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Home > > Bank of america miles edge visa rental car insurance

Bank of america miles edge visa rental car insurance

Is credit card debt driving you crazy? Spent too much this holiday rental Platinum credit cards edge car visa miles bank america of insurance season?Well, you’re definitely not alone.

Credit card debt is a way of life these days. Especially now, right after the holidays!For many people, money gets REAL tight this time of year – we need to pay for all the holiday gifts, get ready for tax season…Ahhhh!What can you do if debt has taken over your life?Make getting out of debt your New Year’s Resolution for 2006!Here are 5 simple tips for getting out of debt. Keeping a New Year’s Resolution is difficult. But if you follow these tips, you’ll be prepared for a prosperous 2006!1) Write down your goal and make a plan for achieving it!The first step to getting out of debt is by far the most important – you need to: make a commitment to get out of debt write it down and come up with a plan for reaching it! Hey, you didn’t get into debt overnight, and you won’t get out overnight, either. But if you want to get out of debt – if you REALLY want to get out of debt, you need to have a plan. And you need to stick with it.2) Seriously consider using a debt reduction programIf you have the discipline to get out of debt on your own, without any help, then good for you! But if you’re like most people,bank of america miles edge visa rental car insurance a little help will go a long way. Here are a few debt reduction programs to consider:Credit counseling: If you have high interest rates on your credit cards, working with a non-profit company will help you lower those high rates, and combine your credit card bills into one lower monthly payment – which means more of your money will go towards reducing your debt!Debt consolidation loan: If you own a home, you can consider taking out a home equity loan to pay off all your credit card bills, lower you interest rates, and possibly deduct the interest on your taxes (but check with your tax professional on this one).Debt settlement: If nothing else is working, and your debt is still overwhelming, then you should consider debt settlement. This is a more aggressive approach, and is not right for everyone, but if you’re considering bankruptcy, this is a good option. You can pay off all your credit card bills at a savings of 40-60%, and get out of debt much quicker.3) Start fixing your credit problemsMany people think that anything that goes on your credit report stays there for 7 years. Well, that’s not always true. I got a bunch of negative credit items off my credit report – all I did was get a copy of my credit report, and ask the credit bureaus to remove the “bad stuff”. In just a few months, my credit was almost back to normal. There’s nothing that says we must pay for our mistakes forever (or even for 7 years)!4) Cut down your monthly expensesIf you overdid the spending in 2005, then it’s time to cut out all the expenses you don’t need, and use the money you save to pay off your credit card bills. Take a look at your checking and savings account statements, your credit card statements, and your monthly bills. Then start looking for things to cut. I know, I know, it’s hard to live without cable TV, cell phones, internet access, the morning paper,Platinum credit cards weekend dinners and entertainment. BUT DO IT ANYWAY – at least until you get your debt back under control!5) Make some extra spending moneySometimes making more money is the best answer! There are lots of ways to make money – selling some of your valuables, getting a part-time job, starting your own business. Despite some of the ads you read, there’s no really secret to making money – you just need to find something you like to do, and work hard at it!6) Think positive!OK, there were only supposed to be 5 tips, but this one is the best one – no matter how hard life can get, no matter how much debt you have, the one thing in life you can control the most is how you think. So rather than focusing on what you don’t have, be thankful for all that you do have. Nobody dies wishing they had made more money or worked longer. But many people do regret all the fun and meaningful things THEY DID NOT DO! So make some time to have fun, think positive, and find little ways to enjoy life EVERY SINGLE DAY you are here on plant Earth!Wondering what makes me an expert on debt? Well, I lived through it. I know what it feels like to struggle. And I know what it feels like to overcome financial problems. There’s nothing special about me. I work at a college, so I don’t make a heck of a lot of money. I didn’t win the lottery. And no rich relatives left me a pile of money.I just learned a few simple strategies – actually, I learned the 5 tips you just read about – and stuck with them until my life changed for the better.And you can, too – just follow the tips above, believe in yourself, and DON’T LET ANYONE OR ANYTHING STOP YOU FROM REACHING YOUR GOALS in life!2

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One day, while you are shopping at your favorite department store, the sales clerk says to you, “If you apply for our credit card, you can save ten percent on your purchase.” You think about it and decide, “Why not?” You provide some information to the clerk and a minute or two later, your credit card application is approved, your discount is applied, and you’re on your way home.

Was this a smart thing to do? There are several reasons why it may not have been a good choice:

  • The card will probably carry a higher interest rate than the major credit card you had planned to use. Do you really need a credit card with a 20% interest rate?
  • The card may not include a grace period for the accrual of interest charges. You may find that although you saved 10%, you started paying 20% interest the minute you walked out the door!
  • The quick credit check that the store made to see if you qualify for credit put a small dent in your credit score, as will any credit inquiry. In and of itself, that’s not a big deal, but a number of inquiries in a short period of time can affect your score significantly, and not for the better. The credit bureaus do not look favorably on repeated inquiries; it makes the borrower look desperate.
  • While it is certainly convenient to carry credit cards, it is not wise to apply for one without giving it a bit of thought first. The ten percent you save at the time you apply may be a small consolation for the large sums of money you may pay later. You might have been better off just paying with cash or another credit card in the first place.

    Using a mortgage broker to shop for home loans can make the borrowing process a lot less stressful than doing it yourself. Here are the nuts and bolts on getting a good broker.

    Competent Mortgage Brokers

    There are a couple of obvious situations where going with a mortgage broker makes perfect sense. If you have less than perfect credit, a mortgage broker is going to be able to open your eyes to numerous loan options a traditional bank would never tell you about. If the idea of handling the mass of paperwork involved in the loan application scares you, a mortgage broker is definitely going to be a savior since they will take on that burden. Still, how do you know if you are talking to a competent broker?

    The first issue to address when considering whether to use a mortgage broker is scope. Scope refers to the number of different lenders the mortgage broker works with in home financing. Generally speaking, the more lenders the broker works with, the better mortgage options you will get and, ultimately, the better financing. A good mortgage broker should have at least eight different lenders they work with and be able to go find others should your particular situation call for a special financing package. If the broker identifies only two or three lenders, you need to move on to the next broker.

    The second biggest issue is the mortgage broker’s knowledge of the lending industry. By knowledge of the industry, the broker should be able to identify multiple lending programs and the various lenders and options for each. For instance, you might ask the broker who he works with and the loan options available for a person with a 580 [poor] credit score. Further, ask the broker if he has arranged funding for such loans before and the specifics of the loans used. If the broker shows a depth of knowledge and starts rattling on about options, you’ve found the correct broker. If they don’t, you haven’t.

    Broker Fees

    Mortgage brokers are paid upon performance. If they don’t get you a loan, they don’t get paid. The positive aspect of this is you can be the mortgage broker is going to bust their tail coming up with a solution for your problem. The negative aspect is you need to make a determination as to whether the options give to you are good loans for your situation. The commission of a mortgage broker is typically paid out of the loan proceeds, but costs such as appraisals are your responsibility. The broker should have no problem telling you their commission rate on the loan.

    If you don’t trust banks to give you the best deal or have been turned down by a lender, mortgage brokers are a great way to find good deals. Understand the nuts and bolts of what they do and you are on your way to getting a loan.

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