I) Debt Consolidation, Refinance and Mortgage 

Take a breath of fresh air with debt consolidation and save your self hundreds!
There was a time when the dollar was worth a dollar. But in our volatile economy, the outlook of how far your money will take you has fallen short for most families struggling to get by, with both parents working full time. Between 60-70% of households now seek debt consolidation and credit counseling to manage their debts and cost of living expenses everyday and that estimate is growing. You may currently be seeking a debt consolidation loan and comparing credit counseling services for the best path to follow to recover from previous debt management choices. The average American household carries 8-14 credit cards, 2-4 department store charge accounts, 1-2 car loans, and various smaller debts. The good news is that interest rates for debt consolidation loans are currently at all time lows. Loan providers are actively competing for your business. It is now possible to dramatically reduce your monthly payments and get a big reduction in your interest rates and pay off your debts sooner. The question you have to ask yourself is, are you on track to pay your debts off on time in order to preserve the current status of your credit rating? When considering your current financial situation, It is worth while to consider credit counseling and applying for a debt consolidation loan. It is better to know what your options are and where you stand in the thick of things when it comes to debt management. You could lower your monthly payments and consolidate them into just one payment with debt consolidation and save hundreds of dollars. Plus, it is important to research every avenue before resorting to a more extreme approach to ridding yourself of debt like bankruptcy. Debt consolidation loans and credit counseling will help you restructure your budget, get your debts under control, and free up your monthly expendable cash for the things you need most.

Debt consolidation

  When seeking debt consolidation there are some choices that you can make such as joining a debt management program or seeking consumer credit card counseling.  Someone can help you get back on track and help you manage your debt. Whether you choose debt consolidation on your own, or though a counseling agency, be sure to carefully read the terms of the debt consolidation agreement which is drawn up between you and your unsecured creditors. Remember, this is NOT a debt consolidation loan. It is simply a consolidation of all debts into one monthly payment, which is more manageable with your budget.

  Debt consolidation means one thing: a consolidation of multiple debts, into one debt, and one payment. Unfortunately, it is often paired with the word loan by banks and mortgage institutions offering a debt consolidation loan to escape from the debt pressure.
  In reality, some of these debt consolidation loans end up as interest second mortgages on homes, or exorbitant home refinancing. Second mortgages on your home only increase the amount of money owed in the long run. By putting all of your debt on the most precious asset you have, you run the risk of losing your home for the sake of credit card or other debt. You may even be overextended to the point where you might not qualify for a mortgage. And if you do, the terms will not be favorable.

  Need to reduce debt? Or consolidate your debt?  Online debt consolidation can provide those solutions and much more. Check out the debt consolidation information and services page to help you with your online debt consolidation needs. If you already own a home and need a consolidation home equity loan, 2nd mortgage, or refinance: Go and receive. In today's society debt is a common issue for many individuals young or old.  Whether your are straight out of college, buying your first home, purchasing a vehicle, starting a business or just living day to day. All of these have one thing in common, debt! For most of us the question becomes how do I get out of debt? If you are worried about your debt, do not hesitate to seek a debt consolidation plan now!  As debt will continue to haunt our everyday lives. As we get older some of us are fortunate enough to pay off our debts, while others are not so lucky.  If you fall in the unfortunate group that lives with creditors calling you all the time, credit cards maxed out or the thought of bankruptcy doesnt sound so bad, then you may want to look to debt consolidation.

Refinance & Mortgage & Loans

   If you already have a home loan, refinancing your home under a new loan with a lower APR can save you hundreds a month for your mortgage payment. In some instances, it's possible to cut your mortgage from a 30 year fixed rate mortgage to a 15 year fixed rate mortgage and not increase your monthly payment. The advantage is you save significantly on the Interest charges and pay off your home in half the time. This is very possible if you originally filed for your mortgage when rates were high and the current rates have dropped significantly...  2nd mortgage loans enable you to become debt free! Consolidate those unsightly bills (credit cards, autos, liens, personal loans, high interest rate second loans, refinance or even do some home improvements, etc...).Ideal for any immediate need, with the advantage of a fixed interest rate, predictable monthly payments, and possible tax savings...

Companies (filter by):

Credit Union Auto Loan - California Community Credit Union is a cooperative financial institution providing credit at reasonable rates and other financial services like credit union auto loans, credit union car loans IRA to its members in California.

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II) Insurance

Insurance involves pooling funds from many insured entities (known as exposures) in order to pay for relatively uncommon but severely devastating losses which can occur to these entities. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring. In order to be insurable, the risk insured against must meet certain characteristics in order to be an insurable risk. Insurance is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses.

Types of insurance
: Auto insurance, Property insurance, Mortgage insurance, Home insurance, Life insurance, Health insurance, Dental insurance, Casualty insurance, Credit insurance and others. Click here for reception of the greater information!

III) Education

People have more education options now than ever before. Students can not only go to a traditional campus university to continue their education, but they can earn an online college degree at an online university. Getting an online university degree makes it possible for many adults to go to college while still working full time. Since college classes are given online, students can get an online education anywhere they have access to a computer: at home, at work, or even on vacation.

An online college degree is no farther away than the closest internet connection. Since students can attend a distance learning college in the comfort of their own homes, they can save time and money on commuting while earning their certification or bachelor's degree online. Some distance learning colleges give students the opportunity to graduate from college much faster than they would at a campus college. With the growing popularity of distance learning, online university degrees are becoming more and more common in an increasing range of subjects. With so many fully accredited online universities offering quality distance learning degree programs, its that much easier to find a college with the degree program that you are looking for by getting an online college degree.

Through an online university, you can get a bachelor degree online at a business school or a nursing degree from a nursing school. You can even get an online criminal justice degree or a degree as a paralegal from a law school. When the best college for you is hundreds of miles away, deciding to continue education online is a great option to bring the best schools to you. When looking for a college course online, choosing the online college that best suits your needs can be both fast and easy to find. Higher education is more important today than ever before. 90% of the fastest growing jobs in the US require some post-secondary education, and 63% of the decade's nearly 20 million new jobs will require a bachelor's degree or higher. Unfortunately, in 2004 only 28% of Americans had a bachelor's degree, so upgrading the education level of the workforce is fast becoming a national priority. Furthermore, upgrading your degree today can significantly increase how much money you will earn over your lifetime. The U.S. Census Bureau determined that lifetime earnings for people who hold only a high school diploma can rise as high as $1 million. But complete an associate's degree and your lifetime earnings nearly double to $1.8 million. It gets better as you continue your degree training. Lifetime earnings for average bachelor's degree holders top out around $2.1 million. Add a master's degree, graduate school, or doctorate degree and your lifetime earnings range between $2.5 million and $4.4 million.

The traditional four-year degree from a college or university is fast giving way to a more career-oriented program. Career education schools increasingly focus less on unnecessary coursework and more on career oriented degree programs. This model of career education focuses on giving students the specific skills and education needed for a career change, first time careers, and also advancing your current career. Because of the shift towards career-oriented education, students can often complete degree programs in a matter of months, as opposed to the years it commonly takes. Many colleges and universities now have courses that begin every few weeks or incorporate "fast-track" intensive programs or online learning to speed things up.

Undeniably, one of the biggest changes in higher education in the last decade has been the increase in online education. Online degree programs have been the key that allows many non-traditional students to fit continuing education into their busy schedules. Judging by the rising number of those who have taken at least one online course in the fall of 2005 -- 3 million nationwide, or nearly 20% of higher education students, according to the Sloan Foundation -- online learning appears also to be earning students faith. In fact, research has found that 77% of prospective students would consider enrolling in a fully online degree program.

Your goal is to request more information from any of the schools that are listed. All requests are free and your privacy is protected. After submitting your request you may receive an email, a catalog in the mail, or a phone call by an admissions counselor. If you are looking for more information about choosing the right college, financial aid, employment search, career change, and many other topics, visit our career information articles section.

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