Hi Wendy,Coming from a Banker in most cases the Heloc is a Line of credit you only pay on the amount you use and a Heloan is the bank/lender gives you all cash.Lets say you borrow $10K as a heloc and in the first few months you take out $1500.00 your payment is only going to be based off the $1500 and not the $10K because the rest in the line of credit (LOC) not being used - Same as a credit card.

It got us thinking—business development (BD) is more than just passing out business cards.

It will auto download bank and credit card transactions, give you reports by account, category or property in any form you want. 

We send a card telling them we apologize for the inconvenience and recognize that the situation has been a nuisance- we typically include a gift card for a local restaurant- $50. 

Most of the population is relying on card or electronic payment options.

I currently have about $30,000 I am planning to invest and I don't have any student debt, credit card bills, or "real" expenses (I live at home).

I currently have some credit card debt, and my credit score is not very good at all. 

I’ve bought some houses with 0% interest for a year credit card loans.

I am also going to try to start dispute with my credit card.

You’re holding all the cards use them wisely.I hope this helps you !