Problem

Payday advances, also known as payday loans or cash advances, do not perform credit check as part of the requirements. This means you can still qualify for the loan even though you have a bad credit history. In addition, applying for the loans will not affect your credit score. The loan history will not increase or decrease your credit rating at all.

Payday advance lenders generally look at your employment history and your bank account standing. If you work full time for more than 6 months for the same employer, receive regular income, and have checking or saving account, then you are almost guaranteed to qualify for the loan. Direct deposit can be done in 24 hours after your application is approved.

How much can you Borrow?

In general, the loan amount ranges from as little as $100 to $1500 depending on the lender. First time customers may only be able to borrow up to $300, whereas bigger amounts are available for returning customers who have a higher financial capacity. The repayment period takes between 14 and 30 days with possible extension if you are unable to make the repayment in the due date.

You can get instant payday advance loans easily online: http://www.ez-cash-loan.com/instant-payday-loans.html. Get direct deposit in 24 hours by applying for a payday loan here: http://www.ez-cash-loan.com/online-application-payday-loan.html.
------------------ ARTICLE END ------------------

Secured Credit Cards - Easy Way To Establish or Re-establish Credit

Liz Roberts offers the following royalty-free article for you to publish online or in print.
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Article Title: Secured Credit Cards - Easy Way To Establish or Re-establish Credit
Author: Liz Roberts
Category: Loans
Word Count: 493
Keywords: secured credit cards, secured credit card, secured credit, credit repair,improve your credit,improve
Author's Email Address: idtheft_01@yahoo.com
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------------------ ARTICLE START ------------------

Typically, secured credit cards are issued when the holder is able to offer a type of security deposit to the lender by depositing a pre-arranged amount of money into a savings account, money market or certificate of deposit. This is how it works: Usually, for a small fee, the lender will allow the cardholder to utilize the credit card within the specified parameters. Unlike using the cash for any purchases, the secured card creates a credit history for the holder, thus contributing to their overall credit rating.

With a secured credit card, it is imperative that you make full payments each and every month; otherwise interest is charged on the outstanding balance. If you default, the lender will use the amount in the security account to pay off the debt and this can result in more damage to your credit rating.

Don't Fall Prey To Credit Card Scams

As with any other financial undertaking, it is important that you read the fine print so you are totally aware of exactly what you are paying for. There are some pretty unscrupulous predators out there whose primary goal is separating you, the consumer, from your money. For this reason, you should pay particular attention to the fee schedule prior to accepting any offers for credit cards. Of course, no-fee credit cards are best, but most often the lender will require a small one-time activation fee, which can typically range from $25 to $60.

The user must be vigilant when obtaining credit, so it is your responsibility to make sure there are no hidden fees. Special care must be taken when the contract contains clauses outlining registration charges and/or set-up fees. In some cases, the cost of the card can quickly exceed your credit limit, thus only adding to your credit woes.

Do Your Research On Secured Credit Cards Before You Apply

With a secured credit card, you may have to pay a higher than average interest rate, however, this does not mean that the interest charge is outlandish. Many secured cards offer competitive rates under 19% and again, this is where diligent research on the part of the user becomes paramount. You should be cognizant of all grace periods, the penalty for late payments and the fees charged should full payment not be made within the proscribed time frame.

Once you show due diligence over the specified time frame (most lenders like to see a history of six months to one year of responsible credit card use), the creditor may offer to double the amount of credit available to you, with a portion of this fixed amount being unsecured. Should you choose to close out the account, however, the unsecured funds must be returned to the lender.

The cardholder should ensure that the creditor regularly informs credit-reporting agencies of their payment history. Once it can be established that you are using credit reliably and sensibly, your credit score will increase and you will then be eligible to apply for an unsecured credit card.

Liz Roberts is a loan consultant with NewHorizon Finance and has been providing consumers and business owners with financing since 1989. Bad Credit? Get our free credit repair ebook at http://www.newhorizon.org/Info/creditbk.htm
Copyright 2007
------------------ ARTICLE END ------------------

Buyers Unaware Of Full Property Costs Are 'Vulnerable'

Abbi Rouse offers the following royalty-free article for you to publish online or in print.
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Article Title: Buyers Unaware Of Full Property Costs Are 'Vulnerable'
Author: Abbi Rouse
Category: Mortgage, Loans, Personal Finance
Word Count: 521
Keywords: home,loans,mortgage,property,costs,secured
Author's Email Address: abbi.rouse@inter-financial.com
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------------------ ARTICLE START ------------------

Homebuyers need to be conscious of the implications of valuation fees when looking to move property, an industry expert has reported. According to Julia Harris, mortgage analyst for Moneyfacts, consumers - which may include those who have taken out a home and Secured loan - should be wary of all the applicable charges behind the house buying process. Ms Harris claimed that in addition to expenses such as higher lending charges and procuration fees, buyers need to remember that valuation costs can also increase the total cost of purchasing a home.

However, if this not taken into account it is possible that consumers may incur debt difficulties in the short-term future if they are unexpectedly with a fee which "has slipped through the net". She said: "As many first time buyers struggle to step on the housing ladder, lenders are using fee free deals to entice borrowers who are unable to afford the start-up costs. "But of course you will be paying for this by way of a higher rate."

The analyst also pointed out that when mortgage lenders offer such free valuations they are usually referring to a brief assessment which overlooks the general order of the home and compares the buyer's prospective property with similar housing. Ms Harris added that as a result these valuations make sure that "the lender is not advancing you more than the property is worth". "So although you are footing the bill, the lender receives the benefit," she claimed. However, those wanting a more comprehensive assessment of a house could be advised to opt for a homebuyer or full structural survey.

But with the extent of these evaluations varying across financial services providers, Ms Harris claimed that "if you do find yourself faced with paying a valuation fee, the cost varies considerably between lenders". Out of the ten mortgage providers surveyed by Moneyfacts, the difference in costs for a homebuyer report was reported to be as high as 345 pounds.

Meanwhile, this figure rose to 360 pounds for those carrying out a basic valuation. She reported that when based on a two-year deal for a 200,000 pound mortgage, such a difference is the equivalent of a 0.13 per cent rise in interest rates which can well impact upon consumers' ability to make repayments on secured and home loans. With "such large variations in the size of fees" Britons were advised to take the time to find the best secured loan product possible.

Ms Harris added that fees often "running into hundreds of pounds" in addition to "crippling" stamp duty and four digit arrangement costs, buyers need to be savvy when looking to borrow money. She suggested that consumers need to be aware of the full cost of the property buying process, otherwise they face being left in a "very vulnerable position".

"It's no wonder borrowers are struggling to find the upfront costs needed to move home or to step on to the property ladder," the analyst asserted. Earlier this week, director of mortgages for Alliance & Leicester Stephen Leonard reported that the effects of rising interest rates on secured and home loan repayments is directly impacting upon uptake of housing.

Abbi Rouse writes for Essentially Home Loans where visitors can apply for secured loans online, we also specialise in bad credit loans for UK residents. Visit Today: http://www.essentiallyhomeloans.co.uk
------------------ ARTICLE END ------------------

Financing Your New Look:

Barry Lycka offers the following royalty-free article for you to publish online or in print.
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Article Title: Financing Your New Look:
Author: Barry Lycka
Category: Personal Finance, Health, Loans
Word Count: 721
Keywords: financing cosmetic surgery
Author's Email Address: basl@shaw.ca
Article Source: http://www.articlemarketer.com
------------------ ARTICLE START ------------------

So you're considering having some cosmetic surgery done, but your insurance won't cover it and you don't have the money to pay for it up front. Believe it or not, there is a way to finance that tummy tuck or eye lift.

What to Consider

The Cost

Cosmetic surgery is expensive. Procedures cost anywhere from $500-$25,000 depending on the type of procedure being performed. Financing your surgery will only add more to that cost due to interest rates.
As with any type of financing, your interest rate will vary based on your credit history, selected loan term and the loan amount. Available loan terms may include 12, 24, 36 and 48 months or a revolving credit line depending on your credit background. Keep in mind: If it sounds too good to be true, it probably is. Be skeptical of financing companies offering 1% rates, because there is usually a hidden cost behind these offers.

Also keep in mind that you may need to come up with a down payment in order to finance your surgery. Down payment requirements are determined based on your credit history and your health care providers requirements, if any. If you have average or above average credit, you may not be required to put any money down.

As with any type of financing, whether it be a car, a home, or even cosmetic surgery, you should take into account what your current financial situation looks like and determine whether or not you can afford a regular monthly payment for the next 24, 36, 48 or 60 months.

If you have not already done so, figure out your monthly income subtracted by your bills, don't forget to include miscellaneous items such as groceries, toiletries, gas, household products, pet food, etc. After you have created a monthly budget, you can now determine whether or not you can afford another $100-$200 monthly payment.

The Procedure

Before you begin to get all excited about the prospect of financing your new look, it's important to understand why you want to have this kind of procedure done. Make sure your expectations are realistic and that you are doing this because you believe there are no other options. Consider both the pros and cons of cosmetic surgery and weigh your other options.
A good rule of thumb for financing cosmetic surgery is to finance only major surgical procedures. If you're considering Botox, for instance, the prices are reasonable enough, but if you're financing the injection(s), it will cost you more than it's worth.
You should also keep in mind that most types of cosmetic surgery need to be maintained on a regular basis, and fighting the aging process completely is futile.

Finding a Surgeon

Although a cosmetic financing company can refer you to a surgeon, it's best to find one before you contact a financing company. Dr. Steve Fallek, a cosmetic and reconstructive plastic surgeon in New York and Englewood, NJ suggests that a financing company is not going to be able to give you the best plastic surgeon.

You want to go to a board-certified cosmetic surgeon who is reputable, honest and who hopefully you've gotten the name from someone who has had plastic surgery from that person. Fallek says patients should ask their surgeon to recommend a finance company.

Financing Companies

Before you chose a financing company, make sure they are reputable. They should have a good track record in financing health care procedures and should work with a network of doctors.

If you have found a surgeon to do your procedure, you may also ask if he/she has financing available. The terms of the financing should be clearly outlined in writing before you apply for any financing, and you should never pay a broker fee.

Most surgeons use the same financing companies, so don't waste your time looking for surgeons who may have lower rates. Seeing different surgeons takes up time and money.

You may also want to consider using your credit card if the interest rate is lower. Some people also borrow from family or even take out a home equity loan.

The Decision is Made

If you have now decided that you can afford to finance your cosmetic surgery, research your procedure online to find out the benefits and risks. You may also want to discuss your surgery options with your primary physician who may also provide you with a list of surgeons and payment options.

Dr. Lycka is one of North America's foremost authorities on cosmetic and reconstructive surgery. You can find out more at http://www.barrylyckamd.com and http://www.restoringyouthonline.com. He is founder of The Ethical Cosmetic Surgery Association (http://www.ecsaonline.com).
------------------ ARTICLE END ------------------

Debt Consolidation Agencies

John Porter offers the following royalty-free article for you to publish online or in print.
Feel free to use this article in your newsletter, website, ezine, blog, or forum.
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Article Title: Debt Consolidation Agencies
Author: John Porter
Category: Personal Finance, Debt Consolidation, Loans
Word Count: 433
Keywords: debt help,debt reduction,lower interest rates,consolidate loan,consolidate debt
Author's Email Address: am@projectempire.net
Article Source: http://www.articlemarketer.com
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Many of us experience the nightmare of debts and liabilities. There are many such people who are looking for ways to knock off their debt with the help of a magic wand. A single low monthly debt is what all we can afford institutions of other responsibilities of our families.

We are all looking for various ways to minimize our debts and monthly bills. Trying out a debt solution in this respect is the most intelligent way to consolidate it. A debt consolidation company is capable of offering such debt solutions that will ease your debt burden. The main issue in this context is to obtain the best rate and repayment schedule that will suit your financial condition.

A debt consolidation agency is empowered to provide you with the magic wand you are looking for. A debt consolidation agency helps you to consolidate your bills and cluster them into one monthly payment that is affordable to you.

If the existing debts are all combined into a single debt payment with low monthly payments then you are sure not to have those nightmares of missing your debt deadline again.

A debt consolidation agency reduces your minimum payments and interest towards the debt. You can manage your money better with payments and rate of interest optimized to ensure more savings and utilizing the money saved towards other activities important in life. However you need to do some ground work before you locate the best debt consolidation company.

Using the telephone directory and the internet you can locate many such debt consolidation agencies operating in the financial market. Even you can use your friend, family and neighbor resources to locate the right company for you. You can ask them about their experiences on consolidating debts with any such agencies.

You can browse the net and create an exhaustive list for optimizing your search. You need to spend some time going by the list and comparing various rates, services offered, speed of approval and disbursement, etc. Locating an efficient agency in the neighborhood will serve your purpose the best.

To determine whether your debt consolidation agency is best in the market you need to find out about their charges. If your agency charge extremely high fees then it is better to look for other options. Try to find out how other customers feel about the services that this agency offers.

You deserve best attention as one of their customers. If you are not satisfied the way they respond to your concern and issues then the customer relations of your agency is not satisfactory. In such cases either negotiate for better service or just quit them.

Find more Debt help info @ http://www.DEBT-REDUCTION-TECHNIQUES.INFO and debt reduction info @ http://www.DEBT-REDUCTION-TECHNIQUES.INFO/sitemap.html online. For Weight loss related articles: http://www.weightloss-fyi.info
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How to Borrow Money Online with Quick Guaranteed Payday Loan

Ryan Arsendatama offers the following royalty-free article for you to publish online or in print.
Feel free to use this article in your newsletter, website, ezine, blog, or forum.
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Article Title: How to Borrow Money Online with Quick Guaranteed Payday Loan
Author: Ryan Arsendatama
Category: Loans, Banking, Credit
Word Count: 413
Keywords: payday, loan, loans, borrow, money, online, quick, guaranteed, faxless, secure, easy
Author's Email Address: arsen@satellitetv-choice.com
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The easiest way to borrow money when you are in a bind and have desperate need for cash is to apply for an online payday loan. These types of loans provide quick guaranteed cash before your next payday. Almost everyone with a full time job and regular income can get a quick guaranteed payday loan. The approval process is easy and speedy. You can get the money wired directly into your bank account in less than 24 hours.

All you need to furnish to get a payday loan is proof of income and bank account details. This is to ensure that you are able to make the loan repayment. The bank account should be checking or saving account to allow direct deposit and authorized deduction. There are many online payday loan lenders you can find in the Internet. You can follow the link at the bottom of the article for more details.

Secure Emergency Cash Advance

Payday loans are a form of cash advance with short term period of repayment ranging between fourteen and thirty days. The loan amount varies from one lender to another; usually you can borrow from $100 to up to $1500. With online payday loan service, loan application and repayment are made easy. You do not have to write a post-dated check whatsoever as all transactions are done electronically. You receive the cash into your checking or saving account and pay the loan by authorizing the lender to deduct the money out of your account.

Online payday loans offer secure transaction. When you fill in a loan application online you have to make sure that the URL starts with https. This is to ensure that your details, including social security number and bank account, are securely inputted into the system. In addition to this, payday loan companies must adhere to very strict rules and regulations when it comes to keeping details of customers.

Compare before You Decide

It is understandable that you need cash now. However, it is always wise to compare several online payday loan companies before you submit an application. Compare how much their interest rate, how quick the approval process, how flexible their repayment structure, and whether they also offer faxless payday loan with no paperwork involved.

Nowadays, it is easy to borrow money from a payday loan with quick and guaranteed approval. It is recommended, though, to borrow as much as you need because after all it is a loan, not a gift, that you have to pay back in due time.

Click here to apply for online payday loan: http://www.ez-cash-loan.com/online-application-payday-loan.html and faxless payday loans: http://www.paydayloannow.ca/faxless-payday-loans.html. Check also easy cash until payday loans in Canada: http://www.paydayloannow.ca/payday-loans-online.html.
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The Hidden Cost of Credit Cards

Linda Tanner offers the following royalty-free article for you to publish online or in print.
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Article Title: The Hidden Cost of Credit Cards
Author: Linda Tanner
Category: Loans, Inspirational/Motivational
Word Count: 624
Keywords: credit cards,credit repair,restore your credit,raise your credit score,improve your credit score
Author's Email Address: lindat@pmt.org
Article Source: http://www.articlemarketer.com
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These days everyone is trying to improve their credit score. We are almost forced to bow to the FICO score if we are going to get the best rates on a mortgage loans, auto loans, or even business loans. A big part of having a high credit score seems to be the way we handle our credit cards.

Although some choose to rush into getting a credit card, they often do so without being aware of all of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In many cases, these fees and charges won't get noticed by the user until it's too late.

Credit card holders who aren't aware of these hidden costs could easily end up paying possibly thousands of dollars at the end of the year without even realizing it. If you have a reward credit card, your rewards could easily be negated by these hidden costs. Although some credit card users may realize it, there are many out there who aren't aware of these costs at all.

One of the first factors for hidden costs is found in the grace period. The grace period is the extra time you have to pay your bill from the time you receive it until the actual due date. For that period of time, usually around three weeks, you are not charged any interest or fees on your latest purchase. Even though it is great to delay paying that bill for a while, it can quickly lead to a pitfall if you let it. To avoid any type of costs or hidden fees, you should pay your bill as soon as it arrives. This way, you won't have to worry about your grace period or the interest that can accrue from letting your bill get later and later.

The late fee is another cost of using credit cards that is often overlooked by credit card users. Late fees are common with credit cards, although their potential for costs is often overlooked and believe me, those costs can multiply in no time at all.

Late fees can cost up to $40 for each occurrence, which is added to the balance, which they can charge interest on, but that is only the beginning in many cases. If your payment is even one day late, the credit card company can raise your interest rate from a low interest to up to 30 percent or more. And it can be raised on not just the card you made the late payment on, but all the other cards or revolving accounts that you have. It can also lower your credit score which can cause you to pay a higher interest rate on future loans when you want to get that new mortgage loan or car loan.

The easiest way to avoid any hidden fees or costs is to pay your bill as soon as you receive it. You should also always pay more than the minimum as this helps to pay your bill off faster and ensure that you are actually paying on the principal and not just the interest. You don't want to still be paying for that great steak dinner you had last month three years from now!

No matter what you do, always be sure to pay your credit card bill on time. Hidden costs and fees are out there and it is up to you to avoid them. To protect yourself and your credit, you should always be aware of the costs and how to prevent them from happening to you. Read all of the small print that is in your credit card agreement and be aware of the pitfalls of extra credit card charges.

Linda Tanner researches and writes about debt relief and repairing your credit. If you would like to learn more about the use of credit cards, loans, repairing your credit or getting out of debt check out http://www.restoreurcredit.com
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Fixed Rate Borrowers Must Act Now

Abbi Rouse offers the following royalty-free article for you to publish online or in print.
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Article Title: Fixed Rate Borrowers Must Act Now
Author: Abbi Rouse
Category: Loans, Mortgage, Debt Consolidation
Word Count: 505
Keywords: secured,loans,personal,mortgage,fixed,rates
Author's Email Address: abbi.rouse@inter-financial.com
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Those consumers wishing to maintain their secured loan costs should look to act as soon as possible, it has been suggested.

Research conducted by moneysupermarket has indicated that the top ten mortgage providers have increased their fixed-rate mortgage products following the Bank of England's decision to raise the base rate last month.

Due to the quarter of a percentage hike to 5.5 per cent in May, consumers could well find the pressure to make secured loan payments increasing over the course of the next few months.

Louise Cuming, head of mortgages for moneysupermarket, said: "Borrowers needing the stability of a fixed-rate product should reserve their next deal now if their current mortgage term is set to end soon.

"While fixed rates have been looking pretty good in relation to the base rate, they appear to be going up - and fast."

The financial firm indicated that lenders are continuing to increase costs on their fixed-rate deals, ahead of an increase to the base rate predicted to take place on July 5th - which consequently could place further pressure on those making repayments on secured homeowner loans.

Ms Cuming pointed out that Abbey pushed up the price of its fixed-rate products last week, with Halifax set to do the same today (June 25th).

"It is only a matter of time before other lenders follow suit and increase their rates again," the industry expert claimed.

She added that those looking to maintain their monthly secured loan repayments in the future can reserve a mortgage deal at the current rate for a period of up to six months.

The comments from moneysupermarket are the second in recent weeks to suggest that cheap fixed-rate mortgages are becoming increasingly scarce.

Earlier this month, Moneyfacts spokesperson Lisa Taylor claimed many loan lenders are increasing interest rates on their products to beyond the six per cent figure.

She also pointed out that since the beginning of June "at least nine" suppliers have withdrawn some, or all, of their fixed-rate products.

As a result, the representative suggested that those concerned about meeting secured loan repayment costs should aim to take out a fixed-rate product as soon as possible as a third interest rate rise of the year could take place.

Ms Taylor said: "With a further rate rise still potentially on the cards for 2007, those consumers on a tight budget will need to act quickly before more of the current best buy fixed-rate deals vanish."

She claimed those who fail to take out a fixed-rate product as their current deal expires are set for a "nasty shock" as monthly secured loan loan repayments rise.

However despite increased pressure to pay off loans, consumers were always advised to make repayments on their borrowing.

MoneyExpert chief executive Sean Gardner claimed that failing to make payments could see borrowers damage their credit rating and risk going to court.

His comments follow research indicating some 1,389,000 personal loan repayments have been missed so fear this year.

Mr Gardner said: "This is yet another warning of real financial distress and a sign that finances are being stretched to the limit by recent interest rate rises."

Abbi Rouse writes for All About Loans. Our visitors can apply online for bad credit secured loans. We also specialise in cheap loans, and debt consolidation loans. visit our site http://www.allaboutloans.co.uk
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Credit Card Debt Consolidation

John Porter offers the following royalty-free article for you to publish online or in print.
Feel free to use this article in your newsletter, website, ezine, blog, or forum.
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Article Title: Credit Card Debt Consolidation
Author: John Porter
Category: Personal Finance, Debt Consolidation, Loans
Word Count: 439
Keywords: debt help,debt reduction,lower interest rates,consolidate loan,consolidate debt
Author's Email Address: am@projectempire.net
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Sometimes we forget to balance our expenditure with the amount of money we earn and land up spending more than what we can actually afford to spend. This is an inevitable way to fall into a debt trap.

Credit cards are just designed to increase our purchasing power beyond what we are capable of earning. We follow the footsteps that theses credit card companies set for us and fall into the trap of credit card debt. We use one credit card to make pay the outstanding on another card. We fail to realize that this only increases our debt burden at a rate that can destroy our financial position completely.

The credit card companies will lure you in all possible ways to make you a card holder. Even they will make promises to bear with you and make you their more privileged customer, but when it comes to repaying your debt if you do not co-operate they can ruin your credit history. They will follow very strict repayment rules and you end up paying double the amount you have spent on your card for their high interest rates on defaulting.

Most of us carry too many cards. Managing a set of credit cards with different installments to pay, varying repayment schedule and interest rates often becomes cumbersome. So we miss our deadlines for repayment and pay extra as a penalty charge every time for such a mistake.

Credit card consolidation could be the only intelligent way out from this uncomfortable situation. Credit card consolidation loan is offered by building societies, majority of the banks and financial institutions. Online credit card consolidation opportunity is offered by many agencies.

Debt consolidation loans on credit cards are of two types- secured and unsecured. You need to place a collateral to get a secured loan whereas unsecured does not require any such collateral. The unsecured loans exhibit high interest rate, tight prepayment schedules and low loan amount because the lender's interest is not protected by any collateral from the borrower.

This risk is offset when you are approved for a secured loan that has collateral that makes the borrower more trustworthy for loan with regular rates and flexible payment schedules.

Internet has given us the opportunity to compare the competitive rates offered by such consolidation companies for credit card debt consolidation. You just have to browse and search a little on the net to find the right kind of deal that is just tailored for you.
Credit card debt consolidation is thus the most judicious way to reduce multiple debts into one low monthly installment and improve your credit rating for better management of fund in future.

Find more Debt help info @ http://www.CONSOLIDATE-YOUR-BILLS.INFO and debt reduction info @ http://www.CONSOLIDATE-YOUR-BILLS.INFO/sitemap.php online. For Weight loss related articles: http://www.weightloss-fyi.info
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Bad Credit Payday Loans UK: Instant Cash Loan

Ryan Arsendatama offers the following royalty-free article for you to publish online or in print.
Feel free to use this article in your newsletter, website, ezine, blog, or forum.
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- Please send a copy of the publication, or an email indicating the URL to arsen@satellitetv-choice.com
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Article Title: Bad Credit Payday Loans UK: Instant Cash Loan
Author: Ryan Arsendatama
Category: Loans, Banking, Credit
Word Count: 445
Keywords: bad, credit, payday, loan, uk, cash, no credit check, online, application, approval
Author's Email Address: arsen@satellitetv-choice.com
Article Source: http://www.articlemarketer.com
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If you are in need of emergency cash but have bad credit rating or bankruptcy history, then you may want to consider getting a payday loan. Many lenders in the UK provide bad credit payday loans that allow you to borrow cash up to £1000 or more in easy and convenient way. A payday loan company will not perform a credit check to approve your loan application. Your qualification for getting loan is primarily based on your ability to make a repayment. This can be verified by a pay stub from your employer and bank account.

A payday loan is a form of cash advance in that you borrow cash and return it after your next payday. The loan term is generally between 14 and 21 days with the interest rate slightly higher than normal bank loans or credit cards. This is understandable since payday loans do not consider bad credit history and require no collateral as part of the loan qualifications. In addition to it, the process of getting a payday loan is very quick compared to any other conventional loans. In many cases, you do not even have to make a trip to visit a payday loan shop. With the convenience of Internet you can apply for the loan online from the comfort of your bedroom.

Payday Loan in 24 Hours

The approval process for getting the loan is very fast. Some payday loan lenders in the UK are able to process your application as quick as in 24 hours or less. You receive the money deposited directly into your nominated bank account. This will mean you can pretty much resolve your financial emergency in the same day. Imagine if you have overdue bills to pay such as medical bill, car repair, utility bill, etc. Getting a payday loan can help you ease your mind while you are also sure that you can make the repayment on your next payday.

Automatic Repayment

You make a repayment for a payday loan in a single installment. The payment will be setup and automatically deducted from your checking account on the due date. You will want to make sure that the funds are available on your payday as there would be a fee if the debit is rejected from you account. Even though getting a bad credit payday loan in the UK is very easy, you should always compare different rates from a number of lenders before making a loan decision. Some lenders use different fee structure, much depend on their location. On top of that, make sure that you use the loan within the timeframe you agreed to avoid extended fees that would incur due to late payment.

Getting a bad credit payday loan in the UK is easy, check out: http://www.ezcashloan.co.uk/bad-credit-cash-advance.html. Some lenders even provide faxless payday loans as you can find here: http://www.ezcashloan.co.uk/faxless-payday-loans.html.
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