The holidays are coming, and we’re here to urge you not to take on any more credit card debt this year.  So make a resolution this year to stay off the plastic, and only spend cash for your holidays.  Here’s how.1.    Figure out where you went wrong last year. Did you spend too much on gifts?  Was your Thanksgiving feast overly elaborate?  Did you spend too much on travel?  Figure out what your weakest areas are, so you know to keep a handle on them this season.2.    Lock the cards away. The best way to avoid temptation is to keep it well out of reach.  So, lock your cards up for the holidays.  Make them accessible without being easy to get to: i.e. where some people may take the step of freezing their cards in a block of ice, you should probably just keep them in your sock drawer.3.    Budget, budget, budget. First an

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Today, one-third of the American population has a credit score below 620. Unfortunately, a credit score of 620 isnt going to get you anywhere, even with those loan programs which claim your credit score isnt much of a concern.

While the FHA says that there isnt a minimum credit score to gain their approval, Lenders on the other hand, will not make FHA loans to applicants whose credit scores are below 640, explains loan officer and HSH.com contributing writer Dan Green.

So, even though the FHA has no credit-score requirement, lenders do. As such, applicants with low credit scores are often denied FHA financing.

Heres how to improve your score

As I said, dont wait for a lender to tell you your score isnt high enough, work to improve your score before you apply for a home loan. Acco

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Housing Assist of America, Americas #1 Short Sale Specialist announced a 75% success rate for helping distressed property owners during the nations housing crisis. With more than 336,173 foreclosure filings reported in the month of June, 2009 and 1,905,723 foreclosure filings, default notices, auction sales notices and bank repossessions we reported on 1,528,364 U.S. properties during the first six months of the 2009 year. Those numbers represent a 15% increase in total property filings for 2009 and the fourth straight month of 300,000 filings.

The numbers say that this is a crucial time not only for the housing industry, but more so for the home owner, said Housing Assist of America President, Aram Afshar. We talk and meet with hundreds of people a month who are on the verge of losing their home and not being able to purchase another one for 10 years because of foreclosure.

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Credit cards today are as good as cash. You can pretty much buy anything you want with it. You can buy fuel, you can pay your electric bills online, and you can purchase clothes and even food and grocery items and then easily charge them into your credit card. Because almost all business establishments today accept credit card transaction, more and more people are enticed to have one or two and even three different credit cards and use them simultaneously. Credit cards are very convenient to use and they are as good as cash. However, because of this convenience, people who have very little control over their spending habits are now suffering from piled up credit card debts.

If you have been spending sleepless nights wishing all your debts to go away then you might as well wake up, face your situation, evaluate your debt and then seek for a good solution. Full Article…

In the movie “Duck Soup,” Chico Marx poses the politician’s most important question: “Who you gonna believe, me or your own eyes?”

In 2010, voters looked at the President’s plan to overhaul health care and rein in Medicare spending and decided, by and large, they did not like it. Newspapers and broadcasts were filled with details of the plan. Yes there was lots of misinformation, but there was lots of information out there too.

Voters decided with their own eyes on “Obamacare.” And yet, many Democrats still argue, if only the law was better understood, it would be more popular. In other words, Democrats asked many voters, “Who you gonna believe, me or your own eyes?”

Now it is the Republican’s turn. Prompted by concerns about the Ryan budget’s cuts in Medicare, voters in a safe Republican district in New York elected a Democrat.

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Advantages of Online Credit Card Processing

If you own an online business and don’t already accept credit card payments you should consider doing so immediately. Nowadays upwards of 80% of consumers use credit cards to pay for products and services online. If you don’t accept credit card payments regardless of how small your business is, you risk losing customers and profits.

Credit cards are often preferred by customers because they are safe, secure and easy to use. Many people rely on credit to buy gifts and business items. Some customers will walk away from a website and not even look at the products and services if they know that credit card payments are not accepted. For that reason alone it is very important you consider credit card payments. Her

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