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	<title>My Guide To Debt</title>
	<atom:link href="http://www.myguidetodebt.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.myguidetodebt.com</link>
	<description>A guide to personal finance and debt.</description>
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		<title>Why Purchase Term Life Insurance?</title>
		<link>http://www.myguidetodebt.com/why-purchase-term-life-insurance/</link>
		<comments>http://www.myguidetodebt.com/why-purchase-term-life-insurance/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 15:09:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.myguidetodebt.com/why-purchase-term-life-insurance/</guid>
		<description><![CDATA[Term life insurance is still the most popular type of life insurance on the market. In this article, we are going to take a closer look at the main reasons why term life insurance is a good option to consider.
Term life insurance is popular because it offers the same comprehensive life insurance coverage as other [...]]]></description>
			<content:encoded><![CDATA[<p>Term life insurance is still the most popular type of life insurance on the market. In this article, we are going to take a closer look at the main reasons why term life insurance is a good option to consider.</p>
<p>Term life insurance is popular because it offers the same comprehensive life insurance coverage as other more expensive life insurance options. You can provide your family with the right amount of coverage and adjust the term of the policy accordingly.</p>
<p>Term life insurance is also superbly affordable. The insurance premium for a term life policy can be up to 70% lower than a whole life insurance policy that offers similar basic benefits. The affordability is one of term life insurance’s biggest appeals.</p>
<p>Let’s not forget that most term life insurance nowadays are offered with guaranteed renewability and other positive conditions. With the term being highly adjustable and the policy itself being customizable, term life insurance can be the perfect solution for maximum protection.</p>
<p>So, what are you waiting for? Find <a href="http://www.lifeinsurancedirect.com.au/">term life insurance quotes</a> today and see for yourself just how beneficial yet affordable a good term life insurance policy can be. Settle for the best term life insurance policy on the market and enjoy its benefits.</p>
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		<title>Release of equity with a mortgage</title>
		<link>http://www.myguidetodebt.com/release-of-equity-with-a-mortgage/</link>
		<comments>http://www.myguidetodebt.com/release-of-equity-with-a-mortgage/#comments</comments>
		<pubDate>Mon, 02 May 2011 23:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.myguidetodebt.com/release-of-equity-with-a-mortgage/</guid>
		<description><![CDATA[If I was to us the question of how many homeowners have managed to pay off a significant portion of their residential or buy to let mortgage can bet the answer would be quite a lot. In addition if I was to ask how many of these homeowners who have paid off significant amount of [...]]]></description>
			<content:encoded><![CDATA[<p>If I was to us the question of how many homeowners have managed to pay off a significant portion of their residential or <a href="http://www.buytoletmortgage.org/">buy to let mortgage</a> can bet the answer would be quite a lot. In addition if I was to ask how many of these homeowners who have paid off significant amount of their mortgage have exercised <a href="http://www.releaseequity.net">equity release</a> with a remortgage then I guess the answer might be not too high.</p>
<p>The thing is that many of the property owners who have little or no mortgage left on a property are normally happy that situation to continue until the end of their life. In fact you may think this to be the case with most of the property owners. Not everyone uses the opportunity to release equity from their home before they die. The fact of the matter is this is an opportunity that is missed by many. This may be to do with how we have always lived and when it comes to the end of our lives we expect our family members to inherit our properties.</p>
<p>Releasing equity with a remortgage is an excellent way to turn their equity that is locked in your home into hard cash. Many people overlook using a remortgage to release capital on their property and put the cash to good use over the course of their lifetime. Having said that there are those, especially those were heavily involved in the property investment game, who have used remortgaging to the best advantage to release equity from properties and reinvest that capital back into further property investments.</p>
<p>Equity release does not have to be confined just to investing. Taking out a new mortgage and your property to release capital can help you raise money for any reason whether that be money for home improvement, more holidays, better car and so on.</p>
<p>If you like the idea of releasing equity from your home with a new mortgage and get yourself over to a good mortgage broker to find out what options you have available before you.</p>
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		<title>Living Debt Free</title>
		<link>http://www.myguidetodebt.com/living-debt-free/</link>
		<comments>http://www.myguidetodebt.com/living-debt-free/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 23:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Advice]]></category>

		<guid isPermaLink="false">http://www.myguidetodebt.com/living-debt-free/</guid>
		<description><![CDATA[
	It is possible to get yourself out of debt and live debt free.&#160; This might sound like an impossible feat to those who are up to their ears in debt but with some guidance, you too can accomplish this.&#160;&#160; You begin by creating a budget.&#160; You sit down with pencil and paper or get a [...]]]></description>
			<content:encoded><![CDATA[<p>
	It is possible to get yourself out of debt and live debt free.&nbsp; This might sound like an impossible feat to those who are up to their ears in debt but with some guidance, you too can accomplish this.&nbsp;&nbsp; You begin by creating a budget.&nbsp; You sit down with pencil and paper or get a computer program budget and list all the money you have coming in each month.&nbsp; This will let you know exactly how much money you have to work with.&nbsp;</p>
<p>
	Then you create another list of where all your money goes.&nbsp; Rent, food, gas, clothing, entertainment, vacation savings and credit card payments. Don&#39;t forget ATM fees or quarterly insurance payments.&nbsp; When you can see in black and white where you money is going, you can then find ways to cut back in some areas.&nbsp; It doesn&#39;t take much, a little here and there and before you know it, you have more money to put toward your credit cards balances.&nbsp; This is your goal, paying off those balances.&nbsp;</p>
<p>
	You can also use coupons as often as you can to save money. Take a look at<u>&nbsp;<a href="http://discountvouchers.org/" style="color: rgb(61, 84, 89); " target="_blank">discountvouchers.org</a></u>&nbsp;next time you need&nbsp; a item or a service and see how much you can save.&nbsp; There is also an Equifax discount code to save on your credit score report.&nbsp;</p>
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		<title>Ways to Grab Hard Cash Swiftly</title>
		<link>http://www.myguidetodebt.com/ways-to-grab-hard-cash-swiftly/</link>
		<comments>http://www.myguidetodebt.com/ways-to-grab-hard-cash-swiftly/#comments</comments>
		<pubDate>Wed, 12 Jan 2011 10:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.myguidetodebt.com/ways-to-grab-hard-cash-swiftly/</guid>
		<description><![CDATA[
	Anytime you really need money quick, regrettably there&#39;s just a small number of possibilities available to you. Right before the tail spin in the economy, layoffs, not to mention the crash in the construction marketplace, quite a few consumers would borrow via family group. Today, virtually all individuals and their families not surprisingly don&#39;t have [...]]]></description>
			<content:encoded><![CDATA[<p>
	Anytime you really need money quick, regrettably there&#39;s just a small number of possibilities available to you. Right before the tail spin in the economy, layoffs, not to mention the crash in the construction marketplace, quite a few consumers would borrow via family group. Today, virtually all individuals and their families not surprisingly don&#39;t have an adequate amount of cash to offer. This situation has pressed consumers to utilize neutral entities anytime a disastrous situation unfolds or anything unanticipated arises.</p>
<p>
	Fast cash advances are one of the speediest and simplest alternatives to find funds. You may find bonafide <a href="http://www.payday-loans.co.uk/">loan merchants</a> on the web who advertise cash advances at a great rate making the experience free of hassle. It doesn&#39;t matter how great or awful your current credit worthiness is, and they won&#39;t grab the property or vehicle to have collateral. You need to simply provide proof of employment plus your banking coordinates plus your completed application form. Irrespective of where you are located, the cash may well be in your own bank account as soon as the following business day. You could get as many online payday loans as you would need to make it through this hard time, plus you never have to leave your house to accomplish it.</p>
<p>
	Unquestionably, pawnbrokers might be yet another good way to get your hands on funds very fast. You just need to grab your surplus possessions and get them to your close by pawnshop where they usually are exchanged for cash-on-hand. Or, you might take down your upper end goods to a place where they may keep them in exchange for cash money. You will then have all around thirty days to repay the cash loan together with the lender&#39;s charges or forfeit your pawned stuff. Lamentably, this specific tactic is not always viable. You can&#39;t say everyone has access to a pawnbroker&#39;s, and unearthing one that will pay you evenhandedly is scarce. And the second drawback is that many folks just can&#39;t or aren&#39;t prepared to part with their high value goods whereas marginal products as a rule will not be worth the trouble. Additionally, in fiscally hard times pawnshops tend to value down lots of items that will fetch consiberably more money in a blooming economic environment based upon full employment.</p>
<p>
	Quite a few people believe that taking up pro tem or transient employment is the simplest way to earn additional funds. This is in most cases an amazing strategy given that it implies you may very well pick up cash without borrowing it, yet this procedure is not totally without its drawbacks. Tracking down occupation and being appropriately compensated commonly can take much longer than you are able to manage with assuming you can get the job done. Also, it may also require a long time to acquire adequate day-to-day money. Odd jobs plus making use of pawnshops will get you the income you need to get, on the other hand you won&#39;t always have either the time or sufficient energy. For times like these, look to effortless, helpful and sensible online payday loans originating from a professional online specialist</p>
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		<title>What is ChexSystems?</title>
		<link>http://www.myguidetodebt.com/what-is-chexsystems/</link>
		<comments>http://www.myguidetodebt.com/what-is-chexsystems/#comments</comments>
		<pubDate>Tue, 26 Oct 2010 06:56:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[The term “ChexSystems” is commonly used in the banking industry. If you are dealing with bad debt problems or if you are familiar with the use of checking accounts, you should know what ChexSystems is and how it can influence your personal finance. In this part, we are going to talk about the basics of [...]]]></description>
			<content:encoded><![CDATA[<p>The term “ChexSystems” is commonly used in the banking industry. If you are dealing with bad debt problems or if you are familiar with the use of checking accounts, you should know what <a href="http://www.chexaccount.com">ChexSystems</a> is and how it can influence your personal finance. In this part, we are going to talk about the basics of ChexSystems.</p>
<p>ChexSystems is a nationwide database of people with bad banking history, especially reports related to the use – or rather misuse – of checking accounts. When you are listed in the ChexSystems database, banks that review the ChexSystems report will not grant you a new bank account.</p>
<p>If you feel the ChexSystems report on you is incorrect, you can file for a dispute. To be able to do that, you must first ask for a copy of your ChexSystems report. Review the details in it and see if they are correct. If not, you can write a written claim and send it to ChexSystems for further processing.</p>
<p>There are also <a href="http://www.chexaccount.com/free-list-of-non-chexsystems-banks/">banks that don&#8217;t use ChexSystems</a>. Even when you are listed in the ChexSystems database, you can still open a new bank account or get a checking account from these banks. Alternatively, you can also get prepaid debit cards as a bank account replacement.</p>
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		<item>
		<title>Click and Save</title>
		<link>http://www.myguidetodebt.com/click-and-save/</link>
		<comments>http://www.myguidetodebt.com/click-and-save/#comments</comments>
		<pubDate>Tue, 28 Sep 2010 06:56:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Vouchers, rebates and coupons are all ways to save money on those things we purchase.  They can be a big savings or a small one but either way they allow us to not pay full price.  Airline tickets at a discount happen everyday and people who travel can also make use of a [...]]]></description>
			<content:encoded><![CDATA[<p>Vouchers, rebates and coupons are all ways to save money on those things we purchase.  They can be a big savings or a small one but either way they allow us to not pay full price.  Airline tickets at a discount happen everyday and people who travel can also make use of a discount on a rental car and their hotel stay.  Many people shop from home now as the internet has made it so easy to sit and click to save money.</p>
<p>Free delivery is another way to save and this is offered on every order from <a href="http://discountvouchers.org/pcworld.co.uk">PC World discount vouchers</a>.  This site is one of many computer oriented websites that offers gaming software, digital cameras and office supplies to name just a few.  No matter what you need or what you want, you can find coupons that will help you not pay full price.  This savings can put a smile on your face and stretch your dollar further than you thought possible.</p>
<p>Everyone can use these coupons so tell your family about them so they can pass the word to others.  No membership required and so sign up cost just free coupons, rebates, discounts and vouchers for everyone.  This makes shopping from home easy and fun and you can shop any time of day or night when it suits you. </p>
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		<title>Credit Card: Rewards</title>
		<link>http://www.myguidetodebt.com/credit-card-rewards/</link>
		<comments>http://www.myguidetodebt.com/credit-card-rewards/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 06:56:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Just like airlines’ frequent flyer cards, credit cards are used by issuers – usually banks and other financial institutions – credit cards do have loyalty or reward programs attached to them. By using the credit card frequently, you collect reward points. Later on you can exchange the reward points for various gifts and holiday packages.
To [...]]]></description>
			<content:encoded><![CDATA[<p>Just like airlines’ <a href="http://www.frequentflyercreditcards.com.au/">frequent flyer cards</a>, credit cards are used by issuers – usually banks and other financial institutions – credit cards do have loyalty or reward programs attached to them. By using the credit card frequently, you collect reward points. Later on you can exchange the reward points for various gifts and holiday packages.</p>
<p>To make it even better, some credit cards are designed to work as frequent flyer cards as well. <a href="http://www.frequentflyercreditcards.com.au/loyalty-programs/">Frequent flyer programs</a> are highly beneficial indeed, and you can safely gather miles to get that dream trip you have always wanted.</p>
<p>Prize draws are also quite interesting, but they are usually less rewarding compared to gathering credit card reward points. If you don’t know where to start, you can easily find resources discussing <a href="http://communication.howstuffworks.com/ff-programs.htm">how to build points</a> on this site and get started right away.</p>
<p>Last but certainly not least, the best reward program would be discounts and special offers. These discounts are usually available for a select group of customers using their credit cards frequently. Once you secure a spot as VIP, you can get a lot of valuable special offers and holiday packages. These are the rewards offered by credit cards and credit cards issuer; use the opportunity to get prizes and find the best credit card.</p>
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		<title>Renters Insurance Tips: Consulting Your Agent</title>
		<link>http://www.myguidetodebt.com/renters-insurance-tips-consulting-your-agent/</link>
		<comments>http://www.myguidetodebt.com/renters-insurance-tips-consulting-your-agent/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 16:44:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.myguidetodebt.com/renters-insurance-tips-consulting-your-agent/</guid>
		<description><![CDATA[There are a lot of sites offering easy access to renters insurance quotes. Since we already know the benefits of renters insurance, what’s left to do now is to lookup renters insurance tips and make sure the benefits that come with renters insurance can be maximized. To help you get started, let’s discuss the importance [...]]]></description>
			<content:encoded><![CDATA[<p>There are a lot of sites offering easy access to renters insurance quotes. Since we already know the benefits of renters insurance, what’s left to do now is to <a href="http://www.rentersinsurance.net">lookup renters insurance tips</a> and make sure the benefits that come with renters insurance can be maximized. To help you get started, let’s discuss the importance of consulting your insurance agent to get valuable renters insurance tips.</p>
<p>The first thing you should do whenever you need to get renters insurance is of course get as much quotes as possible. A reliable insurance agent – as well as online search tool – can help you do just that in an instant. This is when you should start asking questions. There are a lot of topics that need to be understood, so don’t hesitate to ask questions whenever you have to; the insurance agent’s main task is to answer all your questions, and they will be more than glad to do so.</p>
<p>Once you pick the right renters insurance policy to purchase, you can continue by finding tips on how you can reduce the insurance premium even further. In this case, an insurance agent can inform you about evaluation and assessment methods commonly used by insurance companies; you will be able to spot which factors to improve to reduce the insurance premium right away.</p>
<p>For seeking local renters insurance, for instance <a href="http://www.rentersinsurance.net/long-beach.html">Long Beach renters insurance</a>, you can easily contact local insurance agent and find valuable options as well. If you already purchased other kinds of insurance policies, you can simply contact your current agent or insurance company and ask about renters insurance; you should be able to get one affordably since you will automatically get discounts for the purchase.</p>
<p>After the purchase, you can still contact the insurance agent to get valuable tips on various subjects including filing for an insurance claim, assessing damages, and other related topics. Getting the most out of your renters insurance will not be difficult to do at all, since now you have all the knowledge you need. Take your time and find valuable tips right away, and you will be financially safer in no time.</p>
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		<item>
		<title>Start the New Year with a New Lifestyle</title>
		<link>http://www.myguidetodebt.com/start-the-new-year-with-a-new-lifestyle/</link>
		<comments>http://www.myguidetodebt.com/start-the-new-year-with-a-new-lifestyle/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 06:56:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[There is no better time to start changing things and pursuing a better and healthier lifestyle than the beginning of a new year. 2010 should be the year you change your lifestyle into a healthier one indeed, especially because the year also marks the beginning of a new decade; you can set short-term and long-term [...]]]></description>
			<content:encoded><![CDATA[<p>There is no better time to start changing things and pursuing a better and healthier lifestyle than the beginning of a new year. 2010 should be the year you change your lifestyle into a healthier one indeed, especially because the year also marks the beginning of a new decade; you can set short-term and long-term goals, and add them to your New Year’s resolution.</p>
<p>The latest press release by LifeSearch is showing that there is an increasing trend of healthier lifestyle going on. People are opting for better and healthier food instead of junk food while singing up to gyms and health centers to get in shape. In fact, a large population of smokers is actually quitting the habit for similar reason: they simply want to have better lives.</p>
<p>As you pursue healthier lifestyle, you will also get better life insurance quotes. People are increasingly aware of the importance of their lives, and they are picking up some of the best life insurance deals available.</p>
<p>If you are searching for <a href="http://www.lifesearch.co.uk">life insurance</a>, try visiting LifeSearch first. LifeSearch is a leading life insurance comparison tool started in 1998. You can easily find and compare life insurances easily with the help of LifeSearch’s search and comparison features.</p>
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		<title>Using Alternatives to Cash Advance Loans</title>
		<link>http://www.myguidetodebt.com/using-alternatives-to-cash-advance-loans/</link>
		<comments>http://www.myguidetodebt.com/using-alternatives-to-cash-advance-loans/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 06:56:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[It is important to remember that pay day loans, and bad credit loans, even cash advances come with many alternatives to the consumer – even when it looks like there aren’t any. These cash money loans are an effective way to ensure you keep your finances in check.
Here are some of the alternatives that you [...]]]></description>
			<content:encoded><![CDATA[<p>It is important to remember that pay day loans, and bad credit loans, even cash advances come with many alternatives to the consumer – even when it looks like there aren’t any. These <A HREF="http://www.onlineloans.net">cash money loans</A> are an effective way to ensure you keep your finances in check.<br />
Here are some of the alternatives that you may want to consider before applying for your next <A HREF="&#8232;http://www.onlineloans.net/online-personal-loans.html">online unsecured personal loans</A>:<br />
-          Personal loans. Personal loans can come from friends and family members and come without the rushed deadlines and the post-dated checks, not to mention the high interest rates. Taking advantage of loans from friends and family members can be a way to ensure that you are able to get the funds that you need and most are understanding as most of us have been a situation like this at one time or another.<br />
-          Savings accounts. Perhaps you have money in the savings account that you have been saving for a special occasion. When it comes to using the money in the savings account, it can be simple to allow yourself to use the money for an emergency – and that is all. Well, needing money before payday is often an emergency and a valid reason to make a withdrawal from the money that you have been saving. Just be sure to replace the money as you would a loan, once payday comes along.<br />
-          Credit cards. Although a cash advance is not recommended, perhaps there is a payment or expense that you could make with the credit card. As long as this payment is repaid before the end of the grace period, than this purchase comes interest free. So, as long you ensure to repay the purchase between twenty one to twenty eight days (depending on the credit card contract) you should be safe!</p>
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