Consumer Information - Debt Consolidation Loan Directory

The Debt Consolidation Loan Directory strives to educate you so that you may make wise financial decisions. We are constantly building a list of consumer and personal finance resources and information regarding a wide range of financial topics: debt consolidation loans, home mortgages, insurance services, managing your finances, personal loans and auto financing, etc. Our current list of resources is featured below:

The first step in making wise decisions regarding your money is to educate yourself. Allow us to help!

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Debt Consolidation Loan Directory Columnists:

Roy Bodinus
CEO, Northwest Advisory Group, Inc.
www.nwadvisorygroup.com

Roy C. Bodinus - CEO of Northwest Advisory Group, Inc.

CEO of Northwest Advisory Group, Roy C. Bodinus, offers investment advisory services to business owners and individuals seeking to maximize their return potential while controlling the risk in their investment portfolios. He serves as a guest columnist for DebtConsolidationLoan.com on investing, personal saving and finance related topics.

Submitted Articles:
College Savings Plans - College Savings 101
Retirement Planning - Three 401k Blunders
Investment Management - The Emotions of Investing
Retirement Savings - Traditional or Roth IRA

Jonathan Kolanowski
CEO, Infinamic, Inc. &
DebtConsolidationLoan.com Editor
www.debtconsolidationloan.com

Jonathan Kolanowski - CEO of Infinamic, Inc. and Editor of the Debt Consolidation Loan Directory

CEO of Infinamic, Inc. and editor of the Debt Consolidation Loan Directory, Jonathan Kolanowski has a history in mortgage finance and banking with a specialization in Internet-related issues, such as consumer protection and fraud prevention.

Submitted Articles:

Fraud Alert - Phone Scam Targets Bank Customers
DebtConsolidationLoan.com - Money Management

Money Management - Economic Stimulus Payments
DebtConsolidationLoan.com - Managing Your Money

Managing Your Money - Checking Account Management

Money and Credit Debt Management Tips:

Making a Budget: Expect the Unexpected - Designing and sticking to a monthly budget is a lot like going on a diet. It has no chance of succeeding if you do not keep the possibility of your goals attainable.
Understanding Credit Card Bill Details and Fees - Help yourself out with the management of your debt. Start by reading and making an attempt to understand your credit card statements.
Ways to Avoid Incurring Late Charges - not just the new monthly payment. You may get lower monthly payments with you consolidate bills, but what are the long term interest costs?
Calculate Your Net Worth - Managing your bills and accumulating wealth begins by having an understanding your current financial position.
Credit Card Debt: "Out of Sight - Out of Mind" - The old cliché' “Out of sight – Out of mind” is definitely true when it comes to the ease with which you can rack up large amounts of credit card debt without taking notice.
What is Your APR? - The failure to understand your Annual Percentage Rate when getting a cash advance or making a balance transfer can amount to very expensive financial mistake.
Stop Spending What You Don't Have! - Even though Banks and finance companies have made credit cards so easy to get and convenient to use, only you can be responsible for your spending habits.
Setting up Automatic Payments May Make Sense - Have the money, but still have trouble getting around to making your credit payments on time each month? This can unnecessarily cost you late fees and damage your credit rating. Setting up auto-payments may be a good solution to this problem.
Watching Your Interest Rates and Debt Consolidation - A quick and easy way to deal with debt problems and high interest rates may be to consolidate your bills into a consolidation loan. However, there are a few things that should be taken into consideration.

Source Providers:

	The Federal Deposit Insurance Corporation (as defined by the FDIC web site) preserves and promotes public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions for at least $100,000; by identifying, monitoring and addressing risks to the deposit insurance funds; and by limiting the effect on the economy and the financial system when a bank or thrift institution fails. (Complete information about the FDIC can be found HERE) They offer a quarterly newsletter that focuses on a wide range of financial topics and money management issues. *Get started by clicking here...*
	CitiFinancial is a member of Citigroup, the world's largest financial services provider and has more than 2,000 offices in neighborhoods across the U.S. and Canada. Review credit management tips that help you answer the questions of when and if you should use credit and what to do in case you are having trouble making your payments. *Get started by clicking here...*
	As the debt settlement industry leader, Credit Solutions settles millions of dollars of debt each month. Their experts reduce your total debt by 40 to 60 percent and guide you with solid financial information and effective budgeting tools. They offer tips and ideas on how to manage your money. *Get started by clicking here...*

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