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0% intro apr cards

It seems to be common knowledge today that we are living in a society overwhelmed with debt. Credit card balances are hitting all time highs and in return, people are running into more and more problems with their credit ratings.

These circumstances have led to decreased credit scores which lead to increased fees for credit cards, auto insurance, and can even affect you getting a job!A recent study has shown that nearly 70% of credit reports carry some type of error on them. 70%! Statistics like this is one factor which has resulted in the government allowing Americans the ability to receive a free credit report every year. Americans need to become more aware of what is reported on their credit reports to help decrease these errors.One business that has begun to flood the web is “Credit Repair Companies”. There are several different websites, many of them claiming to be law firms, which will charge you numerous fees to clean your credit report for you. Typical tactics used by these credit repair companies are bombarding collection agencies with letters, asking them to remove your negative items. What consumers need to know is that these tactics, which give the credit repair company’s the nickname “Dispute mills”, are not effective in removing negative items! Typically it does nothing more then raise red flags at the collection agency’s and can even make it nearly impossible in the future for you to try to re-dispute an item on your own. Collection 0% apr intro cards Agency’s will see these as what it is, a mass mailing to get negative items removed, and take it as ungrounded reasons to have items removed.Their tactics and fees are on thing to consider but one previously unmentioned thought may be even more important, identity theft! Identity theft is one of the highest crimes in the country today. When you hire a credit repair company on the internet you may know nothing more about the company then its website address. There first step will be to charge you all kinds of fees, secondly they will want a copy of your credit report so that they can fix your negative items or errors. Now if this is a legitimate law firm or credit repair company, there may be nothing to fear, but what if their not? You just gave someone access to all your personal information including not only your credit card numbers, loan numbers, but your social security number, address and everything that legally makes 0% intro apr cards you…YOU!For those few reasons you need to understand that you do not need to hire anyone 0% apr intro cards to fix your credit report. You can accomplish the same thins even the best credit repair company can accomplish, by doing it yourself! 0% intro apr cards The people at help you to learn how you can fix your credit effectively, legally and simply. They provide you with a simple step-by-step calendar to follow, sample letters to send to collection companies or creditors, and maybe even more importantly, empower the consumer by informing them of their legal rights when it comes to credit repair.We shouldn’t become overwhelmed by the process or frustrated by the creditors games. Become informed, learn your rights and regain your credit freedom!2

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Have you ever heard the expression, "Throwing good money after bad?"

Have you ever worked on something you knew was a bad idea, yet continued to pour time and energy into it? And every time you tried to stop yourself from going forward, you said, "but I've got so much put into it!"

When we make decisions about the future, many of us base a good part of our analysis on the resources we have invested thus far. It's a natural thing to do; you've put time, energy, money, perhaps other things - and perhaps most important, your reputation - on the line, and it's quite reasonable to consider the totality of that investment when thinking about what you do next.

Actually, it isn't.

It isn't reasonable at all.

The only reasonable thing that to consider is the impact of your actions on the future.

Say you've spent the last several years and a bunch of money into a venture that simply isn't performing as you hoped. You haven't hit any of your success marks, and in fact, you're not sure the project is worth anything at all. So by and by a new opportunity comes along - one that is filled with potential, and in some ways seems like a perfect match. But you have difficulty letting go and jumping in. Something's holding you back and that something is the specter of sunk costs.

You feel like you shouldn't just walk away from all the cash and time you've already invested. You feel as if everything you've put in should somehow make the venture worth something.

I've got bad news for you...

It doesn't.

The venture may be worth something, but its value has nothing to do with how much you've spent to date. It is worth what it is worth, and for good, bad or otherwise, the amount of money, time... whatever... has nothing to do with it.

That's the fallacy of sunk costs.

Sunk costs are sunk.

They are gone.

They are spent.

The assets you've created may have some surplus value, like unused inventory. Or they may have salvage value, and just like the 5-1/2 tons of gold bullion on the HMS Edinburgh, that value might be quite large. You wouldn't just walk away from assets with salvage value like that. But in many cases the value of your sunk costs is a tiny fraction of the original price.

No matter the value, none of this has anything to do with decisions about actions you will take today, tomorrow and the next day, which must be weighed on the merits of highest and best use.

Ask yourself the question, "What is the highest and best use of my time?" or "What use of my time will make the greatest contribution towards my aims and goals?" Ask this question without regard to what has happened until now.

Perhaps you've spent the past three years developing some software that you thought was going to change the world. Three years later, it works, but not brilliantly. In the meantime, a competitor has built a superior solution that runs rings around yours in the lab and in the marketplace and things are looking pretty grim.

But you have just stumbled across a brand new business idea - that has nothing to do with your software business - that you can implement quickly and profitably. What do you do?

Many people, would, quite reasonably say, "I've spent so much on this product, and I'm so close - I'll just keep working on it.

But you know that would be wrong. It would not be the highest and best use of your time; it wouldn't give you the greatest return on your actions. That would be a decision based solely on your attachment to the past and your attachment to your sunk costs.

Be unreasonable. Make each decision as if there were no past attached. Make each decision based on your highest and best use - your greatest contribution. Evaluate each decision based on how it will impact your ability to get what you want, not on what you've spent to get where you are.

There are several options for cheap debt consolidation loans. The best rates can be found with secured loans, like a home equity loan. But, even personal loans can save you money on interest charges when you pay high rates on credit cards and other unsecured debt.

Before you apply for a debt consolidation loan, check your credit report for any errors. That way you won’t end up paying higher rates than necessary. Then start comparing lenders and their terms to get approved for the cheapest loan.

1. Check Adjustable Rate Loan Terms

With an endless number of financing offers, it can seem a bit overwhelming trying to find the cheapest debt consolidation loan. When looking at financing, remember that you have to factor in closing costs and fees besides just looking at rates.

So cashing out your home equity by refinancing your mortgage could be more expensive than taking out a home equity loan. Unless you see a significant drop in your mortgage rates, closing costs will eat up any savings you see in refinancing your mortgage. As a rule of thumb, adjustable rate loans usually have the lowest starting rates. You can also take a look at introductory credit card offers. Some offer low lifetime transfer rates.

2. Review Your Free Personal Credit Report

Before shopping for financing, peek at your credit report to be sure that it is accurate. Any errors you find should be handled by the reporting agency.

While you can’t dramatically improve your credit score overnight, consider spreading your debt over multiple accounts. A maxed account is a negative. Also, limit the number of credit inquires you allow. Only let the most promising lenders look at your credit report to formulate a financing offer.

3. Compare Debt Consolidation Lenders and Their Offers

By far the easiest way to get approved for low rates is to request quotes based on your credit score. Without giving permission for lenders to access your credit report, you can get accurate quotes without affecting your credit score.

While you are looking at lenders, look at the different types of financing available. Special offers on rates may convince you to change your mind on how to finance your debt consolidation.

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