Bad Credit - But This Card Is Alive

After 16 years of serving the interests of humanity as a volunteer worker in Germany and Botswana, it was now time for me to take my pregnant wife back home to the UK.

Having lived frugally on a minimum allowance for so many years, we knew what lay ahead would be a challenge, but the change to parenthood and self financing appeared exciting in the approaching horizon as we left behind a life never to be lived again.

My father in law owned a small cottage in Moffat, Scotland, not far from the English border town of Carlisle. We took up residency in this tourist town, not fully understanding the difficulties of finding employment in a rural area. When setting up house afresh after being abroad, necessary things like washing machines etc have to be purchased. We had little funds due to our previous lifestyle so we were hoping to obtain 0% store credit - then we received our 1st surprise!

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Still There is a Unique Opportunity For Bad Credit History

Less than perfect credit score and absence of security to present to the lender make the loan approval difficult. Bad credit borrowers are always treated as the riskier ones by the lenders. The presence of security minimises the lenders risk and he does not hesitate to offer suitable loan plan. However, everyone is not that mush fortunate to own a home and pledge it as security against the loan amount. Borrowers like tenants, students, unemployed are debarred from the purview of the loan against residential property.

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Is Foreclosure Aid Targeting Homeowners Correctly?

In February, 3,750 New Jersey homeowners were sent foreclosure notices, according to RealtyTrac, an Irvine, Calif.-based firm that tracks real estate trends. That number, however, is still about 14 percent higher than the number of filings sent in the same period last year. Since the foreclosure rates continue to rise, this indicates the existing program isn't currently working.

To help homeowners facing the dilemna of losing their home even further, President Obama announced an expansion of the existing program geared towards helping people who are in foreclosure. The porgam will cause the government to bear most of the burden. How? By allowing homeowners who owe more than their house is worth to get new loans backed by the Federal Housing Administration, a government agency that insures home loans against default. To qualify for the FHA refinancing program, borrowers must not have fallen behind on their existing mortgage payments. Why would a person who is has not missed mortgage payments need help from the government? Those borrowers are paying their mortgage, it is the homeowners who are missing payments that need assistance.

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Time To Put An End To The Payment Protection Insurance Witch Hunts

THERE has been so much written in the past few months about payment protection insurance it has all become a little confusing. Most of what has been written has been very negative, indeed dangerously negative - witch-hunt proportions even in some quarters. A mortgage magazine even ran a campaign to have single premium accident, sickness, unemployment banned.

Amid all the chest beating and promotion, some clarity is desperately needed. Without relevant PPI being offered to customers, there is an even greater risk of one of the fundamental objectives of the FSA not being met - and that is protecting consumer interests.

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The Benefits of Refinancing & Consolidating Debt with a Mortgage

Debt Consolidation Loan, Home Equity Loan, Adjustable Rate Mortgages... Are these financial solution buzzwords perplexing you too? Don't fret, like many Americans trying not only to comprehend all your options but understand how they might benefit you can be confounding.

With interest rates rising, the average FRM was up to 6.72% on Friday, May 12th from 5.50% a year ago the same time according to HSH Associates it's imperative that consumers weigh their options carefully. Trendy financial advice today calls for consolidating debt or refinancing your mortgage or both. And, while I agree this is plausible advice, what's most important is evaluating your specific situation then identifying the means to which will best solve your financial strife.

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Will the Last Ones to the Recession Be the Last to Leave?

It seems Texas has arrived to the recession fashionably late, the question now is how long will we stay? The current economic woes began to be felt in some parts of the nation at the end of 2007, the official beginning of this recession. Texas began to feel the squeeze at the end of 2008, a full year later.

Austin in particular has only recently started to feel the economic pain that the rest of the country has been experiencing for the last year. According to a recent Austin-American Statesman article, Texas could cut as much as 296,000 jobs in 2009, particularly in the previously booming sectors like construction and financial services. Analysts predict the state unemployment rate could go up to 8 percent.

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Reassess Your Financial Standing At the Time of a Loss of Income

As long as we have a job, we always think that we have a steady source of money coming in. We have pre-considered budgets for the electric bills, the internet bills, communication bills, and even for a little leisure. If we're smart enough, we also have set aside a steady percentage for savings. However, when we are faced with a sudden loss of income, what do we do? What do we do when the bills are still coming in but the paychecks have stopped?

Now, don't panic. In fact, the best thing that you can use right now is peace of mind. Use this time of reflection to reassess your financial standing.

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Not So Fast - Is the American Economy Really on It's Way to a Recovery?

Is the recession near the end? Is the American economy on its way to recovery? The answer is probably yes. That's good news, right? Not so fast, say some economic analysts. And they mean, literally, that the stock market may be rebounding a little too quickly.

According to a recent report at Yahoo Finance, the stock market's rally in recent months is a bit of a mixed blessing. The hope that the economy is on the rebound "has lifted the Standard & Poor's 500 index, a benchmark for many investments like mutual funds, an enormous 39 percent from a 12-year low on March 9. Those kinds of gains might normally take four years to materialize."

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Second Mortgage vs Home Equity - Facts You Should Know!

Introduction

It's amazing how many people get confused between a second mortgage and a home equity loan. For all intents and purposes they are one and the same.

The amount that can be borrowed on a second mortgage is based on the difference between your home's current value and the outstanding principal balance on your first mortgage - this is known as your 'equity' - starting to sound familiar? Additionally in the U.S. the interest paid on a second mortgage is normally tax deductible.

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The Cost of Redundancy Insurance Up 43 Percent

The last 12-months have seen a number of insurance companies withdraw their redundancy only insurance which pays out a monthly amount of income if you are made involuntary redundant and are actively seeking work.

Redundancy insurance provides peace of mind for those have come to feel uncertain about their financial future with their market leading redundancy insurance.

The UK's market leading redundancy insurance with only a 30 day initial exclusion has now announced that their unemployment only insurance rates will be increasing by just over 43%. All other features of the unemployment cover remain as this stage unchanged.

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Car Financing Without a Job - Improving Your Odds

A catch-22 is one of those situations whereby you have two goals or desires, but in order for either one to happen the other one must happen first. This pretty well describes what it is like for the millions of people who are without a car and without a job. The way they see it: it is much harder to get a job without having a car, but at the same time it feels impossible to get approved for an auto loan without having a job.

If you are in this situation, the simplest solution would be to have someone you know who cares about you lend you the money needed to buy the car you need. Yes, great solution. Trouble is, for most people today, they just do not have on hand the money required to loan to a friend or loved one so they can buy a car.

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Student Debt Help On Six Successful Strategies

Student loans look like a great thing when you are in school. Nevertheless, when you leave the school and have to start paying back them on a beginner's earnings they are going to get hirsute. Student loans are notoriously difficult to get off also. Still a personal bankruptcy will not clear them. Student loans are forgiven only if you die or become constantly and entirely disabled, but you probably don't want to go that far to eliminate your debt.

Nevertheless, if you're stuck with your loan, there is student debt help available. The following six strategies may help you make up your payments.

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So You Want to Modify Your Mortgage? Part 2: Initial Documents You Will Need

So you have gotten your loan modification process started, as detailed in the last article. Good for you! As mentioned in that article, you should now have a good idea of how much your payments will be reduced if the modification goes through. Hopefully this will give you plenty of incentive to respond promptly to the lender with all the documentation you need to produce and steps you need to take. At this point, your lender should have supplied you with a loan modification case number and a list of documents you'll need to produce in order for them to process the modification. Keep in mind that this may be only the initial set of documents they require, and more may be needed later on in the process. The faster you respond with the needed information, the more quickly the process will go for you.

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Debt Management: Manage Finance, Manage Life

"The most efficient way to produce anything is to bring together under one management as many as possible of the activities needed to turn out the product."

We often indulge in uncontrolled expenses and spending beyond our means i.e.; spending more than you earn results in mounting debts. At times of severe financial crisis, Debt Management helps you to manage your funds and also protects you from the humiliation of debt struck conditions. The process involving the use of several techniques to curb the amount of debts is known as debt management

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The Complexities of Self Employed Redundancy

Normally, the statutory redundancy payment is only for those who do their 9-5 jobs. The self employed individuals do not qualify for such benefits. In some cases, a statutory redundancy payment can be offered to someone whose work fits more the role of an employee than someone who is self employed. If they get classified wrongly as a self employed person, they can have entitlement for the redundancy payment since they should have been classified as a regular employee. This is the regular set up that you will normally see in most insurance companies. However it is still possible to find self employed unemployment coverage.

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How To Stay Positive If You Lose Your Job

Anyone who's been in this situation or is in this situation right now will tell you that it is, hands down, the worst situation you can be in at this point in time. Redundancy, downsize, dismissal, change of career, relocation - whatever the situation is, if you don't have a job right now, you're probably feeling like your world is coming crashing down around you. Now is NOT the time to implode or break down. You need to keep it together and start making things happen for you. You need to be smart.

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California's Answer For The Sub-Prime Lending Melt Down

Most first-time buyers are now faced with a higher credit score requirement and tighter standards after the sub-prime market went through its shakeup. For many, that has created an additional challenge above and beyond the high cost of housing in California. The answer to this is a very much overlooked first-time home-buyer program that solves this problem for many entry-level buyers with low FICO scores. The CALHFA (California Housing Finance Agency) program is sponsored by the state of California and has many features not available anymore through sub-prime lending.

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Grab One More Chance Of Financial Resurgence

Even if somebody's past credit history is not decent enough, still a credit is always within easy reach. Borrowings for bad credit are plentifully available in the UK loan market. But to find a suitable loan deal one must be prepared for a proper search on the Internet for it. All such people whose credit report mentions that they somehow failed to make timely repayments in the immediate or distant past-- or they have arrears, defaulted on payments, suffer from CCJs or IVAs-- are termed as having bad credit rating. They can use these funds for a variety of purposes like going for home improvements, meeting wedding expenses, buying a car, debt consolidation or even for a holiday tour.

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Bankruptcy Burdens

Canadian consumer bankruptcies are rapidly picking up pace with British Columbia and Alberta residents leading the downtrodden pack. Compared to 2008 bankruptcy statistics, the total number of current Canadian bankruptcies has increased by more than 7,000.

In addition, "the number of Canadian consumers who filed for protection from creditors while they sorted out their financial problems also increased..." (Globe and Mail). Canadian economists are attributing this rise in bankruptcy to the amount of debt and the high rate of unemployment among Canadians.

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Is Foreclosure a Reality? Learn About Your Options As a Homeowner

If you are in potential danger of having your home repossessed by your lender through foreclosure, then you are not alone. Over 1 million U.S. homes have been retaken by lenders since 2008, and foreclosure activity is believed to be picking up in 2012. As homeowners begin to face the reality of losing their homes, many are left wondering about what their options are when it comes to the foreclosure process. We can simplify the options a great deal to help you see the bigger picture.

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