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This genre of personal finance “advice” needs to die. Please and thank you.

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So before committing yourself to going with a particular organization ensure you do your homework. Check around and see how they have done for other people if you can. Make some calls to your state consumer affairs bureau and also the Better Business Bureau to see if there have been any problems in the past. After this is your money and if you won't fight for it you can hardly expect anyone else to do it for you! The best place to start is on the internet. You can quickly find and compare a huge number of banks and loan companies to sniff out the best rate for you. Don't just go to their sites though. Look for some of the magazines and comparison sites they will give you lenders you probably wouldn't have thought of. Before you apply for a loan for debt consolidation you need to sit down and figure what you're going to say to them. First up, make sure you only tell them the truth. Do you know one of the biggest reasons why people get turned down for debt consolidation? Poor credit isn't the answer! It's because they lied on their application form. The next point we need to look at is whether you will be making your own decisions on where to invest or getting a professional in to do the job for you. If you are planning to invest in the stock market you will need some serious knowledge of how to select stocks before jumping in. However if you choose to use a financial professional then you just need to make some enquiries to ascertain their track record. The Venetian traders were probably the first ones to begin dealing with government securities and even back then there was insider trading going on. In fact as early as 1351 there was a law passed in Venice which was designed to stop people spreading rumors that would drive down prices. As more formal commerce spread around Europe so did the need to have stock markets. Credit Card Consolidation Loans - Can They Save You Money Credit card consolidation loans can make a huge difference to your monthly outgoings if you have a number of credit cards with outstanding balances. Instead of paying the massive amounts of interest that the credit card companies charge you can often get a lower rate of interest together with a lower monthly payment. 

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