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Abigail Franks's Articles in Finance

  • Why People with Bad Credit may Need Even More Credit
    There are two types of people that typically have bad credit. There are those that have run up debts over a period of months or years paying for extravagant consumer items and basically living a higher standard of living than their paycheck would support. The last thing this type of person needs is additional credit.
  • WARNING! Payday Loans Are a Bad Deal... or Are They?
    For those who don't know, a payday loan is simply an advance on your next paycheck. These are available online and throughout the country and are offered to help consumers who run into an emergency situation that need cash fast. These payday loan services, and literally deposit into any working persons bank account the proceeds of their loan within hours.
  • Saving Money - Revenge of the Maintenance Monster
    ok, basic maintenance and cleaning doesn't need to be a big deal. Still, if you're interested in saving money on your utility bills and having your appliances work their best, a little occasional maintenance can go a long way.
  • Refinancing A Home Mortgage Can Be A Great Way To Realign Your Resources
    Refinancing real estate is a big business. You may have heard the term "conforming" and wondered what a loan would conform to? The answer is that loans that have certain characteristics and are of a certain type of considered confirming and can be sold into the stock and bond market.
  • Payday Loans and a Nightmare Waiting to Happen
    Payday loan companies have been accused of charging extremely high interest rates by the government and so-called consumer groups. The fact remains however that your local bank may be charging interest in the form of huge fees that is actually a lot higher than a payday loan service.
  • New Rules for Donating your Car to Charity
    In prior years, if you wanted to donate your car or other vehicle to a charity, it was easy. All it took was to select the charity, give them a call and they would pick it up and the ownership documentation. This part is still easy and many charities advertise how easy this part is for you. If you want to claim a tax deduction for that car donation however, the tax rules have changed a little.
  • Is a Bill Consolidation Loan for You?
    If you are like most of us you've probably noticed the huge increase in the number of debt consolidation loan advertisements on the television. While watching the ads, you can get the mistaken belief that these companies are interested in helping you and have your best interest at heart
  • Government Grants For Starting Or Growing A Small Business
    This isn't to say that assistance isn't available at all, just that grants are probably a long process when and if you happen to find one where your small business fits. There are other ways however that you might explore to fund a small business. Of these small business financing options, one of the most popular is the loan.
  • Does a Credit Card for People with Poor Credit Make Sense?
    Surprisingly, the answer to this question may be yes! There are many reasons why people get into financial difficulty and end up with poor credit. While credit card debt is one of the two major reasons that people find themselves deeply in debt, the reason for the debt situation is important.
  • Consider All Options Before Taking Out A Bad Credit Loan
    It's happened to almost everyone at one time or another. Unexpected expenses come up and there's no paycheck left after paying all the regular bills. The answer for many is to obtain a signature or unsecured personal loan. These types of loans are used by many people but especially those with a bad credit history.
  • Be Debt Free in 2007!
    No, I'm not talking bankruptcy. If there's one key to living as debt free as possible, it's controlling spending instead of allowing spending to control you. Money and how we spend it is as much an emotional decision is a financial one. By working to separate the emotional from a financial, you will be able to take charge of your money and your life.
  • Are Payday Loans Really As Expensive As They Claim?
    It seems as if the financial industry has taken it on themselves to destroy the working poor if only to enrich huge corporate juggernauts. While many so called consumer watchdog groups and even the Federal Government are wringing their hands proclaiming the payday loan industry charges huge fees, they purposly ignore the fees charged by the banking industry.

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