Personal finance

Cruising for my dream car project taught me things that I didn’t know before. One of the things that I learned is that you pay interests depending on the length of the loan. If you pay the loan in less time, for example 48 months then I would pay the interest rate of 1.93% but if I decide to pay it in 60 months then I would pay an interest rate of 2.04%. Another factor that affects the percentage of interest you paid is your credit. If you have good credit then your interest rate will be less.…

Other data, such as your financial information, is private. You have the right to keep your personal information private, so an HOA can't run a background check on you without your permission. Remember, however, that an HOA can make submitting to a background check a requirement of joining the community. You can refuse to submit to a background…

The home buying process starts with a lot of excitement about new beginnings. The enthusiasm is often quickly replaced by worry and tension when you are flooded by paperwork, check writing, inspections, and more. The way to eliminate most of the stress is through education and being prepared. The single most important thing to do before looking at homes is becoming pre-approved for a mortgage. The last thing you want to do is limit yourself. This is your dream home, right? It is devastating to…

A Closer Look at Credit Scores In its simplest form, a credit score is a number that helps lenders ascertain the likelihood of you making your payments on time. The score and or scores are a summary of risk, and the higher the scores, the lower the risk, according to banks and lenders. The actual score is a three-digit number that can range from 300-850, depending upon the agency providing the information in your credit report, with 850 being nearly perfect credit. There are three…

not be able to get your vehicle back until you have the money to pay all of the back debt you owe plus the tow yard for the amount of money as the car sat on the tow yard. If you don’t go pick up the car because you don’t have the money, then the finance company will sell that car at auction to the highest bidder. Now, just because your vehicle is sold doesn’t mean you don’t owe anything, your still responsible for the balance. They will still come after you for the difference…

Poor credit doesn’t limit your chance to get a car loan for buying a car. Many lenders now have a range of car loan options for people with bad credit. Based on your credit score, lenders now offer a variety of bad credit loans. Shopping for car loans is fun and tricky at the same time. Here are some tips that you may find helpful while looking for a bad credit car loan. Before the Loan: While looking for a car loan, you need to be realistic about your credit. It is the time to learn about…

My credit score is 583, it need some work. Being a college student, I don't have much time to get a credit card. My credit score is not as bad as I thought I would, but it is not great either. To get my credit score to become better, I first need to get a credit card from Bank of America. I will schedule an appointment with my banker and we will discuss my credit card and getting a credit score. Once I get my credit card, one way to make my credit score better is to setup a payment reminders…

with no cosigner since I had my credit cards for a year but my interest rate was incredibly high at 12 percent. When I ask why my interest is so high they stated that my credit history is very new and that I need different types of credit such as personal loans or student loans, mortgage is good to have because it show you can pay any type of loan back regardless of what type it is. This is very helpful because the dealership also mention that a car loan is the hardest loan to obtain because if…

A Glimpse into Buying your First Home 1. Intro Envisioning your life after college began from the beginning you drew your first home. In elementary school, art skills are put to the test to bring the house we aspire to have out from our imaginations and onto a white rectangular sheet of paper. The teacher would ask everyone to raise their drawings up for the class to see. All were unique, yet most with the same nonchalant design: a square base, door, one or two windows, and triangular roof.…

You have come to the conclusion that you need assistance with settlement of your payday loans. They have been stressing you out and you 've reached the point where you have had enough! Well there is assistance. While payday advance loans are very common in America today for various reasons such as they are easy to get and do not demand a credit check, they are not as effective and helpful as they first appear. They can very quickly become an undesirable obligation. If it happens that the…