Debt Consolidation and Refinancing

By Bob Jones

It is a fact that there are very few online debt consolidation lenders, who will assist debtors actually reduce their debts. However, homeowners who are deep in debt can use their homes as collateral to raise a consolidating loan to pay off their overdue debts. These loans are given to the debtor to pay off existing debts. Then the debtor must repay the consolidation loan in monthly payments.

In other words, all your bills are totted up and rolled into one debt consolidation package, which is repaid by a single monthly instalment. Furthermore, if you have credit card loans, then these loans and their interest will also go into that monthly instalment. Likewise if you have personal or home loans or any other types of loan, then these are also rolled in the one debt consolidation or refinancing repayment per month. This is known as debt consolidation refinancing.

Some debt consolidation refinancing packages make it really quite easy and offer short programs, which link you to an expert, who will search for a solution to reduce your debts by appraising the information you share with him to see whether there is a debt consolidation refinancing package which is right for you.

"Money Management International" (MMI) is an example of the many online "Consumer Credit Counseling Services" (CCCS). They are non-profit organizations that provide debt consolidation refinancing advice for those experiencing financial hardship.

Since it is often safer to use these non-profit organizations than the services of a bank or financial adviser and since MMI is a member of the "Better Business Bureau", we will refer to this debt consolidation and refinancing bureau to assist you to get a better idea of what debt consolidation refinancing is available for you.

Once you have joined up with an online debt consolidation refinancing organization and have been approved, then your professional financial advisers will collaborate with your creditors and request consideration. This only means that the advisers will work together to find a debt consolidation refinancing package that is suitable for both you and your creditors.

For instance, if you were paying $1,200 per month in debts, a debt consolidation refinancing counsellor might try to have your monthly repayment cut to, say, $600 give or take a couple of hundred dollars. This represents half the figure you were paying in the first place and so represents a good deal in debt consolidation refinancing, although, of course, you will have to continue the repayments for a much longer period of time! - 23159

About the Author:

If you have fallen on hard times and are thinking aboutdebt consolidation refinancing, please go along to our web site entitled http://debt-consolidation-and-reduction.com

Selling My Gold For Cash

By Hal Young

People are always looking for new ways to make money, especially in a bad economy like ours. If you've ever asked the question, "how can I sell my gold" selling gold for cash could be one of these ways for you if you have the patience to learn how. You can sell all different types of gold - whether it's scrap gold that you've gathered from around the house or some gold bullion that you've invested in. In the coming article I will tell you how you can sell all those different types of gold and who to sell to.

Before you do anything else you should probably figure out how much your gold is worth. You do this because there are many people looking to scam you have there in the gold selling field, so if you have a ballpark figure about much your gold is worth beforehand, you are much less likely to be taken advantage of. You can do this in one of two ways: by yourself following a guide or taking your gold straight to a jewelry store or pawnshop. Easiest of the two is definitely the latter.

Once you have an idea about what your gold is worth, you have to find a buyer. This sounds pretty easy but there are hundreds if not thousands of buyers out there so we have to be careful. Who you sell to also depends on what type of gold you are selling. You wouldn't sell gold bullion to the same place that you would sell broken gold jewelry for example.

If you have scrap gold to sell, your best bet would be selling to a gold refiner. Gold refiners buy your gold based on the spot price of gold and various other factors but you can usually get at least 90% of the spot price of gold if the refiner is legitimate. Also most gold refiners usually have a sliding pay scale so the more you have the better chance you have a getting a better price.

If you have any gold jewelry and you think it might be worth more than just the gold content in the piece, you should probably think about selling to a gold jeweler or pawnshop. At very least they will confirm if it is actually worth more than the gold content in the piece. If it is you will certainly get more than what you'd get from a gold refiner or dealer.

The last kind of gold we will cover today is gold coins. Most people buy gold coins as an investment like gold bullion but some may have older coins that have more value than just the gold content. So you are usually better going to a coin dealer before you make any decisions where you can get the coins appraised first.

And that is all there is to it folks. If you will just follow the tips outlined above you will have learned how to "sell my gold" both safely and easily. Just remember to check out the companies first before going through with anything. - 23159

About the Author:

Hal runs a site about all the different ways that you can get cash for gold. If you have ever asked the question how can I sell my gold jewelry then please visit his site where he will show you how.

Forex Investment

By Bart Icles

One popular investment market currently making headway is forex investment. It offers a quick return of investments at the shortest time possible, so presents a good opportunity for any profit-minded investor to investigate. It has the most promise when compared to other forms of investment markets such as stocks or futures investment. It also has some inherent pitfalls and risks but which can be avoided by getting the proper education, software programs, tips and techniques in forex trading.

Despite the dangers involved and its demanding and complicated nature, people still continue to invest in it, making the watching public ask why this is so. 1.) Forex investment offers players to earn huge profits quickly according to his choice of currency and time. 2.) The whole exercise of forex trading is very challenging to one's intelligence and savvy, and is very exciting. 3.) Getting into and exiting any forex trading transaction is fairly easy to accomplish. 4.) Forex investment promises investors easy and fast profits, with transactions that can be accessed from the homes, offices or any place with a computer and Internet link at any time of one's choosing.

Forex investment needs traders to have specific qualities and abilities, and to learn some basic information about forex trading and the forex market if they expect their investments to last and prosper. This is not just an investment where anyone can just dive in and just let things happen by themselves - even with the help of forex brokers or software programs. The individual trader is expected to make the needed adjustments himself and to take personal control and responsibility for his decisions and actions in order to become successful and profitable in forex trading. Being equipped with such factors will make trading easier and faster, and make the trader a little or much richer than before.

All the pertinent information and software programs that help traders in their trading can be found online and are usually provided either free or sold by online vendors, like forex brokers and veteran forex traders. Free forex materials at the most will only cover the most common and basic of forex subjects, while those that are being sold are more detailed and current. Both choices are great tools that can help a new trader in his trading, and have its pros and cons. The problem lies in pinning down the suitable ones from a host of myriad products, so one has to choose carefully and wisely in this matter.

Nevertheless, forex investment presents far better rewards despite its demands and rigors. Any interested and eager investor who knows and acknowledges such factors will be greatly rewarded - personally and financially. - 23159

About the Author:

Investing in forex starts with a desire to learn and a drive to become a great trader. Learning automated forex software takes dedication and a good teacher. But once you learn how to trade and do so successfully your life will change and you have options and financial resources you never had before.

Annuity Selling Systems

By Bruce Darby

Are you an agent that is having a difficult time coming up with solid annuity prospects? Did you fall victim to some erroneous claims made by annuity selling systems that were entirely untrue? You need to use the right selling system if you want to be successful in selling annuities.

Prospecting for leads can be a challenge. There are a number of methods that you can use to find annuity prospects, but some require more time and resources than others. There are annuity selling systems out there that have perfected the lead prospecting part of the job and they are more than happy to share these methods with you once you subscribe to their annuity selling systems.

If you are unhappy with your current annuity program or if you are looking to bump up your annuity sales and earn more commissions, it is time that you take a look at some of the premier annuity selling systems that are out there.

You can easily compare one annuity program to another by taking advantage of the internet. Within minutes you can compare several different annuity programs to each other and make up a list of the ones that impress you.

You can make a list of all of the annuity programs that you are interested in and thoroughly compare their websites. You can also do searches on their companies to make sure that they are legitimate businesses.

After you compare and contrast the details you can contact these annuity providers and ask them any questions that you may have. It is a good idea to contact the company and find out what kind of assistance they can provide you with when it comes to finding annuity prospects and for how long they are willing to give you this assistance.

When you make your final decision and subscribe to a selling system, make sure that you take advantage of all of the resources that are offered to you.

If you want to be successful in selling annuities, you must select a strong selling system to promote. It will make the job of selling them easier and you will have the level of support that you need to earn top commissions. - 23159

About the Author:

Learn a lot plenty more about annuity selling systems and annuity prospects by reading more infomrative content that this author has written.

A Helping Hand In Real Estate

By Paolo Koster

Sometimes it is not enough to shop around for credit cards based of what they offer. More often than not, it pays to understand the terms of what the credit card offers before you getting the card. You must also take time to review the disclosures of terms and fees might appear on credit card offers you receive.

Although a business credit card has more requirements and has higher interests compared to other types of credit cards there is, contrary to the common conception, t can be very helpful if used properly.

Since it is targeted towards businessmen or those people who are heading towards building a business, a business credit card can definitely benefit these small businesses. A business credit card helps the budding business by extending payments while improving the cash flow.

Aside from having limits and low interest rates, a business credit card provides many alternatives and numerous credit options for small businesses. A business credit card also caters to large corporations that are crafted to aid those people who are starting with their own business to grow while closely monitoring the baseline of credit.

The real estate agents act as information hub for people looking to buy property. In fact, a lot of sellers find it much more convenient to sell their properties by listing it with real estate agents.

Most business credit card applications offer free fee for the first year and no pre-set spending limit or finance charges. Other business credit card offers viable membership rewards program that enables the member to earn points towards travel, merchandise and other rewards for his or her business.

The business credit card holder or customer might receive fee-free checks as well as a card to access the account. Everyday savings or exclusive savings, express approvals, no annual fee, up to 5 percent rebates on all qualified purchases, and 0% introductory annual percentage rate (APR) on purchases during first half of the year of card membership are some of the great offers of most business credit cards.

So, real estate investment is really about finding good deals. And finding good deals does take some effort - 23159

About the Author:

Next toarticles I write regardingreal estate and mortgages, I also owna fewwebsite regardingfinancial topics. These you can find here: same day loans and lenen