Question by 1yugpj: Who would like to pay off my credit card debt for me?
Kidding.. but if anyone does have extra cash..I’d be grateful for the offer. Actually, I’d like to know advice on the best way to pay off credit card debt. I have about 10,000 in credit debt. Mostly from going through a divorce a few years ago.
Best answer:
Answer by c_schreel
hey, if u find that person please send them my way…….lol
Give your answer to this question below!
PTA Thrift Shop Hands away Checks; Increases Its Donations to Local Schools
Carrboro, NC (PRWEB) October 24, 2011
The PTA Thrift Shop gave out checks in September to the Chapel Hill-Carrboro City Schools that totaled $ 265,000, a significant increase over the amount it donated to the school system the previous year. Funds are generated based on the nonprofit organization’s net proceeds from its two resale stores in Carrboro and Chapel Hill and its expansive recycling efforts. But its giving potential could be much greater with new facilities; the PTA Thrift Shop announced plans in June to re-build new facilities and additional commercial space at its Carrboro location and launched a $ 1.7 million community fundraising campaign to support the project.
In 2010, the nonprofit gave the 17 district schools and the Carrboro-based charter school, Pace Academy, a total of $ 221,000. The $ 44,000 increase is a welcome surprise in this down economy when schools are challenged to serve bigger enrollments with smaller budgets. However, as those dollars are spread over more schools, it means less money from the PTA Thrift Shop for the individual schools.
“With the current store configuration, though, benefiting are maxing retired and individual school checks have actually reduced as unexampled schools such as Carrboro High and Morris Grove Elementary are added to the mix,” the message on the Rashkis Elementary PTA webpage reported.
“Our school district is growing. Yet our Carrboro store is in disrepair and too small to meet the increased needs,” said Barbara Jessie-Black, PTA Thrift Shop Executive Director. “A new building is our best solution because it is designed to grow with us as well as stimulate the economy, allow more recycling, and generate as much as 20 percent in additional dollars for schools. We are in an unique position because this is the first time we’ve asked the schools for support.”
Schools Give Back
Culbreth Middle School latterly donated $ 5,000 to the PTA Thrift Shop building campaign. “Parents at our school recognize that if we ‘pay it send’ and lend our sponsor now to the PTA Thrift Shop’s building campaign that our investment will pay off later,” said Culbreth PTA president Margy Schmidt.
Carrboro High’s PTA recently voted to infected $ 2,500, and the school’s parents donated $ 7,500. The combined funds were designated to patronized and receive naming compensate for the Arts & Crafts section of the new store. A parent at the school, Gill Hare, who also co-chairs the capital campaign committee for the PTA Thrift Shop, said, “They’ve supported our schools for sixty years by adding thousands of dollars to our school budgets every year. Why not give back? This expansion is part of their vision, and the leadership has proven they know what they’re doing. It’s our turn to help them, which translates into their capacity to help us even more in the near future.”
Many parents in the district are also demonstrating their support by writing letters to the editor and hosting events to increasing funds. “We are grateful and excited for each and every gift and any offers to help because we know how it all add up,” said Jessie-Black.
Governor Lends Support
North Carolina Governor Bev Perdue recently sent a letter of commendation stating: “As the PTA Thrift Shop approaches its 60th anniversary, with plans to expand its premises and its mission, I am happy to join in celebrating an organization that combines sustainability, job creation, and community service so effectively and successfully. Growth in business is exactly what North Carolina needs in these challenging times. I applaud your creative, entrepreneurial spirit and wish you success as you move forward with your new projects.”
Creative Fundraising
The nonprofit is offering a variety of options to make it easy to sponsor its building campaign. Some of these include a $ 12×12 gift ($ 12 a month for 12 months), matching employer donations, and the ability to donate online by credit card or through PayPal. Financial donations for the building effort can be made and more information found at http://www.ptathriftshop.org.
Since the PTA Thrift Shop was founded in Chapel Hill in the ‘50s, it has grown to be a substantial community supporter by helping families in need. Monies the PTA Thrift Shop contributes to the local schools are used for technology, play equipment, supplies, books, field trips and other projects the schools and their PTA choose to fund.
ABOUT THE PTA THRIFT SHOP
The PTA Thrift Shop has two resale stores in Chapel Hill and Carrboro, NC that sell a range of donated goods and treasured from clothing to furniture. Started in 1952, the nonprofit donates its profits—more than $ 5.3 million over the last 15 years —to local public schools through the Parent Teacher Association (PTA) for each school. It also provides in-kind donations to help clothe clients of local social service organizations and partners with the community in supplying gift cards to its stores for families in need. Known as an environmental leader for its recycling and other eco-riveting efforts, the PTA Thrift Shop was named the 2010 Progress Energy Sustainable Business of the Year and has received “Green Plus Certification” through the Institute for Sustainable Development.
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New Technology, Moneyonthego.net Change Holiday Shopping Habits
St. Petersburg, Florida (PRWEB) November 23, 2011
A recent news story reports that 36% of all holiday shopping will be done online this year—a notable increase from last year’s 32%. While experts may offer slightly differing explanations of why online shopping has become such a major part of the holiday season, the bottom line is that new technology makes online Christmas shopping easier and more convenient. For example, the same report notes that 70% of those who own tablets, such as the iPad, will use them for holiday shopping. In addition to technological devices like these, there are other factors in play, such as the increasing popularity of membership savings sites like Moneyonthego.net.
The draw of sites like Moneyonthego.net for holiday shoppers is the “reward points mall” that forms one of the foundational appeals of the premium shopping network experience. At Moneyonthego.net, for example, members receive a prepaid MasterCard, which they can load with the dollar amount of their choosing, and for every dollar loaded onto the card, the member receives a dollar in “reward points”. Those points can be redeemed in the online mall, which has products and services from many name-brand retailers.
According to a representative of Moneyonthego.net, the draw for Christmas shoppers comes in the one-to-one dollar ratio. “A shopper can essentially get two Christmas gifts for the price of one, just by using those reward points,” says the representative. “So not only is online Christmas shopping convenient, but, in instances like these, it is also very cost-effective.”
In addition to these reward points, membership savings sites like Moneyonthego.net also offer discounts and savings on local services, ranging from hotels and restaurants to golf, spa packages, and even cruises. According to the Moneyonthego.net spokesperson, this is another big holiday perk. “For some, Christmas shopping isn’t the hard part. The hard part is simply figuring out how to enjoy the holidays, be it alone or with extended family,” he observes. “The discounts and membership savings offered by a site like Moneyonthego.net help to remedy this problem, as well.”
ABOUT:
A membership-based savings program, Moneyonthego.net provides substantial discounts on the products that it offers in its exclusive Rewards Mall. Every Moneyonthego.net member receives a 2,500 dollar shopping credit good toward items in the Rewards Mall, as well as a Prepaid MasterCard, upon registration. Members are also given shopping credits to match the amount of money that they load onto their Prepaid MasterCard, which are valid for the purchase of Rewards Mall products (all of which are offered by third party vendors and reflect the latest industry trends).
To ensure that customers have access to the most demanded products on the market, the Rewards Mall and other offers are frequently updated to mirror industry trends, new items, and new discounts.
Moneyonthego.net can be found online at http://www.moneyonthego.net.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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American Best Agency Helps Local Residents Stretch Their Holiday Budgets with Competitive Nevada Insurance Quotes
Las Vegas, Nevada (PRWEB) November 23, 2011
The team at American Best Agency knows that it’s that time of year again. Many people are sitting down with their list of people to buy gifts for and wondering how they are going to afford it this year. The experts at American Best Agency are committed to helping current and prospective customers find the most comprehensive insurance coverage at an affordable price with competitive Nevada insurance quotes, which can help individuals and companies stay out of the red during the expensive holiday months. However, there are more ways than one through which local residents can avoid overspending this year, and the team at American Best Agency would like to highlight a few:
People should set a strict budget for each person on their list and ensure that they begin shopping early enough so that they do not wind up splurging on a last-minute item. Avoid costly accidents by obtaining the homeowners insurance Las Vegas residents need. Just because Nevada does not get the severe winter weather that the East Coast does doesn’t mean that homeowners can skimp on their insurance coverage. A house fire ignited by a dried out Christmas tree or faulty electrical wiring on holiday lights could cost people a significant amount of money and put a serious damper on their holiday plans. Pay with cash or debit whenever possible in order to avoid unwittingly racking up a large credit card bill. Take advantage of the sales without the chaos by shopping online on “Cyber Monday.”
Nevada residents know that every little bit helps, whether it’s savings on Nevada insurance quotes or simple smart spending habits. The team at American Best Agency knows that it’s easy to get caught up in the excitement of the holidays, but individuals should shop just as smart for their holiday gifts as they do for their insurance policies!
About American Best Agency:
Established in 1998, American Best Agency has quickly grown to one of the largest providers of personal and business insurance in Nevada. The agency’s professional staff is focused on providing its clients – and the local community – with the highest quality coverage products, prompt services, and competitive Nevada insurance quotes. Service, whether it is in response to an insurance claim or general question, is the most important value American Best Agency offers you. The agency works hard to build trusted relationships with its customers, striving to make you feel both comfortable with and confident in their abilities by acting as your consultant.
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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Question by typeonegsd: Can I take out student loans to pay off credit card debt?
I am in school part time and have a lot of credit card debt. It is preventing me from going full time because I have to work to pay the minimums. Can I take out a student loan to pay off say $ 15,000 of credit card debt so that I tin attend class full time?
Best answer:
Answer by J.
Just make sure the interest rate for student loan is lower than your credit card.
Add your own answer in the comments!
You Walk Away Customers Report Less-Than Expected Negative Impact to their Credit and Ability to Rent after Foreclosure
Carlsbad, California (PRWEB) October 18, 2011
After conducting nationwide exit interviews with people who had strategically defaulted on their home loans, YouWalkAway.com, a leading foreclosure agency that helps people navigate through the foreclosure process, found that 81 percent of respondents had no problems renting after foreclosure and 82 percent reported that they did not have to put down a larger deposit when renting.
The data compiled by YouWalkAway.com supports the increasingly popular idea that foreclosure is an acceptable financial planning strategy.
Anecdotal reports from property management firms support the YouWalkAway.com findings. Owners and managers of rental properties regard the influx of renters in the market due to the housing market meltdown as a boon, and many are willing to accept that potential renters may not have credit scores as high as landlords previously would have required.
“Rental applicants with a foreclosure are now recognized with the proper documentation,” says Tony A. Drost, MPM® RMP®, president of the National Association of Property Managers and owner of First Rate Property Management in Boise, Idaho. “In fact, a former homeowner with a foreclosure is one of the best tenants. They know how to keep up and care for the home since they have previously cared for one.”
Similarly, John Bradford, owner of Park Avenue Properties in North Carolina, states, “We are seeing a slight increase in applicants with foreclosures, and our owners are typically open to renting to those applicants. Poor credit, caused by a foreclosure, has very little to do with having overall good citizenship, and if the other credit history is reasonable outside the foreclosure, then the applicant should be considered, possibly with other requirements like an additional month’s deposit. In the end, a credit score is just one factor in a balanced score card approach.”
The YouWalkAway.com findings are consistent with a study of a Federal Reserve Board finance and economics discussion group issued in May of this year that reported, “Although foreclosure considerably raises the probability of moving, the majority of post-foreclosure migrants do not end up in substantially less desirable neighborhoods or more crowded living conditions.”
Reports from YouWalkAway.com customers indicate that even credit scoring agencies appear to be easing standards for assigning credit scores. YouWalkAway.com customer Susan Edwards had a credit score of 805 before walking away from her Southern California home. After missing her fifth mortgage payment, her score dropped to 680. Three months following the foreclosure auction of her property, her score was up to 734. A “good” credit score falls between 720 and 749.
“It was commonly reported that the average foreclosure would lower your credit score about 150 points,” said Edwards. “I had assumed it would stay in that range for up to seven years. I was wrong.”
Jon Maddux, CEO of YouWalkAway.com, says that misinformation abounds regarding the effects foreclosure has on a person’s credit. Maddux’s company has supported more than 6,000 people to prepare and strategically voyage through the foreclosure process since its founding in 2007.
“More often than not, it is those who have an agenda to deter homeowners from walking away who use scare tactic phrases such as, ‘Foreclosure will destroy or decimate your credit,’” Maddux said. “Due to the nature of how credit scoring works, I prefer to describe the effects of foreclosure as wounding one’s credit. The wounds will heal as long as the borrower continues to keep other lines of credit current.”
Borrowers who opt for a short sale have seen quick restoration of their credit as well. San Diego real estate broker Jeff Grant can attest to his credit recovering after a short sale of his investment home, which was upside down by more than $ 200,000. “After my own short sale, missing a total of eight mortgage payments, my credit went from 729 to 679, but it quickly recovered to 728 a year and four months later,” he said.
New York resident and YouWalkAway.com client Jodi Romanello has walked away from two investment properties in Florida. Romanello has yet to see any negative repercussions of a credit drop and maintains high borrowing limits on many of her credit cards.
“When I first skipped payments on my first foreclosure, CitiBank Diners Club abruptly canceled my card due to ‘undesirable changed in my credit rating,’” Romanello explained. “I got very upset because I hadn’t thought this would happen, but to my enormous relief none of my other cards did this. I have a high limit with American Express Gold, Visa, MasterCard and a lot of store cards, and Amex just renewed my card with an invitation to go Platinum.”
To help their clients restore their attribute ratings, YouWalkAway.com has added a new product designed to allow clients to supervised their attribute throughout and following the foreclosure process. Credit and identity protection is also available with real time alerts.
“Closely monitoring your debt and other credit, paying all other bills on time and paying off your credit card each month are all important steps to take toward rebuilding your credit after defaulting on your mortgage,” Maddux advised.
About YouWalkAway.com
Located in Northern San Diego, Calif., YouWalkAway.com is a foreclosure agency run by a team of real estate and legal experts with more than 50 years of combined experience. Featured in a wide ran of reputable and powerful media pieces, YouWalkAway.com is acknowledged for being a trustworthy and valid foreclosure resource agency and the nation’s foremost authority on foreclosure laws and consequences. It is the objective of YouWalkAway.com to empower homeowners who purchased their homes at the peak of the real estate market to take control of their financial future. http://www.youwalkaway.com
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Question by Kadaj: Do I need to pay off credit card balance if I’m a secondary card holder?
My dad is the primary user of the credit card. I have not use the credit card for almost two years. Now the card company is asking me to pay off balance. Am I liable for the balance?
Best answer:
Answer by Benzo
If your dad is not paying then, yes, you are responsible. The same way you can build good credit if he’s on time, it will also show bad credit if he doesn’t pay.
Know better? Leave your own answer in the comments!
Question by Tiffany C: what is a good credit card interest rate?
Right now my card is 19% interest and I know there is way best out there, but what is a good interest rate? Is 13% good? I checked my credit score and it was about 750 (though there’s only two years to go off of so of course its well…) So what percentage do you rib think I should be able to find??
Best answer:
Answer by Akbar B
With that kind of a score you should be able to get 9.99% Go to bankrate.com and check for banks which will offer that genial of rate. Good luck.
Give your answer to this question below!
Question by sb0983: What are some names of credit cards that have high credit limits?
What are some name of credit cards that have high credit limits? Are there any credit cards that have a $ 100000.00 credit limit?
Best answer:
Answer by antigovernmentofficial_bot
Because the Credit Card association uses that amountas your future Debt. you get the luxary of getting yourselfin that amount of debt.
What do you think? Answer below!
Commonwealth One Federal Credit Union Promotes The Credit Union Difference With Their “Three Cheers For Free Checking” Campaign – New Members Can Get $ 25 For Switching
Alexandria, VA (PRWEB) October 27, 2011
CommonWealth One Federal Credit Union of Alexandria, VA has launched the “Three Cheers for Free Checking” campaign, which highlights how their members save money with the credit union’s free checking accounts and no-fee debit cards.
In conjunction with this campaign, CommonWealth One members are encouraged to refer friends, family and co-workers to the credit union with a “Switch Ticket”, found in branches and online at http://www.cofcu.org/switchticket. When a new member uses a “Switch Ticket” to open a checking account with a debit card, e-statements and direct deposit, they will receive $ 25. The referring member is automatically registered for a $ 250 monthly drawing.
Credit Unions are member-owned financial cooperatives. The credit union motto is “not for profit, not for charity, but for service”. As a cooperative financial institution, CommonWealth One’s earnings are returned to its members through lower fees for services, lower rates on loans and higher return on savings. As other financial institutions are implementing fees on their debit cards and raising fees on checking accounts, it’s the perfect time to transfer to CommonWealth One to take advantage of their free checking accounts, fee-free debit cards and credit cards that do not have an annual fee.
CommonWealth One’s services include free checking accounts, Visa check cards (debit cards), online banking, mobile and text banking with text alerts, e-statements, remote deposit for checks, and more. Plus, members have free access to nationwide shared branches, enabled members to perform in-ramify transactions at over 4,415 locations. Members may also use the surcharge-free ATM network with over 40,000 ATMs.
New members can qualify for membership if they live, serve, worship, volunteer or go to school in Washington D.C., Harrisonburg, VA, or select areas of Alexandria, VA, or if they are employed by one of their sponsor groups. Family members or current members are also eligible to join. For more information on becoming a member, please see http://www.cofcu.org.
About CommonWealth One Federal Credit Union
Since 1944, CommonWealth One Federal Credit Union has grown to become one of Northern Virginia’s top credit unions with over $ 295 million in assets serving more than 36,000 members. CommonWealth One is a full-service, member-owned, not-for-profit financial cooperative committed to being the lifetime financial institution of its members.
CommonWealth One Federal Credit Union offers Checking Accounts, Mortgages, Home Loans, Auto Loans, Savings Accounts, Money Market accounts, IRAs and more in Washington, DC or Virginia. We have remained true to our philosophy of “people helping people” – providing members with loans, savings plans, and special services to achieve their long-term financial goals and help them enjoy a better way of life. Our excess earnings are returned to our members in the form of higher dividend rates, lower interest rates on loans and low or no fees. For information, visit http://www.cofcu.org.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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