Debt consolidation – More Options for Reducing Credit Card Costs

Written by Charles Essmeier


Continued from page 1
is a bit of time and diligence. Besides shopping around forrepparttar card withrepparttar 137271 best rate and doing a bit of debt consolidation to place all of your credit card debt onrepparttar 137272 lowest interest card you own, you might also considerrepparttar 137273 following:

  • Ask your lender to waive your annual fee. The competitive nature ofrepparttar 137274 credit card business means that your lender will often waive these fees just forrepparttar 137275 asking. They would usually rather waive your fee rather than lose you as a customer. It costs nothing to ask. If they do waiverepparttar 137276 fee, addrepparttar 137277 fee amount to your next payment.


  • Pay more thanrepparttar 137278 monthly minimum payment. The minimum payment may soon go to 4%, which may place many borrowers who currently pay onlyrepparttar 137279 2% minimum in a bind. Get inrepparttar 137280 habit of paying more each month, or pay your bill in full, if you can.


  • Did you get a large tax refund? Send it to your credit card company. Sure, it would be nice to spend it on a new TV, but if you spend it on a TV while carrying a balance on your credit card at 25%, you are effectively paying 25% interest on your TV.
  • Use your debit card instead of a credit card. They haverepparttar 137281 same convenience and ease of use, but few ofrepparttar 137282 drawbacks.


  • Paying offrepparttar 137283 national average of $8000 in credit card debt can take a lifetime if you only makerepparttar 137284 minimum payments. That is a trap that you should make a concerted effort to avoid and by taking a few simple steps, you can keep your debt to a minimum.

    ©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and HomeEquityHelp.net, a site devoted to information regarding home equity loans.


    How to Write a Will

    Written by John Mussi


    Continued from page 1

    Remember to be specific and clear when naming beneficiaries. For example, staterepparttar person's full name as well as his or her relationship to you (child, cousin, friend, etc.) so your executor will know exactly who you mean. Clarity will also help to prevent challenges to your will.

    Do not forget to getrepparttar 137270 will witnessed. A witness should not be a beneficiary underrepparttar 137271 will. Only one copy should be signed.

    Once your will is written, store it in a safe place that is accessible to others after your death. If you had a solicitor prepare your will, have him or her retain a copy with a note stating whererepparttar 137272 original can be found.

    The end of your life is something you probably don't want to dwell on, but thinking about what will happen to your loved ones and your assets and personal possessions is important.

    Making sure you've done all you can to make their lives easier will give you peace of mind. And once your will is drafted, you won't have to think about it again unless something significant in your life changes.

    You may freely reprint this article providedrepparttar 137273 author's biography remains intact:

    John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.


        <Back to Page 1
     
    ImproveHomeLife.com © 2005
    Terms of Use