http://www.articlealley.com en-us editorial@articlealley.com Substance abuse long ago reached epidemic proportions in America. It is a complicated health condition requiring both physiological and psychological treatment. Most abusers think they can stop on their own, but the majority of those who try don’t succe... http://www.articlealley.com/article_675084_17.html 27th October 2008 I won’t be able to change the nomenclature of the medical profession but I refer to myself as a client, not a patient. By definition, a patient is “One who receives medical attention or treatment.” The archaic meaning was “One who suffers,” from... http://www.articlealley.com/article_601984_17.html 17th August 2008 One thing I’ve noticed since being diagnosed with cancer is the animosity between conventional and alternative approaches to the disease. It can be quite contentious, no doubt because the stakes are so high. The lines are drawn: Western vs. Eastern; big... http://www.articlealley.com/article_601982_17.html 17th August 2008 Adjustable rate mortgages (ARMs) have been a popular form of mortgage financing in recent years. These mortgages start out at low rates for a set period; then adjust along with the index to which they are tied. As interest rates go up, so do the monthly p... http://www.articlealley.com/article_202956_19.html 17th August 2007 A second mortgage is a mortgage taken out in “second position” on a property that already has a mortgage. A second mortgage will give you a fixed amount of money repayable over a fixed number of years. Get better interest rates with a second mo... http://www.articlealley.com/article_202934_19.html 17th August 2007 Refinancing as a way to improve a bad credit situation is nothing new. What is new is the range of refinancing options now available to homeowners. Here are the three most popular types of non-traditional bad credit mortgages: 1. Interest-Only Mortgage... http://www.articlealley.com/article_202540_19.html 16th August 2007 When deciding whether to take out an equity line or a home loan, CNNMoney advises consumers to consider their goals, payment schedule, spending habits and risk tolerance. “A HELOC … gives you more repayment flexibility and lets you borrow only the ... http://www.articlealley.com/article_200639_19.html 13th August 2007 Three out of four borrowers who enter the foreclosure process leave it through something other than a forced foreclosure sale or auction. They bring their loans up to date through payment arrangements worked out with the lien holders; they refinance their... http://www.articlealley.com/article_199108_27.html 08th August 2007 Debt consolidation involves transferring the balances from multiple accounts with relatively high interest rates to one account with lower interest. A debt consolidation loan does not reduce debt so much as restructure it in beneficial ways. Debts are... http://www.articlealley.com/article_197052_19.html 03rd August 2007 Arizonians are among the millions of homeowners who have taken out almost $2.8 trillion in home equity loans in the last five years. Freddie Mac estimated that borrowers cashed out $170 billion of their home equity in 2006 alone. In 2005, the figure was a... http://www.articlealley.com/article_193326_19.html 26th July 2007 Bankruptcy attorneys estimate that one in every 53 U.S. households filed for bankruptcy in 2005. Most of these people didn’t lose the farm in Vegas or drink away their life savings. Chances are their financial problems stemmed from one of three sources:... http://www.articlealley.com/article_193285_19.html 26th July 2007 A debt consolidation loan allows you to pay off your outstanding bills like credit cards and unsecured loans. It will simplify payments and probably lower your interest rate and monthly payments. This new loan doesn’t reduce your debt; it just restructu... http://www.articlealley.com/article_192321_19.html 26th July 2007 Home equity loans remain a preferred source of consumer credit. Home equity loans can give you a lump sum of cash at relatively low interest rates, along with certain tax advantages not available with other kinds of borrowing. Some home equity loans c... http://www.articlealley.com/article_191369_19.html 25th July 2007 Million of Americans have credit problems. Those who own homes can use a mortgage refinance to help with credit repair. Mortgage refinance involves taking out a new mortgage to pay off the original loan. Depending on your equity, the new mortgage can be ... http://www.articlealley.com/article_187054_19.html 20th July 2007 Refinancing your Arizona mortgage could save you thousands if interest rates have dropped by a percentage point or more since you got your first mortgage. It is an easy way to tap into equity to remodel your home, buy a new car, or pay off high interest c... http://www.articlealley.com/article_176312_19.html 19th June 2007 Homeowners continue to use mortgage refinancing to cash out their home equity. In the first quarter of 2006, 44% of all Freddie Mac mortgages were refinanced loans, down slightly from 45% in the fourth quarter of 2005. ?While more of the borro... http://www.articlealley.com/article_104075_33.html 17th November 2006 When shopping for a car, new or used, start by asking yourself a few questions: ? How many miles will you be putting on the car weekly? ? What are the mpg ratings for the cars you are considering? ? How will the car primarily be used?taking kids to soc... http://www.articlealley.com/article_103413_31.html 16th November 2006 Mortgage refinancing means paying off your existing mortgage with a new loan, using the same property as collateral. The amount you'll save by refinancing will vary depending upon current interest rates, refinancing costs and tax consequences. Mortgag... http://www.articlealley.com/article_102129_63.html 16th November 2006 Homeowners continue to prefer cash out refinance loans to other forms of borrowing. Frank Nothaft, Freddie Mac vice president and chief economist, says, “Mortgage borrowers continue to refinance their mortgages at a higher frequency than historically... http://www.articlealley.com/article_97561_19.html 08th November 2006 The biggest question in the car buying process is whether to buy new or used. The second biggest question is what make and model to purchase. The third most important question is where to get your financing. #1 New or Used The average new ... http://www.articlealley.com/article_86662_31.html 07th September 2006 See how many of these questions about bad credit you get right: What exactly is bad credit? "Bad credit" is defined as a FICO score of 620 or lower. FICO (the initials stand for Fair, Isaac and Co.) scores range from 300 to 900. A score above ... http://www.articlealley.com/article_86384_19.html 03rd September 2006 Dealing with auto dealers can be the most daunting and frustrating part of buying a vehicle. Here are seven things you can do to tilt the playing field in your favor and help you get the most auto for your money. 1. Get your financing first: S... http://www.articlealley.com/article_84841_31.html 31st August 2006 "Using a real estate agent is a very good idea," says the U.S. Department of Housing and Urban Development (HUD). "All the details involved in home buying [and selling], particularly the financial ones, can be mind-boggling. A good professional can guide ... http://www.articlealley.com/article_75239_33.html 24th July 2006 There are more than 19,000 mortgage companies in the U.S. and some of the largest and most reputable of them specialize in subprime mortgage refinancing. Steven Frank, Senior Vice President of Marketing at FlexPoint Funding identifies a subprime borro... http://www.articlealley.com/article_73364_19.html 19th July 2006 Bad credit car loans are easier to get than ever before, thanks to the growing subprime loan market. Almost half of all car loans today are bad credit loans, in that they are made to borrowers with FICO scores below 620. Bad Credit Buyers Beware... http://www.articlealley.com/article_70880_19.html 07th July 2006 More and more consumers are getting their auto financing online instead of from the dealerships where they buy their vehicles. Getting auto financing from a dealership has some benefits: * Convenience - vehicles and financing are in one place and the d... http://www.articlealley.com/article_67458_31.html 28th June 2006 Getting a bad credit car loan is only the beginning for drivers with money problems. If you have a credit score below 620, you will be in the bad credit category. You can still get a car loan; you'll just be charged a higher interest rate. To offset th... http://www.articlealley.com/article_67282_31.html 26th June 2006 Getting online auto financing has become very popular in the past few years. According to a recent survey by Forrester Research, online shoppers are expected to spend $15.9 billion on autos and auto parts in 2006. The study also notes that, "22 percent of... http://www.articlealley.com/article_64763_19.html 20th June 2006 Almost half of all car purchases in America are financed. Couple this with that fact that 30 million Americans have credit problems and you see why there's such an interest in bad credit car loans. While carrying higher interest rates than prime loans,... http://www.articlealley.com/article_64040_31.html 16th June 2006 Bad credit second mortgages make up a sizable part of the mortgage market. According to a recent survey by the Mortgage Bankers Association, the number of second mortgage originations increased by 13 percent in the second half of 2005 and closed-end secon... http://www.articlealley.com/article_60452_19.html 07th June 2006 The home equity loan came of age in 1996 when changes in the tax law eliminated deductions for the interest on most consumer purchases. Interest paid on home equity loans, however, remained exempt, up to $100,000 for taxpayers filing jointly. The two m... http://www.articlealley.com/article_60079_19.html 04th June 2006 In these times of rising interest rates, second mortgages or first mortgage refinancing might be just the thing to keep your housing costs from going through the roof. In a recent article in Parade magazine, How To Save on Your Mortgage, Lynn Brenner cons... http://www.articlealley.com/article_57317_19.html 26th May 2006 Debt is a fact of life in America, making debt relief a national obsession. A search for "debt relief" on Google pulls up over 34 million pages; on Yahoo and MSN, the total is over 12 million pages. The average American household has $9,300 of credit c... http://www.articlealley.com/article_53781_19.html 16th May 2006 More than 30 million have credit problems cause by everything from late payments to bankruptcy. The American Bankruptcy Institute reports that, "The number of bankruptcy cases filed in the 12-month period ending September 30, 2005, totaled a record 1,782,... http://www.articlealley.com/article_49738_19.html 02nd May 2006 If interest rates have dropped by a percentage point or more since you got your first mortgage, refinancing could save you big bucks. And if you have enough equity so that your new mortgage is for less than 80% of your home's value, you'll be able to stop... http://www.articlealley.com/article_26092_19.html 31st January 2006 A second mortgage can be the first step to climbing out of debt, especially for homeowners who have bad credit. A second mortgage is a loan taken out in "second position" on a property that already has a mortgage. There are fixed-rate loans, adjustable-ra... http://www.articlealley.com/article_24863_19.html 20th January 2006