Nonprofit Credit Counseling is an Ideal Choice for Those in Debt

Credit Counseling

Are you a good candidate for nonprofit credit counseling? What are the advantages of choosing a nonprofit counselor over a for-profit service? These, along with several other questions, will be answered in this comprehensive guide to choosing a credit counseling service when you are in debt.

The first thing to be aware of is the fact that you are most certainly not alone. Like you, millions of Americans suffer from overwhelming amounts of debt without knowing how to handle it. Managing debt can seem easier, though, when you know where to look for help. This is where consumer credit counseling services come into play.

How to Find a Good Credit Counselor

It is important to know what exactly to look for in your search for a counselor, so you have the best chance of paying down your debt successfully. One factor to look at is the track record of the company. A good service is going to have proof of their success with former and current clients. If you come across a company that doesn’t offer any kind of valid testimonials or statistics regarding their performance, it’s time to continue your search.

Another aspect of good credit counseling is accessibility. Service providers should be easily accessible to their clients. In other words, you want the comfort of knowing you can pick up the phone or even log on onto a website to get in touch with your credit counselor. They should be within an arm’s reach in case you have any questions or concerns about the counseling process, your payment terms, or anything else relevant to your debt.

Quality counseling involves a solid plan for managing debt that is reasonable and easy to understand. You want to be working with people who are willing to explain your management plan and help you stay on track. Look for a counselor that does not promise to solve your problems in 15 minutes, but rather promises to discuss your situation over a session or two. It takes time to develop a truly comprehensive, smart plan for managing your financial burdens. Continue reading “Nonprofit Credit Counseling is an Ideal Choice for Those in Debt”

What are the Best Ways to Save Money on Car Rentals?

Car rentals are one of those services that can really rip you off for a lot of money if you don’t know what you’re doing. On the other hand, if you do know what you’re doing, it’s not difficult to save a lot of money – As much as 35% even.

How do you save money on car rentals? Here are a few of the best ways.

Rent at Off-Airport Sites

Renting at an airport is going to cost you an arm and a leg. Sure, the car rental company might raise the price by 25% – But the real costs actually come from the state and from taxes. When you rent from an airport site, you’re going to pay a ton more fees than if you rented from an off-airport site.

If you’re just renting for a day or two, the extra fees might not bother you. If you’re renting for a week, however, it’s often worth taking a cab or a bus to a nearby off-airport rental site to rent your car.

You Can Still Drop Off

Keep in mind that even if you rent at an off-airport site, you can still drop your car off at the airport for no added cost. This is true of most big chains like Hertz or Avis.

Factor in Parking

A lot of people forget to factor in the cost of parking when they rent. The cost of parking in most hotels can be as much as $10 to $20 a night, substantially adding to your rental costs. If you’re not using your car every day, often the parking fees make it worthwhile to rent only on the days when you really need your car. Continue reading “What are the Best Ways to Save Money on Car Rentals?”

reasons for investing in service management

Reasons for Investing in Service Management

There is no counterpoint to investing in service management. That’s why we listed out reasons for investing in service management. From mid-market, small setups to enterprise organizations, everyone can be benefited greatly with a service management tool.

Understanding Service Management Tool

As you expand your company’s dimensions and operations, you need more flexibility, scalability, efficiency, and streamlined management of all the operations. Availing smooth processes and unmatched efficiency is quite difficult in this competitive world. A robust service management tool, however, can offer you with the needed flexibility and performance of the modern time.

Continue reading “Reasons for Investing in Service Management”

Improving Your Credit Score: Are You in Financial Trouble?

If you have more bills than you do money to pay them, and you are being harassed by calls from collection agencies, it’s pretty obvious that you are in financial trouble. These types of problems don’t appear overnight, however, and it’s important to recognize the signs that you might be in financial trouble. This can help you avoid issues such as facing foreclosure or bankruptcy.

Continue reading “Improving Your Credit Score: Are You in Financial Trouble?”

Plan for Your Future: Retire Comfortably with Proper Financial Planning

When it comes to planning for your retirement, the earlier you get started the better. The longer your investments are able to earn returns, the more money you will have when you eventually retire. Having said that, it is also never too late to start saving and investing. There is a saying, “better late than never,” and even a small nest egg is better than none at all. On this page, we are going to share some tips on planning for your future so you can retire in comfort.

Continue reading “Plan for Your Future: Retire Comfortably with Proper Financial Planning”

5 Ways to Know Which Insurance to Take on a Rental Car

Insurance is one of those buzz words that makes it so hard to resist. Do you want insurance on that? Are you insured? The word itself conjures up images of all the worst things that can happen. Of course, that’s exactly what helps sell insurance—that fear of the worst case scenario—but having insurance at the right time can be critical. So, when is that right time?

Continue reading “5 Ways to Know Which Insurance to Take on a Rental Car”

Can Credit Counseling Help Prevent Foreclosure?

The process of foreclosure is a downward spiral. It starts with a loan that might be a little more than you can comfortably afford. Then something happens – Your income drops, your interest rate goes up, you lose a big client – Then all of a sudden the snowball starts rolling. Pretty soon you’re far behind on payments and you’re staring at the possibility of foreclosure.

Continue reading “Can Credit Counseling Help Prevent Foreclosure?”

4 Reasons to Go for Commercial Aviation Insurance

Commercial aviation insurance is a requirement if you plan on operating a commercial airline or offer flight services. The insurance policies that you will need vary from the policies that you may be familiar with for automobiles, homes, and other personal property. They are specific to the world of aviation.

Continue reading “4 Reasons to Go for Commercial Aviation Insurance”

Everything You Need to Know About Drone Insurance

Unmanned aircraft, also referred to as drones, are becoming increasingly popular. This includes both personal and business use. With improved technology and affordable models, the use of drones has expanded into a wide variety of industries. They are often used for aerial photography, in agriculture, and by first responders when responding to a fire or major disaster. Continue reading “Everything You Need to Know About Drone Insurance”

5 Financial Tips While Starting Your Career

Starting a career comes with a certain thrill and nervousness most people are not prepared to handle. A new career brings with it a professional and life-enhancing flexibility or other benefits. It could also strain your finances if you are not well prepared. Outlined below are tips to help you safely navigate the turbulent and tricky waters of a new career.

Continue reading “5 Financial Tips While Starting Your Career”