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Home / Shawn Paul Wood - Page 4
What are the Most Terrifying Credit Card Scares?

What are the Most Terrifying Credit Card Scares?

ByShawn Paul Wood October 19, 2021June 9, 2025

This is the season of the witch; the haunting season. And if you use plastic to pay for things, it’s the season of credit card scares! Here are the worst.

Read More What are the Most Terrifying Credit Card Scares?Continue

The 10 Dos and Dont’s to Saving Money in College

The 10 Dos and Dont’s to Saving Money in College

ByShawn Paul Wood September 23, 2021September 23, 2021

If you have a student in college, or are attending yourself, mark down these essential tips to saving money on and off campus.

Read More The 10 Dos and Dont’s to Saving Money in CollegeContinue

Five Steps to Putting Your Financial Stress on Vacation to Enjoy Your Own

Five Steps to Putting Your Financial Stress on Vacation to Enjoy Your Own

ByShawn Paul Wood July 20, 2021December 12, 2023

Before you plan your own summer vacation, consider doing the same for financial stress. Otherwise, it will be a burden for the entire trip.

Read More Five Steps to Putting Your Financial Stress on Vacation to Enjoy Your OwnContinue

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© 2026 Beyond Finance. All rights reserved. Please note that all calls may be recorded or monitored for quality assurance and training purposes.

The content on this page is intended for educational and informational purposes only and does not constitute financial and legal advice. Financial wellness is deeply personal — for guidance specific to your situation, please consult a licensed professional.

We provide debt consolidation services. Consolidation loan options offered by our affiliates range from $1,000 to $100,000, have Annual Percentage Rates that range from 4.9% to 35.99%, origination fees ranging from 1% to 6% of the amount financed, and loan terms from 4 to 84 months. A typical personal loan example has a loan amount of $14,000, a 5.00% origination fee, a 72-month repayment term, and an interest rate of 24.90%. You would receive $13,300 ($14,000 less the $700 origination fee - a prepaid finance charge), and the monthly payment would be $376.36, equating to an APR of 27.18%. The total interest would be $13,090.85, and the total cost of the loan (interest plus origination fee of $700) would be $13,790.85. In this example, the total payments made would equal $27,090.85. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates. Clients pursuing other debt consolidation options who make all monthly deposits, on average, pay back approximately 55% of their enrolled debt before fees. Fees are based on percentages of your enrolled amounts, are 15% - 25% and are success-based. On average, our debt consolidation programs range from 24-48 months in duration. Clients typically save $480 per month on their debt payments.

We cannot offer guarantees on debt consolidation performance. Our services are not available in all states; fees may vary by state. The use of debt consolidation services may adversely affect your credit for a time. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding obligations may increase from the accrual of fees and interest. Certain creditors and types of debts are not eligible for our services. C.P.D. Reg. No. – 21-04861.

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Testimonials reflect the individuals' opinions and may not be illustrative of all individual experiences.

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