Melissa Kellett's Articles in Finance


  • A Simple Approach To Credit Card Debt Reduction
    Credit card debt damages the average American’s credit due to its consequences. The missed payment and default ratio on credit card debt is increasing at disturbing rates. Fortunately those who are motivated and want to escape the vicious circle of debt can resort to certain simple methods for reducing debt. If your credi ...

  • An Intelligent Borrower
    Whatever situation you are in, don’t fall into the hands of despair, mainly because it is spotted by scammers, eager to get their hands on your most valuable asset: Your home. If you need a loan, you don’t have to feel guilty or desperate. There is always a way out. It just takes a little creativity, and creativity come ...

  • Avoid The Eternal Credit Card Debt Threaten
    When talking about credit cards, the first thing that comes into our minds is â€Woww, Iâ€m important!â€. In the primeval times of â€plastic moneyâ€, it meant having a lot of money put into a little slip of plastic. As time went by, more and more people began to use it and knew very little about the stumbling blocks. We ...

  • Bad Credit And Bankruptcy Together Are Explosive But...
    In modern times, bankruptcy is not the final disgrace it used to be, say, in the Middle Ages. Today there is a great awareness of people’s rights to put the broken bits together and start all over again†but doing things better. As for credit, there are some interesting aspects to take into consideration.

  • Bad Credit And The Costs Of Financing
    Bad credit has usually terrible consequences for the finances of those that suffer it. Particularly, when it comes to obtaining funding for any purpose, the costs associated with financing for those with a bad credit score or history are significantly higher than that of those with a regular credit for similar financial pro ...

  • Beware Of Store Credit Cards
    Store credit cards are offered every day by retailers with promises of discounts and special offers. It’s almost impossible to say no to those 10% to 20% discounts on your first purchase and subsequent discounts on other purchases. But is taking store credit cards really to your advantage? Do you really end up saving that ...

  • Buying Properties Under Foreclosure Can Be An Excellent Deal
    Properties that are subject to foreclosure are auctioned and you can get bargains by purchasing them. However, making a good deal out of a foreclosure needs some inside details and techniques that you need to learn. There are also some dangers that you need to take into account because there is always a bit of risk involved ...

  • Cash Back Credit Cards Can Turn Out Expensive
    There are many different types of credit cards on the market, each one with different benefits and advantages. There are so many options that it is sometimes very difficult to decide which one is more appealing. Cash Back Credit Cards, for example, seem very attractive. However, you should know that these cards can turn out ...

  • Combining Financial Products For Starting A Business
    When you want to start a business, it is sometimes difficult to raise the money you need to pay for all the expenses associated with such a process. A new business project is always expensive and almost always you’ll need finance in order to afford it. However, it is possible to combine different loan products in order to ...

  • Compare Credit Card Offers To Get Better Deals
    There are many credit cards being offered out there and you should not fall prey to the first credit card issuer that contacts you. By comparing what the different issuers have to offer you’ll be able to get better terms on your credit card contract and maybe some plus like reward programs or discounts on other financial ...

  • Credit Cards After Bankruptcy: Is It Feasible?
    Getting any kind of finance after going through a bankruptcy process is not an easy task. When it comes to credit cards, given that they constitute an open line of credit, there are even less chances of getting approved since the lender has little control on the repayment process and thus, the risk is greater. Yet, it is po ...

  • Credit Cards, Those Convenient Little Pieces Of Plastic
    Getting a credit card is not at all difficult. But take a person who has bad credit, and something will begin to stink in Denmark. Fortunately there is always a way out and it may be an interesting experience to learn how to correct mistakes, especially when they are made in the real outer world, where things are so much ha ...

  • Discount Points, Are They Really Convenient?
    As confusing as the APR, is the concept of points. Simply put, each point is one per cent, also called one percentage point. But how does it affect the outcome of your mortgage? Points and APR are also in close interaction. Let us see how points are applied and how they come into contact with the APR.

  • False Claims On Government Grants
    There are many sites out there making incredible claims about how they can get thousands of dollars for you for free by getting for you government grants. You need to be well aware that most of these claims as false. Though there are sites offering legit advice on how to apply and get approved for government grants, there a ...

  • Financing College Studie With Home Equity
    It is possible to finance family member’s college studies with the equity on your home. However, you need to understand the advantages and disadvantages of doing so in order to compare these loans with regular student loans so you can decide which option is the best for you and which loan best suits your needs and budget.

  • Financing Golf Lessons And Equipment
    Golf is an expensive sport. Some time ago, it was only reserved for businessmen and well paid professionals. Fortunately, it has become very popular and more and more people are practicing this sport. However, the prices of the equipment continue to be high and thus, not everyone can afford them. Also, the lessons you shoul ...

  • Get Cash Out Of The Title Of Your Car
    For those who need finance and can not seem to get approved for an unsecured loan, there are alternatives that should be pondered before resorting to bad credit loans. There is a particular financial product that provides finance with reasonable terms and advantageous loan conditions: Auto Title Loans.

  • Get Lower Monthly Payments With Homeownership
    Being a homeowner will provide you with many benefits when applying for all kind of loans. If you are a homeowner you can get lower monthly payments on secured loans like home loans and home equity loans but also on unsecured loans like personal loans, lines of credit, cash advances, etc. Thus if you are a homeowner do not ...

  • Home Improvements Via Cash Out Refinance
    It is possible to get all the finance you need to make home improvements by refinancing your home loan with a Cash-Out Refinance Mortgage Loan. If there is sufficient equity on your home you will be able to get all the money needed to pay for the materials and professional fees with a quick and hassle free approval process.

  • How Many Credit Cards Are Too Many?
    Most Americans have between four and twelve credit cards in their pockets. There are also those who have even more rising up to twenty or more. Have you ever wondered how many credit cards are too many? How does the amount of credit cards you carry affect your credit report and score? Here are some thoughts about the subjec ...

  • In Times Of Great Debt, Who Do You Pay?
    You’ve run into more debt than you can pay. Phone and doorbell buzz every little while with unpaid bills and collectors. You decide to perform major surgery on your debts. Now, who do you pay and who do you leave out? It’s not that easy, having pressure from all or most creditors. Here are some useful tips for establish ...

  • Interest Rates: A Stagnant Pond Or Boiling Milk?
    The interest rates set by the US Federal Reserve have a great effect on most aspects of economy, not only in our country but in many other countries as well. They have been very low for a long time and the subject begins to appear on the headlines of major publications. Will they stay as they are for some time to come, as t ...

  • Is It Really Risky To Have A Heavy Installment To Pay?
    It is true that whenever you have an important monthly payment to make, it usually has the risk of late payments or literally defaulting. With the example story I am about to disclose, I wish to show that if one is really intent on getting by, nothing will get in the way.

  • Killing Debt With Debt: Worth While Analyzing
    When you get up one morning and go through your mail with nothing but unpaid bills, some of them past due date and a summons from the credit card guys to hand in your card, you start getting the shakes. What now? Saying things like â€I knew this was going to happen†or â€I told you†are of no use. Action must be taken ...

  • No Money For A Holiday? Who Cares?
    Personal loans are the best option when you don't want to overload your credit card. Run away from the possible refinancing of your balance and having to pay double interest, by taking a healthy personal loan with better repay conditions. Take a fabulous holiday wherever you wish, like you haven’t had for ages.


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