About CarissaPille

CarissaPille has been a member since May 25th 2016, and has created 16 posts from scratch.

CarissaPille's Bio

Dlaczego warto mieć kominek? Kominek w swoim domu to niewątpliwie coś kapitalnego. Zdecydowanie nie ma takiej możliwości, aby coś było nie tak. Jednak w dalszym ciągu niemało osób rozmyśla, z jakich przyczyn faktycznie kominek jest aż tak podziwiany. Jeśli akurat takie określenie jak podziwiany jest odpowiednim określeniem... Bez wątpienia kominki mają taką zaletę, iż gwarantują ciepłu domowi nawet jeśli zepsuje się ogrzewanie. To bardzo dobrze, bo przecież wszyscy wiemy, jak niesamowicie znaczące jest to by w swoim domu nie uskarżać się na niskie temperatury. Oprócz tego trudno w sumie nie docenić kominków za to, iż najzwyczajniej w świecie dają naszemu domowi klimatu. Kiedy oglądamy filmy, pewnie nierzadko widzimy kominki gdańsk... Sprawiają przecież one, że bądź co bądź dom jest bardziej klimatyczny, a więc bardziej rodzinny. Zwłaszcza jotul to uznana marka. Trzeba przyznać, że kominki akurat tego producenta są znane z fantastycznego wykonania. Możesz dowiedzieć się sporo więcej na jotul, kominki.

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Zero Annual Percentage Rate Credit Cards

There is no doubt that the human race has many weeknesses. Where I am sure many would say sex was the greatest, I believe that money, or the lack there of, constitutes the single biggest human weakness.

You might wonder why money is the human race greatest weakness? Actually it is the ‘lack of money’ that is the real culprit. When people do not have money they turn to many things. One of those is credit. Credit cards are certainly one of the greatest weaknesses for human beings.

Now, I can’t really speak on behalf of everyone else, but Americans are seriously guilty when it comes to charging their credit cards to the max. I have worked in customer service for 8 years, run my own debt counseling agency for twice that long and I have seen people day-in and day-out, abusing evil credit cards.

I call them evil for obvious reasons. They tend to shaft you with the interest rates at some point or another. Of course if you can find 0 annual percentage rate credit cards, then that’s ideal. You want no interest rate on balance transfers and purchases. Ha, if you can actually find such a credit card, then I commend you. Remember, the first time you break the credit card companies rules, such as being late on a payment, the interest rates go through the roof.

If you’re not yet savvy when it comes to credit cards and how they work, let me fill you in. The perfect plastic would be 0 annual percentage rate credit cards. Now, these are not so easy to come by. Typically what credit card companies do is pitch a 0 APR on balance transfers. This generally only lasts for a year. Then it’s hard to say how high the annual percentage rate will go. This is the credit card company’s way of capturing you into a high interest rate.

Maybe you have student loan debt of ten grand, for example, which has a horrible percentage rate. If you were to find one of these 0 interest rate cards you could transfer the balance onto your 0 interest rate credit card and suddenly have a 0 percentage rate. That’s great you say! There are no two ways about it. It would even be better if you could pay the debt off before the year of 0 APR runs out. The real question is, will you make all your payments on time?



Anyway, with most 0 annual percentage rate credit cards it doesn’t concern purchases. I have yet to see a credit card that offers 0 APR for a year on purchases, balance transfers sometimes, purchases almost never, especially as the economy stands today.

Remember that the credit card companies want to make money off the interest. This is why they don’t offer it with purchases. They know, however, that they will keep their credit card if you transfer a balance and the opportunity to miss a month payment or be late is good for them. When you miss a payment all bets are off. Your interest rate will go up…up…and oh yeah…UP! And most people almost never pay off their balance transfers at the end of one year. So after one year you will be forking out the extremely high interest each and every month. This is simply the way of the credit card industry.

Maybe you’re searching for 0 annual percentage rate credit cards in order to do a balance transfer. Hey, you should absolutely delve into cyberspace and do a Google search. I’m sure you will find several 0 annual percentage rate credit cards currently available. Just remember that these 0 annual percentage rate credit cards most likely reguarding balance transfers and not new purchases. It’s doubtful that the 0 APR concerns purchases. So basically don’t charge them unless you must, and always pay on time and never miss a payment.

Cash Advance and Finance Companies

There are many businesses, such as finance companies and the like that will sometimes, based on your credit and other factors, such as, collateral, allow you to obtain different cash amounts of money in the amount of around $1000 as long as you pay the cash amount borrowed back within the contractual time frame of the finance companies repayment structure.  Without a doubt, or should I say ‘with debt’, you will definitely end up repaying a whole lot more than money than you originally borrowed because of the usually very high interest rates that these finance or cash advance, as they are sometimes called add onto these cash advances loans.

Some of these finance companies or cash advance companies, however, do not allow loans as high as $1000. Instead, these finance companies or cash advance companies will tend to loan lower amounts of cash such as $200, $300 and even up to $500. Certainly, if you are in need to borrow a higher amount, you will need to do your research. Whatever you do, don’t get your hopes up about borrowing from one particular finance company or cash advance company that might disappoint by not providing the cash advance loan amount that you need to borrow.

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Cash advances from finance companies or cash advance companies are seen more as a last resort or ‘stop gap’ to many consumers facing some short term, low cost emergency and should only be used when you have absolutely no other financial options. With that said, some argue that finance companies or cash advance companies they are helpful if only a small amount of money is needed that a normal loan company or bank cannot or will not provide. Most regular loan companies or banks cannot provide any amount lower than $1000 and will turn you away especially if you need the money fast.  A finance company or cash advance company, rather than seeing your needs of anything lower than $1000 as too small of an amount just might see that smaller amount you need and you as the perfect customer for them and be willing to help you. Remember though that cash advance companies or finance companies will usually tack on a higher interest rate.

A $1000 loan may be hard to get at a loan company or bank, but if you do find one that will provide you with a loan for that amount, then you are better off using the loan company or bank instead of the cash advance or finance company because they will not require you to pay as high of an interest rate as a cash advance or finance company would. In the long run, working through the loan company or bank will pay off as your payments decrease.

CREDIT CARDS, What you need to know when applying for a Credit Card

One of the disadvantages of modern times is that people tend to acquire so many things they don’t really need. Numerous gadgets and services occurred targeting a vast market of consumers and this emergence of various inventions somehow blinded people.

Since finances—especially money—is one of the major concerns of many people, a wide array of financial management services and financial options emerged. One of the most visible among the unending line of financial management services there are is the credit card.

Although many people testify for the financial convenience you get when you apply for a credit card, it doesn’t mean that every financing convenience applies for you or for everybody in that matter.

When people apply for a credit card, there is always a reason. It can be for managing their finances, needing extra money or in preparation to a big expenditure. But, no matter what the reason is, people apply for a credit card because of the ultimate convenience it brings. By now, you may have had your share of ‘pre-approved’ credit card offers in your virtual and physical mail. Since people are quite vulnerable when they apply for a credit card, some credit card issuers lure these people by giving low introductory APR, no annual fee offers among numerous perks. The tendency of this so many alternatives and “value” deals is to sway the person who wants to apply for a credit card.

There are undeniably endless lists of pros and cons when you apply for a credit card, but if you really have decided to apply for a credit card, these are some of the helpful tips that can guide you on your credit card shopping journey.

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Actually, there are three easy steps you should follow if you have decided to apply for a credit card. First, surf the net and do some research on credit cards. By doing this, you can familiarize yourself with different credit card terms and types. Second, you can compare numerous credit cards that would best serve your needs and lastly, you may now apply for the credit card of your choice by filling out a credit card application by visiting a bank representative or through online.

In order to find the right credit card fast and easy, first, before you apply for a credit card, make sure you mastered the credit card terms. When you apply for a credit card you must know what a “credit card” really is. Being a form of borrowing that involves charges, credit cards usually have underlying credit terms and conditions affect your overall cost. So, it’s best to compare terms and fees before you apply for a credit card and agree to open an account. Some of the important terms to be understood well include the annual percentage rate or the APR.

When you apply for a credit card, you must know how the APR affects your credit account. Being a measure of the cost of credit expressed as a yearly rate, the APR should be disclosed before you apply for a credit card so that you would not be obligated on the account and on your account statements later on. Aside from APR, the periodic rate must be disclosed to the card holder before they completely apply for a credit card so they would have an idea of their outstanding balance and finance charge for each billing period. Other important terms to know before you apply for a credit card are free period or “grace period,” annual fees, transaction fees and other charges, other costs and feature, and balance computation method for the finance charge like average daily balance, adjusted balance, previous balance, and two-cycle balances. If you’re not that type of person who is patient enough to research on all these terms, make sure that before you apply for a credit card, the issuer will give an explanation how the balance is computed and it must appear on your monthly billing statements.

Home Mortgage Loan Modification Program, HAMP

I had heard of loan modification for many years. In a few cases I actually helped some of my customers with loan modifications. In most cases however, I felt and guided my clients to other avenues that I felt would help them best. However, with the economy and credit and all the other new things going on in America right now, I have taken a second look at this whole Loan Modification idea. After searching high and low, I have found a program that I believe satisfies a client’s needs in a straight forward way.

Since the time the world economic crisis hit the American society, numerous American homeowners found themselves struggling to make their monthly mortgage payments due to the increase of their interest rate or because of the households’ significant income reduction. On many instances the things went so bad that some families moved close to facing the horrifying threat of their homes running the risk of being foreclosed.

A home loan modification is much like a mortgage refinance in that the objective is to find you a more affordable mortgage payment for your financial situation. In fact, it is often called a modified refinance. The primary difference is that instead of looking for a “new” loan you will just simply “modify” the terms of you existing mortgage with your current mortgage lender. Rarely does a person change their mortgage company when they seek a Home Modification Plan.

Some of the more common loan modification qualifications are:

  1. You have had a documented hardship of major change in your personal financial circumstances
  2. You have missed 3 or more payments, usually referred to as 90 day delinquent.
  3. You own and live in the property as your primary residence
  4. You have not filed bankruptcy
  5. You don’t purposely default to get a loan modification
  6. Actively seek to be responsible in working with your lender

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On October 1st, 2010, HAMP officially implemented the new PRA or Principal Reduction Alternative guidelines for HAMP loan modifications. If you are struggling to make your mortgage payments and your house is underwater (you owe more than it is worth) you should be getting excited! Under the new Principal Reduction Alternative Guidelines, servicers evaluating HAMP modifications must do a mark to market loan to value (MTMLTV) ratio on any loan greater than 115 percent. If the loan is applicable, a principal reduction then becomes the next step to reducing your monthly payments to the 31% monthly income cap.

Under the previous guidelines, to make the 31% monthly income cap servicers would reduce the interest rate, extend the loan terms (30 to 40 years) and only use principal reductions as a last resort.

This should dramatically increase the amount of principal reductions for homeowners who are having trouble making their monthly mortgage payments. Homeowners must make timely mortgage payments after the HAMP principal reduction alternative program has been completed for them to receive the full benefits of this program.

These solutions offered by the Home Affordable Modification Plan should dramatically help many consumers. This federal government sponsored program is intended for helping millions of homeowners to save their homes. Of course, this is being backed by the Federal Government and that means it is being participated by the majority of lenders across the USA. Even if the program doesn’t cover all borrowers, still many of those who are able to provide proof of their income along with meeting certain other criteria do qualify for having their mortgage loan modified, in some form, provided they take the necessary steps and apply for their loan modification instead of waiting in hope their situation will get settled on its own.

Loan Modification Wizard – You can do this – A fast, effective program that takes you step by step through the Loan Modification Program. You just can’t go wrong. Learn more about the Loan Modification Wizard.

If you failed with making one or several scheduled monthly mortgage payments or if you feel the hardships you are experiencing are likely to make it hard for you to fulfill your mortgage repayment obligations in the near future unless the interest rate on your loan is reduced, it is extremely important that you do not wait another day. You need to get with someone that can help you with negotiating your loan modification terms with your lender based on the new Home Affordable Modification Plan provisions.

If foreclosure is in your horizon, do not worry. There may still be some opportunities for you. The Federal law provides that the foreclosure process must be stopped while you are being considered for the HAMP.

If this is your first mortgage on your primary residence, which originated before 1 January 2009, and if your monthly mortgage payment also exceeds 31% of your gross monthly income, you should contact someone today about the HAMP program or if you are inclined to do this type of thing yourself and have the where for all, you need to act quickly so that a loan modification plan can be worked out for you.

Monetary incentives are abounding for the banks and other mortgage lending companies through the current HAMP program. Currently there are 75 billion dollars in subsidies coming through HAMP. As I said, this makes for a very lucrative monetary incentive for the banks to co-operate with borrowers who qualify.

Here is the checklist of the financial documentation you are advised to have in your disposal while talking to your loan servicer asking to consider you for loan modification under HAMP:

  1. Information about monthly gross income, including recent pay stubs, if you are the borrower who receives salary
  2. Documentation confirming income you receive from other sources, if any
  3. Your latest income tax return
  4. Information about your assets
  5. Documentation confirming any subordinate lien mortgage on your home
  6. Account balances and minimum monthly payments due on all of your credit cards
  7. Account balances and monthly payments on all other debts (say, car loan)
  8. A hardship letter explaining why your mortgage has become not what you can currently afford (for example, your expenses could have increased because of the urgent need to undergo an expensive medical treatment)

These should cover also other borrowers, if any.

Have questions? Looking for assistance? No need to hire an attorney – you can have your loan modification done with ease using the Loan Modification Wizard, designed to lead you step by step through the entire process of your home loan modification.

Credit Card Laws, Changes and Things You Can Do for You!

Congress made a change in the credit card laws. This credit card change will apply both to the consumer and to the companies that issue credit cards to consumers. First we should give you the definition of this law that was changed. The law that I am speaking of is called The Credit Card Accountability Responsibility and Disclosure Act of 2009. In short it is defined as the “Credit Card Act of 2009” or the “CARD Act”. The definition of the CARD Act is this: a major credit card reform legislation that will establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.

Okay then, what does this mean to you as the consumer who uses credit cards on a regular basis? If you are a high risk consumer and have bad credit, this credit card change will not be good in how it applies to you. One of the biggest credit card changes you will see is the lowering of high fees on credit cards. These are credit cards that are given to people with poor credit. This credit card has a low limit but then adds charges of extremely high fees right up front. The credit card company feels justified in doing this as these people are high risk and they need the money from these consumers as they feel that they may not get any money paid back to them. Now think about this for a second. If you know that they are a high risk, why even give them a credit card to begin with? The answer is people with high risk should not be given credit cards at all. These people should stick with prepaid credit cards or obtaining a secured card through their bank.

Another issue might be to look and Survival. What I mean is that if you are having a lot of troubles paying all your monthly credit bills, look at a means of surviving the future onslaught of collectors that are about to swoop down on you and your family. You can learn how to frustrate debt collectors and collection attorneys, avoid a credit card debt summons and most importantly, stay out of bankruptcy.

Here are a few things you should focus on:

  • Not having to choose between monthly necessities and credit card bills.
  • Stop worrying about not paying your credit card debt.
  • Not having to cave into debt collector demands and payment schedules.
  • Knowing the best answers for your particular problem if and when you need them.
  • Not making bad decisions, if debt collectors are at your doorstep.
  • Saving time when there is little time to respond to a debt collector or collection attorney.
  • Being able to preserving the privacy of your financial affairs.
  • Avoid bad-debt consequences and maintain control of your life.
  • Not losing money you do not have to pay debt settlement, debt negotiation or debt consolidation companies.

Here is a great resource for Surviving Credit Card Debt

RushCare - A Prepaid Visa Card 160x600
So what does the CARD law mean to you if you are not a high risk person, you have good credit? Well, if you are one that looks at lower interest rates that cards offer and transfer balances frequently, you will not have this luxury any longer. It will not be gone completely, but the lower rate will be for a much shorter period of time. You may not think that it will even be worth doing the transfer to begin with.

If you are a small business owner and have company credit cards, the CARD Act may not apply to you. As of now, the CARD Act applies only to consumer cards. But don’t hold your breath thinking you are out of the woods. Credit card changes could be coming down the pike even as we speak.

As for small businesses, there is a Gold Business Select program that guarantees you access to a team of experts in the field of business credit who can walk you through the process of what it takes to establish hundreds of thousands of dollars in Business Funding. You can reach them at Business Select Program.

What if you do not have any credit cards, but you do use your banking credit card, which really is a debit card? One good that I see in continue using a debit card is that you can no longer be charged for overdraft fees. Your bank must give you a form to sign stating that you do not mind being charged overdraft if you do go overdrawn. In other words, you “opt in” before the bank can charge you these fees.

What if you use a gas credit card offered by an oil company? The CARD Act will influence this type of card. For instance, if they offer a revolving feature in payments of the card, this will be more expensive for you in higher interest rate.  They will also lower the refund amount in which you get in return for using their credit cards.

If you are one to use prepaid credit card or gift cards, the CARD Act will allow the company to have pre-purchase disclosure fees. This might include an inactivity fee. Most of these cards will now have an expiration date. They may also limit you on the amount of money you can load onto the card. The companies that issue these cards feel that they have no choice in enacting these fees as they really do not make much money on them to begin with.

If you have credit cards that offers you rewards for your purchases, this will have changes as well. No longer will rewards just be given to anyone, but rather, you will have to apply and see if you qualify for the program up front.  Companies are screening their customers more closely to see who should be allowed the rewards and who should not.  Companies are looking more of doing away with rewards and cater more towards the individual spending habits of their clients and issue “rewards” on their personal likeness.

Student credit cards will now be a thing of the past. The CARD Act prohibits marketing of credit cards to anyone under the age of 21. A student must now show proof of income or have a parent co-sign to get the credit card. These cards have low credit limits and higher interest rates. Some companies are offering discounts on coffee or textbooks if you are good and pay your bill on time. This way the student can use the discount immediately. However, more students are given prepaid credit cards or gift cards instead of credit cards.

The CARD Act creates lots of changes for all kinds of credit card users. It really depends on which type of credit cards you use to determine how you are affected.

I hope this gives you a better understanding of the changes in the law and how it relates to you. Let me know if this information was good for you.