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Question by Willow22: How can I find debt consolidation thru the govt and not a for profit company?
I have heard bad things about debt consolidators. The gov’t has a program to help but I don’t know how to find them - any ideas?
Best answer:
Answer by Micheal B
never heard of it, but i think ill look into that myself.
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Question by yeah!!!: Is a secured credit card a good way to establish credit?
I have no credit history cause i’ve never had a credit card or borrowed money or anything and I want to establish credit now. well I applied for a credit card that required a deposit..secured credit card will that help boost my credit and how high will my score go once i start establishing credit?
Best answer:
Answer by mikedrazenhero
those are usually scams
if they want $ 79 to sign you up for a 300 credit card
then wants $ 50 a year service fee, it’s scam
beccause they do not even report to the credit monitoring agency, they’re just loan sharks, pretending to be credit card company
you need to go to library and read a book on credit
or buy one on amazon
the first thing you need to do, is open bank accounts, and apply for visa, master, discover, you will be declined, and after 1 year they will send you lots and lots of new credit card offers, and they will approve you
but you can only apply for 4 card per year
read the book, too much to explain here
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Question by Mr. Tell it Like it is: How does old cellphone debt work when resigning up with company?
For instance, if I owe $ 250 to a company like ATT, when signing up for a new contract, will 250 be the amount I owe as a deposit, or will it be the 250 for the debt, and then more for a deposit.
Best answer:
Answer by ez80227
the debt + the deposit as they don’t have any reason to suppose you wont do it again…
What do you think? Answer below!
Question by Jahmyl E: How much does closing a credit card actually affect your credit?
I have two credit cards. One is a CapitalOne card with a $ 750 credit limit. I was recently talked in to getting a new credit card with WellsFargo with a $ 1000 credit limit. I don’t feel safe having that amount anymore. I want to pay it all off and close it. I’ve had it for about a year. I’ve had the other one for about five years. Is that really bad for my credit score?
Best answer:
Answer by Archer2000
Both keeping open credit cards and closing credit card can be good and can be bad.
If you have $ 1750 worth of credit, but keep your balance near its maximum, then that is bad.
If you have too little credit, then you have no track record and THAT too is bad.
Just have some credit, use the card each month and keep your balance as low as possible to show that you are a competent payer.
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Question by frieda creamer: What to do when you run out of student loans?
I am on my last year of Grad school and I run out of student loans. I had the federal loans and a citi-assist loan but my school is telling me that I maxed out on the amount of loans I can get (the full cost of attendance). What can I do? I see there are private student loan option but some say maximum is total cost of attendance… this means I am ineligible? what are my options?
Best answer:
Answer by eulah
No, it means all you can get is the total cost of tuition & books. Call a few of those companies & ask. Also, since you’re in last year, ask mom, dad, aunt, whoever you can for a personal loan. Also, get a job. Waiting tables can be really good $ $ for minimum hours put in. Dinner or cocktail only. There’s no money in breakfast or lunch.
Try this site
http://free-college-information-usa.blogspot.com/
Free College information on financial aid for students, scholarship, student loans and more.
Know better? Leave your own answer in the comments!
Question by sam_24: What is the best way to get rid of the national debt?
The U.S. government is in debt over $ 65 trillion dollars! I don’t feel like the people in DC really care as much about it as they should; they feel okay about leaving it to the next generation. If the government could get out of debt think of how much extra money they would have for other things such as education, health care, any many other things that would benefit the people. It may be a pain to get out of debt right now but the sooner we can get out of debt the more money we’ll have in the future.
Best answer:
Answer by Marvin the Martian
The tradeoff is how to get out of debt. Collect more in taxes but pay for it in reduced economic growth. It’s not the absolute amount of the debt that matters it is how large it is in relationship to the ability of the government to make good on its obligations.
The debt is like 11 trillion, not 65 trillion. The rest, and I’ve read wildly varying figures, represent promises for social security, medicare, government guarantees, pensions, etc. They will walk out that by rewriting the rules of the game. You will retire older and with less money than you thought you would.
Inflation is another way the government will repudiate its debts. Nobody is more screwed by this debt than our creditors, they buy our t-bills because they feel they have no choice.
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Question by Virginia: Would working at a payroll company help me find a job in finance in the future?
I do a little accounting and everything else for this payroll company. Will I have a better chance at landing a job compared to working as a teller? Or is being a teller better?
I’m planning on applying for a finance position in May after I receive my degree in finance.
Thanks!
Best answer:
Answer by Justin M
Become a Stock Broker
What do you think? Answer below!
Question by Brice: I just took out my first mortgage on a home. How long do I have to wait before I can refi for a lower rate?
With the average mortgage rates dropping, I am wondering if there is a minimum amount of time you have to pay on your mortgage before you can refinance? 1 year?
Best answer:
Answer by Robin G
Now is not a good time. Your house will probably appraise for less than it’s worth. If you have noticed the housing market is doing poorly.
What do you think? Answer below!
Question by Shimko: How can I find out how many private student loans I have taken out?
It’s about that time for me to start paying back my loans! I’m not at home (michigan) where all of my info and records are- and frankly it might not all be in one spot.
I need to know if there is a number I can call to see how many private (ex: discover, or education one) student loans I have taken out in the past 4 years…
Any ideas? THANKS!
Best answer:
Answer by Suddenly Human
I would contact your schools fin aid office. They should have all that information.
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