Debt management

I live in California and need to get out of debt like all of us on this forum. I would like to put this out there and see if this is a good way of paying getting rid of my debt for cheap. Please give me your thoughts on this idea. I have 4 credit cards which I can pay in lump sum for example.

Card #1 Closed owe $1911 30%
Card #2 Limit $1880 owe $1687 30%
Card #3 Limit $1200 owe $1150 30%
Card #4 Limit $1600 owe $1500 interest 10%

"How can I establish credit?"

This is the question I get asked as much as any other, and the answer is very simple... "SLOWLY, AND CAREFULLY."

Now if that isn't quite as specific an answer as you were hoping for, I offer this... You need to start with revolving credit. Simply put, you need to get a credit card, and manage it responsibly.

**pay on time
**keep the balance as low as possible
**pay it off as early as is possible (don't wait for the bill-pay it online!)
**don't buy on credit, what you can't pay cash for, within 30 days

I can not believe how many scams are out there since I have been looking to get a loan to pay off our credit card debt . My husband hurt himself in Jan and just went back to work but he works in the manufacturing automotive industry and they are not doing very well very worried about his job. My credit card debt is about 14,000 and two car loans amounting to 10,000 .. We are in the process of our home loan modification and hoping that works out.

Credit cards can work as the best short term loan for you, if used responsibly. But when you do not make monthly payments, your debt gets accumulated to a huge amount and it becomes difficult for you to repay the dues. So, if you think you'll be neck deep in debt just because you may not be able to keep up with the payments, explore various ways to pay off the money you owe. With proper planning, discipline and dedication, you can free yourself from your dues.

I posted another post here on the money and budgeting, but I have another question.

Hi all, there have been many instances that have made me to think about my future plans for investing a good sum in some good in vestment markets…but now I have decided to invest the money at least for a start. So, here I need some good options to help me decide the area that I can focus on.
Any help will be appreciated.

Hello Everyone! I am a retired man and not even a pension holder and because of this reason I have already made a plan for my future during my job time. I have invested my earnings at that stage in many investing companies with many investors. But after retirement I felt that I should invest my rest of the money which I got after my retirement in some new investing firms which are basically dealing with some real estate properties. Does anyone know about such investors which will help me out?

Has anyone had experience with Wells Fargo Bank and the deal they offer customers who have direct deposit on their account? You can "take an advance on your own paycheck". Of course, there is a fee to do this and its like $2.00 for every $20.00 borrowed. The whole thing plus the fee comes out with your next direct deposit.

To me this is exactly like a PDL, the same kind of trap once you do it, it becomes necessary to keep doing it. The only thing you can't advance more than half of your direct deposit.

My Regards to the community, I am working in a private firm and really want to secure my future by doing some investments as I can’t be so dependent on my current job forever for all my basic needs. . Can somebody help me, to make me decide that where should I invest my money to get long term profits?

anyone have information regarding kingman cole and associates and their reputation