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Tips For Negotiating Debt Settlement

When you have more months at the end of your money and more bills to pay than you can handle, you are at risk of being in debt. You can tell you are in bad debt when you have outstanding bills or can only pay the minimal amount for your credit card payments. Debt is damaging to your credit score since it makes it difficult to get financing from lenders. Debt can even affect your ability to get employment. T ...

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All About El Gordo de la Primitiva Lottery Game

El Gordo de la Primitiva (lit. the fat one of the primitive (lottery), can be translated as the big one), commonly known as El Gordo, is one of the Loterías y Apuestas del Estado (Spanish state lotteries). The largest prize given at the Spanish Christmas Lottery (and to a lesser extent at any other Spanish lottery), is also referred to as 'El Gordo'. Tickets consist of two grids, one with numbers from 1 to ...

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Perfect Mortgage Borrower?

Credit Score, DTI, Job Stability and few more contribute to the question of who is the perfect mortgage borrower. Check the below infographic to find out more about these interesting trivia: Via: NYC Bankruptcy Lawyer ...

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Contractors: Here’s How To Save Money When You’re On The Road

The majority of contractors are self-employed. That means they can’t get freebies as part of their job, like flights and accommodation paid for by their companies. You will doubtless know that you can offset your expenses against the tax you pay. However, the downside is that you make fewer profits if you are extravagant with your spending. If you have to travel a lot for the work you do, and you have to st ...

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Resources That Might Be Of Great Help For Public Service Loan Forgiveness Program

The Public Service Loan Forgiveness (PSLF) program was created under the College Cost Reduction and Access Act of 2007 (CCRAA) to provide heavily indebted individuals a way out of their federal student loan debt burden by working full-time in public service, but one must qualify financially. One must be eligible for an ICR (Income Contingent Repayment) plan during the entire 10-year repayment term to qualif ...

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New Year Resolution 2015: Efficient Debt Management

It is that time of the year when aim driven people and individuals who set goals for the coming year start noting down or make mental promises to them, simply calling these promises their New Year resolution. These resolutions are made to shape their life in a better way, improving their life in some way or the other. While people are quite dedicated in making these resolutions a reality, many of them fail ...

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When Is The Right Time To Invest In Bonds?

With the approach of retirement and the ever volatile economic cycle it's always a sure fact that a person would want to at least have a soft landing if the pension seizes or the in case of loss of employment. However there are various investment opportunities that have been availed in the market. With stocks being too unpredictable and too risky bonds are now the easiest and safest way of investing your mo ...

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Contactless Payment In The UK: Is It Worth Your Time?

Contactless Payment is on the up here in the UK. With more and more businesses allowing their customers to take advantage of contactless payment (32.5 million cards in use), it seems as though the technology is going to be ubiquitous in only a few years’ time. So the question is, does your business need to start considering the payment method, and if you do, how do you get hold of it? What Is Contactless Pa ...

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McDonald’s Worker Budget: The Financial Literacy Behind $7.25 Per Hour Minimum Job Wage

Perhaps it wasn’t such a surprise to most people when news broke of that McDonald’s employee who sold heroin in Happy Meal Boxes. Maybe, just maybe, the question we should be asking is why we hadn’t heard of it before. It was just another day at work for employee Shania Dennis when two men came up to her at the Pittsburgh store she worked in. One of the men said that they would “like to order a toy.” Nothin ...

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Did You Borrow Money For Christmas?

A lot of people borrowed money to fund Christmas in the UK, with 13 million apparently unable to pay for their festivities on their wages alone. Borrowing money over the festive period is not unusual, and since the recession household incomes have been squeezed, meaning that more and more people are relying on credit to fund Christmas. This borrowing was spread over credit cards, overdrafts and loans, and m ...

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