At the beginning of any financial relationship there is a honeymoon stage. Maybe it’s a credit card provider offering a low introductory rate. Maybe it’s a financial planner promising to let you retire in a few short years. When it all ends, it can be an unpleasant wake up call. Whether you have suddenly found service slipping or have found that a financial service or product is not delivering as promised, you suddenly want out. Here’s what to do:

1) Give the service or product provider a chance to help you. Call your financial services provider and explain why you are considering switching. Give them a chance to win back your service with a good deal or with better service. Explain the problem and you might find that your provider is genuinely eager to help.

2) Time your exit well. If you can’t work it out, at least consider when you will leave. Keep in mind that closing most accounts will temporarily affect your credit rating. Closing credit cards and long-standing accounts can have the biggest impact on credit. Avoid d

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In a suprising announcement Friday, HUD Secretary’s Shaun Donovan announced HUD will now insure FHA home loans on properties that have been owned for less than 90 days by the seller. 

This policy change will permit buyers to use FHA-insured financing to purchase HUD-owned properties, bank-owned properties, or properties resold through private sales. Thi

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Facebook was originally set up to allow friends to easily communicate with each other online. Users can display and share particular interests, join groups, create events and message each other to build a Facebook relationship. Recently, businesses have used the social networking site to further promote and advertise their company in an attempt to build good public relations and boost sales. A recent BBC article (http://news.bbc.co.uk/1/hi/8273667.stm) suggests it is small businesses that have the most to gain. The Facebook account is free to set up and can be easily managed to adopt a friendly, welcoming approach advertising new promotional offers, news articles surrounding the business or links to the company’s site itself.

By using Facebook, Cash Genie is able to reach out to a large national audience. The users that regularly go on Facebook are very similar to Cash Genie’s customers. Customers are directed to the website from Facebook to apply for a fast cash advance, and directed to Facebook from the Cash Genie site to ‘follow’ company actions, receive offers on short term loans and to learn more about the ethics behind the company. For a c

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When you think about purchasing a car the best way to do so nowadays is to get car loans. However, depending on what your financial situation is you might opt for any one of the many car loans options around. However, you need to bear in mind that an offer that seems to be too good to be true might just as well be so you need to watch out for potential scams and look though all the hype created by lending companies. All lending companies, regardless of whether they are online or offline, are out to make a profit but their profit depends mainly on the type of risk they are taking and this is why if you have a good credit score the interest rate you pay is significantly lower than if you had a low credit score or poor credit score.

People who are looking for quick car loans often think that visiting their nearest dealership is probably their best option. A dealership is a good option for those people who are finding it impossible to qualify for car loans elsewhere. The reason you shouldn’t go to a dealership as your first option is because of the really high interest rates they offer. M

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