Recent Articles From EvanCarmichael.com http://www.evancarmichael.com/ http://www.evancarmichael.com/Sales/3117/Debt-Management-Options-for-the-Average-Person.html http://www.evancarmichael.com/Sales/3117/Debt-Management-Options-for-the-Average-Person.html There has been a large increase of people seeking help with their debts this holiday season. I would like to offer some advice for the individuals that are feeling the strain of tougher economic conditions. A monthly household budget can be the greatest help of all. Most people never realize the amounts of money they spend each month on little things; let’s take a look together! http://www.evancarmichael.com/Sales/3117/Personal-Credit-Card-Debt-How-to-Earn-1835.html http://www.evancarmichael.com/Sales/3117/Personal-Credit-Card-Debt-How-to-Earn-1835.html Personal credit card debt is one of the worse things to keep around. Look at the interest rates that you have and see how many are lower than the rate of return you get on your investments. You may be surprised to see that the 7% annually you receive through your mutual fund or stocks does not even come close to the 18%-35% you pay each month on your personal credit card debt. http://www.evancarmichael.com/Sales/3117/71000-Complaints-to-the-FTC-about-Creditor-Harassment-Last-Year-up-500-from-2004.html http://www.evancarmichael.com/Sales/3117/71000-Complaints-to-the-FTC-about-Creditor-Harassment-Last-Year-up-500-from-2004.html According to the AP report, almost 39 percent of Federal Trade Commission complaints cited demands to pay debts that weren’t owed or payments that were more than legally allowed. http://www.evancarmichael.com/Sales/3117/Yes-Virginia-There-is-a-Santa-Claus-and-a-Cloud-with-a-Silver-Lining.html http://www.evancarmichael.com/Sales/3117/Yes-Virginia-There-is-a-Santa-Claus-and-a-Cloud-with-a-Silver-Lining.html Are you tired of turning on the TV or glancing over the newspaper and the ONLY kind of news you get is Bad News? I am just about to boycott watching television for a month or so, until the trend is not always negative and defeating. However, there is a silver lining to this dark cloud …. Travel prices are falling and just in time for the Thanksgiving and Christmas holidays. http://www.evancarmichael.com/Sales/3117/How-To-Save-Money-While-In-Debt.html http://www.evancarmichael.com/Sales/3117/How-To-Save-Money-While-In-Debt.html Many of us, me included, are in debt and have no savings. While some people tell you not to save money while in debt, the fact is if you don't have money for emergencies, then you will increase your debt by having to turn to your credit cards. Here are some great tips to help you save that emergency money even with debt. http://www.evancarmichael.com/Sales/3117/Banks-and-Collectors-Have-a-New-Twist-on-the-Old-Bait--Switch-Tactic.html http://www.evancarmichael.com/Sales/3117/Banks-and-Collectors-Have-a-New-Twist-on-the-Old-Bait--Switch-Tactic.html There is a new scam out there that banks and collectors are pulling on uneducated consumers. Basically they are calling consumers with older credit card debts that have passed the statue of limitations and offering them a new card with zero % interest for life. http://www.evancarmichael.com/Sales/3117/Debt-Consolidation-vs-Debt-Management-vs-Debt-Settlement.html http://www.evancarmichael.com/Sales/3117/Debt-Consolidation-vs-Debt-Management-vs-Debt-Settlement.html The average American household has 20-30K of unsecured debt. Our economy as a whole is drowning in credit card debt, medical bills, personal loans, and just unsecured debt in general. In order to get out from underneath this huge burden of bills and those harassing creditor calls we have resorted to finding debt relief options such as Debt Consolidation Loans, Debt Management Programs, and your array of Debt Settlement Companies. I’m in shock to see the countless amounts of people that look for these different options and not put the time and energy into researching the cause and effects that it has on your credit score, credit report, and your financial future. By the time you have read through this article I hope you have a better understanding of the pros and cons of each of the different debt relief choices available. http://www.evancarmichael.com/Sales/3117/Excellent-Credit-Score-yet-not-able-to-obtain-new-credit.html http://www.evancarmichael.com/Sales/3117/Excellent-Credit-Score-yet-not-able-to-obtain-new-credit.html Most of America is under the belief system that having a high credit score is the most important thing in the world. In reality a person’s credit worthiness is made up of a few different items. Sometimes it's better to take a step back and look at your long and short term goals and compare all of your options. http://www.evancarmichael.com/Sales/3117/FICO--Debt-to-Income-Ratio-Info.html http://www.evancarmichael.com/Sales/3117/FICO--Debt-to-Income-Ratio-Info.html In the United States, a credit score is a number based on a statistical analysis of a person's credit files that represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, Trans Union, and Equifax. Debt to Income Ration is another factor when it comes to your credit score. http://www.evancarmichael.com/Sales/3117/Basic-Interview-Etiquette.html http://www.evancarmichael.com/Sales/3117/Basic-Interview-Etiquette.html Being a director at CreditAllianceGroup.net I have had the joyful experience of interviewing and hiring new team members. Here are a few tips for all the individuals looking for a new career out there.