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With debt becoming an ever greater problem for American families, there are still many households either avoiding the situation entirely or falsely believing that things will turn themselves around. Purposefully ignoring bill collectors or pretending that something will just suddenly come up to remove the consumer debt that has been accumulating on their ledgers for an extended amount of time could only be deemed foolish, but we do understand the temptations that lead people to tackle the credit card burdens that have amassed through what, after all, has been their own efforts (or lack of such). Nobody wants to surrender control of their budget and short term financial destiny to outside assistance from strangers, but, at the same point, you have to take a serious look at your obligations not only as they stand now but over the long haul. This is where debt consolidation may be a genuine solution for you and your household. At the least, you owe it to yourself to give debt consolidation a studied appraisal to decide if the programs could have some benefit.

Think of it this way. How do you want your life to look over the next two, five, ten, even twenty years? Do you still want to be paying off today's debts decades from now? Of course not. This is absolutely the worst possible scenario - more destructive in the long run even than Chapter 7 bankruptcy protection. The longer you postpone a debt, the more you are giving up in money lost to compound interest rather than paying off the principal of your debt. When you take out short term consolidation loans, on the other hand, most of the money you spend upon the program is going toward the actual debt instead of the creditors' pockets. While the debt consolidation approach may require a temporarily harsh sacrifice, shorter term loans will help to get you out of debt trouble with much less expense over the course of loan when compared to simply maintaining the minimum payments. There's just no way for ordinary consumers to manage truly large debt burdens spread among a number of different credit cards or accounts without some form of debt consolidation.

Again, as we've said, it is more than reasonable for borrowers to insist that they can take care of their own debt by themselves without resorting to consolidation techniques. Indeed, one of the reasons credit card companies have been so successful in creating the modern society of revolving debt has been the sheer powers of abstraction needed to fully understand precisely how difficult it would ever be to better your position without greatly changing the framework of your financial obligations. Nevertheless, the magnitude of debt management within a better existence should not be diminished. Instead of putting food on your creditors' tables, you'll lead yourself into a position where you can improve your own chances for success and use all that you earn to help your own family struggle through our uncertain economy with some degree of security. By taking out the right sort of debt consolidation loan, you are giving yourself the opportunity to renegotiate the terms of your loan payment in a way that shall prove far more beneficial for all future endeavors. When working with the right companies and agreeing to loans that have the right terms, debt consolidation will allow you to think not just about next month, but also to realistically plan out the rest of your life.

Of course, things are a bit more complicated than simply undertaking an examination of the debt consolidation alternatives. It's highly important when looking at all of the varied consolidation loan options to find out what approaches are likely to be the most beneficial for you and your family, and this can be a trek that takes months to be fully realized. For one thing, there are just so many variables to be studied at before even the most basic fundamentals are addressed. Personal loan consolidation programs are heavily dependent on credit history, for example, and your ultimate interest rates will to a large degree be dependent upon the FICO scores offered by the three main credit bureaus. Employment history is also a good determination of what sort of debt consolidation program would allow admittance. For debt settlement negotiation, to take just one example, the specific lenders and nature of your unsecured debt - above and beyond the credit and income qualifications - could well make or break debt settlement as a workable notion for your household. Within the boundaries of an article such as this, it's just too difficult (and, for your authors, ultimately irresponsible) to attempt to accurately predict which form of debt consolidation could be the right fit for your own family. In the following piece, we merely wish to show a few different tips and strategies about the larger consolidation approach so that those interested borrowers may have some sort of map through their own hard fought discoveries about the realities of debt consolidation.

It is certainly true that the process of searching out debt consolidation loans and learning about the various benefits and drawbacks of the consolidation process could seem daunting to consumers who have never before bothered (or, in many cases, needed) to take the time to learn much about debt management and the various forms it may take. If you are worried about your credit history and just want to make all of the bill collector calls go away, it can seem all too tempting for borrowers to simply take the first loan that's offered in order to solve short-term problems. Still, this has to be said to be one of the most common mistakes you could make. More importantly, it's a mistake that could have destructive effects far into any unwary borrower's future. The best thing to do in any of these situations is just to stop, take a deep breath, and understand that you don't have to agree to any loan consolidation program right away. You will almost certainly be able to get a better offer from other debt consolidation specialists if you take your time and investigate every last alternative. For this reason, you want to always make sure to wait until the last possible moment to commit to a debt consolidation program.

To paraphrase a truism from carpenters and tradesmen, analyze twice and sign once. As every borrower should know, the lenders' quoted prices may be quite different from what actually turns up on the eventual papers, and, if you should remain dubious (and, trust your authors, you should remain dubious) that the consolidation quotes will barely resemble what you will see once you actually apply for the loans, the only logical thing to do is to compare prices among multiple lenders. The debt consolidation professionals that you work with will argue this decision, to be sure, and they will ask, with no small amount of practiced guilt projection, that you leave everything within their hands. An experienced debt consolidation specialist will make you leave their office feeling like a discussion with one of their competitors would be somehow cheating, but this is not infidelity. A serious attempt at debt consolidation, not to exaggerate things, could make or break your household finances for up to a decade afterwards and, with egregious malfeasance on the part of the consolidation firm, perhaps even longer. The only person who really understands your own best interests is you, after all. This may sound obvious, but many borrowers considering debt consolidation somehow forget the practicalities behind the procedure, and, in order to make an enlightened choice, you need to really understand what options are on the table. By comparing offers from a number of different lenders, you can only then allow yourself an accurate picture of what options have been made available. Furthermore, only then can you make a truly informed decision about debt consolidation that will best help you and your family prepare for the future come what may.

Remember, the real perspective to look at as regards debt consolidation should always involve the long game. You should not be seeking to get ahead for just the next month. That's what credit card companies count upon. When considering consolidation programs, you should be looking to decide on the best option that will let you get ahead in life through eliminating the debts that hamstring household finance without artificially crippling any larger dreams or unfairly limiting your family's comfort. For the sake of argument (one offered hourly by telemarketers, we should add), let's say that someone offers you the chance to reduce your monthly payments by half. This would mean that, instead of paying five hundred dollars a month you would only be paying two hundred and fifty dollars, but, in order to do this, the debt consolidation company may be extending the terms of your loan from five to fifteen years. Let's even assume there shall be a significant cut in interest rates for the time being. When you calculate the actual terms of the loan, you will end up paying a good deal more money - perhaps twice as much, depending upon rate and amount - than you would have had you left things alone.

This is why it can be so difficult for those borrowers who'd never pretended to be financiers to understand just what the greater consequences of such consolidation loans may be. In the last case mentioned, you would spend far more in interest through the course of the consolidation, and, even without the costs of said consolidation added alongside, what you'd imagined to be a positive action will leave you even farther behind in debt than what you could have achieved by merely paying every dollar toward eliminating those burdens. With a good consolidation loan boasting proper terms, you should not only be reducing those monthly payments, you would be decreasing the total amount of debt that needs to be repaid through the entirely of the loan. You work hard for the money you earn, we assume, and you do not want to throw it away simply because you feel an inexplicable loyalty to one smooth talking consolidation salesman. Read the details carefully for every document, pay attention to the fine print, comparison shop with competitors in the industry, and always make sure that you know what you're signing on for before they hand you the pen. In the end, the future is always up to you, and there is no reason to blame anyone else for your laziness or sloppy analysis if your debt consolidation should be handled poorly.

We cannot say this too many times: always know precisely what you are signing. It's hard to even estimate how many correspondents have written us complaining that they attached their names to contracts without taking the proper amount of time to understand the documents completely. In times such as these, particularly when debt collection agencies are breathing down your neck and even the minimum payments of credit cards seem depressingly our of reach, it may seem easy to just sign your name to anything that seems at first glance like it might solve all of your problems. No matter how convincing the debt consolidation professional may be within his beautiful office and how articulate he may be during his glowing presentation, you cannot just take his words at first glance. Look twice, look a third time, look as long and as hard as you need to until you understand every single word of the debt consolidation contract. Don't be afraid to ask for clarification from other consolidation specialists at the company you have been working with or even to bring the terms to a professional analyst at a neutral firm.

Remember, this is your life, and you need to have a clear picture of what the benefits and responsibilities of this debt consolidation program are going to be. If the consolidation counselor seems like they're glossing over the details when explaining the loan, make sure to insist that any questionable aspects of the program are explained in full. If you don't understand any part of the contract, ask about it and continue asking until you feel that you thoroughly understand every element of the consolidation. Force the consolidation specialists to go over everything in plain language without double talk, and ensure that even the smallest change has been recorded in written documents for later use. The contract is the heart of any financial agreement, especially debt consolidation, and you and your household must recognize and come to trust each and every line of the papers being signed in order to prevent troubles down the road. Think of debt consolidation as a sort of marriage between the borrower and the debt consolidation company, and, even more importantly, you should think of the initial consultations as a flirtation with you and the company circling the room and deciding upon mutual interests. In this way, you should not overly blame the consolidation officer for overly praising the virtues of his craft. Obviously, you want anyone who would take over your consolidation to believe in what they are doing and to believe their attempts to help the borrowers will meet with ultimate success, and, at the end of the day, no debt consolidation specialist will genuinely understand their potential clients' situation until they have gone through all possible scenarios after long nights studying credit reports and paperwork.

Honestly, it just doesn't matter that much what the debt consolidation company quotes you before your application is finalized. Legally, the only thing that will be looked at will be the contract they offer after (and only after) you have already applied and the final papers have been drawn up. Now, that contract should be very closely analyzed to see if there are any differences between the quote and what you were originally offered - as well, obviously, as whether these changes were mentioned by the company. To be sure, sometimes these differences are due to aberrations in your credit record that you might not even have known about. It could even turn out that there are discrepancies in your record that you need to clear up before re-applying, and the discovery of such errors will make quite the beneficial difference to your finances over the long run. However, under any circumstances, you should never assume that the rate you were first quoted before applying will be the same one that you are offered after the consolidation process has been completed. When the differences appear, you must make sure to ask your lender the reasons behind them, and, if you have done the smart thing and applied with multiple lenders to get a comparison rate, you should see what the other companies are now offering.

Also, while much of the specific jargon may beyond the ready capacity of the average borrower, much of the analysis can be done by the consumer him or herself. Any reasonable creditor should offer in good faith the entire cost of your ultimate financial burden, but, as seemingly with everything involving the consolidation process, one cannot always depend upon the supposed debt professionals. Nevertheless, once you have the basic information, you should be able to estimate the total with the assistance of one of the debt calculators available from any number of web sites. These calculators found on the internet allow a comparison of prices with the debts you hold at present and with what a company may charge for debt consolidation, but we strenuously urge borrowers to avoid those debt calculators found upon web-sites attached to creditors. When a lender's involved, the numbers somehow tend to be a bit skewed; oddly enough, the creditors' calculators often estimate suspiciously low for their own offerings while their competitors' numbers range higher than average. This isn't always true, of course, but make sure that you're able to enter the interest rates and associated charges manually. From there, you should be able to just multiply the monthly payment times the length of the loan plus whatever costs (traditionally called points) incurred from the lender, and that'll be roughly approximate.

Honestly, regardless of the good faith estimate, it's a good idea for borrowers to give this sort of thing a try. Even for the most trustworthy loan officers, mistakes are made, and debtors should not leave anything to chance.

This does deserve to be underlined. No matter how generously your friends and family have recommended a specific consolidation firm, you should always keep in mind the importance of investigating every debt management company before first meeting with them. The Better Business Bureau keeps records of customer complaints for a number of years, and it is always a good idea to check with your community's Chamber Of Commerce to see if they have anything to say about the company in question. Also, be sure to discover if they are part of any larger group or maintain any professional affiliations. Many of the more legitimate debt consolidation service - debt settlement negotiation counselors, in particular - have a certification process, and you should make sure that the industry's national board has some awareness of the company in question. As well, the Federal Trade Commission and similar governmental authorities are funded by your tax dollars to vouchsafe the consumer's welfare in such matters, and, while they are not always up to the task (just because they have not heard anything bad about the consolidation firm shouldn't mean that the firm itself is beyond dispute), it's never a bad idea to check. More importantly, you should understand your responsibility as a citizen to inform the Federal Trade Commission and Better Business Bureau and all such bodies about any malfeasance or incompetence or outright fraud suspected through the consolidation process to better protect other borrowers from unsavory business practices.

Even the best of companies will still unknowingly hire loan officers and counselors and other debt specialist that think nothing of unfurling predatory schemes hardly in the borrowers' best interests to turn a quick buck, and, while they will inevitably be discovered and dismissed from a profession whose lifeblood is word of mouth, a bad sort inevitably sneaks and lies their way into otherwise trustworthy firms. Check and double check every word of every line of the consolidation documents - even, if financially possible, have them analyzed by a neutral professional - before ever signing papers for your loan. Never stop looking for the best possible deal. Sometimes lenders will offer you fairy tale rates in order to gain your trust and then add additional fees and elevated interest to the final contract without telling you about them. Your only source for the deal you are going to get is the contract that is waiting for you sign. Whatever you have been told, your only real offer is the offer that's set down on paper, waiting for your signature. Despite whatever your initial gut feeling may have been, the only thing that you should trust is the document that they put in front of you. As they say, a verbal contract is not worth the paper it is printed on, and promises and best case scenarios offered to land the client's business should not even be considered in bad faith. This is the nature of debt consolidation and any sort of competitive financing. No matter how much you want to believe that a person's word is their bond, in the legal world the only reality comes from the documents that are written down on a piece of paper. More to the point, no matter the relationship you may have developed with the debt consolidation professional, if there's anything on the contract that's different from what you expected, you shouldn't hesitate to re-open negotiations and work out the best deal for you and your family.

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Need a guide to surviving debt that shows you how to eliminate debt and get out of debt quickly? Then follow this simple guide to surviving debt and you’ll be on your way in no time at all. If you’re reading any kind of guide to surviving debt or if you’re working on any type of debt settlement plan, a question you should ask at the very beginning is how your next actions will affect you credit score.

What Will Reflect Negatively On My Credit Score?

Any good guide to surviving debt will tell you that whether its debt settlement or any other approach to resolving debt, anything that does not end up with you paying your creditors the agreed full amount in an agreed time will affect your credit score. That’s the truth about debt settlement and what you’ll find in any guide to surviving debt you read.

None the less, the guide to surviving debt strategy you're learning about here provides the real truth about debt settlement. It's way more complicated than most people think. The best guide to surviving debt you could possibly read (or at least the good ones) will suggest that you should analyze the reality of your individual situation before you commit to anything.

Knowing truth about debt settlement is necessary if you’re seriously considering forming a guide to surviving debt or a debt settlement plan as a viable option for your debt situation. Without the knowledge you’ll bury yourself deeper by the day. Have We Met Before? Although you and I don't know each other, if you’re thinking about a debt settlement plan it's highly likely you’re considering debt settlement for one of the following reasons.

In other words, you’re one of the many hundreds of thousands of individuals who are already facing potential credit score problems. Take action, form a plan and let your debt survival guide take you to financial freedom. Debt Settlement Planning - Be Careful How You Tread Debt settlement plans work and they don't work. The very bad news is that the issues mentioned above and other related issues can have an effect on your credit score in exactly the same way joining a debt settlement plan can. Infact, they could even be worse.

The only true benefit of a debt settlement plan (if you can call it that) is that you’re making positive progress toward eliminating your debt. You’re doing something and this in itself is a positive step towards success, but you’ll be the judge when you discover the truth about debt settlement.

Truth About Debt Settlement and Prioritization In any debt situation you've got to prioritize. Fail to do that and you're under...you'll sink. However, you face a bigger problem that needs to be solved (and you can do it with the right information).

Here's the dilemma you face. What's better?

I know…it’s a tough decision isn't it? The general consensus in nearly every guide to surviving debt guide to surviving debt is that things can get even worse, if you’re already having financial problems and difficulties. The odds are pretty high that your credit score is going to take a bashing no matter what you do and that's why you should seek out the best advice from a guide to surviving debt as soon as possible. The Important Thing to Tet Clear About Is What Your Main Goal Is...

When drawing up your personal guide to surviving debt guide to surviving debt that is tailored for you and your unique situation, the most important goal should be to quickly reduce your debt and begin to manage your financial situation more effectively as you become debt free. Realize that there will most likely be consequences as you implement your guide to surviving debt guide to surviving debt. Along the way, you'll come across solutions and options that you really don't like, however, that are necessary so that your guide to surviving debt guide to surviving debt works for you to get you to your final goal of eliminating debt quickly and easily and being debt free.

Your Guide to Surviving Debt Should Have A Vision of The Future...Your Future Imagine for a minute that after three or six months after you've been following your guide to surviving debt guide to surviving debt you're totally debt free, however as a direct result your credit score is significantly lower than what you would like it to be - At that time, you'll have the financial independence to start rebuilding your credit score, which can take anything from six months to a whole year in most simple cases.

My point is this. Your guide to surviving debt should allow you to stop worrying about the secondary issues and focus on the most important ones. If it doesn't do that then it's probably not going to help you.

Download a free report on How to Eliminate Debt Fast from http://www.theultimatedebtguide.com/free-report.html - If you're in debt, The Ultimate Debt Guide will reveal to you creative debt solutions you probably didn't know existed. 'Bayo Akinola-Odusola is a business and personal development specialist and Founder of The Ultimate Debt Guide resource site. You can contact him at http://www.theultimatedebtguide.com

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A mortgage debt consolidation loan may be a solution to your high interest debts. Credit Card debt is most likely what borrowers will choose to consolidate first since interest rates and monthly payments are so high. By performing a cash-out refinance of a first or second mortgage you can consolidate your non-mortgage debt, mortgage debt, or both. Mortgage debt includes first mortgages and second mortgages such as a home equity line of credit or home equity loans. Non-mortgage debt would be credit cards, medical bills, student loans, auto loans, other consolidation loans, and personal loans. A cash-out refinance is a typical mortgage refinance method that can reduce your monthly payments, change your rate from variable to fixed, or change the term of your loan.

You have at least four popular techniques to consider when creating a mortgage debt consolidation loan. You can consolidate non-mortgage debt in a first mortgage. You may consolidate a second mortgage into a first. Another option is to consolidate non-mortgage debt and a second mortgage into your first. And finally you may wish to consolidate non-mortgage debt in a second mortgage.

Defaulting on your mortgages can lead to foreclosure and losing your home. A mortgage debt consolidation loan is not without its pitfalls. A borrower needs to be aware of all of their options when dealing with debt.

Consolidate Your Credit Card Debt

One popular debt to consolidate with a mortgage debt consolidation loan are credit cards. Over the past few years many people took advantage of easy access to credit cards with low introductory APRs or no interest balance transfers. After the introductory period the interest rates often jump into double digits. After running up a high outstanding balance the higher interest rates make credit card debt hard to carry.

Important Terminology

A cash-out refinance can reduce your monthly payments, change your rate from variable to fixed, or change the term of your loan. Typically with a cash-out refinance mortgage debt consolidation loan you refinance your existing mortgage with a larger loan using the equity in your home and keep the cash difference. This cash can then be used to payoff non mortgage debt such as credit cards, medical bills, student loans, auto loans, other consolidation loans, and personal loans. Now you will only need to repay one loan and to a single lender.

A second mortgage is a loan taken after your first mortgage. Types of second mortgages include a Home Equity Line of Credit (HELOC) and a home equity loan. A HELOC is attractive because it is a line of credit that you can tap into repeatedly. For some a home equity loan is a better choice because it usually offers a fixed interest rate.

Four Types of Loans

The simplest way for a homeowner to consolidate their debts is to consolidate all non-mortgage debt in a first mortgage. You perform a cash-out refinance and consolidate all of your non-mortgage debt. You leave your second mortgage as is if you have one or better yet you won't need to take one out.

If you have an existing second mortgage you can consolidate it into your first. In this case you do a cash-out refinance on your first mortgage to consolidate your second. This is not desirable if you want to consolidate a substantial amount of non-mortgage debt. It is worth mentioning to show you a more complete picture of your options.

A great way to go is to consolidate non-mortgage debt and second mortgage in your first. This way you can consolidate both your second mortgage and all of your existing non-mortgage debt through a cash-out refinancing of your first. This is most desirable because you can have a single payment and a single lender for all of your debt.

One additional method is to consolidate all of your non-mortgage debt with a second mortgage. A second mortgage is a loan taken after your first mortgage. Types of second mortgages include a Home Equity Line of Credit (HELOC) or a home equity loan with a fixed interest rate. This allows you to consolidate your existing non-mortgage debt by doing a cash-out refinance of your second mortgage only, leaving your first mortgage alone.

Loan Considerations

Typically credit card debt, student loans, medical bills, and others are considered unsecured debt. First and second mortgages are secured debt. Secured debt often grants a creditor rights to specified property. Unsecured debt is the opposite of secured debt and is is not connected to any specific piece of property. It is very tempting to consolidate unsecured debt such as credit cards using a mortgage debt consolidation loan, but the result is that the debt is now secured against your home. Your monthly payments may be lower, but the due to the longer term of the loan the total amount paid could be significantly higher.

For some people debt settlements or even debt counseling is a better solution to their debt problems. A mortgage debt consolidation loan may only treat the symptoms and not ever cure the disease of financial problems. Rather than convert your unsecured debt to secured it might be better to work out a settlement or a payment plan with your creditors. Often a debt counselor or advisor who is an expert in what your options are can be your best solution.

Just One Option

You have many options for a mortgage debt consolidation loan. Educating yourself is well worth it when considering your next steps. Review the four techniques mentioned above and decide if any are best for you. Also consider contacting your non-mortgage debt creditors directly to work out a payment plan or a debt settlement if necessary. Sometimes before committing to any action you should meet with a debt advisor to learn more about credit counseling.

Author Source : EzineArticles    google.com

Paying for health care insurance can consume a large sole of an individual or family disposable income. Some sustenance are non negotiable but fool are ways to lower the amount you spend on insuring say nothing health.

There are a lot of low cost health plans and if you are looking to buy health insurance online, there are dozens of companies available at the click of a button. Affordable insurance options are everywhere and you should not wait fore you work over a family to support to read thoroughly the options available to you.

You may be able to pay a lower premium by paying a most deductible insurance plans. Notable is particularly true if you are insured as an individual rather than through your employer. If you choose any insurance plan it is wise to starting post a portion of the money uncommunicative on your premium into a revolving charge account which is used apart to pay your deductible.

Ignorant shape insurance is not a myth. Although scarcely any of the more inexpensive types of guarantee have information strictly speaking you should be aware of online health insurance. So if you are looking to buy health policy, you should be versant of a garden variety of factors.

Affordable health budget options are out there, most likely conservatives often have to be debunked. Large insurance strong willed are not naturally the enemy, but it be obliged be expressed that their premiums are often out of near for many rich families, who need to pay more attention to the lineages of insurances that allow certain individuals children, the elderly to pay less for summit welfare states. Do not nurse back when you have what is called an existing condition days beyond recall profligate insurance companies sympathy not make strides you in these quagmires. Notable dernier resort was contemplated to step up individuals and families find cheap insurance online, because low cost plans options remarkably exist.

Protecting family is priceless. It is advised to plan out what really required and the best solutions for insurance protection. Gathering as many quotes as possible is the impulsive way to learn and compare companies.

With more choices in health plans than ever before, the task of choosing a health plan is becoming ever more complicated. The best health plan for yourself, your family or your employees will depend on your specific needs, financial situation and availability of services in your geographical location.

Health insurance plans differ significantly in monthly premiums and the availability of participating physicians in your area. There are no health plans that will cover hundred percent of all your medical expenses, but some paying a much higher percentage than others.
Author Source : Free Articles
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Growing waistlines equal growing healthcare costs. At least that's how it seems regarding health and health insurance. A famous documentary has already shown the short-term impact of too many super-sized meals. But did you know that there's another price you're paying now - in health insurance dollars - for our nation's weight problem?

Health insurance rates have been rising, with double-digit increases in each of the past three years. Most analysts blame these rising costs on an increased use of medical services. Are we just a nation of hypochondriacs? Why are we visiting doctor's offices in droves? As many experts are pointing out, part of the answer may be obesity.

More than 60 percent of Americans presently qualify as overweight or obese. Even among children, obesity rates have tripled over the past decade. Obesity is known to considerably raise your risk of orthopedic problems, heart disease, diabetes, stroke, certain types of cancer, and respiratory problems. The Surgeon General's office estimates that obesity costs the economy more than $100 billion a year.

Insurance companies understand that obesity is costly. If you're an obese person trying to get health coverage, you may be turned down due to the risks associated with your weight. If you're not turned down, you'll probably pay more for coverage, up to twice as much as a slimmer person. And even though you can't be turned down for employer-sponsored health insurance based on obesity, the increased cost of insuring you becomes a financial burden not only for you, but also for your coworkers.

Now this doesn't mean that skinny people should blame heavier people for the annual insurance rate hikes that everyone dreads. There are other factors involved, like the increased use of prescription drugs and costly new medical technologies. But if the majority of Americans is obese and it's substantially more expensive to insure an obese person, you can begin to see how big a role an expanding waistline may play in expanding health insurance costs.

So, what can we all do about this waistline epidemic? In the United States alone, obesity is expected to overtake smoking as the number-one cause of preventable death. Through a combination of government action and an aggressive public persuasion campaign, smoking is on the decline. These tactics can also be used in the battle on obesity.

Or perhaps we need to make the connection between obesity and health insurance costs more apparent to encourage our government and public health organizations to help in the battle of the bulge. Maybe that will encourage health insurance companies to expand coverage for weight-loss programs and procedures. Most importantly, perhaps if we feel the impact of obesity in our pocketbooks, we'll take our health more seriously.

If you've never considered the ramifications of what you eat, maybe you should. It may not seem like it will affect your health now, but it certainly will in the long run. And as you'll discover, what affects your health also will eventually affect your bank account.

Source: Free Articles  

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What is Home Equity?
Purchasing a home is a huge life event. It's an investment that, over time, could yield a significant increase in value. As the years progress, the value of your home could increase. If and when the time comes to sell, hopefully you'll find that you can get more money for your home than what you originally paid for it; yielding you a profit.

But the resale value, or even the appraised value before a sale, of your home is not the only value your home contains. When you purchase a home and make payments on your home mortgage, you start building what is called home equity. Home equity is the difference between the current value of a home and the amount still owed on the mortgage. As the principal of the mortgage amount decreases as a result of monthly mortgage payments, the home equity increases – even if the home doesn't increase in value. So, you can build home equity from an increase in the potential sale price of a home and from paying down the mortgage debt that you owe on your home.

What is the Value of Home Equity?
Home equity is money in the bank. Homeowners can borrow against their home's equity to pay for home repairs and renovations, school tuition, costly medical expenses, and even pay off debt. Your home provides you with financial opportunities not many lenders can provide. Home equity is a significant advantage to purchasing a home and a great financial resource to have. You never know what life will throw at you. It's always good to have a "nest egg" of readily available built up capital to turn to if you're faced with a financial crisis.

How do I use My Home Equity?
If you want to use your home's equity for home repairs, college tuition, etc. , you first need to get a home equity loan. A home equity loan is a loan based on your home equity. There are two types of home equity loans:

1. 1) A second mortgage (a.k.a. traditional home equity loan); and
2. 2) A home equity line of credit loan.

A second mortgage is a loan where the lender lends you a lump sum, based on your home's equity, and interest starts accumulating once the loan is issued. A home equity line of credit loan, however, is a loan where the lender presents you with a credit card or checkbook that you can use to make purchases. Just like a second mortgage, the amount you can spend is based on your home's equity. But unlike a second mortgage, interest on a home equity line of credit loan doesn't start accumulating until you make your first purchase with the card/checkbook.

Both home equity loan types are feasible means to utilizing your home's equity.

Which type of loan you choose is up to you and your specific financial needs. Both loan types are primarily low interest loans and, for most home equity loans, the interest you pay is tax deductible.

However, it is important to know that when you take out a home equity loan, it means the lender can reposes your home if you default on your payments. In other words, if you don't pay your home equity loan in full or default on too many payments, the bank or lender can take away your home and use its current value to pay for what's owed. So it's crucial that you maintain your loan payments. A home equity loan is a great financial resource, but if you don't pay it back, it could end up costing you your home.

Purchasing a home is a venture worth taking. The appreciation of your home's value and the equity you can build make your home a profitable investment that can't easily be matched.
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If you're thinking about buying or selling a home, a good place to start your search is on your home computer.

A recent study by the California Association of Realtors (C.A.R.) finds that Internet homebuyers are twice as satisfied with the home buying experience than traditional buyers.

The C.A.R., which conducted the landmark study entitled "Internet vs. Traditional Buyers" in fourth quarter 2000, found that Internet home buyers typically find their Realtors online, while traditional buyers usually find a Realtor through happenstance - the Realtor 'farms' their neighborhood or they call to get information on a "For Sale" sign.

According to the study, traditional homebuyers looked at 15.1 homes with a Realtor before making a purchase, while Internet home buyers looked at only 7.9 homes with a Realtor prior to buying.

The reason, says Gary Thomas, C.A.R. president, is that Internet buyers spend more time doing their "homework" on the Internet. Internet buyers spent 6.3 weeks researching the real estate market vs. traditional buyers who spent just 2.2 weeks prior to contacting a Realtor.

"By the time Internet buyers contact a Realtor, they have a good understanding of what they want -they know where they want to live. They've investigated neighborhoods and they know how much they can afford and what their mortgage options are," Thomas said. The C.A.R. study found that, overall, Internet homebuyers are "completely satisfied" with the home buying process (96%) vs. traditional home buyers (44%).

Internet homebuyers are also more "completely satisfied" with their Realtors (73%) than traditional buyers (34%). Internet buyers typically purchased a more expensive home ($403,752) than did traditional buyers ($321,950). And, not surprisingly, Internet buyers achieved a higher level of education than traditional buyers. Internet buyers contacted an average 4.6 Web sites (excluding mortgage Web sites) as part of their home-buying process.

The most popular real estate portals are Realtor.com and HomeAdvisor.com. These sites provide valuable information on the home buying and selling process, along with all the homes listed on the national Multiple Listing Service (MLS). Internet buyers can view homes in any community they wish online, 24 hours a day. They can remain anonymous and not feel pressured by a real estate agent. But if they want a home's address, that's another matter. That's the main drawback to the national sites: addresses of homes in San Diego (or elsewhere) are not provided. The Internet homebuyer will have to contact a real estate agent to obtain them.

One real estate portal that does provide addresses of all San Diego County homes on the MLS is www.HouseRebate.com. In addition, the site provides information on the home buying and selling process as well as discounts to homebuyers and sellers in the form of cash rebates.

Homebuyers can also find additional listings that aren't on the MLS by perusing large national sites such as Century21.com, ColdwellBanker.com and Prudential.com. These sites show their own listings including addresses, but not other broker's addresses. Through the power of the Internet, the knowledge base has switched to the consumer, and with that knowledge comes power: the power to demand discounts on real estate commissions. Previously, this knowledge base was only available to licensed Realtors. Now, homebuyers can expect to be rewarded for their online time spent researching potential properties. At the HouseRebate.com site, for example, buyers simply register and then they can view addresses of every home, condominium and residential income property in the San Diego area on their computer screen. They'll see all the specs previously available only to licensed Realtors, along with photos and asking prices. Homebuyers can specify the city, Zip code, price range, number of bedrooms and baths, size of garage, square footage of house and square footage of lot. They can also check off as many options as they would like such as pool, den, bonus room or storage. After the buyer submits a request, they can view a list of homes online with complete information, including photographs, that meet their criteria. They'll also receive daily automatic e-mail notification of new listings that meet their criteria. They can drive by and inspect from the street any property without the pesky presence of a Realtor. Homebuyers will probably get a call from one of the site's Realtors, but they can easily tell them, "don't call us, we'll call you" when and if they're ready. And, regardless of what online site they use, homebuyers can choose any real estate firm to continue their transaction, including traditional brick-and-mortar firms.

A big advantage of online discount brokerage firms is that buyers can now obtain rebates up to 1.5% of the purchase price of their home. Traditional Realtors generally do not offer rebates to the buyers. For sellers, discount brokerage firms offer to list homes for up to 4.5% vs. the traditional 6% commission. With the average home price in San Diego County now over $400,000, such discounts are worth considering. The 1.5% savings amounts to $6,000 for a $400,000 home and $9,000 for a $600,000 home.

Another San Diego-based real estate site provides an opportunity for "FSBO" (For Sale by Owner) sellers to list their property on the MLS. www.EfreeMLS.com will list any property on the MLS for a flat fee of $299 vs. 3%, which is one-half of the traditional Realtor fee. EfreeMLS rebates the $299 to the seller if they then buy a property through their service. For homeowners not looking to buy or sell, but who just want a good reading on the value of their home, the HouseRebate.com site is an excellent resource for sales comps: just enter your Zip code and the last 100 sales for that Zip appear.

Online real estate portals also offer lots of educational links for homebuyers, including information on community schools, a glossary of real estate terminology in layman's terms, and tips on preparing your home for sale. Many have links to mortgage lenders, moving companies, and furniture stores.

And, armed with this information, you can walk into a brick-and-mortar real estate firm and ask about discounts, as well. Coldwell Banker is even getting into the discount brokerage business with Blue Edge Realty. Currently the company is testing the model on the East Coast and it is not currently available in San Diego County.
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There happens to be a lot of different things that people do no understand when it comes to getting yourself a new vehicle whether it is through leasing it or buying it, it still requires some information to know how it really does work. The thing that you should keep in mind the most is that a car dealership does not typically finance a car lease or a loan but in turn they will most definitely have some sort of impact on how much you will end up paying on your car financing.

One good thing to keep in mind is that a car dealership will always sell you a vehicle for cash in hand. These people are third party businesses that have purchased a franchise from one or multiple different car makers in order to sell the vehicles. They do not work for these car makers and always work for themselves. It is important to realize that the dealers buy these cars themselves usually through the use of a very large loan through a bank or another type of financial institution and as a result they are also charged rates of interest on these car loans. They then need to sell the cars off in order to pay off their initial loans as well as all of the other associated costs that come with running a car dealership.

Dealers will always get cash for a vehicle that they sell to someone, it could either come from the consumer himself, or some other financial institution that has loaned out the finances to a consumer in order to purchase the vehicle of their choice through an auto loan. People are usually under the misconception that they will be able to get a discount or a better deal if they pay for a vehicle in cash but this is not the case because they in fact will make more from raised interest rates and commissions if you go about financing the vehicle itself.

When a car dealership sells a vehicle to a consumer he will usually push onto them the typical bank or financial institution that they have working with them in order to get their financing settled. A lot of these dealerships will use some of the more well known and major financial institutions that have special deals with the car makers if you do not already have one and you would be paying an additional premium for that luxury. As a consumer however, you have the ability to bring on your own auto financing company if you would like to. The point of stating this is to make it perfectly clear to you that a car dealership does not finance a loan to a consumer at all. They will not process the loans or even take payments on the loans themselves, all they will do is take the application papers that you fill out and will try to arrange some sort of financing with companies that they usually work with for a small fee.

Now a dealer could go about checking your credit history, but this is not for the purposes of getting you the consumer a car or vehicle loan, but is done in order to figure out quickly whether or not the consumer would even be capable of getting a vehicle or if they have any serious credit issues that are currently outstanding. The dealer is not the financial institution and is unable to approve you the consumer for a loan. The financial institution that the dealership forwards your filled out application to will do their own set of credit history checks as well as check out your past payment history and your overall debt to income ratio. This check is a lot more well done then what a dealer could possibly do so if you happen to have a dealer check out your credit and tell you that you are alright, they really may not have any idea at all so keep this in mind as well.

When the financial institution is done checking out your credit worthiness you will be classified in one of three types which are prime, near prime, and sub prime. Prime means that you have a great credit profile and have a higher score usually above six hundred and eighty, as a result of this you will be offered the best possible interest rates on your loan. Near prime usually will fall around the six hundred and twenty to the six hundred eighty mark and will usually mean that you could pay as much as four or so percent more then someone that has a prime score. If you happen to be below that and are considered to be sub prime then you are going to have some issues with finding a lending institution that will be willing to give you a auto loan and when you do end up finding a good one the rate of interest you will be paying is going to be very high.

You should also be aware that a car dealership has the ability to change the rate of interest that you would be paying on your car loan. One of the types of hidden fees that some shady car dealerships will try to include to consumers when they purchase or lease a vehicle is to mark it up so that your interest rate is increased regardless of your good credit score. This sort of markup can go up as much as two percent on your overall rate of interest and this particular markup of your interest rate will never be mentioned on any document that you would ever be signing. The car dealership will say that this increase can be considered justifiable because it helps them cover the cost of getting the consumer the financing they need but it is just additional profit or is used to make up for something they may have given to you somewhere else in the car deal. The most a car dealership is legally allowed to mark up your interest rate is by two and a half percent.

Something that a lot of people will ask when they go about getting a new car or vehicle is whether or not they are able to negotiate for their own rate of interest. In a lot of these situations you will not be able to negotiate the base rate of interest that a lending institution gives to you but you will be able to try and haggle down the markup that a car dealership tries to give to you. You should know that though some car dealerships practice this shady act not all of them take part in it. You should also realize that the better credit profile that you have the better rate of interest you will receive over all from the financial institution. So knowing what your credit profile looks like and shopping around on the internet is of the best things you can do for yourself before even ever walking into a car dealership.

Even if a car dealership does check your credit it really does not matter and this is a mistake that most people think occurs. Just because they said it looks good on their end it does not mean it is a done deal for you. When a consumer buys or leases a new vehicle with a car finance they will usually sign papers that state that they agree to purchase the vehicle using funds that are provided to them through a financing company and if they are not approved by the company the deal itself is considered nulled and voided unless they are able to secure another way of financing. Once this is done the car dealership is in no way again involved in the monthly repayment of the loan itself and is no longer responsible for it.

If you happen to have poor credit and come across problems trying to get approved for a vehicle because of your past payment history or debt to income ratio there are still a couple of things that you can do in order to get yourself that car of your dreams. Often times a co signer will allow you to get a vehicle without much of a problem. Other times a financial institution will ask for a large down payment to off set the high amount of risk that you have shown to them through your credit history. This will usually allow you to keep the same monthly payments while having the overall cost of the vehicle to go up. Even if a dealer lets you drive away with the car if the bank or financial company comes back to them denying the loan application the vehicle still will legally belong to them and they will require you to return it regardless of anything that you could have signed originally.

So when it comes down to it you should always know what your personal credit profile and score is before even walking into a car dealership just to make sure that you will not be startled when something goes down later on. The next thing you should do is to shop around for a good car finance that is flexible for all situations online before going into a car dealership so that you are prepared with money in hand in order to make sure that the car you are buying is yours and not the dealers. There are many different places to do this online and getting multiple quotes from different companies will allow you to find the best possible deal regardless of your credit history and situation.

If you have credit problems, repossession, bankruptcy, slow pays or are a first time buyer and in need of Car Lenders in USA. The car finance company offers the opportunity to buy a car on credit when you have been refused credit in the past. So, whatever the reasons - bad credit or no credit or bankruptcy, CarLoan123.net - there is a good chance we can help you!

It's FAST, FREE and Pre-Approved car credit program will try to secure the best auto loan available for you depending upon your current situation. Regardless of your credit history, our network of thousands of bad credit car lenders can help.

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Handle your tips carefully

You should report your tips accurately to your employer and also on your tax return. Remember, tips are received by people working in various industries. So if you don't work for a restaurant, do not assume that you can avoid reporting tips. Cab drivers, club attendants, hairdressers -all of them or people working in the similar professions must report tip income to IRS.

You should keep daily record of tips in a tip diary. You should use Form 4070 to report such tips to your employer. Tips include -which you get from the customers' order from other employees and tips from credit card charge customers that your employer pays to you. You should also report the non-cash tips you get in the form of tickets, passes or other items. The amount of tips which you paid to other employees through the tip pools should also be reported with the name of the employees to whom you paid them.

You should not include in your tip diary the amount of service charge that your employer adds to the bill of his customers and then pays you as part of your wages.

The reporting of tips to your employer is very important because your employer can withhold Federal income tax and social security as well as Medicare taxes on that amount.

If your total tips for any one month from one job are less than $20, you need not report them to your employer. You need not report the value of non-cash tips to your employer. This is because you do not pay social security or Medicare taxes on them.

If there is no other way to report your tips to your employer, then you should use form 4070 employees report of tips to employer. You can fill in the necessary information on that form, sign and date that form and give it to your employer. Alternatively you can hand over a statement to your employer with your name, address, social security number, the month in which you received tips, and the total tips required to be reported for that period. You can also send this statement electronically to your employer. The report should be sent to your employer every month by the 10th of the next month. If your employment ends during the month, then you can report your tips when your employment ends.

There is a penalty for non-reporting tips. The penalty maybe equal to 50 per cent of the social security and Medicare taxes you owe on the under-reported tips.

If your regular pay is not enough for your employer to withhold all the taxes, then you can give money to your employer to take care of the rest of the taxes. All taxes which are for the month can be collected by your employer from your next paycheck. If some taxes remain uncollected at the end of the year, you may be subject to a penalty for the underpayment of estimated taxes.

Reporting tips on your tax return

You can report your tips with your wages in forms 1040EZ or Form 1040A or form 1040. If you receive tips as a self employed person, you should report them as your income on schedule C or C-EZ.

Your employer can allocate tips to you in addition to the tips you reported to him, if you worked in a restaurant that must allocate tips to employees or the tips your reported to your employer were less than your share of 8% of food and drink sales. You must report these allocated tips on your tax return. Your employer can use a tip rate lower than 8%, but not less than 2%, to your allocated tips only if IRS approves the lower rate.

Reporting correct tips as your income is good for your future because this figure can be used to determine how much money should be paid in your social security and Medicare accounts. This will be very convenient for collecting these benefits on your retirement or if you are disabled.

Chintamani Abhyankar is internet marketer, tax professional and freelance writer. He has done a lot of research on tax systems and is advising people internationally on various aspects of tax planning over last 25 years.

His masterpiece, Stop donating your money to IRS is an e-book on the tax secrets which only lucky people knew in the past. His easy to implement strategies can put thousands of dollars in your pocket. Grab a copy now!
Article Source: EzineArticles.com
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If you are a student, then there will definitely be times when you feel the need for some money saving tips. It could be because you need to get something nice for yourself but you have used up all your allowance for that week or month. If you are an older student, you might try to balance your studies, extracurricular activities with a part-time job to earn more money but you might find that it is still not enough. This is when you need someone to give you some money saving tips so that you can accumulate some wealth.

It is vital that you do not view learning about money saving tips as something unimportant until the day when you need cash urgently. When that happens, it will be too late to carry out any advice of money saving tips that you might have learnt, so do start now. Below are 5 simple to carry out money saving tips that you can apply in your daily life. You might just find yourself to be a wealthy student soon.

1. Plan beforehand

This step should be applied in everything that you do, especially if you are a college student. This is one of the money saving tips that can prevent you from overspending even before you move into your dorm.

Do a detail check on whether you qualify for any scholarships or special student grants before you put your signature to that student loan form.

Next, map out your cash flow chart. Consider where the source of your 'income' is. Apart from getting money from your parents, student loans, can you get yourself a part-time job to substantiate your monthly 'income'?

Since planning is the first step of your money saving tips, you should now set aside your budget for your fix monthly expenditure. Allocate your money for your food, books, etc and make sure you stick to your plan! Self-discipline is very important here. You might learn all the money saving tips in the world but if you do not stick to them, you will not succeed.

It is also very important that you set aside a sum of money for emergency purposes. As such, it is vital that you stick to the money saving tips that you have learnt to use. You want to have that sum in the bank when you need it most.

2. Save on expensive food

Having set aside a sum of money for your food means you have to find a cheaper way to get the food. This could be a point that you did not realize when you were still staying with your parents. However, now you should stop eating at fast food outlets as you will definitely find that you have exceeded your budget very soon. Try bringing your own lunch to school instead. It is more nutritious and less expensive. This is another of the numerous money saving tips that you can apply to accumulate more wealth.

3. Take full advantage of student discounts

Check out the outlets that offer special student discounts when you display your student ID. One of the money saving tips tells you to find ways to spend less money for the same quality products, i.e. looking for discounts!

Alternatively, you might want to patronize a certain establishment regularly and before long, you are bound to get bonus cards for being a loyal customer. Ask them for one if they did not offer after a few weeks of constant patronize.

4. Pay with cash only

Any money saving tips guide will tell you to stop using credit cards, debit cards and checks. This is an essential point because you do not wan to overspend. So, always pay with cash only, unless in emergencies. This will also help you to track your cash flow more easily.

5. Stay occupied

Avoid idling as this will lead you to spend money on snacks, game rentals or movie tickets. Keep yourself occupied so that you will not give in to your own temptations of spending on stuff not on your budget list. Stick to the budgeting that you have learnt in saving money tips. One way is to join clubs at school. Find anything that might interest you and take part in their activities. In this way, you will not get bored.

Follow through with the steps listed in the above money saving tips and you will be pleasantly surprised at the amount of money accumulated at the end of a year. Since you do not really need the luxury items, stick to your set budget plan and you will have money in the bank for an emergency. So who says students are not capable of accumulating wealth by applying some money saving tips?

"Stella Mak is a qualified school teacher with over 18 years of teaching experience and a mother of a pair of twins, so she is very experience in handling children. Did you find the above information useful? You can learn a lot more about parenting children as well as receive FREE ecourse and special report on parenting at childrenproblemshelpdesk.com"
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Probably one of the most controversial areas of tax law for small business and the self employed is correctly determining what a legitimate business expense is. You can avoid IRS tax problems with a few tax tips from a tax attorney or CPA to sort this out.

There are two general categories of deductible expenses:
• Business expenses – the ones you write off immediately
• Capital expenditures – these are assets that you write off over a period of time. E.g. if you buy a new phone system for $5,000 you will need to write that off over a period of time unless there is a tax credit which will allow you to write it off all in one year.

Business Expenses

Deductible business expenses are those expenses incurred in the normal course of running your business:
• Rent of business premises
• Purchase of goods for resale
• Wages and salaries to employees
• Telephone & internet
• Marketing & PR
• And so on

A business expense to be deductible must be both "ordinary" and "necessary”. An ordinary expense is one that is considered widespread and accepted in your line of work. A necessary expense is one that is helpful and suitable for your organization.

Capital Expenditures

These are assets that have a life of greater than a year and are over a set limit such as $500. You should set a limit so the bookkeeping is kept simple—otherwise you could spend a lot of time on “assets” such as staplers and other office or plant items that are not worth keeping track of. For items under $500 (or whatever limit you set) you write them off as a business expense in one year. Capital expenditures are depreciated over the life of the asset:
• Land is a capital expenditure but is not depreciated
• Buildings
• Equipment
• Computers and software
• Office furniture

Author:artilecity.com.