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Jay Moncliff's Articles

  • Plan On Investing For Your Education Of Your Child
    Our children are the most beautiful part of our life. And all parents want to give their children a better and brighter future than what they had themselves received. This article throws light on some effective and viable saving plans for the higher education of your child.
  • 3 Effective Schemes To Recover Debt
    Debts incurred if not managed effectively go on accumulating and this can lead to the debtor ultimately turning bankrupt. Nonpayment of the debts can also be severely frustrating and stressful to the lender. These problems are more significant in the corporate and business sector. Thus businessmen and lenders arm themselves with the following strategies to recover debts:
  • Advantages Of Debt Settlement
    As you prolong paying off your debts, the interest rates rise, the debts begin accumulating and they seem to be never diminishing. During such a situation people become desperate and consider filing for bankruptcy. However before plunging into this, debt settlement may prove to be very beneficial.
  • Fix Your Bad Credit History In 10 Ways
    If the finances are not managed well and the payment schemes are not properly planned the debts can escalate. Escalating debts and a failure to make the necessary payments results in a bad credit history. This record cannot be easily wiped off. It takes a lot of efforts.
  • Financial Planning: What’s your Designation?
    If you’re shopping for financial planning services, it may seem like a jungle out there. There are advertisements everywhere, and everybody seems “nice,” but nice won’t cut it when it comes to your money. How can you cut to the chase and find a financial planning expert that you can trust.
  • What is debt management?
    Debt management is a topic most people will have to deal with at some point. Debt is acquired by not living within your means. Living within your means is simply that you do not spend more than you make. Debt management is controling and managing debt responsibly. To reduce or eliminate debt and create a cash flow that keeps you out of debt is debt management. To completely control your debt you need to make a budget, reduce expenses and focus on paying debt. This is the essence of debt management.
  • I Can’t Pay my Loan-Student Guidelines for Recovery
    You graduated and now your student loan is due. The job hasn’t come through yet, or you are just in over your head. What can you do about that student loan?
  • What Financial Services do Credit Unions Offer?
    If you’re looking for financial services, you may want to consider checking out what your credit union has to offer. Many credit unions today offer more than just a checking and savings account, they’ve expanded into upgraded financial services tailored to meet many needs.
  • Debt Reduction, a Necessary Endeavour
    Massive debt is something many Americans face. Debt reduction is now becoming more and more of a necessity. Even a low amount of debt can cost you a lot in the end and it can take a very long time to pay off. An example: Let's say you have $4000 in credit card debt and your interest rate is 14%. If you only make the minimum payment each month, it will take you 21 years to pay it off and you will have paid over $5100 in interest. Doesn't that sound awful? This is why you may be interested in debt reduction.

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