Peeking out from under your pile of bills is a postcard that looks like your saving grace: smiling, happy people proclaiming that they are free from debt -- and that you can be, too! The company's Web site is filled with testimonials from cheery faces, all saying how the company freed them from debt. Even better, the company says it's non-profit, so it has your best interest in mind, right? Unfortunately, that isn't always the case.

Debt consolidation companies help people in debt by combining all of their outstanding payments (credit cards, student loans, medical debt) into one payment [source: Chatzky]. Often, the debtor takes out a new, lower-interest loan to cover this payment. The consolidation company may also offer credit counseling and may negotiate with the credit companies to reduce the amount of debt owed. So how do they do it? Non-profit debt consolidation companies can offer their services for little to no cost through funding from donations, creditors and government grants.

Out of the Blue

If you're struggling with debt and someone calls you offering unsolicited help, hang up the phone. Likewise, if someone you have not contacted sends you an e-mail offering debt services, delete it. These telemarketers are contacting anybody they can in an attempt to scam them for money.

Just as there's no magic pill for baldness, weight loss, or wrinkles, there's no magic pill for eliminating debt quickly, completely and easily. Even with a legitimate non-profit debt consolidation company, it will still take years to wipe out debt. Consumers have to be careful of the temptation to spend more since they have a new loan. If you use a car or house as collateral on the loan, the bank can seize it if you default on payments. Using a debt consolidation service could also affect your credit report [source: DebtHelp].

Picking a not-for-profit debt consolidator can be difficult. Some companies abuse their non-profit status. Others seem local, but are actually located in another country. Read on for how to choose the right non-profit debt consolidator for you.

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Non-Profit Debt Consolidation Companies

Scottsdale, AZ - Even if you're not overwhelmed by debt, you most likely have seen or heard ads promising the overburdened nothing less than salvation from their debt woes. "Overwhelmed by debt? Combine all of your payments into one you can afford!", is a common slogan. In the same breath, the ads often mention proudly the non-profit status of the organization. Are these companies the saviors their carefully crafted images suggest?

Kristy Welsh, author of the book "Good Credit is Sexy", says she became suspicious when a reader of her Creditinfocenter.com website, on which her book is based, wrote to complain that his creditors had not received any money after two months of payments totaling $1200. Welsh called the company and obtained details of the program.

Non profit debt consol companies collect revenue through a 'donations'. But as many people have complained to Welsh, the Better Business Bureau and state attorney generals, the consumer is unaware that a portion of their money goes right into the company coffers. "I've had some people tell me they've paid into the program for a year and their debt hasn't decreased at all, says Welsh." In addition, many people who enter such programs with perfect credit have seen their credit rating destroyed due to the late payments of these companies. And the money from consumer 'donations"? One legal way for company executives to benefit from these 'donations' takes the form of large executive salaries. A recent investigation by Business Week found two companies had paid their executives over $300,000 a year.

Welsh says consumers can get often the same or better deal by negotiating down the payments and debt on their own, but it takes work. "As in weight loss, people want a magic pill to take instead of having to diet and exercise. Similarly, people just want to hear that they can hire a company to miraculously reduce their debt and make it go away." Ready to work a little to get rid of burdensome debts?

1. Settle with your credit card company to pay an amount for less than you owe. Most of them have established programs that will offer you a deal to settle for 75% - 50% of the debt. Your credit report will show the accounts as "settled", which is not a good listing, and will reduce your credit score, but you will have them off your back, and you have the chance to rebuild your credit.

2. In some cases, if you are a good negotiator, along with a substantial settlement, you can get the company to delete the listing from your credit report or convert it to a good listing. Remind the company rep that you only have a certain amount of money and you are only going to pay creditors that agree to convert the listing to a positive one.

3. Simply don't pay your debts. Not paying is a bad option; but it can be better than bankruptcy. Make no mistake, with this option your credit will be severely impacted; you will also have to deal with the possibility that the creditors will call you repeatedly and make answering the phone an unpleasant experience. A creditor could also get a judgment against you, but the chances, however real, are slim. The negative accounts will drop off your credit report in 7 years.

Debt Consolidation Loan For Payday Loan Debts

In the last few years, the debt consolidation loan has emerged as a great solution for those who have got trapped in different kinds of debts. In most cases, it has been found that people misused the various financial tools and ended up being drowned in huge piles of debts. Earlier, it was credit cards, and now a new kind of debt is killing the financial life of people.

The Misuse Of Cash Advance Loans

The payday loan is a great financial tool that can help you in times of emergency when you need instant cash and are not in a position to wait for the payday. There might be some small short-term emergencies that need urgent attention. This is where, such short term loans come to your rescue. The greatest thing about these loans is that they can be applied for and be approved for very quickly.

All it takes is just a few hours and the money will be directly credited into your checking account. However, people sometimes do not use a very prudent approach towards these short term loans and this eventually leads them to a deep payday loan debt problem. This is where they have to take the services of debt consolidation loan in order to get debt relief.

Debt Consolidation Or Bankruptcy?

The people who have payday loan debt basically belong to lower or middle class families. They get hand to mouth salary and any amount of debt may sound very huge for them. In particular, if it is a short term cash advance, the debt may rise very fast because of the high interest rate. The debtors sometimes are so frustrated that they even get ready to try bankruptcy as a solution for their debts. However, the matter of fact is that no matter how intense the debt problem is; there is still a solution for it with debt consolidation loan.

Therefore, debtors are highly recommended to try out consolidation also, before they try any suicidal step. The various payday loan debt consolidation services will not only save your financial life but will also make your life debt free in a very short time. The debts associated with short term cash advances are never too much that you cannot repay the same. All you need is the right strategy and a prudent approach. This is where you will find the debt consolidation loan a great help.

Miltary Debt Managment Agency

Military Debt Management Agency is a non-profit charitable organization that was organized in the fall of 1997. Originally it was formed to assist military personnel in obtaining previously denied security clearances. Additionally MDMA's mission is to provide personal budget counseling, credit education, and affordable debt management programs to active duty and retired military personnel.

At that time our goal was simple: To improve the quality of life to those who serve our country. Now that we have opened our debt management programs to the civilians sector, our mission is still a simple one:

To improve your quality of life and peace of mind
through financial security and understanding.
Our core program consisted of consolidating credit card accounts, lowering interest rates, eliminating costly monthly fees, and bringing past due accounts current. Our costumer service initiative was to have the utmost respect for all clients and to provide the most personal and comprehensive credit counseling program in the nation.

Throughout the years our program has evolved as the needs of our customers has grown. Currently MDMA offers a wide variety of credit related services. We offer low cost credit reports and analysis. We negotiate settlement plans for past due and charged off bad debt. Our budget counseling program has been modeled after the military's own personal financial management (PFM) program, and our consolidation program continues to assist military members in receiving or retaining their top secret security clearances.

Personal Finance for Military Families

Unlike the typical American worker/professional, members of the US Armed Forces and their dependents face a wider range of debt management challenges than most.

Whether deployed in peacetime or in these times of conflict, the wide range of credit problems that affect the military family can impact that family’s finances most dramatically.

Further, the rapid pace of change in the global geopolitical environment has created a scenario where an unanticipated assignment or rapid deployment can and often does create havoc in the entire military household – from emotional issues to debt consolidation, debt settlement, credit counseling and other financial ones.....

Armed Forces Loans Guarantee

AFL is the leading provider of Loans to active-duty and career-retired military personnel serving the Army, Navy, Air force, Marines, and Coast Guard. Get a loan for bills, car repairs, travel or vacation, credit repair, PCS expenses, furniture, home repair, and all your other needs

• Military Loans are available up to $5,000
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AFL Guarantee

We guarantee your satisfaction 100% No questions asked. If for any reason you are not completely satisfied, return your loan within 15 days at no cost to you.

US military loan

USMLC is a privately owned company dedicated to helping the honored members of the U.S. military make the most of their finances with low-cost, no-hassle loans. We provide unparalleled service and support throughout your loan term. And with a streamlined application and easy to understand instructions, getting the money you need couldn't be easier.

USMLC offers active personnel serving in the Army, Navy, Air Force, Marines, and Coast Guard:

•	A fast and easy way to borrow money
•	Loans valued between $1,000 and $2,500
•	An easy-to-complete application, a non-invasive application process, uncomplicated loan terms, and an effortless repayment structure
•	Respectful personal service provided by respectable personnel
•	Same day approval, when possible
•	A choice of loan delivery types and times: regular mail and wire-transfer
•	No penalty for early loan repayment

Military Financial

The Original Military Short Term Lender

• Up to 40% of your monthly take home pay
• Have cash the same day you apply
• Short Faxless Application
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• Private, Discreet, and Confidential

Personal Loans

An unsecured loan is a loan that is not backed by collateral, only your signature (signature loan) When you borrow money, the lender may require nothing more than your promise to repay the debt. Unsecured loans usually involve less documentation. Obtaining an unsecured loan is usually quicker and does not require a formal closing. There is usually just an application, a promissory note, and perhaps a payment schedule. This differs from a loan involving collateral. UK Residents Click Here.

An unsecured loan does NOT require collateral -- just your signature and a means to pay back your loan. When you borrow money, the lender may or may not require you to pledge collateral to guarantee repayment of the debt. If collateral is pledged, then you have a secured loan.

For secured loans, collateral can be anything of value, but collateral is NOT cash when it comes to loans -- lenders do not require you to send cash as collateral or "insurance".

Did you know that your home's equity is one of the best sources of cash? For homeowners, interest rates are often quite low. With equity, you can finance big-dollar expenses, such as car purchases, home remodeling, or medical expenses.

Not Satisfied with a Credit Card Purchase

In the United States, the Fair Credit Billing Act allows for consumer protection in the event of unsatisfactory purchases, and undelivered or misrepresented services/products. If you are unsatisfied with a purchase from a store, there are things you can do. If the merchant refuses to refund your money or replace the item, you may be able to take action against your credit card company. Your rights are established by law, but they depend on certain things, such as the purpose of your purchase (business or personal), how much the product cost, and how far from home you were when you made the purchase.

First, there are some factors regarding your purchase that must be considered to determine if the credit card company is legally liable:

1. Type of card that you used - You must have charged the item by using the charge card issued by the store where you bought it or by using a bank card, rebate card, or travel card. Even if two stores are owned by a parent company, one store will not give you a refund for purchases made at another store (Gap will not refund your money for a purchase made at Old Navy, for example).
2. Price of merchandise - If the merchandise was bought with a card notissued by the seller, then the product must cost more than $50. If you paid $49.99, you're out of luck, legally. Then the dispute is between you and the merchant, and the credit card issuer doesn't have to spend time resolving the matter.
3. Form and timing of complaint - You must complain in writing within 60 days after the first bill containing the error arrives. Some bank cards will intervene on your behalf even if you don't write them until after the time limit, but they may charge you an additional fee for doing so.
4. Location of transaction - The purchase must have occurred within your home state or within 100 miles of your billing address, unless the item was purchased with the seller's charge card. If you travel more than 100 miles from your billing address to make a purchase, your bank card doesn't legally have to become involved in your quest for a refund. However, many card issuers will waive this mileage rule. You just have to ask, politely. Catalogues, Internet sales, and phone orders may be considered in-state purchases, since information is sent to your home or the merchandise was advertised locally. State law may vary, but these purchases are generally protected. Overseas purchases are also frequently covered under consumer protection laws.

Debt Consolidation Refinance

If you’re living from paycheck to paycheck rest assured you’re not alone. Many folks barely make ends meet on a week to week basis. Sadly many people can’t even remember where they spend their money. They only thing they know is that it’s all spent before their next paycheck. This lack of financial wisdom is causing many consumers to file for bankruptcy as a means of relieving themselves from their high debt and financial obligations. What many folks don’t know is that this method of erasing your debts also destroys your credit rating and any hope for having a good financial status. Instead there may be another alternative – A debt consolidation refinance may be just what the doctor ordered to fix your current financial disarray.

The main reason anyone would and should consider utilizing a debt consolidation refinance is because it usually can help eliminate the harassing phone calls from your creditors and the debt collectors they employ. It’s also designed to consolidate all of your bills into one monthly payment that is slightly lower then what you previously paid in order to help alleviate some of your financially induced stress. Another benefit is the ability for a debt consolidation refinance to keep you from filing bankruptcy allowing you to stay recognized as a credit worthy consumer.

So when should you consider seeking out a debt consolidation loan or refinance? Typically, you should consider a debt relief loan as soon as your monthly bills become difficult or near impossible to pay. This early intervention through the use of a debt refinance loan will prevent you from having to pay outrageous interest rates, late payment fees and charges which will only complicate your already shaky financial status. Another good indicator of when to seek out a debt relief loan is when you only make the minimum payment amount due every month and when all of your credit balances continue to remain the same even after your monthly payments.

Homeowners have a big advantage over non-homeowners because they have the option of applying for a debt refinance using the equity in their home or house. Using this method requires the discipline to pay off your consolidate bills monthly and to avoid incurring any new bills. Don’t use your home as collateral unless you intend to make the payments on your new debt consolidation loan.

Always make sure to do your research online in order to find a reputable debt refinance and Consolidation Company. Many of these companies appear to be the real deal on the outside but in all actuality may only really be a loan shark in disguise. These establishments need to be avoided at all costs as they will place you under strict monthly payment terms and charge a much higher rate when compared to a real lender. One of the better debt refinance companies include several non-profit lenders who will be able to give you the best options when it comes to refinancing your current debt.

What is Term Life Insurance

Shopping for a life insurance policy can be confusing and frustrating. There are many different types of policies with different rules and privileges. Premiums vary significantly across providers and product types.



One of the most popular types of life insurance is term life. Term life is straight life insurance without any of the bells and whistles. Whole life, on the other hand, usually carries an investment portion which grows in value and can be cashed out over time. Term life pays the face value of the policy at the time of death of the insured.



Term life insurance has both positives and negatives in comparison to whole life. On the positive side, the premiums are usually significantly lower than whole life premiums because there is no investment portion. Many individuals with term life insurance find that having a separate investment account allows them to have more control over both their insurance and investments.



The major downside of term life is that it has a limited life or “term”. It must be renewed at intervals, usually every 5 or 10 years. As you are older at every renewal date and may have increasing health issues, the renewal rates are generally progressively higher. Whole life policies last for just that- the whole life of the insured without having to re-qualify.



The amount of term life insurance you need depends on your circumstances and your family’s financial goals. Think about what income your spouse would have to replace if you died. How many liabilities do you have right now including your mortgage, credit cards and car loans? Would it make your spouse’s life easier to have those obligations paid off on your death? You also may choose to include college funds in your term insurance face value but a better option is to set up an education fund separately an contribute to it regularly.

Life Insurance Policies

When it comes to selecting life insurance policies the Internet is the place to look for the best offers. Life insurance companies have flocked to the Internet in recent times, supplying online life insurance hunters with an extensive choice of life policies. The growth in the number of life insurance companies servicing life insurance polices has made a significant impact on life insurance premiums too, bringing them down to record low levels. Basic life insurance cover can now be acquired for less than 50p per day, and in some instances for as little as 20p per day.



Besides choice and price, the Internet also offers convenience to people who are looking for life insurance polices. Life insurance information can be gathered and insurance quotes asked for at any time of the day or night. If it suits you to search out information on life insurance policies at five in the morning, then life insurance companies on the Internet are there for you at five in the morning. Choosing between life insurance policies There are four types of life insurance policy available from most life insurance companies.



These are level term life insurance, level term life insurance with critical illness, reducing term life insurance and reducing term life insurance with critical illness. Level term life insurance is the most basic type of the four policies. It guarantees pay out upon death of the policyholder should he / she die during the term of the policy. The premiums remain the same throughout the life cover as does the amount paid out in the event of death. It is important to note that many level term policies have an upper age limit after which the life company becomes free of its obligation to pay out.

Introduction to Life Insurance

Life insurance is a means for providing financial protection for your family in the event of your death. A life insurance contract is relatively straightforward; you agree to pay a premium at regular intervals, and the insurance company agrees to pay a certain sum of money to your beneficiary upon your death.



There are three parties to a life insurance contract. First, there is the insured. This is the person whose life is being insured under the policy. Next, there is the insurer. The insurer is the insurance company who underwrites the risk. And third, there is the owner. The owner and insured are not necessarily one and the same. Someone can buy a life insurance policy to insure the life of someone else, such as their spouse. The person who buys the policy is the owner, and the person whose life the policy is based on is the insured. When the owner and the insured are different people, premium payments are the responsibility of the owner.



Every life insurance contract also has a beneficiary. This is the person who receives the proceeds from the policy in the event of the death of the insured, and is assigned by the owner. There are two types. An irrevocable beneficiary can not be changed unless the beneficiary gives his or her permission; if it is revocable, the owner can change it at any time.



The policy is subject to certain terms and conditions. There are usually certain exclusions that apply, depending on the person being insured. But with almost every policy, death as the result of suicide during the first two years of the policy term is excluded from coverage. Also, during the first two years of the policy, often referred to as the contestable period, the insurance company retains the right to not immediately pay out, even if the death is caused by a condition that is covered in the policy. The company can order an investigation into the death of the insured, to make sure that the death was not deliberate or the result of homicide.



The amount paid to the beneficiary is called the face amount. The maturity date is reached upon either the date when the insured deceases or reaches a certain age. Life insurance is most often used to provide income protection to the spouse of the deceased. Regardless of the reason for buying the insurance, the owner (if not the same person as the insured), must have an insurable interest. In other words, the owner of the contract must have a reason for wanting to insure the life of that person, otherwise the contract is void.

The Role of Life Insurance Companies

Around the age of thirty, people are becoming more aware of the fact that they need to leave a legacy and that a few people rely on their existence. When you know that you have a family to support, you can’t act like a teenager. But this is not enough. Once a person or more are waiting for you to provide for them, you need to assume a few responsibilities. You will soon realize that if something were to happen to you, they couldn’t survive spiritually and physically. You can’t do anything about the spiritual side, but you can make sure that your loved ones will have everything they need when you die.



When you realize that a life insurance is mandatory for your family, you need to find a life insurance company. This is not a complicated process, but it doesn’t mean that you shouldn’t choose your life insurance company carefully. The only element that stands between your family and a large amount of money that you had provided through a life insurance is your life insurance company. After you’re gone, the company will have to make the last step and make sure that your family will get the amount promised.



This is why you should make sure that you get a good life insurance company that tries to work for your best interest. Besides handing the money after your death, your life insurance company also deals with a lot of other legal issues while you are still alive. Because you don’t have to know everything about life insurance policies while you are still alive, your life insurance company should be able to tell you everything about the process. You can choose between a few types of insurances and each one can have advantages and disadvantages. Because you can’t take these decisions alone, you need to talk with a company who wants the best for you, not for their profit.



There is a certain code of ethics that should be respected by life insurance companies. While they could get a higher profit if you choose a certain program, it doesn’t mean that that program is the best choice for you. Your life insurance company should be able to tell you this and after a quick analysis of your situation and they should guide you to a plan that suits your situation best.

Benefits Of Life Insurance

One never knows when he or she may expire; life is merely hanging on a breath. Regardless of the number of dreams and plans we may have for our self or our family, they may just shatter with the blink of an eye. One does not have to be 100 year old to die; in fact, one may expire at any age; young or old. In such uncertainty, a life insurance provides security for you and your family. It helps one to retain the dreams of his or her family even after he or she is no more. A life insurance acts as a caretaker and guardian of the dreams of your dear and nears ones when you are physically not there to do it. You will be giving financial security to your family and in turn, securing their entire life to follow.



Do you know that the life insurance not only protects you but also you whole family? Yes this is right! In case of premature death you will be given this benefit. It is strange but many people are not familiar with the benefits of life insurances. For this reason, they abstain from getting them as well. As anything can happen to you at anytime, getting a life insurance allows you to have access to financial aid when and if required.



In order to get the maximum benefit from life insurances, you should seek guidance from an insurance expert. You need to explore different kinds of life insurance policies before settling for one. There are many police s including joint-life insurance, whole-life insurance and pension-life insurance. The purpose of all these life insurance policies is to provide you with financial aid in case of emergencies.

Value Life…Value Life Insurance

It is important that you include Life Insurance policy in your investment portfolio. When you opt to invest in Life Insurance you not only invest for your future, but you invest considering your families necessities. Individuals who depend on you for a living could be deprived of an income in your absence (read demise). Hence it is suggested that you analyze every pros and cons before you opt for your Life Insurance Policy.



Ideally a policy that you could afford to pay the premiums for in the longer run is recommended. Chalk out your monthly expenses and then settle in for an amount that you could afford on a periodical basis. Failure to pay the premium in stipulated time will result in the policy being confiscated by the insurer (Life Insurance Company). Also important is the coverage you get from the policy.



Life Insurance Coverage determines the period for which you are actually insured. They could vary. In whole Life Insurance you keep paying the premium through out the term of the policy, where as in term life policy you pay the premium till a certain time, after which an amount (depending on market conditions) is returned to you.



There are different types of Life Insurance Policies that are offered to you by the Life Insurance Company, the most prominent amongst those are Family Life Insurance, Whole Life Insurance, Premium Life Insurance and Term Life Insurance. When you opt to go in for Family Life Insurance, all your eligible family members get covered. This generally includes your spouse and children. Usually dependent children must be unmarried and fewer than 22-23 years of age, incapable of self support.



The payment is simple. Usually if you are employed the employer deducts a fixed amount from your salary and hands it over to the insurer. This amount keeps being deducted and accumulated in your policy account until you retire or leave the company. After that it is returned to you. Premium life insurance is a type of term life insurance with return of premiums paid throughout the policy term.



Like other forms of life insurance, if you die during the term of the policy, your family will receive the accumulated sum benefit of the policy. Whole Life Insurance is a sub-part of permanent life insurance where the person is eligible to obtain protection through out his life. Here the Premium rates are constant through out; hence it is advised to invest in these policies at a very early stage in life. Life Insurance where the Life Insurance Premium is paid for a stipulated period of time (5-10-15 years) is called term Life Insurance.



The premium rates here are bit on a higher scale compared to a Permanent Life Insurance. A major advantage of Life Insurance is that it serves as a major tax saving instrument. Under section 80CCC of the income tax ordinance amount invested in Life Insurance Policies is subjected to tax-exemptions. If an average investor has an annual income of more than the tax limit then the amount he will invest (till one lac) in Life Insurance will be deducted from his yearly income.



This facility makes it much more appealing in terms of an investment module. With recession hitting the jobs market hard, the insurance industry is possible the only sector that hasn’t been affected, simple because of the genre it dwells in. The sooner you opt for Life Insurance, the sooner you start valuing your Life.

Who Should Buy Term Life Insurance?

There are a wide range of life insurance products that are floating in the market. Choosing the right life insurance policy involves assessing your particular situation and evaluating the right policy for you. It is imperative to choose the right life insurance that fits your bill or which can be customized to suit your particular needs.


Unlike whole life insurance, term life insurance is purchased to cover a limited term period. Term life pays the insured sum only when the insured dies within the time span of the policy. Term life policies do not accrue any cash value. So if you live past the length of the policy, you won’t receive any money. It is also important to understand that premiums for term life policies may not be fixed, and may increase from time to time.



To avoid this, be sure to look for a guaranteed level premium term life insurance policy. These policies guarantee a level premium throughout the term period.Advantages of a Term Life InsuranceTerm life insurance covers the maximum insurance for your money. It can be beneficial for those families that have more financial obligations than current assets. Here are some of the advantages of a term insurance:



AffordableTerm life insurance offers the most affordable premiums against high death benefits.SimpleTerm life insurance is the most simple life insurance product available in the market.Competitive PricingSince term life policies are simple in nature, they can be easily compared on the basis of price and features. This makes term life insurance an appealing commodity in a very competitive market.



FlexibilityTerm Life policies may include "renewability" and "convertability" options. The renewability feature enables you to renew your term policy at the end of the term, without having to undergo a medical exam. A convertible feature allows you to convert your term life policy into an equivalent whole life policy, which accrues cash value, should you feel the need to switch to a permanent policy.Waiver of premiumThere is an additional optional feature called "waiver of premium", which means that in the event of your inability to pay premiums due to circumstances stipulated in the term life insurance contract, the insurance company will waive payments for a stipulated time.



However, this feature comes with an extra charge.Short Term Coverage to Suit Your NeedsTerm life is suitable for short term coverage. If your mortgage can be paid up in ten years you may want to choose a term policy for ten years. Most people do not envisage requiring life insurance in their senior years, so a term life policy makes sense for short term financial planning.Deciding If a Term Life Insurance Policy is Right for YouDeciding the right life insurance policy is a very important step in securing your family’s future. If you are looking for a low cost, budget friendly life insurance plan, choosing a term life insurance policy would be your best option.



Moreover, term life insurance is a good choice for people on fixed incomes and with a growing family. If you have a mortgage, educational loans, estate taxes or other liabilities, your sudden death would place an overwhelming financial burden on your family. Term life insurance provides high death benefits at the most affordable rates. This is why term life policies are the most popular life insurance policy. You should determine the amount of life insurance coverage that enables your family to clear all debts and provide a tidy some for their future. You may want to include college funds for your children in your coverage.



Here is a quick check-list that can help you to decide if a low cost term life insurance policy is right for you:
If you’re on a budget and cannot afford a very high premium.
If you are young, and in good health. You can take advantage of low premium rates.
If you are looking for a simple, straight-forward, low cost life insurance plan to protect your beneficiaries.




Most people need life insurance and term life is suitable for all stages of life. Term life policies offer a cheap option to suit your needs. Term life is also easy to purchase. Many online life insurance providers have access to hundreds of reliable life insurance companies. By feeding in your personal information, you can receive numerous quotes for comparison within minutes.



Remember to be completely honest in answering questionnaires. Use sites that are absolutely safe and are certified by the Better Business Bureau to safeguard your interests. Many online sites, provide cheap initial quotes to attract customers. They may end up being a disappointment.Many people think they may not be eligible for a term life policy or they will have to pay high premiums because they suffer from certain health conditions. But there are online life insurance providers who can help you find life insurance companies that may look more favorably on certain medical conditions than the regular life insurance companies. This is where shopping around for term life policies will come into play.



If your health is poor, you may want to check out these Insurance FAQs for help in how to find companies that may be able to offer you more favorable quotes even if you do suffer from certain medical conditions.ConclusionChoosing the right life insurance that suits your needs is simple once you’ve studied your options thoroughly. Utilize the Internet's resources to educate yourself about life insurance basics. Factor in your personal situation, present debts and future liabilities and you will be able to gauge how much life coverage your family would need.



Many online insurance quote providers can help you with your queries and offer professional advice on choosing the right policy for your particular situation. And once you factored in all the scenarios, and have numerous term life policies to evaluate, choosing a life insurance not only becomes easy, but beneficial too.

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Our community members and consultants offer free debt advice on debt consolidation, debt settlement, bill consolidation, debt consolidation loans, dealing with payday loans and collection agencies. They try to make your life debt free in an organized manner. Take advantage of a free debt counseling session and bail yourself out of the stressful situation.


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3 Choose your rewards.

4 Choose your own image.

First PREMIER Bank Black Platinum Card

1 Designed for people with less than perfect credit.

2 Reports monthly to 4 major Credit Bureaus.

3 Application response within 60 seconds.

4 Easy online application process.

5 Low APR on purchases.

Capital One Platinum

1 0% APR on purchases until August 2009.

2 After that, a variable rate, now 10.9% .

3 $0 Fraud Liability if your card is lost or stolen.

4 24-hour Roadside Assistance.

5 Travel Accident Insurance .

6 $39 annual fee .

Citi mtvU Platinum Select Visa Card for College Students

1 Get Points* for the things you do every day as a student, like:· Getting good grades· Paying your bill on time and staying under your credit limit.

2 Purchases at bookstores, restaurants and more.

3 Redeem points for amazing rewards like gift cards, travel, exclusive mtvU rewards and more
0% introductory APR for 6 months*.

4 No annual fee

Blue Cash from American Express

1 Earn up to 5% cash back on everyday purchases - even gas.

2 0% Intro APR for up to 12 months on purchases*.

3 Express Approval - Get a decision in less than 60 seconds.

4 No annual fee.

Capital One No Hassle Miles Rewards

1 1.25 miles for every dollar spent on purchases.

2 No limit on the miles you can earn and miles don't expire.

3 No blackout dates and no seat restrictions.

4 0% APR on purchases until February 2010.

5 No annual fee.

Discover More Card

1 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers.

2 Earn more cash in more ways than anyone else(SM)*.

3 Unlimited cash rewards, automatically.

4 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
Up to 1% Cashback Bonus on all other purchases automatically.

5 No annual fee

Citi Platinum Select Card

1 0% APR* on balance transfers and purchases for up to 12 months.

2 Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more
Secure, free online account management.

3 $0 Liability on unauthorized purchases.

4 Citi® Identity Theft Solutions.

5 No annual fee.

Credit Cards

1 Credit Cards:

1.1 Compare Offers and Apply OnlineCompare more than 100 credit card offers and apply online.

1.2 Review offers that include 0% introductory APRs, low fixed or variable APRs, valuable cash back reward programs, generous points-based reward programs and more.

1.3 Compare credit cards by issuer, by features, or by credit rating.

2 Main Catagories:

Balance Transfer Cards

Cash Back Credit Cards

Fixed APR Credit Cards

Gas Rebate Cards

Instant Decision Cards

Low APR on Purchases

Rewards Credit Cards

Student Credit Cards

Travel Reward Cards

3 Credit Rating:

Excellent Credit

Good Credit·

Fair Credit

Bad Credit

4 Related Categories:

Credit Reports, Scores

Debt Consolidation

Identity Protection

Pre-paid Cards

Secured Credit Card

Student Loan

1 Student Loan Consolidation and Debt Payoff Calculator:

This calculator applies two simple principles to paying off high-interest debt:

1.1 Consolidate your existing student loans

1.2 Use your extra cash every month to pay off your higher interest debt sooner We apply the amount of payment savings you choose to your non-student loan debt with with the highest rate.

1.3 When that balance is paid in full, the balance with the next highest rate will be paid down. This continues until you have rolled through all of your balances and your non-student loan debt is paid in full.

2 Student Budget Calculator:

Use this calculator to help analyze your budget as a full-time student. This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Link:

http://www.e-wisdom.com/

Home Loan

1 ARM vs. Fixed Rate Mortgage Calculator :

Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully-Amortizing ARM and an Interest-Only ARM. A fixed rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to either increase or decrease through time.

2 Refinance Interest Savings Calculator:

This calculator can help you that find out. Enter the specifics about your current mortgage, along with your current appraised value, new loan term, new rate and closing costs. Together, this can determine how much refinancing might save you overall. You can also find out how long (number of months) it will take to break even on closing costs with your new, reduced monthly payment.

3 Loan Comparison Calculator:

Determining which loan will provide you with the best overall value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new loan.

4 Mortgage Required Income Calculator:

That largely depends on your monthly debt payments and the current interest rate. This calculator collects these important variables and determines your required income to qualify for your desired mortgage amount.

5 Home Equity Debt Consolidation Calculator:

This calculator is designed to help determine whether using your home equity to consolidate your debt is the right decision for you. Enter your credit cards, installment loans and any other debt you wish to consolidate by clicking on the "Enter Data" button for each category. Once those amounts are entered, change the consolidated loan amount, term or rate to create a loan that will work within your budget.

Auto Loan Calculators

1 Monthly Auto Loan Payment Calculator:

Use this calculator to help you determine your monthly auto loan payment or your auto purchase price. Estimate how much automobile you can afford based on a proposed monthly payment, or estimate what your auto loan payment will be based on your purchase price and other factors.

2 Auto Rebate vs. Low Interest Financing Calculator:

Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing.

3 Auto Lease vs. Buy Calculator:

Use this calculator to find out whether you should purchase or lease. We calculate your monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.

4 Financial Calculators - Auto Loan Early Payoff Calculator:

How much interest can you save by increasing your auto loan payment? This financial calculator helps you find out. View the report to see a complete amortization payment schedule, and how much you can save on your auto loan.

Compare Lenders

Compare Lenders:

Compare loan providers by getting quotes from multiple providers. Find out what your options are before signing your next loan paper.

Types of Loan:

1 Auto Loan.

2 Home Equity Loan.

New Mortgage Loan , Refinance Loan , Student Loans,

3 New (Private) Student Loan.

4 Debt Consolidation Loan.

Loan Calculators:

1 Our loan calculators can help you assess your home loan finances quickly and easily.

2 Utilize the loan calculators below to better understand your specific financial situation and what different financial options may be available to you.

3 Interactive calculations, dynamic graphs and fully customizable reports are just a few of the features that make our loan calculators stand out.

Advantages

Advantages:

1 Be Debt Free Fast.

2 Cut Monthly Payments.

3 Reduce Debt up to 50%.

4 Get matched with pre-qualified providers
Save!.

Bill Consolidation

Rolling your debt:

Consolidating your bills involves rolling all your debt (such as car loans, credit card bills, and outstanding/delinquent payments) into one new account with one payment. It could be a bill consoldiation loan, where you apply for a low-interest consolidation loan or credit card. This helps reduce multiple high interest rate payments by consolidating them all into one loan/credit credit amount AND gets lenders off your back regarding back payments.

Consolidate through a service:

You could also consolidate bills through a service, like credit counseling or debt settlment if you cannot get approved for a loan. If you choose bill consolidation services, do your homework and pick the right solution for your situation, as some can hurt your credit or have longer term consequences.


Link:

www.bills.com

Credit Advisors

1 What we need to do is get a list of your bills, a run down of who you owe and how much.

2 So fill out the following SECURE and Confidential application.

3 When you're done you'll be quoted a payment plan.

4 This will tell you how much we need per month to handle your account.

5 You'll also know how long your plan would last to get you completely out of debt.


Links:

www.bankrates.com

www.bbb.org

The CareOne Difference

Discover how our solutions for debt can:

1 Help you pay significantly less.

2 Help you pay off your debt faster.

3 Let you make one simple payment per month.

4 Help you build strong money management skills.


Who qualifies for debt consolidation?

You can save money and get out of debt faster if you meet these simple requirements:

1 $2,500 or more in unsecured debt.

2 two or more accounts.

3 A source of income.

Link:

www.careonecredit.com