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Debt Consolidation Pros & Cons

Late-night radio and TV commercials are constantly singing the praises of debt consolidation. At first glance, it’s a debtor’s dream come true: instead of making half a dozen payments to half a dozen creditors, you just roll them all up into one new payment. Best of all is the debt consolidators promise: that new monthly

What You Need To Know Before Refinancing Your Mortgage

If you are struggling to repay debt (or need cash) refinancing has been promoted to you as a sort of miracle financial cure. Refinance your mortgage, lenders claim, and your current monetary worries will disappear. In some cases, they’re right. But refinancing is not a one-size-fits-all solution. Everyone’s financial situation is different. Depending on the

How To Save More Every Month

To many people, saving more money each month is a nagging goal that they dearly wish to accomplish. A big mistake some make is the idea that if only they made more money, they would be able to save. This is actually a logical fallacy, as spending tends to increase along with income. The truth

When Should You Really Buy a House?

It is frequently said that a mortgage is the single biggest financial responsibility that most people will ever take on. Knowing this, it pays to carefully consider the appropriate times in life to make such a weighty investment. While no one can say for sure when the best time for every individual person is, there

How does the Obama Banking Bill Affect Consumers?

In what has been called “the most sweeping changes to the credit card industry in 40 years” by USA Today, President Obama has passed a new banking bill that curtails what banks can charge consumers. Obama hopes that this bill will help to level the playing field in debt by forcing banks to give up