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Banks that make the most money, and the least, on credit card loans #student #loan #consolidation #calculator


#credit card loans
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Banks that make the most money, and the least, on credit card loans

By Fred O. Williams

The most lucrative card companies are ones you probably never heard of — but whose cards you just might carry.

Store-card issuers Comenity Bank and Synchrony Financial, formerly called GE Capital, reaped the most interest and fees from their cardholders among 12 major card issuers, an analysis by CreditCards.com found.

Banks that issue credit cards are enjoying high profits these days, buoyed by low defaults and cheap funding costs. But some card banks are better off than others, thanks to cardholders who shell out more interest and fees. Creditcards.com analyzed financial reports filed by 1,300 U.S. banks to see who made the most — and the least — from their card business in 2013. (See Credit card income at 500 U.S. banks . )

The analysis found a wide spread in card income — with some big banks collecting three times as much from cardholders as their competitors. The industry generated an average yield of 12.4 cents on each dollar of card balances last year, before losses and other costs. Among the top dozen issuers, yields ranged from a high of 28.4 cents to a low of 8.4 cents per dollar of card loans.

How can some card companies charge much, much more than others?

No. 1, consumers are not doing a lot of shopping around, said Jeanne Hogarth, vice president of policy at the Center for Financial Services Innovation. And No. 2, it amazes me how insensitive consumers are to [the] price of credit.

Even people with good credit are lured into high-rate cards, when they could qualify for a cheaper deal, the analysis found. On the other hand, companies making the least from cardholders kept a lid on rates and fees that other banks use to drive profits.

Many applicants, drawn in by a card’s instant discounts or rewards, overlook its interest rates, penalty fees and other important costs — to their own detriment. When you’re looking to get a credit card, we want you to shop based on the lowest cost of borrowing, said Todd Mark, vice president of education at Consumer Credit Counseling Service of Greater Dallas.

What yields measure

Credit cards are known as one of banking’s profit centers. A group of 16 banks that specialize in credit cards had triple the industry’s average return on assets in the third quarter of 2014, according to the Federal Deposit Insurance Corp.’s Quarterly Banking Profile.

The yields calculated by CreditCards.com are not a look at bottom-line profits. They exclude the costs of running a card business, such as marketing, customer service, fraud prevention and the cost of funds. The yields also leave out some income sources, such as the swipe fees that retailers pay. However, the yield is a good yardstick for comparing how much money each company charges its cardholders, per dollar in balances.

The chart lists 12 banks with the biggest U.S. card business in 2013. The first bar represents their average yield — cents of interest and fees they collect per dollar of balances. The second bar shows the yield after deducting money lost when cardholders default.

After Comenity and GE, the issuers with the next-highest yields are Capital One and Citibank — both of which have large store-card businesses in addition to their general purpose cards. APRs on store-card agreements are typically several points higher than rates on general-purpose cards. Wells Fargo, Discover, Chase and Bank of America were in the middle of the pack of the 12 card banks, with interest and fee income that hovered near the industry average.

Most expensive card companies

Comenity, a unit of Plano, Texas-based Alliance Data Systems, is the bank behind more than 120 store-branded cards from niche retailers such as Abercrombie, Dress Barn and ZGallerie. Although its name may not ring a bell, the bank has a long reach — with 33 million active accounts, it estimates that one in 10 employed U.S. adults carries at least one of its cards.


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At London Makeup Institute we hold small interactive classes to ensure that our students gain the very best understanding and knowledge in a short time. Though our classes are intense, the way they have been structured is so our students can embrace the skills and techniques they are being taught. We have a maximum of 6 people per class in order to ensure all our students get the desired attention they require from the tutor as often as they need.

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We completely understand that in order to learn make-up you need to physically be able to interact with your tutor, we also appreciate sometimes it can be impossible for one to take time out of their schedule to make that commitment. We have created an online course that will blow you away. Our courses are LIVE and not pre-recorded, you will have full interaction with your tutor. If your too busy to attend, we will send you the recording and you can watch and learn at your own leisure. You will also receive full support.

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We completely understand that in order to learn make-up you need to physically be able to interact with your tutor, and though we do recommend that a classroom or physical course is one of the best ways of learning make-up, we also appreciate sometimes it can be impossible for one to take time out of their schedule to make that commitment OR they may be located in a different country so it is physically impossible for them. We have created an online course that will blow you away. Our courses are LIVE and not pre-recorded, you will have full interaction with your tutor. If your too busy to attend, we will send you the recording and you can watch and learn at your own leisure. You will also receive full support and classroom time with your TA.

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Ask the Expert: Does mortgage insurance make sense? Dec. 19, 2003 #military #loan


#loan insurance
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By Walter Updegrave, CNN/Money contributing columnist

NEW YORK (CNN/Money) – I am being offered mortgage protection insurance. Is it worth the cost?

— James Lawrence, Tampa, Florida

Before I answer your question, let’s be sure we’re both talking about the same type of mortgage insurance. There are actually two kinds, and they provide very different types of coverage.

First, there is the type known as private mortgage insurance, or PMI as it’s known in lending circles.

If you are buying a home and putting up a downpayment of less than 20 percent of the home’s value, then generally you don’t have a choice of whether to buy this type of insurance. The lender requires it.

Why? Because PMI isn’t there to protect you — it’s there to protect the insurer in the event you default on your home loan and the lender isn’t able to re-sell your home for enough money to pay off the mortgage.

The cost of PMI varies, but a rule of thumb is about one half of one percent of the loan amount.

So if you’re buying a house for, say, $150,000 and putting 10 percent down ($15,000), the annual cost of PMI on your $135,000 mortgage might run $675 a year, or $56.25 a month.

In years past, some lenders would continue to collect PMI premiums even after the mortgage balance had fallen to well below 80 percent of the home’s original value. But Congress passed the Homeowners Protection Act of 1998, which allows homeowners to request that the lender cancel PMI when the mortgage loan-to-value ratio falls to 80 percent and requires the lender to cancel it when the ratio falls to 78 percent.

By the way, appreciation in the home’s value isn’t taken into account in calculating this ratio — only the decline in the mortgage balance counts.

There are also some other qualifications that may affect your ability to cancel PMI. For more on what the bill requires of you and the lender, click here.

Mortgage life insurance

The second type of mortgage insurance is the type that usually goes by the name mortgage life insurance.

Here, you’re being offered the chance to buy an insurance policy that will repay your mortgage in the event of your death, disability or some incapacitating disease.

This offer — typically by mail — often comes from your lender or an insurance company affiliated with that lender.

This type of insurance is purely voluntary, however, so the question is, should you buy?

Generally, I’d say the answer is no.

It rarely makes sense to buy insurance for narrow reasons — to insure against a specific disease or a single calamity or to provide funds to pay off a single liability, in this case your mortgage.

In the case of life insurance, for example, you’re much better off analyzing your overall insurance need based on what kind of liabilities your spouse or other dependents would face and how much income they would have to replace if you were gone, and then buying enough insurance to meet that need.

Fact is, if you died tomorrow, your dependents would need to replace your income for a variety of reasons, not just to pay the mortgage.

Indeed, it might not even make sense to pay off the mortgage. Your spouse or other survivors might be better off continuing to pay the loan — assuming that’s possible — and putting insurance proceeds to other purposes.

In other words, you should take your overall financial picture into account when buying life insurance.

And the way you should do that is to have a financial planner or life insurance agent perform what’s known as a “needs analysis.” You can also use any one of a number of insurance needs calculators online, including the calculators at The Life and Health Insurance Foundation for Education site and TIAA-Cref site.

Of course, that leaves the question of what type of insurance you should buy — whole life, term, etc. — and the issue of how to shop for the best price for a policy.

For more on those topics, see a column I wrote last year called “Life insurance made easy .”

The same goes for disability insurance. You should consider a long-term disability insurance policy not just because you have an outstanding mortgage, but because you would likely need to generate income for a variety of reasons even if you were disabled and unable to work. For more on choosing a disability policy, click here.


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    Make an Excel Loan Calculator – Tools and Formulas #emergency #cash #loans


    #student loan calculator
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    Excel Loan Calculator

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    Running numbers is easy with an Excel loan calculator. Microsoft Excel includes built-in tools and formulas so you can get information quickly. The Excel loan calculator shows all the details about your loan, and helps you figure out how to repay it early.

    Creating an Excel Loan Calculator

    Continue Reading Below

    1. In Excel, right-click on the tab of sheets at the bottom ( Sheet1, Sheet2, etc ).
    2. Select Insert
    3. In the popup box, choose the Spreadsheet Solutions tab
    4. Double-click the Loan Amortization option

    You can also use the File menu and click New. Then, look for Templates On my computer. (it might also be in Sample Templates ).

    Using the Excel Loan Calculator

    Plug your loan’s information into the box that says Enter Values . You’ll see basic details in the box titled Loan Summary . More information on each payment appears in an amortization table below.

    What-if Scenarios

    An Excel loan calculator makes it easy to see how things (such as your payment) would change if you change the interest rate. Just change one of the values and the rest of the spreadsheet will update instantly.

    You can also see what happens if you pay more than your minimum payment. By paying a little extra, you’ll save on interest costs and pay the loan off early.

    Using Excel Loan Calculator Data

    Suppose you want to copy, paste, slice, and dice the date from Excel’s loan calculator.


    Registered Nurse Salary – Job Description > Interviews – Career Options #registered #nurse #salary, #registered #nurse #job #description, #how #much #do #registered #nurses #make, #pay, #career #options, #jobs, #career, #advices, #challenges, #opportunities, #goals, #future, #guide, #information, #options, #best #paying #careers, #good #paying #careers


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    Interview with a Registered Nurse

    What do you do for a living?

    I am a Registered Nurse.

    How would you describe what you do?

    I take care of patients who are recovering from a wide range of illnesses or from recent surgery.

    What does your work entail?

    I’m responsible for making sure that the patient’s pain is under control, that they receive their prescribed medicine on time, that their vital signs are stable, that the doctor’s orders are being followed and I act as a liaison between the doctor and the patient’s family.

    What is a typical workweek like for you?

    I work three, twelve-hour shifts and I’m stuck on night shift right now. The night shift is really hard. The money is good but the rest of your family is scared to call during the day because they’re scared that I’ll be sleeping. But you kind of get used to it and then eventually you get to work days. So I work 3-twelve hour shifts that usually end up being about 13 or 14 hours because you have to stay late sometimes to finish charting. It ends up almost being a 40 hour work week.

    How did you get started?

    I actually started by going to college and getting a psychology degree and with that degree I was only able to get a job as a receptionist.

    I knew a psychology degree doesn’t really do anything unless you go for your PhD or Masters so I really wanted to help people but I didn’t feel like I was really getting that opportunity and my sister was in nursing school and loved it so I went too.

    I went to a school that offered a one year accelerated Bachelor’s degree in nursing program.

    It was twelve months because I had already had my Bachelor’s degree. I didn’t have to take all the other classes and so I got a second Bachelor’s.

    It was a crazy year. It was probably the most difficult year of my life but it was worth it.

    What do you like about what you do?

    The best part is seeing patients get better and knowing that I played a small role in that. We get a lot of patients who are in a lot of pain after their surgery which can be pretty stressful trying to get their pain under control. But once they’re comfortable and smiling it does feel really good to know that I helped them out.

    What do you dislike?

    I wish I had a lot more time to spend with my patients. There are some busy nights where I’ll run into a room to see something and my patient wants to tell me a joke or a story about her grandkids and it absolutely breaks my heart to have to interrupt them and leave because the patient in the room down the hall is throwing up and another patient is crying in pain and another patient has to go to the bathroom. So there’s sometimes that there is so much going on that I feel like I can’t give my patients the attention that they desire and that I want to.

    How do you make money or how are you compensated?

    Nurses are all hourly so they’re not a salary. It’s not a salary position unless you’re in management.

    How much money do you make as a registered nurse?

    In Kansas City it seems like most hospitals for new graduate nurses start around $21 or $22 an hour and then every year the salary goes up by a little bit less than a $1 a year. I’ve been a nurse for 5 years and I’m making $26 an hour.

    Hospital nurses tend to make more than other types of nurses. At doctor’s offices they only make like $18 or $19 an hour even if you are a registered nurse. So you definitely get more in the hospital and then hospitals usually pay night shift workers a shift differential which for me is $3 an hour so I get my base pay and then for the night hours I get $3 more an hour and I also get additional pay. If it’s a weekend you get $2 an hour extra.

    How much did you make starting out in this career?

    I started out at $22 an hour maybe but that was in TX.

    What education or skills that are needed to be a Registered Nurse?

    Most hospitals require a registered nurse degree but you can do that two ways. There’s actually a Bachelor’s degree which is called a BSN and some hospitals prefer that and pay more; other hospitals don’t distinguish between a diploma nurse, which is an RN without the Bachelor’s, and the Bachelor’s.

    What is the most challenging about what you do?

    The patient load and the severity of their sickness.

    If I have five patients and I have one patient who demands a lot of time because they’re in a lot of pain or they’re really sick then my other four patients might not get the attention that they deserve. So I’ve learned time management skills are just absolutely critical and even then sometimes I’ll have my whole night figured out and something will come up and throw everything off. So it’s definitely a skill learning to prioritize and juggle my plans for the night I guess. That takes a long time to learn.

    What is the most rewarding for you?

    The patients, just getting to know the patients and their families and seeing them get better.

    What advice would you offer someone that’s considering this career?

    The best advice I could offer would be to contact a hospital in the area and see if there’s any way that you can shadow a nurse for a full shift because I think that a lot of people watch TV shows and see doctors doing all the work and they think that’s the way things actually are and it’s not like that. Nursing is a very, very physical job. It’s a lot of thinking and it’s a lot of work. I love it but I’ve met a lot of people who I think if they would have actually seen what it was really like before they went to school that they might have chosen something different.

    I don’t want to sound discouraging by any means but I think it’s a good idea to actually shadow someone to see what it will be like.

    How much time off do you get or take?

    Well we technically have a 12 hour shift. It’s only three days a week so every week you get four days off and then it seems like hospitals give you a lot of paid time off because you don’t get holidays paid. With most jobs you get paid when you don’t have to work on a holiday but hospitals they’re open every day all day so you sometimes have to work holidays so we do rack up a lot of paid time off and so it just seems like occasionally I’ll be able to take a day or two off which is really nice.

    What is a common misconception that people have about what you do?

    That nurses just give medicine and they don’t do much else.

    What are your goals or dreams for the future?

    I guess to eventually to try different areas of nursing and just see what is all out there because that’s one of the best things about nursing, there are so many different areas that if you get bored with something or something isn’t the right fit you can try a different specialty, or you can go from being a floor nurse to an operating room nurse and it’s almost like a different profession. So you have a lot of options I guess. In the future I would like to try out different things and see what the best fit is for me.

    What else would you like people to know about what you do?

    That’s a good question. To be nice to their nurses! No, I’m kidding. It’s a very rewarding job, you learn a lot, it’s constantly evolving, that people should only go into nursing if it’s their true passion.

    And that if you really do want to help people and you are interest in medicine that it is a very rewarding and exciting career.


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    A well-stocked first aid kit is a handy thing to have. To be prepared for emergencies:
  • Keep a first aid kit in your home and in your car.
  • Carry a first aid kit with you or know where you can find one.
  • Find out the location of first aid kits where you work.

    First aid kits come in many shapes and sizes. You can purchase one from the Red Cross Store or your local American Red Cross chapter. Your local drug store may sell them. You can also make your own. Some kits are designed for specific activities, such as hiking, camping or boating.

    Whether you buy a first aid kit or put one together, make sure it has all the items you may need:
  • Include any personal items such as medications and emergency phone numbers or other items your health-care provider may suggest.
  • Check the kit regularly.
  • Check expiration dates and replace any used or out-of-date contents.
    The Red Cross recommends that all first aid kits for a family of four include the following:
  • 2 absorbent compress dressings (5 x 9 inches)
  • 25 adhesive bandages (assorted sizes)
  • 1 adhesive cloth tape (10 yards x 1 inch)
  • 5 antibiotic ointment packets (approximately 1 gram)
  • 5 antiseptic wipe packets
  • 2 packets of aspirin (81 mg each)
  • 1 blanket (space blanket) [Available on the Red Cross Store]
  • 1 breathing barrier (with one-way valve)
  • 1 instant cold compress
  • 2 pair of nonlatex gloves (size: large)
  • 2 hydrocortisone ointment packets (approximately 1 gram each)
  • Scissors
  • 1 roller bandage (3 inches wide)
  • 1 roller bandage (4 inches wide)
  • 5 sterile gauze pads (3 x 3 inches) [Available on the Red Cross Store]
  • 5 sterile gauze pads (4 x 4 inches)
  • Oral thermometer (non-mercury/nonglass)
  • 2 triangular bandages
  • Tweezers
  • First aid instruction booklet [Available on the Red Cross Store]

    Be ready.

    Shop the Red Cross store for emergency kits, radios, and more.

    Your Location


  • Where to Make Student Loan Payments #bridge #loans


    #student loans payment
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    Where to Make Payments

    In some provinces and territories, loans are issued separately by the federal and provincial/territorial governments. That means that you could have more than 1 loan to pay back.

    If your loans were issued to you by British Columbia, Ontario, New Brunswick, Newfoundland and Labrador, or Saskatchewan

    Full-time students: You were given an “integrated” loan. In other words the money came from both the Government of Canada and your province. You will need to repay your loan through the National Student Loans Service Centre. You can see the status of your loan, update your contact information, change your monthly payment amount and apply for the Repayment Assistance Plan by registering for the NSLSC s On-line Services .

    If you received loans before August 2000, you may also have Canada Student Loans or provincial loans at a bank. See Special Circumstances .

    If your loans were issued to you by Alberta, Manitoba, Nova Scotia or Prince Edward Island

    Full-time students: You ll be making payments on 2 loans: a federal student loan and a provincial student loan. That means you ll have to stay in touch with at least 2 loan providers.

    • The federal student loan is managed through the NSLSC. This is where you will send your payments.
    • The provincial loan will be repaid through your province or 1 of the provincial loan service providers. Visit the Web site of your provincial student assistance office to discover the process or where to get help.

    If you received loans before August 2000, you may also have Canada Student Loans or provincial loans at a bank. See Special Circumstances .

    If your loans were issued to you by Quebec, Nunavut or Northwest Territories

    You repay your loan through the student assistance office of your province or territory of residence. Your province or territory doesn t participate in the federal Canada Student Loans Program and as such operates its own student assistance plan which is partly funded by the federal government.

    If your loans were issued to you by Yukon

    Full-time students: You received a Canada Student Loan. Yukon doesn t offer a territorial student loan program. You ll manage and repay your loan through the NSLSC .

    If you received part-time student loans

    You applied for and will be repaying a part-time Canada Student Loan. You ll manage and repay your loan through the NSLSC.

    Special circumstances

    You must contact the loan holders and arrange to repay the loans directly to the financial institutions that issued them if you received:

    • a Canada Student Loan before August 1, 2000;
    • an Alberta Student Loan before August 1, 2000;
    • a British Columbia Student Loan before August 1, 2000;
    • a Manitoba Student Loan before August 1, 2000;
    • a New Brunswick Student Loan before August 1, 2000;
    • a Newfoundland and Labrador Student Loan before August 1, 2000;
    • a Nova Scotia Student Loan before August 1, 2000;
    • an Ontario Student Loan before August 1, 2001;
    • a Prince Edward Island Student Loan before August 1, 2000;
    • a Saskatchewan Student Loan before August 1, 2001; or
    • a Yukon Student Loan before August 1, 2000.

    Date modified: 2013-07-23


    Consolidate loans from multiple lenders to make one affordable monthly payment. #direct #loan #consolidation


    #consolidate loans
    #

    Loan Consolidation

    About Federal Student Loans

    If you make more than one monthly student loan payment, you may find life easier with one affordable payment. A Direct Consolidation Loan brings all of your federal student loans together with a fixed interest rate. The rate is determined as an average of the loan rates that are being consolidated (rounded up to the nearest one-eighth percent).

    Consolidation gives you up to 30 years to repay your loan, depending on your loan balance. Though increasing the repayment period also increases the total amount of interest you will pay over time, you can always pay more than the minimum due with no penalty.

    Most federal student loans, including subsidized and unsubsidized Direct and Family Federal Education Loan Program (FFELP) Stafford and PLUS loans, are eligible for consolidation. Private education loans are unfortunately not eligible to be consolidated.

    If you have any questions about consolidation or need assistance, please call us at 866.426.6765.

    How to Apply

    Apply online for a Direct Consolidation Loan here. You will need your PIN, which you can get at pin.ed.gov. You can choose your servicer and your application will be forwarded to your new servicer for processing. The consolidation process will take approximately 30 days after your application is received.

    Once your Direct Consolidation Loan is completed, the servicer you have chosen will provide your customer service—answer your questions, discuss your repayment options, and process your payments.

    Adding Loans to Your Direct Consolidation Loan

    After your new Direct Consolidation Loan is complete, you still have the opportunity to add additional eligible loans. If you would like to add other eligible loans, your servicer must receive your Request to Add Loans Form within 180 days from the date your Direct Consolidation Loan is completed (originated). Please note that if you have more than six loans to add to your consolidation loan, you will need to submit more than one Request to Add Loans Form.

    If your Direct Consolidation Loan is serviced by Nelnet, you may request to add other eligible loans to it by completing this form and mailing it to: