Jeff Lakie's Articles

  • Personal Bankruptcy and Home Buying
    If you were granted a personal bankruptcy decision over the past several years you know that obtaining new credit is difficult, almost impossible. Fortunately, if you are looking to purchase a home, there are ways for you to still find home financing even with a personal bankruptcy ruling on your credit report. It won’t necessarily be an easy thing to do, but you could be in your new home if you explore some of the options open to you.
  • Money Saving Tips For Your Next Vacation
    If you are in the middle of planning your next vacation, likely you are giving some thought to ways you can curtail your costs. Vacations should be an enjoyable and relaxing time but not at the cost of straining your budget.
  • Less Than Perfect Credit Personal Loans
    If your credit is less than perfect and perhaps even below the average credit score rate, you may find it difficult to obtain a loan to purchase that car you want, pay for your child’s education, fund your daughter’s braces, or finance a whole host of other projects you have in mind.
  • Home Refinancing Post Personal Bankruptcy
    You filed for bankruptcy and after what seemed to be a lengthy time your application was granted by the courts. Fortunately, you were able to keep your house and most of your other debts including credit cards and one personal loan were discharged.
  • Home Equity Lines of Credit Provide Value and Convenience
    If you are considering doing any work on your home, then a home equity line of credit can provide the value and convenience you need to get the job done at the pace you determine. Indeed, with a ready reserve of cash to draw upon you can borrow as little or as much as you like up to the full amount of the line.
  • Free Checking Accounts Are The Right Way To Bank
    Banking fees certainly have been climbing over the years. Today it is common to hear about banks charging $35 for one returned check, $20 for a money transfer, $125 for a consumer loan application, and $12 per month for checking. Fortunately, some financial institutions are wising and realizing that customers do not want to over run with fees. While many of the charges I mentioned won’t go away, checking account fees can if you follow a few simple rules.
  • Find the Very Best Credit Card Offer
    Check your mailbox on any given day and you are likely to find one, two, three or more offers to get a credit card. Most offers on the surface look pretty good, but you’ll have to do some digging before you find one that is a real hit. Are you considering opening up a new credit card account? If so, let’s take a look at what makes a worthwhile offer for card seekers everywhere.
  • Donate a Car to Benefit Charities and Yourself
    The Internal Revenue Service allows for many different types of charitable deductions including cash, clothes, goods, and some services. One of the "goods" approved by the IRS that taxpayers may donate is their car. Although the IRS has tightened things up over the past few years, donating a car can benefit a favored charity and help yourself come tax day. Let's take a look at how your car donation can help you and a recognized charity.
  • Can Debt Negotiation Work For You?
    If you owe monies to several lenders are finding it difficult to keep up with payments, then perhaps some form of debt negotiation could work for you. What is debt negotiation and how is it accomplished? Keep reading and we’ll take a look at what can be achieved via debt negotiation.
  • Buy At Wholesale For the Best Deal Available
    Consumers looking for a great buy on a product are often drawn to sales at their local department store, retail chain, or factory outlet. Indeed, discounts of ten to fifty percent even more are possible it you hit these stores at the right time and the exact product is available when you shop.
  • Building Credit With No Credit
    One of the oddities of the credit system is that if you apply for a credit card and haven’t had credit before, you not only will probably get turned down but your efforts will work against you in the form of a drop in your credit rating.
  • Are All Credit Reports Truly Free?
    The Federal Trade Commission through an act of Congress has authorized that the three major credit reporting bureaus offer one free copy of your credit report to you on an annual basis. This decision has proven to be a boon for consumers who can now find out what creditors are saying about them and quickly respond to errors and omissions. Not all offers for obtaining free credit reports are truly free. Read on and we'll explore how you can know if an offer is right for you.
  • All About Short Term Emergency Loans
    You have heard about them and have seen ads on the internet, perhaps even listened to radio ads or television spots about this financial product. What am I talking about? Payday loans, also known as cash advance loans or short term emergency loans. What exactly is this type of loan and should you ever take one out? Keep reading and we’ll explore the upsides and downsides of this type of personal loan.
  • A Visa Gift Card Is A Thoughtful Gift
    If you are considering giving a gift to a friend, neighbor, family member, or co-worker, then consider giving a gift card instead of a present. Gift cards allow recipients to choose the gift that befits them and in many cases the card can be used at many different locations, especially if it is a Visa gift card. Yes, the same company that offers credit card and debit card services and is accepted almost everywhere now offers a gift card that can be used all over.
  • A Low Credit Score Can Really Cost You!
    If you have a low credit score, well below the national average of 723 then that low score will cost you plenty over time. Loans will be difficult to obtain, but if approval is given you will pay a higher interest rate than someone with good credit. Think that a low credit score can’t hurt you? Well, it not only can it can make your life downright miserable.

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