Royalty Free Articles by Category
Personal Finance Articles

21. 

Credit Cards are essential for any consumer today. However, when choosing a new credit card company, many people do not know what to look for. It is important to have a good company because bad credit card companies can lead users into quite a bit of trouble. Whether you are a college student...

• Date Added: 8/20/2005
• Views: 376

22. 

Low rate credit cards or as some know them as low APR credit cards can be very great for those individuals that carry a balance forward every month. The problem is that most people that really need or want low rate credit cards are unable to receive one because most credit card companies will only...

• Date Added: 4/28/2006
• Views: 275

23. 

In part one, we discussed how time is by far the dominating factor in investing, but we only have a limited amount of time and time is not easily doubled. We also learned that interest rates are somewhat of a moving target, unless they are fixed, but no high-return investment is ever fixed. This...

• Date Added: 7/14/2008
• Views: 174

24. 

Right, what does debt really mean?

Debt is money that someone else lends you, on the understanding that you'll pay it back. Let's face it, if you didn't have to pay it back, it wouldn't be a debt, would it? It would be a gift or a grant.

But it doesn't end there. If only it...

• Date Added: 3/26/2006
• Views: 294

25. 

Everyone has felt the crunch in their wallets as gas prices soar. The prices are so high that some are choosing to trade in their current vehicle for a smaller car or even a motorcycle, just to get better gas mileage. If you want to alleviate some of the pain that comes with paying such high...

• Date Added: 6/4/2008
• Views: 145

26. 

The number of people taking out personal loans has risen dramatically over the last ten or fifteen years, but what are the reasons for this? In this article we'll look at the main uses of the loans that we take out.

Debt Consolidation

This is possibly the biggest single reason people...

• Date Added: 3/12/2007
• Views: 309

27. 

The last decade or so has seen an unprecedented boom in consumer credit, with low interest rates and rising property prices fueling a constantly rising level of personal debt. Most forms of credit have experienced a bonanza, from credit cards to mortgages, with competition among lenders forcing...

• Date Added: 5/28/2008
• Views: 170

28. 

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: 338

29. 

Have you ever wondered why the agreement for getting instant pay day loans is lengthy? Would you rather get an instant cash advance from a company where the terms and conditions aren't that long drawn? For those who are not really aware of this, agreements for instant payday loan is usually...

• Date Added: 11/6/2006
• Views: 311

30. 

Cheap credit cards are considered to be equivalent to low interest credit cards. However, not all low interest rate credit cards are cheap. Either such cards can have a fixed rate of interest through out the tenure of your balance or they can have a fluctuating rate of interest. Which one is...

• Date Added: 4/6/2006
• Views: 272

31. 

Rounding up your debts is one of the biggest dangers to your financial position. It's also one of the easiest ways for your debts to get out of control.

This way of thinking is best summed up by the following comment; 'I already owe $27500 so what's another $500. It takes my debt to a...

• Date Added: 3/26/2006
• Views: 442

32. 

Wall Street Institutions pay billions of dollars annually to convince the investing public that their Economists, Investment Managers, and Analysts can predict future price movements in specific company shares and trends in the overall Stock Market. Such predictions (often presented as...

• Date Added: 1/28/2006
• Views: 341

33. 

When thinking about borrowing money, most people look at loans as the most sensible option. Although it is true that loans are often a good option for borrowing money, they are also inflexible, and if you are someone who wants to pay back your loan early then there can be heavy penalties. However,...

• Date Added: 6/7/2006
• Views: 374

34. 

What is the concept of a balance transfer credit card? To put it simply, making 0% interest balance transfers from one credit card to another is a great way of answering the age-old conundrum: how to have your cake and eat it too. You have nothing to lose -- but to gain you have a bundle of money...

• Date Added: 4/5/2006
• Views: 429

35. 

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: 298

36. 

The Beginning of the Payday Advance

We've been hearing about the advantages of payday advance loans repeatedly. The convenience that an emergency payday advance offers have also been widely recognized. The questions that...

• Date Added: 5/18/2006
• Views: 498

37. 

Accumulating debt is very easy nowadays, which makes debt consolidation that much more important to the everyday consumer. The basic idea behind debt consolidation is that a consumer takes out one loan in order to help them pay off a number of other loans. The advantages of consolidating debt...

• Date Added: 4/6/2006
• Views: 350

38. 

People take out personal loans for all sorts of reasons, from restructuring their finances through debt consolidation, investing in their properties via home improvements, or financing the purchase of a new vehicle. Whatever the reason for searching for a loan may be, it's important that you get...

• Date Added: 5/29/2008
• Views: 166

39. 

Recent reports estimate that as many as one in ten of the population have been a victim of indentity theft, one of the fastest growing crimes of the last few years. By using a variety of means to usurp your identity and pass themselves off as you, the criminals involved go on to commit fraud and...

• Date Added: 8/23/2006
• Views: 372

40. 

Investment mistakes happen for a multitude of reasons, including the fact that decisions are made under conditions of uncertainty that are irresponsibly downplayed by market gurus and institutional spokespersons. Losing money on an investment may not be the result of a mistake, and not all...

• Date Added: 4/20/2006
• Views: 269