Guy Work

By Haywood Dickerson

 Newsflash: someone said that you are a lowlife. Not directly, of course. But they said it.

If you’ve ever had a brief period of financial trouble, and couldn’t pay your obligations for any reason, and you had the opportunity to listen to what others said about people in your same situation, you’ve know what people think about people who don’t pay their bills. They are labeled as less than human, with no thought to the individual’s situation.

They are labeled as bums and deadbeats. They are blacklisted as the scum of the earth. Snakes are better than a person who doesn’t pay his bills on time. They’re deadbeats. And because they are considered this, and you hear it, might be inclined to put yourself in this same class because of their accusations.

In short: you’ve labeled yourself as a very bad person because of the things that they have said..

You’ve heard that, and you have applied all that talk to yourself. Those around you would never say such things to your face, but when they talk about others that have bad credit, for whatever reason, they always speak about them in a negative light, and you feel something deep inside..

They speak as if nothing bad every happens. That life sometimes takes people down a path they didn’t want to go down. That sometimes, people unknowingly dig financial holes they can’t handle. That sometime people are just stupid, and make stupid mistakes.

Yes, life does happen, and people do stupid things, and people go down paths that they can’t control. And the worst thing about it all is, it could only be for an instant or a season, these side paths. But sadly, in many cases, they have a long-term impact on one’s financial future.

But, even if you’re going through one of these times, it doesn’t have to be that way. With a little persistence, you can find lenders who are ready an willing to give people a second chance.

If you need a car or a truck for transportation, and can’t get financing because of a past mistake, or a series of mistakes, you should consider taking a look at a bad credit car loan. There are many people who automatically think that a bad credit car loan means high, rip off rates, but that doesn’t have to be the case…if you know how to shop for a loan.

You can get a bad credit car loan for very comparable rates with a regular loan. Consider that 6 out 10 people do no shopping for a car loan at a competitive rate. That means only 4 out of 10 people actually took the time to find another offer outside of the one that they got from their bank or the dealer. That’s money that they could have saved, and extra savings that they left on the table when negotiating a new or used car purchase.

Our site has a comprehensive list of the top 10 dealer and financing auto rip offs. You should check it out, as well as our mini-fact page with more information of getting the best deal (even with bad credit) and bad credit car loan lender listings.

Because even so called “bad people” need a break once in a while.

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Tips on Avoiding Foreclosure

By Raul Levine

 Are you several months behind on your mortgage?

Is the phone ringing off of the hook?

Do you feel like just giving up?

This is the scenario that is sweeping across America!

The banks made it way too easy over the last few years to get more money out of our homes. Property values kept rising, the real estate market was booming and every homeowner was sitting on a gold mine. This was sure to lead to disaster and it has.

Now with the market declining and home values taking a dramatic plunge, most homeowners are sitting on over inflated mortgages and under valued homes.

The unfortunate part is that a lot of people can no longer afford their mortgage. They are facing the possibility of foreclosure and losing their homes is a very real threat.

The good news is that the banks are realizing this and are now giving homeowners options. Otherwise, the banks will be sitting on all of these homes after foreclosure and will be stuck paying the property taxes and insurances until they sell. Factor in the foreclosure costs, attorney costs, and marketing this is not in their best interest.

One option that is being offered is called a short sale.

This is where the bank allows you to sell your home at or below the current market value in order to get a quick sale, regardless of what you owe. Let’s say that your mortgage is $180,000, but similar homes in your area are selling for $150,000. You can ask for $150,000 and can even possibly take lower bids.

The bank in turn will take a loss on the home, since the sale will not cover the full mortgage, but they will not be stuck with the home. As far as the homeowner, they just walk away after the sale, free and clear.

It is suggested that you hire a real estate agent that is knowledgeable on short sales and preferably has had some experience and success with them. This is in your best interest, since they know the ins and outs and the paperwork involved. Not to mention, since you are already walking away with no money and this option will not cost you anything, it really is a no-brainer.

That’s right, not only does the bank take a loss on the home, but they also negotiate and pay the realtor fees.

Now there are disadvantages, and it is not as wonderful as it sounds. Your credit will suffer, just not as much as a foreclosure. It is estimated that your credit can drop 80-100 points with a short sale. However, it will drop over 200 points with a foreclosure.

You will not be able to buy a new home for up to 2 years with a short sale. It would be 3 years with a foreclosure.

Obviously, with this in mind the best solution would be to catch up your mortgage and then to make on time payments. Since this option is not viable for many people, I would seriously look into a short sale before it is to late.

Just remember that the mortgage company is not the enemy and not to be afraid of them. They are willing to help; you may just have to talk to several people until you find someone to work with. Ask if they have a loss litigation department. These are the people that are ready to and able to help you.

Stay Positive, Stay Strong, and Good Luck!

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Cashing in on Annuities

By Raul Levine

 Many people who know in the back of their minds that they got the possibility to transform a monthly payment or annuity long term payments into a big lump sum and by that to relieve some temporarily financial problems, or need to buy a new car or a house or help their children and so forth are tempted to exercise this process into action.

Although it is a very natural feeling and sometimes even a real life need or deep inner quest for power and control, it is not in their best financial interest to say the least.

It is no wonder that the U.S federal laws encourage long term payments in both cases like Structured settlements and lottery winnings. There are many good reasons for that and I’m going to spell them out as clear as I can.

- In some countries around the world it is legal to pay for lottery winning in one lump sum. Experience shows many of these people lose most or all of their money in a few years time, due to the following reasons:

- Ordinary people who get into their possession a very large sum of money don’t really know how to manage their treasure or how to invest it wisely, they are not prepared for it and they are overwhelmed with a delusion of over abundance of wealth, they become totally careless on how and on what they spend their money.

- Even if they invest their money, they go for high risk speculative investments as they try to get high yields. Instead of going for a much solid and safer, “widows & orphans” type of investment portfolio. Neither do they go for the golden middle way in between of a mixed portfolio. They don’t use investments advisers or financial consultants.

- They become over generous with their family and friends, they buy their children homes, cars or any other materialistic requests, they ” lend ” money to a friend in need…

- They listen to shrewd business people who talk them into investing into all kinds of business adventures that seems to them very profitable but in a short while turn into total failures and the money is gone.

- All kind of addictive behaviors like betting horse races or going to play the roulette in the casino are now intensified with the feeling of power and wealth, it might drive the person to gamble high sums of money as if there is no tomorrow.

- Believe it or not but criminal elements might engage in putting pressure to extort monies from the overnight rich poor guy. They might threaten to harm his family etc’

- Charity institutions start to call all day and night asking for donations to a very noble causes, they even send some slick reps to convince him to donate money.

- His own children, some times his spouse becomes very greedy and exert emotional pressure to give them more and more money. In some cases the sudden riches literally ruined the families.

As I have shown you above, getting a large lump sum of money might be a risky thing, this is In addition to the fact that you are loosing a lot of money which was Tax free, that alone might be a difference of anywhere between 35% - 65% , add to it the profits of the fund who bought the annuity from you and you are loosing big time. It is not recommended for an injured or a disabled person, to transform the whole Structured Settlement long term payments into one big lump sum or you might find yourself one day without the money and facing high medical expenses and other bills you cannot afford.

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