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  1. <?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-5469671961945821052</id><updated>2023-06-20T21:57:11.832-07:00</updated><title type='text'>ArticlesEmpire</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://articlesempirecom.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/5469671961945821052/posts/default'/><link rel='alternate' type='text/html' href='https://articlesempirecom.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>3</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-5469671961945821052.post-1611046914734320263</id><published>2021-12-28T23:11:00.002-08:00</published><updated>2021-12-28T23:11:30.196-08:00</updated><title type='text'>Tips to Effectively Pay Off Your Debts</title><content type='html'>&lt;p&gt;&amp;nbsp;Outstanding debts can inflict severe dents in even the best &lt;a href=&quot;https://digitalsoftmedia.com/&quot;&gt;retirement plans&lt;/a&gt; which have been carefully crafted over a lifetime. Incurring a debt is seemingly unavoidable in the modern age, as a result of both higher cost of living and consumerism.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;With each passing year, more and more Singaporeans are diving into the debt pool as they struggle to cover their daily expenses and make ends meet. As of &lt;a href=&quot;https://bizinspires.com/&quot;&gt;Decembe&lt;/a&gt;r 2016, the average Singaporean household incurs an estimated $55,000 of debt, which is a 3% increase over 2015. Easily 75% of this household debt stems from unresolved mortgage loans. Some of this unsettled debt may even force retirees to expend their assets to cover their debt rather than passing it on to their beneficiaries.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;However, there are several ways to effectively settle outstanding debts to ensure it doesn&#39;t put a crimp on some of those best retirement plans you&#39;ve &lt;a href=&quot;https://techntravels.com/&quot;&gt;come up with&lt;/a&gt;.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;1. Establish a Budget and Track It&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Creating a proper budget is a great way to analyse and plan finances. By allocating a set amount of money towards a specific expense per month, the amount of expenses can be monitored more stringently and precautionary steps can be swiftly undertaken if the expenses overshoot the stipulated budget. It is only through proper budgeting can individuals or households create the necessary surpluses to pay off any existing debts.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Certain financial tools, such as Excel spreadsheets or even Mint.com, are particularly useful in keeping track of a personal or household budget.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The main problem for an individual who does not keep track of his/her monthly expenditure is that he/she does not know if he/she ends the month with a net reduction in savings, i.e., spending exceeds income and eats into savings. Knowing the amount of leftover balance is crucial since a continuous negative balance might lead to the creation of new debts. It is this type of debt that is the most dangerous as it rolls over at seemingly manageable interest rates month after month. Before the individual knows it, he/she would have made hefty payments on interest alone.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Tracking tools are thus crucial in identifying areas of weakness in one&#39;s monthly spending habits, but an individual must take affirmative action to reverse the negative balance situation. This can be done via listing out the monthly expenses and employing necessary cut backs on certain expenditures. Discipline is the key.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;2. Laddering Debts by Interest Rate&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Laddering debts is another technique used in settling outstanding debt. It involves listing out all current debts by interest rate, starting from the highest interest rate to the lowest interest rate. The debt with the highest interest rate costs the most money, so this debt needs to be settled first.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;By paying off the most expensive debt first, the overall debt will be reduced significantly faster. Some individuals who incur multiple debts per month and employ laddering in their finances usually settle the minimum payment required for each debt, and use the balance cash from their payments to settle more of the debt with the highest interest rate.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;For example, let&#39;s compare two debt instruments: one, a credit card with an outstanding balance of $4,000 with an interest rate of 24% and another, a credit line with an outstanding balance of $8,000 with an interest rate of 16%. Ideally, the minimum monthly payment required to settle each debt would first be made, and any leftover finances would be funneled to repaying more of the credit card debt even though the amount owed may be lower.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Laddering is especially useful in tackling multiple debts while avoiding the accidental creation of another new debt. Laddering also instills a sense of financial discipline that is good in tackling unresolved debts and preventing those debts from inflicting too much harm on those retirement plans you&#39;ve kept in mind.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;3. Balance Transfers&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Balance transfers is another tool used to cut back on interest expenses whilst settling an attempt to pay off a debt over several months.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;For example, given the competitive nature of the unsecured credit market, banks often provide very low teaser rates for clients who transfer their existing unsecured debt from other banks. The effective interest rates could be as low as 4% p.a. versus the normal 24% p.a. one pays on credit card balances. However, the catch is such promotional rates lasts only for a certain period, for example 6 months. Nevertheless, balance transfers can lower the interest costs of an existing debt.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://articlesempirecom.blogspot.com/feeds/1611046914734320263/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://articlesempirecom.blogspot.com/2021/12/tips-to-effectively-pay-off-your-debts.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/5469671961945821052/posts/default/1611046914734320263'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/5469671961945821052/posts/default/1611046914734320263'/><link rel='alternate' type='text/html' href='https://articlesempirecom.blogspot.com/2021/12/tips-to-effectively-pay-off-your-debts.html' title='Tips to Effectively Pay Off Your Debts'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-5469671961945821052.post-4003424541172149079</id><published>2021-12-28T23:09:00.003-08:00</published><updated>2021-12-28T23:09:49.641-08:00</updated><title type='text'>Freedom Debt Relief Reviews - A Recap</title><content type='html'>&lt;p&gt;&amp;nbsp;Anyone who has every gone through debt or is going through debt at the &lt;a href=&quot;https://techniexpert.com/&quot;&gt;moment&lt;/a&gt; likes knowing all the different possible options possible in terms of how to pay it off, or how to pay it off with less monthly installments, for that matter.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Freedom Debt Relief reviews are important in order to &lt;a href=&quot;https://edgemag.co.uk/&quot;&gt;separat&lt;/a&gt;e the hype from the real deal. According to the ad on TV, you can reduce your debt by up to half making just one payment per month. The company states that it can help you get rid of your debt in two to four years without declaring bankruptcy or getting credit counseling. Rather, the &lt;a href=&quot;https://alltechnews.co.uk/&quot;&gt;company&lt;/a&gt; claims to negotiate with your creditor in order to lessen your owed amount.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;According to a few Freedom Debt Relief reviews, however, some of those who signed u declared bankruptcy while others even encountered debt increase. A few reviews indicated that the company did not even get in touch with the creditors to negotiate lower debts.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Many consumers found that the Freedom Debt Relief Company had sent every account to collection agencies. Thus, many clients never overcame their debts even with years of service and administration fees paid to the company. To top it off, it turns out that Freedom Debt Relief did not even operate with a business license in the state of California.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The Bottom Line&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Freedom Debt Relief reviews indicate that one consumer after another feels duped and at the very least, disappointed at the way Freedom Debt Relief gave out false advertising, did not do what they claimed they were going to do and even practiced in the state of California with no business license. It has lost all credibility and continues to charge administration fees to people who are already deeply in debt as it is, and looking for a way out. What should consumers do?&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Based on the Freedom Debt Relief reviews, the first thing consumers need to do is to cancel their patronage to Freedom Debt Relief and then talk to creditors themselves to try and see if reduced payments will be allowed. Negotiate a principal reduction with a company that helps in debt-reduction. The way to know whether or not a company will help in reducing debt is to read various reviews and check with the Better Business Bureau as to whether or not they are working effectively and have good reviews from consumer reports.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://articlesempirecom.blogspot.com/feeds/4003424541172149079/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://articlesempirecom.blogspot.com/2021/12/freedom-debt-relief-reviews-recap.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/5469671961945821052/posts/default/4003424541172149079'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/5469671961945821052/posts/default/4003424541172149079'/><link rel='alternate' type='text/html' href='https://articlesempirecom.blogspot.com/2021/12/freedom-debt-relief-reviews-recap.html' title='Freedom Debt Relief Reviews - A Recap'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-5469671961945821052.post-9029545546359331126</id><published>2021-12-28T23:01:00.001-08:00</published><updated>2021-12-28T23:06:17.396-08:00</updated><title type='text'>Federal Debt Relief Program</title><content type='html'>&lt;p&gt;&amp;nbsp;Yes, government debt relief programs do exist. &lt;a href=&quot;https://observingblog.com/&quot;&gt;However&lt;/a&gt;, federal debt relief programs are only available for student loans.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Federal student loan relief &lt;a href=&quot;https://globaltechideas.com/&quot;&gt;programs&lt;/a&gt; are available at StudentLoans.Gov.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The key to getting a low monthly payment and the &lt;a href=&quot;https://totechtimes.com/&quot;&gt;maximum&lt;/a&gt; amount of loan forgiveness is to qualify for an income-driven repayment plan.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The Pay As You Earn plan is a popular federal program that offers a low monthly payment and loan forgiveness.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The lower a person&#39;s income and bigger their family size, the lower their consolidated monthly payment will be.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Students do need to recertify the Pay As You Earn and all of the income-based repayment plans every year, so if a person&#39;s income changes so can their payment.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;AFSLR Certified Student Loan Expert, Wesley Hendrickson, stated; &quot;Don&#39;t forget to recertify or you can lose your eligibility for loan forgiveness, and your payment can skyrocket. This is the most common mistake that I see students make. The next thing you know, your wages will be getting garnished, and credit score is shot.&quot;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;For credit card relief, government programs don&#39;t exist. Credit card relief options available through third-party companies are available. Make sure the company you choose is IAPDA Certified and highly rated by the Better Business Bureau.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;A person can also work directly with their credit card company, but the savings will be minimal compared to what a person can save with a debt relief program. Your credit card company may temporarily reduce your payments and interest, but it will only be temporary.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Most debt relief companies across the nation offer debt settlement services, but this program comes with negative consequences.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;A person&#39;s credit score can be negatively impacted and credit card lawsuits can occur while on a debt settlement program. In only about 2% of all cases, credit card companies will sue a person while on a debt settlement program. While this isn&#39;t a large percentage of lawsuits happening, it is something that you need to beware of and ready for.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Before you join a debt settlement program, make sure to understand ALL of the potential negative consequences. Do your research and make sure the company helping you is transparent and has reputable credentials.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;How debt validation works&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Debt validation can allow a person to legally stop paying a debt and walk away from the debt without paying a dime to the debt collection company and only having to pay the debt relief company&#39;s fees.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Debt relief programs that improve your credit score&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;No debt relief program will improve your credit score unless you get a debt relief loan to pay off your credit cards.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Since all plans can have an adverse effect on credit scores; debt validation comes with credit repair, aiming to get the debt and it&#39;s associated negative marks completely removed from the clients&#39; credit reports by the end of the program.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Rick Sorrentino, IAPDA Accredited Counselor, advises consumers; &quot;If you can afford to pay at least minimum monthly payments, try to find another way to resolve your debt besides using debt settlement or debt validation. These programs should only be used as a last resort, to save a person from having to file for bankruptcy.&quot;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://articlesempirecom.blogspot.com/feeds/9029545546359331126/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://articlesempirecom.blogspot.com/2021/12/federal-debt-relief-program.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/5469671961945821052/posts/default/9029545546359331126'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/5469671961945821052/posts/default/9029545546359331126'/><link rel='alternate' type='text/html' href='https://articlesempirecom.blogspot.com/2021/12/federal-debt-relief-program.html' title='Federal Debt Relief Program'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry></feed>

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