Royalty Free Articles by Category
Personal Finance Articles

161. 

Do you want to get out of debt but can't find the motivation? Do you dread the mail arriving in case it brings you even more bills to pay?

Well if you need a burst of motivation to improve your financial position,  I've put together five reasons to get out of debt and avoid borrowing in...

• Date Added: 3/26/2006
• Views: 539

162. 

Have you wondered how credit card eligibility is determined?

Curious whether you're eligible for a credit card?

It all has to do with your credit rating and credit score. Here we go with a quick tutorial on what constitutes credit-worthiness and how you can make sure that you are...

• Date Added: 3/24/2006
• Views: 374

163. 

Lots of folks have questions about credit cards but may feel shy about asking for fear of being seen as not savvy. Here's a list of frequently asked questions about applying for credit cards to bring you up to speed on what you need to know about the credit card application process.

Can I...

• Date Added: 3/24/2006
• Views: 472

164. 

The vast majority of Americans are investors, although many don't realize it. The vast majority of Americans are creative with their 1040 numbers, although most won't admit it. The majority of Americans would agree that investing, retirement planning, and estate preservation would be easier to...

• Date Added: 3/23/2006
• Views: 536

165. 

House prices have been rising fast all over the UK over the last couple of years. Many people are experiencing a significant increase in their overall wealth as a result. In the United States, this has been termed the 'wealth effect' with an increase in the value of people's homes being recognised...

• Date Added: 3/22/2006
• Views: 483

166. 

There was a time when bankruptcy was probably the biggest stigma that could be attached to anyone in business. Thankfully those days are long gone. Today, bankruptcies are fast, efficient and frequent court procedures designed not as a punishment for the creditor, but as a means of drawing a line...

• Date Added: 3/22/2006
• Views: 513

167. 

There are a number of factors used by lenders that go into pricing the interest rates on a loan. These factors can broadly be broken down into two categories:

• The product you are seeking
• Your credit rating

In many cases, it is the nature of the credit you are seeking that...

• Date Added: 3/18/2006
• Views: 436

168. 

Credit cards have ballooned in popularity over the last decade. While once the preserve of the very rich, or very indebted, they are now available to practically everyone who wants them. They have become far easier to get a hold of. There is also a huge variety of choice out there for anyone who...

• Date Added: 3/18/2006
• Views: 403

169. 

Airline mile credit cards, also known as frequent flyer credit cards, enjoy tremendous popularity as a type of reward credit card. A cardholder is rewarded with points whenever he uses the card to make a purchase. The accumulated points can be redeemed for airline tickets once they reach a...

• Date Added: 3/17/2006
• Views: 410

170. 

Balance transfers have grown in popularity and importance ever since lenders have started using zero per cent interest rates on balance transfers to lure consumers from other companies to their own.

Introductory Offers

These 0% balance transfer offers give the...

• Date Added: 3/16/2006
• Views: 527

171. 

There are plenty of reasons to borrow a bit of extra cash. From paying for home improvements and extensions, buying a new car, starting a business or going on holiday, people are becoming more and more willing to borrow the money they need to take on larger projects. By and large the credit...

• Date Added: 3/13/2006
• Views: 511

172. 

People spend a lot of money on credit and with consumer debt levels continuing to rise dramatically, people are spending a larger and larger proportion of their incomes on credit and financing charges in particular. Car payments, mortgage payments, credit cards, store cards, personal loans, all...

• Date Added: 3/13/2006
• Views: 430

173. 

Reverse mortgages can be a great solution for seniors who wish to remain in their home but are having difficulty making their monthly payments and meeting other financial obligations. If you are over age 62 and own your own home, the bank will actually pay you money so you can stay in your home,...

• Date Added: 3/9/2006
• Views: 610

174. 

More and more people are applying for credit cards online. With the plethora of different means for which you can apply for your desired card, companies really try to make it easy for you to apply for their credit card. Along with online auctions, and shopping, signing up for credit cards, loans...

• Date Added: 3/9/2006
• Views: 386

175. 

With the huge increases in consumer debt we have been seeing in the financial market during the past couple of years, it really is not surprising that more and more people are having to opt for debt consolidation loans. The reasons for this are quite simple; as the benefits of debt consolidation...

• Date Added: 3/9/2006
• Views: 367

176. 

Individuals in debt who wish to make use of the services of a debt management firm should do research before committing themselves. An unscrupulous debt management firm can harm a debtor's interests in many ways, so make sure to keep the following 4 things in mind before hiring a debt management...

• Date Added: 3/8/2006
• Views: 438

177. 

It's everywhere you want to be. For everything else, there's Mastercard. Don't leave home without it. Credit cards are everywhere – and their slogans make it clear. In the past decade, more and more companies have jumped on the credit card bandwagon to provide 'affinity' credit cards, branded...

• Date Added: 3/8/2006
• Views: 429

178. 

Looking for a way to cut back on your gasoline expenses? You could learn to drive at 55 - the speed which most experts say is the most economical on gas. You could trade in your car for a model that guzzles less of the expensive elixir. You could leave your car at home 10% of the time.

Or...

• Date Added: 3/8/2006
• Views: 386

179. 

Saving cash on your credit card is not something that is usually at the top of your agenda, as most of us trudge from day to day with our credit cards and do not give it a second thought when we make a purchase.

This may be a good thing as you could be comfortable with your spending levels...

• Date Added: 3/8/2006
• Views: 372

180. 

Most credit card companies will offer a premium option for their credit card customers that will generally be a credit card that you will have the option of paying for. These credit cards will in most cases have a name such as a gold card or a platinum card and many customers will buy them simply...

• Date Added: 3/8/2006
• Views: 420