Caryn Elizabeth

Author of "Branding You The Brand New You", Caryn home-schooled her 3 children before creating her blog in 2010. Teaching since 1986, Caryn authored, edited and self published several books including Brincely The Brave, The Mastermind eBook, My Grandma's Birthday, Top Tips For Spiritual Living and More. Featured by eZine as an article writing expert, Caryn specializes in Network marketing using the internet. Contact Caryn to create budget friendly websites starting at $100. Teaching online skill basics available. Call for quote 570-460-6961

Most commented posts

  1. Finding Likeminded Friends On Facebook – Would You Like Me? — 14 comments
  2. The Mastermind eBook – How To Form A Mastermind Group — 8 comments
  3. How To Explain “Definite Chief Aim” To Children — 7 comments
  4. How to change your negative thoughts to positive thoughts — 7 comments
  5. 10 Top Tips For Buying A House In Milford PA – Pocono Living — 6 comments

Author's posts

Best Debt Consolidation Company

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What is debt consolidation company best there is today?

What is debt consolidation company best out there today?

Try this site http://Best-Financial-Consultation-USA.info Here you can find the best debt specialist solution available in your area for free

How to Settle Credit Card Debt

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Compare Debt Consolidation Loans

compare debt consolidation loans

Apart from the difficulties caused by the high qualifications set by the various colleges and universities in operation, one of the main concerns of students today's college is the financial needs of these institutions of learning. The costs of funding a? S studies have been increasing in recent years. If a family can no longer bear to go through a college education for students, the second best option would be to apply for a student loan. It is therefore not surprising that the percentage of students borrowing to finance their studies is similar on the increase. In the U.S. alone, a study was conducted and revealed that at least half of its graduates have student loans to pay. This is indicative of the fact that having a student loan is normal for a person who wishes to terminate a career.

If you're still a student is a student loan or a recent graduate full of accumulated student loans, is there a way you can reduce or possibly eliminate your student loans. The two most common types of debt reduction are student loan debt consolidation or refinancing of debt.

Under debt consolidation, student loans can be consolidated into one loan. Under this scheme, the sum of all loans, you need to deal with an interest rate only, which is usually lower compared to when half the price of all their loans. The repayment term is extended resulting to reduce monthly payments for you. After consolidation, you only have to deal with a loan institution. Under refinancing of debt, you have the option of getting a lower interest rate or spread your payments over a period of time longer. Refinancing simply means trying to ask for better terms and conditions of your current financial situation.

Of the two types available, the application debt consolidation to reduce student loan debt is more desirable because it offers more benefits for you.

Debt Free provides detailed information on Debt Consolidation , Debt Counseling , Debt Free, Debt Free Lifestyles and more. Debt Free is affiliated with Debt Management UK.

Unsecured Personal Loans Consolidate Student Loans Secured Loans – Compare Homeowner Loans

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Home Mortgage Rates

home mortgage rates
What are VA home mortgage rates? Are these rates fixed by the Veterans Administration or may co mortgage. charge higher rates.?

My son is applying for a mortgage loan through co tree.The VA mortgage. Now mortgage. The VA website has an interest rate listed in 6.000%, for VA, but the rate of interest charged by a mortgage is now 6,875. Can Mortgage Co. office interest rates. The good faith estimate was 6.8, they said it was only an estimate and that would be the biggest they would be charged. They are to close soon and settlement costs Closing rate@6.875 have the interest. Can they charge a high rate that the VA has in place.

Yes, they can. The Veterans Administration does not actually make loans. They act as an insurance company. The money comes from the bank but the loan has an insurance policy in the form of VA funds rate you pays for the loan. This fee covers insurance, bank financing for the VA and ensures that in the event of a default by his son, the bank will be able to obtain most of their money. This insurance makes the loan of a VA loan. Without it, the loan is considered a conventional loan and mortgage company then get the insurance through a company of private mortgage insurance (PMI). Consequently, the rate charged by the institution is at your discretion. however, must be within reason or the VA can not afford to continue to make VA loans. 6.875 is a bit high right now for a typical VA loan. I ask this with the lender. There may be one reason for this, but look at your file, I have no idea what it is.

First Time Home Buyer – Buy Now with $8000 Government Assistance – RealEstateMarketingThisWeek.com

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Foreclosed Homes For Sale

debtfreedomination.com

foreclosed homes for sale
How long does it take to find out if your offer on the house of foreclosure was accepted?

I know foreclosed homes (not short sale) requires more than a regular house for sale. I wondered how long it took to hear if your offer was accepted. What was your process and experience?

FOR 10 FREE TIPS ON BUYING THE BEST HOUSE FOR THE MONEY, CLICK HERE NOW!

I recently bought a foreclosed (bank owned). It took us one day and got the response that our offer was accepted against 4 other offers. house same offer we put back when I was in a short sale that took us three months and still no news until it was foreclosed. In other put a foreclosed home bid on everything from 3 days to 2 weeks.

TheRealDeal – Suze Orman offers advice to homeowners

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Credit Card Counseling

credit card counseling
Student loan debt exceeds the credit card debt many college students are carrying a heavy load over the class fall.
Credit Card Counseling

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Debt Consolidation Uk

debt consolidation uk
Question about Debt Consolidation Loans …..?

Does anyone know of any company in the United Kingdom to settle any debt you may have – directly to the credit companies concerned – which allows you to pay a monthly sum – a single company? Of course, we know that there will be a fee involved!

UNITED KINGDOM http://www.nohasslebargains.com/loan/id1.html Financial Services

DEBT CONSOLIDATION LOANS-FREE INFO

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Credit Card Debt Settlement

credit card debt settlement
vs debt management credit card settlement 73YO my mother?

owes 25K in credit cards and unsecured loans. One option is debt management, a higher payment for longer but less credit damage. Another is a solution, minus $ paid before, but seriously dinged credit. They can still move once in your life which means a lease or purchase. Suggestions?

– Debt settlement means deliberately defaulting on credit cards to try to settlements. It is a risky tactic .. if you do it yourself or hire a consolidation company debt for it. Creditors are under no obligation to resolve and can not be obliged to, even in case of default. Given the amount of debt risk is high for creditors to sue. – Management of debt and implies a lower interest payments. as nonprofit CCCS companies not only negotiate interest reduced and payments … .. This would take too long to pay $ 25K … could be a problem given the age of his mother. – If she has no property (house / savings) and SSI is their only source of money, then it is a sign of wisdom and SSI can not be seized for debt.

Coastal Credit Solutions – Credit Card Debt Settlement – Credit Counseling

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Credit Card Relief

credit card relief
Are the relief agencies reputable debt or a scam? Know a good to help me get out of credit card debt?

I heard that some agencies take your money and do not end up using it to pay its debts. How can a person find one that will really help and how really work?

Please do not consolidate. It is not free, your payments will be reduced by increasing the amount of time until you are debt free, and you will a hit on your credit score. There is a better way. A. A garage sale and sell anything you no longer need or want. Get a Part B. temporal time job, if you have one, get another. The holidays are coming and there will be a lot of temporary jobs available. Better to have a single year of fun or two no fun a decade. C. NOT get a home equity loan. Taking on more debt does not get you out of debt. Here's a plan that can help. If you work in the plan, the plan of work for you: 1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool that will free you from having to worry about money again. Put everything in your budget. Above all the bills year, semester, quarterly or vehicle registration insurance, etc. Give every dollar that is going to bring home the name of the place to be. Add an emergency fund "category to your budget to $ 25 and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If possible, establish a direct transfer a savings account to your emergency fund. In this way it moves automatically and you do not even have to worry about it. You have to cut expenses and live in less than do. 2.First catch up with you all the debts and make no further delay in payments. Stop using your credit cards immediately. Do not take more debt. cards Credit is like quicksand only the death is much slower. Make a list of all your debts in order of higher interest rate to lowest interest. The effective use only for their expenses from now. 3.Pay the lowest in all of its debts and then put your extra money to pay the highest interest first. After to obtain a paid off, which put the money paid on debt # 1 (the minimum payment and pay extra) to debt # 2. That will pay off debt faster # 2. When that is paid, it becomes three payments of card # 3 and you will be repaid fairly quickly. As an example: To start: Debt # 1 (plus interest): Minimum payment + extra payment Debt # 2 (average interest): minimum payment Debt # 3 (lowest interest): minimum payment Debt # 1: paid debt # 2: minimum payment Debt # 1 + minimum payment Debt # 2 + extra payment Debt # 3: minimum payment Debt # 1: pay debt # 2: paid debt # 3: minimum payment from card # 1 + minimum payment Debt # 2 + minimum payment Debt # 3 + additional payment. Thus, you will get all fruit, in time, and pay no interest. It will also help rebuild your credit because you no longer have any late payments. It works no matter how many different debts you may have. 4. After receiving all your debts paid off, add to your emergency fund until you have 6-12 months of income saved. Put the money in a fund's emergency money market funds in a liquid or Bank of America no-risk CD so if you need money you can be removed without penalty. 5a. When you have your emergency fund in place, add a category for "fun" budget. Except for a holiday, vacation, a large screen, or dinners out, whatever goal you want. Remember to enjoy your life. 5b. When you have your emergency fund in place, start saving for retirement. Join the 401 (k) Plan and contribute work to the fullest. Your employer probably matches at least part of their contribution, why give up free money? Open a Roth IRA and contribute the most in a month base. If you start saving for retirement now, you probably will retire a millionaire. 5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up to a better car. Thus earning interest instead of paying the interest. You can do it and is not as difficult as you think. Just follow the plan.

Credit Card Relief Professional

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Reduce Credit Card Debt

reduce credit card debt
Is it true that the payment on the 14th and last day of each month is deducted from credit card interest?

I want to maximize the profitability of credit card debt. I can not find the article, but I read somewhere that the 14th and last working day of the month were the dates "magic" to reduce credit card interest and debt.

Not true. To maximize your score you want to focus on the date of your credit card companies report to the agencies. Most people think paying your bills on time, or the day you receive your bill is good not to;. Report credit card companies offices first, then mail your invoice. What this does is always shows their cards with balances, because the date of report is just before you actually make your payment. Make sure your payments are always before the reporting date

How to Reduce Credit Card Debt – Humor

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Card Debt Consolidation

card debt consolidation

To some extent disappointing, debt relief within the United States has seemed to become almost a synonym for consolidation loans. Even solutions through so many seemingly unbeatable financial burdens have come into existence in the last decade, capital loans remain the backup option for Too many innocent Americans. This does not mean that the debt consolidation credit card loans would not be the right approach – it is true, borders very specific economic need to be already under way – but consumers do a disservice by refusing to fully investigate all other formal systems of debt relief that have come into play in recent years.

In other words, do not fall into the trap of letting the spectrum is a horrible lead directly to bankruptcy to the office of housing loans for the first capital to come through. If this still must be said that without doubt, not only must resign and hand over a company mortgage telemarketer promising an easy way to trust them debt relief. With so many avenues available where it can absolve you of loans financing consumption – the threat of the cases, we might add, a minimum of Beacon credit scores and household possessions – there is almost always a justification to succumb to the siren song of debt consolidation credit card mortgage beyond sheer laziness or embarrassment.

Yes, we said shame. It is nothing short of remarkable how many Americans choose consolidation home equity as a pressure valve for their debt problems card credit mainly because they feel a twinge of humiliation to consult a specialist debt relief. After all, it is normal – even more to the point, respectable standing – to complain about having to take the mortgage payment. In this way, tens of thousands of men and women living in the United States promoted the illusion that your finances are in the best form of loans against their own home just to pay their credit balances card debt: the promotion of genuine financial problems while pushing his family home by the slippery slope to foreclosure!

Think of it this way. Your credit card total debt does not just happen overnight. We apologize in advance to household heads who were forced to borrow amounts under firing scandal or medical situations emergency, but the vast majority of credit card accounts card debt held by the modern American spiraling upward, painfully slow, a latte or a new blouse or LCD TV at a time. There is a reason why the debt relief consultants and mortgage loan officers have titles so dramatically different. The goal of any professional debt relief success is due not only to ensure that their customers get out of debt but stay out of debt. Credit Funny money transfer card debt consolidation to equity plays has nothing to do with the financial health of a home. In any case, representing the direct opposite!

For Gullingen the unsuspecting homeowner to endanger the family home through false credit scores high and oh tempting initial interest rates – setting up a point per year, no doubt – mortgage loan officers just make sure you make the sale and wash their hands, waiting for the next sucker. To be perfectly honest, I want nothing more for you to accumulate more debt to credit card may be able to add a third mortgage, if property values ever rebound. Do not give them the opportunity. Credit card debt is a scourge on this nation, and not to consolidate. It is to be relieved.

If you need help with debt relief or need information on debt consolidation, please visit TotalDebtRelief.net.

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