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Dream Home

MOUNT ANGEL — As the new tan house at 445 Marion Court gets its finishing touches — some extra screws for the decking and drying of the crawlspace — Luda Skvortsova gets more and more excited.

“I am already packed," Skvortsova said as she stood in the driveway of her new home.

When Skvortsova moved to the United States eight years ago from her native Russia, she never imagined that she would be the recipient of such kindness — or the owner of a brand new two-bedroom home.

Skvortsova's is the 24th home the North Willamette Valley Habitat for Humanity has built in the area. The house is special for several reasons, as it's also the first home that has been sponsored by a local family.



Sponsoring the American Dream

According to Kim Parker, executive director of North Willamette Valley Habitat for Humanity, Virgil Peters attended a regional training seminar in 2002 at which he heard a pastor speak about how to sponsor a home for Habitat for Humanity.


Best Debt Consolidation Program - Grab It With Both Hands!

Gone are the days when a debtor had no options but to sit over his bad debts and watch his bleak future. Today you have the choice of consolidating all your bad debts into one single debt with the help of a debt consolidation loan. You do not have to keep a track of multiple bills and installments. Neither do you have to bear the grudges of various lenders.

Your Options For Debt Consolidation

You have to be honest with the financial counselor about your monthly income, expenses and debts. He will try to help you choose the best debt consolidation program. Bad debt consolidation companies give the debtor a loan based on his requirements so that he can immediately clear off his bad debts. This loan can do wonders for his credit ratings

If you are not very keen on taking another loan, you can ask the debt consolidation company to get in touch with your creditors and get the interest rates reduced or the due dates deferred.


3 major disadvantages of owning a bad credit credit card

Having a bad credit and getting good credit card offers simply doesn't happen. Credit card companies secure their interests and rip a bad credit person with quite unreasonable charges. When a person with bad credit goes out to get a credit card he finds the situation very uncomfortable. The credit card companies greet him with the following:

Very high APR

Bad credit usually attracts high APR on credit cards. The APR's can be lowered if a good collateral or bank account is linked to the credit card to make it 'secure'. Poor credit with an inability to provide sufficient collateral makes the credit card an 'unsecured' one and this results in high APRs and low credit limits.

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