Debt-Free Forever: Take Control of Your Money and Your Life
Debt-Free Forever: Take Control of Your Money and Your Life
Tired of getting to the end of the money before you get to the end of the month? Wish you were in control?
If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:
- figure out how much you’ve actually been spending
- calculate how much you owe—and what it’s costing you
- build a budget that works
- maximize your debt repayments so you can be free of consumer debt in 3 years or less
- prepare for a rainy day so it doesn’t mean a major setback
- set goals for your new, debt-free life
Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.
List Price: $ 14.95
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Categories: Loan Products Tags: Control, Debt Free Forever, DebtFree, Forever, Gail Vaz Oxlade, life, mean, money, Price, take
Give and Take: A Revolutionary Approach to Success
Give and Take: A Revolutionary Approach to Success
A groundbreaking New York Times and Wall Street Journal bestseller that is captivating readers of Malcolm Gladwell, Daniel Pink, The Power of Habit, and QuietFor generations, we have focused on the individual drivers of success: passion, hard work, talent, and luck. But today, success is increasingly dependent on how we interact with others. It turns out that at work, most people operate as either takers, matchers, or givers. Whereas takers strive to get as much as possible from others and matchers aim to trade evenly, givers are the rare breed of people who contribute to others without expecting anything in return.
Using his own pioneering research as Wharton’s youngest tenured professor, Grant shows that these styles have a surprising impact on success. Although some givers get exploited and burn out, the rest achieve extraordinary results across a wide range of industries. Combining cutting-edge evidence with captivating stories, this landmark book shows how one of America’s best networkers developed his connections, why the creative genius behind one of the most popular shows in television history toiled for years in anonymity, how a basketball executive responsible for multiple draft busts transformed his franchise into a winner, and how we could have anticipated Enron’s demise four years before the company collapsed-without ever looking at a single number.
Praised by bestselling authors such as Dan Pink, Tony Hsieh, Dan Ariely, Susan Cain, Dan Gilbert, Gretchen Rubin, Bob Sutton, David Allen, Robert Cialdini, and Seth Godin-as well as senior leaders from Google, McKinsey, Merck, Estee Lauder, Nike, and NASA-Give and Take highlights what effective networking, collaboration, influence, negotiation, and leadership skills have in common. This landmark book opens up an approach to success that has the power to transform not just individuals and groups, but entire organizations and communities.
List Price: $ 27.95
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Categories: Loan Products Tags: Approach, Daniel Pink, give, Malcolm Gladwell, Price, Revolutionary, Success, take
Q&A: How long does it take it when you do a cash advance or loan to appear in your credit report?
Question by ME: How long does it take it when you do a cash advance or loan to appear in your credit report?
I am closing tomorrow on my first home. People, not the realtor told me that you should not do any cash advance or purchases with your credit card. You should also not do any loans because the banks pulls your credit report right before the closing and they don’t like to see any purchases or loans. I was told today that I might have to pay something at the table tomorrow at closing. Just in case I wanted to take out 1000 from one of my credit cards in case it was more than what I have. Do you think If I do a cash advance or signature loan 2 hours before the closing that it will show up in my credit report? I’ve heard that the credit report does an update monthly not daily or hourly. Please let me know what you know =)
Well, they know I had money in my savings because they verified that. I had $ 9k I gave $ 3k to for the contract and canceled it before the 15 days because I still wasnt approve and then I gave again $ 3k and did another contract and canceled again because I still wasnt approved and then now the last time $ 3k which is what they are returning back to me tomorrow at the closing. So, they should be aware that I have money and due to the delay in the approval I had to cancel and re-due the contract to hold the apt.
Best answer:
Answer by Etta P
I believe you will be fine. If a lender pulls a credit report today, right now, only the account information that will be updated will be thru the end of the last 30 day cycle or monthly will show up. Exception will be any inquires will show up right away. Please keep in mind that borrowers are not permitted to use unsecured advances for purposes of purchasing a home, so if an inquiry does show (which normally credit card advances do not cause an inquiry unless you are asking for an increase in credit limit) and the lender may ask you for a letter of explanation. They will be looking for you to say that there was no new debt. But if you say your taking a cash advance to close on the home, then that will hold things up. That is just food for thought. Hope it helps
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Should I take try and get a bank loan to pay off my student loan?
Question by steven: Should I take try and get a bank loan to pay off my student loan?
My student loan is variable interest and sits at 12.25% right now. I owe 11,100$ on it. Would it be better for me to try and get a bank loan to pay it off so that I’m dealing with the bank instead of the Sally Mae loan?
Best answer:
Answer by bluebell
It would be good for you to find a lower rate of interest.
Find out from banks and local credit unions what their rate of interest is for a personal loan. When you have found the best rate, ask there about the possibility of a loan. If that is credit union, you will need to join up as a member and start saving there, ideally every week. After about 10 weeks you may apply for a loan, and by then you will have created a “history” with them for reliability, and getting the loan is virtually assured. You need to repay it (ideally weekly) over 5 years. A loan this size would cost approx. $ 65 weekly in my credit union over 5 years, or $ 95 weekly over 3 years.
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Can I take out a school loan from a bank with a co-signer if I haven’t paid off a pay day loan?
Question by GG87: Can I take out a school loan from a bank with a co-signer if I haven’t paid off a pay day loan?
I am preparing to go back to school in the spring and will be applying for a school loan through a bank with a co-signer. I have a delinquent pay day loan that I haven’t paid off yet and has been sent to a collections agency. I need to know if this in any way will hinder my chances of receiving my school loan.
Best answer:
Answer by Shania
Student loans are meant to help students who are unable to bear their educational expenses. Student loans are different in different countries in the way they are devised, but then the common types of student loans available are the undergraduate loans, college student loans, private student loans and federal family educational loans.
Student loan repayments are not made until the student completes his graduation. This facility helps him to concentrate on his studies and earn some little amount of money while he is studying, but repayment has to start once he finishes his education.
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★ Regina’s Personal Loan Story: “Life Can Take You By Surprise”
The Foundation for Safe and Responsible Lending Consumer installment loans, long considered the foundation for safe and responsible lending, are in vogue again. This proven money management practice for personal debt is based on sound financial principles and good insight into human nature. Personal installment loans are a transparent, affordable and disciplined form of credit which helps consumers meet important economic needs. In critical circumstances, these loans also help smooth out income fluctuations and disruptions from unexpected events like car repairs or medical expenses. An installment loan provides a properly structured and timely repayment schedule based on an individual’s actual ability to pay. It also inherently creates the satisfaction associated with achieving important financial goals through the practice of personal responsibility. Protecting Consumer Access to Responsible Credit Consumers Making Good Decisions for the Right Reasons The Same As It Was Over 100 Years Ago With traditional installment loans, the process today is the same as it was over 100 years ago. The industry provides high quality loans in a strongly regulated marketplace with all appropriate consumer protections—without having to rely on taxpayer subsidies. Clearly, it is imperative to keep a healthy, diversified private enterprise consumer loan industry available in this country.
Can a pay day loan take out money from another account that you didn’t authorize?
Question by Shanta: Can a pay day loan take out money from another account that you didn’t authorize?
I recently got a pay day loan. I paid on it for a while and decided to contact debt consolidation program to assist. I closed out the account that the pay day loan was with. I opened up a new account. I so happened to help my mom with a loan and pay day loan company I had previously tried to take money from my new account, is that legal?
Best answer:
Answer by roderick_young
I don’t know about legal, but it sounds moral. Check the agreement you signed with the loan company, it may provide for something like this.
What do you think? Answer below!