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10 Style Tips For The Young Professional | How To KICK MORE ASS At Work? – Video

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10 Style Tips For The Young Professional | How To KICK MORE ASS At Work, NEF2.COM


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10 Style Tips For The Young Professional | How To KICK MORE ASS At Work


10 Style Tips For The Young Professional | How To KICK MORE ASS At Work, NEF2.COM

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Top Ten Insurance Companies in the United States, The Truth About, top 10 life insurance companies usa.

#Top #10 #life #insurance #companies #usa


Top Ten Insurance Companies in the United States

Top 10 life insurance companies usa

There are a number of companies, such as A.M. Best and Standard Poor s, which rate insurance providers on various financial strength aspects in order to help consumers make more informed decisions (insurance company ratings).

If you re in the market for insurance, you should look for an organization that s been around a while, with a proven ability to repay claims if you re involved in an accident.

After all, it s a lot more likely an insurer will pay your insurance claim if they re still in business

Each state also has a department of insurance that monitors the financial status of insurance companies and regulates their practices.

That being said, here are the the top insurance companies in the United States by market share (not necessarily quality), according to the NAIC.com:

Top 10 Insurance Companies

1. State Farm Insurance Group

2. Liberty Mutual Insurance Group (also owns Safeco)

3. Allstate Insurance Group (also owns Esurance)

4. Berkshire Hathaway Group (also owns Geico)

5. Travelers Insurance Company

6. Farmer s Insurance Group (also owns 21st Century Insurance)

7. Nationwide Insurance Company

8. American International Group (AIG)

9. Progressive Insurance Group

10. AAA Insurance Company

*This list is based on data from 3/31/2014.

By top, they mean the largest insurance companies, not necessarily the best insurance companies . Remember, bigger isn t always better, and in many cases could mean more red tape and hassle when dealing with them. And even a higher price!

Insurance companies, much like other large corporations, don t always specialize in just one thing. However, they do tend to stick to insurance and financial services.

The insurance companies listed above may offer a combination of property, casualty, life, and/or health insurance coverage, along with an array of financial products as well. But the rankings are based on property and casualty lines only.

There are thousands of insurance companies out there to choose from; some focus on only one type of insurance or one specific region of the United States. For those reasons, they may not be on this list, despite being great companies.

It s certainly not necessary to purchase an insurance policy from one of the companies listed above to ensure you receive adequate coverage and service.

In fact, it s recommended that you obtain insurance quotes online and consult with an independent insurance agent so you can compare your options and get the best possible price.


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


#consolidate debt
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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


#loan deals
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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


#joint loans
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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


#10000 loan
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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


#interest free 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.



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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.


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



Oklahoma Department of Mental Health and Substance Abuse Services – DUI – Alcohol and Drug Substance Abuse Courses (ADSAC) #oklahoma #department #of #mental #health #and #substance #abuse #services,adsac,you,522,must,your,license,hour,drug,alcohol,assessment,1,offenders,10,revocation,substance,abuse,certificate,title,those,dui,chapter,program,july,2003


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For Oklahomans who have had their driver s license revoked or suspended, care has been taken to assure that you will be properly assessed in order to provide the most meaningful level of intervention for your individualized situation.

Once your assessment has been completed, a referral will be made to the appropriate intervention. The referral environment is an opportunity to review your current (and past) drinking and/or drug using behaviors, relating to your driving privilege. This allows you to decide if there are problems and determine any corrections that may need to be made. Levels of intervention range on a continuum from a 10 hour DUI school (called an ADSAC course) and Victims Impact Panel to Residential Treatment, including aftercare.

For those offenders receiving an alcohol or drug related license revocation on or before June 30, 2003 you must complete an ADSAC assessment and contact DPS to determine what recommendations you must follow.

  • If you have attended an alcohol and drug treatment program from an agency CERTIFIED BY ODMHSAS and want to submit treatment for consideration, please download the ADSAC cover form on this web site and either mail or fax it to the address listed with a copy of your completion certificate.
  • We strongly encourage you to not drop the form and certificates in person as we cannot guarantee that someone will be available to meet with you. If there is a need to discuss the information in person, an appointment can be made with Tammy Anderson, by calling (405) 248-9027.
  • Your certificate must state the length of time of the program and level of intensity of your program, examples: 10-hour school; outpatient counseling; residential treatment. If this information is not on the certificate, you must get a letter stating this information and attach it to the certificate.

For those offenders receiving an alcohol and drug related license revocation on or after July 1, 2003, you must obtain an ADSAC assessment and complete all recommendations identified by the assessment that are required for license reinstatement.

Oklahoma Department of Mental Health and Substance Abuse Services (ODMHSAS) works in close connection with Department of Public Safety (DPS) to implement and set forth standards and criteria, contained in DPS statute: Title 47 Chapter 6-212.2, for persons needing alcohol and drug assessments and evaluation related to driver s license revocation or suspension. ODMHSAS administrative rules are contained in Title 450 Chapter 22, Certification of Alcohol and Drug Assessment and Evaluations Related to Driver s License Revocation, effective September 1, 2016 and Title 450, Chapter 21, Certification of Alcohol and Drug Substance Abuse Courses (ADSAC), Organizations and Instructors, effective September 1, 2016.

For more information contact:
Tammy Anderson
ODMHSAS ADSAC Programs

(405) 248-9027
(405) 248-9324 Fax

Resources

Oklahoma Department of Mental Health and Substance Abuse Services
1200 NE 13th Street, PO Box 53277
Oklahoma City, OK 73152-3277
405-522-3908 | 405-522-3851 TDD | 405-522-3650 Fax | Toll-Free, 24 Hours 1-800-522-9054
Notice of Privacy Practices
to report a problem with this web page click here

Last Modified on 05/24/2017

2017 The State of Oklahoma



10 Websites Offering Free Online Teacher Education #teaching #masters #online, #10 #websites #offering #free #online #teacher #education


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10 Websites Offering Free Online Teacher Education

Free online courses in teacher education are offered by some real schools. Learn which teacher education courses are available, what topics they cover and which ones lead to college credit.

Credit-Granting Courses and Teacher Resources

All of Study.com’s online teacher education courses are available for one low monthly fee, and some can furnish you with college credit. You’ll also get access to all of our high school and college level video lessons, which you can play in your classroom and assign to students. Other teacher resources available include lesson plans, flashcards, and prep courses for key teaching certification exams – making Study.com one of the most feature-rich online teaching sites.

  • Credit-Granting Courses
    • Foundations of Education – learn about pioneers of education, the history of education in the United States, psychology’s affect on education, and more.
    • Educational Psychology – improve your understanding of motivation in learning, using assessments, developmental psychology in children and young adults, and related concepts.
  • Teacher Resources
    • Lesson Plans – Art. Music. Language Arts. Drama
    • Flashcards – Middle Ages. Famous Scientists. Pronouns

Common Core – Curriculum Standards – explore courses designed to help your students succeed in relation to common core standards within the subject areas of english and mathematics. These courses are meant for teachers of 8th through 12th grade.

We also offer video lessons to help you prepare for the following teacher certification exams:

Free Online Education Courses

Teachers will find a combination of courses, videos, seminars and supplemental materials from the following sources listed below. Some offer academic credit by paying a fee for taking the course or by taking an exam. Users should make sure that their computers have updated software in order to gain full access to videos and PDF files.

African Virtual University

The African Virtual University offers free online courses, but does not currently offer credit for completed courses. Students are able to access PDF and Microsoft Word files and completely access modules through Scribd.

  • Curriculum Studies explores the role that curriculum plays in learning. Students study how curriculum is determined and influenced from a historical, sociological, philosophical, psychological, political and technological standpoint.
  • Educational Research teaches online students how to identify and thoroughly resolve problems that may come up in education. Participants also learn how to evaluate others’ research and to justify one’s own.

Annenburg Learner

Annenburg Learner is a free online resource intended mainly for teachers. Credit is available for those who pay the appropriate tuition and fees when taking a course.

  • The Learning Classroom examines learning theories, as well as how people learn and process information. PDF files serve as support materials, as do videos. Writing assignments are included for those who want to pursue them, along with online forms provided for the purpose of organizing information. Class sessions include cognitive processing, metacognition and multiple intelligences.

Edutopia

Edutopia pulls in outside resources from universities and websites for users to take advantage of for free on the Edutopia website.

  • Teacher Development: Starter Kit for Teaching Online is a resource for teachers who want to learn how to teach online. As a first step, teachers are encouraged to take an online course so they can explore what online education is like. The resource also encourages doing online research and provides free online tools. Included in the course are sample teacher lessons and additional resources from universities and Web pages.

PBS Teachers

  • Teaching Evolution is a professional development course that offers teachers a way to teach evolution in modern society. The class can also be used as a guide for a professional development workshop. Following a timeline, the course breaks down into four themes: rise of evolution, evolution challenged, battle in the schools and reconciliation. Under each theme, users can click on links to learn about significant moments in time related to these themes. Also included are videos and print resources.

The Open University

The Open University offers free, non-academic credit courses, articles, videos and games.

  • Careers Education and Guidance uses interactive quizzes and other course materials to help teachers explore ways to guide students in career exploration and in finding additional career information as they plan their futures.
  • Using Film Music in the Classroom uses videos to teach potential instructors about the structure of composition, the connection between image and music and how to analyze film music. Both courses include activities and documents within lessons.

Thirteen Ed Online

Thirteen Ed Online offers numerous free workshops that allow educational professionals to learn at their own pace.

  • Cooperative and Collaborative Learning instructs teachers on enhancing the learning experience by showing students ways to work together in small groups in order to answer questions and complete projects. Through collaborative learning, students are allowed to strengthen weaker skills and share their strengths. In the workshop
  • Tapping Into Multiple Intelligences explores the nine intelligences, including musical, naturalist, interpersonal and existential intelligence. Included is a resource to help teachers who are taking the course to earn professional credit. Users will be able to both read about and watch examples of multiple intelligence.

University of California – Irvine

  • Building the Parent Teacher Connection is an hour-long video of a seminar that teaches viewers ways for parents and teachers to communicate with each other about assignment needs for gifted students. This course currently does not offer credit.
  • Gifted and Talented Education Seminar Series is a four-part webinar series focused on how to support gifted individuals. Seminar topics include common behaviors of gifted students and creating a parent/teacher connection.
  • What Differentiation Should Look Like is another non-credit seminar offered through a video roughly an hour in length. The seminar explores the need for core curriculum differentiation. Viewers are provided with examples.

University of Massachusetts at Boston

  • Early Education and Care in Inclusive Settings is a non-credit, online course that helps teachers learn ways to grade themselves in the fundamental competencies. These include knowing how young children grow and develop, child guidance and interaction, displaying professionalism and leadership, and five other areas. Users will utilize modules and will have access to supplementary links.

Utah State University

Utah State University offers OCW students the opportunity to earn credit by taking one of several possible exams including the CLEP (College-Level Examination Program) exam.

  • Intro to Instructional Design focuses on instructional technology and how it can be used as part of the teaching and learning process. Supplemental materials, such as PDF files and videos, are included.

The schools in the listing below are not free and may include sponsored content but are popular choices among our users. Tuition and costs will vary across programs and locations. Be sure to always request tuition information before starting a program.

An admission advisor from each school can provide more info about:

  • programs curriculum
  • career opportunities
  • tuition financial aid
  • admissions starting dates

1 Northcentral University

Minimum eligibility requirements:
  • Masters degree applicants must have a Bachelors degree
  • Doctorate degree applicants must have a Masters degree


10 Important Things To Consider When Getting A Mortgage Or Home Equity Loan #investment #loans


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10 Important Things To Consider When Getting A Mortgage Or Home Equity Loan

Finding the best home loan is not a job to be taken lightly. Here are 10 very important tips to consider before, during, and after the loan.

Looking For The Right Home Loan For You

  1. Mortgages are not commodities. If you think “it’s all about the rate”, you are going to be disappointed from the start. It’s really about finding a trusted partner help you navigate a complex transaction by offering honest advice and responsive support throughout the entire loan process.
  • Online is not the place to transact your biggest liability. Buy a music player, bid on sports equipment, order some books, but don’t do a mortgage over the internet. There are too many variables that arise throughout the process. This is not to say you should exclude the internet in your rate search, as there are reputable sites on the net which will help you find rates, calculate your potential loan, and provide other helpful information. I’m suggesting you shouldn’t work with an internet-only firm for your mortgage.
  • There are two types of mortgage lenders who advertise on the web and on the newspaper rate table. Ones you’ve heard of and ones you haven’t. Why do the major, well-known lenders generally quote higher rates? It could be they have higher cost structures. It could also be they are more reputable and provide a lot more service.
  • Generally, avoid interest-only loans. Unless you plan to move in a short period of time, or the loan is a short-term “bridge” or construction loan, avoid the “interest-only” loan. If you are only paying interest, you do not build up any ownership or equity in your home.
  • Are the fees reasonable?. Find out exactly what the loan will cost you. While some fees might not be avoidable, know that many fees are unnecessary “junk fees” or negotiable. Be sure to get a good faith estimate statement which shows your total expected fees. Some companies will include all the fees in the interest rate they quote you. Here are some fees to ask about:
    1. Application fee
  • Points (if you pay points, make sure your interest rate is reduced. A rule-of-thumb is to generally avoid paying any points if you plan to live in your home less than ten years)
  • Credit Evaluation
  • Loan Processing (these fees can be pretty arbitrary)
  • Appraisal Fee (cost to estimate the value of your home)
  • Title Search
  • Title Insurance (you have to pay to protect the lender. Always make sure the Title Insurance specifically protects you as well. It’s normal to pay more to protect your interests)
  • Documentation (these fees can be pretty arbitrary)
  • Underwriting (these fees can be pretty arbitrary)
  • Escrow Fee
  • Prepayment Penalty (the fee paid if you pay off your loan early)
  • The following fees are almost always “junk fees”: amortization schedule fee, trustee fee, financing statement fee, appraisal review fee, credit report review fee, document preparation fee, inspection fee, photo inspection fee, underwriting fee, warehousing fee, administrative fee, computer fee, courier fee, and overly high notary fees
  • When you ask about your interest rate, also ask about the APY (or Annual Percentage Rate) which is usually higher and a more accurate reflection of your true interest rate.

  • Generally, avoid adjustable rate loans. Adjustable rates can be attractive because the advertised rate is lower than a fixed rate. They generally allow you four payment options:
    1. minimum payment (NEVER make only a minimum payment. It won’t even cover the interest on your loan and can quickly lead to a situation where your home is worth less than your loan)
  • “interest only” payment (also not recommended. No money is going to pay down the loan or create home equity)
  • a fully amortized 15-year loan
  • a fully amortized 30-year loan
  • The later two are similar to traditional loans, except that your interest rate is adjustable.
    Here are three reasons to consider an adjustable rate.

    1. IF you know for certain interest rates can’t go up from current levels
  • the loan ceiling on the adjustable rate is below the current fixed rates
  • you plan to sell your home prior to the first rate adjustment

    Here are five questions to ask about your potential ARM rate. Adjustable rate loans often start with a “teaser rate”. This is an artificially low rate which will get adjusted higher at the first adjustment opportunity. If you do consider an adjustable rate, be sure to ask:

    1. what is the rate based upon (often a current T-bill or LIBOR rate plus an additional amount). Get complete details
  • what would be the rate today if you already had the loan and it adjusted to current levels
  • what is the floor (how low can the rate go from here)
  • what is the ceiling (what is the highest rate you would have to pay)
  • how often can the rate adjust.
  • Be sure you fully understand each of these parameters, and get them in writing. Note: if you can’t afford the loan ceiling and the fully amortized payment at that level, don’t accept the loan.

    Looking For The Right Home Loan For You

    1. The mortgage industry is unregulated. Mortgage brokers are not banks and don’t play by the same rules. There are countless stories of “bait and switch” with people being promised one thing and ending up with another at the closing table. You do not have to accept any last minute changes. While inconvenient, just walk away. (They are betting you won’t). Lets say you have found the rate and lender with which you wish to work. Here are twelve warning signs telling you to walk away from the loan. Any one is enough for you to terminate the loan right then and there.
      1. if the loan rep encourages you to borrow more than you need — walk away!
    2. if the loan rep prods you to overstate your income or understate your outstanding loans or expenses — walk away!
    3. if the loan rep tries to get you to agree to payments that you can’t afford — walk away!
    4. if the loan rep asks you to sign blank forms — walk away!
    5. if the loan rep won’t give you copies of every document you signed — walk away!
    6. if the loan rep fails to give you mandated disclosure documents — walk away!
    7. if the rep appears to pressure you — walk away!
    8. if the rep is unresponsive to your calls, is disorganized, repeatedly asks for the same documents, or is constantly blaming others for delays — walk away!
    9. if they try to sell you credit insurance or extra products you don’t want — walk away. (If you actually want the credit insurance, shop around to get the best rate)!
    10. if they try to make you do something that is against your better judgment — walk away!
    11. if they require you to deed your property to anyone — walk away!
    12. if the loan rep changes any of the terms of the loan at closing — run, don’t walk! Be aware that the further in the process you get — the more momentum builds — the tougher it is to back out. Dishonest lenders know this and are counting on it.
  • Generally, see if you can avoid paying for mortgage insurance. Some loans require mortgage insurance. Others will waive the insurance if you have a low enough debt-to-home equity ratio when you take out your loan. Most mortgage insurance protects the lender, not you.


  • 10 Best Drug Rehab Centers In Missouri #crossroads #drug #rehab, #10 #best #drug #rehab #centers #in #missouri


    10 Best Drug Rehab Centers In Missouri

    The search for the best rehab centers across the nation now brings us to Missouri. Several of these drug rehab centers in Missouri are unique in that they specialize in treating individuals who have been or still are serving time in state correctional facilities like jails and prisons. In order to rate the centers, we took into account criteria like staff, food and nutrition, overall experience, and effectiveness and, after ranking and filtering the list, now present the 10 best rehabs in Missouri.

    1. Northland Dependency Services, Kansas City

    (800) 506-5834 Talk To A Drugrehab.org Treatment Specialist Today

    Northland Dependency Services is a privately owned company with the goal of helping individuals achieve crime, drug, alcohol and violence free lifestyles. Their services include alcohol and drug evaluations, outpatient therapy, drug testing and a drug-free program. They also run Northland Correctional Services.

    2. Burrell Behavioral Health

    Burrell Behavioral Health is a not for profit organization with specialized services to treat those with drug and alcohol addictions. Their services include assessments and screenings, residential programs, outpatient programs, and detoxification 24 hours a day, 7 days a week, 365 days a year.

    3. Lafayette House, Joplin

    The drug and alcohol abuse services at Lafayette House provide three levels of treatment for women who are looking to recover from addiction. Women receiving treatment are allowed to bring their children, with preference being given to pregnant women. The different programs vary in their intensity and in their duration, lasting from 30 to 90 days.

    4. Gibson Recovery Center, Perryville

    Gibson Recovery Center gets its name from Allie Gibson, an individual who, long before there were drug rehab centers, welcome alcoholics into his home in an attempt to help them find sobriety and get their lives back together. SInce then, the organization has grown to provide, among other services, detoxification, residential treatment, outpatient treatment and services for dual diagnosis.

    5. The Crossroads Program, Chesterfield

    Originally called the Palmer Drug Abuse Program, The Crossroads Program offers drug and alcohol rehab services for teens and young adults. Their services include consultations and assessments, individual counseling, aftercare services, participation in 12 step programs, parental support groups and in-school support groups.

    6. Southeast Missouri Behavioral Health, Salem

    Southeast Missouri Behavioral Health is a clinic that provides services to individuals struggling with behavioral health issues including drug and alcohol addiction. Their clinical treatment programs include a variety of levels of services and are assigned to individuals according to their needs. Treatment may include medication, family therapy, community support and inpatient or outpatient therapy.

    7. Mending Hearts Recovery, Cape Girardeau

    Mending Hearts Recovery is a faith-based transitional housing facility for women. They help homeless women who have completed a drug and alcohol treatment program or have recently been released from the Department of Corrections. Women stay in the program from six months to a year and receive help through education, housing and mentoring.

    8. Northbound Treatment Services, St. Louis

    Northbound Treatment Services is a nationally recognized addiction treatment center that seeks to help those struggling with chemical dependency or co-occurring disorders. Treatment is holistic and individualized and strives to meet the unique physical, emotional and spiritual needs of the individual. Their treatments include those for men, women, working professionals, Christians and more.

    9. Gateway Foundation, St. Louis

    Gateway Foundation is a drug and alcohol abuse treatment facility that specializes in helping men, women and adolescents involved in the criminal justice system. Their program is unique in that it does not just serve those that have been released from jail or prison, but the individuals are actually treated while still in prison, jail, pre-release centers, day reporting centers, and other community correctional facilities.

    10. Harris House, St. Louis

    Harris House is a drug and alcohol addiction treatment center with five different types of treatment, which include traditional 28-day residential treatment, actively employed residential treatment, intensive outpatient treatment, long-term residential treatment and transitional housing. They have 111 beds grouped together by program in their seven buildings in South St. Louis.

    Missouri Counties Drug and Alcohol Rehabs

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    How to Get Government Interest Free Loan for up to 10 Years #loan #amortization #calculator


    #interest free loan
    #

    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.



    Windows Backup Software #windows #backup #software,windows #server #backup #software,windows #10 #backup #software,windows #data #backup #software,pc #backup #software,data #back #up #software,backup,back #up,fast,professional,search #engine #optimization,search #engine #optimization #software


    #

    Windows Server Backup Software

    GRBackPro Windows Server Backup Software

    GRBackPro is a Professional

    Windows Server backup software

    designed to easily back up your important data reliably and quickly. This top ranked business network Server backup software easily makes cost-effective Windows Server backup. This

    Windows backup software

    can run as a Service while no users are logged on making it perfect for a Windows Server installation. The integrated scheduler will runs your server backups with or without some specified conditions. It uses industry standard zip compression to save valuable disk space allowing you to use any zip compatible archiver to handle your backup set. An integrated Restore facility will allow you to restore all files, a subset of files, or even just a single file. This is a

    Windows server backup software

    solution for your business survival that will simplify your server data backup constrains.
    Do not waste your time searching for a fast Server backup software: you have already found it here!
    Learn more about this data Windows Server backup software product.

    Works on Windows Server 2012 R2/2012/2008/2003 – x86 and x64

    GRSoftware Windows Server Backup Software for Windows Server 2012 R2, 2012, 2008, 2003.
    Windows Server Windows Server Backup Software GRBackPro Professional Windows Server Backup Software Compressed and Fast http://www.grsoftware.net/backup/software/grbackpro_server.html

    Windows Backup Software

    GRBackPro Professional Windows Backup Software

    GRBackPro is a Professional data

    backup software for Windows

    designed to easily back up your data at a low price. This award winning network data backup software easily makes effective Windows backups. This

    backup software

    has an integrated scheduler that will automatically runs your backups with or without specified conditions. It supports standard zip compression to save valuable disk space and you can easily restore all files, a subset of files, or even just a single file using the integrated restore facility or with any zip compatible software. This is a

    backup software

    solution for your data survival that will improve and automate your backup routines.
    Do not waste your time searching for a fast backup software: you have already found it here!
    Learn more about this data backup software product.

    Works on Windows 10/8.1/8/7/Vista/XP – x86 and x64

    GRSoftware Backup Software for Windows 10, Windows 8.1, Windows 8, Windows 7 and Windows XP. Backup Software GRBackPro for Windows Workstation. Backup Software Automatic Network Professional Fast for Windows. http://www.grsoftware.net/backup/software/grbackpro.html

    GREmailRobot

    If you need to update or transfer some files from one computer to another but, for security reasons, you do not want to install any software that can open unwanted ports in your computer then

    Email Robot

    will solves this problem using email messages. You can easily zip your files and then create a custom email message so that the Email Robot software on the other computer can find and handle it the way you want. Optionally you can also execute a specified application that will process the received files. Of course this is not the only problem you can solve. Email Robot can automatically handle your email accounts the way you define with simple rules. The program can also be used as a backup software to receive your data from another computer using email transfers.
    This is an

    you definitely need to improve your business.
    Learn more about this product.

    Works on Windows 10/8.1/8/7/Server 2008/Vista/Server 2003/XP/2000/Server 2000 – x86 and x64

    Email Automation Software GRSoftware Email Robot email automation software for Windows. http://www.grsoftware.net/email/software/email_robot.html

    Email Preview software

    GREmail

    Are you tired of downloading unwanted SPAM messages, or do you wonder if a message is genuine? Here is an email preview program that will let you see the messages without the risk of being infected by viruses. GREmail will let you quickly classify the received messages based on rules YOU define. Each message can be colored differently and you can immediately tell if the message is wanted or not. This email software also lets you reply to messages, forward them, or highlight messages bigger than a specified size. This is a small footprint email client without message storage which will quickly handle less important messages. You can handle all your POP3 account with this utility, even those that require SSL or TLS.
    Learn more about this product.

    Works on Windows 10/8.1/8/7/Server 2008/Vista/Server 2003/XP/2000/Server 2000 – x86 and x64

    Email Preview Cilent Software small and quick Email Client with message preview email client software for Windows. http://www.grsoftware.net/email/software/gremail.html

    Search Engine Optimization Software

    GRSeo Search Engine Optimizer

    To do your search engine optimization easily, you need the help of this software. With this search engine optimization software you can easily check your HTML pages in order to verify if they will hurt the search engine robots. Stay updated with the latest in search engine changes as well as carefully check your HTML pages before you submit them to the major search engines. You need the

    for Windows to create better ranked web sites. We offer you a subscription service updated monthly.
    Learn more about this product.

    Works on Windows 10/8.1/8/7/Server 2008/Vista/2003/XP/2000/NT/ME/98/95

    GRSoftware Search Engine Optimization Software GRSeo Search Engine Optimizer Software for Windows Professional Search Engine optimization Software. http://www.grsoftware.net/search_engines/software/grseo.html

    Search Engine Optimization Software

    GRKda Keyword Density Analyzer

    Are you tired of trying

    search engine optimization software

    without success? If you are a serious webmaster or a Web site promoter, you absolutely need this

    search engine optimization software

    Put this unique piece of software in your tools collection. Win the Search Engine Optimization war using the best keyword density analyzer in your e-commerce enabled Web site.
    Learn more about this product.

    Works on Windows 10/8.1/8/7/Vista/2003/XP/2000/NT/ME/98/95

    GRSoftware Search Engine Optimization Software GRKda Keyword Density Analyzer Software for Windows Professional Keyword Density Analyzer Software. http://www.grsoftware.net/search_engines/software/grkda.html

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    Outlook is not responding, has stopped working, freezes or hangs #outlook #has #stopped #working, #outlook #is #not #responding, #windows #10


    #

    Outlook is not responding, has stopped working, freezes or hangs

    If you find that your Outlook has stopped working, is not responding, or freezes or hangs frequently on Windows 10/8/7, then this post suggests some troubleshooting steps you can try. While it is always a good idea to optimize speed up Outlook from time to time, you may at some time face this issue.

    Outlook is not responding

    1] Run Microsoft Outlook in Safe Mode. without add-ins. To do this, open Run box from the WinX Menu, type outlook /safe and hit Enter. If Outlook does not give you any problems, it is possible that one of its add-ins is creating problems. Take a look at your installed Outlook add-ins and disable them selectively, in order to find the offender.

    2] Disable hardware graphics acceleration for Outlook and see if this helps. To do this, open Outlook program File Options Mail Compose messages Editor Options button Advanced.

    Here under Display section, check the Disable hardware graphics acceleration box and click on OK/Apply and Exit. Restart your Outlook and see. If it makes the issue go away, then its probably some issue with your video driver. Update it and see.

    Hardware Acceleration uses computer’s hardware for performing a certain task and function faster than would be possible using a software. But this creates issues for some people. So turning it off is one thing you can try if you receive a Program not responding message.

    3] At time, your Outlook may be busy carrying out some other processes, like synchronizing your mail, archiving old items, etc. At such times, Outlook may respond slowly. In such situations, its best to let Outlook complete its task.

    4] If you have a huge Outlook data folder. then this can cause temporary freezes as Outlook takes time to open each mail or data folder. These Outlook data files may be either personal folders (.pst) files or offline folder (.ost) files.

    The expected behavior is as follows, dependimg on your .pst or .ost data file size.:

    • Up to 5 GB. Good user experience on most hardware.
    • 5 to 10 GB. If you have a fast hard disk and lots of RAM, your experience will good. On others you may experience application pauses till the drives respond.
    • 10 to 25 GB. When the .ost file touched this figure, expect frequent pauses on most hard disks.
    • 25 GB or larger. If your .ost file crosses this size, pauses or freezes may be expected, especially while you are downloading new email messages or synchronizing many RSS feeds.

    So if you can, delete your unwanted mail to reduce size and ensure that auto-archiving of old Outlook items is enabled.

    5] There is one more thing you could do. Microsoft has provided Inbox Repair Tool as well as a Fix It, which lets you recover folders and items from corrupted Personal Folders or .pst files. It can even recover items from offline folder or .ost files. The OST Integrity Check Tool will help you fix corrupted .ost files. Use the Inbox Repair Tool or Scanpst.exe to repair optimize your Outlook data.

    6] There are also a few command switches that can help you reset, restore or fix certain Outlook functions. Take a look at this post Troubleshoot Microsoft Outlook problems, to learn more about this.

    7] Use the he Microsoft Office Configuration Analyzer Tool . It provides a detailed report of your installed Office programs and highlights known problems.

    8] If you receive a Outlook has encountered a problem and needs to close error, cleaning your Outlook Profile is an option you can consider.

    9] This post will show you how to repair an Outlook account if your Outlook not syncing .

    If nothing helps, well, the options remaining are to repair the Office program or create a new User profile and see.



    Need a 10, 000 Dollar Personal Loan? Let – s Do The Math #refinance #rates


    #10000 loan
    #

    $10,000 Loan With a FICO of 700  APR 11%

    FICO = 700

    Loan = $10,000

    APR = 11%

    Term = 5 Years

    Interest per year on average = $559.062

    x 5 years interest = $2795.31

    Total gross amount to pay back the lender = $12795.31

    Monthly Installment Payment = $210.33

    You can see in this first example how much you are punished for having a bad credit rating. Over  the five year term you are almost paying back the entire loan in half again. In this case the $5,500 is a steep payment to make over 5 years. This is how banks make their money and this is how you loss your money. For our 10,000 dollar loan amount used in this example you can really see how a high interest rate can result in a serious windfall for the bank or lender. This is a prime reason why, if you can, you want to borrow the money from a family member or friend with no interest.

    For the next example we ll use a borrowing and lending scenario where the borrower has an excellent credit rating and relationship with the bank. Their current FICO score is a whopping 770 which most consumers will never have in their lifetime. For a credit score that good you need be a business owner or merchant that has carried substantial credit lines in the past and has done so for many years.

    $10,000 Loan With a FICO of 770 APR 3%

    FICO = 770

    Loan = $10,000

    APR = 3%

    Term = 5 Years

    Monthly Installments

    Interest per year on average = $152.472

    x 5 years interest = $762.36

    Total gross amount to pay back the lender = $10762.36

    Monthly Installment Payment = $176.92

    As you can see, this borrower gets a much better deal. It s all based on risk assessment by the lender in this case the bank. In this case it is most likely that the borrower will have some sort of LOC (line of credit) that is very close to prime, and sometimes lower than prime. This kind of borrower would likely never go to the bank for a relatively small $10,000 dollar loan. These borrowers would simply withdraw the 10,000 dollars from their LOC account and pay it all back in due time. To have a guaranteed LOC account you almost always have to have some sort of collateral in the form of equity. The $10,000 is completely secured by your equity as wrapped up in your LOC.

    For the 3rd example we ll use a credit score of 600 which many consumers and borrowers have these days. The calculation of numbers really explodes in these worse case examples, so hang to your hat this is going to get ugly.

    $10,000 Loan With a FICO of 600 APR 17%

    FICO = 600

    Loan = $10,000

    APR = 17%

    Term = 5 Years

    Monthly Installments

    Loan Calculation Results at 17%

    Total Amount to be payed: $14,320.02

    Total amount of interest $4,320.02



    10 financing options for cosmetic surgery #easy #cash #loans


    #cosmetic surgery loans
    #

    10 financing options for cosmetic surgery

    Getting a makeover isn’t cheap — so how do you pay for it?

    By Emma Johnson

    Most of life’s costlier occasions have prescribed financing options: buy a home, get a mortgage; send a kid to college, save in a 529 plan or get student loans; need a new car, sign a lease or take out a car loan.

    Break it down, and the figures are steep. The society reports that surgeon’s fees for breast augmentation cost about $3,600, nose jobs $4,300 and facelifts $6,700 (not including surgical facilities, anesthesia and other fees, which can add thousands more to the final bill).

    And insurance doesn’t typically pitch in to help. Consumers should be aware that cosmetic surgery is not covered under insurance, so all of the expenses must be paid out of pocket, says Kevin Kautzmann, a New York City certified financial planner. Only in rare instances, such as reconstructive surgery after an illness or accident, will insurance cover the costs.

    So what are your payment options?

    Consider Kathy Riffey, a Baltimore medical insurance analyst who recently lost 40 pounds. The resulting saggy skin caused her to seek a breast lift and implants, and she did not have $8,000 saved to pay for the plastic surgery procedures.

    With the aid of her plastic surgeon’s finance office, she chose one of the medical credit cards on the market. With an introductory 0 percent interest rate for six months, followed by a moderate rate hike, Riffey opted for a 24-month plan, for which the bill is just $167 per month. It was a lower interest rate than a credit card with better payment plan options, she says. And, as I pay it off, I can use the remaining credit for braces, which I plan to get.

    If you are considering plastic surgery, here are some payment methods to explore:

    1. Health care or medical credit cards

    Medical credit cards are the latest wrinkle in borrowing for beauty. Business is booming for the cards, which only cover medical expenses and are often offered as a financing option to cosmetic surgery patients.

    Pros: Health care credit cards often come with attractive 0 percent promotions, and some can have reasonable interest rates and payment plans. Since they are limited to medical expenses, they can lend a sense of control if you tend to overspend on regular credit cards, says Billy DeFrance, an El Paso, Texas, certified financial planner.

    Cons: There has been a spate of predatory lending allegations against health care card lenders, as well as lawsuits against medical providers who signed unknowing patients up for the cards. Sometimes the cards were marketed as having no interest, or the interest was applied retroactively to the entire balance rather than the remaining balance if a payment was missed or not paid off during the 0 percent introductory period. Also, medical providers may have received commissions from the card issuers for new cardholders or charged procedures to a patient’s card before they were performed. And if you miss a payment, the default APR can rise to 30 percent in some cases.

    Advice: Research the card and read the fine print. Do not pay for multiple procedures upfront — such as a series of Botox injections — but insist on paying as you go. A surgeon’s job is not to determine whether a patient can afford the procedures, but rather to communicate whether the procedures can achieve the patient’s goals, says Dr. Ariel Rad, director of aesthetic plastic surgery at Johns Hopkins School of Medicine in Baltimore. Patients should to take a step back after the consultation and ask: ‘What procedures do I really want or need?’ and ‘What amount can I really afford?’

    Top 5 cosmetic surgeries in 2014,

    plus surgeon’s fee



    Top 10 Personal Loans for People with Bad Credit #fha #home #loans


    #best loans for bad credit
    #

    Top 10 Personal Loans for People with Bad Credit

    Due to the increase in demand for bad credit loans, there are programs which have been especially designed to cater to those with bad credit ratings. Below is a list of ten possible options that you can look into if you have bad credit and is in need of a loan.

    1. Secured personal loans:

    Secured loans are offered at a lower interest rate and lower repayment terms. This is due to the lesser risk factor involved in a secured loan Since secured loans are usually obtained by putting up collateral.

    2. Unsecured personal loans:

    Unsecured loans are loans that do not require collateral, down payment or any type of security deposit. For those who do not have assets to use as collateral, then unsecured loans are your best option.

    3. Payday advance loans:

    Payday advance loans are the quickest type of loan to obtain, but have the highest personal loan rate.

    4. Car title personal loans:

    Car title personal loans are also the quickest type of personal loan for people with bad credit to get, but at a higher rate.

    5. Guaranteed Personal Loans:

    These loans often have very high interest, but are available to anyone, regardless of credit history. A job and a checking account are usually required. In most cases the funds are deposited to the borrowers’ checking account and the payments are then withdrawn from the borrower’s checking account.

    6. Education bad credit loans:

    Not sure how you are going to pay for college expenses, well an education loan might be your answer.

    7. Consolidation bad credit loans:

    Can help you to consolidate all your debts by paying them off with one single loan amount.

    8. Mortgage bad credit loans:

    Loans for home are known as mortgages. As a borrower you can make monthly installment payments on your mortgage.

    9. Credit Cards bad credit loans:

    Credit card loans are open-end installment loans, where you make monthly payments until the loan is paid off.

    10. Short Term bad credit loans:

    Short term installment loans of up to $1500, 00 can be yours in as little as hours. These installment loans are similar to payday loans but with the option to pay back the loan in smaller portion on your paydays until the loan are paid off.

    To get the most competitive rated and the best deals on your personal bad credit loans you will have to shop around. Putting in the hard work now can save you a substantial amount of money in the future. This is your chance to erase the past and rebuild your credit score. so consider all your options, the pros and cons and make the best choice for you. It is up to you the consumers to carefully research lenders in advance of applying for a personal bad credit loan so that you don’t get stuck with ridiculously high fees or impossible repayment terms. It’s also important to read all contracts and understand the terms before accepting any personal loans.



    Top 10 Credit Cards for People With Bad Credit #easy #cash #loans


    #bad credit cards
    #

    Top 10 Credit Cards for People With Bad Credit

    Shares & Saves

    Any FICO credit score of 599 or lower is classified as bad credit. It can be extremely difficult to obtain a credit card with scores that low. Consequently, if you find a credit card issuer willing to extend you credit, be prepared to pay higher interest rates and fees.

    Other People Are Reading

    Household Bank

    Household Bank offers a Mastercard for people with bad credit. Some may qualify for the unsecured card, while others might have to pay a security deposit to secure the card. The annual fee ranges from $39 to $79, and the interest rate is 7.9 percent to 14.9 percent.

    Household Bank offers a pre-screening service to determine (before pulling a credit report) the appropriate card for which you might qualify.

    Orchard Bank

    Orchard Bank is affiliated with Household Bank (HSBC owns both), but Orchard Bank’s credit guidelines are more lenient. The annual fee can be $35 to $79, and there is a processing fee that varies between $0 and $39. The interest rate is between 14.9 percent and 28.9 percent.

    Orchard Bank also offers a secured card. Generally, you can’t have both an Orchard and a Household card at the same time.

    orchardbank.com

    Capital One

    Capital One offers secured and unsecured Mastercards for qualified applicants, along with a pre-screening process. The card’s annual fee runs between $0 and $39, with interest rates between 19.8 and 24.9 percent.

    capitalone.com/creditcards

    Public Savings Bank

    The Public Savings Bank secured Visa has neither an annual fee nor monthly maintenance fees. You set the credit limit with a deposit between $300 and $2,000. The bank offers a 0 percent APR for six months, after which the APR goes to 11.24 percent. The bank reports to credit bureaus monthly.

    publicbankcard.com

    Applied Bank

    The Applied Bank secured Visa allows you to choose your limit by depositing between $200 and $500. The APR is 12.99 percent and doesn’t increase if your payments are late. Applied Bank reports to credit bureaus every month.

    onlineacceptance2.appliedbank.com

    Platinum Zero

    The Platinum Zero secured Visa card is also issued by Applied Bank. The credit limit is $500, secured by your deposit. There is no APR, zero fraud liability and identity-theft protection. Applied Bank reports to credit bureaus monthly.

    onlineacceptance.appliedbank.com

    Centennial

    The Centennial secured Mastercard requires a minimum $200 deposit. The bank charges a set-up fee of $50 and an annual fee of $50. The APR is 19.99 percent, with penalties for late payments. Reports are made to credit bureaus each month.

    centennialsecured.com

    GreenDot Prepaid Mastercard

    Rush

    The prepaid Visa Rush card doesn’t require a credit check. The activation fee is less than $20, and the monthly fee is $9.95. You can opt for direct deposit to the card or load the card with money, as needed. There is no APR. This card doesn’t report payment history to credit bureaus.

    rushcard.com

    First Premier Bank

    First Premier Bank issues a few unsecured cards: Aventium Classic Card, the First Premier Mastercard and the Centennial Mastercard. The lender has lenient credit requirements, but it also has high fees.

    The bank may require you to pay $95 before it processes your application. If you aren’t approved, your money is refunded. The interest rate varies. First Premier Bank usually charges around $225 for maintenance and set-up when you open the account, with a typical credit limit of $300. This leaves only $75 of available credit. As a result, many people decide that a secured card is a better option.



    10 questions on joint home loans answered! #apply #for #a #loan #online


    #joint loans
    #

    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



    10 Traps to Avoid When Taking out a Personal Unsecured Loan – Lending Club Blog #bad #credit #loans #online


    #unsecured personal loan
    #

    10 Traps to Avoid When Taking out a Personal Unsecured Loan

    The following is a guest post by Neil Faulkner, freelance journalist.  This article was originally posted on and adapted for US audiences with permission from lovemoney.com. a popular money management online publication in the UK.

    Taking out a new loan can be a dangerous endeavor. Here are the ten costliest traps to watch out for when taking out an unsecured personal loan.

    Unsecured personal loans are the simplest products there is, but the finance industry still manages to squeeze in a good number of extra ways to make money from you. I ve counted many traps so, before you buy, read here for what I think are the biggest ten:

    1. Small and fleeting

    The temptation with loans, particularly if they re being actively sold to you, is to go for an even bigger sum than you first thought. What s more, the lender will often convince you to drag out the loan for longer to reduce the monthly repayments. They re not being helpful; they re trying to earn more money over a longer time frame. When you pay debt interest, you ll never get it back, so you want to make the loan as short and small as possible to keep down those costs.

    2. Fix it

    Most personal loans have fixed interest rates, but you do have to watch out for the occasional variable rate loan. Look for the word fixed .

    3. Compare the TAR, not the APR.

    The annual percentage rate or APR (e.g. 16% APR ) is meant to be a standard way of comparing the cost of a loan over a year. However, the APR can be manipulated by the lender, so the best way to compare the cost of a loan is to look at the total amount repayable or TAR. This is the total cost including interest and charges that you will pay from your first payment to your last. You should also ensure that you can afford the monthly payment.

    4. It s not all about cost

    It s the total cost – the TAR – that is the most important figure. However, you also want to know if this includes charges other than interest, such as an origination fee.  When comparing loans, make sure you include the origination fees charged by all options you are considering.

    6. Consider alternatives

    You should compare an unsecured loan with your most likely alternatives. The first and best, if possible, is saving up to buy later, but otherwise you can use credit cards to get a short term low interest rate.  If you have good credit scores, you can also score lower rates going to peer-to-peer lending sites like LendingClub.com in the US or Zopa.com in the UK.

    If you use a personal loan to pay off other debts, ensure you cut up any existing credit cards and close the accounts. Avoid the temptation of using your debt-free credit cards and rack up more debts on them.  You will regret it.



    10, 000 Car Loans – Keystone Auto Loans #small #loans #without #credit #checks


    #10000 loan
    #

    $10,000 Car Loans

    When it comes to auto loans under $10,000, you ve come to the right place.

    We ll match you with the provider who is most suitable for you, given your location, your earnings, credit ratings, amount you borrow ($10,000), first payment, and other variables.

    Our network extends across the US, and it includes all types of lenders: banks, dealerships, and auto financing providers. We have a bank or investment company willing to offer you the $10,000 car loan you need, and we can help you find it.

    Auto Loans Under $10,000: Tips

    Any time buying a $10,000 car or truck, you should offer a payment in advance. How much? Well, 10 to 20% is suggested, meaning $1,000 $2,000.

    With that being said, many loan companies can grant car loans for $10,000 with zero down payment, and others simply ask for a five hundred dollar flat fee. Please indicate what amount of money down you can offer if you apply online .

    Car Loans For a $10,000 Car: Monthly Installments

    Needless to say, all of us want to determine how much the payments will be. Here is how it is: your payments will depend on your interest rates and credit history, as well as the amount of the loan.

    For a 48 used car auto loan of $10,000, you should be expecting to pay about $230 to $245 monthly with a good credit record, $250 to $275 with average credit, and $300 to $315 with a bad credit score. Without doubt, your credit ranking influences your monthly payments almost as much as the amount borrowed does.



    10 financing options for cosmetic surgery #bankruptcy #loans


    #cosmetic surgery loans
    #

    10 financing options for cosmetic surgery

    Getting a makeover isn’t cheap — so how do you pay for it?

    By Emma Johnson

    Most of life’s costlier occasions have prescribed financing options: buy a home, get a mortgage; send a kid to college, save in a 529 plan or get student loans; need a new car, sign a lease or take out a car loan.

    Break it down, and the figures are steep. The society reports that surgeon’s fees for breast augmentation cost about $3,600, nose jobs $4,300 and facelifts $6,700 (not including surgical facilities, anesthesia and other fees, which can add thousands more to the final bill).

    And insurance doesn’t typically pitch in to help. Consumers should be aware that cosmetic surgery is not covered under insurance, so all of the expenses must be paid out of pocket, says Kevin Kautzmann, a New York City certified financial planner. Only in rare instances, such as reconstructive surgery after an illness or accident, will insurance cover the costs.

    So what are your payment options?

    Consider Kathy Riffey, a Baltimore medical insurance analyst who recently lost 40 pounds. The resulting saggy skin caused her to seek a breast lift and implants, and she did not have $8,000 saved to pay for the plastic surgery procedures.

    With the aid of her plastic surgeon’s finance office, she chose one of the medical credit cards on the market. With an introductory 0 percent interest rate for six months, followed by a moderate rate hike, Riffey opted for a 24-month plan, for which the bill is just $167 per month. It was a lower interest rate than a credit card with better payment plan options, she says. And, as I pay it off, I can use the remaining credit for braces, which I plan to get.

    If you are considering plastic surgery, here are some payment methods to explore:

    1. Health care or medical credit cards

    Medical credit cards are the latest wrinkle in borrowing for beauty. Business is booming for the cards, which only cover medical expenses and are often offered as a financing option to cosmetic surgery patients.

    Pros: Health care credit cards often come with attractive 0 percent promotions, and some can have reasonable interest rates and payment plans. Since they are limited to medical expenses, they can lend a sense of control if you tend to overspend on regular credit cards, says Billy DeFrance, an El Paso, Texas, certified financial planner.

    Cons: There has been a spate of predatory lending allegations against health care card lenders, as well as lawsuits against medical providers who signed unknowing patients up for the cards. Sometimes the cards were marketed as having no interest, or the interest was applied retroactively to the entire balance rather than the remaining balance if a payment was missed or not paid off during the 0 percent introductory period. Also, medical providers may have received commissions from the card issuers for new cardholders or charged procedures to a patient’s card before they were performed. And if you miss a payment, the default APR can rise to 30 percent in some cases.

    Advice: Research the card and read the fine print. Do not pay for multiple procedures upfront — such as a series of Botox injections — but insist on paying as you go. A surgeon’s job is not to determine whether a patient can afford the procedures, but rather to communicate whether the procedures can achieve the patient’s goals, says Dr. Ariel Rad, director of aesthetic plastic surgery at Johns Hopkins School of Medicine in Baltimore. Patients should to take a step back after the consultation and ask: ‘What procedures do I really want or need?’ and ‘What amount can I really afford?’

    Top 5 cosmetic surgeries in 2014,

    plus surgeon’s fee



    Top 10 Personal Loans for People with Bad Credit #amortized #loan #calculator


    #best loans for bad credit
    #

    Top 10 Personal Loans for People with Bad Credit

    Due to the increase in demand for bad credit loans, there are programs which have been especially designed to cater to those with bad credit ratings. Below is a list of ten possible options that you can look into if you have bad credit and is in need of a loan.

    1. Secured personal loans:

    Secured loans are offered at a lower interest rate and lower repayment terms. This is due to the lesser risk factor involved in a secured loan Since secured loans are usually obtained by putting up collateral.

    2. Unsecured personal loans:

    Unsecured loans are loans that do not require collateral, down payment or any type of security deposit. For those who do not have assets to use as collateral, then unsecured loans are your best option.

    3. Payday advance loans:

    Payday advance loans are the quickest type of loan to obtain, but have the highest personal loan rate.

    4. Car title personal loans:

    Car title personal loans are also the quickest type of personal loan for people with bad credit to get, but at a higher rate.

    5. Guaranteed Personal Loans:

    These loans often have very high interest, but are available to anyone, regardless of credit history. A job and a checking account are usually required. In most cases the funds are deposited to the borrowers’ checking account and the payments are then withdrawn from the borrower’s checking account.

    6. Education bad credit loans:

    Not sure how you are going to pay for college expenses, well an education loan might be your answer.

    7. Consolidation bad credit loans:

    Can help you to consolidate all your debts by paying them off with one single loan amount.

    8. Mortgage bad credit loans:

    Loans for home are known as mortgages. As a borrower you can make monthly installment payments on your mortgage.

    9. Credit Cards bad credit loans:

    Credit card loans are open-end installment loans, where you make monthly payments until the loan is paid off.

    10. Short Term bad credit loans:

    Short term installment loans of up to $1500, 00 can be yours in as little as hours. These installment loans are similar to payday loans but with the option to pay back the loan in smaller portion on your paydays until the loan are paid off.

    To get the most competitive rated and the best deals on your personal bad credit loans you will have to shop around. Putting in the hard work now can save you a substantial amount of money in the future. This is your chance to erase the past and rebuild your credit score. so consider all your options, the pros and cons and make the best choice for you. It is up to you the consumers to carefully research lenders in advance of applying for a personal bad credit loan so that you don’t get stuck with ridiculously high fees or impossible repayment terms. It’s also important to read all contracts and understand the terms before accepting any personal loans.



    How to Get Government Interest Free Loan for up to 10 Years #federal #loan #consolidation


    #interest free loan
    #

    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.



    10 questions on joint home loans answered! #low #interest #personal #loans


    #joint loans
    #

    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



    10 questions on joint home loans answered! #instant #payday #loan


    #joint loans
    #

    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



    10 Colleges That Leave Graduates with the Most Student Loan Debt – US News #consolidation


    #loans for college
    #

    10 Colleges That Leave Graduates with the Most Student Loan Debt

    The average debt load for borrowers in the class of 2013 was $27,670, according to U.S. News data.

    The U.S. News Short List, separate from our overall rankings, is a regular series that magnifies individual data points in hopes of providing students and parents a way to find which undergraduate or graduate programs excel or have room to grow in specific areas. Be sure to explore The Short List: College. The Short List: Grad School and The Short List: Online Programs to find data that matter to you in your college or grad school search.

    Student loans get a bad rap.

    They have been compared to the mortgage crisis. and blamed for causing mental problems and stunting graduates’ financial growth.

    In fact, in a survey of 16- to 19-year-olds by Northeastern University. 25 percent said that no amount of student loan debt is manageable.

    Those teens are in for a rude awaking.

    Among the class of 2013, the average debt load for borrowers was $27,670, according to 1,027 ranked schools reporting debt data to U.S. News.

    If students were paying 6 percent rate on that debt, $27,670 would translate into a little more than $300 per month over the standard 10-year repayment plan, according to an online repayment calculator. Interest rates on student loans, especially private ones, can vary.

    On average, 68 percent of 2013 graduates borrowed to attend school, according to the 1,041 ranked schools reporting that figure to U.S. News.

    The school that left the class of 2013 in the most debt was St. Francis University, tied at No. 56 in the Regional Universities (North) rankings.

    The nearly 88 percent of St. Francis students who borrowed graduated with an average $50,275 in loans. That would work out to nearly $600 in monthly payments over the 10-year repayment plan, assuming a 6 percent interest rate.

    [Read more tips and advice on paying for college. ]

    Below is a list of the 10 universities where graduates who borrowed took on the most student loan debt. Unranked schools, which did not meet certain criteria required by U.S. News to be numerically ranked, were not considered for this report.



    How Much Interest Do You Have to Pay on a $10, 000 Loan? #home #equity #loans


    #10000 loan
    #

    How Much Interest Do You Have to Pay on a $10,000 Loan?

    The amount of interest that accumulates on a $10,000 loan depends on several factors, including the interest rate and the repayment terms.

    Other People Are Reading

    Simple Interest

    A simple interest loan charges interest only on the principal balance. that is, the amount of the original loan still outstanding. To calculate simple interest on a $10,000 loan, use the following formula:

    Where I is the accumulated interest, r is the annual interest rate and t is the length of the loan, expressed as a fraction of a year.

    As an example, if your annual interest rate was 6 percent, multiply $10,000 by 0.06 to calculate the interest of $600 in a year. If the loan was only for three months, however, multiply that result by ¼ to calculate the quarter’s simple interest of $150. If it were a 5-year loan, multiply $600 by 5 to get $3,000. In this case, the fraction was the whole number 5.

    Compound Interest

    A compound interest loan charges interest on the principal balance and any interest already accumulated. To calculate the amount of compound interest on your loan, use the formula:

    Ic = $10,000 (1 + (r / n))^(n t) – $10,000

    Where n is the number of periods in a year. The other variables are the same as in the simple interest formula.

    If the example’s 5-year loan compounded monthly, divide the annual interest rate of 0.06 by 12 to calculate the monthly interest rate of 0.005. Add 1 to that number and raise the result to the total number of periods, calculated by multiplying 12 periods per year times 5 years, which is 60. Multiply the resulting 1.3489 times $10,000 to get the total due of $13,489. Finally, subtract the original $10,000 principal to calculate the interest of $3,489. As you can see, compound interest has the potential to significantly increase the amount of accumulated interest when compared to simple interest.

    Annuities With Monthly Payments

    Most lenders, such as those issuing car loans or mortgages, expect regular monthly payments that include interest and principal payments. These regular monthly payments function like an annuity . Because you’re reducing the principal balance every month, the amount of interest that accumulates is likewise reduced. To determine the interest accumulated on a $10,000 loan, first calculate the monthly payments using the formula:

    PMT = ($10,000 (r / 12)) / (1 – (1 + r / 12) ^ (-12 n))

    By plugging in your data, you derive the monthly payment of $193.33. With that, you can calculate the total interest paid at the end of the loan using the formula:

    Thus, $193.33 times 60 payments equals $11,600. Subtracting the original loan amount leaves you with the interest of $1,600. Although an annuity employs compound interest, the total interest paid is less than even simple interest, because you’re constantly reducing the principal.

    To reduce interest further, consider making additional payments to principal early in the loan. The more you can reduce the principal balance, the less interest is subsequently charged. That is true for simple interest, compound interest and annuity loans.

    Interest Rate

    The amount of interest you ultimately pay depends on the interest rate. Higher interest rates will add more interest to your payoff than lower interest rates. To get an idea how much interest rates affect your loan, consider these examples of the total interest you’ll pay for each type of 5-year, $10,000 loan:

    • A 1 percent interest rate accumulates $500 in simple interest, $512 in compound interest or $256 in annuity interest.
    • A 10 percent interest rate accumulates $5,000 in simple interest, $6,453 in compound interest or $2,748 in annuity interest.
    • A 30 percent interest rate accumulates $15,000 in simple interest, $33,998 in compound interest or $9,412 in annuity interest.


    10, 000 Car Loans – Keystone Auto Loans #quick #loans


    #10000 loan
    #

    $10,000 Car Loans

    When it comes to auto loans under $10,000, you ve come to the right place.

    We ll match you with the provider who is most suitable for you, given your location, your earnings, credit ratings, amount you borrow ($10,000), first payment, and other variables.

    Our network extends across the US, and it includes all types of lenders: banks, dealerships, and auto financing providers. We have a bank or investment company willing to offer you the $10,000 car loan you need, and we can help you find it.

    Auto Loans Under $10,000: Tips

    Any time buying a $10,000 car or truck, you should offer a payment in advance. How much? Well, 10 to 20% is suggested, meaning $1,000 $2,000.

    With that being said, many loan companies can grant car loans for $10,000 with zero down payment, and others simply ask for a five hundred dollar flat fee. Please indicate what amount of money down you can offer if you apply online .

    Car Loans For a $10,000 Car: Monthly Installments

    Needless to say, all of us want to determine how much the payments will be. Here is how it is: your payments will depend on your interest rates and credit history, as well as the amount of the loan.

    For a 48 used car auto loan of $10,000, you should be expecting to pay about $230 to $245 monthly with a good credit record, $250 to $275 with average credit, and $300 to $315 with a bad credit score. Without doubt, your credit ranking influences your monthly payments almost as much as the amount borrowed does.



    Top 10 Student Loan Consolidation Services of 2016 #loan #today


    #school loan consolidation
    #

    Student Loan Consolidation Services Review

    If you re struggling with (and sinking under) payments for a number of federal student loans, you can apply to the Department of Education for a Direct Consolidation Loan. This type of loan allows students who have graduated to combine multiple student loans into a single loan, with a single monthly payment and one interest rate one that may even be lower than those for the original loans. If you have private loans, say from a bank or college, you are not eligible for a Direct Consolidation Loan, even if you obtained your private loan to finance your education.

    You can apply for a Direct Consolidation Loan yourself, using the Department of Education s StudentLoans.gov website. However, if you have already defaulted on loans you will instead need to apply at the Department of Education s Direct Consolidation Loan website. The application process is manageable, especially for those who themselves successfully applied for the original loans. But it does require more time and patience than you may have at hand, especially if you are working.

    Enter services such as National Debt Relief. The Student Loan Clinic and USA Student Loans that provide assistance throughout the entire process. For a fee of $500 and up, sometimes plus monthly payments, you provide the company with your information, and professionals fill out and file all paperwork to the Department of Education. Our articles about student loan consolidation assistance can help you understand more about these services and how you can better manage your own financial situation.

    Many of the best services also act as a liaison between you and the Department of Education, so any problems or issues with your application and paperwork are handled through the company first. Furthermore, after you consolidate your student loans, you will be required to provide the Department of Education with yearly updates regarding your income and family status. These companies may also file that information in a timely manner for you.

    However, be cautious when choosing a company to provide loan consolidation assistance. Some companies are simply advertising and marketing services that provide information but do not actually offer loan consolidation assistance. In addition, the company may gather personal information beyond that needed for the application itself. When going through the application process, you will provide much personal data, including Social Security numbers, FAFSA numbers and bank information. Look carefully at each company s privacy statement to ensure it lists the exact information it will collect from you and to ensure it will not sell your personal information to any third party.

    Student Loan Consolidation Services: What to Look For

    When looking for the best company to assist you throughout the consolidation process, you want a business that will not charge you numerous fees, will assist with all possible paperwork and takes your privacy seriously.



    Top 10 tips for shopping for online loans #school #grants


    #online loan
    #

    About

    This isn’t your father’s banker. Your father’s banker was probably human. Today, you can get online loans without ever stepping into a bank — actually, without even leaving your home. But that facelessness can be either convenient or dangerous. You need to be cautious when shopping for online loans, so you find a legitimate online loan provider and not a scam artist trying to take rather than give you money.

    Here are the top 10 tips for getting online loans.

    Online Loans Tip #1. Make the most of online advantages. One of the biggest benefits of shopping for online loans is you can easily compare rates and offerings and get qualified and approved quicker than from traditional banks.

    Online Loans Tip #2: Decide what you want from your online loans. Whether you want a low APR, a low monthly payment or someone to give you an online loan despite your lower than average credit score, determine your priorities and shop accordingly.

    Online Loans Tip #3. Be savvy about getting “poor credit” loans online. Online loans can be a great option if you have less-than-stellar credit, because online lenders tend to take on higher risk loans. However, they do charge more for them, and this market is ripe with red flags: hidden fees, excessively high rates and super high points. So if you have credit issues, this could be your opportunity to get decent rates if you are extra careful about working with a legitimate online lender.

    Online Loans Tip #4: Look into online peer to peer loan sites. Online loan sites like Kiva. MicroPlace. Prosper.com. Zopa, Lending Club and GlobeFunder are examples of sites fueling the peer to peer online loan trend. The online loans they provide are usually microloans, so the loan amounts might be smaller, but terms and rates of these online loans tend to be better than those offered by other banks and credit cards.

    Online Loans Tip #5. Do NOT use online payday loan sites.These online loans, which are due on your next payday, can charge fees of up to $30 for each $100 borrowed and APRs of a crazy 650%. Also, you usually have to provide your checking account information to these online sites, which puts you at even more risk. These payday online loans may automatically renew loans and withdraw fees from your checking account every payday, and if you don’t have enough to cover the fees, you’re hit with insufficient funds fees from both the payday online lender and your bank. No matter how cash-strapped you are, don’t touch these online loans.

    Online Loans Tip #7. Make a stop at the Web sites of brick-and-mortar banks. Bank of America. for example, is a direct lender site where you can get information about its loan products online, but to get complete information on its loans, you’ll need to call or go to the bank in person.

    Online Loans Tip #8: Put your online loan on the block at auction sites. At online loan auction sites, such as LendingTree.com. GetSmart.com, you submit a loan application online and lenders compete for your business. Some of those competing are subprime lenders, so you can still apply if you don’t have perfect credit. It usually takes a day or so to see who has bid on your online loan.

    Online Loans Tip #9. Check out multilender shopping sites. At online loan sites like eloan.com and loanshop.com. you enter information such as loan amount and property details to find out current rates, APR and points from several lenders. If you see an online loan you like, you can choose to fill out an application — these sites will then process the documentation and forward the online loan paperwork to the lender. However, be careful when you go this route — some dissatisfied customers say lenders have treated them like second class online loan citizens.

    Online Loans Tip #10: Make security a priority. Do not transmit your Social Security number, bank numbers, or other personal financial information to any online companies you do not know. And be twice as diligent with online loans as you would with a face-to-face loan — be careful of online loan sites that use bait-and-switch games and teaser rates, and read all the fine print.



    2015 Top 10 Best Payday Loan Lenders in the USA #how #to #pay #off #debt


    #payday loans direct lenders
    #

    Page not found

    Copyright 2015 Top10PaydayLenders.com. All Rights Reserved.

    ** The operator of this site is not a direct lender. Not all of our lending partners loan $10,000 at any one time. Depending on your state, credit rating and other underwriting factors you may or may not qualify for a premium loan. We will seek out lenders as high as $10,000 with our built in loan finder. For more information see our Privacy Policy. **Residents of Arkansas, Arizona, Georgia, New York, North Dakota, Oregon, and West Virginia are not eligible to apply for a cash advance.

    Since we are part of a lending network and not a lender, we are not able to accurately represent the exact APR that your lender may offer.

    The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs, and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.

    NOTICE: THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.

    If you do not pay your loan according to its terms, your lender may:

      Charge you late fees Send your account to a collection agency Report your information to a consumer reporting agency, which may negatively affect your credit score Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest

    Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.



    10 Good Reasons to Get a Personal Loan – JoeTaxpayer #small #loans #online


    #best personal loan
    #

    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] [ ]



    10 steps to a great deal on a new-car loan #bad #credit #cash #loans


    #loan deals
    #

    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 .



    How to Get a $10, 000 Personal Loan #bank #loan


    #10000 loan
    #

    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.



    10 Important Things To Consider When Getting A Mortgage Or Home Equity Loan #plus #loans


    #getting a loan
    #

    10 Important Things To Consider When Getting A Mortgage Or Home Equity Loan

    Finding the best home loan is not a job to be taken lightly. Here are 10 very important tips to consider before, during, and after the loan.

    Looking For The Right Home Loan For You

    1. Mortgages are not commodities. If you think “it’s all about the rate”, you are going to be disappointed from the start. It’s really about finding a trusted partner help you navigate a complex transaction by offering honest advice and responsive support throughout the entire loan process.
  • Online is not the place to transact your biggest liability. Buy a music player, bid on sports equipment, order some books, but don’t do a mortgage over the internet. There are too many variables that arise throughout the process. This is not to say you should exclude the internet in your rate search, as there are reputable sites on the net which will help you find rates, calculate your potential loan, and provide other helpful information. I’m suggesting you shouldn’t work with an internet-only firm for your mortgage.
  • There are two types of mortgage lenders who advertise on the web and on the newspaper rate table. Ones you’ve heard of and ones you haven’t. Why do the major, well-known lenders generally quote higher rates? It could be they have higher cost structures. It could also be they are more reputable and provide a lot more service.
  • Generally, avoid interest-only loans. Unless you plan to move in a short period of time, or the loan is a short-term “bridge” or construction loan, avoid the “interest-only” loan. If you are only paying interest, you do not build up any ownership or equity in your home.
  • Are the fees reasonable?. Find out exactly what the loan will cost you. While some fees might not be avoidable, know that many fees are unnecessary “junk fees” or negotiable. Be sure to get a good faith estimate statement which shows your total expected fees. Some companies will include all the fees in the interest rate they quote you. Here are some fees to ask about:
    1. Application fee
  • Points (if you pay points, make sure your interest rate is reduced. A rule-of-thumb is to generally avoid paying any points if you plan to live in your home less than ten years)
  • Credit Evaluation
  • Loan Processing (these fees can be pretty arbitrary)
  • Appraisal Fee (cost to estimate the value of your home)
  • Title Search
  • Title Insurance (you have to pay to protect the lender. Always make sure the Title Insurance specifically protects you as well. It’s normal to pay more to protect your interests)
  • Documentation (these fees can be pretty arbitrary)
  • Underwriting (these fees can be pretty arbitrary)
  • Escrow Fee
  • Prepayment Penalty (the fee paid if you pay off your loan early)
  • The following fees are almost always “junk fees”: amortization schedule fee, trustee fee, financing statement fee, appraisal review fee, credit report review fee, document preparation fee, inspection fee, photo inspection fee, underwriting fee, warehousing fee, administrative fee, computer fee, courier fee, and overly high notary fees
  • When you ask about your interest rate, also ask about the APY (or Annual Percentage Rate) which is usually higher and a more accurate reflection of your true interest rate.

  • Generally, avoid adjustable rate loans. Adjustable rates can be attractive because the advertised rate is lower than a fixed rate. They generally allow you four payment options:
    1. minimum payment (NEVER make only a minimum payment. It won’t even cover the interest on your loan and can quickly lead to a situation where your home is worth less than your loan)
  • “interest only” payment (also not recommended. No money is going to pay down the loan or create home equity)
  • a fully amortized 15-year loan
  • a fully amortized 30-year loan
  • The later two are similar to traditional loans, except that your interest rate is adjustable.
    Here are three reasons to consider an adjustable rate.

    1. IF you know for certain interest rates can’t go up from current levels
  • the loan ceiling on the adjustable rate is below the current fixed rates
  • you plan to sell your home prior to the first rate adjustment

    Here are five questions to ask about your potential ARM rate. Adjustable rate loans often start with a “teaser rate”. This is an artificially low rate which will get adjusted higher at the first adjustment opportunity. If you do consider an adjustable rate, be sure to ask:

    1. what is the rate based upon (often a current T-bill or LIBOR rate plus an additional amount). Get complete details
  • what would be the rate today if you already had the loan and it adjusted to current levels
  • what is the floor (how low can the rate go from here)
  • what is the ceiling (what is the highest rate you would have to pay)
  • how often can the rate adjust.
  • Be sure you fully understand each of these parameters, and get them in writing. Note: if you can’t afford the loan ceiling and the fully amortized payment at that level, don’t accept the loan.

    Looking For The Right Home Loan For You

    1. The mortgage industry is unregulated. Mortgage brokers are not banks and don’t play by the same rules. There are countless stories of “bait and switch” with people being promised one thing and ending up with another at the closing table. You do not have to accept any last minute changes. While inconvenient, just walk away. (They are betting you won’t). Lets say you have found the rate and lender with which you wish to work. Here are twelve warning signs telling you to walk away from the loan. Any one is enough for you to terminate the loan right then and there.
      1. if the loan rep encourages you to borrow more than you need — walk away!
    2. if the loan rep prods you to overstate your income or understate your outstanding loans or expenses — walk away!
    3. if the loan rep tries to get you to agree to payments that you can’t afford — walk away!
    4. if the loan rep asks you to sign blank forms — walk away!
    5. if the loan rep won’t give you copies of every document you signed — walk away!
    6. if the loan rep fails to give you mandated disclosure documents — walk away!
    7. if the rep appears to pressure you — walk away!
    8. if the rep is unresponsive to your calls, is disorganized, repeatedly asks for the same documents, or is constantly blaming others for delays — walk away!
    9. if they try to sell you credit insurance or extra products you don’t want — walk away. (If you actually want the credit insurance, shop around to get the best rate)!
    10. if they try to make you do something that is against your better judgment — walk away!
    11. if they require you to deed your property to anyone — walk away!
    12. if the loan rep changes any of the terms of the loan at closing — run, don’t walk! Be aware that the further in the process you get — the more momentum builds — the tougher it is to back out. Dishonest lenders know this and are counting on it.
  • Generally, see if you can avoid paying for mortgage insurance. Some loans require mortgage insurance. Others will waive the insurance if you have a low enough debt-to-home equity ratio when you take out your loan. Most mortgage insurance protects the lender, not you.


  • 10, 000 Car Loans – Keystone Auto Loans #personal #loan #companies


    #10000 loan
    #

    $10,000 Car Loans

    When it comes to auto loans under $10,000, you ve come to the right place.

    We ll match you with the provider who is most suitable for you, given your location, your earnings, credit ratings, amount you borrow ($10,000), first payment, and other variables.

    Our network extends across the US, and it includes all types of lenders: banks, dealerships, and auto financing providers. We have a bank or investment company willing to offer you the $10,000 car loan you need, and we can help you find it.

    Auto Loans Under $10,000: Tips

    Any time buying a $10,000 car or truck, you should offer a payment in advance. How much? Well, 10 to 20% is suggested, meaning $1,000 $2,000.

    With that being said, many loan companies can grant car loans for $10,000 with zero down payment, and others simply ask for a five hundred dollar flat fee. Please indicate what amount of money down you can offer if you apply online .

    Car Loans For a $10,000 Car: Monthly Installments

    Needless to say, all of us want to determine how much the payments will be. Here is how it is: your payments will depend on your interest rates and credit history, as well as the amount of the loan.

    For a 48 used car auto loan of $10,000, you should be expecting to pay about $230 to $245 monthly with a good credit record, $250 to $275 with average credit, and $300 to $315 with a bad credit score. Without doubt, your credit ranking influences your monthly payments almost as much as the amount borrowed does.



    Top 10 Payday Sites: PayDay Loan Online Lenders for 2015 #long #term #loans #for #bad #credit


    #online payday loan lenders
    #

    Top 10 Payday Sites. Best PayDay Loan Online Lenders for 2015

    Welcome to the Top 10 Payday Sites website, we have put together this website with one aim, and that is to present to you as much information as is possible to allow you to make an informed decision on whether taking out a payday or short term loan is going to be advantageous to you, based on your current financial situation.

    There are times when everyone can find themselves short of cash and be in need of some short term finance, however, with the number of payday loan companies increasing at a fairly rapid pace of knots, there are many different companies now offering a lot of different types of payday and short term loan, and knowing the difference can often save you a lot of money when it comes to repaying your loan.

    Know your rights: Simple video Explains what is payday loans and how Lenders work when you have problems:

    You may be in urgent need of a loan, but please take a step back and never be in so much of a rush that you choose a company that is going to charge you over the odds in interest and additional fees. Have a read through all of our payday loan guides and news stories we have listed below, as by doing so you will soon be able to find a payday loan company that is going to give you a lower cost loan with the minimum of effort.

    There are many different Pros and Cons of Taking out a Payday Loan and by having a good look around our website we will help you make an informed decision on whether taking one out is going to be suitable for you and your current financial position.

    Interest Charges Imposed and Attached to Payday Loan

    Once you are in a situation where you need to take out a payday loan, the one most important aspect of securing and then receiving such a loan is that you are going to be charged interest on the amount borrowed.

    By law loan companies or anyone who lends money, has to display the APR attached to their loans. This is often hard to understand by first time borrowers or people who are unfamiliar with borrowing money.

    To help all of our website visitors understand and get their heads around APR we have an informative guide which explains everything there is to know about payday loan interest rates, and invite you to have a read through it. To find out more simply click on the Payday Loans APR Explained link and we will take you directly to that article!

    Understanding Payday Loan Fees and Charges

    When you require an urgent loan, one aspect of borrowing money over the short term that you need to be aware of is that there are a range of fees and additional charges that you may have to pay when paying back such a loan.

    Whilst many people will simply be very grateful that they have found a payday lender that is prepared to give them a short term payday loan, please do ensure that before apply and taking out such a loan you fully understand just how much you will have to pay back and when.

    To help you get a much clearer understanding of all fees and charges we have compiled a very easy to understand guide on this subject, this is our Payday Loan Fees and Additional Charges guide . have a look at it for it will help you understand just how much, if anything, on top f the interest charged you will have to pay back in certain situations.

    Experiencing Problems Paying Back a Payday Loan

    If you have taken out a short term payday type of loan and as the payback day approaches you have worked out that you are unable to pay it back on time, then fear not, all professionally run and operated loan companies have a protocol in place for such a situation.

    We have put together a guide called I Can’t Pay Back my Payday Loan on Time and would advise everyone to read it who may be struggling or who are simply unable, for any reason to pay back their loan on the day in question as arranged.

    It is very important for you to stay calm and not to worry, as it is not the end of the world when you cannot payback your loan on time, and many companies are going to bend over backwards to help you through such a situation and will be only too happy to discuss and put into play a repayment plan or let you extend of even rollover a loan.

    Avoid Fee Charging Payday Loan Brokers

    There are some websites you are likely to come across online who are not what they seem! There are several payday loan brokers online who are going to give the initial impression that they are a payday lender, but they are going to charge you a large amount of cash when you fill in their loan application form, and you are not guaranteed of getting a loan of these types of companies.

    A payday loan broker is simply a company that is set up to charge their website visitors a fee for sending them or presenting them with a range of payday loan companies who may, and there is no guarantee that they will, give you a short term loan.

    Due to the growing number of these websites we have compiled a guide called Avoid Payday Loan Broker Fee Charging Websites and we advise you to read through this guide, to ensure that you do not fall victim to these fee charging companies who often give the impression they are going to lend money to one of their website visitors when they have no intention of doing so.

    Payday Loan News Stories

    To keep you up to date with all of the recent payday loan news stories, below you will find links to our range of articles on all of the following topics. Please feel free to check any of these new stories out, and keep checking back as we are always updating our Top 10 Payday Sites website with all of the very latest short term and payday loan related news stories which you may find interesting.

    • Wonga Compensation – The payday lender Wonga have been order to compensate tens of thousands of their customers for sending them letter supposedly from a legal firm, when it fact is was Wonga sending out the letters.
    • Maximum Payday Loan Rollovers – New rules have been discussed that will limit the number of times a customer taking out a payday loan is going to be able to rollover that loan. This will mean customers finding it hard to repay a short term payday loan on time will not be forced to pay the interest on their original loans for an undetermined number of months or even years.
    • Alternatives to Payday Loans – You should only take out a payday loan if you have no other alternatives available, and in this new article we take a look at some of the other ways you could be able to get hold of emergency funds.
    • Buy Back Stores Proving Popular – There is another way that can often be cheaper than taking out a payday loan, and this is by using the services of a Buy Back Store. They are not suitable for everyone but are certainly worth considering.
    • Log Book Loan Defaults Rising – Many people taking out Log Book Loans are defaulting on their payments and are then selling their vehicles in the hope that the new owner will then pay the outstanding debt owed!


    The Top 10 Best Payday Loans in the USA #lawsuit #loans


    #online payday loan
    #

    The Top 10 Best Payday Loans

    Small, short-term loans are close at hand, but are not to take lightly. With many lenders and amounts that can reach up to one thousand dollars and more, a responsible approach will pay off. The top 10 payday loans on this page and all reviews and feature comparison charts within the site pages are key for responsible, reliable and smart financial decisions.

    Top10OnlinePaydayLoans.com is a comparison site dedicated to helping you find the best payday loan for your needs. To offer this service, we may receive advertising profits from providers we feature here.

    Representative APR Range

    www.top10onlinepaydayloans.com is not a short-term lender and does not provide payday loans but refers consumers to lenders who may provide such loans. The site is unable to accurately represent the exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary from lender to lender, change from time to time, and are determined according to the information supplied by you and your loan details.

    APR% is a commonly used way of expressing the fees of payday loans and other common loans (mortgage loans, auto loans, etc,). The figure represents an annual percentage rate, although your payday loan is not annual, nor should it be. Make sure that you review the terms and conditions of the loan that is offered to you so that it doesn’t end up becoming an annual loan.

    Nor is the APR the entire finance charge a loan will cost you. The finance charge rather is made up of the APR% and additional fees, such as loan fees, late payment fees, non-payment fees, loan renewal actions. The exact APR and complete finance charge will be given by your lender when you are redirected to your loan agreement in the loan request process.

    The APR% range, as appears in the chart above, usually represents lender fees. Example:

    Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%

    The calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100

    Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%

    High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%

    What Are Payday Loans?

    A payday loan is a short-term loan that is designed to help you with bills and expenses in between your paydays. In order to get a payday loan, you need to complete a loan application at a payday lender. There are also several eligibility requirements like your age and employment status that must be met in order to be eligible for the loan. These loans are quite different from traditional bank loans because even with poor credit you can still be approved and in many cases you will receive your loan the very next day after you apply. Generally these loans have a very short loan term and usually need to be paid back on or before your next payday.

    Who Can Benefit from Payday Loans?

    Many different people can benefit from a payday loan. First, if you have some unexpected expenses and simply cannot wait for payday then getting a payday loan is a good option. These loans are also a useful solution if you need money quickly and cannot afford to wait for a bank to approve a loan. In some cases you will receive your loan within hours after applying and at the most you will receive your money in 2 to 3 business days. Payday loans can also be beneficial for those who have poor credit, bad credit, or no credit history. If your credit is poor then it can be difficult if not impossible to get a traditional loan but because payday loans are based more on your ability to pay the loan your credit is not nearly as important in the approval process. Additionally, you can actually improve your credit score by paying the loan back on time.

    What is APR?

    APR or annual percentage rate is the interest rate that is applied to credit cards and loans. The APR is the total interest that your loan will incur if you held the loan for an entire year. In order to pay the loan in full, you must pay back the interest as well as the initial loan amount. The APR is generally very high for payday loans but because you usually will only have this loan between 7 and 31 days you will not incur a significant amount of interest.

    How to Choose a Payday Lender

    You should always choose a lender that is honest and upfront in terms of their eligibility requirements and loan details. In addition, you should compare a multitude of lenders based on APR, loan conditions and eligibility requirements in order to find the best choice for you. It is also recommended that you find reviews of the lender you want to use so you can see what other customers said about their services. Finally, you want to use a payday lender that has a professional, polite and helpful customer service team.

    Important Notice

    Short-term loans are usually borrowed for a limited amount of time, and intended to be paid back within a month, or by your next payday. However, payday lenders have diversified their offerings and some offer loans for higher amounts and longer periods of time. The APR is significantly higher than that associated with bank loans. Lenders often offer a higher APR for smaller loans and short terms, and a lower APR for large amounts and longer terms.

    Either way, payday loans – short term, small amount loans or long term loans for large amounts –are an expensive form of credit. Payday loans are not a long term financial solution, a monetary resource, or a credit alternative. Consider the following implications of non-payments.

    Financial Implications: Short or long, loans are for a limited time. Borrowers commit to a date by which the loan will be repaid in full (amount of your loan, cost of the loan, repayment amounts and all costs included). If you are unable to repay your loan in a timely manner, you may face late fees, administrative fees, non-payment fees, insufficient fund fees, and legal fees, while interest accumulates. The fees’ limits are set by state laws and can reach thousands of dollars. All potential fees must be disclosed by the lender.

    Collection Practices: Payday lenders have available to them a number of debt collection practices, which they may use in case you are unable to repay your loan. Collection efforts commence the moment a loan is in default and the borrower did not sign a loan extension. They can be aggressive, regulated and limited by the Fair Debt Collection Practices Act and applicable state laws. Loan and debt collection efforts may include the following: telephone calls to your home or place of employment, notices by mail, and visits to your door. They may access your checking account to withdraw the amount, even at the cost of creating overdraft charges for the borrower. Although they may not harass you or engage in any unfair practices, these measures are terribly uncomfortable and dangerous.

    Credit Score Implications: In addition to the financial costs of payday loans and debt collection practices in case of default, failing to repay your loan on a timely basis could affect your credit score. If the lender reports your delinquency, you can expect your credit score to decrease, which makes any form of borrowing more expensive, difficult, or altogether impossible.

    Renewal Policy: Borrowers may avoid default or delinquency if they reach an agreement with the lender for an extension. Loan renewals are not always automatic, but rather must be requested, or else the loan might enter default. Furthermore, loan extensions usually come with administrative fees associated to them. Along with the high APR, the loan cost may quickly increase, which makes renewals even less favorable. Payday loans regard timely payments very highly, and so should you.

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    Short Term Loans UK – Fast Payday Loans in 10 Minutes – I Got Funds #car #loan #rates


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    BBA Short Term Loans

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    Need a UK Short Term Loan Today?

    Running short before pay day can really be frustrating.

    You may have a lot of needs and yet you do not have enough cash in your pocket. You may opt to borrow money from your friends but that may not be the best option if they have their own expenses too. If you are tired of looking around for options on how to get quick cash, they you may need to consider other financing methods such as filing for a pay day loan.

    Quick cash loans are becoming in demand today because unlike regular loans, they are easy to file. Most people think that filing for a loan is not good because they take time to approve. What they do not know is that with quick cash loans, you only need to wait for a day or even a few hours to know if you are qualified or not.

    Aside from instant results, you can also file a pay day loan online so it is very convenient. If you do not know of any cash loan companies in your area, you can simply browse through the Internet and you will see a couple of websites about speedy loans. You can check what options they offer and compare which among them best appeals to you. All you need to do once you have selected the company is to fill-out an online form where you will put all the necessary details that they need. After they have received the form, you will be notified if your application is approved and how you can claim the money that you borrowed.

    Before signing anything, you need to make sure that you understood everything written on the contract. Some people forget to read the fine print when they are looking after the money that they can get. It is important to ask questions if there is anything unclear to you to avoid problems in the future. You will be informed how much you need to pay on your salary day so you know if you can abide with the terms or not.

    BBA Can Help!

    Speedy loans are not only quick. They are safe and tested by many borrowers. For this, frauds try to imitate the style of lenders just to get personal information from clients. If you are in doubt if the person you are talking to is legit, you can contact the company which the person claims to work for. A legit lending company will always have an email or a contact number so people can contact them any time. They will inform you right away if the person you are dealing with is legit or not so there is no way for swindlers to escape with their scam.

    In case you run short on your salary day and you think you cannot pay the total amount that you agreed to settle, you have the option to file for an extension. You can pay the amount that you borrowed for a longer period of time however a deferral fee will apply. The interest rate or deferral fee will depend on how long you wish to extend. The longer you want to extend your contract, the higher deferral fee you need to pay. Some people are unable to finish paying their debts because they keep on extending instead of focusing on the amount that they need to settle. Lenders will always advise borrowers to be wise in spending money so they do not end up having bigger debts.

    Short term loans can be a good way to settle you immediate cash concerns. They are reliable, fast and secure which saves you a lot of time and effort. On the other hand, it is necessary to keep in mind that speedy loans are made to assist people who have urgent concerns and not as a regular source of cash for unnecessary spending. It is best to create and stick to a good budget plan to avoid running out of cash before your salary day.



    Don – t Fall for these 10 Mortgage Misconceptions #housing #loan #calculator


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    Don’t Fall for these 10 Mortgage Misconceptions



    Consolidate Your Credit – Top 10 Options #100 #day #loans


    #consolidate debt
    #

    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.



    Best fixed-rate mortgages: two, three, five and 10 years #debt #relief


    #best loan deals
    #

    Best fixed-rate mortgages: two, three, five and 10 years

    Best-buy tables can be deceiving. We explain which really are the cheapest mortgage deals, including fees

    Comments

    Mortgage rates have started to edge back down in recent weeks, as expectations for an interest rate rise ease.

    Rates on two, five and 10-year fixed deals fell to record lows earlier this year, but prices started to rise in September following comments from Mark Carney, Governor of the Bank of England, that suggested Bank Rate would rise around the turn of the year.

    But expectations for a rate rise have slipped again, with some economists predicting the UK will not see an increase until the second half of 2016.

    The price at which lenders can access funding on the money markets has fallen and there are some very competitive deals still on the table, particularly for borrowers with a small deposit.

    This guide tells you everything you need to know about fixed-rate mortgages and the best deals available. It is regularly updated as events change.

    For up-to-date best-buy fixed-rate mortgage deals, go to our mortgage best buy tables . This shows a selection of top rates based around your requirements.

    What affects fixed mortgage rates

    The pricing of fixed mortgage rates depends on several factors, but mostly whether banks can get their hands on cheap money to lend out. They usually get it from savers or by borrowing from other banks on the money markets, buying money at a certain rate the “swap” rate for a certain time period.

    These swap rates react to expectations of future interest rates and inflation, which affect the price of mortgages.

    Two and five-year swap rates were driven down for much of 2013 so the price of fixed rate mortgages fell. But those swap prices increased towards the end of 2013 and in early 2014, and with them, the average cost of new fixed mortgage deals.

    But swap rates dropped sharply again earlier this year and deals were as cheap as they’ve ever been. Rates plummeted as lenders battled for a spot in the best-buy tables. Ten-year fixed rates fell below 3pc for the first time in February and five-year fixes fell below 2pc for the first time in April.

    David Hollingworth, of broker London Country, said the level of competition in the market has remained extremely high.

    “Lenders are cutting their rates again and although they’re not as low as we saw earlier this year, the deals are very competitive,” he said.

    “Lenders are keen to meet their end-of-year lending targets and build up a healthy pipeline of business for 2016, so they’re doing what they can to attract borrowers. But you still need to look beyond some of the eye-catching rates for the best deals as the very lowest rates can come with hefty arrangement fees.”

    Ray Boulger, of broker John Charcol, said he expects that fixed rates will remain relatively stable for the next few months, as a Bank Rate rise is unlikely to come in the immediate future.

    “The cost of funding for lenders is not changing much, so there’s no great need for lenders to alter their fixed rate pricing drastically.”

    What is the difference between fixed and variable-rate mortgages?

    If you take out a fixed-rate mortgage, the interest rate you pay will be fixed for the initial special period, regardless of rate changes made by the Bank of England. Fixed rates are typically for two, three, five and occasionally 10 years, with the interest rate rising as the term gets longer. Once the fixed period ends, borrowers are pushed on to the standard variable rate, which can be much higher.

    Variable mortgage rates can vary during the mortgage term, meaning borrowers will not have the security of knowing how much their repayments will be every month. However, if the UK economy dips, interest rates will decrease, making the repayments substantially cheaper. Also, because the mortgage comes with the uncertainty of interest rates either rising or falling in the future, the initial rate is often much lower than with fixed mortgages.

    The cheapest fixed deals

    It’s not all about rate. Lenders like to add extra charges, such as arrangement fees.

    We have calculated the full cost on some of the best deals, based on a £350,000 home with a loan of 25 years. We used a buyer with a 40pc deposit – £140,000 – and a buyer with a 10pc deposit, or £35,000.

    For those who want the peace of mind of having a fixed monthly cost, and for anyone who doesn’t want the risk of fluctuating interest rates, fixed-rate mortgages are appealing.

    Below we list the best on the market, according to London Country, using the two different deposits.

    Norwich Peterborough Building Society currently offers the cheapest deal once you factor in the arrangement fee.

    N P ‘s 1.59pc deal comes with no arrangement fees. Monthly repayments would be £849. or £20,371 over two years.

    West Bromwich has a competitive two-year fix priced at 1.19pc with a £999 fee. Monthly repayments would be £810 and the total cost would reach £20,430 including the fee.

    The Post Office has a 1.15pc deal which comes with a high £1,995 arrangement fee. Monthly repayments would be £806. or £21,334 over the two years.

    For those with smaller deposits of 10pc, or £35,000, HSBC comes out on top. Its 2.38pc deal comes with fees of £999. Borrowers would pay back £1,394 a month, or £34,459 for the total two-year term including the fee.

    Tesco Bank has a 2.29pc deal, but with a high £1,495 arrangement fee. It would cost £1,380 a month, or £34,616 in total over the two years.

    Cumberland Building Society is offering the cheapest three-year deal.

    Cumberland is charging 1.95pc on its three-year fix, with a £699 arrangement fee. Total repayments would be £885 a month, or £32,559 over three years, including the fee.

    HSBC ‘s three-year fixed rate at 2.19pc comes with no arrangement fees. Total repayments would be £910 a month, or £32,747 over three years.

    Post Office has a 1.89pc three-year fix, with a large £1,495 fee. Total repayments would be £879 a month, or £33,135 over the three years.

    For those with a 10pc deposit, Coventry Building Society offers the cheapest deal with its three-year fixed-rate mortgage at 3.15pc with a £999 fee. Repayments would be £1,518 a month, or £55,663 over the three years including the fee.

    Co-op has a 3.09pc deal with a £1,499 fee. The monthly repayments would be £1,509 and the loan would cost £55,807 over the two years.

    HSBC offers the best five-year fixed-rate mortgage at 2.19pc with a £999 fee. The monthly repayments would be £910. and £55,578 over the term.

    Cumberland Building Society has a 2.34pc deal, with a £199 arrangement fee. The mortgage would cost £925 in monthly repayments, and £55,715 over the five-year term.

    First Direct is charging the same 2.19pc rate as its parent HSBC, but with a large arrangement fee of £1,450. The deal would cost £910 a month, or £56,029 over the five years.

    For those with a 10pc deposit, HSBC offers the cheapest deal with its five-year fixed-rate mortgage at 2.88pc, which comes with a £1,499 fee. Repayments would be £1,474 a month or £89,950 over the five years.

    HSBC also offers a 3.38pc deal with a £999 arrangement fee. Borrowers would pay back £1,557 a month, or £94,405 over the period.

    Nationwide is charging 3.14pc with a £999 arrangement fee. Monthly repayments would be £1,011 and the deal would cost £122,343 overall.

    Nationwide also has a 10-year deal priced at 3.24, however it has no arrangement fees. Monthly repayments would be £1,022 and the overall cost £122,671.

    For those with a 10pc deposit, Nationwide is also the cheapest option with its 4.04pc deal, with a £999 arrangement fee. Monthly repayments would be £1,670 and £201,357 in total.

    If you re considering fixing for 10 years don t forget to factor in the effect of early repayment charges. Some deals are more expensive to end early than others.

    Use our mortgage calculator to work out how much you will need to repay on your mortgage.

    To keep up-to-date with the best mortgage rates on the market: sign up to our weekly email



    Best Loans – Top 10 Loans #auto #loans


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    Best Loans

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