For instance, if you’re at an eight-percent interest rate currently, your lender may offer you 6.5 percent because it’s significantly lower than your current rate. Normally, that would be great, but if rates are at 5.5 percent, your lender isn’t doing you any favors. That is why it is so important to be prepared with quotes from other lenders. It lets you know what rates are available to you, and lets your lender know that you’re not going into situation blind.

A wise decision is to treat your current lender as you would any other lender (see examples at: http://debt-solution.biz ). If they do not come in with lowest rate or best service, take your business elsewhere. While it is nice to do business with a familiar face, you are not obligated to refinance with them, and if you can save money by going elsewhere, you should do so.

Written by Craig Romero/Mortgage Analyst

Let me be your Dad for a second…”Stop being lazy!” Go shop for a new credit card, and ask them if they offer balance transfer opportunities. Virtually ALL OF THEM DO! When you get answer you’re looking for, apply. They’ll send you a nifty letter in mail with a bunch of blank checks. Have a feel day! Go pay off your other credit cards, transfer balances, and start enjoying zero to low interest! Pretty cool, huh?

6)But TOM, what do I do in six months?

Oh please. You know what you need to do. Mark your calendar, or your Franklin Covey, or your PDA, or whatever you use, and repeat procedure again in 6 months (hot-tip: look for no-time limit zero interest balance transfers.)

This is easy stuff, folks. But it does take a couple extra steps.

That’s why people AREN’T DOING IT, if you can believe that!

Well, it’s your turn to be smart consumer, right? Take this BIG, HUGE, sensible first step, and you are well on your way to pearly gates of Credit Card Utopia!

We’ve enjoyed providing this information to you, and we wish you best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

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