 Category :: Finance Articles |
Author :: Dean Shainin  |
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| Article Title :: How To Get An Auto Loan With Bad Credit? |
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Copyright 2005 Dean Shainin
You have found the car of your dreams, but you know your credit
is not the greatest. You ask yourself, "How can I get an auto
loan with bad credit?"
You are not alone. Thousands of people ask the same question
everyday. Just because you have bad credit, does not mean you
can not buy that car of your dreams. When considering bad credit
auto loans, you can save yourself thousands of dollars when you
know about the options available to you.
You can get all the resources you need to compare auto loans
with competitors trying to earn your business online. Now you
can shop online from the comfort of your home. An auto loan
online can save you the hassle of many long (read full article) |
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| Category :: Finance Articles |
Author :: Stephen L. Nelson, CPA |
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| Article Title :: Three Rules of Thumb for Mortgage Refinancing |
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You might think that deciding to refinance a mortgage requires
only a quick comparison of loan interest rates. Unfortunately,
that's not really true. Refinancing is trickier than that!
Fortunately, three useful rules of thumb can often help you make
sense of refinancing opportunities.
Rule 1: Don't Ignore Total Interest Costs
You really want to use refinancing as a way to reduce the total
interest cost you pay. While that sounds simple in principle, it
is sometimes difficult to do. The interest costs you pay are a
function of the interest rate, the loan balance, and the loan
term period.
When people refinance, they tend to focus solely on the loan
interest rate. But they often do (read full article) |
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| Category :: Finance Articles |
Author :: Stephen L. Nelson, CPA |
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| Article Title :: Does Early Mortgage Repayment Still Make Sense? |
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Early mortgage repayment looks on paper at least like a
wonderful deal. If you have a typical mortgage and you are near
the beginning of the mortgage term and make an extra $25 a month
in principal payments, you could potentially save $25,000 in
interest over the life of the loan.
Note: The exact amount of early repayment savings depends on the
loan, but, in general, the apparent savings are astounding.
In spite of the superficial profit that seems to come from early
mortgage repayment, it's often not a good decision. The tragedy
here is if you would have used that $25 a month to boost your
individual retirement account, or IRA contribution, you would
end up with $50,000 in your IRA acco (read full article) |
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| Category :: Finance Articles |
Author :: Clarice Noelle |
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| Article Title :: Christmas loans - taking care of financial high tide of Yuletide |
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Can you feel the chill in the air? And there it begins to snow!
Vast open spaces, roof tops, trees.... - all covered with layers
of white pure snow. Sure sign that Christmas is not far.
Everything changes during Christmas time. Psychologically it
breeds happiness, fun frolic, everything good and worth looking
forward to. Another thing that is inevitably related to
Christmas is expenses.
With so many people neglecting Christmas when it comes to saving
for, implies borrowing in one form or the other. When you are
borrowing then the best way inarguably is Christmas loans. Many
people think that credit card is a better way to pay for
Christmas expenses. But if you are thinking of borrowing fo (read full article) |
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| Category :: Finance Articles |
Author :: Marsha Claire |
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| Article Title :: Unsecured consolidation loans: A master key unlocking several
doors......" To Freedom". |
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Unsecured Consolidation Loans are primarily offered to
individuals who find it difficult to manage their umpteen
monthly payments and other debts. It is also ideal for those who
find themselves in a position where they are incapable of
repaying all that they borrowed. With this loan, a borrower
receives an unsecured debt consolidation loan that he uses to
pay all his pending dues, by planning a payment schedule with
his creditor. The loan amount is usually restricted to £25,000
because of the absence of any security for the lender. All debts
till date are thereby clustered or consolidated for an easy debt
settlement; thus the name.
The main attraction of Unsecure
d consolidation loans is (read full article) |
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| Category :: Finance Articles |
Author :: Matt Ellsworth |
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| Article Title :: What Is A Credit Card? |
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Put simply, a credit card is just a small piece of plastic that
easily fits in your wallet. Well, it's not 'just a piece of
plastic'; it's a very powerful piece of plastic which can be
regarded as a compressed form of cash. We can define credit
cards as a credit system that allows the consumer to borrow
money on the fly from a bank or a financial institution and use
it to make payments to the merchants.
In order to obtain a credit card, the consumer needs to fill-in
an application form that is actually like an agreement between
the credit card supplier and the credit card consumer. The
credit card supplier approves the application form and provides
the consumer with a small piece of plast (read full article) |
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| Category :: Finance Articles |
Author :: Matt Ellsworth |
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| Article Title :: Student Credit Cards |
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For students, the student credit cards are the best way to enter
the fascinating world of credit cards. Student credit cards help
the students in taking advantage of the various benefits
associated with credit cards in general e.g. convenience,
safety, rebates etc., much earlier in their life. Moreover,
student credit cards act as training ground for students, most
of whom haven't had any experience with credit cards. The
student credit cards help the students in gaining hands-on
knowledge about the various aspects of credit cards and their
use. Most credit card suppliers also include a small guide that
helps the students in gaining a good understanding of credit
cards, upfront. The student (read full article) |
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| Category :: Finance Articles |
Author :: Matt Ellsworth |
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| Article Title :: What Do The Teen Credit Card Debt Statistics Tell? |
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Well, you don't really need to look into the teen credit card
debt statistics to tell what's going on. The teen credit card
debt statistics would probably look very similar to any other. I
think I read somewhere about teen credit card debt statistics
and those teen credit card debt statistics indicated that a lot
of teens in US had a significant amount of balance on their
credit cards; something which they shouldn't have (considering
their limited needs for credit). Though these teen credit card
debt statistics would give you a fair idea of how our teens are
faring in the world of credit cards it's really not so important
to talk about teen credit card debt statistics as it is to talk
about (read full article) |
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| Category :: Finance Articles |
Author :: Jeffrey S. Ragan |
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| Article Title :: 3 Tips for First Time Home Buyers |
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3 Important Tips for First Time Home Buyers
When looking at tips for first time home buyers, you've come to
the right place.
Many people are looking all over the Internet for reliable
information. There's over 761,940 websites (as of March 05) with
information or online forms urging you to fill them out for more
details.
While I certainly agree the Internet is a great place for
obtaining tips for first time home buyers, it can also become a
real information overload as well. So I want to give you some
tips that can help in your search.
Tips for First Time Home Buyers #1
Don't be too quick!
Avoid giving out your personal information like Social Security
number, d (read full article) |
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| Category :: Finance Articles |
Author :: Jennifer Hershey |
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| Article Title :: Refinancing with Home Equity Loans |
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If you have lived in your home for a reasonable amount of time,
you may be considering refinancing.
Refinancing can be done in a few different ways. One of the most
popular recently has been the home equity loan.
A home equity loan is a loan used to pay off your existing
mortgage at a lower rate.
Also, when refinancing with a home equity loan, you have the
option of liquidating some of the equity you have established in
your home through monthly mortgage payments and appreciation.
Lets suppose you owe $125,000.00 on the mortgage to your home,
but your home is worth $200,000.00. This means you have
$75,000.00 worth of equity that you can liquidate.
Realistically, you could get a home eq (read full article) |
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