Consolidating credit card debt into a personal loan
According to IRS rules, you may borrow a maximum of 50% of your vested balance or ,000, whichever is less, and have up to five years to repay. You do have to be sure of your job’s stability, though, because if you quit or are fired, the entire balance would be due within 60 days.
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The interest rates on both types are significantly lower (around 7%, as per U. Bank’s calculator for a ,000 loan or HELOC) than those of credit cards, which are averaging APRs of 17%.If you accept, the agency takes over the management of your accounts.You send one fixed payment a month to them, and it disperses the funds to your creditors.To start the search for consolidation loans, check out Personal and Bad Credit Loans.com, which can connect you to a network of lenders and will shorten the application process.
With a balance transfer credit card, you can move existing credit card balances to a new credit card account.If a balance remains when the standard APR applies, but the APR is still lower than what you had with the original accounts, you will continue to come out ahead.
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Online dating starts off like window shopping—avoid anything too heavy or serious. Most of your photos should be close up so people can see your face—this is where much of the initial “would we have good chemistry? Avoid cropping your photos, lest you end up with the dreaded way-too-vertical “I was standing next to my ex” photo. If someone introduced himself to you at a party, would the next thing out of your mouth be items off your resume? Let your personality win someone’s interest, not your bragging rights. The best way to flirt is to care deeply about whatever your date is saying and to focus all of your attention on him or her. Webb found that successful daters waited that amount of time and as a result still seemed eager without coming off as desperate. … continue reading »