Category Archives: Greatest Opportunities

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Survey: Does Credit Compatibility Predict a Successful Marriage?


San Francisco, CA (PRWEB) February 11, 2014

In a new survey that looks at how married and divorced people deal with credit and debt, Credit.com found that almost half – 49% – of currently married couples reported their credit scores to be about the same as their partners, while only 26% of divorced couples said the same about their credit scores during the time they were married. Beyond that, 81% of married survey respondents who said they had similar credit scores to their spouse reported they were very satisfied (52%) or somewhat satisfied (29%) with how they were managing their credit and finances. They also tended to manage their credit and debt cooperatively with their spouse (61%) vs. divorced people when they were married (29%).

Yet overall only 37% of married couples are very satisfied with the way they are managing their finances, while 49% of divorced couples say the same.

More important takeaways from Credit.com’s 2014 Marriage, Divorce & Credit Survey:

Respondents are fairly evenly split on whether their credit scores improve or get worse after divorce

30% of divorced respondents say their scores are significantly better after their divorce
31% say that their scores got worse
16% say their scores are somewhat better
23% say that they don’t know

For divorced individuals, credit and debt usage grows during marriage (comparing prior-to-marriage vs. post-divorce debt levels)

Those with credit card balances increases from 53% to 70%
Those with mortgages increases from 32% to 54%
Those with auto loans increases from 38% to 46%
Those with student loans increases from 24% to 31%
Those with medical debt increases from 20% to 27%

It can take a long time to separate finances after a divorce

6% say it took more than 3 years
14% say it took between 1-3 years
15% say it took between 6-12 months
The remainder say it took less than 6 months

Many regret not talking about credit and finances before marriage

28% of divorced regret not discussing credit and financial goals before getting married vs. 10% of currently married people
66% say that money contributed to their divorce
45% of married say that credit/debt issues cause stress in their marriage

Satisfaction in how they are managing their credit and finances can improve as well

49% of divorced are very satisfied with how they are managing their finances after their divorce vs. just 37% of married

About the Survey

Credit.com Marriage, Divorce, and Credit Survey was based on data collected from 1,061 US consumers, aged 18+, using SurveyMonkey Audience, over the period January 31 – February 2, 2014.

About Credit.com

Credit.com is a trusted source of financial information for consumers. Founded in 1994, and run by leading credit & money experts, Credit.com offers the latest news, advice, and free, easy-to-use tools to help consumers gain valuable insight, save money and make smarter financial decisions. Its flagship product, the free Credit Report Card, has been recognized as an innovative consumer finance tool by CNN, Wall Street Journal, Fast Company, and others.

To learn more about Credit.com’s Marriage, Divorce & Credit Survey, or other issues related to credit, debt and personal finance in general, please contact Michael Schreiber at michael(at)credit(dot)com or Gerri Detweiler at gerri(at)credit(dot)com.

*The Marriage, Divorce & Credit Survey was conducted among 1,061 adults online Jan 31 – Feb. 2 on behalf of Credit.com.







Rate State: Home Refinancing Opportunities Are Just Around the Corner

Seattle, WA (PRWEB) February 11, 2014

Inspired by a report from CNN Money, Rate State has taken the initiative to inform homeowners of recent improvements to the home refinancing industry. The consumer has greatly benefited from the steady decline of mortgage rates, leading many professionals to believe that the months ahead will lend ideal refinancing opportunities. Rate State describes these changes in a clear, reader-friendly article.

The blog post begins with the raw numbers, stating that “…mortgage rates have sunk each week in 2014. 30-year, fixed-rate home loans are experiencing 4.23% interest rates, that, in comparison to 4.53% at the beginning of the year, are allowing for more home refinancing options. In fact, applications for refinances are up 3% from last week.”

In the remainder of the article, Rate State explains these numbers is a concise, informative manner. Homeowners are given detailed descriptions of the cost difference between 4.23% and 4.53%, as well as additional resources to read and appreciate. As rates continue to fluctuate in favor of the homeowner, Rate State remains dedicated to presenting the most affordable, informed, and efficient refinancing options.

About Rate State:

Rate State helps consumers compare today’s mortgage rates through their online comparison tool.. They provide consumers with access to the information they need in order to make a decision potentially saving thousands of dollars over the term of their next home loan. To learn more or compare mortgage rates now, visit http://www.ratestate.com/







Related Money Making Report Press Releases

Make Money Online With Short Reports

There are probably a million different ways you can go about making money online. In my opinion, creating short reports is one of the best methods there is. Here’s why. First of all, information products such as short reports are expected to reach over $ 450 billion in sales by the end of 2010. If thats not reason enough, well I don’t know what is. Oh, and by the way, that number is expected to continue to rise over the next few years. I wouldn’t be surprised if it turns into a trillion dollar industry in the next 5 years or so.

People literally go crazy over short reports that provide them with quick problem solving information. The key to make money online solving problems. It doesn’t matter what business model you choose to go with, you will have to solve peoples problems if you plan on make big money online. The quickest way to solve a persons problem is via a short, 20 page report. Jimmy D Brown is very famous for creating short reports and making a huge fortune in the process. There is no reason why you can’t do the same. Short reports are big, big business.

In order to get started you will need to first find a problem that needs to be solved. Usually you can look at your own life and discover problems that you have helped others solve. If your friends are always asking you about a common problem then you should consider creating short report about. Cause chances are millions of other people are dealing with the same problem they are. If however that doesn’t work, you can browse around a few forums online to see what the common problems are. Once you find one, do a little research and create the solution to the problem.

A report of this nature will usually sell for around $ 7.

You sell 200 copies and you have just made $ 1400. If you are good you can write a few short reports every month and turn that into a million dollar busi

 

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How to Make Money With Reports?

Can we make money from the reports?

Yes! We can make money from reports! But the report needs to be marketable, people should be in need of information that you will provide with in your report.

People are fond of reports as they have concise and practical information. The best thing is that, usually these reports do cost around $ 10. So people who can effort to buy these reports will be more than people who can purchase high priced products.

These reports are easy to prepare and doesn’t take much of your time to prepare. Hardly these reports will be of 30 pages in general.

How to get started?

Step-1: Think on what you can prepare a report. Keep in mind that what ever the information that you produce in your report should be valuable. There should be people who are in need of the information that you provide.

Step-2: Now write the report. In general the reports which are simple and have “How-to” information will make more sales.

For example check out whether there is a market for money making information. There is market, so choose a business opportunity and make a study on it. Start preparing report with “How-to” information on that business opportunity. Provide some valuable information; this is the key aspect in preparing the reports.

Step-3: Set a price for your report. Price should be competitive and information that you are providing in your report should worth the price of the report. Reports will be around $ 5-15 depending on the worth of the information.

Step-4: Prepare a sales page. Prepare a convincing sales page to your report.

The good the sales page is the better the conversion rate would be. Observe the sales pages of your competitors and try to prepare your sales page much better than them. Make sure that your page is SEO friendly so that you get good search engine traffic as well for your sales page.

Step-5: Sell your report. This point is covered in the previous step itself. How ever I just want to give an advice- Give multiple payment options and do not hide the price of your report in the sales page. Get some targeted traffic to your sales page and that makes a huge difference. Put your efforts and you will succeed for sure. Wish you all the success!

If you like this article, you will also like this– How did I make money with reports?
http://onlinetreasurehunt.info/homebusiness/?p=70
I have explained my experience on making money with reports.