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Student Loan Consolidation
Student debt consolidation is the process of consolidating several types of loans into one debt. This results in reduced monthly payments- which results in a lot of saved money in the long run. Consolidation loans will have fixed rates- giving you an added benefit on saving to recover your debt.
Such services can be obtained by American Education Services consolidation- or AES for short. You can save up to 50% on your bill with this service- a very good value indeed. ACS consolidation is also available- and is much like AES in terms of how it works. Federal consolidation and Network consolidation also work in nearly the same way- giving you many choices. Not only can you save a good deal of money on your bill- but you get the added benefit of having just one bill a month- not several. This can reduce stress and let you route your energy to other problems, instead of worrying about which bills you should pay.
You can generally choose debts that will last 10- 30 years generally. You may get lower payments, but the total amount to be paid will be higher in the long run. It has been debated as to whether the government should allow such consolidation among the Federal consolidation service only. This would put some banks and companies at a loss, such as the AES consolidation or ACS consolidation, but may be better for students in the long run. Federal consolidation has a very good rate- and is often better than banks or other companies can do. You will also not encounter hidden fees or tricks- making Federal consolidation an easy choice. This isnt always the best way to go- as some companies actually do have lower rates. But make sure you get a second opinion before you decide on anything for certain.
With such consolidation, you can lower you monthly payments. However, you will want to debate the decision, as you will end up with 10- 30 years worth of debt to be paid. The consolidated debt into one bill can be less stressful, but often this is a small benefit when considering long term effects. You may wish to pay separate bills and have the freedom of paying off your student debts as fast as you can- certainly much faster than 10-30 years worth of debt.
If you are looking into student loan consolidation- make sure you look at your options first. Rushing into student loan consolidation can put you into a huge debt that will take you many years to recover from. If you are on the verge of bankruptcy, or desperately need the money, consolidation is the best choice for you- but keep in mind you will be paying your decision off for many years to come. If you are looking to simplify paying your bills, this is probably a bad choice- and this decision shouldnt be taken lightly. You should talk to a consolidation broker, or ask help with your bank for more information to see if this is right for you.
AMEX Platinum Business FreedomPass Credit Card – Financial Independence for Small Businesses
Compared to other credit cards, as well as other American Express Cards, the American Express Platinum Business FreedomPass credit card actually gives you “freedom”. Though its interest rates are marginally higher, yet the freedom to use as many of the points earned whenever you want, wherever you want and on whatever you want sets it apart form the rest.
The AMEX Platinum Business FreedomPass also gives you the benefit of carrying a balance from one billing period to the next which you might not get in other cards.
The advantages of the AMEX Platinum Business FreedomPass credit card are multitudinous. To name a few, if you are an AMEX Platinum Business FreedomPass program member you will enjoy the benefits of a point based reward program without any additional charge. In fact, you will be awarded 5000 bonus points after your first purchase with the AMEX Platinum Business Card.
The point based system allows you to redeem for savings on any flight, hotel, car rental or cruise and any other travel expense imaginable. If some points could not be used, for your convenience they can easily be converted to cash rebates. There are no blackout dates and no travel restrictions with the AMEX Platinum Business FreedomPass credit card as there is no such thing as the expiry of the reward points.
You don’t have to spend a hefty sum in order to gain points; you are awarded one point for every dollar spent by you. Points can only be redeemed towards a purchase in 7500 increments, which is equal to a credit of up to $100, and they must be redeemed in a single request.
You don’t have to pay any annual fee and there is 0% intro APR for 12 months. The AMEX Platinum Business FreedomPass also has one of the lowest annual percentage rates of 12.99% for purchases on the cards where the balance does not accrue.
Paying the bill with AMEX Platinum Business FreedomPass is a cakewalk. You are spoilt for choices here, you can pay the bill in full each month or you can carry over the balance to the subsequent months. Using the Platinum Business FreedomPass is free of hassles and completely safe even if used for online purchases. You can track card spending and also get account alerts among the other benefits.
For recurring expenses like your wireless phone bill and insurance payment, you can use the card to automatically pay these routine charges which will appear on your billing statement. What’s more, you can pay them with one check instead of several and your AMEX bill pay is fee-free. To make you feel special the customer care is always there for you.
To add to the privileges AMEX Platinum Business FreedomPass credit card allows you to cash personal checks at more than 2200 American Express Travel Service Station locations, up to $ 10000 per account every 30 days and you may get up to $ 500 in cash and the balance in American Express Travelers Checks and if the card is lost it is replaced sometimes in as little as 24 hours.