Royalty Free Articles by Category
Personal Finance Articles

131. 

If you are looking for cheap credit cards, you need to have a clear idea of what to look for.  In addition, you need to decide if what the card has to offer is really best for you.  Simply offering a low interest rate does not necessarily make certain credit cards better than others.  In fact,...

• Date Added: 4/6/2006
• Views: 221

132. 

Finding solutions to reducing your debt takes some thinking and research on your part. You have some good choices available to you and we shall list these key debt reduction solutions for you right here:

1. Home Equity Loan or Home Equity Line of Credit. Your 21% charge card can be reduced...

• Date Added: 7/18/2005
• Views: 368

133. 

When you reach the position where you can't afford your debt repayments, it's time to take action.

Instead of running from your situation you need to take positive steps to fix it. If you reach the stage where you can't keep up with the repayments, it's VITAL that you contact your...

• Date Added: 3/26/2006
• Views: 258

134. 

Bankruptcy versus IVA :
FREQUENTLY ASKED QUESTIONS

Q: What is an Individual Voluntary Arrangement 'IVA'?

A: An IVA is a legally binding contract between yourself and your creditors, which will generally last for 5 years. You will put forward an offer as settlement of your...

• Date Added: 3/1/2006
• Views: 325

135. 

The number of people facing serious debt problems continues to rise inexorably, with recent research suggesting up to a million Britons could potentially be in genuine danger of bankruptcy. The situation will only get worse if, as predicted, the Bank of England starts to increase interest rates...

• Date Added: 7/21/2006
• Views: 218

136. 

It's a question that has stumped wise men (with overdrawn credit limits) for generations. Do I file for bankruptcy, or do I get debt consolidation loan and spend ten years paying off my debt?

The simple answer is, if you can do the latter, do it.

Sure, bankruptcy means you...

• Date Added: 5/26/2006
• Views: 356

137. 

When you decide to consolidate your debt, the obvious first question is "how?" – and that's a question that isn't easy to answer right off the bat.

Sure, you can go to your bank and ask them to consolidate all of your debts. You could get a new credit card with a 0% interest rate on debt...

• Date Added: 5/26/2006
• Views: 268

138. 

Most people have taken out plenty of loans and other forms of credit, from various sources over the years. These could include student loans, credit cards, store cards, a bank overdraft, car loan, goods bought on a buy now pay later basis. All of these sources of credit will have different terms...

• Date Added: 11/23/2005
• Views: 305

139. 

While bankruptcy is something that should be avoided at all costs, sometimes people get themselves in situations which are next to impossible to get out of. Filing for bankruptcy can make it hard to get a good job, car, or even a house. Despite this, most people don't know where to turn when...

• Date Added: 4/8/2006
• Views: 268

140. 

Having a bad credit rating can be a serious problem affecting people's lives in all kinds of ways. Quite apart from making it more difficult to obtain credit, a poor credit rating will mean that the costs of the credit you manage to be approved for will be much higher, meaning you'll have less...

• Date Added: 1/29/2007
• Views: 194

141. 

The magician waves his wand and an astonished crowd sees a rabbit come out of a hat. A woman is sawed in half on stage and then magically reappears unscathed. Whether it is deception or entertainment is beyond the scope of this article, but either way I'm sure you'll agree, that the magicians of...

• Date Added: 7/20/2006
• Views: 259

142. 

What is the first thing you look at when you receive a new offer for credit? For most people, the answer to this question is that they look at the maximum limit they can spend. In fact, what is more important, and should be the first thing you look at with any new offer of credit, is the interest...

• Date Added: 2/7/2006
• Views: 310

143. 

In today's world of online shopping and bill servicing, credit cards have become almost an essential part of our everyday lives. No one would argue that they don't make life easier, but it's also true that they have a dark side in that it's all to easy to build up debt.

Of course, it's...

• Date Added: 12/14/2006
• Views: 286

144. 

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: 249

145. 

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: 269

146. 

Credit Cards or Payday Loans, Which is Better?

Out of cash? And your next payday is still a little far off? So what do you do? You might want to consider payday loans as an option. Well, the first thought that would cross your mind is to...

• Date Added: 5/18/2006
• Views: 313

147. 

Credit cards for college students can prove vital, especially when it comes to financial emergencies. Parents aren't always around to bail out their children and by offering students a credit card it is possible to not only provide them with security for these emergencies but also teach them about...

• Date Added: 4/15/2006
• Views: 226

148. 

Student credit cards are geared primarily toward college students. But there are many factors that can make credit cards for college students the right choice for young people. So, it is important for all...

• Date Added: 3/7/2006
• Views: 260

149. 

For many young adults, the thought of building a credit history and worrying about a credit score seems unusual.  To them the only real draw to a student credit card is the idea of getting the things they want or need with just the swipe of a card.  It is also a method for getting the things they...

• Date Added: 5/1/2006
• Views: 287

150. 

The simple fact of life today is that in many situations credit cards are vital. It is extremely difficult to rent a car for instance if you do not have access to a credit card in your own name. Also, shopping on line is not very easy at all if you do not have a credit card. While many websites...

• Date Added: 3/6/2006
• Views: 211