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Consolidate Your Credit – Top 10 Options #federal #school #loans


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Consolidate Credit

10 Ways to Consolidate Credit Card Debt

Readers often ask Bill, the Bills.com advice columnist, how to consolidate their credit card debt. Here is a summary of Bill s top 10 suggestions for you to consolidate credit card debt.

1. Apply for a Home Equity Loan

A home equity loan is money you borrow that is secured by your ownership stake in your home. Home equity loans are similar, in some ways, to standard primary mortgage loans. Both have fixed principal amounts disbursed when the loan closes, pre-set payment schedules, and either adjustable or fixed interest rates. Home equity loans also share similarities with Home Equity Lines of Credit (HELOCs).

2. Consider a Cash-Out Refinance

In a cash-out mortgage refinance, the home s value is estimated by an appraiser. The house s value is compared to the balance on the home loan. Any equity available can be borrowed against by the homeowner. If the homeowner refinances for amount larger than the balance of the mortgage, this is called a cash-out refinance.

3. Open a Line of Credit

A line of credit is a form of revolving credit where the borrower is approved for a specific amount of credit. Banks and credit unions typically offer consumers lines of credit secured by a home. They may also offer an unsecured line of credit to high net-worth customers with perfect credit history.

4. Transfer to a Card with 0% Interest Balance Transfer

0% balance transfer offers are available only on certain credit cards, and only well-qualified people are offered these cards. However, if you qualify, the 0% rate is for a limited period of time. If you do not pay off the debt you transferred onto the new card within the promotional period, the creditor will begin charging interest on the remaining balance.

5. Apply for a Personal Loan

Personal loans have fixed monthly payments and must be paid-off in-full within a set amount of time (typically over 36 or 60 months). You can find personal loans at your local bank, credit union, Prosper or Lending Club .

6. Get a 401(k) Loan

A 401(k) loan, if allowed by the rules of your 401(k) plan, is a withdrawal from your account that you repay with a modest interest rate. The interest paid goes to your account. You pay yourself the interest. There is no tax consequence for a 401(k) loan that is repaid. The risk of a 401(K) loan is the costs involved if something prevents you person from repaying the loan as agreed.

7. Borrow From a Rich Family Member

It probably will save interest charges, but personal loans create the potential for damaged personal relationships, the expectation that you ll return the favor years down the road, and even legal action by someone who was previously a good friend or close family member. If you are asked to lend money to a relative, consider instead gifting the person the money.

8. Consult With a Credit Counselor

Consumer Credit Counseling Service (CCCS) companies help people with financial counseling, budget planning, and Debt Management Plans (DMPs). In a DMP, the CCCS arranges a new payment amount with each of your creditors that is based on a lower interest rate. You then make a monthly payment to the CCCS, which distributes the funds to creditors. CCCS has negatives, though. First, depending on your creditors, the CCCS may not be able to reduce monthly payments enough to improve your financial situation. Second, it may have a negative impact on your ability to obtain a loan, so you may not wish to enter into a DMP if you anticipate any large purchases, such as home or an auto, soon. Third, the average DMP takes 5 years to complete, so you must be able to commit to a long-term repayment plan.

9. Hire a Debt Settlement Company

Debt settlement companies also offer credit consolidation services. Rather than making monthly payments to your creditors, these programs negotiate lump-sum settlements with creditors, often reducing debts substantially. Debt settlement programs usually take 3 to 4 years to complete, so this is a good option for many people to rid themselves of debt in a speedy manner. In many cases, they set up a low monthly program payment. However you make special savings deposits in lieu of minimum monthly payments. You are not making payments to creditors, which has negative consequences. First, debt settlement programs, will significantly damage your credit score while in the program. You will also be exposed to your creditor s collection efforts, including letters calls and possible lawsuits. However, if you are unable to afford to pay your creditors, the hit to your credit and the negatives may be worth the benefit of ridding yourself of credit card debt.

10. Create a Budget and Change Your Spending Habits

One of the first steps toward financial freedom is to understand how much money comes in and goes out of your household every month, what is called your cash flow. Your cash flow is a factor of how much comes in as income and how much goes out as expenses. Hopefully, you have much more coming in than is going out and if you don t you may need to make some quick changes. Start by creating a budget that breaks down your income and expenses by financial categories, providing you with a snapshot of your entire cash flow picture.

Conclusion

As you can see, you have many options to consolidate your credit card debt. Which you choose depends on your goals, circumstances, and the amount of your debt.


10 steps to a great deal on a new-car loan #school #loan #consolidation


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Ch. 2: Your new-car dollar

Here are 10 tips to help you get the best auto loan:

1. Shop the loan separately from the car. Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

2. Limit your loan shopping to a two-week period. Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

3. Get familiar with your own credit history. Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

4. Shop the total loan amount, not the monthly payment. The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

5. Don’t assume the best. Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables .


10 questions on joint home loans answered! #consolidate #debt


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aking a home loan with your spouse? Or any other family member, for that matter?

Here are the 10 most frequently asked questions regarding this issue.

1. Must the co-owners be co-applicants?

Yes. All home loan companies insist that all co-owners be co-applicants.

But the reverse is not necessarily true. All co-applicants need not necessarily be co-owners.

2. If the apartment is in my wife’s name, can I take the loan?

You and your wife will have to be co-applicants for the loan.

If you are neither the owner nor the co-owner of the apartment, you will not be eligible for any tax benefits on the loan repayments.

10 home loan terms you must know

3. If my wife and I have bought a home, can we register it on any one individual’s name or must it be registered on both our names?

If the flat is jointly owned, it is better that it be registered jointly.

4. My spouse and I own a house with ownership being 50:50. But I am repaying the entire loan. Can I claim the entire tax benefit?

You will get the tax benefit in the proportion to your share in the loan. Here is an example:

Cost of the apartment: Rs 500

How it is paid for: 50% of your own contribution and 50% by a loan


How to Get a $10, 000 Personal Loan #installment #loans #online


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How to Get a $10,000 Personal Loan

Many people think of loans for cars and homes, but there are also times when people seek personal loans for things such as home remodeling, unexpected expenses, medical bills, and even holiday shopping or personal vacations. If you are seeking a $10,000 personal loan, there are several factors that you should consider before securing that personal loan.

Different Types of Personal Loans

It is valuable to know that there are two basic types of personal loans – secured and unsecured. In general, secured loans will offer lower interest rates, but you need to provide some type of collateral asset in order to secure the loan at the low interest rate. This might be your car, home, or other major holding that you agree to sell and use the funds to pay back the loan if you can’t make payments in full otherwise.

Unsecured loans don’t require these assets, but the interest rates you will pay are often much higher because there are no assets backing the amount borrowed. These types of loans then look to your income and your credit report to determine the likelihood that you will be able to pay back the loan on time. Both types of loans are usually arranged to be paid off within 5 years or less, similar to what you would contract for on a new car.

Where to Get a Personal Loan

Depending on which type of loan you are seeking, there are many options for you to consider when searching for a personal loan. Start by knowing your credit score (you can obtain one for free each year through annualcreditreport.com or purchase one from a major credit bureau). Once you have an accurate picture of your credit rating, you will have the foundation for negotiations and final terms.

Personal bank loan – Your local bank or credit union should be the first place you look for your personal loan. If you already have an established account with the institution, some of the initial paperwork has already been compiled, saving you time and energy. Your bank can tell you different options for both secured and unsecured personal loans. Sometimes your personal bank won’t have the best offer on interest rates or terms, so be sure to shop around for the loan program that suits your needs best.

Loan agencies – There are many loan agencies that offer personal and mortgage loans, and many of them conduct business online. If you are looking into one of these possibilities, just make sure that you read the reviews, check with the Better Business Bureau. and do your homework before signing on the dotted line.

Cashcall.com – This service offers both personal loans and mortgages, and the application process is done online and you can have your funds wired directly to your bank the same day as your application is approved. These personal loans are unsecured, meaning you don’t place anything up for collateral. This also means that your interest rate will be higher than with a secured loan, but if you don’t have any collateral to offer, this might be a good option.

Payday Loans – Be aware that many online loan agencies are considered payday loan service providers and do not offer personal loans beyond $1,000. If you find lenders who offer the $10,000 for which you are seeking, make sure you check the interest rate and the terms.

Loan specific agencies – Sometimes the best place to look for a personal loan is at a connected source. If you are seeking a personal loan to help with expenses while you are in school, check out options through SallieMae.com for student related loans. If you are a veteran, there may be special loan programs available to you as well.


How to Get Government Interest Free Loan for up to 10 Years #used #car #loan


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Things You’ll Need

Instead of PAYING interest, get an interest free loan from the government. This is in the form of social security. There is a loophole that allows you to draw the Social security check and use it as you desire. So first you need to have a social security check and a bank account.

Make a plan. Consult with financial adviser for the best way to invest the social security money with low risk and fairly safe returns. Diversify investments reserving the principle to return to social security funds in about 10 years.

Some ideas would be notes, Cd’s, bonds. You can use the proceeds to invest in higher risk things if you and advisers deem it wise. Do not risk your basic money (principle).

At the time deemed to be best for your finances, return all the social security monthly payments minus taxes paid. File the form SSA521 as shown in resource box.

You will deduct any taxes paid over past years from the principle (social security money). This makes the money tax free and interest free. Please make sure to track the news regarding changes in this procedure.

At the time deemed best opt back in to the social security and you will have an instant raise in the funds sent to you monthly. Since the cost of living will have gone up you may need to use some of the money from that social security check, but still should have some set aside for investing.


Top 10 Best Finance Apps for Android #best #finance #apps #for #android #2013, #best #finance #apps #for #android, #best #finance #apps #for #android #tablet, #best #finance #apps #for #android #phones, #best #financial #apps #for #android, #best #financial #news #apps #for #android, #best #financial #planning #apps #for #android, #best #personal #finance #apps #for #android, #finance #apps #for #android, #finance #apps #for #android #phones, #finance #apps #for #android #tablets, #finance #apps #for #android #market, #android #finance #apps #free, #android #finance #apps, #android #finance #apps #2013, #free #finance #apps #for #android, #free #finance #apps #for #android #tablets, #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android, #download #free #finance #apps #for #android #tablets, #download #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android #mobile, #top, #best, #free, #finance, #apps, #android, #2013, #top #finance #apps #for #android, #top #finance #apps #for #android #2013, #top #10 #finance #apps #for #android, #bank #of #america #android #app #on #google #play, #chase #android #app #on #google #play, #discover #android #app #on #google #play, #e-trade #android #app #on #google #play, #geico #android #app #on #google #play, #google #finance #android #app #on #google #play, #google #wallet #android #app #on #google #play, #mint #android #app #on #google #play, #paypal #android #app #on #google #play, #usaa #android #app #on #google #play, #bank #of #america #android #app, #chase #android #app, #discover #android #app, #e-trade #android #app, #geico #android #app, #google #finance #android #app, #google #wallet #android #app, #mint #android #app, #paypal #android #app, #usaa #android #app, #bank #of #america, #chase, #discover, #google #play, #e-trade, #geico, #google #finance, #google #wallet, #mint.com, #paypal, #usaa


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Top 10 Best Finance Apps for Android

Chase Mobile lets customers manage their banking 24/7 from their phones. View accurate account balances and viewing history, transfer funds between both savings and checking accounts, and make quick deposits no matter where you are. Search for the nearest Chase bank branch and ATMS. Connect with Chase representatives while on the go. You can download Chase Mobile from the Google Play Store here.

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10 of the world – s longest bridges of various types #travel, #10 #of #the #world #s #longest #bridges #of #various #types, #cnn


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10 of the world s longest bridges of various types

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(Travel Leisure) — If you ever find yourself in Hunan, China, rent a car and drive the Jishou-Chadong Expressway: 18 tunnels under the Wuling mountains that culminate at the Aizhai Bridge, a gut-churning 1,150-foot-high suspension bridge over the Dehang Canyon.

It’s a man-made wonder, the world’s highest (and maybe even scariest) tunnel-to-tunnel bridge — and yet it ranks only 15th among the world’s longest suspension bridges.

For the thrill of seeing No. 1, you’d need to head to Kobe, Japan, and marvel at the Akashi-Kaikyo Bridge. But in the race to build the biggest and baddest bridges of them all, record-hungry China tends to dominate in hard stats.

A timelapse produced by the Indiana DOT captures the record-breaking bridge slide of the Milton-Madison Bridge.

Five out of the top 10 suspension bridges are there, for instance. So instead of a China-heavy list of bridges, we’ve focused on a variety of categories, from covered bridges to pontoon floaters, to bring you a diverse cross section of the longest.

From the ice roads of Arctic Alaska to a cable-stayed controversy on the other side of the Bering Strait — stretching over cities, seas and even the jungle canopy — the world’s longest bridges exist on a scale that can only be described as stupefying. Be sure to gas up before you take them on.

1. Longest suspension bridge span

Akashi-Kaikyo Bridge, Kobe, Japan

Length: 6,532 feet

Before this steel behemoth bridged the Akashi Strait that separates Kobe from Iwaya, severe storms in the area would routinely sink ferries. Not that the world’s longest suspension bridge has it any easier: every day, 23,000 cars pass over a structure that must withstand earthquakes (a 7.2 magnitude earthquake hit in 1995), consistently strong tidal currents (9 knots), and wind gusts up to 179 mph.

Completed in 1998, the record-setting central span 213 feet above the sea makes up over half its total 12,831-foot length; by comparison, the Golden Gate’s central span is only 4,200 feet. For an up-close-and-personal (and gut-dropping) view, bridge tours take visitors to the top of one of the towers. jb-honshi.co.jp

2. Longest inhabited bridge

Krämerbrücke, Erfurt, Germany

Length: 259 feet

Like the Old London Bridge before it and Italy’s Ponte Vecchio, the fairy tale-like Krämerbrücke, or Merchant’s Bridge, is a bit of European history preserved in the modern day. After a series of fires destroyed previous attempts to build a span over the Breitstrom River in the 12th and 13th centuries, a stone arch bridge was built in 1325.

Eventually, 62 half-timbered houses were added on top, 32 of which survived till today and continue to be home to shopkeepers and artisans. This multipurpose bridge has likely inspired more contemporary versions, like Zaha Hadid’s 919-foot-long Bridge Pavilion in Zaragoza, Spain. erfurt-tourismus.de

3. Longest bridge over water (continuous)

Lake Pontchartrain Causeway, Louisiana

Length: 23.87 miles

Due to recent feats of Chinese engineering, the four-lane, 5,189-pile concrete trestle bridge north of New Orleans got demoted by Guinness World Records for world’s longest bridge over water. But the change did not come without controversy, with many Pontchartrain loyalists arguing that the new winner, a 25.84-mile elevated highway-bridge-tunnel project near Qingdao, China, actually has only 16.1 miles that span the sea compared to 23.79 miles of Pontchartrain’s that are over open water.

Guinness compromised by bestowing a new title upon the 58-year-old causeway: Longest Bridge Over Water (Continuous). However you rank it, it’s still a pulse-quickening half-hour drive. thecauseway.us

4. Longest canopy walkway

Taman Negara Canopy Walkway, Kuala Lumpur, Malaysia

Length: 1,509 feet

Deep in the heart of the Malaysian jungle, the Taman Negara Canopy Walkway provides visitors with unparalleled views and no shortage of thrills. For a mere $1.50, adventurers can channel their inner macaque (and probably see one, too) while traversing more than a quarter mile of narrow bridges strewn between centuries-old trees, offering up-close-and-vertigo-inducing views of local flora and fauna — 160 feet above the jungle floor. taman-negara.com

5. Longest floating bridge

Evergreen Point Bridge, Seattle

Length: 7,580 feet

Officially known as Governor Albert D. Rosellini Bridge (the Washington statesman who oversaw its creation in the early 1960s), this section of State Route 520 connects Seattle to its eastern suburbs via a roadway that floats atop Lake Washington on 33 football field-size pontoons.

The design was chosen due to the lake’s unstable bed and the curved nature of the roadway (a common problem for the area, which would explain why the state is home to four of the five largest floating bridges in the world). The aging structure is currently being replaced by a larger, even longer, more modern floating bridge that can even accommodate a light-rail system. wsdot.wa.gov

6. Longest masonry arch bridge span

Pont de la Libération, Villeneuve-sur-Lot, France

Length: 315 feet

Though arch bridges are still popular today, they’re usually built with modern materials like steel (see: Chongqing, China’s Chaotianmen Bridge, at 5,712 feet the longest arch bridge span, period). Which is a shame, considering some masonry arch bridges (brick and/or stone) are so mathematically precise, not to mention beautiful, they could stand without mortar.

More than 100 years old and spanning the Lot River in southwestern France, the Pont de la Libération is made of brick and unreinforced concrete — technically very small stones and mortar. If it’s anything like its distant cousin the Pont du Gard aqueduct, it will stand for hundreds more. Take note, China bridge barons.

7. Longest covered bridge

The Hartland Bridge, New Brunswick, Canada

Length: 1,283 feet

The bridges of Madison County have nothing on this 112-year-old National Historic Site of Canada, which became the world’s longest covered bridge only after two spans were destroyed by river ice in 1920, prompting replacement and a roof (covering helps prevent rot on the central wooden trusses).

Built as a private bridge by a coalition of residents desperately in need of a direct way across the Saint John River — 3 cents for a pedestrian; 6 cents for a horse and wagon — it’s now a regional icon open to all, beloved enough to get its own Google Doodle. town.hartland.nb.ca

8. Longest rail bridge

Danyang-Kunshan Grand Bridge, China

Length: 102.4 miles

Connecting Shanghai to Nanjing along the Beijing-Shanghai High-Speed Railway, this elevated viaduct was named the world’s longest bridge — period — by Guinness World Records when it opened in 2011. (Also on the railway, the 70.6-mile Tianjin Grand Bridge, which connects Langfang to Qingxian, is the world’s second longest.)

Running parallel to the Yangtze River past lowland rice paddies, most of the span acts as an elevated railway, similar to the El in Chicago, though a 5.6-mile section does act like a traditional bridge, crossing the Yangcheng Lake in Suzhou.

9. Longest ice bridge

Beaufort Sea Road, Alaska

Length: 68 miles

Time, fortitude and frigid cold are the only tools needed to build an ice bridge. Made popular by the hit reality TV series Ice Road Truckers, many of these cold-temperature roadways traverse a snowy mix of land and frozen lakes. But this span over the Beaufort Sea to Alaska’s northernmost oil fields is pure Arctic ice. One of the most dangerous (and unique) bridges on this list, it is also one of the only ways to service the ExxonMobil hub of Point Thomson.

10. Longest natural bridge span

The Fairy Bridge, Guangxi, China

Length: 400 feet

Though bridges are one of the greatest examples of human engineering, they are hardly a creation unique to man: rock archways hewn by Mother Nature (usually by erosion) likely provided inspiration for our brick-and-steel masterworks.

And wouldn’t you know it, even in this category of bridges, China still dominates. The country is home to three of the longest natural bridge spans in the world, including the 400-foot stunner over the Buliu River near the border of Vietnam. Carved out of a limestone karst, the Fairy Bridge (Xianren Qiao) is an isolated structure accessible only by a three-hour rafting trip. naturalarches.org


10 Good Reasons to Get a Personal Loan – JoeTaxpayer #loan #amortization #calculator


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10 Good Reasons to Get a Personal Loan

Today, a Guest Post from Dona Collins

You may not believe this, but not all debts are bad. If you never take on any debt, then how can you build hope to build a positive credit history? If you want to find a place to live or a buy a car, it helps tremendously if you have already established good credit. Debt, when managed properly, can help you get the things you need in life. For that reason, and many more, personal loans are a type of debt that can be beneficial as long as you spend the money wisely.

Finance Home Improvements

Investing in your home is rarely a bad idea. If you have a project in mind that will add value to your home. a personal loan can be a great way to finance it without tapping into your equity. Some websites like prosper.com or creditloan.com offer loan rates under 7%, if you qualify, so you can afford to borrow the money for your project without racking up high-interest credit card debt. The right home improvements can provide a great return on your investment.

Improve Your Credit

When the credit bureaus calculate your credit scores, they look for a mixture of revolving credit lines like credit cards and installment loans. Taking out a small personal loan and paying it off on time will help boost your scores. You have to establish a payment history though; you cannot just borrow the money and then pay it right back. Make monthly payments for at least six months to a year before you fully repay the loan.

Create an Emergency Fund

In some cases, it actually does make sense to borrow money just to have it for a rainy day. It is good to have a sizeable lump sum of cash you can access when you need to. Instead of waiting until an emergency expense smacks you in the face and you are desperate, considering getting a personal loan that you can pay back over time to establish your savings. You can get a better deal if you take time to shop around beforehand, rather than wait until you are pressed for time.

Pay Less Interest

Personal loans are unsecured, so they do come with a higher interest rate than a secured loan, but the rates are still lower than most credit cards. If you have high credit card balances, taking out a personal loan to pay them off will save you money. You may even want to consider getting a specific debt consolidation loan or lower interest personal loan. This does require that you have to stop using your credit cards if you want to keep your debts low.

Start a Side Hustle

While the term might remind you of playing pool, a side hustle is simply another term for starting a part-time business from home. Many people take their favorite hobbies and turn them into a side business that helps bring in some extra income. After you receive the loan funds, take the additional income from your new business and use it to pay off the loan faster so that you can enjoy 100% of your profits.

Buy a Used Car

Usually car loans are a better way to buy a vehicle. However, lenders tend to be more reluctant to loan money for used cars than they are for new cars. Additionally, if you already have an existing car loan then you might not be able to qualify for a second one. Whether you are purchasing a vehicle for yourself, or helping someone else buy one, a personal loan is an alternative worth contemplating if you cannot qualify for a good car loan.

Medical Expenses

Putting off medical procedures because you cannot afford them is never a good idea. There are many expenses that traditional health insurance does not cover like dental problems that can create major health complications if you do not get treatment. It does not matter if you apply for a loan online or go to a traditional bank like Wells Fargo, it is better to borrow the money you need than put your health at risk.

Start an Investment

If want to try buying stocks or start a Roth IRA for your retirement, a personal loan can be a good way to jump-start your plans. In order to get the best value for your loan dollars, you should pay your loan off before you start investing. Otherwise, the interest you will pay on the loan will offset your gains. If you are planning to use the money to start a retirement fund, keep in mind that you will not be able to access those funds early without paying penalties.

Purchase a Computer

These days, for many people, a computer is not a frivolous purchase. An increasing number of companies are increasing telecommuting opportunities for their employees. You also may be one of the many people who brings work home with you too. Investing in a faster computer will make your life easier and help you be more productive. A personal loan when you do not have the cash is a much less expensive way to buy a computer than in-store financing.

Buffer Your Checking Account

Unfortunately, many people cut their checking accounts too close and end up paying fees for not maintaining the minimum balance requirement, or even worse, get hit with overdraft fees. As long as you can work the loan payment into your budget, a personal loan can be a great way to add some extra money to your account so you avoid bank fees. However, this only works as long as you leave the money in the account.

It a good idea to avoid getting a personal loan for thing you do not really need like vacations or unnecessary purchases. That being said, there are times where getting a personal loan is a wise decision. Before you borrow money, consider your motivations and make certain that you will be able to repay your loan on time. If you can make your payments without fail, a personal loan can be a quick, efficient solution to some of your problems.

About the Author: Dona Collins is a personal finance specialist who loves to help others find creative ways to manage their finances, eliminate debt, and live healthy financial lives.

5 Responses to 10 Good Reasons to Get a Personal Loan

I definitely agree with all of these including medical expenses. A close friend of mine had a medical expense and needed to use a credit card to pay off this debt due to a strange financial situation. I helped her pay off the expense recently but that s definitely the way to go!

Great post, Dona! Excellent reminder about not being able to access retirement funds early without paying penalty fees.

Best Money Tips: How to Sell Stuff on Craigslist | PFS Says:

[ ] 10 Good Reasons to Get a Personal Loan If you want to buy a used car, it may be a good idea to get a personal loan. [Joe Taxpayer] [ ]

Craig Kingston Says:

Great post. All of your ideas are valid reasons to take out a personal loan. I was unaware that you need to make at least 6 monthly payments on a loan before paying it off to have the loan benefit your credit score. That is good to know.

Best Money Tips: How to Sell Stuff on Craigslist | BefurgalBehappy Says:

[ ] 10 Good Reasons to Get a Personal Loan If you want to buy a used car, it may be a good idea to get a personal loan. [Joe Taxpayer] [ ]


Top 10 Best Online Bachelor s in Psychology Degree Programs #bachelors #of #psychology #online, #top #10 #best #online #bachelor\’s #in #psychology #degree #programs


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Top 10 Best Online Bachelor s in Psychology Degree Programs

Choosing one of the Top 10 Online Bachelor s in Psychology Programs listed here is an excellent way to ensure that a student interested in distance learning will receive a good quality education.

Featured Bachelor s Programs

Ranking the Best Online Psychology Degree Programs

All of these programs are offered by accredited institutions, and courses are taught by experienced instructors.

#1 Post University

Post University is an accredited school located in New England. Known for its challenging curriculum and small class sizes, the school has been in operation since 1890.

Get info about this program from Post University.

Undergraduate students pay $525.00 per credit hour.

Students may transfer up to 90 credits from another accredited school. Online tutoring services are available at no extra charge.

Human Development, Education, and Health
Organizational Studies

#2 Colorado Christian University

Colorado Christian University was founded in 1914, and this school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.

Students attending CCU online pay $542.00 per credit hour.

This school allows students to apply up to 31 credits from prior life experiences toward a degree. Online classes are conducted in seven-week blocks, and all work can be completed and submitted online.

#3 Franklin University

Franklin University is a private, non-profit school. Prospective students can enroll in a program at various times throughout the year.

The standard tuition per credit hour is $375.00.

This school attempts to maximize the number of prior credits which may be transferred toward a degree program. Courses are self-paced, which allows students to learn on their own schedule.

#4 Capella University

Capella is an accredited online university. The school s iPhone app and mobile site allows students to stay connected to their course material while on the go. Learners can see a course dashboard and school news items, as well as receive financial aid alerts on most mobile devices.

Get info about this program from Capella University.

Tuition costs range from $290.00-$350.00 per credit, depending on the course level.

Capella students have the option of earning credits toward a Master s degree in Psychology while enrolled in the undergraduate program after they have completed 100 quarter credits. A minimum GPA (Grade Point Average) of 3.0 is required if a student wishes to remain in the combined BS/MS program.

#5 Kaplan University

Kaplan University was founded in 1937 and offers on-campus and online learning programs. New students enrolled in online programs can try out the school at no cost for five weeks. Tuition is payable only if the student chooses to continue in the program.

Get info about this program from Kaplan University.

The BS in Psychology costs $371.00 per credit hour.

This school offers an accelerated Bachelor of Science in Psychology-to-Master of Science in Psychology option. The advanced degree can be completed more quickly than if a student enrolled in each one separately. This unique feature helped Kaplan make our list of Top 10 Online Bachelor s In Psychology Programs .

Applied Behavioral Analysis
Child Development
Substance Abuse

#6 Liberty University

Liberty University is the largest Christian university in the world. This private, non-profit school is regionally accredited by the Commission on Colleges of the Southern Association of Colleges and Schools.

Full-time students pay $304.00 per credit hour.

Students enrolled in the BS in Psychology program at Liberty online complete a three-credit-hour internship as part of the requirements for their degree.

Christian Counseling
Crisis Counseling
Life Coaching
Substance Abuse

#7 Walden University

Walden University was founded in 1970. Since that time, the school has developed a reputation for offering quality programs and offering a high level of student support, including tutoring and career services.

Get info about this program from Walden University.

Students at Walden pay $280.00 per credit hour.

Walden s MobileLearn platform allows students to download audio files or podcasts to a smartphone or MP3 player. Course materials can also be downloaded to a desktop or laptop computer.

Addictions
Applied Psychology
Child and Adolescent Development
Criminal Justice
General Psychology
Human Services
Infant and Toddler Development
Preparation for Graduate Studies
Preschool Child Development
Workplace Psychology

#8 Robert Morris University

Robert Morris University located in Moon Township, PA. Founded in 1921, this school has a very impressive 95 percent placement rate which is a major reason they made our list of the Top 10 Online Bachelor s in Psychology Programs .

Tuition at RMU is $665.00 per credit hour.

Online programs are taught by the same faculty members who teach on-campus courses. Each one was developed by a curriculum designer who worked with each instructor to develop a challenging education experience.

#9 Columbia College

Columbia College was founded in 1851. Most online courses are taught by the same instructors who teach on campus.

Students enrolled at Columbia College online pay $229.00 per credit hour.

Class sessions start in January, March, June, August and October. Courses are eight weeks in length. Students can start and stop their degree program whenever they wish, and they can take a break from their studies entirely if they want or need to, and pick up again where they left off when they are ready.

#10 Upper Iowa University

Originally known as Fayette Seminary of the Upper Iowa Conference, this school welcomed its first class of learners in 1858. The University is accredited by the Higher Learning Commission.

Tuition for online undergraduate programs at UIU is $365.00 per credit hour.

Up to 90 hours of undergraduate credit can be transferred toward a degree at Upper Iowa University. A demo course is available to help prospective students determine whether they would be good candidates for online learning.

Filed under: Top 10 Online Bachelor s in Psychology Programs, Best Bachelor s in Psychology Programs


Top 10 Online Master s in Psychology Degree Programs 2016 #masters #degree #in #psychology, #top #10 #online #master\’s #in #psychology #degree #programs #2016


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Top 10 Online Master’s in Psychology Degree Programs 2016

Completing the requirements for an online master s in psychology will help one to qualify for a number of challenging careers. All the schools on our list of Top 10 degree programs offer a high quality curriculum and the flexibility to study from the location that works best for you.

We selected programs from these accredited schools based on variety and depth of available concentrations and flexibility of learning options for the online student pursing an online master s in psychology. These online master s of psychology programs are among the best of their kind in the world of psychology degree programs .

Ranking of Online Master s in Psychology Degree Programs 2016

#1 Chicago School of Professional Psychology

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The Chicago School of Professional Psychology is a highly respected, not-for-profit graduate school. It is accredited by the Western Association of Colleges and Schools.

Master s degree students paying $982.00 per credit hour.

Applicants must hold a Bachelor s degree and have at least five years of work experience after completing their undergraduate studies to be considered. Terms are seven weeks in length with a one-week break before starting the next learning session.

Generalist
Child and Adolescent
International Psychology
Sport and Exercise
Organizational Leadership
BCBA Foundation
Non-Licensure
Industrial and Organizational Psychology
Gerontology

#2 University of Liverpool

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The University of Liverpool was founded in 1881. It has a well-deserved reputation for academic excellence, and is a popular choice for professionals worldwide who wish to earn an online master s degree in psychology.

International post-graduate students pay an annual rate of £15,251 ($22,935.00) to take classes at the University.

Applicants must hold a bachelor s degree that is the equivalent of a British Honours degree and have at least tow years of relevant professional experience to be considered. Dedicated academic advisors are available on a 24/7 basis to offer study support.

Applied Psychology
Forensic Psychology Criminal Investigation

#3 North Central University

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North Central University is an accredited online university. It is accredited by The Higher Learning Commission and is a member of the North Central Association of Colleges and Schools.

The basic rate for tuition is $709.00 per credit hour.

This school offers a one-one-one teaching model. Each student is paired with a faculty member in each course for a highly personalized experience.

Gender Diversity Studies
General Psychology
Health Psychology
Industrial Organizational Psychology

#4 Golden Gate University

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Golden Gate University has been offering degree programs for over a century. This private, not-for-profit institution is accredited by the Western Association of Schools and Colleges.

Students at GCU pay $840.00 per credit hour.

Each course in the online MS in psychology degree program curriculum includes at least one supervised exam. Students can arrange to have it supervised at any GCU campus, a local library, by their employer, or any other responsible person.

Marriage and Family Therapy and Industrial/Organizational Psychology (Combined)
Counseling
Industrial/Organizational Psychology
Marriage and Family Therapy

#5 Southern New Hampshire University

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Southern New Hampshire University is a not-for-profit, accredited university. It has been offering degree programs for over 80 years. The school was included on Fast Company s list of the World s 50 Most Innovative Companies in 2012.

SNHU charges $320.00 per credit hour for tuition.

The University offers four start dates per year. Courses are 11 weeks in length. There is no on-campus requirement.

Child Development Psychology
Industrial Organizational Psychology

#6 Capella University

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Capella University is a private school that operates under an open enrollment policy. It is a member the North Central Association of Colleges and Schools and is accredited by The Higher Learning Commission.

This school s tuition is $430.00 per credit hour, which makes it one of the most affordable online masters in psychology degree programs available.

Capella offers streamlined online master s in psychology programs that can be completed in as little as 15-18 months.

Child and Adolescent Development
Educational Psychology
Evaluation, Research, and Measurement
General Psychology
Industrial/Organizational Psychology
Leadership Coaching Psychology
Sport Psychology

#7 Sacred Heart University

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Sacred Heart University is a private, not-for-profit educational institution. It was founded in 1963 and is the second-largest Catholic university in New England.

Tuition is $725.00 per credit hour.

Applicants without an undergraduate degree in psychology will be considered for the master s program. Students who do not hold a degree in this field enroll in an online preparatory course.

Industrial-Organizational Psychology
Community Psychology
General Psychology

#8 Walden University

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Walden University is a private school that was founded in 1970. It is accredited by The Higher Learning Commission and is a member of the North Central Association.

Students at Walden pay $445.00 per credit hour.

The University offers a choice of either a thesis or capstone option for its MS in psychology program. Students who choose the thesis option either complete a research study or a critical literature review. For the capstone option, students are required to complete a major paper on a topic related to their specialization.

Applied Psychology
Crisis Management and Response
Educational Psychology
General Program
Health Psychology
Leadership Development and Coaching
Media Psychology
Organizational Psychology
Organizational Psychology and Nonprofit Management
Psychology of Culture
Psychology, Public Administration, and Social Change
Social Psychology
Terrorism and Security

#9 Grand Canyon University

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Grand Canyon University was founded in 1949. This private school offers degree programs from a Christian perspective.

Graduate students pay $495.00 per credit hour.

The Master s of Science in psychology program at GCU is a non-thesis one. Applicants must hold a bachelor s degree.

General Psychology
Industrial and Organizational Psychology

Additional Online Psychology Degree Program Rankings