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1. Bookmarks: 0 Beware Of Fake Online Degree Scams With modern technology, the internet offers students many opportunities to study for online college degrees. Students can also find a wealth of information regarding their online education ambition, for instance like how to apply for college student loan, how to find the right online college degree program for a wide variety of other online education information.Since many prospective online students are usually working adults, more and more people are turning to the inte...
2. Bookmarks: 0 Bad Credit Loan -- Let’s Cut Through the Hype! Do you need a loan but have bad credit? Then you MUST learn a few facts your potential lender doesn't want you to know. If you want to avoid being taken to the cleaners be sure to follow the advice in this report.
3. Bookmarks: 0 10 Practical Steps To Becoming Debt Free In 3 To 5 Years This article provides 10 practical steps or ideas to help you become debt free in three to five years.Debt relief is a serious problem for most Americans. We live in a society where everyone wants the coolest gadgets, a nice car and a nicer house. There’s nothing wrong with that. Unfortunately, the good life that you’ve worked so hard to achieve is not free, nor does it come cheap.If you earn any sort of a decent salary, then chances are you’ve got student loans to pa...
4. Bookmarks: 3 'Help The Court Has Seized My Assets' - Garnishment In Law And Practice A court order that seizes assets from the defendant to pay off a debt is known as Garnishment. One form of garnishment is automatic withholding of the debtor’s wages. When a creditor fails to satisfy the debt taken, the court can issue a garnishment against him. When the creditor petitions the court to send a portion of its pay to satisfy the debt then this step is taken. The garnishment law differs from state to state and varies in details also. Generally, the TVA is req...
5. Bookmarks: 0 Your Credit History: What Gets Reported And What Does Not A credit report is a document that outlines your financial status, specifically your credit history. The three national reporting agencies, Experian, Trans Union and Equifax, work independently so it is advisable to get reports from all three for an accurate picture.
6. Bookmarks: 0 Wipe Away That Holiday Debt It’s that time of year again, and homeowners from coast to coast are feeling the pinch in their pockets from the financial stress of the holiday season. Retailers across the country are reporting record breaking consumer spending, and in the era of big ticket items like the Ipod and HDTV, it’s easy to see why consumer credit card debt has reached an all time high. All of this spending is occurring at a time when the average Christmas bonus doesn’t cover quite as much as it di...
7. Bookmarks: 0 Why Use Cash Advance Features? Although credit cards are generally used for purchasing goods in shops and online, they can also provide you with the same services as an ATM. If you are short of money and a credit card cannot be used, then you can use your credit card to withdraw money from a cash machine. If you want to know more about credit card cash advance features, then here are some tips to get you started.What is a cash advance?A cash advance is simply when you use your credit card to withdr...
8. Bookmarks: 0 Why Managing Money Is Important For Students Did you know that you can deduct up to twenty five hundred dollars from your student loans interest? There are some rules to this however. Your loan is only eligible for the deduction if you took out the loan only for a higher education program that’s qualified by law. This can be not only for yourself, but your dependents and spouse as well.The money for the loan must have been spent on expenses for college or vocational studies such as your tuition, textbooks, school su...
9. Bookmarks: 0 Why Knowing Your Credit Score Can Save You From Bankruptcy Having a copy of your credit score can most often mean the difference between going deeper into debt and getting out of it. Because most people do not keep track of their credit score, they often go into deep debt without even realizing it. Every time you are late making payments to a creditor or skip one all together, you are subjected to loosing points on your credit score. Your credit score is used to show creditors and lenders how much they can trust you to pay back your ...
10. Bookmarks: 0 Why Is Life Insurance Important? There are many things in life that the average household can live without, but life insurance should not be one of those things. The importance of life insurance increases as the number of people in a household increases. A single person with few, if any, close relations can get by on a very little life insurance or perhaps no insurance at all. The same cannot be said for persons who have family members or other types of responsibilities.Life insurance is a way to protect...
11. Bookmarks: 0 Why Are Business Loans Important? If you are running your own business, then you probably know that it can sometimes be hard to find the funding you need to make your business work. If this is the case, then you might have thought about taking out a business loan. Although some people think that taking out a business loan is risky, if you want your business to have good cash flow and to become a success, then they can really help. To help you to learn more about business loans and their importance, here are s...
12. Bookmarks: 0 Which One’s for You? What are the different types of life insurance? There are mainly two types of life insurance, which is term life insurance and permanent life insurance
13. Bookmarks: 0 Where To Find Student Loans For College A college education may seem trivial to some but to not to most people who want to achieve a better status in life economically and socially. Globalization has made education very important because of the increasing competitiveness among young professionals worldwide.A college degree has become a prerequisite in getting better work opportunities in any field of discipline. The lack of a college degree can thus put a person at a disadvantage especially when he is applying ...
14. Bookmarks: 0 When To Get Payment Protection If you have a credit card, then it is likely that you were offered or took out payment protection on the card. Although many people take out this insurance, there are few people who can benefit from it, and often you are just wasting money by having it. However, there are people who can benefit from the insurance and should take it out. If you are unsure about whether or not you should get payment protection insurance, then here are some tips to help you decide.What is Pa...
15. Bookmarks: 0 When Should You Get Loan Insurance? Loan insurance is a product that everybody will be offered when they buy a loan, or might even have included in their loan package without them really knowing about it. If you are in the process of looking for a loan or want to know more about loan insurance, then this article will help you to decide which policy if any is right for you.What is loan insurance?Loan insurance is often referred to as PPI, or Payment Protection Insurance. Loan companies will urge you to g...
16. Bookmarks: 0 When Should You Consolidate Student Loans? Provides a wealth of information and resources on everything you need to know about Student Loan Consolidation
17. Bookmarks: 0 When Is Debt Good? Is there ever a time when being in debt is good? The answer to that question is yes. However, it is important to remember that being debt is not the same as being crushed by debt. There is a difference and knowing one from the other is important.The reason we have debt is simple: We want to have something now but we want to pay for it later. Debt is the vehicle that makes that happen. Most consumers would be hard pressed if they had to pay for a home in cash, in full. T...
18. Bookmarks: 0 What You Need To Know Before Filing For Bankruptcy Bankruptcy has become a kind of quick fix for debt that has gotten out of hand. Many people think it is easy to wipe the slate clean and get rid of debt by going bankrupt. It isn't that easy, however, and it should only be used as a last resort.The actual procedure for filing - the paperwork process itself - is relatively simple, but it goes beyond that. You'll need to be able to justify the reason for bankruptcy, which will open your financial history for inspection by...
19. Bookmarks: 0 What You Need To Know Before Committing To Student Loans Student loans are designed to assist you with paying for the cost of attending college. However it is vital that you are responsible with them. The amount of money you are eligible to borrow is often much more than you really need to pay for school. It is important to remember that you need to repay that money once you complete your education. Even if you don’t finish college for one reason or another you will still have to repay the money you have borrowed.For many peopl...
20. Bookmarks: 0 What you Need to Know about Consolidating Student Loans Chances are if you’ve taken out student loans in order to finance your education you have been, or at least will be, receiving calls and offers in the mail to consolidate your student loans. There are actually numerous advantages to consolidating your student loans.
21. Bookmarks: 0 What You Need To Know About Applying For An International Student Loan Before you get all excited about the thought of obtaining an international student loan so that you can attend college at some exotic university in Beijing or Paris, hang onto your laptop. There are rules and regulations when it comes to these types of loans, and they are also extremely difficult to obtain. However, for the determined and the focused, there are ways to achieve the seemingly impossible. First, know the rules and regulations, and there's a ton of them.First...
22. Bookmarks: 0 What you May Not Know about Consolidating Student Loans Refinancing education loans can be so simple and attractive that many borrowers tend to overlook some critical points about student loan refinancing. Sometimes what you don't know can save you a great deal of money, time, and frustration. Below you'll find a few little know facts that can save you big bucks when refinancing your education loans.
23. Bookmarks: 0 What To Do When Mortgage Trouble Hits What can the average person do when he finds himself in financial trouble and the mortgage is due? With the current housing market crisis, a lot of homeowners are facing that question. As one might imagine, losing a home is not only financially destructive but also emotionally difficult. No one wants to lose their home, but what can you do if you are unable to make your mortgage payment?There is some good news on this front. First of all, homeowners should understand that...
24. Bookmarks: 0 What Is The Prime Rate? Many people have heard of the prime rate but may not be exactly sure what it is or how it can affect their lives. Truth is the prime rate can be very influential to most consumers who use most types of credit or home mortgages. In general terms, the prime rate is the interest that banks or other types of credit lenders charge their most preferred and credit-worthy customers. Many times lenders who offer various types of loans such as credit cards and automobile loans will...
25. Bookmarks: 0 What Is Student Loan Consolidation? Nearly half of all college graduates have reported taking out some sort of student loan in order to help finance their education. Since most graduates do take out loans to pay for their college, many are choosing to use student loan consolidation to help relieve their financial burden after graduation. The following paragraphs will take a closer look at what student loan consolidation is, as well as discuss the interest rates associated with student loan consolidation.Stu...
26. Bookmarks: 0 What Is Long-Term Care Insurance? As people begin to live longer, long-term care insurance becomes more important. Long-term care insurance helps provide for the cost of long-term care which can be incredibly expensive. It is used to cover those issues that are generally not covered by health insurance, Medicare, or Medicaid.There is often some confusion about what this type of insurance is used for and the people who use it. Consumers should understand that individuals who require long-term care are gene...
27. Bookmarks: 0 What Is Foreclosure And How Can I Avoid It? Foreclosure takes place when home owners do not pay their payments to the lender. It really is that simple. The reason for why home owners may not be able to make the payments, however, can be anything but simple.The worst thing home owners can do when they cannot make their home loan payments is to ignore the problem and to ignore the lender. In many cases, lenders will be more eager to help you through the problem than to foreclose on your home. The truth is most lender...
28. Bookmarks: 0 What is FHA loan? The Federal Housing Administration (FHA), a wholly owned government corporation, was established under the National Housing Act of 1934 to improve housing standards and conditions. FHA is not a loan, It’s an Insurance! If a home buyer defaults, the lender is paid from the insurance fund.FHA's mortgage insurance allows individuals to qualify who may have been previously denied for a home loan by conventional underwriting guidelines. FHA helps low and moderate-income families purchase homes.
29. Bookmarks: 0 What Is Default And How Does It Affect My Credit Score? In simple terms, a loan default is when you have not made your agreed upon loan payments to the lender. There can be any number of reasons why a consumer may not have made payments, but once a certain period of time has elapsed, that non-payment record will become a part of the consumer's credit history. Once it becomes a part of the credit history (or credit record) it is available to be used during the formulation of the consumer's credit score.Default can occur with an...
30. Bookmarks: 0 What Is A Veteran's Affair (VA) Loan? A VA home loan is actually a guarantee rather than a loan. The VA does not actually lend the money to the borrower, but promises to make good to the lender should the borrower default on the loan. This promise from the government helps many people get loans that they might not otherwise be able to get.A VA loan also comes with some very helpful and cost saving aspects. Many veterans may not know that a VA loan carries with it caps for closing costs which can save the borr...
31. Bookmarks: 0 What Is A Sub Prime Loan? A sub-prime home loan is designed to service those individuals and families who have credit problems. The severity of the credit problems and the length of the problems will determine whether or not you are a candidate for a sub-prime loan. There are some individuals who may not qualify even for this type of loan.The sub-prime home loan market often seems to have a life of its own. At times, it is easy to find a sub-prime loan through a lender while at other times, when t...
32. Bookmarks: 0 What is a Student Loan The loan accrues interest from the day it is paid. The good part is that the interest rate is linked to the inflation in line with the Retail Prices Index, which means you only really repay the amount you borrow with no profit made on the loan itself
33. Bookmarks: 0 What Is A Secured Loan? There are many types of loans available and the nuances of some can be confusing, but one thing is certain: all loans are either secured loans or unsecured loans. This article will examine some of the issues that you can expect to face when applying for a secured loan.A secured loan is a type of loan in which you must put something of value into the deal as collateral. The item of value that you put up as collateral can vary. It might be a certain amount of cash, a home t...
34. Bookmarks: 0 What Is A FHA Loan? Most of us need to borrow some money at least at one point of time in our life. When we want to buy a car, to study at the College or University, when we want to buy a house or home, when we need money to start our own business - even when we use our credit cards.There are many types of loans and mortgages, such as FHA loans, Student loans, College loans, Business loans, Personal loans, Commercial loans, Payday loans, Auto loans, Car loans, Vehicle loans, Mobile home loan...
35. Bookmarks: 0 What Is A Direct Deposit? Direct deposit has become a very popular way for people to have money deposited into their bank account without having to actually visit the bank. Direct deposit is a form of EFT which stands for Electronic Funds Transfer. When it comes to direct deposit, employers can electronically deposit a payroll check into an employee's bank account. This all but eliminates the need for paper checks and visits to the bank to deposit those paper checks. In the U.S. direct deposit has...
36. Bookmarks: 0 What If I Miss A Home Loan Payment? It is no secret that home loans will often last 30 years or more and that during that time anyone can face financial issues that may lead to missing a home loan payment. The first thing to do if you miss a home loan payment is to not panic. The second thing to do is to contact the lender as soon as possible.Most lenders are not going to foreclose on your home if you miss one payment. They do, however, want to hear from you and they want to work out some payment options so...
37. Bookmarks: 0 What If I Have Bad Credit? A lot of people worry about whether or not their credit is good enough to get a home loan. What many people do not realize is that there are very few individuals who have perfect credit. Also, many people do not realize that bad credit is a vague, subjective term that can mean one thing one year and a completely different thing the next year. In other words, what constitutes bad credit is always changing.More often than not what constitutes bad credit (or credit that is...
38. Bookmarks: 0 What If I Cannot Make Timely Payments? Over the course of a lifetime, many average consumers will face occasions when they cannot make a timely payment on one or more of their debt accounts. This does not have to be the end of your good credit record, but what you do, the actions that you take, will determine whether you make it through this period unscathed or not.When it comes to being late on a payment it really does not matter what the payment is for. Whether it is for a home loan payment, car loan, or cre...
39. Bookmarks: 0 What If I Cannot Make A Loan Payment? It is not that uncommon for the average consumer to find himself strapped for cash at times. There are those times when there is simply not enough cash on hand to pay all of the bills. So what can the consumer do if he does not have the cash to pay on a loan? Here are some tips to help reduce any problems you may encounter when you cannot make a loan payment.The most important thing to do is to contact the lender as soon as you know that you are not going to be able to ma...
40. Bookmarks: 0 What Home Loan Lenders Look For In Would-be Homeowners Nothing spells stability like a house does. This is why it is the ultimate goal of every wage-earning, tax-paying American to own his own house. All too often, the easiest way to own a house is through mortgage. How does mortgage work? You secure money from home loan lenders to buy a house. There are two things that lie close to home loan lenders' hearts. The first is profit. The second is your ability to pay. Every now and then, there are home loan lenders who truly care...
41. Bookmarks: 0 What Can I Do If I Am In Debt? The vast majority of consumers will, at some time or another, find themselves in debt. Debt, in and of itself, is not a bad thing. Debt allows those who are not wealthy to purchase items that otherwise would be out of reach. Home and automobiles are two examples of items that might take years, if not a lifetime, to save enough to pay cash for. By using credit, which leads to debt, people are able to experience a better standard of living. As mentioned above, debt is not a bad...
42. Bookmarks: 0 What Bankruptcy Can Do For You (and What It Can't Do) While bankruptcy is sometimes the ideal solution for individuals who have buried themselves under excessive debt, it isn’t the answer to all debt problems. Unfortunately, not all debts can be completely erased by a bankruptcy- and in some cases, the debts cannot even be reduced or placed in a repayment plan under a Chapter 13 or through a debt management program designed by credit counselors to get consumers into a better financial position.If you’re struggling with exce...
43. Bookmarks: 0 What Are The Various Kinds Of Loans? If you are planning to apply for a personal loan, it is prudent to understand the kinds. This will enable you to find the best matched loan for you. There are secured and unsecured loans. It can definitely help you if you know what's good and what's not with the kind of loan you are planning to secure.Short-term personal loans, secured personal loans, high-risk personal loans, student loans, military personal loans, auto loans, signature personal loans--all these are avai...
44. Bookmarks: 0 What Are The Effects Of Holding Bank Account And Assets After Bankruptcy When you go bankrupt life for attaining credit is very difficult. Many companies are wary of loaning money, or even allowing you to open a bank account on the basis of your bankruptcy. You will need to search for a bank that will allow you to open a new bank account. The bank may impose conditions and limits for this bank account. They may limit the amount of money you are allowed to withdraw and state that you need to keep a certain amount in the account to avoid fees....
45. Bookmarks: 0 What Are Tenant Loans? If you rent property, then you might think that it is hard to get hold of a good loan. However, this is simply not true anymore, and personal loans for tenants are increasingly popular. If you are a tenant and want more information on how to get a tenant loan, then this article might have some information that can help you.What are tenant loans?Tenant loans are often referred to as unsecured personal loans or non-homeowner loans. They are for people who do not have th...
46. Bookmarks: 0 What Are Discount Brokers? Discount brokers can be a great way for some consumers to get into and participate in the stock market or the bond market. However, discount brokers are not for everyone. There are severe limitations that come with working with discount brokers and consumers should understand what those limitations are before they sign on with one. This article explores some of the issues that you will face when working through discount brokers.First, it should be understood that there ar...
47. Bookmarks: 0 What Are Bank Loans? The idea of a bank that loans out money to the public totally changed the premise of ancient banks that stated that a bank was only a place to deposit money for safeguarding.Present day banks are synonymous with bank loans to such an extent that practically every individual who has a bank account has a bank loan of some sort or the other.It is improbable that in the present day and age anyone (unless born to money) has enough money lying around to make big ticket purc...
48. Bookmarks: 0 Visa Student Credit Cards: Plastics With Lessons When you're 18, beautiful, and restless, what could be headier than vast spending power at your fingertips? The answer is none, and this is precisely why visa student credit cards are so popular and addictive. With visa student credit cards, college students can easily swipe their merry way into a mile-wide list of purchases. The BenefitVisa student credit cards are highly popular because they're handy. You can use them to pay off student loans, for example, or gas...
49. Bookmarks: 0 Using A Loan To Pay For Medical Treatment With the NHS being severely under funded, more and more people are turning to private medical care in order to get the treatment they need. This might be treatment that can be done for free on the NHS, or elective and cosmetic surgery that you have to pay for. Whatever medical treatment you need, you should consider getting a loan for medical treatment if you cannot afford the costs. Here is some advice about taking out loans for medical treatment.What is medical financin...
50. Bookmarks: 0 Use Consumer Debt Counceling To Regain Financial Freedom Bad credit can affect many of the opportunities you have in your life, from your ability to purchase a home right down to your ability to rent movies. Today, Americans are finding themselves more in debt than ever, and many do not know how to go about fixing their financial reputations. Most of the financial woes of Americans and bad credit can be attributed to credit card bills. Many American consumers and their families are being dragged into (or deeper into) financial ...
51. Bookmarks: 0 Unsecured And Secured Loans: What Are They? Terms like unsecured and secured loans rings a bell to those who have been on the lookout for a loan. Do you know the difference? Do you know which type of loan that you need? Are you aware of the type of loan you would qualify for? It's difficult many times for the average consumer to wade through all of the terminology and have a real idea of what they need. It is possible to break secured and unsecured loans into simple terms for your understanding.Secured and...
52. Bookmarks: 0 Unemployed, yet You Can Live Comfortably Unemployment is the worst situation in term of finance-since if you are unemployed you don’t have any source of income but all of your expenses will remain there as if you were earning. If you are unemployed then that doesn’t mean that you will be relieved from the bills that you have to pay. You cannot live without the basic necessities of life.
53. Bookmarks: 0 Understanding your ACS Student Loan A number of different financial aid programs fall under the heading of an ACS student loan. For those who do not already have one. Here's what you need to know and understand...
54. Bookmarks: 0 Understanding FHA Loans If you are looking to buy your first home, then you owe it to yourself to check out the loans offered by the Federal Housing Administration (FHA). These loans can offer significant benefits designed to help you achieve the dream of owning your own home.
55. Bookmarks: 0 Understanding Chapter 13 And Chapter 7 Bankruptcy Chapter 13 of the bankruptcy code gives debtors the opportunity to repay some or all of the debts that are in their name, in better terms, lower or no interest. Debtors have the ability to use income they have in the future to pay off creditors.How Chapter 13 WorksA time frame of 5 years is allotted for debtors to be able to pay of their creditors in full. Your attorney will safeguard your interests, while the entire process is carried out under court supervision. A n...
56. Bookmarks: 0 UK Student Loans Explained Student loans seem to be the only feasible way out to pursue higher studies for the average student in UK. Things become all the more difficult for those without university funding. The government, in its efforts to make further education affordable, had undertaken quite a few steps to buffer educational finance.
57. Bookmarks: 0 UK Personal Debt Problems Creating Hardship For Nation’s Young Adults Problem personal debt levels, especially for people under 25, in the UK have risen since last year according to the Consumer Credit Counselling Service (CCCS). In a report released this week they revealed that the average client aged under 25 coming for counselling in 2005 owes £15,000. The report also states that “More young people are getting themselves into situations where they find themselves unable to meet their unsecured credit commitments.”CCCS chairman Malcolm Hu...
58. Bookmarks: 0 Types Of Student Loans Paying for college sometimes means using student loans. Student loans are specifically designed to help students meet the costs of a higher education. Most student loans offer good deals on tax credits, payback and interest rates. However, before getting a student loan it is important to consider the different types of student loans and where to go to get one.Student loans can come from private lenders, colleges or the federal government. Federal loans are often guarantee...
59. Bookmarks: 0 Types of Federal Student Loans Federal student loans are offered by the US government, which can be availed of directly through banks, student loan lenders, school, or from Federal Family Education Loan program. This article discusses various types of federal student loans in detail.
60. Bookmarks: 0 Types Of Debtor Bankruptcy Bankruptcy is defined as legal situation in which a debtor cannot fulfill their monetary obligations. Debtor bankruptcy is when the person who owes the money files for it. There are six types of debtor bankruptcy, but the two most common are Chapter 7 and Chapter 13. Chapter 11 bankruptcy is for businessesChapter 7 is called liquidation, and it is where an individual surrenders their assets to a trustee who distributes the proceeds to the persons owed. Chapter 13 is where...
61. Bookmarks: 0 Two Easy Ways To Get Cheap Home Loans Online If you're like most people, you probably want a cheap home loan - but don't know how to reduce your payments...
62. Bookmarks: 0 Trusting Your Kid With A Student Credit Card As a parent, you want your children to be very responsible once they head off to college. Whether they are attending a local university or they are attending a college one thousand miles away, you truly care for them. When you think about your child going off to college, you tend to worry about their safety and financial status. You not only want your child to be safe but have enough money to get by each day.As your children grow old and reach the ripe age of 18, they ...
63. Bookmarks: 0 Top Financial Mistakes Made by College Students A list of the major financial mistakes college students should avoid making to maintain a good credit standing and stay out of debt.
64. Bookmarks: 8 Top Financial Mistakes Made by College Students. So many bad financial decisions students make is a result of poor financial education. Students haven't been taught by their parents or high school teachers the importance of maintaining a good credit score, paying bills on time, and budgeting income. Wise spending during the college years will ensure that the money you make after graduating will be spent on things you want, not credit card payments, collection companies and school loans.
65. Bookmarks: 0 Top 5 Ways To Help Pay Student Loans Student loan has become a ‘necessary evil’ for most of the students, which help them to complete their education. In the present social and economic scenario, the education is a costly affair, of which financial expenses cannot be managed without a financial aid in the form of a scholarship or educational loan. Scholarship is reserved for exceptional students and educational loans will be the only resort for an average student to pursue his student loan. The student loan has ...
66. Bookmarks: 0 Top 5 Tips To Fixing Your Credit Report Never underestimate the value of good credit. If your credit history isn’t spick and span, make sure to promptly fix your credit report. This is very important. For example, maybe you are a student and you need a loan to pay for graduate school. Your credit history will affect whether or not you get that loan and consequentially it may even affect whether or not you attend that university.If applying for a private student loan, your creditor or lending institution will pr...
67. Bookmarks: 0 Top 5 Reasons People Get Reverse Mortgages Once you’ve done your research on reverse mortgages and gained a more complete understanding of the product, the next step is to decide if a reverse mortgage is right for your situation. If you’re eligible (a homeowner 62 years of age or older with equity in your principal residence), this may be a quick decision or one that requires a bit more consideration. As with any decision, it’s always helpful to get the perspectives and experiences of others who have faced similar sit...
68. Bookmarks: 0 Top 10 Ways To Repair Your Credit Score You must never underestimate the value of having good credit. You will definitely need your credit score in the future. For example if you are a student, you’ll need to borrow a certain amount using a student loan in order to attend school. At this point, your credit history will definitely matter and will have a big impact on getting you the funds that you need.If you are applying for a student loan, your creditor or the lending institution will probably request a copy o...
69. Bookmarks: 0 Tips on Paying Off Your Student Loans As a college graduate, you likely are focused on landing your first job, finding a nice place to live and settling into the real world.
70. Bookmarks: 0 Tips On Adjusting Your Credit Limit Using credit cards effectively often depends on the level of credit that you have, and how you spend that credit. There are times when you might need to increase your credit limit, and times when you might need to reduce it. If you are unsure about how to adjust your credit limit to suit your needs, then follow this simple advice in order to know when to adjust your credit limits.What are your current limits?Before knowing whether you should adjust your credit limit, ...
71. Bookmarks: 0 Time Is Running Out: Save Thousands With Federal Student Loan Consolidation Before July 1 Are you a college student or a recent college graduate with student loans? Do you know that student loan interest rates are expected to increase almost 40 percent on July 1? Fortunately, you still have a chance to save money and consolidate your student loans into one fixed-rate loan.
72. Bookmarks: 0 Thoroughly Investigating The Personal Loan It is not always possible to pay all our bills from our own pockets. That is where the personal loan comes in. Often enough a number of expenses become imminent and have to be settled right away. At such a time few options remain with you if you are facing a cash crunch. A personal loan would be a good option at such a time. You can get personal loans from lenders, banks, building societies, online lenders and so on. It is not very difficult to get a personal loan. Ask around...
73. Bookmarks: 0 The Seven Deadly Sins In Home Loan Lending The seven deadly sins in home loan lending are no different from the seven deadly sins outlined in the Bible. The latter damns your soul; the former can decimate your finances. Whether you're buying a house by yourself, with your partner, or with a friend, be sure to avoid the following costly mistakes. 1. Thou shalt get your priorities straight. Unless you are earning the equivalent of three people's wages, there's no way you can pay off a house loan, car loan, and a ...
74. Bookmarks: 0 The Secret To US Department of Education Loans If you have heard about any kind of Federal financial aid for students, you are already familiar with US Department of Education loans. The US Department of Education handles all government aid for defraying the cost of attending college in America, from grants to loans. Here's what you do...
75. Bookmarks: 0 The Secret To Obtaining A Bad Credit Student Loan It won't be easy, and you can bet that your search to find someone willing to offer you a bad credit student loan will take some doing, but with determination, you're likely to find someone willing to take a chance on you and fund your tuition expenses for another year or two.However, be advised that if you already have accumulated bad credit, you're most likely going to only find loans that come with high interest rates attached. The good news is that you won't have to s...
76. Bookmarks: 0 The Road to Financial Freedom With a solid plan you can grow wealthy.
77. Bookmarks: 0 The Retirement-Savings Vs. College-Savings Dilemma Before a child is born, every parent considers (even if briefly) the cost of raising a child and to put them through college. And the question about saving money that you’ll consider at some point is: how do I evaluate whether I should be saving for my own retirement or saving for the kids’ college?The obvious answer is to save for both. But few young parents have the earning power and lifestyle discipline to have extra money left over at the end of the month. It simply i...
78. Bookmarks: 0 The Pros and Cons of the Bankruptcy Option Being insolvent is one of the worst situations a person can find himself in and Bankruptcy can have many Pros and Cons
79. Bookmarks: 0 The problem of the single lender rule What is the single lender rule? Well, according to the single lender rule, if you are a student and you ask for a student loan, your request is sent through to the Department of Education which will decide who your lender will be. This action leaves you with very few options. Students are often stuck with one lender, due to the single lender rule, a rule that has many disadvantages.
80. Bookmarks: 0 The Problems And Advantages Of A Lifetime Loan If you think that a mortgage is beyond you because even with a term of 25 years the payments are too high, then maybe you should consider getting a lifetime loan. These loans are literally for life, unless you pay them off before your death. They allow you to get property that you might otherwise struggle to finance, whilst keeping your monthly payments low. Although they have some benefits, there are risks involved too. If you are unfamiliar with lifetime loans, then here ar...
81. Bookmarks: 0 The Perils of Plastic Millions of credit card borrowers are about to face larger monthly payments, a change that represents both good news and bad for consumers.
82. Bookmarks: 0 The other faces of Loans People often perceive loan as a negative thing. To be in debt is seen as not only having no money but also a desperate attempt to have money...
83. Bookmarks: 0 The Keys To Obtaining And Refinancing Your College Loan The importance of education cannot be denied. However, getting a good education today requires a lot of money. For a student from an average economical background, a good education could be quite out of reach without external financial help. In such circumstances, obtaining a student loan is the best option for him or her. This is a loan that is taken out to pay for the borrower’s college education. These loans have a payback period spread over a relatively long time, and car...
84. Bookmarks: 0 The Internet: Are You Paying Too Much? There are a lot of reasons that you might want to save money on your internet costs. If you’re a student, chances are that you don’t have a lot of money. You might want to spend that money on other things, like a vacation. If you are reading this article now, you have at least some access to the internet. But are you spending too much money, or wastefully losing money?1. Assess your needsDo you need to have an internet connection at your house at all times? If so, how...
85. Bookmarks: 0 The Inside-Out Of College Loans I have heard it said that education is the best investment. Whoever said that could probably afford their college fees. Don't get me wrong. Certainly I am all for higher education. At the same time, I am not a votary of being under unnecessary debt. This is where the contradiction arises.What complicates this conundrum is the fact that if you go to college, you are more likely to be able to pay your debts. So you have to get an educational loan (and a college education) t...
86. Bookmarks: 0 The Importance Of Using A Mortgage Calculator Before stepping outside to go house hunting, you should find out how much you can afford. If you don’t know what you can afford then it is a waste of your time, as well as a realtor’s time, to even go looking at houses. Knowing how much you can afford will enable you to spend your time looking at only those houses in your price range.If you’re not ready for the stress and overwhelming amount of information that comes from dealing with a lender, then using a mortgage calcu...
87. Bookmarks: 0 The Function Of The Student Loan Corporation Nowadays, few students go through college without some sort of financial assistance: about 65% of undergraduate students finish with debts owing. The average obligation is around $19,000 but higher for graduate students ($27,000 to $100,000+.). The causes are myriad, ranging from low family income, through high costs of education, to too expensive tastes of the individual. Whatever the reason or reasons, most students turn to a student loan corporation to finance the continua...
88. Bookmarks: 0 The Four Types Of Federal Student Loan Consolidation If you are an American student or one studying in an American school, then you are eligible for federal student loan consolidation from the U.S government.Federal student loan consolidation plans are applicable for all students whether you are still in school or a recent graduate or already into your new career.If you are successful in your student loan consolidation application, it will help you to reduce the student loan payment amount each month and/or allows you m...
89. Bookmarks: 0 The deal with single lender rule and the single lender list After the decision of choosing student loan consolidation and having a look at the market for those special offers, problems may still occur. The single lender rule may come into discussion and change it all…
90. Bookmarks: 0 The Dangers Of Defaulted Student Loans Along with the honor of earning a college degree comes the need to pay for it all after graduation. Some students are lucky and have parents to pay for college, while others work hard and earn scholarships. If you have to pay for college yourself, you will have huge student loans to work off after you leave. The problem with student loans is that most students don't understand what they are getting into once they graduate. There are deferments and forbearance you can apply fo...
91. Bookmarks: 0 The Costs Of Going To Unversity Going to university is one of the biggest decisions a young person has to make, and a lot can rest on the outcome. Do they leave college and head straight into a new career, learning and earning along the way? Or do they further their education and bulk up their qualifications in hope of a better paid job down the line? There are advantages and disadvantages to both; getting on the career ladder as early as possible is a good idea, and sometimes by the time a similar aged, de...
92. Bookmarks: 0 The Connecticut Bankruptcy Court And Its Decisions When you file for bankruptcy, it means that you are unable to make timely payments on all of your debts. This is not a self-proclaimed state of affairs, since the courts will need to rule on this decision, and the Connecticut Bankruptcy Court is one example of a place that processes such claims. The Connecticut Bankruptcy CourtThe Connecticut Bankruptcy Court has a number of courts which are located in the towns of Bridgeport, Hartford and New Haven. They also have a ...
93. Bookmarks: 0 The college loan – a good way to get rid of money problems during college Many people face great money problems when it comes to paying for college studies. But there is a good solution for those problems and it is called college loan. People all over the U.S. have been given the opportunity to continue their studies, through college loan programs, even if their incomes are modest ones.
94. Bookmarks: 0 The Big Pitfall Of Unsecured Loans In this article we’ll define what an unsecured loan is and than explore the benefits and downfalls that we should look out for.
95. Bookmarks: 0 The Best Way To Find College Loans In most families, parents are the main source of funding for college costs. With the costs of college spiraling upwards, however, parents and students often need to find additional sources of money. Here are some ideas on how many families and college bound students can pick up some extra help.The best sources of college money are grants and scholarships. These financial aids do not have to be paid back. The difference between the two is that a grant is money awarded on t...
96. Bookmarks: 0 The Benefits Of Bi-weekly Loans If you are trying to find ways to pay off your mortgage loan more quickly, then one possible solution is to use the bi-weekly payment method. Instead of paying off your mortgage loan payment every month, you pay half the monthly amount every two weeks. This can help you to drastically reduce the length of your loan, and thereby save you a lot of money. If you are new to bi-weekly loans, then here are some tips to get you started.Paying off every two weeksMany people f...
97. Bookmarks: 0 The Benefits Of A Variable Rate Loan If you want to get a loan at a cheap rate, then you should look at the possibilities of applying for a variable rate loan. These loans have an APR rate that can vary depending on the base interest rate. This can either work in your favour or against you, depending on whether rates rise or fall. If you want to know more about the benefits of variable rate loans, then here are some tips for you.What is a variable rate loan?A variable rate loan is a type of loan that has...
98. Bookmarks: 0 The Basics Of Bankruptcy Are you facing financial troubles? Have you tried to alleviate your debts by working with the companies, but not succeeding? There are many reasons for a person to enter into financial difficulties. It is possible that you or a spouse has lost a job, you have medical bills that need to be paid, or you have used credit cards to get by.If you have tried to work with your creditors to no avail you are probably beginning to look at the options of bankruptcy. There are six law...
99. Bookmarks: 0 The Advantages With Renters Insurance There is a misconception that only those who are buying their homes are eligible for personal property insurance. This is simply not true. Those who are renting apartments, condos, or other types of dwellings are eligible for renter's insurance, and having this type of insurance is a very good idea for many people.As you might imagine, renter's insurance does not cover the actual structure of the building. The owner of the structure will have his or her own policy for tha...
100. Bookmarks: 0 Term Life Insurance For Newlyweds These days getting married brings about the joining of couples of many different circumstances. Of course there is the ever-traditional young couple fresh out of college who might have no other financial obligations other than student loans, rent and their vehicles. There are usually no children involved and life is just full of possibilities and opportunities that will be built together. Assets as well as bills will be accumulated as a couple.On the other hand, there are...
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