Free Debt Consolidation Solutions to Fix Your Finances Now!

If I told you there are very effective free debt consolidation available to you that can help set you on the path to becoming debt free, would you be willing to listen? Read on to discover how you can fix your finances on your own with a few simple strategies that you can put into action right now!

Free Debt Consolidation For Everyone

First off, let’s put the misconceptions to rest. Free debt consolidation options are available to everyone. Not all will work or be effective for each and every case, but at least one of these methods can be employed by you right now to help you set your finances straight! Free debt consolidation is simply a general term that describes consolidation and management solutions that can be utilized by you without having to pay a third party, such as a debt consolidation company.

Low Interest and Balance Transfer Credit Card Consolidation

The most common method for do-it-yourself debt management is the balance transfer credit card method. This is also typically the most accessible method for consolidating debt. Essentially you are taking your high interest debts (credit cards, loans, etc.) and transferring those debts to a single, high-balance, low interest credit card. To do this effectively, look for promotions that offer no or very low interest for promotional periods. Often you’ll find 0% for 6-12 months or 2.99-5.99% for 12-18months or longer. Some of these offers are available for new card accounts only so you will have to apply for the account. If this is the case you will, in most cases, need at least fair to good credit. But don’t get discouraged, there are often many offers available for existing card holders. Either call your credit card company or go online to your credit card account site and look for promotions.

Free Debt Consolidation Loans

I know that loans are technically not free as you are paying interest, but that is going to be the case regardless. Here we are talking about loans from your bank, or credit union, or even home equity loans if you are a homeowner. The important key is that we are not paying a debt consolidation company to do this work for us so it is technically free debt consolidation. It’s important to seek out products that fit your budget and situation. A debt consolidation loan can be used to pay off your balances and provide you with a single balance and single monthly payment, all at a lower interest. Make sure you do your homework and only apply for a loan once you know it is right for you.

Free Debt Consolidation Rule Number One

For your free debt consolidation efforts to pay off, The most important rule to follow here is to stop using those accounts as soon as the balance transfer completes. It is easy to fall into the trap of zeroing out your balance and then charging a little here and a little there because you know there is no big balance there anymore. The problem is this adds up fast, and eventually you are much worse off than you were before. So as soon as your balance transfers complete, or your loan pays out and you have paid off your debts, put the old cards away-far, far away!

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Budget Worksheets – Top 10 Worksheets to Gain Control of Your Finances Now!

In today’s economy, many people are wondering how they can gain control of the finances. They need to reduce their spending and start living on a budget. Now more than ever, we need to start living within our means and not spend more than we make. Using budget worksheets is the first step to gain control of your spending and improve your finances. The top 10 worksheets you should be using are listed below:

Worksheet #1 – Income Tracking Worksheet – It is important to know where you are financially. So, filling out a income tracking worksheet will do just that. This is a worksheet where you place all of your income. If you are married or have a partner that contributes to your monthly finances be sure to include their income as well. Only put regularly occurring income on this worksheet such as regular paychecks, child support and alimony. Do not include bonuses or other irregular income.

Worksheet #2 – Expense Worksheet – This is another worksheet that you use to find out where you are today. This worksheet is an estimate of what your monthly expenses are. This worksheet should have household expenses, auto expenses, food expenses, medical expenses, and all other area where you spend money each month. This will give you a rough estimate of your expenses each month.

Worksheet #3 – List of Creditors Worksheets – On this worksheet you will want to list all the people you owe money. This includes credit card payments, pay day loans, and friends and family. You will want to list the name of the creditor, the amount due, and how many months (if any) you are in default.

Worksheet #4 – Weekly Expenses Report- The weekly expenses worksheet is where you will list all your spending for the week. This includes things you buy using cash, check, or credit card. At the end of the week you will transfer these transactions to your Monthly Expense Record.

Worksheet #5 – Monthly Expense Record- On this worksheet you will record all your spending for the month in the appropriate categories. At the end of the month, this will give you an exact amount of money that you spend in all categories.

Worksheet #6 – Repayment of Debt Worksheet – You will need one of these worksheets for each creditor you have. Each month when you make a payment, you will record it on this worksheet and bring down the balance after each payment has been made.

Worksheet #7 – Monthly Financial Report – On your monthly financial report is where you will enter your income and all your expenses for the month. By filling out this worksheet correctly you will find out if you are operating your household budget in the black or the red.

Worksheet #8 – Monthly Budget Worksheet – Now that you have filled out your monthly financial report you can work on your monthly budget. You can see where you can cut expenses in order to run your household with money left over at the end of the month.

Worksheet #9 – Needs and Wants Worksheet – This is an important worksheet to use to help keep your financial spending in check. When you or one of your children see something they need or want, you simply write it down on the needs and wants worksheet. Then when funds become available to purchase something you have a written record of what you really want to spend your money on instead of just making an impulse buy.

Worksheet #10 – 90-Day Financial Goals Worksheet – This goals worksheet will help keep your finances moving in the right direction. It is a worksheet where you write down you financial goals. Then it has an area where you write down weekly action items in order to achieve those goals.

In conclusion, by tracking your spending, creating a budget, learning to handle your needs and wants, and setting financial goals; you can gain control of your finances. Start using these top 10 worksheets today and watch your financial future grow.

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Building a Good Credit Score – Getting the Credit You Need to Get Financing Now!

Are you becoming sick of being one of those people that just cannot get any type of financing because your credit is horrible? Do you want to find a way to get the necessary credit score that it takes to get any financing you can get regardless of what you need? There are ways to learn how building a good credit history is done. Here is what you have to know about credit.

First, when it comes to your FICO score you need to understand what is considered good and what is considered bad. The low scores are usually below 500 and these people will not be able to get any financing other than rent to own and buy here pay here types of deals. The best scores are those above 700 and these people can pretty much finance anything they want to finance.

Second, when you are trying to figure out how building a good credit profile is done you need to understand that it is all about the two different sides of your credit report. There is a positive, which is items you have paid on time and there is a negative, which are debts you have not paid on time or have not paid on in a while. The best thing to know about building a good credit score is that you need more on the positive than on the negative.

Last, if you want to make sure your credit is changed and that you can get the financing you need, then you need to start making the necessary adjustments in your life to deal with your bad debts now. This will have a lasting effect on your credit history and will allow you to begin building a FICO score you can be proud of.

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Found Some Gas Stations For Sale? Try Getting SBA Financing NOW!

Financing gas stations and convenience stores has never been at the top of the list for most banks and lending institutions. Now it’s gotten even tougher. Because of recent changes in SBA lending guidelines,obtaining a purchase loan got a lot more difficult.

SBA has been perceived as “B” credit financing for many people which is not accurate. SBA could finance things like working capital and inventory which banks frequently would not do on a conventional basis and generally would do a higher loan to value (LTV) loan than many banks. In reality, it was the banks lending the money and the SBA would guarantee the loan.

Effective June 15, 2008, the SBA will require all sellers to provide an environmental indemnification agreement regardless if the site has ever had an environmental issue or not. Fun, huh? Imagine this… you’re buying a station that is a few years old…it’s in pristine condition… the site has never had an environmental concern… now the SBA wants the seller to sign that they will indemnify in case of leakage, spillage or migration for the entire life of the loan if the State’s LUST fund goes insolvent or if private insurance is not effect by the owner. So, even though YOU had nothing to do with the leakage or spillage, you might be responsible for it! Fun stuff… good times! How many sellers do you think will want to sign off on this? The SBA also will now require a Phase I environmental on business only purchases

Secondly, the SBA no longer wants to have appraisals with an income approach in it. Appraisers are in arms about this because this is contradictory to their own guidelines that they go by. They also want to have a business valuation done by a third party company instead of the income approach, adding time and expense to the transaction.

If this isn’t bad enough, if you’re borrowing part of your down payment from a home equity loan, the SBA will require that if you are married, your spouse will need to work in a job that has nothing to do with your business, to assure that the home equity loan is paid.

If this concerns you, it should. It would appear that the not so veiled message is that the SBA does not want to finance gas stations and convenience stores with fuel anymore. I’d complain to your local representative and Senator to make your feelings known.

With all this having been said, it is imperative that you deal with people that specialize in financing gas stations and convenience stores, who hopefully are aware of financing in this asset class.

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Just Because You Are Able to Get the Financing Now Doesn’t Mean a Franchise Is Right for You

Well, it looks as if we are slowly emerging from recession, and luckily there are business loans still available with very low interest rates. There are also small business loans from the Small Business Administration available, which you might partake in. Now then, just because you can get the financing to start your own small business, or perhaps a franchised outlet, doesn’t mean you should. It is quite possible we could slip into a double dip recession, and be in a less-than-adequate position in our economy sometime between now and the next 15 months.

Therefore, if you were to start your business, and we stay in a recessionary posture in our economy, you may have trouble making a profit. If you can’t make a profit, you can’t run your business at a loss forever, and you will have to file bankruptcy, and you will be unable to pay those loans back. Are you beginning to understand the real risks here? The problem with borrowing money is that you have to pay it back, and it is far too unfortunate that a good amount of our population have over-charged their credit cards, without considering the consequences that they will be paying on those cards for a long time into the future.

Because our economy appears to be very slowly recovering, not all sectors of our economy or all industries are recovering at the same rate. For instance, the real estate market isn’t doing too hot, whereas, retail sales have slowly been on the uptick. Of course all that could change too, and therefore it matters what type of franchise you buy, what industry you will be participating in, and if you have the personal perseverance to stick it out and see it through. You’re also going to need more money than merely the amount needed to purchase the franchise.

If sales are slow and not at optimum then the franchisor’s business model will not be performing at its peak either. This means that it will take longer to get to an operational profit, or retain a reasonable return on investment. Even if you talk to franchisees of the franchise system you are considering on purchasing which have reached their return on investment, it doesn’t mean you will be able to reach it as quickly. The economic times have changed. Before you go sign your name to hundreds of thousands of dollars of loans, so you can start a business of your own, and find yourself gainfully employed again, I hope you will please consider these words of wisdom and think on it.

Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank. Lance Winslow believes writing 24,500 articles by August 24th or 25th will be difficult because all the letters on his keyboard are now worn off now..

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What Is The Cost Of A Physician Disability Insurance Cover?

Owing to the fact that the resources and assets at people’s disposal are shrinking day in day out, human beings have learned to be careful when it comes to spending. They will always remember to ask the question of what the cost of something will be. There are high chances that some people are interested in taking physician disability insurance and are wondering how much it will cost them. If you are one of them then keep reading to learn more.

Sincerely speaking it might not be possible for and individual to quote the exact cost of taking such a cover. Any person who comes up with such a figure might be wrong. They will be wrong because the conditions surrounding a single person might not be the same conditions surrounding another person. To determine therefore the amount of money an individual will be expected to part with will depend on some aspects which include the following:

Age of the insured

Once a person makes up their mind to go for Physician Own Specialty Disability Insurance then they should stay informed that their age will determine the amount of money they will have to pay as premiums. In most cases the amount of premiums increases as the age advances. This means that the younger a person is the cheaper their policy will cost.

This should be a motivating factor to the young people. They should try as much as possible to go for these covers because if they wait longer the price of the policy will go high. Taking this advantage can be a wise decision in one’s life.

The gender of a person

In most cases people forget thinking about gender of the person taking the cover. In general, the females have high chances of facing the risks insured against. This will imply that the higher the chances of getting impairments the more amount of premiums an individual should expect to pay.

Those people who are of a masculine gender will purchase the cover at a relatively lower price compared to their counterparts of the other gender.

Health history of a person

The health history of an individual can tell us more of what we should be expecting. Those people who have been having several ailments or those whose family tree is known for certain defects should be prepared to part with large sums of money. These health complications have high chances of making an individual suffer from a risk insured against.

An individual with a clean history in health issues should therefore be prepared to pay less amount of money in terms of premiums.

The type of policy

The insurance companies offer a wide range of policies. This means that when making a choice an individual should make sure that comparisons have been made. For instance an individual who gets attracted to the Guardian policy should be ready to pay a lot of money because this is the most expensive policy. So when taking Own Specialty Physician Disability Insurance the type and nature of policy taken is greatly vital to a person.

There is no way all these aspects can affect an individual negatively and therefore there is need of getting worried of things like one is a female, they are of an advanced age, or they have bad reputation in their health history all shall be well.

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Why Should One Go For Professional Disability Insurance?

How does it feel when a person is employed, is working and all is going well? They might be tempted to think that they will remain in such states for a very long time. The most important thing an individual should begin by appreciating is that the events of the next day, next hour or even next minute are uncertain. This is why a person should make sure that they have taken necessary precautions so that they can continue enjoy living on this earth.

It takes a few minutes to contract an impairment. To make the matters worse, there are some impairments which might make one unable to continue working. For instance, think about a news reporter who gets involved in an accident and ends up losing all their legs. Probably they will no longer be able to attend events and report as they used to do before the occurrence took place. This stretches to other several professions and therefore taking precautionary measures is what an individual should plan for. Some of the reasons as to why taking Own Occupation Disability Insurance policies remains benevolent to an individual include the following:

Ensures financial security

Every human being who is employed today has dependents. They also depend on what they earn for their daily upkeep. It might not be easy for such a person to survive and continue supporting the people they were supporting after an impairment given that they will no longer be employed. An individual who had taken a Professional Disability Insurance is assured of a happy living because they will be compensated.

There are some companies which pay up to 75 percent of what an individual used to earn. Even though an individual will be receiving less than what they used to earn, the most important thing here is that they have something to survive on. It can be frustrating for an individual who has no money, no employment and cannot work but has bills to settle.

Allows one time to transit to another profession

There are various types of professions across the world. Once an individual becomes disabled such that they cannot continue performing their work well, they should think about changing their profession. For instance in the case of a reporter, they can become an editor.

In most cases some training will be necessary to allow these people take up new roles. The compensation they receive will help them to go for such training activities. An individual who has nothing might not be able to change their profession because they lack moral and financial support.

Grants one mental solace

Think about someone who is bedridden because of an accident. This person has no food, no money and they have exhausted their savings. Such a person will have to survive at the mercy of friends, relatives and other well-wishers. At some point they might be taken as a luggage to those taking care of them.

When a person mentally surveys all these conditions and realize that it was not their mistake, they might contract mental frustration. The only way such a person will be healed is by getting an assurance that they have support. There is no need of waiting for an assurance that might never come. One has to go for Professional Own Specialty Disability Insurance and all shall be well with them.

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Get The Best Americas Doctor Disability Insurance

It is very important for doctors in America to have disability insurance. Unlike many other professions they work in an area of high risk. No doubt they are well trained educated and are working 40 hours a week, most of the time on their feet.

They need insurance to take care of any eventuality in their life wherethey fall ill and have to take rest. It is become extremely difficult for physicians to get disability cover in their own specialty. There is work being done at Doctor’s Disability Shop so that doctors can avail of a discount to get disability insurance for their ‘own specialty’

How Does Own Specialty Insurance Work?

Doctors are given the opportunity to choose their ‘own specialty’ disability insurance plan that is ideal for them. Once the doctor has decided on the plan, it is easy to apply since it is done electronically and does not require any paper work.

Disability Pro protects your income so you can provide for your family when you are faced with a disability. All that the physician needs to do is get the right amount of coverage. Disability Pro helps you to meet your financial needs when you are disabled and cannot take care of your patients. You can get remuneration which is equivalent to your own specialty.

Physician disability insurance covers the physician in his own specialty. The insurance stays with the physician even though he changes his employer. He can get up to $15,000 in monthly benefits. If it is catastrophic disability the doctor can get nursing at home and health care. All physicians get 15% reduction while AMA members get 35% reduction.

Physician’s Disability Insurance Policies

There are different types of disability insurance policies that physicians can avail of. They are Mass Mutual, MetLife, Berkshire Life (Guardian), Principal, and Union Central Life. Many of the provisions are same in each of the companies. But there are a few differences which may help to choose the particular insurance company.

It is very important to classify the medical specialty to determine the premium rate. The higher the occupational classification assigned to the medical profession the lower is the premium rate. Different companies may assign a different class of occupation to the profession which might change the rate of premium. The financial planners or the agents are in a better position to advise the best insurance company to insure as per the medical specialty.

The Best Physician Disability Insurance

Like all professions doctors also take precautions to see that health and life insurance are taken care of in their life and try to invest wisely for a good retired life. But many times they do not take into account a disability or injury.

The chances of a disability and injury are quite high and at such times it is difficult for social security, worker’s compensation, insurance and savings to meet all the bills. Disability insurance is a necessity. You have to know what the coverage that the disability insurance provides and the policy that is not taxable. The agents are the best people to guide you in taking the right policy.

So, if you are a physician who wants to take disability insurance contact the agents to find out the best policy for you.

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Why Do You Md Own Specialty Disability Insurance

When it comes to insurance types that are usually very much ignored, disability insurance tops the list. This is due to the fact that you hardly see people paying for disability insurance as they are more concerned about auto insurance and the more popular type of insurances. Generally, you might not know about habits you indulge in or the fact that your health is deteriorating regularly until you are suddenly down. Furthermore, there are also a number of sudden disasters that could suddenly make an individual disable in an instant, especially accidents. This is apart from the unpredictable nature of the body as illness or disease that could lead to disability can attack an individual in an instant.

Md own specialty disability insurance is a type of insurance policy that covers a good percentage of your monthly income from your job in the instant that you are suddenly unable to do any time of work. Overall, you will be protected in terms of your finances, should you become unable to work. Most people find it difficult thinking about disability as nobody wishes to be disable. This notwithstanding, there are several people who due to one disability or the other cannot work. With a disability insurance, you will be protected from having to face serious financial hardships if you suddenly become disable. Here are some reasons why you should have a Md own specialty disability insurance.

Income Loss

A major reason why you will need Md own specialty disability insurance is as a result of income loss. If you are losing your source of income due to disability, you will be getting some paid sick leave. However, the expenses on diagnosing what is wrong with you, treating it and recovering from the disability could be huge. Furthermore, your monthly expenses such as feeding and toiletries amongst others will continue. Even though your medical bills are to be covered by a medical insurance, you can still become stranded due to the other expenses. Furthermore, when your source of income is completely cut off due to disability and you have bills to continue to run, own specialty disability insurance can go a long way to help you cater for your bills.

Medical expenses

Even with your medical insurance, the increasingly expensive cost of healthcare can be a major challenge. You will need to continuously pay bills and buy drugs all through the period you need treatment and recovering. There are cases where a therapists or other specialist might be required to speed up your recovery. All of these require a lot of money. The transportation to and fro the hospital for check-ups will also require spending more money.

Other expenses

Miscellaneous expenses will also come up while you are suffering from your disability and unable to do any paid job. Having enough money to still sometimes make yourself happy such as going for dinner and even attending birthdays and other celebrations with friends, will go a long way to save you from a stressful and boring life, during your period of disability.

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Disability And Disability Insurance For Doctors

Disability has been described as a condition in which the sufferer is unable to perform optimally the normal day to day functions which they used to be involved in. For doctors disability is a condition in which they are unable to attend to their patients any longer. They cannot carry out surgeries or go to clinic and all the other numerous activities which they are usually involved in.

During the course of work and over a period of time, it is possible for a doctor to develop some kind of disability or the other which can seriously impair the functions of the doctor. Doctor Disability Benefitsdescribes the way which insurance can be used to ensure that doctors do not suffer unduly in the case of any eventuality and they get disabled and unable to work.

Some of these disabilities include

1. Cardiovascular diseases and diseases of the circulatory system- this might be due to the fact that long hours are spent standing up and working. It has been noticed that a lot of doctors suffer from heart diseases and circulatory system health challenges. When these sicknesses impair and affect the normal day to day function of the doctor then his ability to function and attend to his clients is impaired.

2. Musculoskeletal illnesses- the long hours of standing and not sitting down can also affect the bones and joints of doctors. This can lead to illnesses such as rheumatism, arthritis and the likes. One problem with these illnesses is the amount of pain which sufferers go through over the course of the illness. This suffering makes it most of the times impossible for doctors to attend to patients and perform surgeries.

3. Mental disorders- doctors are also human like the people they treat and so they are also prone to suffering from whatever illness which humans suffer from. One of such problems is psychiatric illness. Some doctors while on the job have been seen and reported to have exhibited erratic behaviour. When this wrong behaviour was brought under scrutiny, they found out that the doctors were actually suffering from one mental illness or another ranging from plain depression to schizophrenia and even manic depressive disorders. All these illnesses will certainly affect the doctor’s ability to function optimally and properly. In such an instance such a doctor might be asked to stop working.

All the illnesses mentioned above and much more can deter a doctor from being able to continue to function well in the capacity which is expected of him. When a doctor suffers from any of such disabilities, it will be a thing of sadness if such a doctor does not have an insurance plan. A disability insurance plan is a kind of insurance plan. If a doctor takes out a policy which has disability insurance as the thrust of its focus, such a doctor is better placed to ride out the waves of life which such disability has thrown at him.

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