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Best College Loan Advice: 9 Tips for Borrowing for College – CBS News #montel #williams #loans


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Best College Loan Advice: 9 Tips for Borrowing for College

  • Lynn O’Shaughnessy
  • MoneyWatch

Last Updated Apr 13, 2010 4:15 PM EDT

College loans . Yes, that time has arrived when parents of returning and new college students start thinking about applying for college loans. It’s also crunch time for graduating college students, who must begin repaying their college loans .

Unfortunately, many families get into trouble when they start shopping for college loans . When the college admission process is over, many parents are so relieved that they fail to do their homework before choosing college loans. College graduates also don’t give much thought to how they will tackle their college debt.

To help out families, who must borrow to pay the college, I’ve assembled some of my past college blog posts on student loans. Some of the posts will help you pick the best college loans and others will help those who must soon begin repaying their student loans.

There is no one right answer, but you will find links in this post to calculators that can help parents determine what level of college debt they can handle.

Students should limit their borrowing to federal loans only, which are safer and offer more protections than private student loans.

Federal loans are your best bet, but unfortunately many families gravitate to private loans because they don’t understand the difference.

In the early 1990s, only one out of every three college students took out college loans, but now well over half do.

There are federal student loan repayment opportunities that can dramatically shrink the monthly tab of eligible borrowers.

Don’t attend a college that has a high student loan default rate. Here’s how to find those default rates.

If you are struggling as you attempt to repay your student loans, here are some options.

Be extra careful about repaying student loans on time. The penalties can be astronomical.


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Looking for a loan at a competitive interest rate with minimal fuss?

We offer loans from 12.95%, and we specialize in getting you the finance you require.

Every day, we arrange finance for our customers, from Cape Reinga, all the way down to the Bluff, and everywhere in between. We’re proud to say that we have helped over 20,000 kiwis get the finance they needed, when they needed it.

Our loans start from $1,000, and go all the way up to $500,000, with repayments starting from just $25 per week. We provide Personal Loans, secured or unsecured, Car Loans, Bridging Finance, Mortgages and Debt Consolidation Loans. We can also provide tailored finance packages offering you deferred payments, interest only payments and residual payments to fit your lifestyle.

YOU MAY NOT KNOW: Applying for loans with various companies not only wastes your time, wastes your money, and most importantly adversely affects your credit score. Your credit score drops with each application you do! We only perform 1 credit check and 1 PPSR, and we send this to a range of accredited finance providers to get the best deal for you.

At Central Finance and Loans we understand that every loan application is as unique as the client that sends it, so we assess each application individually based on its merits. Utilizing our long standing experience in the finance market, we handle the process from start to finish making the application process easy, so all you have to do is relax while we do all the work on your behalf.

With the backing of numerous underwriters leading the New Zealand finance industry, we can offer you finance for almost anything you need.

Our aim is to provide you with a friendly, professional, helpful service so you can achieve your goals and financial rewards faster and easier.

It’s not just about getting finance, it’s about getting the “right” finance for you.

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What’s the best way to finance buying a car? Money Advice Service #financial #loans


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Buying a car is no simple decision. From buying outright, to buying a car on finance, there are many options. You also have to consider running costs. In fact, it’s probably the second most expensive thing you’ll buy after a home. So it’s important to make sure you get the best deal on financing.

Cash or savings?

When interest rates are so low, it’s likely that your savings will not be earning much in a bank or building society account. So rather than keeping your savings and borrowing at a higher rate of interest, you could use them to fund all or some of the cost of the car.

  • You should make sure you have enough savings left over for an emergency after you have paid for your car.
  • If you don’t have enough savings to buy the car outright, you could use them to give you the biggest deposit possible.
  • Even if you use money from your savings you may be better off buying the car on your credit card so you benefit from credit card purchase protection. You should pay the bill off in full the next month.

Use our Car costs calculator to work out the total cost of motoring.

Personal loan

Did you know?

Personal loans are usually the cheapest way to finance a car deal, but only if you have a good credit rating.

You can get a personal loan from a bank, building society or finance provider so long as your credit rating is good.

Make sure the loan is not secured against your home. Otherwise you will be putting your home at risk if you failed to keep up with repayments.

Shop around for the best interest rate by comparing the APR (or annual percentage rate, which includes charges you have to pay as well as the interest).

Pros

    It can be arranged over the phone, internet or face-to-face Covers the whole cost of the car but it doesn’t have to Can charge a competitive fixed interest rate if you shop around

Cons

    There may be a wait for the funds to appear, although some lenders make funds available almost immediately Other borrowing may be affected

Hire purchase (HP)

Hire purchase is a form of buying a car on finance and is paid in instalments where payments are spread over 12-60 months and you usually (but not always) have to put down a 10% deposit. They are arranged by the car dealer and are often very competitive for new cars (less so for used cars). The loan is secured against the car, so you don’t own it until the last payment is made.

Pros

    Quick and easy to arrange Low deposit (usually 10%) Flexible repayment terms (from 12 to 60 months) Competitive fixed interest rates

Cons

    You don’t own the car until the final payment Tends to be more expensive for short-term agreements

Personal contract plan

This type of car finance deal is a variation on hire purchase and tends to result in lower monthly payments. Instead of paying for the car outright, you agree to pay the difference between its sale price and its price for resale back to the dealer. This is based on a forecast of annual mileage over the term of the agreement. Payments are spread over a shorter term of 12 to 36 months.

At the end of the term you can:

Personal leasing

You can pay the dealer a fixed monthly amount for the use of a car, with servicing and maintenance included, as long as the mileage doesn’t exceed a specified limit. At the end of the agreement, you hand the car back. It never belongs to you.

Pros

    Motoring at a fixed monthly cost No worries about the car depreciating in value Flexible payment terms (from 12 to 36 months)

Cons

    Monthly costs are higher because servicing and maintenance are included Need to find a deposit (usually 3 months rental) Possible extra costs if you exceed the mileage limit The car is never yours

Car finance options – Things to look out for

As you compare car financing, there are a few key things to do before making a final choice.

  • Make sure you can afford the monthly payment.
  • Make sure you compare interest rates by looking at the APR (annual percentage rate), which includes all the charges you have to pay. Remember that a higher deposit will normally mean a lower interest rate.
  • Compare the total cost of borrowing, including all charges over the loan.
  • Think carefully before buying payment protection insurance (PPI) or other insurance, such as GAP cover, which can be expensive and may give limited cover. GAP cover is designed to pay out if your car is a total write-off and the outstanding finance is more than the value of your car.
  • Beware of early repayment or other charges, which kick in if you exceed the forecast mileage in personal contract plans (and also personal leasing).

Shop around

The best way to shop around for a good deal is to use an online comparison site. Here are some of the sites you might want to consider.


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Do you need a potential debt free fresh start? If so, you need to file a Chapter 7 bankruptcy and put a stop to the harassing calls, stop wage garnishment and other lawsuits being currently filed against you. Chapter 7 is considered the simplest type of bankruptcy, where you come out with the best chance for a fresh start. I am an experienced Bankruptcy Attorney Lake Worth, Fl.

West Palm Beach Chapter 13 Bankruptcy Attorney

Chapter 13 bankruptcies on the other hand allow debtors to reorganize the debt and like Chapter 7 bankruptcy, it may totally erase or greatly reduce many types of unsecured debts. However, under a Chapter 13 bankruptcy you are required to repay a portion of your debts through a debt repayment plan which is supervised by the court.

Foreclosure Defense Attorney near Boca Raton

Facing foreclosure can be a scary situation for you and your family. As an experienced Palm Beach foreclosure defense attorney in Lake Worth. I want you to know that you do not have to lose your home just because you fall into foreclosure. Let our aggressive foreclosure defense legal services put a stop to it!

Mortgage Loan Modification Attorney

Not all loan modification attorneys are the same. Although most lenders utilize the same applications and request the same documentation from borrowers, experienced loan modification attorneys can best serve your needs. Because your documentation is time-sensitive, it is crucial that you see a professional as soon as practicable to direct you through the process.

Small Business Services, Formation and Compliance

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If you are on my website it is probably because you or your company are now being harassed by creditors, have received a lawsuit summons and complaint, and/or are now overwhelmed by debt. You may also be apprehensive about taking the step to begin a business. The truth is, I can almost always help you with your financial problems whether they are business or personal. At minimum, I can point you in the right direction for your circumstances. Whether I can advise you to file bankruptcy to lessen your financial burden or suggest a way to negotiate with your creditors, you can only get informed if you take an affirmative step forward.

The key is to set up an appointment as soon as possible so that I can listen and learn about your particular situation. There is no obligation and the consultation is free. Let me provide you with compassionate debt relief solutions and alternatives so that you can obtain peace of mind in due course. I am a seasoned Bankruptcy Attorney in Lake Worth, Fl. willing to work with you in order to get you out of debt in a way that protects you!

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Automotive Tools Tips Advice – Kelley Blue Book #best #bank #loans


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Upside-down on a Loan?

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It is common knowledge among automotive salespeople that roughly two-thirds, more or less, of all new-car buyers who walk into a dealer’s showroom have a current car to trade in, and roughly two-thirds of those, more or less, owe more on that existing vehicle than its trade-in value. If you owe more on something than it’s worth, in the terminology of the industry that is known as being “upside-down,” and it applies to roughly half of all new-car buyers. This didn’t used to be so common, as there was a time when a prudent buyer tended to purchase a car and diligently pay it off. But, with incentives on the rise, low-interest, long-term loans dominating the financial landscape and increasing numbers of buyers over-extending themselves by seeking instant automotive gratification, more people are finding themselves in the situation of owing more on the vehicle loan than the car is worth.

In a market that pushes the newest, latest car designs, many people feel they have to get into a new car — whatever it takes. Others simply don’t feel comfortable driving a car that is out of warranty or has a lot of miles on the odometer. Whatever the reason, the fact remains that dealers and financial organizations are willing to accommodate these purchases by making deals that roll-over the debt owed from the trade-in and add it to the financing for the new car with, understandably, a higher loan amount over a longer period of time. This is done to keep the monthly payment low enough to be affordable. What sometimes doesn’t get noticed by the buyer is that he or she is now making payments on two cars — the new one and what was left of the old one — and taking a very long time to pay it all off.

Furthermore, when a buyer is described as being upside-down it is quite often not for just a few thousand dollars. Many buyers are upside-down by 10 or 20 thousand dollars, or even more and, at their current rates, it will be years before they are even.

Why is this so common?

The combination of hefty incentives, smaller down payments and the general willingness on both financial and dealer organizations’ parts to create roll-over loans has influenced the market to accommodate lenders’ needs and find creative solutions to getting buyers into new vehicles. Some of these methods are less desirable than others but, ultimately, it’s a personal financial decision a car buyer must make before taking the plunge. And, in truth, the real reason many people are so far upside-down is because they were too eager to get a new car and didn’t consider the financial consequences. When a buyer is heavily upside-down, it didn’t happen by accident.

Understand Your Position

Don’t know if you’re in this situation? To find out, simply look up the trade-in value of your current vehicle — be sure to rate your vehicle’s condition by selecting the “Rate It” link on the pricing pages. If your trade-in value is less than the balance of your current car loan, you are upside-down by that amount; if you were to trade in that car on the new car, you would still have to give the dealership the additional money just to come out even on the trade. Check out your car’s private party amount. Is it still less than your debt? If not, you may want to try selling it yourself.

Understand Your Options

If you find yourself in this position, you have several options — each with benefits and risks attached:

Option 1: Roll-over the existing debt to a new car loan

Benefit:

The biggest benefit to choosing this option is that you will be able to drive that new car off the lot, possibly for a comparable monthly payment.

ent.

Risk:

You will probably be asked to finance a long-term loan, which means you will owe a lot more than the new car is worth, and is going to be worth, for an even longer period of time.

Option 2: Find a new car with an incentive amount that covers your debt

Benefit:

This finance trick is great for covering the amount of your trade-in debt and will eliminate the roll-over effect.

Risk:

Remember that with most incentivized vehicles the resale value is taken out of the car up-front. In other words, you’ll find these cars’ values drop faster than other cars that do not have incentives, thus placing you in another upside-down position later. NOTE: This is still less risky than Option 1 because, in this case, the manufacturer has absorbed part or all of the negative balance.

Option 3: Keep the car you have until its value catches up

Benefit:

The obvious benefit here is that you will have equity to work with when you’re ready to look for a new car. Generally, this is the wisest financial choice and, taken to its logical conclusion, it will get you back on top of things. But it doesn’t satisfy many buyers’ desires for instant automotive gratification.

Risk:

The only risk is that your car could have excessive miles and damage, reducing the amount you have to barter with. But, if you can live with it for a while and pay it off, you will eventually be back in a much better financial position.

Option 4: Refinance your existing car with a shorter-term loan

Benefit:

Third-party financial companies, like  LightStream, an online lending division of SunTrust Bank. offer refinancing loans that could speed up the time it takes to get your loan healthy.

Risk:

You risk missing out on getting those new wheels, of course, but you may also find yourself outside your current car’s warranty coverage and accumulating a lot of miles on it. And, to restructure in this way will almost certainly mean your monthly payments will increase — after all, you’re refinancing the remaining portion of an existing loan over a shorter time period.

As you can see, both consumers and dealers are coming up with highly creative ways to deal with this growing issue. The biggest danger is that rising interest rates — even increases as small as one percent — could equate to an increase of several hundred, or even a few thousand dollars over the life of the loan. With some loans being financed for terms as long as 96 months (eight years), the effect of rising interest rates and the practice of rolling-over an existing loan into a new one could result in an unfortunate situation that would negatively affect your personal financial health. And all for a new car.

Avoid Being Upside-Down Again

Finally, here is some general advice on things you could do before you pursue your next car purchase:

  • Educate yourself on your credit score don’t pay a higher interest rate than you need to.
  • Educate yourself on available interest rates in the marketplace before applying for a loan; know a good rate when you see one.
  • Do plenty of pricing research on available new car and trade-in values to get a good value on both transactions.
  • Match your loan to your expected ownership length of time; a longer loan will help keep monthly payments low, but chances are it will lead to being upside-down when the time comes to trade in for yet another new car.

Automotive Tools Tips Advice – Kelley Blue Book #litton #loan #servicing


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Zero-Percent Financing: Financial Fact or Fiction?

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When you hear or see ads touting zero-percent financing, your first reaction may be one of skepticism. How can any finance company offer a car loan with no interest? Yet, zero-percent financing is currently one of the most popular incentives in the automotive industry, and it is offered by the finance arms of major automotive manufacturers.

Just as they offer vehicles with cash rebates, car companies subsidize the finance arms of their corporations, essentially pre-paying the loan interest on specific models. Each company follows the individual formula that works best for it depending upon the cost of the vehicle and the loan term.

The automotive industry on the whole has been on a downward sales trend since before the events of 9/11 and, since that time, zero-percent financing has been offered on more brands than ever.

Does zero-percent financing work? In large part, yes. According to the J.D. Power Dealer Finance Study, it is considered to be one of the most successful motivators to get car buyers into dealerships. Another side of the issue is that while the enticement of zero-percent financing brings many car buyers into the dealerships, those buyers may not necessarily end up with the zero-percent loan — for a variety of reasons, which we’ll explore.

When it comes to zero-percent financing, what is fact and what is fiction?

  1. Zero-percent financing usually requires a shorter-term loan, which can require higher payments.

The most common zero-percent finance deals tend not to extend for as long as the conventional auto loans, so many buyers may opt for the conventional loans in order to keep the monthly payments lower — even though they will end up paying a lot more money in the long term. There are, however, exceptions to this rule, in which zero-percent financing may be offered in longer terms.

  • Zero-percent financing requires unblemished credit to qualify.
    Not necessarily, as some finance programs are moving to go after an expanded audience of buyers with less than perfect credit scores.
  • Zero-percent financing is available only on a limited number of models in dealer stock — not on special orders or certain option packages.
    Most zero-percent deals tend to apply only to the vehicles on the dealer lot and they may not include special option packages or premium models.
  • Zero-percent financing is usually offered in an either/or situation with a cash rebate and you must choose between the two.
    Most of the programs typically follow this formula.
  • If you qualify for zero-percent financing, negotiating a lower price on the vehicle may be more challenging.
    Although this may happen, a reputable dealership will be open to negotiating the deal before applying the zero-percent financing to your sale. As always, we recommend you do your homework before buying.
  • Even if you do not qualify for zero-percent financing, excellent interest rates are available.

    An online lender such as LightStream, an online lending division of SunTrust Bank. can, in many cases, get you a lower interest rate than a dealer might offer. For this reason, we recommend shopping loans online to make the best possible choice before you go to the dealership.

  • With all these facts in mind, many people will be attracted to zero-percent financing. Although this trend has been around for a couple of years, most industry experts believe it can’t last forever. With the advent of lower interest rates and flexible terms, today’s car buyers are finding creative financing options at an all-time high. And, with the economic challenges facing many car buyers, these programs will continue to bring buyers into dealerships.


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    Certified Occupational Therapist Assistant Salaries

    Alternate Job Titles: Certified Occupational Therapist Assistant

    • What is the average annual salary for Certified Occupational Therapist Assistant?

      How much does a Certified Occupational Therapist Assistant make? The median annual Certified Occupational Therapist Assistant salary is $55,120. as of May 30, 2017, with a range usually between $49,656 – $60,562. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Certified Occupational Therapist Assistant in the United States.

      This chart describes the expected percentage of people who perform the job of Certified Occupational Therapist Assistant in the United States that make less than that annual salary. For example the median expected annual pay for a typical Certified Occupational Therapist Assistant in the United States is $55,120, so 50% of the people who perform the job of Certified Occupational Therapist Assistant in the United States are expected to make less than $55,120.

      Source: HR Reported data as of May 30, 2017

      • About this chart

        This chart describes the expected percentage of people who perform the job of Certified Occupational Therapist Assistant that make less than that salary. For example 50% of the people who perform the job of Certified Occupational Therapist Assistant are expected to make less than the median.
        Source: HR Reported data as of June 2017

        Assists an Occupational Therapist with rehabilitative activities for patients who may have developmental, physical and emotional impairments. Prepares equipment for treatment and may perform clerical duties for the department. Requires an associate s degree and passing of a national examination to be a Certified Occupational Therapist Assistant (COTA). Familiar with standard concepts, practices, and procedures within a particular field. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A limited degree of creativity and latitude is required. Typically reports to an occupational therapist. View full job description


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    Cartoonist / Animator Salaries

    Alternate Job Titles: Cartoonist / Animator, Cartoonists and Animators, Cartoonists Animators

    • What is the average annual salary for Cartoonist / Animator?

      How much does a Cartoonist / Animator make? The median annual Cartoonist / Animator salary is $51,107. as of August 03, 2017, with a range usually between $42,626 – $61,802. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Cartoonist / Animator in the United States.

      This chart describes the expected percentage of people who perform the job of Cartoonist / Animator in the United States that make less than that annual salary. For example the median expected annual pay for a typical Cartoonist / Animator in the United States is $51,107, so 50% of the people who perform the job of Cartoonist / Animator in the United States are expected to make less than $51,107.

      Source: HR Reported data as of August 03, 2017

      • About this chart

        This chart describes the expected percentage of people who perform the job of Cartoonist / Animator that make less than that salary. For example 50% of the people who perform the job of Cartoonist / Animator are expected to make less than the median.
        Source: HR Reported data as of August 2017

        Provides drawings or animations used in advertising, illustrating ideas and promotional efforts to amuse audiences or to meet other needs. Uses various methods to communicate the organization s efforts through an assortment of freehand artwork. May prepare artwork for printing or mass production. Typically reports to a supervisor or manager. Works on projects/matters of limited complexity in a support role. Work is closely managed. Typically requires 0-2 years of related experience. View full job description


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    If you have suffered a significant injury or the death of a loved one, it’s important that you have an attorney on your side who is experienced and whom you can trust. We are the New Jersey Injury Lawyers at Nusbaum, Stein, Goldstein, Bronstein Kron, P.A. Counselors at Law, a general practice law firm that is well established and highly respected in the community. For information on the general practice, please visit www.nsgbklaw.com. Here, we discuss our personal injury practice. We are Lewis Stein, Robert D. Kobin and Steven J. Loewenthal, and we have more than 80 years of combined legal experience assisting residents of Morris County, New Jersey, and the surrounding areas in personal injury cases involving auto accidents, truck accidents, fall-down accidents, construction site accidents, defective products, dog bites, burn injuries, wrongful death, medical malpractice and nursing home injuries. While we have prestigious legal backgrounds and experience, perhaps most importantly, we truly care about our clients. That’s why we feverishly work to simplify the details involved in resolving your case and recovering money for your damages, allowing you to focus on getting better. Over the years, we have obtained over $50 million for clients. Let us work to get money for you.

    Morristown Car and Truck Accident Lawyers

    Throughout the years, we have gained a reputation as aggressive litigators who won’t back down. For that reason, we are well respected in the industry and by insurance company representatives who know from past experience that we must be taken seriously. When handling your personal injury matter, we will analyze your case to discover your specific needs and follow through with thorough investigation. We won’t leave any stone unturned as we identify and talk to witnesses right away and use any potential opportunity to get valuable information from our adversary. We are not a run-of-the-mill firm, and our educational backgrounds, intellectual capacity and level of experience cannot be matched. To speak with a New Jersey Injury Lawyer at Nusbaum Stein regarding your personal injury matter, contact us online or call 862-251-6822.

    Call Us for Assistance With Your Slip-and-Fall Injury Case. We Get Results.

    Knowing that you are going through a difficult time, we offer caring, compassionate service and do all that we can to make the legal process as easy and painless as possible for you. We are available to answer your questions and address your needs, and will not pass you along to a staff member when you call. We will be attentive to your needs as we work to maximize your award. When you have the New Jersey Injury Lawyers at Nusbaum Stein on your side, you are going to get results. Contact us online or by calling 862-251-6822 to discuss your slip-and-fall, auto accident, truck accident, fall-down accident, construction site accident, defective product, dog bite, burn injury, wrongful death, medical malpractice or nursing home injury. You don’t pay a fee unless we make a recovery.

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