http://www.pacificarticles.com en-us http://www.pacificarticles.com N/A rchamria@gmail.com Mon, 13 Oct 2008 07:43:23 -0500 20 http://www.pacificarticles.com/articles/7668/1/Hey-Big-Spender-Britains-love-affair-with-borrowing/Hey-Big-Spender-Britains-love-affair-with-borrowing.html The UK's love affair with loans, credit cards and mortgages is a common topic in the news these days as Brits fall ever deeper into debt. At the end of... aregan@pacificarticles.com (Andrew Regan) Tue, 31 Jul 2007 00:00:00 -0500 http://www.pacificarticles.com/articles/7613/1/Encourage-your-customers-to-pay-on-time---and-how-to-recover-the-debt-if-they-dont/Encourage-your-customers-to-pay-on-time---and-how-to-recover-the-debt-if-they-dont.html Whatever sort of business you run, it can be difficult to ensure that your customers pay their... aregan@pacificarticles.com (Andrew Regan) Thu, 26 Jul 2007 00:00:00 -0500 http://www.pacificarticles.com/articles/6727/1/When-Do-You-Need-a-Debt-Consolidation-Loan/When-Do-You-Need-a-Debt-Consolidation-Loan.html If your monthly debt payments to credit cards and banks and retail outlets, exceed 20% of your income, your debts are what might be..... crackmarketing@pacificarticles.com (crackmarketing (Kris Koonar )) Sat, 09 Jun 2007 00:00:00 -0500 http://www.pacificarticles.com/articles/6726/1/How-Debt-Consolidation-works/How-Debt-Consolidation-works.html We all carry a lot of debt around with us if we live in the western world, and sometimes the load becomes almost unbearable, but there are..... crackmarketing@pacificarticles.com (crackmarketing (Kris Koonar )) Sat, 09 Jun 2007 00:00:00 -0500 http://www.pacificarticles.com/articles/6725/1/Debt-Consolidation-or-Bankruptcy/Debt-Consolidation-or-Bankruptcy.html It’s a question that has stumped wise men (with overdrawn credit limits) for generations. Do I file for bankruptcy, or do I get debt consolidation loan and..... crackmarketing@pacificarticles.com (crackmarketing (Kris Koonar )) Sat, 09 Jun 2007 00:00:00 -0500 http://www.pacificarticles.com/articles/6724/1/Debt-Consolidation-Options-What-Form-is-Right-For-You/Debt-Consolidation-Options-What-Form-is-Right-For-You.html When you decide to consolidate your debt, the obvious first question is “how?” – and that’s a question that isn’t easy to answer right off the bat..... crackmarketing@pacificarticles.com (crackmarketing (Kris Koonar )) Sat, 09 Jun 2007 00:00:00 -0500 http://www.pacificarticles.com/articles/6723/1/Clearing-debts-by-getting-more-credit-cards--it-works/Clearing-debts-by-getting-more-credit-cards--it-works.html We all, over the course of our lives, sometimes rely on credit to get by. Whether it is for a mortgage on our home, a loan for a car, or..... crackmarketing@pacificarticles.com (crackmarketing (Kris Koonar )) Sat, 09 Jun 2007 00:00:00 -0500 http://www.pacificarticles.com/articles/2771/1/Debt-Repayment-Plans-That-Dont-Work/Debt-Repayment-Plans-That-Dont-Work.html There are a million people out there telling you how to pay off your debt. Finances are a very individual thing. While there are guidelines you should follow, not everything works for everyone. You have to consider your personal spending habits and reasons before you are able to make a debt repayment plan that works for you. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2770/1/Do-You-Have-a-Debt-Problem/Do-You-Have-a-Debt-Problem.html So many people are in way to deep when it comes to debt - they just don't know it yet. I am constantly surprised at how many people tell me that they have everything under control. Yet, they don't have enough money to pay the bills without juggling things around. Or they can't buy groceries. Or they say they will start saving for retirement tomorrow, not realizing that tomorrows add up to too late. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2769/1/Consolidation-Can-Save-You-Money/Consolidation-Can-Save-You-Money.html You can use many different methods in order to save money. Some of them come in surprising places, such as consolidation. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2768/1/What-Does-It-Take-To-Get-Out-Of-Debt/What-Does-It-Take-To-Get-Out-Of-Debt.html Debt is a force that can totally take over your life. And you might not even realize that it is happening. Then one day, you wake up and there it is. Your credit cards are all maxed out. You can't seem to juggle things the way you used to. There just isn't enough money. You don't want to answer the phone. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2767/1/Understanding-Debt-Consolidation/Understanding-Debt-Consolidation.html Almost every person who has ever faced debt problems has thought for one moment about debt consolidation. It sounds like a great way to simplify your situation. It sounds like a way out. A lower payment sounds like what you are looking for. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2766/1/5-Signs-of-Serious-Debt-Trouble/5-Signs-of-Serious-Debt-Trouble.html How do you know if you need to seek help from a credit counselor? There are so many things that can cause your finances to hit rock bottom. You can trim back on your spending and keep a close eye on your accounts. But like losing weight, many have the willpower to do it themselves, others need help. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2765/1/Good-Debt-and-Bad-Debt/Good-Debt-and-Bad-Debt.html There is hardly an adult in the United States that doesn't have any debt. The amount of personal debt is increasing. It may be because credit has become so easy to obtain. Everywhere you go, you are offered a credit card and a 10% discount. It can be so tempting. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2764/1/How-Debt-Management-Plans-Affect-your-Credit/How-Debt-Management-Plans-Affect-your-Credit.html You may have heard that signing up for a debt-management plan can help you and hurt you at the same time. Your credit may not be as damaged by a debt-management plan as you might think. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2763/1/How-to-Choose-a-Debt-Counselor/How-to-Choose-a-Debt-Counselor.html Choosing a credit counseling agency or debt management company is a big decision. After all, this is someone that you are going to spend a lot of time with and share a lot of your best kept secrets with. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2762/1/Organize-Credit-Card-Debt/Organize-Credit-Card-Debt.html If credit cards have become a way of life for you, it might be time to organize your credit cards. If you have a lot of credit card debt, you might even want to look at consolidating your cards to a lower rate card that will save you in interest charges. Be careful, done incorrectly, canceling and consolidating credit card debt can harm your credit. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2761/1/Over-your-head-in-Debt/Over-your-head-in-Debt.html Credit card debt is becoming a right of passage for Americans. It isn't only tolerated, it is encouraged as a measure of being wealthy. The idea is that you can surround yourself with things to forget your troubles, while putting of paying for it all. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2760/1/Debt-Strategy-that-Works/Debt-Strategy-that-Works.html Do you have a debt strategy that works? If borrowing all you can is your strategy, it's not going to work! Debts are both good and bad, but in general, the less debt you have, the better off you are. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2759/1/Why-Arent-You-Paying-Down-Your-Debt/Why-Arent-You-Paying-Down-Your-Debt.html Do you have good reasons for not paying off your debt? martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2758/1/Forming-a-Good-Budget/Forming-a-Good-Budget.html Everyone makes budgeting mistakes. It can take several trial and error months to get it all right. Budgets are constantly evolving. You have to work hard to find one that works for you. But there are mistakes you can avoid. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2757/1/Emotional-Debt-Issues-Can-Cause-Financial-Ruin/Emotional-Debt-Issues-Can-Cause-Financial-Ruin.html Many people base their financial decisions on their emotions. This can be dangerous. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2756/1/Do-You-Have-Too-Much-Debt/Do-You-Have-Too-Much-Debt.html How do you know if you have too much debt? Credit is a great way to get what you need when you need it, but many Americans are finding that credit can get out of control rather quickly. martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2755/1/Should-You-Pay-Off-Your-Debt/Should-You-Pay-Off-Your-Debt.html You've made a commitment to change your spending habits. You have a budget and you are working on getting out of debt and building up some savings. You just received a bonus at work. What do you do with it? martin_lukac@pacificarticles.com (Martin Lukac) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2754/1/Cheap-Debt-Consolidation-Loans/Cheap-Debt-Consolidation-Loans.html These debt consolidation loans are offered to at a cheap rate and gives us the opportunity to combine our bills. This lets us pay one bill that is manageable. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2753/1/-Debt-Consolidation-Consolidate-Your-Debt/-Debt-Consolidation-Consolidate-Your-Debt.html There are a few different options when it comes to consolidating your credit card debt. If you are currently paying high amounts of interest. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2752/1/-Debt-Consolidation-and-Reduction/-Debt-Consolidation-and-Reduction.html Debt consolidation is needed today more than ever. We are deeply in debt and need to find our way out. There are many ways to eliminate debt Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2751/1/Student-Loan-Consolidation-Guide/Student-Loan-Consolidation-Guide.html When considering the idea of consolidating a student loan there are a few things that need to be considered. they are when, where, and how. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2750/1/Debt-Consolidation-Lending/Debt-Consolidation-Lending.html Many folks today are facing ever increasing burdens of debt. Break free of this today. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2749/1/Student-Consolidation-Loans--New-Low-Rates/Student-Consolidation-Loans--New-Low-Rates.html Some online lenders are now offering lower interest rates on student consolidation loans. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2748/1/Debt-Consolidation-Lead/Debt-Consolidation-Lead.html There is no doubt that consolidation loans will save you money now and in the long run. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2747/1/Consolidating-Your-Student-Loan/Consolidating-Your-Student-Loan.html Student loan consolidation is a very important move in your financial life. This is usually the first thing college graduates can do to move toward a solid financial future. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2746/1/Government-Student-Loan-Consolidation-Plans-Have-Four-Categories-to-Choose-From/Government-Student-Loan-Consolidation-Plans-Have-Four-Categories-to-Choose-From.html It would be in your best interest to review and evaluate each of these plans to find out which one suits you best. Many financial institutions have counselors than can also help you make choices about plans Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2745/1/There-are-Plenty-of-Reasons-to-Look-into-Government-Student-Loan-Consolidation-as-an-Option/There-are-Plenty-of-Reasons-to-Look-into-Government-Student-Loan-Consolidation-as-an-Option.html Government student loan consolidation is a great idea, as interest rates are at record lows, no matter if you are an undergrad, or have already graduated. Tim_grimsley@pacificarticles.com (Tim Grimsley) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2744/1/Card-Debt-Consolidation/Card-Debt-Consolidation.html Though all of us have credit cards and credit card debt is touching alarming proportions, but the fact remains that a huge section of the population are not even aware of card debt consolidation and how the system works. ian_henman@pacificarticles.com (Ian Henman) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2743/1/Reducing-Debt-Through-Balance-Transfers/Reducing-Debt-Through-Balance-Transfers.html It may sound strange but if you are in debt because you inadvertently charged every single purchase you have made in the past year to your credit card, and yet only manage to pay the minimum - you can actually get out of the vicious cycle by getting another card and then transfer your balances. Confused? Lost? Not sure how that is so? Well, here’s how it works. g_smith@pacificarticles.com (G Smith) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2742/1/How-Does-Debt-Consolidation-Work/How-Does-Debt-Consolidation-Work.html Being in debt exacts a heavy emotional toll on a person. When an individual is heavily in debt, it is easy to feel like the future is hopeless and without meaning. Life ahead seems bleaker with each passing moment. After all, what is there to look forward to in life when all you see are insurmountable debts that have to be paid? jeanethe_pollock@pacificarticles.com (Jeanette Pollock) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2741/1/Student-Loan-Consolidation-Important-Things-to-Consider/Student-Loan-Consolidation-Important-Things-to-Consider.html Whenever you combine several student loans into a single loan, that loan can technically be called a student consolidation loan. Student loans are consolidated for reasons similar to other loans – in other words, to unify many payments under a single one, ideally under the lowest possible interest rate. jeanethe_pollock@pacificarticles.com (Jeanette Pollock) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2740/1/Debt-Consolidation-Mortgage-What-You-Should-Know/Debt-Consolidation-Mortgage-What-You-Should-Know.html What exactly is a debt consolidation mortgage? If you are having difficulties in meeting your monthly obligations, then consider getting a debt consolidation mortgage. Simply put, a debt consolidation mortgage is a loan which puts up your house as collateral. jeanethe_pollock@pacificarticles.com (Jeanette Pollock) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/2739/1/Where-to-Look-for-a-Bill-Consolidation-Service/Where-to-Look-for-a-Bill-Consolidation-Service.html If you are thinking about consolidating your bills, then a bill consolidation service is just what you need. A bill consolidation service can help you with the different techniques used in unifying your bills into one. jeanethe_pollock@pacificarticles.com (Jeanette Pollock) Tue, 10 Oct 2006 00:00:00 -0500 http://www.pacificarticles.com/articles/548/1/Credit-Card-Purgatory---A-7-Step-Comprehensive-Plan-to-Get-and-Stay-out-of-Credit-Card-Hell/Credit-Card-Purgatory---A-7-Step-Comprehensive-Plan-to-Get-and-Stay-out-of-Credit-Card-Hell.html Does this Sound like You? There are 100 shopping Days left until Christmas and your Credit Card Balance is Higher now then it was in the beginning of the year. You may have thought of using your home and getting a debt consolidation loan, A Debt Consolidation Loan without a solid Long Term financial plan is a Recipe for Disaster. A One way ticket to Credit Card Purgatory Mikemakler@pecificarticles.com (Mike Makler) Mon, 26 Jun 2006 00:00:00 -0500