Donate a Timeshare

Timeshare Donation is an easy, cost effective way to be rid of a Timeshare you no longer want without the hassle and expense of selling it. Features of Donating a Timeshare include: <!–more–><br><br>

  • No Cost to You
  • Fast and Easy Process
  • Get a big Tax Write-off
  • Save Money in Broker’s Fees
  • No More Maintenance fees, Taxes or Special Assessments

Timeshare Donation is the perfect solution for many would be sellers. Donors can get rid of their property in a matter of weeks at no cost to themselves while getting a tax write-off. By donating, timeshare owners capitalize on their profits while also assisting their favorite charitable organization. A win win situation! There are organizations that specialize in accepting Timeshare Donations and some will let you chose the charity you would like to receive your donation.

Tax Relief

Tax relief is the settlement of unpaid debt to the IRS and often involves the aid of a tax attorney or a person specially trained in tax law. Tax relief usually involves negotiation of partial payment of total debt if the debt is settled within a specified time limit. Tax relief offers many businesses and individuals an opportunity shed their heavy tax burden and get themselves back into good standing with the IRS or state tax authorities. Continue reading “Tax Relief”

Tax Help

If you are overwhelmed with unpaid income, payroll or state tax you may need professional tax help. There are numerous reputable organizations and experienced individuals who can help with negotiation of tax settlements and resolution of tax debt.

Student Loan Consolidation

One of the easiest way to reduce your student loan debt is to consolidate your student loans. Student Loan Consolidation results in lower debt and smaller payments because the average interest rate after consolidation is usually lower than was before consolidation. Consolidation allows you to combine all of your eligible variable interest rate federal loans into one new fixed-rate loan with an extended repayment term. Student Loan Consolidation can potentially lower your monthly payments by up to 58%. Continue reading “Student Loan Consolidation”

Stop Foreclosure

Stop Foreclosure! Most people don’t realize that with the right help, you can Stop Foreclosure ( the process by which a mortgaged property is taken over by the lending institution when the borrower defaults on the loan). The foreclosed property is usually then auctioned off, with the proceeds being applied to the unpaid portion of the loan. If you are more than a month behind in your mortgage payment your bank may have already started Foreclosure proceedings. Virtually any foreclosure situation can be successfully resolved. In order to Stop Foreclosure you must act fast. It is important to contact an attorney or organization with experience in resolving Foreclosure and who can help you bring a delinquent mortgage current. There are a number of loan restructuring and repayment plans available to almost all homeowners. No matter what your credit history may be, or how many late payments and penalties you have, you may be able to Stop Foreclosure and keep your home!

Sell Annuity

Selling an Annuity is a way to acquire a lump sum of cash in exchange for the smaller Annuity Payment installments you may be receiving. An annuity can come from many sources including life insurance and retirement. You may have purchased your Annuity as an investment, inherited it, or received it as a gift. Continue reading “Sell Annuity”

Real Estate Loans

Real Estate Loans or Mortgages are the loans available to purchase homes and property. There are many different types of Real Estates Loans for many different situations. Traditional Real Estate Loans require 20% to be put down by the purchaser but there are loans that require 15%, 5%, and even no down payment. Real Estate Loans have varying interest rates and payments schedules. Applying for a Real Estate Loan can be an easy process and having pre-approval can make purchasing the property much quicker. Real Estate Loans are given based on a person’s credit rating and financial standing. The standard formula is 25%-33% of your income would be expected for you to pay your monthly payment. The lending institution will give you a certain loan amount and rate based upon these factors.

Online Trading

Online Trading companies allow the customer to buy and sell stocks over the internet for a set fee as opposed to a commission. The popularity of Online Trading companies has sky rocketed in recent years due to their low cost and ability for individuals to handle their market investments personally. To maximize the benefits of Online Trading companies it is important to research the stock information and stay current on market trends. There are many different Online Trading companies and each charges different rates and offers different services. Market analysis and trend watching along with business news information are some of the additional services offered by various Online Trading companies. Be aware that some Online Trading companies handle your transactions in real time and some have a delay between your order and the actual transaction.

Mortgage Refinancing

Mortgage rates are currently the lowest they have been in several decades! Many home buyers are taking advantage of these rates to purchase properties. Home owners too are cashing in on low Mortgage rates by Refinancing their current properties. By lowering their mortgage rates to as low as 4%, home owners may save thousands of dollars over the term of the Mortgage. Mortgage Refinancing can allow a homeowner to pay off the original Mortgage several years early, to make lower Mortgage payments or simply to free up some cash to use for another purpose. Continue reading “Mortgage Refinancing”

Home Equity Line of Credit

A Home Equity Line of Credit is a special kind of loan (also known as a “revolving loan”) which is secured against a property and allows the owner to borrow and repay money at her leisure. Periodic payments of at least accumulated interest are required but the loan is fully open, may be paid out in whole or in part at any time and, if there is still money available under the loan ceiling, the borrower may take more money for her use. Continue reading “Home Equity Line of Credit”

Home Equity Loan

A home equity loan allows a homeowner to borrow money by leveraging the amount of money they have invested into owning their home(also called equity). A home equity loan can be used for a variety of purposes such as consolidation of debt, a child’s wedding or college tuition, home improvement, or medical bills and most home equity loans are tax dedeuctible! A home equity loan can be either in the form of a fixed rate mortgage or an adjustable rate mortgage and can be acquired in a lump sum or used as a revolving line of credit. Continue reading “Home Equity Loan”

FOREX Trading

Foreign Exchange Trading(FOREX) or Currency Trading is the simultaneous exchange of one country’s currency for that of another. Speculators in the FX market wish to purchase or sell one currency for another with the hope of making a profit when the value of the currencies changes in favor of the investor, whether from market news or events that take place in the world. The foreign exchange market is the largest financial market in the world, with the equivalent of over $1.5 trillion changing hands daily; more than three times the aggregate amount of the US Equity and Treasury markets combined. Unlike other financial markets, the Forex market has no physical location and no central exchange. It operates through a global network of banks, corporations and individuals trading one currency for another. The lack of a physical exchange enables the Forex market to operate on a 24-hour basis, moving its way through the time zones of all the world’s major financial centers.

Debt Management

Are your credit card balances keeping you up at night? Personal debt is a growing problem. Debt management is the key to paying off that debt.

Follow these steps to start the Debt Management process:

  • Call your credit card companies and ask about lowering your APR (annual percentage rate). If your credit is in good standing you can be aggressive about this. Let them know that you will take your business elsewhere if your request is not granted.
  • Pay off your highest interest accounts first.
  • Don’t miss payments! As long as you make some monthly payment, your accounts will stay out of collections and your credit will not be adversely affected.
  • Don’t continue to use your credit cards. Put them out of sight!

Finally and most importantly if you have substantial debt seek professional help!
Debt Management specialists are professionals with experience in helping individuals and families eliminate debt. Often Debt Management specialists can negotiate lower interest rates, lower minimum payments, and even lower balances without adversely affecting your credit.

The first step to better sleep is making the commitment to begin a Debt Management program whether you do it on your own or with the help of a Debt Management specialist.

Credit Card Offers

Credit Cards have become a near necessity in today’s society. They make it unnecessary to carry large amonts of cash and make purchasing, renting or placing a deposit simle and quick. Due to this fact the market place is flooded with Credit Card companies looking for potential customers. Credit Card companies send credit card offers to individuals through a myriad of channels, including mail, Internet and telephone offers. Credit card companies offer different promotions in their attempt to recruit new customers such as 0.0% financing and the earning of “points” that can be redeemed for goods and services. Responsible use and ownership of a credit card can help raise a poor credit rating. If considering applying for a credit card it is important to use the card responsibly by spending within your means and paying it off promptly.

Credit Report

Your credit report summarizes your credit history. It describes all past and present accounts opened in your name: credit cards, bank accounts, bank credit lines and loans, mortgages, store charge cards and other loans and bills in your name usually excluding utilities and rent payments. Your credit report also includes collection actions taken against you and any existing public record information such as bankruptcy proceedings, liens against you, charge offs or write offs. Continue reading “Credit Report”

Charity Donation

Donations to Charity are as good for you as they are for the recipient Charity. Charity Donations are tax deductible. This means that while you are so nobly helping those in need you are also reducing your tax burden the next time you file! Donations to Charity allow you to contribute in a positive way to your community. Many Charity Organizations rely on Donations from individuals and corporations in order to help others. Donate to a Charity that shares or promotes issues important to you. Be part of the solution!

Cash Advance Loans

Cash advance loans are short term-high interest loans that give you access to cash quickly. This is a service that does not come cheap and should be reserved for true emergencies when other options are unavailable. Family emergencies, unanticipated car maintenance, overdrafts, and utility reconnection are a few of the very important cash needs some people have experienced.
Cash advance loans can be applied for online or secured at cash advance services such as ‘payday loan’ companies. There are restrictions on cash advance loans in several states which makes online application more convenient for some individuals. The large number of online companies that offer cash advance loans makes for fierce competition. This offers an advantage to customers who shop around for the most favorable interest rates.The application for an online cash advance loan generally requires faxed copies of your driver’s license, bank account details and a recent pay stub. Once receive loan approval the money will be directly deposited into your account. Continue reading “Cash Advance Loans”

Car Donation

Car Donation can be a hassle free solution to ridding yourself of an old car while at the same time helping someone in need. Most Car Donations go to charitable non-profit organizations. This means that a Car Donation is totally tax deductible. When you donate a car the organization will usually handle all of the necessary paperwork for you. Donated cars are often auctioned off with the proceeds going to the charities cause. Car donations are a smart financial decision and can make the person donating the car feel good about helping out the community.