What’s a Chapter 13 Bankruptcy?

29 Jun 2011 | by Billy Miller | No Comments »

Chapter 13 is a type of bankruptcy.  It’s an option for individuals who can’t qualify for Chapter 7, and have property and assets they want to keep.  In order to qualify you have to have enough ie to pay expenses and pay off debtors.  This person has regular ie and can pay living expenses but can’t pay their debts regularly.  Debt is restructured and some creditors will be paid back in full with interest, some in full and others will be repaid a percentage of the debt.

The U.S Bankruptcy code defines the eligibility to file for Chapter 13. It is bas

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Tags: Bankruptcy Chapter 13

Best credit cards for overseas usage

29 Jun 2011 | by Porfirio Hillman | No Comments »

If you travel frequently you must include the cost of using your credit card abroad.

USING YOUR CARD ABROAD

No matter how attractive purchase of balance transfer new deals may look, if you travel frequently, you must include the cost of using your card abroad, in any calculations.

For example, Barclaycard Platinum charges a 2.75pc foreign exchange fee for purchases. Withdrawals at cash dispensers cost 2.5pc on top, making a total charge of 5.25pc. MBNA’s forex fee is 2.99pc and Amex’s 2.75pc.

By contrast, Santander’s Zero charges nothing for forex transaction or cash withdrawals. However, it levies a £10 dormancy fee, if the card is not regularly used. Interest on cash transactions is high at 27.9pc, with 18.9pc APR representative rate on other balances.

Similarly, Halifax’s Clarity card, which charges 12.9pc makes no overseas or cash dispenser charge, and levies no fee for transferring balances. Full Post…

Tags: Credit Credit Cards

A Comparision of the Discover Cash Back Cards

28 Jun 2011 | by Porfirio Hillman | No Comments »

Discover offers three popular cash back cards and each card allows members to earn a percentage back on their purchase. Today we are going to compare the Discover More Card, Discover Motiva Card and the Discover Open Road Card. Below we have highlight of each card and a table which will give you a side by side comparison. By comparing the benefits of each card you can determine which card will work best for you based on your spending habits.

The Discover More Card is a rewards card that offers cash back on all your purchases. You can earn up to 5% cash back in rotating categories. The card offers 0% on both balance transfers and purchases. There is no annual fee with this card. Here are the details of this offer:

  • 0% intro APR on balance transfers for 18 months, then the variable APR of 11.99% – 20.99%
  • 0% intro APR on purchases for 6 months, then the variable APR of 11.99% – 20.99%
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Ranked #1 in customer loyalty
  • 24/7 access to a U.S.

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Tags: Back Cards Cards Cash Back Cash Back Cards

Latest Data From Fannie Mae’s Housing Report

27 Jun 2011 | by Billy Miller | No Comments »

Fannie Mae is The Federal National Mortgage Association (FNMA). Fannie Mae operates in the U.S. secondary mortgage market and works with mortgage bankers, brokers and other primary mortgage market partners to help ensure they have funds to lend to home buyers at affordable rates.

Fannie has been conducting a survey called the “Fannie Mae National Housing Survey” for the following times: first quarter 2011, fourth quarter 2010, January 2010, June 2010 and December 2003.  The survey covers opinions on owning and renting a home, current household finances, view of U.S. finance system and confidence in the economy. The

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Tags: Fannie Fannie Mae’s
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