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Articles from Keith Garrow | Selfgrowth.com
- How Do I Consolidate My Debts - Information And Advice About Debt Consolidation - by Submitted on Aug 19, 2009 from Keith GarrowDebt consolidation is a widespread method of tackling debt problems, and involves consolidating lots of different debts into one, lower monthly payment. There are two different approaches to debt consolidation, one of which involves taking out a new loan, and the other type which does not ...
Views: 817(3 votes) - How Do I Lose Weight Fast And Not Put It Back On Again? - by Submitted on Feb 23, 2011 from Keith GarrowWith more than sixty percent of Americans now said to be overweight, there are literally millions of people who are struggling with their own weight loss efforts. As with everything else in our fast paced modern life, we all want results quickly, so of course it is natural to want o lose weight ...
Views: 2133(3 votes) - Lose Weight Quick – About Quick Weight Loss Diets - by Submitted on Nov 18, 2010 from Keith GarrowEverybody who is looking to lose some weight will have no doubt wished to themselves that the process could go a little quicker. If there was an instantaneous way to lose a lot of weight, nobody would be overweight or obese and this is the option that we would all choose. But the truth is that ...
Views: 1267(3 votes) - Negotiate Credit Card Settlement - Advice On How To Settle Your Credit Card Debts - by Submitted on Aug 11, 2009 from Keith GarrowWe all use credit cards and we probably all spend a bit more than we really ought to, but when finances are tight it is really easy to slip gradually into fairly serious debt. It gets to a point where it becomes a vicious circle as your card bills rise, leaving you less and less each month, ...
Views: 771(3 votes) - Pay Plan Debt Management - Using A Pay Plan To Get Rid Of Serious Debt - by Submitted on Sep 04, 2009 from Keith GarrowThere are many possible ways to deal with debt problems, but one of the most common and most effective is through some sort of debt payment plan. These are properly known as debt management plans, but are essentially a structured way to pay just a set amount each month towards clearing your ...
Views: 812(3 votes) - What to Do if You Are Being Sued for Credit Card Debt - by Submitted on Jul 22, 2009 from Keith GarrowBeing sued for debt is a frightening thought, but is an increasingly likely scenario for many consumers struggling through the credit crunch. One of the most common forms of consumer debt is money owed to credit card companies. The reason for this is not least because it is often very easy to ...
Views: 1195(3 votes) - Disadvantage of Debt Consolidation - The Facts About Debt Consolidation - by Submitted on Feb 07, 2010 from Keith GarrowYou will have no problem at all finding thousands of pages on the internet extolling the virtues of debt consolidation, but that is because they are all by people who are selling it as a service and therefore have a vested interest in pointing out the positive side. Getting to know what the ...
Views: 1721(4 votes) - Successful Credit Card Settlement - How To Achieve A Successful Debt Settlement - by Submitted on Sep 15, 2009 from Keith GarrowCredit cards are a wonderful thing, but they can be a little too wonderful for many of us, when they make it all too easy to spend money we do not yet have. It is usually the cumulative effect of using several cards over a period of time that leads to the total debt gradually getting out of ...
Views: 884(4 votes) - Negotiating Settlements With Creditors - How To Negotiate Debt Settlements - by Submitted on Oct 12, 2009 from Keith GarrowIt can be extremely stressful to be called at every hour of the day by creditors who want to be paid. The difficulty for most people in this situation is that they cannot afford to pay the creditors the money that is owed, but do not know how to make things any better. The best solution to ...
Views: 804(6 votes) - How Do I Consolidate My Debts If I Can't Afford The Monthly Payment? - by Submitted on Aug 28, 2009 from Keith GarrowDebt consolidation is a widely understood process which involves consolidating a lot of existing debts into a single monthly payment. In the UK, consolidation is generally understood to involve taking out a debt consolidation loan to pay off the old debts, but in the US the term means the same ...
Views: 1286(7 votes) - Best Debt Program - How To Find The Most Reputable Debt Management Companies - by Submitted on Sep 07, 2009 from Keith GarrowThere are thousands of companies offering debt programs in both the US and the UK, but how can you tell which ones are going to get the best results? More importantly, how can you make sure you avoid those companies that have no interest in getting you out of debt, but just want to sign you up ...
Views: 1102(3 votes) - Can A Collection Agency Sue For Debt – Strategies To Help Avoid Being Sued For Debt - by Submitted on Aug 07, 2009 from Keith GarrowHaving a debt collection agency phoning you up every hour of the day is bad enough, but being sued by them is something altogether more serious. In most cases, a collection agency will be chasing a debt on behalf of the company that the money is owed to. The debt is still owed to the original ...
Views: 1082(2 votes) - Can You Be Sued For Credit Card Debts? Not If You Negotiate Credit Card Settlement First - by Submitted on Aug 11, 2009 from Keith GarrowWhen credit card debts go unpaid, it is not at all unusual to be threatened with legal action. When this happens, it is reasonable enough to wonder if they really can sue you or whether this is just another ploy to scare you into paying back the money they are chasing. Debt collection agencies ...
Views: 852(1 vote) - Debt Negotiation Advice - How To Use Debt Negotiation to Become Financially Free - by Submitted on Aug 25, 2009 from Keith GarrowDebt negotiation is an approach that is used every day to help people deal with serious debt problems. The main principle involves negotiating settlement agreements with your creditors to get them to significantly reduce the size of your debt in exchange for a prompt repayment, usually a lump ...
Views: 772(2 votes) - Debt Payment Plans - Advice And Tips For Using A Payment Plan To Get Out Of Debt - by Submitted on Aug 28, 2009 from Keith GarrowDebt payment plans are a way of consolidating your debts into an affordable monthly payment. They are generally known as debt management plans, and are a widespread and successful way of tackling debt in the US and in the UK. In this article I want to explain how debt payment plans work and ...
Views: 773(3 votes) - Erase Bad Credit Reports – Is It Possible To Wipe Out A Poor Credit Record? - by Submitted on Jun 11, 2009 from Keith GarrowWould you like to erase your bad credit report? Yes of course you would – who wouldn’t. Unfortunately that does not mean that it is possible to do so. You can take steps to improve and help build up your credit rating, but there is nothing you can do to just erase a bad credit report. So why ...
Views: 2970(1 vote) - Free Money To Pay Off Debt – Is It Really Possible To Have Any Of Your Debts Paid Off? - by Submitted on Jul 30, 2009 from Keith GarrowBeing in debt can be a highly stressful experience, not least because it is often impossible to see any way out of it. When your debts build to a certain point it is easy to feel that you are never going to find a way of getting enough money to pay back the amount that you owe. At times like ...
Views: 888(2 votes) - Government Debt Management Help And Advice - by Submitted on Aug 20, 2010 from Keith GarrowNo matter how good your money management skills are, there might come a time when you'll find yourself with more debt than you can handle. This is especially true if you live in an economy wherein people rely mostly on their credit cards to make purchases. What are you supposed to do if such ...
Views: 1255(1 vote) - How Can I Lose Weight Fast And Easy Without A Diet? - by Submitted on Jan 11, 2011 from Keith GarrowWhen we are dissatisfied with our bodies it is perfectly natural for us to want to lose weight as quickly as possible and preferably with as little effort as possible too. Most people have a general understanding of the usual requirements for weight loss, but that does not stop us from looking ...
Views: 1387(2 votes) - How Do I Consolidate My Debts? - by Submitted on Jun 03, 2009 from Keith GarrowIn many ways a better question might be ‘should I consolidate my debts’, rather than ‘how do I consolidate by debts’. Debt consolidation is a relatively straightforward process in itself, made as simple as possible by the loan companies who are eager to offer you a loan. However, before you ...
Views: 1070(1 vote) - How Do I Start An Online Business - Advice On How To Make Money Online - by Submitted on Nov 30, 2009 from Keith GarrowHave you ever had the desire to start your own online business but were not sure how to go about it? You may be surprised at how easy it can be. One thing that often stops people is thinking that they need to have some brilliant and unique idea, or something to sell. If you have a fabulous ...
Views: 760(2 votes) - How Do Websites Make Money - How To Get An Income from your Website - by Submitted on Nov 30, 2009 from Keith GarrowMany people are not aware of the fact that websites can make money even if they don’t sell any product or service. Websites can and do make money every day for thousands of people all over the world. The basic principle is very straightforward - the main income comes from adverts on the ...
Views: 765(4 votes) - How Do You Treat Hemorrhoids Effectively And Naturally? - by Submitted on Jan 17, 2011 from Keith GarrowFinding an effective treatment for hemorrhoids or piles can appear to be an impossible task. Any chronic sufferer who has experimented with different treatments and cures will almost certainly have found that none of the traditional drugs or creams have much effect and that none of them seem ...
Views: 1137(1 vote) - How Does Search Engine Optimization Work – Looking at Keywords - by Submitted on Apr 23, 2009 from Keith GarrowExplaining how search engine optimization works is an enormous task, which is why I have written three separate articles on just the most important three factors. I have examined the need for quality content and the importance of links in previous articles, and in this one I am going to focus ...
Views: 872(2 votes) - How Does Search Engine Optimization Work – The Importance of Content - by Submitted on Apr 23, 2009 from Keith GarrowSearch Engine Optimization is an enormous subject, involving far more than can be covered in one article. For this reason I will be writing several articles on the subject, each focussing on one important aspect of search engine optimization. First of all we need to be clear what we mean by ...
Views: 633(1 vote) - How To Blog For An Income – Understand How You Can Blog To Create Income - by Submitted on Nov 30, 2009 from Keith GarrowNot that long ago there was no such thing as a blog, and now we hear of people making small fortunes from them. Not surprisingly, many people do not understand how this is possible. No-one has to pay to read a blog, so how on earth can anyone make money by doing it? It is actually very simple ...
Views: 687(5 votes) - Letters To Write To Creditors - Advice About Negotiating Debt Settlements - by Submitted on Aug 13, 2009 from Keith GarrowWhen you are deep in debt and trying to find a way out of it, one option is to see if you can reach an agreement with your creditors yourself. This is a very positive step, and is certainly better than ignoring the situation and hoping that it might go away. If you are able to reach agreements ...
Views: 1012(1 vote) - Negotiating Credit Card Debt Yourself - Advice On Dealing With Credit Card Debt - by Submitted on Oct 12, 2009 from Keith GarrowIt is amazing how quickly credit cards can turn from being a wonderful way to get the things you need to being a terrible burden hanging around your neck. Credit card debt builds up gradually but can become a huge problem that can even lead to personal bankruptcy. Even if you can still afford ...
Views: 961(1 vote) - Remedies For Unsecured Creditors - Advice On How To Eliminate Unsecured Debt - by Submitted on Oct 12, 2009 from Keith GarrowWhile it is of course true that no debt is good debt, unsecured debts are distinctly preferable because there are more options open to you when it comes to getting rid of them. Finding remedies for unsecured creditors is not difficult, because there are two very well established approaches to ...
Views: 2412(4 votes) - Should I File Bankruptcy Or Is Debt Settlement A Better Alternative? - by Submitted on Sep 15, 2009 from Keith GarrowWhen personal debt reaches the kind of level where you just cannot see how you could ever be debt free again, many people think that bankruptcy is their only option. While bankruptcy is a way of ending a very serious debt situation in a relatively short period of time, it is an extremely ...
Views: 1065(3 votes) - Successful Credit Card Settlement - How To Write Off Debt Through Successful Negotiation - by Submitted on Aug 19, 2009 from Keith GarrowCredit card companies know exactly what they are doing when they make it so easy for us to get the things we want, even though we can not afford them. When money is tight it is all too simple to turn to our flexible friends for help. The problem creeps up slowly as the debt builds up, until ...
Views: 1355(3 votes) - Top Debt Settlement Companies - What To Look For When Selecting A Debt Settlement Company - by Submitted on Aug 19, 2009 from Keith GarrowWhen you owe lots of money and you decide you want to try to settle your debts, you naturally want to find the best debt settlement companies out there. This is a perfectly sensible approach, but can be easier said than done. Part of the problem is that that there are just so many debt ...
Views: 779(3 votes) - What Assets Can Be Taken In Bankruptcy - Does Filing Bankruptcy Mean You Lose Everything? - by Submitted on Aug 13, 2009 from Keith GarrowBankruptcy is a drastic step, and one usually taken by people who feel they have no other alternative. When you are declared bankrupt you essentially lose control of all your assets. In the US there are certain modest personal exemption levels for different types of asset, intended just to ...
Views: 880(2 votes) - What Happens When You Consolidate Your Debts? - by Submitted on May 12, 2009 from Keith GarrowDebt Consolidation is often the first thing that people consider when they experience debt problems. Consolidation debts is basically the process of taking out one large loan to pay off all your other debts, leaving you with only one payment to think about, which is usually a smaller amount ...
Views: 5430(1 vote) - Home Budgeting Software – Advice on Tools to Help with Personal Budgeting Strategies - by Submitted on Jun 03, 2009 from Keith GarrowThere can be little doubt that budgeting is a really useful way to plan and control your expenditure, but the reality of actually putting it into practice is often so daunting that we just never even start. There is a tendency to think of budgeting as a painful kind of rationing, making ...
Views: 1561(4 votes) - Can A Collection Agency Sue Me For Debt - How Do I Prevent Being Sued For Debt? - by Submitted on Oct 10, 2009 from Keith GarrowDebt collection agencies can sometimes be a bit over enthusiastic in their pursuit of an outstanding debt. It is not unheard of for a collector to threaten legal action just to scare you into paying up, rather than because they actually plan to take you to court. You can of course be sued for ...
Views: 1639(3 votes) - How Do I Start An Online Business - Find Out How to Make Money Online - by Submitted on Nov 30, 2009 from Keith GarrowWorking on your own online business from home is an incredibly attractive idea, not least because of the freedom and flexibility that comes with working for yourself. Many people make a good living by only spending a few hours a week on their websites. While the desire to set up a successful ...
Views: 675(3 votes) - Is Debt Consolidation Good - Should I consolidate My Debts Or Not? - by Submitted on Oct 12, 2009 from Keith GarrowDebt consolidation is generally understood to mean a process which leaves you having only one payment to make instead of lots of different debts. However, there is more than one way to achieve this, so a little explanation is required first, with regard to the possible alternative meanings of ...
Views: 823(3 votes) - Being Sued For Debt and Advice on How You Can Avoid It - by Submitted on Jul 09, 2009 from Keith GarrowCredit card companies and collection agencies are quite within their rights to take legal action against you if you have failed to pay a debt that you legitimately owe. Taking out credit is a legal agreement, so if you fail to keep up with your end of the bargain by not paying the money back ...
Views: 907(2 votes) - Debt Reduction Plans - How To Improve Your Finances Using Debt Payment Plans - by Submitted on Aug 27, 2009 from Keith GarrowDebt reduction plans are very common in the US and in the UK. These well established arrangements are also known as debt management plans or debt payment programs and the process of using them is sometimes referred to as debt consolidation in the US. In this article I will explain exactly what ...
Views: 996(4 votes) - Debt Settlement Program - Understanding Debt Settlement - by Submitted on Nov 04, 2010 from Keith GarrowNegotiating with creditors to write off a large part of your debts is one of the only ways to deal with really serious debt situations. The only alternative to this being bankruptcy. By using the right expertise you will be able to agree on a good debt settlement program that suits your ...
Views: 1280(2 votes) - How To Blog For Income – Discover The Secret To Making Money From Blogging - by Submitted on Nov 30, 2009 from Keith GarrowIt sounds like the perfect job doesn’t it? Writing your thoughts in a blog and somehow getting rich because of it – what a life. Of course, most of the stories you hear of people getting rich blogging are about those few whose blog has become hugely popular, enabling them to make a fortune. ...
Views: 712(2 votes) - Sample Household Budget Forms – How a Home Budgeting Form Can Help Your Finances - by Submitted on Jun 03, 2009 from Keith GarrowPeople experiencing problems with personal debt are not the only ones who could benefit from proper budgeting when it comes to household finances. Finding a long term solution to debt does involve learning to control spending, but budgeting is a process from which anyone can get real benefits. ...
Views: 1336(2 votes) - What to Do if You Are Being Sued for Debt - by Submitted on Mar 22, 2009 from Keith GarrowIf you genuinely owe money to a company and you do not pay it back in accordance with the terms you agreed, then the hard fact is that lender is perfectly entitled to sue you in order to get their money back. In borrowing the money, or buying things on credit, you will have signed an agreement ...
Views: 2090(4 votes) - 1 Month Car Insurance Is Widely Available And Perfect For Many Situations - by Submitted on Mar 04, 2011 from Keith GarrowIt is now possible to get car insurance for a one month period in the UK rather than only having the option of a policy for a full year. Not all insurance companies offer monthly insurance policies, but many now do, so with the help of the internet you should have no problem finding a company ...
Views: 1601 - A Good Debt Settlement Program Can Save You From The Stigma Of Bankruptcy - by Submitted on Jan 25, 2011 from Keith GarrowDebt is a normal part of many people’s lives, but when it gets beyond your control it can easily ruin your life and become a nightmare. You need to get rid of debt or else your unpaid bills and constant calls from creditors can make life very difficult to enjoy. If your situation is very ...
Views: 1134 - Advice On Provisional Driver Insurance - by Submitted on May 26, 2012 from Keith GarrowAre you ready to learn how to drive? You are finally able to get your provisional ldriving icense, but then you get some quotes and see just how expensive provisional insurance can be. You can expect to pay high prices on insurance when you have a provisional license, because insurance ...
Views: 1560 - Are Public Liability And Professional Indemnity Insurance The Same Thing? - by Submitted on Jan 14, 2011 from Keith GarrowThe only type of business insurance that is compulsory is employers liability cover. This has to be in place so that your employees are properly protected. There are, however, other insurances that as a business owner you should give very careful consideration to. Almost any type of business ...
Views: 1187 - Can A Debt Management Co Really Help Me To Get Rid Of Debts? - by Submitted on May 26, 2012 from Keith GarrowThere are few worse feelings that being called repeatedly by creditors insisting on immediate repayment of the loans or credit card debts that you have accumulated when you just do not have the money to pay them. While this is often a situation that we do not discuss openly, you are by no means ...
Views: 1344 - Can Anyone Apply For An IVA? - by Submitted on Apr 07, 2012 from Keith GarrowThe companies who can arrange IVAs will naturally tend to promote the main benefits to people with serious financial problems, in particular that it is a way to write off a large part of your debts. This is only part of the story and it has to be understood that it is by no means the answer to ...
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