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| Articles about
Question And Answer
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to more articles at bottom of page |
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Advanced
Cash-Advance Techniques
 I
have a 0% interest card and plenty of balance so it seems like a
good idea. Problem is the seller is a private party. Obviously I
can't use a convenience check or a cash advance or I'll blow the
interest strategy. Is there a way to pay a private party so that it
appears as a purchase on the card and not an advance? I have checked
out PayPal but I'm not sure the seller is Internet active.
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So
Far In Debt; Can't Seem To Breathe
Help please! I am so far in debt and
can't seem to breathe. I have 6 credit cards and I am $25,000 in
debt. I know you hear this all the time, I have been paying for over
2 years not charging anything and still can't get anywhere.  I cut
them 2 years ago, and called the companies to ask for a lower rate.
They gave me like a year with low interest, and lower payments so my
credit reports would not be hurt.
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Make Payments For Son's Car
My
son purchased a car for $15,000 at a high rate of interest. He's
been paying for 32 months and he still owes $11,000. He has just
been laid off and to top it off the car has blown the engine.  I
would like to help him pay the loan off to keep his credit rating
but would like to negotiate the amount down. What are the chances?
Would he be better off to let it be repossessed? This would be to
nobody's advantage. Please advise.
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Amortized
Loans
 I would like to know what the
formula is for an amortized loan. How exactly do they calculate each
payment? I suspect that all the interest for the loan term (i.e., 30
years, 15 years, etc.) is loaded up front in some way, but I would
like to know exactly HOW? I want to teach my teenagers about this. I
think it's very important for everyone to know.
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Wanting a Newer Car
My husband and I are in quite a bit of credit card debt and my
husband wants a newer car. He says that his car won't last two more years.
We are trying to save a little bit but we don't have any
 money to
put down on a car. We have money to pay our bills which is not the
problem. We just don't have a whole lot of money left over after
paying our bills. What would you suggest we do about this situation? |
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Which Credit Cards Look Better on
Your Credit Report
 I have been told that certain credit cards (e.g. Capital
One, Cross Country, and others like those) do not carry a lot of
weight on your credit report. I was always under the impression that
all credit cards carried the same weight. What is the truth? |
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Helping
Daughter With Debt
Our daughter,
who is 31 and single, has $15,000 in credit card debt
that would we like to help her get out from under.
This debt consists of two different maxed out credit
card accounts that are both charging very high
interest rates, as well as late charges and over the
limit fees.  We are considering refinancing our
mortgage, which currently has a balance of $47,000 and
a 5.75% rate. Is this a good solution or not? |
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