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You probably heard the terms secured loan and unsecured loans and wondered what exactly is the difference between these two types of loans? You probably ask yourself, which is the best one to choose when shopping for a loan. If this sounds like you, here are some tips to help you understand the difference between these two loans. Secured loans have an asset or some sort of collateral attach to the loan such as a car or home that you own. The financial institution that you use to acquire the…

First Meridian - Mortgage Lender In Virginia For many, the first step to home ownership is securing a loan. Buyers should be aware that there are many different types of home loans that can be secured. When one is looking to borrow money, it is important that they know their options. First Meridian, one of the a trusted mortgage company in Virginia, believes in making informed decisions. As a mortgage lender in Virginia, First Meridian has seen many home buyers rush into buying without full…

I had the misfortune of recently working for a debt collection agency for two years. I am looking online and can’t find their mission statement. I can say that they treated employees very poorly and continue to have a very high turnover rate among all employees, including human resources staff. The main office is in another state and they have a few places in the United States as well as overseas. The company purchases bad debt from other agencies such as Capital One, Best Buy, Sears, Victoria…

the long-term impact of having a bankruptcy on their credit history. While bankruptcies do stay on your credit report for up to 10 years, they don't necessarily represent the end of credit for you. The Gil Law Firm, a Dothan bankruptcy attorney serving clients in Alabama, Georgia, and Florida, explains the long-term consequences of filing for bankruptcy. In the immediate aftermath of filing for a bankruptcy, you'll see a sudden drop in your credit score, which may fall by up to 220 points. It…

Plagiarism is the action of using materials, whether they are in any form of communication, without giving credits to the authors. There are two kinds of plagiarism: the first one is intentional plagiarism and the second one is unintentional plagiarism. Intentional plagiarism happens when students using materials of another person without proper citing to that person. Restating other ideas without proper citing is also count as intentional plagiarism. The second king of plagiarism is…

automotive insurance companies use credit score in determining rates because they see it as a good indicator on the probability of a person to repay the loan in a timely manner. Meaning, someone with a higher credit score is a lower risk to the company because this person is more likely to repay the loan. Also, there is a strong correlation between a person’s credit score and their likelihood of submitting a claim. There has been evidence to support that those with lower credit scores cost…

latest relationship. To measure this, I will be using a Guttmann scale. This will enable me to incorporate both a dichotomous scale and a Likert scale. A dichotomous scale is when a question has two possible responses. A Likert scale is a type of rating scale that measures how someone feels about a certain topic containing degrees of feeling. With multiple Likert questions in a survey Cronbach’s alpha helps measure its reliability. Cronbach’s alpha is computed by correlating the score for each…

The lending option that we are going to discuss is the credit union mortgage. In an article in Forbes magazine written by contributors by Trulia, they discuss the pros and cons of taking the credit union mortgage option. The first point made in this article is that credit unions have historically offered lower mortgage rates. This means that your interest rate is going to be lower and you will be saving thousands…

sometimes due to your poor credit and finances, you feel left out of Jax's dynamic loop. Hopefully, by the time you get done reading about Platinum Lending and title loans in Jacksonville, you'll feel like you can be a part of life in in the city again. Maybe you want to create your own consolidation loan with a title loan. Or maybe you want to finally pay of that bill for the visit you took to the doc in the box last year. Or maybe you'd like the chance to rebuild your credit after a…

Three Things You Need to Know About Auto Insurance Whether you are new to car insurance or a long time buyer, there are many things you may not be aware of. In many cases, this ignorance can cost you money. The following are three things you should know about car insurance. Your insurance follows your car What this means is that regardless of the driver, your insurance is in effect. If you lend your car to a friend, your insurance will remain in place. There is one exception to this. Your…