Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
12/11/2019 04:31:39

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
Light SaberFroggerPloopSign Of ZodiacCrystalix

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles


Related Images

Article Category Videos to Watch
Go to the Videos Pages

The Pros And Cons Of Debt Consolidation Loans

Financial issues are the greatest concern in any average household. More than 40% American families spend more than what they earn. An average American household has a credit card debt of approximately 10,000 dollars.

What is Debt consolidation?

Proper money management with debt consolidation is the most practical solution to your debt problems. A debt consolidation loan can help you maintain sound financial health. It is the most preferred alternative to declaring bankruptcy. It enables you to rebuild your credit rating and make payments without having creditors breathe down your neck or paying high interest rates. Nearly all debt consolidation loans are given in the form of home equity loans. Once you pay your debt, all your payments are consolidated into one monthly payment to the lender, at a lower interest rate. Borrowing more money to pay your bills will not help you to get rid of your debts but a low interest rate will surely help you to pay your bills faster.

Pros of debt consolidation loan:

- A debt consolidation loan will combine all your payments into one payment. According to the statistics, an average American citizen pays 11 different creditors, monthly. Making a single payment will help you in figuring out how much and when you need to pay. You will be able to manage your finances easily.
- Home equity loan, also called a second mortgage, is the most common type of debt consolidation loan. The interest rate of this loan is lower in comparison to other consumer debt interest rates. Since the interest rates are lower, the amount you pay per month will decrease gradually.
- You need to deal with only one creditor. If you have any financial issues, you need to call or visit one creditor, instead of several. This will help you to save on time and energy.
- The interest that you would pay on a mortgage or a home equity loan could be used to reduce your taxes.
- A debt consolidation loan helps to improve your credit rating.

Although the idea of getting a debt consolidation loan may sound great, it is important to understand the cons involved.

Cons of debt consolidation loan:

- You need to qualify for a debt consolidation loan or mortgage.
- Debt consolidation loan is a secured debt. A secured debt enables the lender to take away whatever was secured for the loan, if you fail to pay back.
- You may end up spending more than what you would have, if you kept to the individual loans. This is due to the fact that the interest rates of these loans are comparatively low.
- Debt consolidation helps to make your payments easier and this may make you resume your old spending habits and the use of credit cards all over again.

It is important to take a realistic look at all the possible pros and cons before applying for a debt consolidation loan. Debt consolidation loan ads come across as solutions to come out of your present financial problems, but it is advisable to take time and decide whether it will work to your interest.

About the Author: Joe Kenny writes for the Loan Store UK and offer more information on UK debt consolidation loans and other loan topics available on site.

Visit Today:

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.