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Charles Essmeier

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Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation, credit counseling, payday loans and personal bankruptcy and HomeEquityHelp.net, a site devoted to mortgages and home equity loans.
Joined: 05th June 2005
Articles: 136
URL: http://www.end-your-debt.com
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Establishing Credit Can Be Easier While in College

31st January 2007
Establishing credit when you are young can be difficult. Most credit card companies aren't interested in opening accounts for people who don't have established credit histories. They want to lend to people that they know will pay back. But how do you g...

Lemon Law May Not Protect You if You Lease a Car

11th January 2007
Years ago, consumers with problem vehicles that kept breaking down even when new were at the mercy of the auto manufacturers when it came to obtaining restitution. Some owners picketed dealerships; others simply sold their cars at a loss to get rid of th...

Adjustable Rate Mortgages Can Bewilder Buyers

10th January 2007
Buying and selling houses is a complicated business. If it weren't, it would not require the services of tax preparers, attorneys, appraisers, land surveyors and professional salesman. People who wanted to buy and sell property would just sell it like t...

Affiliate Marketing - Is it Profitable, or Just More Hype?

10th January 2007
The last dozen years or so have seen the Internet explode from a small network of computers that interested only computer science students to an indispensible tool that nearly everyone uses daily. The Internet has become a vital conduit for information, ...

Supporting Our Troops at 400 Percent Per Year

17th November 2006
The cash advance industry is a tremendously profitable business. In the late 1990's, the industry was hardly known, but thanks to a predominantly Republican Congress and state legislators that tend to be business-friendly, these businesses have enjoyed e...

Structured Settlement - Guaranteed Income for those with Disabilities

17th November 2006
Up until twenty years ago, anyone who won a lawsuit as a result of a claim involving worker's compensation, wrongful death or accident had to accept a lump sum payment as their compensation. The payment would be intended to be invested, with the benefici...

Gas Costs Need Not Break Your Bank

16th November 2006
After spending most of the summer above $3 per gallon throughout most of the United States, gasoline prices appear to be dropping a bit. That may or may not be temporary; the price of crude oil is affected by many factors, and all of them are volatile. ...

Gasoline Saving Devices Don't Work

15th November 2006
Owning and operating a motor vehicle is an expensive process. Besides coming up with the money to actually buy the car or truck, owners need to pay for maintenance, auto insurance and most of all, gasoline. With the price of gasoline reaching ever-highe...

Lemon Laws and Car Dealers Who Won't Pay Up

15th November 2006
Buying a car or truck is an expensive proposition. With new cars often costing more than $20,000 and car loans averaging nearly six years in duration, it only stands to reason that consumers expect those vehicles to work reliably when they buy them. Som...

Buying a Car Can Turn You Upside Down

15th November 2006
It's expensive buying a car and it only gets more so as time goes on. Over time, the price of new cars has increased faster than the rate of inflation. This isn't entirely due to greed on the part of automakers; cars are also more complicated and useful...

Car Title Loans - Risk and High Interest Rates

09th November 2006
In today's society, borrowing money seems to be inevitable. No one pays cash for their car or their home any more; no one can afford to do so. As a society, we borrow. We take out loans from banks, credit unions and credit cards. If we don't have good...

Debt Settlement Pitfalls May Outweigh the Advantages

07th November 2006
Americans have too much debt. Of that, there is no doubt. The nation, as a whole, owes something on the order of three trillion dollars. This is debt that accrues interest at rates that average nearly 20% per year, and that interest provides no real be...

Structured Settlements Offer Advantages over Lump-Sum Payments

20th October 2006
A structured settlement, which offers injury victims cash payments through a long-term annuity as compensation for their damages and medical expenses, offer a number of possible advantages over payment in a lump sum. While the lump sum payment is the tra...

Foreclosed Property Investments Can Quickly Become Nightmares

27th September 2006
The huge surge in both real estate demand and housing prices has led to a frenzy of home buying over the last few years. This has resulted in the unlikely combination of record prices and record number of Americans who own homes. Unfortunately, interest...

Auto Repair Scams Can Cost You a Fortune

07th September 2006
A lot of people like owning and driving cars, but no one likes to repair them or pay to have them repaired. But cars are like anything else; if you use them, they eventually need attention. Today's vehicles are far more complicated than the cars of a ge...
 
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