Settling your credit card – A review of the pros and cons

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Credit cards carry outrageously high interest rates but they can be used properly to maintain a good credit score. Despite knowing this, how many of us use credit cards in a proper way? In fact, there are very few who are even aware of what is responsible usage of credit cards. Are you too following the herd? Do you carry credit cards in your wallet only to misuse them and incur credit card debt? If...

Structured settlements – What are they and how do they work?

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There has been always too much discussion about structured settlements but do you know what they are? A structured settlement is a different kind of annuity that pays you a reward from lottery winnings, worker’s compensation claim or any other personal injury cases, that comes in the form of either a legal settlement or a lump sum with certain tax benefits. The owners of the structured settlements...

Making home buying easier – Should you use a broker to locate a lender?

Whether you’re shopping for a new mortgage loan or you’re refinancing your current loan, you will have to decide between working directly with a mortgage lender and hiring a mortgage broker. Especially when you’re new into the mortgage industry, you’re vulnerable to the scams of the shady mortgage lenders and therefore you need to make sure whether you’re taking the right decisions. Being...