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Mortgage Rates Drop To 52 Year Lows
Mortgage rates have drop to a 52-year low this week. according to a report by bankrate.com which was released Thursday, all of this, after the government announced that it would be buying more than $1 trillion in bad debt. The average 30 year fixed rate mortgage rate dropped to 5.19% this week, down from 5.29% last week. According to Bankrate.com, the previous low was 5.28%, which was available in... [Read more]
How to hurt your credit score
Gone are the days when lenders gave to credit to anyone who asked. Today, the rules are tightening up and the lenders are closely looking at your credit report before deciding on giving you that loan. In these economic times, one should have the best possible credit report and score. Believe it or not, many people do things to their credit report that simply hurt their score and lower their chances... [Read more]
3 Easy ways to get your credit report
It is important to get a copy of your credit report for many reasons. Knowing your credit, and effectively managing it, is vital if you wish to maintain a good credit score. There are many ways to get a copy of your credit report, some more direct than others. The first method you can use to get a credit report is to contact a credit reporting agency directly. The three primary agencies are TransUnion,... [Read more]
7 Things to know before choosing a mortgage lender
Purchasing a new home or property is exciting. And maybe you have already applied for a loan and even received more than a few attractive mortgage loan offers to help with purchasing your home. However, before getting overly excited and accepting any mortgage loan, you need to understand exactly what type of contract you are making a commitment to. A mortgage is a major financial decision, so before... [Read more]
How to obtain the best interest rate on your mortgage
For anyone considering purchasing a new home, whether it is a primary residence or an investment property, locking in the most attractive interest rate possible is going to be one of the top concerns. If you have started the process, then you probably understand that shopping for a mortgage loan that fits your needs is just a small part of the overall equation. You have probably seen advertisements... [Read more]
Tips on buying gift cards
This holiday season, millions of people will flock to the biggest retailers to get the number one item on everyone’s shopping list. Although you might be thinking Xbox 360 or Playstation 3, Americans will be buying gift cards instead. I really believe that gift cards make great gifts. As a matter of fact, every year, thousands of people go to retailers like Best Buy, Target, Circuit City, Walmart... [Read more]
How to bounce back from a loan denial
So you’ve been denied a loan. What do you do now? What exactly is the next step? Should you call the company that denied you the loan? Should you simply ignore the denial? Should you apply for another loan from another institution? There are many questions that go thru one’s mind when credit is denied. The best thing to do is to simply relax and use the moment to investigate and improve... [Read more]
5 Simple car buying tips
Buying a car isn’t something you do everyday. It is a tedious process that takes a lot of time, patience, and money. In order for you to get the best deal on your and potentially save a lot of money, you should adhere to the following tips. Tip 1. Review your credit - The worst thing you want to do is buy a car with a bad credit score. Before you decide to buy your car, make sure you get a copy... [Read more]
Tax payment options
In case you haven’t done so already, go ahead and file your income tax return. April 17th is quickly approaching and the IRS will want its money. Even if you don’t have the money to pay your full tax bill, make sure that you file your income tax return, or ask for an extension by April 17th. The absolute worst thing that you can do is to simply neglect paying your taxes. The IRS has stiff... [Read more]
Student loan consolidation tips
You are about to graduate from college, or you recently did. What should you be doing with your student loans? Besides paying them back, now is the perfect time to look into consolidating your student loans too. There are a large number of private companies that will help you consolidate your student loans at a lower rate. I’m pretty sure that you’ve received some type of letter asking you to consolidate... [Read more]
Credit card insurance. Do you need it?
If you have a credit card, you have probably been asked to purchase some sort of credit card insurance. It seems as if every time I speak to a customer service representative, they always solicit their insurance plan. No matter how many times you say no, they remain adamant and continue the pitch. Credit card insurance is not for every one of us. Some people take the offer and others don’t. It... [Read more]
How to find information on past student loans
While you were in college getting your education, you took out a bunch of loans to help you finance it. Now that you have graduated it is time to start paying them off. A lot of people do not know what happened to their loans once they graduate and end up defaulting. If you don’t know when or where to send payments, it is very important that you find out before you end up defaulting on your student... [Read more]
Understanding the universal default clause
When you get that credit card solicitation in the mail that guarantees an extremely low APR, make sure that you read the fine print. Your low interest can instantly increase to an extremely higher rate by simply missing one payment. A lot of people take out credit cards without properly reading the terms of service. Reading the terms of service can help you avoid paying a lot of money in fees. The... [Read more]
Ways to protect yourself from identity theft
When it comes to identity theft, there are many things that you can do to protect both your good name and your hard earned credit. Thieves cannot get your information unless you supply it to them. The best way to prevent identity theft is to simply protect your information. The thieves aren’t really getting smarter, we’re simply asking to have our identity stolen with some of the ways we... [Read more]
Guidelines for using credit responsibly
Now that you’ve been approved for a credit card, the real challenge begins. It is how you use that credit card that will determine your level of responsibility toward your personal finance. Here are a few guidelines that you should follow in order to start using your credit responsibly. Know the terms. Whether you have a credit card or a loan, it is important that you know the terms of the agreement.... [Read more]
