Posts Tagged ‘credit card’


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Unethical ads for ‘Debt Settlement‘ on TV don’t mention an IRS Form 1099 is the result of debt forgiveness. This video explores a tax-advantaged alternative that turns upside the same calculations used by lenders and banks.

Duration : 0:3:39

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Ways to live within your means and get out debt include creating a budget and eliminating frivolous spending habits. Eliminate debt by contacting a consumer credit agency when living beyond means with tips from a certified public accountant and credit counselor in this free video on debt management.

Expert: Jerrie Guthrey
Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992.
Filmmaker: Jack Guthrey

Duration : 0:4:31

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Drowning in debt? American Legal Services PC is a debt relief agency located in Harrison Township, Michigan. If you’re thinking about bankruptcy, this is where you can get expert advice regarding your options. The experienced staff can help with foreclosures, short sales, loan modification, debt consolidation, credit card modification and many other ways to help you start fresh. Schedule a consultation to learn more!
Visit us http://www.yellowpages.com/info-10015665/American-Legal-Services-PC?from=youtb

Duration : 0:1:16

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This “how-to” video tutorial walks you through “Freedom Plus,” the amazing, free online calculator from Freedom Debt Relief.

Duration : 0:3:7

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I have car loan with high interest rate and would like to pay off some of the principal, but with bad economy I also want to reserve some cash for emergency. How should I pay this loan off? This loan has about three years left.

Most car loans are written under something called the rule of 78. It is a different method of calculating interest and means you pay almost all of the interest upfront. If you pay early, there is a prepayment penalty built into the calculation. It’s not a fair formula for those of us who want to pay sooner. Call your lender and find out how much interest you might save if you pay it off sooner. My guess is that it is a small number, and you would be better off putting the money toward a credit card or other debt, or saving for retirement.
If you borrowed from a credit union, it might be a little better for you – they tend to charge interest on the declining balance.


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