Royalty Free Articles by Category
Personal Finance Articles

1. 

If you have never been in debt before or you are young, then getting a credit card can be hard. Strangely, lenders trust people who have been in debt and paid it back more than people who have never had any debt. Although it may seem hard to get a card if you have not gotten one before, there are...

• Date Added: 6/8/2006
• Views: 347

2. 

Not many people spend too much time thinking about it, but every one of us, has a computer file somewhere that contains all the information that makes up our credit history. This information will include our current and previous addresses, our income level, our outstanding debt and how much extra...

• Date Added: 1/13/2006
• Views: 377

3. 

We, at 200 cash.com, understand your urgency for payday loans when the salary day is not really near. With a view to making things as uncomplicated as possible, 200 cash ascertains that you receive our payday loan in minimal time. An established and trusted service, 200 cash is your perfect...

• Date Added: 4/11/2006
• Views: 483

4. 

When you launch a business you get to face your fears. If it's your first company, if it's your 14th business, you will have to cope with fear. Even if you don't face your fears, they'll sneak in while you're sleeping, while you're driving down the street. Sometimes they come in simple and...

• Date Added: 12/7/2005
• Views: 384

5. 

If you find yourself metamorphosing into a plastic junkie, then you may use balance transfer credit cards to consolidate your payments. However, the best balance transfer credit cards offer some incredible deals and if you use them judiciously, who knows, they may even help you write off all your...

• Date Added: 4/6/2006
• Views: 317

6. 

Many people worry that their home will be put at risk if they take out a secured loan over their home. This is because any secured loans that you take out will give the lender a right over your home. This right allows the lender to step in and take possession of and even sell your home in order to...

• Date Added: 5/25/2006
• Views: 304

7. 

If you have ever been asked by your wife, husband, child or friend to have someone else as an authorised signatory to you, i.e. a supplemental signatory, on your credit card account you no doubt gave this some serious thought. If you agreed to the request, the following are some reason why you...

• Date Added: 11/17/2005
• Views: 383

8. 

Load is defined as the fee or the commission that an investor pays to a mutual fund at the time of purchasing or redeeming the shares of the mutual fund.

If the commission is charged when the investor buys the shares, it is known as a front-end load. On the other hand if the commission is...

• Date Added: 7/8/2006
• Views: 299

9. 

It's been widely reported that as a nation we're collectively in debt to a higher level than ever before, and many more people are starting to experience problems keeping their finances together. The level of personal insolvencies and bankruptcies is skyrocketing, and banks are having to put aside...

• Date Added: 1/30/2007
• Views: 249

10. 

There are many reasons why consumers take out loans. Two of the most common types of loans used by most consumers at some point during their lives are homeowner loans and motor loans. Mortgages are required by most home buyers who need financing to help cover the costs of purchasing property. Some...

• Date Added: 6/4/2008
• Views: 12

11. 

Why a Payday Loan? The Answer to Short Term Cash.

No matter how well you plan your expenses, there are times when you land into trouble. This could be because of a bill that has popped out of nowhere, a birthday or an anniversary gift...

• Date Added: 4/15/2006
• Views: 365

12. 

When applying for low interest credit cards, you may think you know what you are looking for.  After all, it seems pretty clear. The lower the APR, the less money you will have to pay, right?  In reality, this is not always the case.  In fact, one factor you will need to take into consideration is...

• Date Added: 5/1/2006
• Views: 300

13. 

Need to borrow some money then a personal loan maybe for you, most people take a personal loan for home improvements, to purchase a car and holidays. Loans are very simple you borrow a sum of money and pay it back over a period of time say anywhere between 6 months to 10 years.

Interest...

• Date Added: 5/31/2006
• Views: 289

14. 

Are you saving enough for retirement? Chances are you want to answer yes to this question. After all, you may be socking away money every paycheck into a 401(K) and getting a good matching contribution from your employer. You may also have your own Individual Retirement Account (IRA) on the side...

• Date Added: 11/10/2006
• Views: 290

15. 

Credit cards are a great convenience in our everyday lives, allowing us to easily buy products online and by telephone, and freeing us from having to carry large amounts of cash when making purchases in the bricks and mortar world. However, there's a potential dark side to plastic, with some...

• Date Added: 12/19/2006
• Views: 251

16. 

If your monthly debt payments to credit cards and banks and retail outlets, exceed 20% of your income, your debts are what might be termed 'out of control'. If that's you, it's time you took serious steps in a smart direction.

The first step you need to take in your self-examination is...

• Date Added: 5/27/2006
• Views: 291

17. 

Debt consolidation is often a last resort for people who are in extreme debt and trying to avoid bankruptcy. Many people who are not in danger of bankruptcy, but have debt on high interest credit cards may also choose to consolidate their debt. Debt consolidation is defined as the process of...

• Date Added: 8/20/2005
• Views: 444

18. 

The Debt Consolidation Loan graciously advertises their real offer of financial help to reduce your damaged credit. Occasionally some companies try to make consolidation loans come across as debt management services with promises of reducing your interest rates, penalties; while simultaneously...

• Date Added: 9/10/2006
• Views: 318

19. 

When looking for low interest rate credit cards, there are many factors you need to take into consideration in order to ensure you are really getting a great deal.  Many people do not realize that low interest credit cards may not really be as low as they think they are.  In fact, these supposedly...

• Date Added: 4/6/2006
• Views: 386

20. 

There is help available for those who are seeking relief from mounting debts. One place to turn for help is a debt management company.
A debt management plan can be set up in order to relieve your debt. You will make one monthly payment to the debt management company who will in turn pay a...

• Date Added: 1/4/2007
• Views: 230