MoneyTalksNews asked:

Thousands of people are mailing their gold jewelry to places that turn it into cash. So what happens to all that gold?

Marvin

Bryan Burbank asked:




Consumer Debt Relief can help you if you have recently got into a problem with your credit card debt. There are programs that are available to you that can help you get rid of your debt and find the relief you need. A lot of people get into trouble because they get so many of those credit card offers in the mail and it is too easy to send them back to get more credit. IN the short term it is great because you fell like you have new found money but in the long term it only hurts you because you usually spend more than you can afford.

A Debt Consolidation Service can be a great way to get your debt eliminates or restructured. These companies will negotiate the debt you owe also they will be able to eliminate fees and lower the rate of interest that you currently pay. They can help you reduce your debt by 40-60% and this will also get you debt free in a shorter time.

Remember that these agencies are looking for people who are behind on there payments and have had a problem managing there credit cards and have gotten into too much debt. Another good reason to use a debt service is because they are professionals and they have the experience you need to get debt free and stay that way. They can also give you some advise about your credit score and how to keep it high so that you can get a loan when you need one.

Remember that using a Debt Consolidation Service can help you get out of debt and they are professionals and you need someone that knows the facts about debt relief.

Martha

Dr. Gary S. Goodman asked:




You probably get countless solicitations for charge cards in the mail, as I do.

One offers “Up to 60 days to pay!” boasting that this doubles and even triples conventional grace periods.

Many offer airline miles, usually at a rate of one mile for each dollar spent on the card.

Yet others offer cash back: one percent on most purchases and five percent on gasoline, groceries, and a few other vitals.

But have you ever wondered what’s the better deal, say between airline miles and cash?

The answer may surprise you.

Many carriers say they offer a roundtrip ticket anywhere in the lower 48 United States for 25,000 miles. Let’s say the average restricted coach ticket would cost you about $700.

That’s not bad, really. You’re getting about 2.8 cents back per dollar spent.

And let’s say that you average a two cent return on those cash back cards. That would give you $500 in cash.

At first glance, you’d seem better off grabbing the miles, especially if you like to travel. But there’s a small problem.

Actually being able to book your seat on a carrier when you want to fly, especially during peak travel seasons, is very difficult, if not practically impossible. And to qualify for open seats you may have to purchase “anytime” itineraries, that can easily cost double the normal amount of miles.

So, instead of 25,000 miles for that trip, you’ll need 50,000 or more.

Are you still ahead, arithmetically? Not really, because at 50,000 points you could qualify for cash back in the amount of $1,000, which you could take and actually BUY a discounted seat, still for about $700, and have $300 to spend on goodies.

But there’s another issue with taking the miles. Even if your trip is technically free, there are taxes and other fees that might run $75 and up.

Money can be spent, saved, or given away at any time, day or night, nearly everywhere.

Unlike miles, money doesn’t “expire.”

So, why settle for miles that may be difficult to use?

Gene

ALREYES asked:


If you have been receiving repetitive, demanding, intimidating, threatening, insulting collection calls or if you have received a message from a Wells Fargo Auto Finance collectors/account managers who failed to identify their name and or company they were calling from please report this abusive illegal behavior to:

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580

You can write a complaint and send it via us mail or you can also complain on the website:

http://www.ftc.gov/ftc/contact.shtm

Please report all abusive illegal behavior to the FTC in efforts to establish a trend and hold this company accountable.

Claude