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randy has been a member since February 15th 2012, and has created 2 posts from scratch.

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The experts can’t agree about the Federal Debt

There are many respected commentators writing regular articles on the state of the US economy, the size of the Federal Debt and US Debt ceiling.  Most try to portray a non partisan approach because a perceived association with either of the main Parties will probably devalue the quality of their comment.

The facts are that the Debt ceiling as risen remorselessly over the decades although ironically it was a Republican, Robert Reagan, who was responsible for more rises than any other President, 18 in all. The Republicans, if it is possible to generalize, want less Federal spending and it is their majority in the House of Representative that has resulted in the current problems where the Obama Administration is seeking a more liberal approach to help the less fortunate in the USA and to introduce a mote caring approach to health.

There is a continual problem in the USA of balancing public desire for low taxes yet the expectation that life will be good.  The fiscal cliff was perilously close when an agreement was confirmed; the tax aspects of the fiscal cliff that would have been enacted were eliminated at the last minute. Similarly the spending that was scheduled as a result of previous decisions was able to be funded.

If agreement had not been reached, there would have been a $487 billion decrease in spending; that decrease has been reduced by two thirds yet the situation seems to stagger from crisis to crisis. There is no question that 2013 will be a difficult year.

Obama inherited an economy that was in trouble. The Collateralized Debt Obligation (CDO) crisis left Wall Street in turmoil. The problems spread worldwide and in the circumstances where the economies of the World are interlinked it needs more than a US perspective to restore any buoyancy at all.

While the US has growth it is yet to reach a level whereby it can reduce unemployment to an acceptable level, if any level is acceptable. Certainly pre crisis levels are some way off and that is accepted by all commentators who are trying to interpret how the coming years will develop and what the US Debt ceiling level will be to meet the public’s expectations.

The Obama Administration has seen the ceiling rise 6 times but that is in a single term so it may reach double figures before Obama leaves Office. That would certainly not be popular with Republicans, especially if it was because of more Federal involvement in some domestic policies which they oppose.

The young and old, through education and medicare, will be more comfortable with Obama’s approach and therein lies the problem that the Republicans face. If they are labelled as the Party opposed to the welfare US citizens can they have any real expectation of regaining the White House? They are already under pressure to increase the share of the vote in many minority groups in the Country, minority groups which are increasing in size.

There is a political dilemma and an economic dilemma. The coming year could be one of the most interesting in years.

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Avail the benefits of a used car loan

If you don’t have the budget to buy a new branded car then you can definitely purchase a used car. For this you have to take out used car loans and getting an approval for a used car loan can be sometimes difficult. But in spite of such difficulties you have to search for a used car loan that suits your Easy Finance. Before you take out the loan you must check your financial status to know how much dollars you can pay every month so as to repay your used auto loans soon.

  • Why it is sometimes troublesome to take out a used car loan?

You must know the fact that car loans are generally secured loans. This means the value of the car is the collateral for the loan. So if you falter on your loan payments, the lender will take back your car. But in case of used car loans the actual value of the car is at times quite hard to be determined as the vehicle loose their value very quickly. The lender can’t be sure that the car will be worth more than the amount of the loan. To make up for the possible decline in value, many traditional lenders often charge significantly higher interest rates on their used car loans.

  • Buy a car first or get a loan?

If you have already decided to purchase a used car, then you must first shop for used car loans with good terms and conditions. Although it is difficult to find out this type of loan, but you can get this type of loan, even if you don’t possess a good credit score. The best option for you will be to search for direct lenders who are specialized in used car loans. A lender doesn’t require a middleman to issue you the loan. He will approve you the loan directly.

Lastly, before you take out a used car loan you must check the BBB (Better Business Bureau) records of the company which will help you know whether or not there are any unresolved complaints against this company. Go through the terms and conditions of the loan properly and ask them to provide you a list of their existing customers. Contact them, talk to them and know whether or not the company keeps its promises as made earlier.

Payday loans – Will it cure or exacerbate your easy finance?

Payday loans termed as short term loans or instant cash loans has a very low processing time. It has minimal eligibility criteria which you have to fulfill while you’ll apply for the loan. That is why payday loans are quite popular amongst the consumers. However, most people while taking out this type of loan doesn’t realize the fact, that these are high interest loans which they have to repay within a couple of months. If you fail to pay back the amount, you have to knock on the doors of debt relief firms so as to repay your personal loans soon.

• Why are payday loans so popular?

There are many reasons why payday loans are quite famous. Firstly, it provides you immediate cash to serve an emergency situation. When you need cash, there is no alternative to payday
loans. Secondly, the criteria for being eligible to take out payday loans are quite simple. If you’re a citizen of America and more than eighteen years old with constant source of income for past six months, you’ll get the approval. Moreover, one admired fact about payday loans is that, it doesn’t require a good credit score. Even with a tarnished credit, you’ll be able to take out a payday loan. Hence, for some people these are the only source of cash when they are in need.

• How payday loans are helpful to your easy finance?

These loans are the instant answer to emergency cash needs. There might be such situations, especially towards the end of the month; you need quite some cash for paying a medical bill or some repair services at home and such important need. As your salary has considerably diminished by the end of the month, it becomes very difficult to pay for such cash needs. Thus payday loans come as a savior for you. You can find reliable payday loans website in the internet. All you have to do is fill up the forms available on the websites and submit them online. You will find the amount that you have applied for being credited to your account within twelve hours to twenty four hours. The reason for such fast processing is that there are no documents checking and neither is there any credit check with such loans.

Thus, payday loans are good if you’re able to repay the amount within the billing cycle. If you roll on the balance, you’ll surely fall into the trap of payday loan debt.

Austin Debt Consolidation

Make sense of everything by doing a Austin Debt Consolidation Program

It’s a haze. From the moment you are confronted with the realization that you can’t possibly handle the debt on your own, the tables are turned. Austin Debt Consolidation can help you straighten things out. Imagine putting the disarray and the uncertainty behind you. Take a second to imagine having the power back in your hands again, rather than leaving it in the hands of the banks and creditors. This opportunity is staring you in the face, and each moment you let go by without giving it a look in return is wasted. If you’re not sure what we’re talking about with regards to losing track of your affairs, be introspective for a short time and we’re certain you’ll see where we’re coming from, as it’s only natural.

Life on hold

Pending purchases – the first thing that we are forced to put on the backburner is buying. Not surprisingly, having a ton of debt is going to prevent you from buying things that are necessary. Even the most basic essentials can and have been denied to you, whether consciously or not, thanks to the money you owe. If this is an issue that has troubled you, that’s the first time Austin debt consolidation might be right for you.

Damaged relationships – debt brings with it a burden of its own. Dealing with the stress that is inherently a part of the debt process is one of the most difficult parts. In doing so, you have probably said one or two things you wish you hadn’t, or been forced to sit out one too many get togethers because you couldn’t afford it. Everything negative seems to come to fruition when debt forces you into dire straits.

Personal management – we often neglect ourselves when we’re in tough spots. One of the most overlooked side effects of this difficult time is that you have probably not spent a whole lot of time or energy on you. While we feel that we are invincible at times, that just isn’t the case. We all need self-maintenance every now an then, in every sense of the word. As much as we might like to, we can’t simply abandon looking out for ourselves in order to attend to other matters.

Don’t waste any time! Check out or Austin Debt Consolidation Programs

You have spent months or years already in facing these debt issues. You are probably as sick about hearing and thinking about them as you could ever be. So, why not take a close look at Austin debt consolidation. Just a few minutes of inquiry could make all the difference.

Debt Consolidation: Are you aware of its benefits?

Millions of people in the US fail to exercise financial discipline and incur overwhelming debt. Often their expenses exceed their income when they frequently use their credit card. Therefore, they default on their credit card payments and incur insurmountable amount of debt. In this situation, you might wonder is debt consolidation good for you to get back on the right financial track. If you are unable to manage your multiple payments then consolidation can be an appropriate option to pay off your multiple credit card bills. Make sure that you have stable income in order to consolidate and pay off your multiple bills.

When you consolidate your debts then you can save considerable amount of money as well as attain financial freedom. If you consolidate your debts then you can get affordable monthly payment as the interest rate on the credit card is lowered.

Here are a few points that will help you understand whether debt consolidation is the right option for you:

1. The interest on the credit card is usually high so if you default on credit card bills then the accruing interest on the principal balance will make it unaffordable to pay off. Therefore, if you enroll with a debt consolidation program as it will help you improve the interest rate. The debt counselors associated with the company will negotiate with the creditor to lower the interest rate on the principal balance to make it affordable to pay off. You can take out low interest debt consolidation loan and combine your higher interest rate debts into a single monthly payment.

2. Once your interest rates on the principal balance are adjusted after consolidation then your monthly payment will also be reduced. Therefore, you are required to make one payment each month and you can avoid missing on your monthly payment. It will be easier to keep a track of a single payment each month.
3. Debt consolidation process helps to minimize the amount you spend on interest rate so you can save considerable amount of money. Therefore, money you save can be used towards paying off the principal balance. As a result you can pay off your debts must faster and with ease.

4. When you start paying off the debts then you can avoid the harassing collection calls from the creditors. Remember that the effect of debt consolidation on the credit report is not as severe as filing bankruptcy.

Therefore, these four points will help you determine whether consolidating your debts will be a good option for you to attain financial liberty.