Term Life Insurance Quotes
By: Peter Emerson
Term life insurance has allowed millions of Americans to secure the financial future for their dependents at affordable prices. As healthcare costs increase, getting an affordable term life insurance quote is now an absolute necessity. With thousands of products to choose from, it is often a daunting task to research for the one which will give you the best value for your money.
Internet based research seems to be the best solution before you decide to meet an insurance agent at an office. There are various online quote processing companies nowadays, who can give you a premium rate quote absolutely free of charge and with no obligations based on your personal requirements. These online intermediaries help do an extensive comparison shopping utilizing the latest technologies. This will facilitate the bench-marking process before you can make a conscientious decision for the term life insurance. Based on this information, you can have a knowledgeable discussion with your insurance agent to make your final choice. Companies offer one-year, five-year, 10 / 20 year polices along with adjustable policies to suit the customer’s priorities. This helps in getting insurance coverage within affordable expenditure levels.
Over the last couple of years, term life insurance has become a commodity due to tough competition among the companies. Moreover, online instantaneous comparison shopping has also transferred the market control to the buyer resulting in lower premiums and better services. If you are not interested in building cash value from your life insurance through investments, term life insurance seems to be the cheapest and the most intelligent decision for just pure life insurance.
Tuesday, August 5, 2008
Plan great future for your loved ones with life insurance
Plan great future for your loved ones with life insurance.
By: Todd Martin
Every human wants a secure future for himself and his entire family, this is possible by having any term life insurance, and according to the needs of the purchaser one can be selected. This kind of policy helps to protect your family by providing them with financial support when the person dies. If a person plans properly before purchasing a policy that is if he gathers all the information about it, then he will be able to benefit lots more than expected. It's always better that not only you but also the whole family has the knowledge about the policy you decided for your loved ones. They also have the right to know whom you have selected as the beneficiary and the intentions why you are purchasing a life insurance policy. In this way everything will be clear and help you to take decisions on any issue.
It is very essential to keep everything planned and organized in one place about the policy, as this will help you to get the entire information whenever you need it. This should include all the information about the finances and estates which will help your loved ones later on. In every discussion and decision you take about any policy, remember to include your family members also. Explain the whole thing about the policy to your loved ones or a trusted friend, so that he will be able to find the documents whenever it is needed. Always remember to make a short list about the documents you prepared and keep it in such a place which can be easily got. This will help your loved ones when there is a difficulty to find them, this can happen when some uncertain situation takes place.
If a person has any difficulty in finding and comparing the different life insurance policies available in the market, then one place which will make your work easy and quick is kanetix. A place which provides its purchaser with the entire information of what is available and at what cost it can be got. There are many policies available in the market, depending on the family needs one can select them. We can also find policies which are useful for people above 50; a person can get them from choicesinc.ca. To change a policy minimum of 5 years are required, this is really a good choice as it allows the policy holder to think what he wants exactly from his life insurance policy. Few policy do not provide this clause, a good clause helps you to change until you are seventy-five.
A person can have many benefits of term life insurance which are very exclusive and make purchasing the policy worthwhile. You can find many experts which will help you in advising on how best to go about getting any policy like whole life insurance. Always go for buying that policy which protects for family's future for the entire life.
By: Todd Martin
Every human wants a secure future for himself and his entire family, this is possible by having any term life insurance, and according to the needs of the purchaser one can be selected. This kind of policy helps to protect your family by providing them with financial support when the person dies. If a person plans properly before purchasing a policy that is if he gathers all the information about it, then he will be able to benefit lots more than expected. It's always better that not only you but also the whole family has the knowledge about the policy you decided for your loved ones. They also have the right to know whom you have selected as the beneficiary and the intentions why you are purchasing a life insurance policy. In this way everything will be clear and help you to take decisions on any issue.
It is very essential to keep everything planned and organized in one place about the policy, as this will help you to get the entire information whenever you need it. This should include all the information about the finances and estates which will help your loved ones later on. In every discussion and decision you take about any policy, remember to include your family members also. Explain the whole thing about the policy to your loved ones or a trusted friend, so that he will be able to find the documents whenever it is needed. Always remember to make a short list about the documents you prepared and keep it in such a place which can be easily got. This will help your loved ones when there is a difficulty to find them, this can happen when some uncertain situation takes place.
If a person has any difficulty in finding and comparing the different life insurance policies available in the market, then one place which will make your work easy and quick is kanetix. A place which provides its purchaser with the entire information of what is available and at what cost it can be got. There are many policies available in the market, depending on the family needs one can select them. We can also find policies which are useful for people above 50; a person can get them from choicesinc.ca. To change a policy minimum of 5 years are required, this is really a good choice as it allows the policy holder to think what he wants exactly from his life insurance policy. Few policy do not provide this clause, a good clause helps you to change until you are seventy-five.
A person can have many benefits of term life insurance which are very exclusive and make purchasing the policy worthwhile. You can find many experts which will help you in advising on how best to go about getting any policy like whole life insurance. Always go for buying that policy which protects for family's future for the entire life.
Benefits of Term Life Insurance policy
Benefits of Term Life Insurance policy.
By: Todd Martin
We can find end number of people who just have no idea about life insurance policies. Why a person purchases a life insurance policy? What is a life insurance policy? What are its benefits? These are a few questions which are there in a person's mind. With the information given below you will be able to understand the importance of a life insurance policy. Many people have no knowledge about these policies; the foremost thing to know is what exactly these policies are called. They are term life insurance, whole life insurance, variable life insurance, universal life insurance, variable universal life insurance policies, etc.
Term insurance reduces the stress for the loved ones that are left behind as if they already did not have enough to deal with. It will help in paying the funeral costs and provide a lot of help for both you and your dear ones. The cost of living is high that it takes two to earn and pay off the bills to have a comfortable living once the bread owner of the home is gone. Term insurance is one sure and safe policy that will take care of all the finances in case of accidental deaths. Term insurance can ensure you have a safe and secure family life in case of unexpected turn of events.
Term life insurance has certain benefits which you won't get with other life insurance policies. First of all this policy is the cheapest among all the insurance policies available. Unlike other policies, this policy also gives you the benefits of being economical incase you have a new member added in your family. This policy is flexible and you can decide the policy the way you want. When ever you make up your mind of buying a term life insurance policy, one thing that you must look into is the conversion clause and get all the possible information about it.
If you have not got a life insurance policies done yet, this is the right time just go and get one to secure your future. This insurance gives your family an assurance of financial support even after your death takes place; it has many benefits to provide which will help your loved ones even when you are gone. To take care of your loved ones and to enjoy all the benefits which it provides its policy holder, it is a must for every human to have an insurance policy.
If you don't have any information about the life insurance policies, then it is always better for you to gather as much information as possible prior to buying one. This can be done by many ways. One good way of gathering the information is by searching it on the internet. The world of internet has many search engines and all you have to do is to type a keyword and you can get good amount of information that can help you. Then you can always talk with your friends and colleagues in your office who can guide you with the best of their knowledge. You can also take the advice of an expert, some one who has complete knowledge about life insurance and their products. These financial advisors or brokers can help you clinch a better deal from the insurance company and also they can help you in making a good policy for you by eliminating certain clauses which are of not any use for you and adding some clause which can help you in future. This way you can save money and get an assurance for your peaceful future.
By: Todd Martin
We can find end number of people who just have no idea about life insurance policies. Why a person purchases a life insurance policy? What is a life insurance policy? What are its benefits? These are a few questions which are there in a person's mind. With the information given below you will be able to understand the importance of a life insurance policy. Many people have no knowledge about these policies; the foremost thing to know is what exactly these policies are called. They are term life insurance, whole life insurance, variable life insurance, universal life insurance, variable universal life insurance policies, etc.
Term insurance reduces the stress for the loved ones that are left behind as if they already did not have enough to deal with. It will help in paying the funeral costs and provide a lot of help for both you and your dear ones. The cost of living is high that it takes two to earn and pay off the bills to have a comfortable living once the bread owner of the home is gone. Term insurance is one sure and safe policy that will take care of all the finances in case of accidental deaths. Term insurance can ensure you have a safe and secure family life in case of unexpected turn of events.
Term life insurance has certain benefits which you won't get with other life insurance policies. First of all this policy is the cheapest among all the insurance policies available. Unlike other policies, this policy also gives you the benefits of being economical incase you have a new member added in your family. This policy is flexible and you can decide the policy the way you want. When ever you make up your mind of buying a term life insurance policy, one thing that you must look into is the conversion clause and get all the possible information about it.
If you have not got a life insurance policies done yet, this is the right time just go and get one to secure your future. This insurance gives your family an assurance of financial support even after your death takes place; it has many benefits to provide which will help your loved ones even when you are gone. To take care of your loved ones and to enjoy all the benefits which it provides its policy holder, it is a must for every human to have an insurance policy.
If you don't have any information about the life insurance policies, then it is always better for you to gather as much information as possible prior to buying one. This can be done by many ways. One good way of gathering the information is by searching it on the internet. The world of internet has many search engines and all you have to do is to type a keyword and you can get good amount of information that can help you. Then you can always talk with your friends and colleagues in your office who can guide you with the best of their knowledge. You can also take the advice of an expert, some one who has complete knowledge about life insurance and their products. These financial advisors or brokers can help you clinch a better deal from the insurance company and also they can help you in making a good policy for you by eliminating certain clauses which are of not any use for you and adding some clause which can help you in future. This way you can save money and get an assurance for your peaceful future.
Now Is the Right Time to Consolidate Student Loans
Now Is the Right Time to Consolidate Student Loans
By: Nessa McHooley
Now Is the Right Time to Consolidate Student Loans
Students graduate from college with that prize possession: the much-anticipated college degree. Then there are those students who graduate college with that added bonus: a stack of student loans. While searching for the ultimate job, the last thing a student needs is worrying about how to pay off a ton of student loans.
Student Loan Consolidation in One Simple Payment
It would make life so much easier to pay one student loan bill instead of five, six, seven or even eight – sometimes more! After graduation there’s so much to think about: finding the ultimate job, finding a place to live, and figuring out how to pay for everything.
Thinking about paying monthly student loan bills certainly will not make life easy or happy. No one enjoys paying bills. The task becomes even worse and more stressful when there are piles of bills to pay. By consolidating student loans life will get easier and payments might be lower.
Fast Track to Student Loan Consolidation
Consolidation isn’t a foreign word and it’s not too big of a word to understand. Consolidation is easy. It combines all of a student’s loans into one payment. It’s that simple. It’s easy as pie and will let you breathe easier too. Student loan consolidation is convenient and allows you to combine all your loans. In addition, consolidation is no longer only geared toward federal loans. Now students also can consolidate their private loans.
The Time is Now for Student Loan Consolidation
There’s no time like the present to consolidate outstanding student loans. Even though interest rates on federal student loans were at their lowest from July 1, 2004 to July 1, 2005, it’s still a great time to combine student loans. The rates most likely will increase in July 2006, so consolidating now is a bright idea. Federal student loan consolidation can be as low as 4.75 percent. Private student loan consolidation depends on the lender, and the borrower’s credit.
Students who have multiple student loans oftentimes are inundated with varying interest rates and repayment terms. Getting it all in order every month can prove to be a literal nightmare.
Student Loan Consolidation Incentives
With federal student loan consolidation, rates are fixed. Students also can take advantage of deferment, forbearance and cancellation options.
Another highlight of student loan consolidation is the extension of payments. Many students find they can extend a 10-year repayment plan to as long as 30 years. This depends on a borrower’s balance, so it’s important to check out the options. Student loan consolidation offers students the same interest rate on the same amount, but for a longer term, hence better affordability.
There are so many good reasons to get on the road to student loan consolidation. By taking a stack of student loan bills and combining them into one, it’s like a magic trick. However, it’s a trick that will help ease life for many students who are inundated with multiple loan bills, not to mention all of the other daily stresses of life for graduating students.
By: Nessa McHooley
Now Is the Right Time to Consolidate Student Loans
Students graduate from college with that prize possession: the much-anticipated college degree. Then there are those students who graduate college with that added bonus: a stack of student loans. While searching for the ultimate job, the last thing a student needs is worrying about how to pay off a ton of student loans.
Student Loan Consolidation in One Simple Payment
It would make life so much easier to pay one student loan bill instead of five, six, seven or even eight – sometimes more! After graduation there’s so much to think about: finding the ultimate job, finding a place to live, and figuring out how to pay for everything.
Thinking about paying monthly student loan bills certainly will not make life easy or happy. No one enjoys paying bills. The task becomes even worse and more stressful when there are piles of bills to pay. By consolidating student loans life will get easier and payments might be lower.
Fast Track to Student Loan Consolidation
Consolidation isn’t a foreign word and it’s not too big of a word to understand. Consolidation is easy. It combines all of a student’s loans into one payment. It’s that simple. It’s easy as pie and will let you breathe easier too. Student loan consolidation is convenient and allows you to combine all your loans. In addition, consolidation is no longer only geared toward federal loans. Now students also can consolidate their private loans.
The Time is Now for Student Loan Consolidation
There’s no time like the present to consolidate outstanding student loans. Even though interest rates on federal student loans were at their lowest from July 1, 2004 to July 1, 2005, it’s still a great time to combine student loans. The rates most likely will increase in July 2006, so consolidating now is a bright idea. Federal student loan consolidation can be as low as 4.75 percent. Private student loan consolidation depends on the lender, and the borrower’s credit.
Students who have multiple student loans oftentimes are inundated with varying interest rates and repayment terms. Getting it all in order every month can prove to be a literal nightmare.
Student Loan Consolidation Incentives
With federal student loan consolidation, rates are fixed. Students also can take advantage of deferment, forbearance and cancellation options.
Another highlight of student loan consolidation is the extension of payments. Many students find they can extend a 10-year repayment plan to as long as 30 years. This depends on a borrower’s balance, so it’s important to check out the options. Student loan consolidation offers students the same interest rate on the same amount, but for a longer term, hence better affordability.
There are so many good reasons to get on the road to student loan consolidation. By taking a stack of student loan bills and combining them into one, it’s like a magic trick. However, it’s a trick that will help ease life for many students who are inundated with multiple loan bills, not to mention all of the other daily stresses of life for graduating students.
How to Use a Web Conference Call as a Selling Too
How to Use a Web Conference Call as a Selling Tool
By: Christopher J Enders
Holding a web conference call has long been recognized as a
valuable technique for online collaborations; however, the
potential for using a web conference call as a sales tool is
often overlooked. A web conference call, also known as
teleconferencing, has many uses and benefits. In order to
understand how to effectively use a web conference call as a
sales tool, it is beneficial to gain an understanding of the
traditional uses of teleconferencing and how a web conference
call works.
Common uses for a web conference call include conducting training
seminars and continuing education sessions, conducting market
research, holding press conferences, and coordinating meetings
including operational meetings, board meetings, and investor
relation meetings. From a sales perspective, a web conference
call can be used to hold sales meetings, to make sales
presentations, to provide potential retailers or affiliates with
information on new products or services, to provide press
releases, or even to conduct a live, online auction.
There are many advantages to using a web conference call for such
activities. A web conference call enables the sharing of real
time data and web conference call tools make it possible to
provide access to information used in the web conference call
before, during and after the call. Web conference calls are easy
to use and generally interface with other applications without
the need for any special hardware. A web conference call can be
held by either using a web conferencing service, or using web
conferencing software that can be installed on your server.
When using web conferencing services or web conferencing software
to conduct a web conference call, you generally schedule the web
conference call setting the time, date and duration of the web
conference call. Sometimes there is an option to reserve audio
telephone conferencing so that the web conference call can also
be accessed via telephone although with telephone access the
sharing of files is not possible. Once the web conference call is
scheduled and set up, you can choose which guests you want to
invite to the web conference call and send invitations via email.
Most web conference call solutions automate these steps.
When it is time for the web conference call, you present,
collaborate and share information via the internet using tools
provided through your web conference call solution. Most web
conference call solutions use a voice-over-IP technology that
enables conference attendees to talk back and forth if they have
microphones and speakers. Some even have web cam features so the
web conference call is "face-to-face" so to speak. During a web
conference call, attendees can see what you are doing on your
computer. They can view slides used in your presentation and so
forth as well opening files or documents that you share
throughout the web conference call.
Holding a web conference call for the purpose of conducting sales
meetings, sales presentations and press conferences saves time
and money because the attendees can attend the meeting from
remote locations. The web conference call eliminates travel time
and the expenses of travel. Furthermore, through a web conference
call, hand-outs can be provided electronically rather than being
printed resulting in even more cost savings. A web conference
call enables real-time communications between attendees.
One of the greatest benefits of using a web conference call as a
sales tool is that a web conference call makes it possible to
make sales presentations to multiple decision makers in an
organization first hand, rather than them relying upon the
translation of the information from the presentation that may be
necessary if they are physically unable to attend a sales
presentation due to geographic barriers.
By: Christopher J Enders
Holding a web conference call has long been recognized as a
valuable technique for online collaborations; however, the
potential for using a web conference call as a sales tool is
often overlooked. A web conference call, also known as
teleconferencing, has many uses and benefits. In order to
understand how to effectively use a web conference call as a
sales tool, it is beneficial to gain an understanding of the
traditional uses of teleconferencing and how a web conference
call works.
Common uses for a web conference call include conducting training
seminars and continuing education sessions, conducting market
research, holding press conferences, and coordinating meetings
including operational meetings, board meetings, and investor
relation meetings. From a sales perspective, a web conference
call can be used to hold sales meetings, to make sales
presentations, to provide potential retailers or affiliates with
information on new products or services, to provide press
releases, or even to conduct a live, online auction.
There are many advantages to using a web conference call for such
activities. A web conference call enables the sharing of real
time data and web conference call tools make it possible to
provide access to information used in the web conference call
before, during and after the call. Web conference calls are easy
to use and generally interface with other applications without
the need for any special hardware. A web conference call can be
held by either using a web conferencing service, or using web
conferencing software that can be installed on your server.
When using web conferencing services or web conferencing software
to conduct a web conference call, you generally schedule the web
conference call setting the time, date and duration of the web
conference call. Sometimes there is an option to reserve audio
telephone conferencing so that the web conference call can also
be accessed via telephone although with telephone access the
sharing of files is not possible. Once the web conference call is
scheduled and set up, you can choose which guests you want to
invite to the web conference call and send invitations via email.
Most web conference call solutions automate these steps.
When it is time for the web conference call, you present,
collaborate and share information via the internet using tools
provided through your web conference call solution. Most web
conference call solutions use a voice-over-IP technology that
enables conference attendees to talk back and forth if they have
microphones and speakers. Some even have web cam features so the
web conference call is "face-to-face" so to speak. During a web
conference call, attendees can see what you are doing on your
computer. They can view slides used in your presentation and so
forth as well opening files or documents that you share
throughout the web conference call.
Holding a web conference call for the purpose of conducting sales
meetings, sales presentations and press conferences saves time
and money because the attendees can attend the meeting from
remote locations. The web conference call eliminates travel time
and the expenses of travel. Furthermore, through a web conference
call, hand-outs can be provided electronically rather than being
printed resulting in even more cost savings. A web conference
call enables real-time communications between attendees.
One of the greatest benefits of using a web conference call as a
sales tool is that a web conference call makes it possible to
make sales presentations to multiple decision makers in an
organization first hand, rather than them relying upon the
translation of the information from the presentation that may be
necessary if they are physically unable to attend a sales
presentation due to geographic barriers.
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
By: Carrie Reeder
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
By: Carrie Reeder
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
Monday, August 4, 2008
Debt & Bill Consolidation Help & Relief
Debt & Bill Consolidation Help & Relief
* Reduce debt by up to 40%
* Be debt free in as little as 12-30 months
* Lower your monthly payment
* Make one simple monthly payment
* Don’t risk your home or other personal property if you miss a payment
* Don’t pay service fees unless our program saves you money
* Reduce your stress and get a “New Deal”
Credit Consolidation FAQs
Does Franklin Debt Relief offer debt consolidation services?
Yes, we offer a debt consolidation program for consumers with credit card debt, medical bills, repossessions, and accounts in collections.
Are credit card debt consolidation programs the same as debt consolidation loans?
No, debt consolidation programs for credit cards, notably debt settlement and credit counseling, do not involve lending at all. Rather, it involves negotiating with credit card companies to reduce interest, overall payments, and/or the balance owed.
What are some common ways for consumers to consolidate their unsecured debt?
Debt settlement / debt negotiation – This debt reduction option involves negotiating the principal balance owed by the consumer down by 40 to 60 percent. It is the fastest and most cost effective debt consolidation option. This is the alternative offered by Franklin Debt Relief.
Credit counseling / debt management – This option involves negotiating the interest rates charged on the credit cards. Credit counseling plans typically last between 4 and 5 years.
Debt consolidation loans – This option involves taking out a loan to pay off any outstanding credit card balances. Normally it is secured by collateral like your home or vehicle. Unsecured debt consolidation loans are offered by companies like Citifinancial, Beneficial, and American General Finance.
Credit card balance transfers – This option involves taking the balances of all your credit cards and putting them on another credit card with a lower interest rate or minimum payment.
Chapter 13 bankruptcy – This option involves paying back your creditors over 5 years through a court-approved payment plan, which is based on your income.
Is a debt consolidation loan a good option for consumers seeking debt relief?
In many cases, yes. In other cases, however, a consumer may be better off using debt settlement, credit counseling, or bankruptcy for debt relief. In a lot of other cases, consumers who need debt relief are not even eligible for a debt consolidation loan because of bad credit, high debt balances, or any other factor which may raise a red flag to a lender.
What determines whether a debt consolidation loan is a good debt relief option?
Obviously the term, rate, and conditions of the loan are critical. In order for a debt consolidation loan to make sense, clearly the monthly payment, interest, and/or payback term must be less than staying the current course. Assuming these factors are all favorable to the consumer, the most important determinants of the suitability of a debt consolidation loan for your situation is a) the nature of the loan, b) the nature of your debt problem, c) your income stability and the amount of “breathing room” you’ll have if an unexpected expense arises, and d) how these all play into each other.
Why is the nature of the loan important?
The nature of the loan is important for a few reasons. For one, a secured debt consolidation loan raises much different issues for a debtor than an unsecured one. For example, if a consumer takes out a second mortgage to consolidate their credit card debt, they better have sufficient income and “breathing room” because as little as one missed payment can result in the foreclosure of their home. Secondly, the nature of a debt consolidation is important because a high interest, low payment unsecured loan may provide short-term relief, but in the long run, it may cause the consumer to lose thousands of dollars in interest charges and fees.
Why is the nature of the debt problem important?
Some studies show that over 70% of consumers who refinance their property or take out a second mortgage to pay off credit card debt end up in the same financial position in as little as 2 years. Given this fact, a debt consolidation loan rarely makes sense if the borrower’s circumstances are the result of overspending or poor budgeting. After all, a debt consolidation loan will only delay the inevitable---coming to grips with a spending problem---while removing equity from your largest investment---your home.
Why is my income stability or the amount of “breathing room” important?
This is particularly important for consumers choosing the secured debt consolidation route because as we mentioned previously, their home can be foreclosed in the event that as little as one payment is missed. Obviously consumers whose income fluctuates dramatically each month or who are in an industry / company that is losing jobs have more to consider before they ever take out a debt consolidation loan. This issue is important for unsecured debt consolidation loans as well because if the likelihood for successfully satisfying the loan is low, the consumer would most likely be better off tackling the debt through settlement or credit counseling. After all, why waste time and money paying back interest charges that you cannot afford? “Breathing room” is often a forgotten variable when a consumer is considering his or her debt relief options. The main reason for this being so important is that unexpected expenses are almost inevitable to arise throughout the pay off term of the loan. Without sufficient savings or surplus income to compensate in the event this does occur a consumer will be forced to miss payments.
Are bill consolidation loans tax-deductible?
The interest from debt consolidation loans that are secured by a home is in fact tax deductible. This is one of the main advantages.
What are some other advantages of using a home-equity debt consolidation loan?
The other advantages are the interest and monthly payment are typically much lower than what you are paying on a credit card. This has to do with the fact that the debt is secured (so the lender is taking on less risk) and the payment term is somewhat long. Another advantage is that consolidating your debt into one payment not only gives you more peace of mind, but it also means you are far less likely to be late on a payment, which improves your credit.
What options do I have for consolidating medical debt?
Consolidating hospital bills is best achieved through settlement or negotiation, credit counseling, or by using a home equity debt consolidation loan. The problem with medical bill consolidation, however, is that sometimes the monthly payment is higher than what you are currently paying. Unfortunately, all too often consumers with medical debt are left with no other choice but to file bankruptcy. Read this article for more information about help for hospital bills.
* Reduce debt by up to 40%
* Be debt free in as little as 12-30 months
* Lower your monthly payment
* Make one simple monthly payment
* Don’t risk your home or other personal property if you miss a payment
* Don’t pay service fees unless our program saves you money
* Reduce your stress and get a “New Deal”
Credit Consolidation FAQs
Does Franklin Debt Relief offer debt consolidation services?
Yes, we offer a debt consolidation program for consumers with credit card debt, medical bills, repossessions, and accounts in collections.
Are credit card debt consolidation programs the same as debt consolidation loans?
No, debt consolidation programs for credit cards, notably debt settlement and credit counseling, do not involve lending at all. Rather, it involves negotiating with credit card companies to reduce interest, overall payments, and/or the balance owed.
What are some common ways for consumers to consolidate their unsecured debt?
Debt settlement / debt negotiation – This debt reduction option involves negotiating the principal balance owed by the consumer down by 40 to 60 percent. It is the fastest and most cost effective debt consolidation option. This is the alternative offered by Franklin Debt Relief.
Credit counseling / debt management – This option involves negotiating the interest rates charged on the credit cards. Credit counseling plans typically last between 4 and 5 years.
Debt consolidation loans – This option involves taking out a loan to pay off any outstanding credit card balances. Normally it is secured by collateral like your home or vehicle. Unsecured debt consolidation loans are offered by companies like Citifinancial, Beneficial, and American General Finance.
Credit card balance transfers – This option involves taking the balances of all your credit cards and putting them on another credit card with a lower interest rate or minimum payment.
Chapter 13 bankruptcy – This option involves paying back your creditors over 5 years through a court-approved payment plan, which is based on your income.
Is a debt consolidation loan a good option for consumers seeking debt relief?
In many cases, yes. In other cases, however, a consumer may be better off using debt settlement, credit counseling, or bankruptcy for debt relief. In a lot of other cases, consumers who need debt relief are not even eligible for a debt consolidation loan because of bad credit, high debt balances, or any other factor which may raise a red flag to a lender.
What determines whether a debt consolidation loan is a good debt relief option?
Obviously the term, rate, and conditions of the loan are critical. In order for a debt consolidation loan to make sense, clearly the monthly payment, interest, and/or payback term must be less than staying the current course. Assuming these factors are all favorable to the consumer, the most important determinants of the suitability of a debt consolidation loan for your situation is a) the nature of the loan, b) the nature of your debt problem, c) your income stability and the amount of “breathing room” you’ll have if an unexpected expense arises, and d) how these all play into each other.
Why is the nature of the loan important?
The nature of the loan is important for a few reasons. For one, a secured debt consolidation loan raises much different issues for a debtor than an unsecured one. For example, if a consumer takes out a second mortgage to consolidate their credit card debt, they better have sufficient income and “breathing room” because as little as one missed payment can result in the foreclosure of their home. Secondly, the nature of a debt consolidation is important because a high interest, low payment unsecured loan may provide short-term relief, but in the long run, it may cause the consumer to lose thousands of dollars in interest charges and fees.
Why is the nature of the debt problem important?
Some studies show that over 70% of consumers who refinance their property or take out a second mortgage to pay off credit card debt end up in the same financial position in as little as 2 years. Given this fact, a debt consolidation loan rarely makes sense if the borrower’s circumstances are the result of overspending or poor budgeting. After all, a debt consolidation loan will only delay the inevitable---coming to grips with a spending problem---while removing equity from your largest investment---your home.
Why is my income stability or the amount of “breathing room” important?
This is particularly important for consumers choosing the secured debt consolidation route because as we mentioned previously, their home can be foreclosed in the event that as little as one payment is missed. Obviously consumers whose income fluctuates dramatically each month or who are in an industry / company that is losing jobs have more to consider before they ever take out a debt consolidation loan. This issue is important for unsecured debt consolidation loans as well because if the likelihood for successfully satisfying the loan is low, the consumer would most likely be better off tackling the debt through settlement or credit counseling. After all, why waste time and money paying back interest charges that you cannot afford? “Breathing room” is often a forgotten variable when a consumer is considering his or her debt relief options. The main reason for this being so important is that unexpected expenses are almost inevitable to arise throughout the pay off term of the loan. Without sufficient savings or surplus income to compensate in the event this does occur a consumer will be forced to miss payments.
Are bill consolidation loans tax-deductible?
The interest from debt consolidation loans that are secured by a home is in fact tax deductible. This is one of the main advantages.
What are some other advantages of using a home-equity debt consolidation loan?
The other advantages are the interest and monthly payment are typically much lower than what you are paying on a credit card. This has to do with the fact that the debt is secured (so the lender is taking on less risk) and the payment term is somewhat long. Another advantage is that consolidating your debt into one payment not only gives you more peace of mind, but it also means you are far less likely to be late on a payment, which improves your credit.
What options do I have for consolidating medical debt?
Consolidating hospital bills is best achieved through settlement or negotiation, credit counseling, or by using a home equity debt consolidation loan. The problem with medical bill consolidation, however, is that sometimes the monthly payment is higher than what you are currently paying. Unfortunately, all too often consumers with medical debt are left with no other choice but to file bankruptcy. Read this article for more information about help for hospital bills.
Sunday, August 3, 2008
Auto Insurance Quote
Get The Lowest Auto Insurance Quote (Get The Lowest Auto Insurance Quote)
Insurance companies take in a variety of factors when they determine what premium you will pay for your car insurance. This includes your driving habits, age, area of residence, who else drives your car and mileage.
Here are some factors that will help you get the lowest auto insurance quote
Drive Carefully - The first step in getting the best possible rates is a clean driving record. If your driving record is accident free, you are bound to get cheaper rates.
Reduce Coverage On Older Cars -Consider reducing the amount of comprehensive coverage on older cars. Car dealers can assess the value of your car and you can reduce the amount insured. For example, a car that you bought in 2001 was worth £7,000 at that time; now its estimated value is around £5,000. So instead of paying the comprehensive insurance for £7,000, you can reduce it to £5,000 to reduce your premium.
Take Advantage Of Low Mileage Discounts - Some insurance companies offer discounts to motorists who drive a lower than average number of miles a year.
Safety And Security Equipment - The equipment installed in your car can have an impact on insurance premiums. If your have an alarm or and anti-theft system installed in your car, you will receive a lower premium rate. If your car is equipped with safety airbags, it will reduce injury-related costs and will also lead to a lower rate.
Seek Out Other Discounts - Companies offer special discounts to clients who have not had any accidents or violations for a year or more. It is often referred to as ‘No Claim Bonus’. Another common discount offered is the multi-car discount. If you insure two or more of your cars with the same insurance company, they will give you special discounts. Therefore, make sure you fully inquire about all other available discounts from the company agent before buying insurance. This extra knowledge will help you save a significant amount of money.
Consider Third Party Cover Only - This type of insurance is the minimum amount of coverage that is legally required, it is also the cheapest. You should consider this policy only if your vehicle is of low value. In any accident, any damage to a third party will be covered but any damage to your vehicle will not.
Insurance companies take in a variety of factors when they determine what premium you will pay for your car insurance. This includes your driving habits, age, area of residence, who else drives your car and mileage.
Here are some factors that will help you get the lowest auto insurance quote
Drive Carefully - The first step in getting the best possible rates is a clean driving record. If your driving record is accident free, you are bound to get cheaper rates.
Reduce Coverage On Older Cars -Consider reducing the amount of comprehensive coverage on older cars. Car dealers can assess the value of your car and you can reduce the amount insured. For example, a car that you bought in 2001 was worth £7,000 at that time; now its estimated value is around £5,000. So instead of paying the comprehensive insurance for £7,000, you can reduce it to £5,000 to reduce your premium.
Take Advantage Of Low Mileage Discounts - Some insurance companies offer discounts to motorists who drive a lower than average number of miles a year.
Safety And Security Equipment - The equipment installed in your car can have an impact on insurance premiums. If your have an alarm or and anti-theft system installed in your car, you will receive a lower premium rate. If your car is equipped with safety airbags, it will reduce injury-related costs and will also lead to a lower rate.
Seek Out Other Discounts - Companies offer special discounts to clients who have not had any accidents or violations for a year or more. It is often referred to as ‘No Claim Bonus’. Another common discount offered is the multi-car discount. If you insure two or more of your cars with the same insurance company, they will give you special discounts. Therefore, make sure you fully inquire about all other available discounts from the company agent before buying insurance. This extra knowledge will help you save a significant amount of money.
Consider Third Party Cover Only - This type of insurance is the minimum amount of coverage that is legally required, it is also the cheapest. You should consider this policy only if your vehicle is of low value. In any accident, any damage to a third party will be covered but any damage to your vehicle will not.
- Best And Lowest Insurance Quote
- Your Health Insurance Quote
- Comparison of Policies
- Cheapest Insurance Quote
- Instant Insurance Quote
- Premiums Can Be Lowered
Saturday, August 2, 2008
Google EBooks
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Download this FREE comprehensive 84 page e-book on Google Adwords by Brad Callen and learn how you can profit with the Google Adwords system.
Download Now
Adsense Arbitrage Ebook
Download this FREE e-book to read a case study on how Michael Plante earned $4515.21 using only Google Adwords and Google Adsense.
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Google Profits
The Google/ClickBank Power Profit System
How to make huge online profits using the power of Google AdWords and ClickBank
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Friday, August 1, 2008
Download My Blogspot Tool Bar
Download My Blogspot Toolbar for Firefox
& Internet Explore
Add buttons to the Toolbar
to search your favorite sites.
Bookmark frequently visited pages
and access them from anywhere
Search smarter with instant suggestions
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Share web pages with friends
via blog or email
System requirements:
• Windows XP/2000 SP3+, Mac OS X 10.2+, or Linux
• Firefox 2.0+
• Internet Explorer version available here
Click Here To Download Tool Bar
Add buttons to the Toolbar
to search your favorite sites.
Bookmark frequently visited pages
and access them from anywhere
Search smarter with instant suggestions
as you type in the search box
Share web pages with friends
via blog or email
System requirements:
• Windows XP/2000 SP3+, Mac OS X 10.2+, or Linux
• Firefox 2.0+
• Internet Explorer version available here
Click Here To Download Tool Bar
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