Debt Settlement Advisor

Understanding how to consolidate debts will assist you in your debt management efforts. Having multiple debts and credit card payments can be stressful, overwhelming and can lead to financial difficulties. If you have many credit card payments that are difficult to manage, consolidating your debts is an efficient way to gain control of your finances and pave the way for more secure financial choices in the future.

If you are a recent graduate with multiple student loans, it may be in your best interest to consolidate your debts into one singular payment. This can help you manage your student loan payments by having only one monthly payment at a low interest rate.

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Fixed-rate mortgages are holding steady among European debt market concerns, mixed housing data and a sputtering economy. Freddie Mac just released results of its Primary Mortgage Market Survey and found that the 30-year fixed rate remain unchanged at 4.09 percent. The 15-year rate dropped to 3.29 percent which was a new record low.

This time last year the 30-year fixed rate mortgage averaged 4.37 percent. The 15-year fixed rate mortgage was at 3.82 percent on average last year. Even the 5-year Treasury-indexed hybrid adjustable-rate mortgage was down to an average of 3.02 percent this week compared to 3.54 percent last year.

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California, the most populated state of the country has everyone talking about it. Some media reports have stated that California has come in way under budget and will be facing a large debt that will be almost impossible to repair. Other reports state that the sunshine state is leading the nation in economic growth and output and is flourishing. Knowing which account to believe seems to require a more thorough examination of the facts.

Recent reports of an increasing amount of foreclosures in the state of CA as well as a decrease in state revenue have the media making some bold claims.

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For the third year in a row the Red Cross conducted a national holiday giving survey. They polled more than a thousand people about their plans for spending and charitable giving over the holiday season. This year the survey found that 45 percent of people plan to cut back on spending on travel and holiday decorations. Two in five plan to reduce spending on parties and more than a third are cutting back on their gift budgets. The fewest number of people report that they’re cutting back on charitable giving. One in four say they’re reducing their donations.

Men and women tend to respond to holiday budgets and spending differently. Forty-three percent say they feel bad about spending less on friends and family. Wom

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