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Where can I file my Taxes for Free?. and Video

Where can I file my Taxes for Free?, NEF2.COM


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Where can I file my Taxes for Free?


Where can I file my Taxes for Free?, NEF2.COM


Where can I file my Taxes for Free?

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MY APARTMENT TOUR!! * Video

MY APARTMENT TOUR!, NEF2.COM


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MY APARTMENT TOUR!

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HOST: NEF6.COM

Pièces auto neuves au meilleur prix, MISTER AUTO, my auto de.

#My #auto #de


Trouver mes pièces auto

Depuis qu’elle a été créée en 2007, la société Mister Auto s’est imposée comme un des leaders européens dans la vente de pièces auto, proposant un large choix de produits de qualité à petits prix. Vous recherchez une pièce pour un modèle de voiture en particulier ? Vous êtes à la recherche de pièces détachées neuves à prix discount ? Grâce à notre catalogue complet, vous pourrez trouver tout ce dont vous avez besoin pour remettre votre véhicule en état : des pièces auto indispensables comme les freins, les filtres, la suspension et l’embrayage, les accessoires auto, et bien d’autres encore. Grâce aux efforts fournis pour garantir un excellent service, rapide et de qualité, nous avons à ce jour pu satisfaire les exigences de plus d’un million et demi de clients, partout dans le monde (dans plus de 21 pays !). N’attendez plus pour acheter des pièces auto en ligne sur le site Mister-Auto.com.

Vous recherchez une pièce détachée d’origine ? Sur notre site vous trouverez des pièces auto d’origine pour plus de 50 marques différentes, dont Peugeot, Citroën, Renault, Audi, Ford, BMW, Mercedes, Nissan et beaucoup d’autres encore. Grâce au moteur de recherche interne vous pourrez trouver exactement la pièce qu’il vous faut, sans vous tromper. Explorez notre catalogue tout simplement pour trouver la pièce qu’il vous faut. Dès que vous aurez sélectionné votre pièce de rechange, il vous sera possible de faire une recherche par marque, série, modèle et motorisation. Ou, plus simple encore, vous pourrez faire une recherche par plaque d’immatriculation ou par numéro de carte grise ! Trouver LA pièce auto compatible avec votre voiture n’aura jamais été aussi facile !

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Toutes les pièces détachées disponibles sur Mister Auto sont homologuées et respectent les standards européens de qualité et sécurité : en commandant sur notre site vous aurez la certitude d’acheter des produits fiables et certifiés, fabriqués pour durer. En plus de vous offrir la meilleure qualité, nous vous garantissons aussi d’importantes économies sur votre budget auto. En achetant nos pièces directement chez les plus grands équipementiers -avec lesquels nous sommes en relation au quotidien- nous vous proposons régulièrement de nombreuses promotions et offres spéciales, en plus de prix extrêmement compétitifs : jusqu’à -60% sur le tarif public équipementier. Acheter des pièces auto à prix discount sur Mister-Auto.com c’est le bon plan !

Pourquoi acheter des pièces auto sur Mister Auto ?

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My final thoughts on Ford cardio van from uhaul? + Video

#My #final #thoughts #on #Ford #cardio #van #from #uhaul

My final thoughts on Ford cardio van from uhaul, REMMONT.COM


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My final thoughts on Ford cardio van from uhaul


My final thoughts on Ford cardio van from uhaul, NEF6.COM

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How Do I Sell My Annuity?

#can #i #sell #my #annuity


Annuity Payment FAQs

Have questions about annuity payments and how you can sell annuity payments for cash? Get the 411 on everything you need to know with our Annuity Payments FAQ.

Can I sell part of my Annuity?

Yes, you can sell part or all of your annuity payments.

Here are some options:

  1. You can sell 3, 5 or 10 years for a lump sum
  2. Sell all of your payments
  3. Sell a percentage of each payment
  4. Sell a single payment due in the future

When you call Woodbridge, our experienced account executives will discuss your financial needs with you, review your options, and help you see which type of deal can work best for you!

Cash for annuity payments – Is it a good idea for me?

The answer is yes and no. Selling your annuity payments for cash should not be done without carefully assessing your existing financial situation, and considering what your future would look like without having a steady stream of that cash, month after month. On the other hand, selling your annuity payments for cash has a terrific upside. The most important is that you will receive one lump sum of cash that represents all the payments you would have received over time.

How Can I Get Cash For My Annuity Payments?

If you are presently receiving – or scheduled to receive. monthly or annual payments from an annuity, whether it’s from an insurance company, through lottery winnings, or some other long-term financial agreement – you may also be considering the option of getting cash for your annuity payments for one lump sum. In fact, thousands of people across the United States have already done so.

How do I know if selling my annuity payments is a good idea?

Selling your annuity payments for cash should not be done without carefully assessing your existing financial situation. Consider what your future would look like without having a steady stream of that cash, month after month. If that worries you, you should speak to a financial advisor and explore all of your options.

If your financial future would be improved by having access to a lump sum of cash now, rather than steady payments over time, then you may want to consider selling all or a portion of your annuity payments.

How do I sell my annuity for cash?

It’s easy. Click here to get to our “Get a free quote” page, tell us a little about you, and we’ll contact you right away to help you get the cash you want, when you want it.

Or you can call us at 866-708-0422. Before you know it you’ll be well on your way to financial security.

How long does it take to get a free quote?

Our experienced account executives will review your information and provide you with a FREE no obligation quote within 24 hours after you contact Woodbridge.

How long does it take to get the lump sum cash for my annuity?

Woodbridge works hard to complete your transaction quickly so the lump sum you’re looking for can be yours quickly. The process usually takes about 30 to 90 days, depending on state requirements and court availability.

Is it legal to sell my annuity payments?

Absolutely. In fact, legal regulations protect your best interests throughout the entire process. That said, you’ll obviously want to work with an established, trustworthy firm like Woodbridge.

What are the benefits of selling my annuity?

From buying a new home for a growing family to building a new business and solving unforeseen hardships, selling all or part of your annuity payments to Woodbridge means you’ll have access to immediate cash.

What can I do with the cash for my annuity payments?

Simply put, you are free to spend it however you see fit. Pay off your high interest credit cards, remodel your home, buy a vacation home, pay for your child’s – or grandchild’s – education� it’s entirely up to you.


Finish My Degree OKC

#finishing #my #degree #online


#

Welcome to FinishMyDegreeOKC.org!

If you are an adult living in the Oklahoma City metropolitan area who has some college credits but no degree, this is the place for you. On this website you will find more than 20 area schools, colleges and universities that can help you complete your college degree. Many of these schools have degree completion programs designed just for returning adult students! Please note that while many of the links below will take you to a web page dedicated to returning adult students, other links will only take you to the school’s general admissions page. When you contact an admissions office at one of those schools, ask for the admissions officer who works with returning adult students.

Also on the site:
On our FAQ page you will find answers to questions about financial aid, avoiding “diploma mills” and assistance available for military veterans.
The Resources page. we’ve included links to several websites devoted to returning adult college students as well as links to sites regarding financial aid.
The Calendar page will provide a schedule of job and career fairs in the metropolitan area.

Remember, it’s not when you start, it’s how you finish. Good luck!

Public Four-year Institutions


University of Central Oklahoma
100 N. University Dr.
Edmond, OK 73034
Tony Gregory
405.974.2456


University of Oklahoma Health Sciences Center
1106 N Stonewall Ave.
Oklahoma City, OK 73117
405.271.2416


University of Oklahoma Norman Campus
1610 Asp Avenue
Norman, OK 73072
405.325.1061
Missy Heinze
405.325.3333
Cathy Yeaman


University of Science and Arts of Oklahoma
1727 West Alabama Ave.
Chicksaha, OK
405.574.1357
800.933.8726

Private Nonprofit Four-year Institutions


Is There Any Benefit to Refinancing My Car? #simple #loan #calculator


#refinancing car loan
#

Is There Any Benefit to Refinancing My Car?

Many people wonder whether or not it is beneficial to refinance my car loan. The simple answer is yes. Refinancing can save you hundreds, maybe even thousands over the life of your auto loan. The point of refinancing is so that you can get a better interest rate on your loan.

Lowering your interest rate by even one single percentage point can result in huge savings. Remember, car loans are normally more than three to six years in term length and all those months of interest add up. Here is the process you should follow to go about refinancing your car.

Meet With Your Current Lender

You should first get all of your necessary paperwork together. This includes your insurance, title papers, and any information regarding the car.

Next, you should meet with your current lender to talk about your loan. Don t start discussing better rates with them instead, talk about the amount you need to pay off your loan completely. It probably won t be the same as the total amount you owe. It can be less for paying it off early however there may be prepayment penalties.

Credit Score

Getting a better refinance rate is all about your credit score. Chances are, if you are paying a higher interest rate than the current market, it was because your credit score was less than stellar initially. You should check your credit score using sites such as Experian or TransUnion. You can have one free check per year that will not deduct points from your score. If your credit score is better than it was when you signed the loan, refinancing will definitely get you a better rate.

When you start the refinancing, it adds and subtracts what is called a trade line from your credit. Whenever a loan is refinanced, there is one lender that is being paid off in full and then another one comes into the picture with a new hold on the car. This change is noted on your credit, but it has no negative impact. All credit lines on your credit report will be updated on a monthly basis. This gives the rating agencies an idea on how you might be taking care of your debt load.

Benefits of Refinancing

Another reason you may want to refinance your car is raise yourself above other forms of credit. Once you have equity in your car, you can structure a new loan so the finance company will give you a check to use to pay off credit cards or make an extra payment or two on your house. Since interest rates on credit cards are so much higher than on car loans, it is very advantageous eliminate credit card debt as quickly as possible.

Sometimes lenders offer other types of incentives for opening a new loan with them. This can be an offer to make a payment for you or allowing you to skip a payment, without falling behind in your payments. This can be very helpful when you have a need to make repairs to your house or another car. You could even apply the money you save to the loan and have one less month to make payments or use the money towards a vacation or back to school needs.

Possible Problems with Refinancing

If the new company fails to pay off the entire amount of the old loan then your credit is at risk. Though widely uncommon, if you are not aware of this and the old loan is neglected, it will go into default and your credit will suffer accordingly.

Of course, the biggest effect on your credit is if you fail to pay the new loan and default on it. This will always have an adverse effect on your credit and immediately lower your credit score with rating agencies.

Research Quotes

Next, you should shop around for various vendors to find any better rates. You can use an auto loan refinance calculator to also help you figure out what your new loans would be fairly quickly. Other quotes will break it down for you and can usually be done online and within an hour. These quotes are sometimes inaccurate, so it helps to talk to a lender or even have an appointment with one. You will then need to transfer the title to the new lender and pay the small transfer fee.

In summary, refinancing your car loan is a great idea. Refinancing allows you to trade in your current loan for a new loan with another lender, but with a lower interest rate. This can save you lots of money over the life of the loan.



Faxless Payday Loans – My Canada Payday #installment #loan #calculator


#faxless payday loans
#

Online Faxless Payday Loans

Are you currently in a situation where you are lacking in your finances? Perhaps you are feeling stressed out as a result and wondering how you are going to be able to meet your impeding financial obligations, such as paying your rent/mortgage or even buying groceries. Asking a close friend or family member to borrow some money may not be an option, and going through the long and drawn-out process of applying for a traditional bank loan may be out of the question due to time restraints or poor credit on your part. Regardless of your current financial situation, the good news is that you always have the option of applying for a faxless payday loan.

What is a Faxless Payday Loan?

First of all, a payday loan is a small loan of under $1500 that you can take from a private lender to assist you in covering your expenses until your next payday. The concept of a payday loan is that the borrower should be able to get quick and easy money, and then pay it back with a bit of added interest with their next paycheck. This is often ideal for people in situations just like yours where they just need a bit of extra cash to get them by until payday.

Up until fairly recently, payday loans have been offered only from traditional storefronts. These stores used paper records such as printed bank statements and pay stubs from a borrower’s employer to determine creditworthiness. When payday lenders added the ability to lend money to people from home, they did so by simply extending their existing business model to take those same documents by fax instead of in person. With the increasing ubiquity of internet access, many lenders begain offering faxless payday loans which allowed the applicants to send these documents via email if they had access to a scanner.

My Canada Payday has gone a step beyond this, and allows customers to submit their bank statements using a screen capture application. Borrowers no longer need to have paper copies of their statements, which is increasingly common in this paperless era. The entire process of downloading the screen capture application and submitting the banking details takes less than five minutes and under optimal conditions means that a loan contract will be delivered to the customer in less than ten minutes.

What You Need to Know

Since payday loans are meant to be short-term personal loans, the amount that you may get approved for can vary depending on your current income and how much you need to borrow. Therefore, you should not expect to be able to use a payday loan for larger expenses. In most cases, the maximum amount that you can get approved for with such a loan is based on the amount you make per paycheck with your current place of employment and is capped off at a certain amount for most lenders.

Furthermore, you should be careful to only borrow what you know you will be comfortably able to pay back within a few weeks. Your repayment terms, including how long you will have to pay off the loan, will be outlined in your loan agreement. Take the time to read through this before you agree to a payday loan so that you know what to expect when it comes time to repay the loan, which will likely come soon after you receive the funds. You should also be aware that most payday loans have a higher interest rate than a traditional loan, so be sure that you are aware of what your interest rate is and how it will affect your repayment amount as well.

Overall, payday loans can be a great way to get the money that you need without the hassle of a traditional bank loan. Furthermore, faxless loans can make the process of applying and getting approved even easier. If you are in a difficult financial situation, be sure to keep this option in mind.



How Long Should My Car Loan Be? #provident #loan


#how to get a car loan
#

How Long Should My Car Loan Be?

1 of 3

Most people have a rough idea of what monthly payments will fit their budget when it comes to buying a car. That figure is usually what they target when they’re making a deal. However, this monthly-payment mentality is making car buyers lose track of the bigger picture: the total cost of the car and the length of time it will take to pay it off.

Edmunds data tells the story: Since 2002, the average car loan term has slowly crept past five years, and is now inching past six-and-a-half years. In 2014, 62 percent of the auto loans were for terms over 60 months. And nearly 20 percent of the loans were for 73- to 84-month terms.

“Consumers are battling two things,” says Melinda Zabritski, director of automotive credit at Experian. They are trying to get a good interest rate and a reasonable monthly payment. But sometimes the five-year loan has a monthly payment that is too high for them, and they end up financing for a longer term, even if it costs them more down the line, according to Zabritski.

Is there any benefit to having a six- or seven-year car loan? Aside from having a lower monthly payment, no. In fact, there are many reasons why you shouldn’t choose such a long car loan term.

Higher Interest Costs

The longer you finance a car, the more interest you will have to pay on it, both in terms of the rate itself and the finance charges over time. Edmunds recommends a 60-month loan, less if you can manage it. Here’s how the numbers look when you compare a 60-month loan to a 72-month loan.

We chose a 2015 Toyota Camry XLE V6 with a few options as our example. Its True Market Value (TMV ) is close to the average price of a new car in 2014. Edmunds data shows that the average down payment for a 55-60-month loan in 2014 was $4,689. We entered those numbers in our loan calculators. After tax, title and the down payment, the total amount to be financed was $29,800.

The average interest rate for a 55-60-month loan in 2014 was 2.41 percent, according to Edmunds data. The buyer would have a monthly payment of $528. The finance charges over the life of the 60-month loan would be $1,861.

Contrast that with a 72-month loan we plugged into our calculator. The interest rate would be higher, according to Edmunds data: It was 5.9 percent for loans of 67-72 months in 2014. It’s common for longer loan terms to carry higher interest rates, Zabritski says.

The data also shows that the longer loan a person takes out, the lower the down payment. People taking out loans in the 67-72-month range had a down payment of about $2,440 in 2014.

In this 72-month loan scenario, the monthly payment, $531, wouldn’t be much different from the payment under a 60-month loan, and the buyer would have paid less out of pocket. It may seem like the way to go, until you look at the finance charges.

The finance charges for the loan would be $6,182. That’s more than three times the interest for a 60-month loan. And not only will it take the person a year longer to pay off the loan, it will also take them longer to build equity in the car. Here’s why that’s a problem.

Negative Equity

A new car typically depreciates about 22 percent in its first year. At the beginning of a car loan, the buyer is typically “upside down ,” or “under water,” meaning he owes more than the car is worth. The situation is made worse if the buyer hasn’t made a large enough down payment .

Based on Edmunds data, most people aren’t making a big enough down payment to keep from being upside down longer than necessary.

The time it takes you to get “above water” and build equity in the car will vary, based on the car you bought and how much of a down payment you’ve made. But one thing doesn’t vary: The longer your car loan, the longer it will take you to build equity.

When you have no equity in the car, you can’t sell if it you need the money in an emergency: if your other bills get out of hand or you lose your job, for example. It also gives you fewer options if you get tired of the vehicle. A buyer will only pay you what the car is worth, not what you owe on it. You’re stuck with the balance of the loan.

Similarly, if you get into an accident and the car is totaled, the insurance company will only pay you what the car is worth at the time of the accident. The remainder of what you owe will have to come out of your pocket.

Car Fatigue

We love our cars when they are brand-new, but when romance fades, we’re anxious to trade them in for something else. The average trade-in age for a car in 2014 was six years. It’s not what you’d call an enduring relationship.

If you have a 72-month loan and get the itch to buy a new car around the average six-year mark, you wouldn’t have enjoyed any time without payments, which diminishes the point of car buying in the first place. At that point, you’re better off leasing the car.

If you took out an 84-month loan, you’d have to wait another year to buy. The other alternative would be to roll the balance of the loan into your next car purchase. And that’s a bad idea, adding up to an even longer loan commitment and higher monthly payments.

Contrast these situations with buyers who’ve chosen a five-year loan. At the average trade-in mark of six years, they have already enjoyed almost a year without car payments and have the freedom to sell the car whenever they want.

Low Resale Value

Resale value is another reason to steer clear of extra-long car loans. A 5-year-old car is more desirable and more valuable in the used-car marketplace than one that’s 7 years old.

At five years, a car has lost about 53.5 percent of its new-car value in 2014, says Joe Spina, Edmunds director of remarketing. A 6-year-old car has depreciated by about 59.4 percent.

In other words, the Camry in our example will be worth roughly $15,554 after five years. It drops to $13,580 at the six-year mark.

A dealership will likely give you more money for the 5-year-old car. At that age, it’s a great candidate for the certified pre-owned process (CPO), which means the dealer will have a more valuable car to sell.

On the other hand, a 6-year-old car is right on the edge of no longer being an acceptable CPO car. Some automakers, like General Motors. won’t permit a CPO car to be more than 5 years old. Further, if it has too many miles, it won’t qualify for a CPO program. That means you will get far less for the car as a trade-in.

Alternatives to Long Loans

Let’s say you want to buy a new car, but the monthly payments that are being quoted for the usual five-year loan are too high for you. That may be a sign that you’re shopping outside of your price range. Take a look at the Edmunds “What Can I Afford?” calculator. You start by entering your ideal monthly payment.

After you fill out a few other details, the calculator will recommend a price range and some cars that fall in it. Stick to cars at the lower end of the range and you should be in good shape. Once you have an idea of what you can afford, make sure you get approved for your car loan before heading out to the dealer.

You also could consider buying a used car. Interest rates are a bit higher for used cars, but since the cars cost less, there’s less to finance and the payments will be lower. If you’re not sure what cars to look at, check Edmunds’ Best Used Cars. It will point you in the right direction.

Final Tip

While it is important to know what you can afford in terms of monthly car payments, that shouldn’t be your only measurement of a good car loan. Take a look at all the numbers in the sales contract so that you are fully aware of what you are paying for the car.



Sell Timeshare – Selling Timeshares on the Resale Market #sell #timeshare, #sell #timeshares, #sell #my #timeshare, #selling #timeshares, #timeshares #for #sale, #timeshare #resales, #sell #my #timeshare #now, #sell #time #share, #selling #a #timeshare, #how #to #sell #a #timeshare


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Ready To Sell Your Timeshare?

Why Timeshare Sellers Choose Us

SellMyTimeshareNOW offers more than just timeshare resale advertising .

When you subscribe to our services, we work to get your timeshare seen and sold. And unlike general auction sites like Ebay, we focus on one thing: selling timeshares.

Over the last 10 years, we have invested millions of dollars annually in developing SellMyTimeshareNOW.com and its affiliated websites. Through advanced Internet marketing techniques, we target a global audience of consumers, driving thousands of qualified buyers and renters to our site daily through search engines like Google, Bing, and Yahoo. These visitors turn into offers to rent and buy timeshares from owners like you (see the live feed of offers above for proof of how active our site really is).

Our advertising and marketing efforts have resulted in offers and successful timeshare sales for our customers time and time again. We can also assist you from start to finish in selling your timeshare including affiliated closing and transfer services.

What Former Timeshare Owners Have Said About Us.

“When I decided to sell my timeshare, I had no idea about how to go about doing this and of course who to trust. Trust was the biggest factor! I was afraid of getting ripped off as you hear about all these scams out there. I tried to sell it on my own on Ebay, but that certainly didn’t work. Starwood recommended that I go to SellMyTimeshareNOW. After my first call with them, I felt comfortable and at ease that this was the right place to go. The process could not have been easier. SellMyTimeshareNOW did all the work and guided me through the whole process. They kept me informed the entire way. They were amazing and my timeshare sold in a reasonable amount of time. Trust was no longer a factor. I really couldn’t be happier with this decision!”

Bill DiModugno from Ridgewood, New Jersey

“We contracted with SellMyTimeshareNOW in December of 2011. SellMyTimeshareNOW was very honest with us regarding what we could realistically expect to receive in terms of selling price, and we successfully sold our unit in May of 2012. We are grateful to SMTN for their efforts on our behalf. We would certainly use their services again.”

Anthony W. Lista from Reading, Pennsylvania

“My husband and I contacted Sell My Timeshare NOW to list our timeshare week in Maui. We found the representative extremely helpful and professional. A buyer was found within a few months and the transaction was handled promptly and efficiently. When the buyer failed to complete the sale, Sell My Timeshare NOW was ready to relist the property and find another buyer. During the entire process the staff was available to take our calls and address our concerns every step of the way”

I would be happy to recommend Sell My Timeshare NOW to anyone looking for a competent, reliable company to sell their timeshare and handle all documentation with a positive and friendly attitude!

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Your Premier San Antonio Movers

Top-Notch Moving in San Antonio with All My Sons San Antonio Moving Company

San Antonio Texas is the seventh largest city in the country. With many popular sites to see, from its amazing zoo which is noted as the third largest in the country, to the hot spot of The River Walk-flanked with boutiques and eateries alike and of course the historic Alamo is undeniably an experience all by itself. But wait there s more! Don t forget Sea World, Fiesta Texas-a Six Flags theme park, sports and more, you name it, it s here. We re only missing you! Moving anybody?

All My Sons Moving Storage, San Antonio is the source for all of your moving and storage needs. Our family-owned San Antonio moving company has been managing moves like yours for over four generations, and we are certain that our proficient team of movers will deliver the best moving experience ever!

Our family of professionals start by providing you with a one-on-one consultation with a relocation specialist to cover every aspect of your move. On moving day, your movers will arrive ready to execute a well laid out plan to ensure that your move is fast, efficient and safe. Safety is paramount for our team, and we recommend taking full advantage of our custom packing services that offer the best protection for your dishes, electronic equipment, and other specialty items. Or, allow our San Antonio movers to bring our durable and sturdy moving boxes and packing supplies to your door step.

In addition to our moving services, we also provide storage for your valuables All My Sons Moving Storage, San Antonio offers climate-controlled storage in a secure environment. If you are in need of storage your movers will pick up and deliver your items for you.

Our local movers are licensed, insured, and risk management certified. We are available to assist you with any type of move, from corporate moves to cross-country moves. You name it, and our moving staff can handle it with excellence. Our San Antonio relocation team values your comfort and peace of mind, therefore we are seeking to provide you with total customer satisfaction. Call All My Sons today for a free quote.

Give us a call at 210-225-8700 and speak with one our San Antonio certified moving consultants. Let our team get you the best San Antonio local mover s rate available today.

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What Our Customers Are Saying



18 Sneaky Ways to Build Brand Awareness #ways #to #promote #my #business


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18 Sneaky Ways to Build Brand Awareness

By Megan Marrs | Aug 9, 2017

When you need a tissue, do you ask for a tissue, or for a Kleenex? When you’re ordering a drink at a fast-food restaurant, do you ask for a cola, or a Coke? What about when you cut yourself? Do you look for a plastic bandage, or a Band-Aid?

These terms are known as proprietary eponyms, and they’re the apex of brand awareness. These brands have become so well-known, they’ve replaced the generic terms for similar products in our language.

For a brand or product to become a proprietary eponym is pretty much the pinnacle of brand awareness (sorry, Pepsi). Although you might not achieve this in your business, that doesn’t mean you can’t do a lot more to boost awareness of your brand.

While there’s no quick fix for becoming a household name, here are 18 brand-building strategies to help launch (and continue) your efforts. You may not become as well-known as Coca-Cola, but it can’t hurt to try, right?

Here are our best pieces of brand-building advice.

1. Referral Programs

Users will gladly spread word of your product or service when they know they’ll get an added perk. Dropbox is a great example of how smart referral programs can growth hack a business. Dropbox gives existing users 500 MB of extra storage space for every friend they refer (up to 16 GB). Back when Dropbox was still new, this referral program helped generate tons of word-of-mouth. delivering a huge number of sign-ups and saving Dropbox countless advertising dollars.

2. Impressive Guest Content

Another great way to get your brand known on the web is to deliver ultra valuable, gorgeous looking content to share on other blogs. Guest posting (despite what some might tell you) is still a powerful way to get your name known in your industry.

However, run-of-the-mill content won’t cut it – you need to be guest publishing high-quality stuff. Create memorable, valuable content and you’ll be introduced to new audiences and make a lasting impression.

3. Infographics

Infographics are a bright and colorful way to display interesting marketing data and statistics. These content powerhouses often get shared far and wide, making them a great tool for brand building and thought leadership.

Take a look at the infographic WordStream produced earlier this year – it got thousands of social shares and brought in valuable links as well!

4. Freemium With Credit

Many awesome online products allow users to choose from a free version, which includes a watermark or credit line, or the option to upgrade to the paid version, which allows users to remove the mark or replace it with their own logo. While many users will opt for the free version, they’ll also be promoting your brand to others users. Some of those new users who see your product will go with the paid version! Providing a freemium product means getting yourself in front of more eyeballs, building your brand and bringing in paying customers.

5. Local Partnerships

Another great brand building strategy is to get involved with local partnerships (this is tremendously important for local-oriented businesses. but can be applied for other businesses as well). Partner with other local businesses to hold join intro seminars or festivals. Sponsor local sports teams and donate to charity events. Getting your brand plastered around festivals and events will do big things for your brand.

6. Car Wraps

A classic tried-and-true strategy for building your brand is getting a car wrap! Car wraps are customized designs that can cover your entire car (don’t worry, you can still see through the windows)! They can attract a hefty amount of attention, and it’s a great way to ensure that wherever you go, people are becoming more familiar with your brand. Wrap your company car or even your own personal vehicle!

7. Freebies

Everyone loves free stuff! Put your brand name on koozies, pens, Frisbees, etc, then give away your items at local festivals.

Koozies from Philly Phaithful

8. Social Media Contests

Run a social media contest in which contestants submit a photo or video, with other users voting for their favorites. Contestants will share the link with friends and family to get more votes, building your brand awareness as a result.

A contest hosted with the help of Woobox

9. Social Focus

With the number of social networks constantly increasing, trying to do active social media marketing on all of them is a fool’s errand. If your business is best suited to a particular network, then don’t be afraid to put the majority of your energy into a few sites. For example, photo-heavy sites might focus on Instagram and Pinterest. B2B companies often do best on Twitter, whereas small businesses in creative industries (like craft marketing ) can do well on Instagram. Know where your audiences hang and focus on those networks. You won’t want to totally abandon the other social sites, but save your biggest efforts for what you know works. Not sure about your core network? Start digging into analytics to see where your referral traffic is coming from.

10. LinkedIn Publishing

We already talked a bit about the value of guest posting, but there are also other methods to get published and spread your name across the web. Recently, LinkedIn began letting all users publish posts right to LinkedIn via the publishing tool. If your posts get enough attention, it could wind up in the LinkedIn home stream for many users. As an added bonus, having posts attached to your LinkedIn account also helps establish you as a thought leader. Of course you can also always set up your own company blog and post there – just make sure you share and promote your posts after publishing.

11. Pro Story Telling

Want to be a memorable brand? Start with stellar storytelling. If you can create emotionally moving, compelling stories that connect deeply with users, they won’t soon forget your name. Here are some storytelling tips to get you started

12. Unique Personality

One surefire way to increase band awareness is by giving your brand a fun, unique brand identity. If you work in an industry were a little dose of comedy or personality is appropriate, being outrageous can make your brand extremely memorable.

A few major examples of businesses who inject humor and comedy into brand promotion include Old Spice, Poopouri, and Dollar Shave Club.

Not only did these hilarious ads leave an impression with audiences – they also became viral sensations, shared across the web and driving sales.

13. Podcasts

Starting your own industry podcast where you interview industry experts is a great way to build your brand while also developing relationships with others in your field. Some industries, like marketing, already have a hefty number of podcasts that would be tough for a beginner to compete against. (Here are a few of our favorite marketing podcasts .)

However, for niche industries where there isn’t much on the airwaves, you could easily make yourself a household name.

14. PPC Advertising

With SEO becoming more competitive every day, while organic Google real-estate shrinks, PPC is a smart solution for getting your brand seen on Google. With targeted keyword research, you could be showing up at the top of Google for relevant searches. Even if users don’t end up clicking on your PPC ad, seeing your name at the top of the search results makes an impression and is incredible for building brand awareness. Check out PPC University if you’re not sure where to start.

15. Remarketing Campaigns

Remarketing is a pro strategy for boosting that good ol’ brand awareness. Why? Remarketing involves showing ads to users who visited your site, but left before converting. Remarketing ads are placed all across the web on sites your customers visit. Soon they’ll be seeing your business everywhere – on their favorite blogs, while shopping online, etc. This gives the impression that your brand is much larger (and has a much bigger ad budget) than it really is. And it’s a great way to increase your conversion rate.

16. Paid Social Advertising

Organic social marketing is becoming more difficult by the day, leading more businesses to turn to paid social advertising. Facebook and Twitter ads are relatively cheap and help get your brand seen on social. Whether or not users convert immediately, every added piece of familiarity counts when users finally are ready to make a purchase.

17. Controversy

While this strategy isn’t for everyone, one way to get your brand noticed is by being controversial. Take an unlikely stance on a hot industry topic, and you may find yourself attracting quite a bit of attention. Whether it’s good or bad attention depends on the subject matter and your approach. Then again, there’s no such thing as bad press (so they say anyway).

18. Influencer Marketing

Getting friends in high places is another easy way to boost your brand awareness. Find existing influencers in your industry whose business you could potentially complement, rather than compete with. Make use of your partner’s influencer network to promote your brand (while also building up valuable partnerships you can continue to make use of long-term).

With these brand awareness tips, you’ll be a super-star brand in no time. Any bonus pieces of brand awareness advice you want to dispense? Add your thoughts in the comments.



Money Girl: 6 Tips to Sell a House Fast in Any Market #sell #my #house #fast #phoenix


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6 Tips to Sell a House Fast in Any Market

If you ve ever been in a situation where you need to sell a house fast, you know how frustrating it can be. Day after day, you hope the perfect buyer will come along and make a great offer.

Fortunately, there are ways to speed up the sale of your home. without sacrificing profit. In this episode, I ll give you 6 tips to sell your home as quickly as possible, in any real estate market.

How to Sell a House Fast in Any Market

I m sure you know that real estate markets vary drastically depending on where you live. I relocated from central Florida to the San Francisco Bay Area in 2013, and am still experiencing real estate sticker shock!

For instance, according to Zillow.com. the median home value in the San Francisco metro area is $688,600. The median for the Orlando metro area is just $161,600. Spending $500,000 on a home in central Florida buys you a mansion on a lake, while you d be hard-pressed to find something habitable for that price on the San Francisco peninsula.

In most of the U.S. real estate values have generally rebounded from the lows we saw in 2011. Plus, rising rents and cheap mortgage rates are pushing more renters to consider becoming homeowners in many markets.

So, if you re considering selling your home, it may be a good time. But before you put out the for sale sign, follow these 6 tips to make sure you sell as quickly as possible–and for the best price:

Selling Tip #1: Improve Your Curb Appeal

Nothing is more important than a first impression. So consider what a potential home buyer may think as he or she drives up to your property for the very first time.

Walk out into your street and look–and I mean really look–at your home to see its shortcomings. Is it attractive, clean, and well-kept, or does it need maintenance that you ve been putting off?

After you ve been in a home for a while, it can be difficult to see it objectively. So take suggestions from a real estate professional, friends, or prospective buyers about how to make it show better.

When your home is on the market, it s critical that your landscaping is well-groomed and your lawn is mowed 24/7. Plus, your driveway, exterior porches, and exterior walls must be clean, too.

If you put money into cleaning up the outside of your home, I can guarantee that buyers will be more likely to take a tour of the inside. Curb appeal is what draws buyers in, helps maintain their interest, and sets your home apart from the competition.

Remember that unless you re willing to discount a home s price well below market value, prospective homebuyers generally won t want to buy a house that needs a lot of work.

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How can I borrow money from my life insurance policy? #can #i #borrow #from #my #life #insurance


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How can I borrow money from my life insurance policy?

96 % of people found this answer helpful

While borrowing from your life insurance policy can be a quick and easy way to get cash in hand when you need it, there are a few specifics to know before borrowing. Most importantly, you can only borrow against permanent or whole life insurance. Term life insurance. a cheaper and suitable option for many people, does not have a cash value and expires at the end of the term, generally anywhere from one to 10 years.

A whole life policy is more expensive but has no expiration date. The term lasts the lifetime of the insured. While the monthly premiums may be higher, the money paid in to the policy exceeding what is needed for the death benefit is invested by the life insurance company, creating a cash value after a few years. The whole life policy essentially has two values: the face value, or death benefit, and the cash value that acts as a savings account. Once the money invested increases the amount of the death benefit, the tax-free cash value can then be borrowed against. It is also important to understand that the policy loan is not taken out of your death benefit, but borrowed against it, and the insurance company is using your policy as collateral for the loan.

Unlike a bank loan or credit card, policy loans do not affect your credit and there is no approval process or credit check since you are essentially borrowing from yourself. When borrowing on your policy, no explanation is required about how you plan to use the money, so it can be used for anything from bills to vacation expenses. The loan is also not recognized by the IRS as income, therefore it remains free from tax. However, the policy loan is still expected to be paid back with interest, though the interest rates are typically much lower than on a bank loan or credit card, and there is no mandatory monthly payment.

Even with low interest rates and a flexible payback schedule, it is still important for the loan to be paid back in a timely manner. Unless it is paid out of pocket, interest is added to the balance and accrues whether the bill is being paid monthly or not, putting your loan at risk of exceeding the policy s cash value and causing your policy to lapse. Insurance companies generally give many opportunities to keep the loan current and prevent lapsing. However, in the event of a policy lapse, taxes must be paid on the cash value. If the loan is not paid back before the insured person s death, the loan amount plus any interest owed is subtracted from the amount the beneficiaries are set to receive from the death benefit.

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Calculate My Loan Payment #student #loan #information


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Gaining at the least 1000 Calculate my loan payment a month is necessaryLoans British are compact cause of fund that can be benefited with regards to your forthcoming pay day advance. Minimal rate usecured bank loans are typically anchored as the name indicated, as they are available in a guarantee bond.

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New Calculate my loan payment york boasts the budget lending options Calculate my loan payment because of their respected clientelle remaining intent for your wish auto. A fitness-similar crisis or possibly automobile explanation might also inspire one to pick a quick payday loan.

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As you would like the short money currently and as outlined by each one of these Calculate my loan payment situations, built suits you the best. Although the demerits are a small amount Calculate my loan payment does apply for.

This has been proven to work by several buyers in order to avoid real estate foreclosure and preserve their house.



Cars in Bankruptcy: What Happens To My Car if I File? #auto #loans #calculator


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Cars in Bankruptcy

Can You Keep Your Car If You File Bankruptcy?

Many people who file for bankruptcy and own a car are allowed to keep it during and after their case, especially if it is used for getting to and from work.

If you are behind on car payments, you may be able to use bankruptcy laws to keep your vehicle in your possession.

Both types of personal bankruptcy address cars, car loans and vehicles you own outright:

  • The automatic stay in bankruptcy is designed to stop repossession. In most cases, this goes into effect right after you officially file for bankruptcy.
  • Chapter 7 bankruptcy exemptions may protect your car from a forced sale.
  • Filing for bankruptcy under a Chapter 13 may allow you to repay your car loan at a more affordable rate so that you don’t lose your car to collectors.

Keep reading or fill out the below form to ask an attorney if a bankruptcy could help you save your car.

What Happens When You File for Bankruptcy?

Get answers to your bankruptcy questions.

Learn how you may be able to use bankruptcy to save your car, home or other assets.

For a free bankruptcy case evaluation with a local bankruptcy lawyer, complete the below free form:

Car Loans Under Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed to help eliminate unsecured debts such as credit cards debt or medical debt, but may provide protection for secured debts such as cars.

If you own your car outright, and owe no debts on it, then your car may be fully protected from repossession or forced sale due to Chapter 7 exemptions.

One important aspect when filing bankruptcy is whether you have a clear title to your car. If you have pledged your vehicle as security for a debt, or if you are financing or leasing a vehicle, you likely have three options for secured car loans when you file Chapter 7 .

1. Reaffirm: A reaffirmation agreement is a contract between you and the car creditor in which you agree to pay the balance owed on your car note, despite the bankruptcy filing.

You continue to make payments and the creditor promises that, as long as payments are made, they will not repossess or take back the property.

Reaffirmed debts are not discharged and the debt survives the bankruptcy.

If you do not make your car payments after you reaffirm the car loan, the car lender can repossess the car and sue you for the deficiency balance.

After the finance company repossesses the car, they will sell the car at the auto auction. Usually the finance company does not get enough money from the auction to pay off your loan.This shortfall is called a “deficiency” and you would still be legally obligated to pay the creditor the deficiency balance.

As you can see, the decision to reaffirm your car loan is a serious financial matter.

Reaffirmation agreements are strictly voluntary. You are not required by the Bankruptcy Code or other state or federal law to reaffirm your car loan. Before entering into such an agreement, you will want to speak to a bankruptcy attorney to make sure that the reaffirmation is in your best interest.

2. Redeem: In Chapter 7, you have the right to purchase or redeem your car from the creditor by making a lump sum payment equal to the car’s fair market value.

The U.S. Bankruptcy Code provides that you must pay the creditor the replacement retail cost of the car. The balance of the debt will be discharged.

For example, assume you own a car worth $5000.00, but owe the finance company $10,000.00. In this circumstance, you could redeem the vehicle by paying the creditor $5000.00 and the remaining balance will be discharged in your bankruptcy.

A local bankruptcy lawyer can advise you on the benefits of redeeming your financed car and identifying lenders that will provide the funds for your vehicle redemption.

3. Surrender: If you cannot afford the monthly payments on your car loan or if you determine that you owe more than the car is worth, you can unload the car and the debt in your Chapter 7 bankruptcy by surrendering the vehicle to the creditor.

Car Leases in a Chapter 7

If you are leasing your car when you file Chapter 7 bankruptcy, you can choose to either continue making the monthly lease payments or surrender the car back to the creditor.

If you surrender the leased car, any obligation to repay debt will be eliminated in your Chapter 7 bankruptcy case.

Car Loans in a Chapter 13 Reorganization

If you have fallen behind on your car payments, you may be able to file a Chapter 13 bankruptcy to stop the repossession of your vehicle. The amount you have to pay for your car depends upon when you bought your car.

If you own your car outright, and owe no debts on it, then your car should be fully protected in Chapter 13.

910 Claims: If you bought your vehicle within 910 days of filing your bankruptcy case, you must repay the entire car loan.

The good news is that the interest rate you pay on your car loan may be significantly reduced.

For example, if you owed $10,000 on a car loan whose blue book value was only $5000, you would be required to pay the entire $10,000 balance if the car was purchased less than 30 months, or 910 days, of filing. In short, debtors who want to keep their cars must pay the full loan amount rather than “cram down” the debt to the value of the car.

Cram Down: If you bought your car more than 910 days before you file bankruptcy, you will only have to repay an amount equal to the present value of the car.

For example, if you owed $5000 on a car that is worth only $2500, upon filing Chapter 13 you would be required to repay the finance company only $2500 over the three-to-five year term of your Chapter 13 repayment plan.

Car Leases Under Chapter 13 of the U.S. Bankruptcy Code

Your car lease usually cannot be paid through the Chapter 13 bankruptcy repayment plan that you devise with your bankruptcy attorney.

You can “assume” the lease and continue making the monthly payments. You can also “reject” the lease and return the car to the creditor.

The creditor will sell the leased vehicle, apply the sale proceeds to your lease balance and then file a claim in your Chapter 13 bankruptcy case for the lease deficiency.

This deficiency is an unsecured, non-priority claim, which means you will likely only pay that creditor pennies on the dollar.

Speak With a Bankruptcy Attorney About Protecting Your Car Today.

If you have questions about how your car will be affected if you file bankruptcy, talk with one of our sponsoring lawyers.

Fill out the form on this page to talk with a local bankruptcy attorney. Bankruptcy laws can be complex and each person’s financial situation is unique. If you’re worried about losing your vehicle, home or other assets, be sure to get the facts from a legal professional.

Don’t wait until the repo truck comes to you door or the foreclosure notices start piling up. Learn how bankruptcy can stop repossession and foreclosure and is designed to silence creditors!

The above summary of bankruptcy law is by no means all-inclusive and is not intended to serve as legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.



Reasons for Putting a Child Up for Adoption #putting #my #child #up #for #adoption


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Reasons for Putting a Child Up for Adoption

by SARA IPATENCO Last Updated: Jun 13, 2017

Sara Ipatenco has taught writing, health and nutrition. She started writing in 2007 and has been published in Teaching Tolerance magazine. Ipatenco holds a bachelor’s degree and a master’s degree in education, both from the University of Denver.

A father with his adopted son. Photo Credit omgimages/iStock/Getty Images

Adoption can provide a beautiful opportunity for couples to become parents if they are unable to conceive their own child. There are many avenues for seeking out adoption just as there are many reasons why some birth mothers and birth fathers decide to put their baby up for adoption. If you are unsure about keeping your baby or just want to know what your options are, the following reasons are some of the most common ones to consider when making your ultimate decision.

Age Of Birth Mother

Many teenagers get pregnant each year, and Healthy Children reports that teenage mothers may not feel physically and mentally capable of providing for their baby so they give another mother the chance to love their child. There are many kinds of adoptions that teenage mothers can consider. Teenage mothers who know that adoption is the right choice but struggle with giving up their baby can explore open adoption. An open adoption allows the birth mother to know the adoptive family so she can remain in contact with her child. A closed adoption is for those who do not want any contact with the adoptive family or the baby.

Unwanted Pregnancy

The National Campaign to Prevent Teen and Unplanned Pregnancies reports that one-third of all pregnancies in the United States are unwanted, with the majority occurring in unmarried women over 20. These women choose to give their baby up for adoption because they know a loving family who truly wants a child will care for and love their baby in their place.

Lack Of Resources

It takes a great deal of time and money to provide what a child needs. Some women choose adoption because they are unsure that they have access to the resources necessary to meet the needs of their child. Pregnancy, a website dedicated to helping parents be successful, reports that choosing adoption is a selfless way to love a child when the birth mother cannot afford to raise the child herself or does not have a support system in place to help her.

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Phone Numbers #telephone #services #in #my #area


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Google Translate Disclaimer

This Google translation feature, provided on the Employment Development Department (EDD) website, is for informational purposes only.

The web pages currently in English on the EDD website are the official and accurate source for the program information and services the EDD provides. Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. If any questions arise related to the information contained in the translated website, please refer to the English version.

The EDD is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information or changes in the formatting of the pages resulting from the translation application tool.

Forms and publications provided on the EDD website cannot be translated using Google Translate. Some forms and publications are translated by the department in other languages. For those forms, visit the Online Forms and Publications section.

Phone Numbers

The phone numbers listed here can be called for Unemployment Insurance (UI) services. There are separate phone numbers for English, Spanish, Cantonese, Mandarin, and Vietnamese speaking customers. A separate phone number is also available for customers who are deaf or hard of hearing.

If you are calling to file a claim, you must call by Friday to receive credit for the week.

UI Self-Service Phone Line

The UI Self-Service Phone Line provides the following services 24 hours a day, 7 days a week in English and Spanish. This number should be used if you do not need to speak with a representative.

  • Get information on your last payment issued.
  • Certify for benefits using EDD Tele-Cert SM .
  • Hear information on how to file a new UI claim or reopen an existing one.
  • Request duplicate 1099G tax information.
  • Find local America s Job Center of California SM locations.

Before placing your call, review Using the UI Self-Service Phone Line to learn about our menu options.

Note: More comprehensive self-service options are available using the Internet with UI Online SM .

UI Phone Numbers by Language

EDD representatives are available by phone Monday through Friday, between 8 a.m. to 12 noon (Pacific Time), except on California state holidays .

Phone Numbers by Language to Reach a Customer Service Representative

ENGLISH

  • Filing Claims
  • Payment Information
  • General Information

ESPA OL

  • Presentaci n de Solicitudes
  • Informaci n sobre su Pago
  • Informaci n General

TI NG VI T

  • N p n xin
  • Th ng tin v chi phi u
  • Th ng tin t ng qu t

Deaf and Hard of Hearing Customers

Deaf and hard of hearing callers can contact the Employment Development Department (EDD) in two ways:

  • Directly (without using the California Relay Service): By teletypewriter (TTY) at 1-800-815-9387. The TTY is a telecommunications device for the deaf and hard of hearing; this phone number does not accept voice calls.
  • Indirectly. Through the California Relay Service. If calling via the California Relay Service. you must provide the EDD phone number to the California Relay Service operator (customers calling outside of California should use their state s relay service).

We encourage deaf and hard of hearing callers to contact us by using 1-800-815-9387, the TTY toll-free number. This will put you in direct contact with an EDD customer service representative who can provide you with Unemployment Insurance services.

Copyright 2017 State of California



How much will charity help your tax bill? #help #with #my #taxes


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How much will charity help your tax bill?

To understand the benefit that charitable donations give to your taxes, first you have to understand how income taxes work. This is something that many people surprisingly misunderstand.

When you earn ordinary income from working at a job, you have to pay income taxes on it. We all know that, of course. What many people don’t quite understand is how the amount you pay is calculated.

Let’s say you are a single person earning $50,000 this year (we’re not going to worry about issues like personal exemptions and other tax issues that would further complicate the issue – we’ll just look at $50,000 in taxable income after such things). To figure out how much taxes you have to pay, you have to look at the income tax rate table. For 2011, it looks like this for single people (there’s a different table for married couples):

For income between $0 and $8,500, you pay 10% in taxes.
For income between $8,500 and $34,500, you pay 15% in taxes.
For income between $34,500 and $83,600, you pay 25% in taxes.
For income between $83,600 and $174,400, you pay 28% in taxes.
For income between $174,400 and $379,150, you pay 33% in taxes.
For income over $379,150, you pay 35% in taxes.

So, as I mentioned, we’re looking at a single person who makes $50,000 a year.

For the first $8,500 of that (the $0 to $8,500 bracket), that person has to pay 10% of the income in taxes. That’s $850 for this bracket (that’s 10% of $8,500).
For the next $26,000 of that (the $8,500 to $34,500 bracket), that person has to pay 15% of the income in taxes. That’s $3,900 for this bracket (15% of $26,000).

For the rest of his pay ($15,500), that person is in the $34,500 to $83,600 bracket, which means that person has to pay 25% of that portion of his income in taxes. That’s $3,875 for this bracket (25% of $15,500).
To figure up the person’s total tax bill, they simply add together those pieces, which totals $8,625. This person will owe $8,625 on their taxes this year.

Now, how can a person lower that amount? The most common way is through deductions. The government gives out standard deductions each year on a person’s taxes. For 2011, that amount is $5,800 for a single person. How that works is that you simply subtract that deduction from the total amount of income the person earned for the year. So, this person’s income for tax purposes is actually $44,200.

So, let’s look at this person’s actual taxes after their standard deduction.

For the first $8,500 of that (the $0 to $8,500 bracket), that person has to pay 10% of the income in taxes. That’s $850 for this bracket (that’s 10% of $8,500).
For the next $26,000 of that (the $8,500 to $34,500 bracket), that person has to pay 15% of the income in taxes. That’s $3,900 for this bracket (15% of $26,000).
For the rest of his pay ($9,700), that person is in the $34,500 to $83,600 bracket, which means that person has to pay 25% of that portion of his income in taxes. That’s $2,425 for this bracket (25% of $9,700).
To figure up the person’s total tax bill, they simply add together those pieces, which totals $7,175. This person will owe $7,175 on their taxes this year.

So, that person’s standard deduction on their taxes actually saved him $1,450. The standard deduction may be $5,800, but it only saved the guy $1,450 because the deduction just reduces his total income for the year in terms of taxes.

Charitable giving works exactly the same way. Every dollar you donate to a registered charity becomes a deduction on your taxes, just like a standard deduction.

Let’s say the person above donates $5,000 to his church (a 10% tithe) and $2,000 to Doctors Without Borders and another $2,000 to L’arche Tahoma Hope. That’s a total of $9,000 in charitable donations.

So, this person makes $50,000 a year. From that, he can either subtract his standard deduction ($5,800) or he can subtract his charitable donations ($9,000). This means that his taxable income – the amount he pays on his federal income taxes – would likely be $41,000. Let’s look at his taxes now .

For the first $8,500 of that (the $0 to $8,500 bracket), that person has to pay 10% of the income in taxes. That’s $850 for this bracket (that’s 10% of $8,500).
For the next $26,000 of that (the $8,500 to $34,500 bracket), that person has to pay 15% of the income in taxes. That’s $3,900 for this bracket (15% of $26,000).
For the rest of his pay ($3,700), that person is in the $34,500 to $83,600 bracket, which means that person has to pay 25% of that portion of his income in taxes. That’s $1,625 for this bracket (25% of $6,500).
To figure up the person’s total tax bill, they simply add together those pieces, which totals $6,375. This person will owe $6,375 on their taxes this year.

In other words, this person’s $9,000 charitable contribution saved them $2,250 on their taxes. That’s because the person was in the 25% tax bracket before the donation and in the 25% tax bracket after the donation, which means that they essentially saved 25% of their donation on their taxes. (Sometimes, a donation will drop you to a lower tax bracket, which is fine.)

However (and this is where the readers pointed out my mistake in the original version of this post ), the standard deduction would save the person $1,450. The actual savings – compared to the standard deduction – for this charitable giving is $800. Charitable giving works best as a tax deduction if it’s coupled with other deductions, such as home mortgage interest.

So, charitable donations are a great thing and they do offer some tax savings, but you don’t save $1 for every dollar you donate. Instead, you often reduce your tax bill roughly a quarter or so for every dollar you donate. That’s still a great little bonus.

Hopefully that clears things up for you!

The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers’ own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger’s own site by clicking on www.thesimpledollar.com .



Medical Coding Resume Sample: Resume My Career #examples #of #medical #billing #and #coding, #resume #my #career


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Browse > Home / Sample Resumes / Medical Coding Resume Sample

The sample below is for a Medical Coding Resume. This resume was written by a ResumeMyCareer professional resume writer, and demonstrates how a resume for a Medical Coding Candidate should be properly created. Our Certified Professional Resume Writers can assist you in creating a professional document for the job or industry of your choice.

Client Billing Specialist │ Customer Support │ Medical Coding
Dependable, detail-oriented and knowledgeable medical coding and billing professional with a track record of stellar customer support and strong communications expertise, Eager to contribute advanced communications, medical coding/billing and problem solving skills toward optimizing the goals of a progressive employer in a Clinical Administrative role. Strong client communications skills, and building a rapport and demonstrating customer-centric initiatives. Proficient in MS Word, Excel, Power Point, and QuickBooks.

Core Competencies
Medical Terminology │ ICD-9, 10 CM/CPT, and HCPCS Coding │ Contract Interpretation │ Medicaid Guidelines
Insurance Verification/Collections Authorizations │ Managed Care │ MS Office Suite │ Tricare Champva
HCFA 1500 Guidelines │ Workers’ Compensation │ COB and HIPAA Guidelines

QUALIFICATIONS PROFILE
 Educated Medical Coding and Insurance billing candidate.
 Successfully trained new hires and external consultants on procedures, standards and resources, quickly bringing them up to speed.
 Quickly develop and implement new procedures and systems and demonstrate enthusiasm, creativity and willing to assume increased responsibility.
 Skilled in dealing with a high volume of competing tasks in a fast-paced environment. Strong focus on problem-solving initiatives and quick resolution.
 Organized, efficient and precise with strong communication and liaison skills, dependable and hard working with extensive background in quality customer support.
 Quickly ascertain customer needs through research and communication and provide quality solutions.
 Highly intuitive with strong self management skills, able to collect and record statistical and confidential information.
 Performed Office Management support for Construction Company, handling all facets of invoice/billing and administrative initiatives.
 As School Lunch Director, prepared compliance Reports to the U. S. Department of Agriculture and prepared documentation of meals served for reimbursement claims to the USDA.
 Supervised department of 7-11 teachers and performed classroom observations (in conjunction with school administrators) for rating teacher performance.

Administrator ABC, St. Thomas, Virgin Islands 2008 to Present
Vocational/Technical Education Teacher
ABC Department of Education ABC High School, St. Thomas, V. I. 2001 to 2006
School Lunch Director- ABC Charlotte Amalie, V. I. 1999 to 2001
Family Consumer Sciences Department Chairperson
V. I. Department of Education ABC High School, St. Thomas, V. I. 1991 to 1994
Vocational/Technical Education Teacher -ABC
ABC High School, St. Thomas, V. I. 1984 to 1990
Vocational/Technical Education Teacher
ABC ABC Junior High School, St. Thomas, V. I. 1972 to 1982

Education
Stratford Career Institute St. Albans, Vermont 2011
Honors Diploma: Medical Billing

Oakwood College, Huntsville, AL
B.S. Secondary Education

Order From Us Securely at ResumeMyCareer.com



Add a Shopping Cart to Your Website #how #to #add #shopping #cart #to #my #website


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Add a Shopping Cart to Your Existing Website

Our shopping cart services are flexible enough to allow for a shopping cart to be added on to most any existing website. The shopping cart is the same dynamic shopping cart system that we offer on our custom sites. We recommend and generally provide the BigCommerce shopping cart. However, under certain circumstances or by request we can add a shopping cart using WooCommerce, Magento, 3dCart, or most any other cart platform.

  • When the site is live, you can do most all store and website operations, including adding/editing products, making coupons, processing orders, etc.
  • Web-accessed tools for day-to-day store operation by store owners and employees.
  • Your online store will be an extremely capable and dependable system.
  • Super dynamic, flexible and stable shopping cart systems with a LOT of features!
  • You can add unlimited products and categories!

Examples of Adding a Shopping Cart to an Existing Website

Here are some examples of sites that I added a shopping cart onto using a subdomain:

  • Existing site: www.gcffa.org (WordPress)
  • Added shopping cart at: http://shop.gcffa.org/ (BigCommerce)
  • So while technically two different sites, they run off of the same domain name and thus are looked upon as one site by the search engines.

Connect Online and Offline Sales

How It Works

How exactly we add a shopping cart to your existing website is going to depend on your needs, budget, timeline, and other factors. We will discuss what you have in mind and then I will provide some recommendations for you. However, in most cases I find that the best way to add a cart to your existing site is to use what is called a subdomain.

A subdomain is used when a second website, with its own unique content (such as an online store), is built but there is no new domain name. Instead, you use an existing domain name and change the www to another name. The subdomain name looks like forums.domain.com. help.domain.com. help2.domain.com (assuming you already host domain.com ).

When Building a Stand-Alone eCommerce Website Might Make Sense:

  • You already have a website and you don t want to do a full redesign and rebuild on it.
  • You can have certain staff manage the store (process orders, manage products, etc) but don t want to give them access to your primary website.
  • You want the full functionality of a high-end eCommerce store, yet can keep your existing website as it currently is. No full website redesign or redevelopment necessary.
  • You think you might later choose to change your eCommerce platform or abandon it entirely, and don t want to worry about your primary website being interrupted.
  • Your existing website is performing well in the search engines and you don t want to chance the wrath of Google by changing your site structure.
  • You are starting your business from scratch and don t have an existing website.
  • Your business is fully eCommerce based. Or better said, your business IS the store.

When building a Stand-Alone eCommerce Website Might Not Make Sense

  • You only have a few items to sell. In this case, we might be able to incorporate a simple solution.

Again, we won t require you to go the subdomain route and in some cases it doesn t make sense. For example, if you currently have a WordPress website and want to sell a few products with only a few options, then perhaps it s better to simply add a WooCommerce system to your existing website. Sometimes that s the better route, and sometimes not.

Help is Here And Start a FREE 15 Day Trial!

Go ahead and try BigCommerce. We will set up and configure a basic store on your behalf. If you like what you see, you can convert your store to a paid account ($29.95 per month), or have us help you. There is absolutely no obligation for your free trial.

If at any time you need assistance with anything related to BigCommerce, feel free to contact AIM Retail Partners, LLC for help. We re pretty good to work with.

Request Your 15 Day FREE Trial of Your Own Ecommerce Website Here.



Online Payday Loans In Ontario – My Canada Payday #free #grants #for #college


#fast loans online
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Payday Loans in Ontario

My Canada Payday is the number one online lender in Ontario. We’re also Canadian owned and operated, based in British Columbia and with offices in Ontario and Nova Scotia.

If you need cash right now, and waiting for your next payroll isn’t an option, what can you do? Here are a few options:

    Look into making use of a post-dated cheque You may speak to your boss about for an early paycheque Talk to the bank to apply for some credit You could consider asking people you know if they are interested in loaning a little money to you You can clear out an RRSP and suffer a considerable fee

Instead, stop stressing. Because we’re an online lender, you can get a loan with My Canada Payday no matter what part of Ontario you live in. Just as long as you are employed, you qualify for a loan with us. The entire process of filling out the application form should take less than five minutes. The whole application and approval process should take less than 30 minutes.

Why borrow with My Canada Payday?

    Fast application processing in a hurry Our staff are speedy and professional Our lending license (#4721539) ensures trustworthiness Faxless approval High level encryption protects all your personal details EFT transfers the funds right in your bank Interac transfer is nearly instantaneous

You’ll be amazed at just how straightforward finding payday loans over the internet has become!



Online Payday Loans In British Columbia – My Canada Payday #hfc #loans


#fast payday loan
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Payday Loans in British Columbia

British Columbia is the home province of My Canada Payday. In fact, our headquarters is located in Surrey. When you borrow from us you are dealing with a local business that will give you fast, excellent service. We have been operating in the loan industry in BC since 2008, so you know you can rely on us.

When you are flat out of cash, just what exactly can you do?

    Try writing a cheque dated for after payroll You can get some dough from a charge card You can attempt giving an IOU as a substitute for money Your employer could offer you a payroll advance Consult to your bank manager and request overdraft protection My Canada Payday might be the solution to your difficulties. We can deal with all the temporary monetary concerns you may have. Our personal loans are speedy, typically in as little as half an hour.

What makes My Canada Payday so terrific?

    We don’t want faxing anything Our provincial permit guarantees quality High grade encryption keeps your application data private Instant Interac transfers Loans processed quickly by professional staff No questions, we don’t want to know why you want the cash The loan deposited by EFT


My Canada Payday Loans – Online Payday Loans in Canada #car #note #calculator


#payday loans canada
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Safe. Fast. Affordable.

Getting a payday loan couldn’t be simpler.

All you have to is fill out a one page form and you are ready to get some money deposited into your account.

Prefer Telephone?

Our customer service agents are happy to help you apply for your loan. It only takes a few minutes to be approved and your money can be in your account in just half an hour. We work hard to approve everyone and pride ourselves on approving almost everyone for a cash advance! We are certain that you will find us to be the best lender in all of Canada.

Vancouver: 604-630-4783

Halifax: 902-332-3579

Toronto: 289-472-5204

Toll Free: 877-730-8406

Prefer to visit a Store?

No Problem! If you’d like to come down to our storefront and do your application in person, have a look at our Store Locations Page

We’ll be happy to help you out!

Fraud Alert

Please be advised that there is a company pretending to be us offering loans. Read more



Emerald ash borer Plymouth MN #bur #oak, #cottonwood, #pin #oak, #red #oak, #swamp #oak, #white #oak, #brown #leaves, #falling #leaves, #chesnut #borer, #oak #wilt, #dying #branches, #tree #injections, #tree #spraying, #tree #fertilizing, #arborist #consultation, #tree #diagnosis, #is #my #tree #sick, #bur #oak #blight


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For more on Cottonwood diseases click on this picture and read more.

Cottonwoods are in the poplar family and often grow to be very large trees. Cottonwoods are fast growing trees that have a huge drawback that often keeps homeowners from planting them. And that problem just so happens to be in their name. The cotton that they produce can be overwhelming when they become larger. Lots of homeowners complain that there yards look like they are covered with snow in the summer becuase the cotton gets so thick.

Despite the cotton problem cottonwood trees are harmed by many insects. So many in fact that I found a really good link that is below that can help you further if you think your cottonwood tree is diseased and may need some attention.

The most destructive insects to the cottonwood trees are cottonwood leaf beetles (shown top right). They infest cottonwood tree and start to eat off all of the leaves. There are many borers that affect the cottonwood trees. Results of what these borers do to a tree can be found on the right side of this page.

Other insects that harm cottonwood trees are leaf curl mites, viceroy butterflies, tentmakers, leaf hoppers and many other insects. Four different fungus rots affect the cottonwood tree. There are also several leaf associated diseases that harm the cottonwood trees as well. Here are some things to look for in your cottonwood tree:

  • Die back in sections or large limbs
  • Woodpeckers are present (they eat the larvae)

Bark: Medium gray color and rugged texture

Height: 100 max

General info: Large deciduous tree native to North America and can live up to 400 years. Trunk can grow to sizes exceeding 10′ in diameter. This tree is often confused with white oak as it is very similar in many ways. Long taproot makes this tree very drought resistant.

Pests and diseases: Bur oak blight and two-lined chestnut borer are the two major issues that bur oaks face in Minnesota.

Leaves: 5-8.5 long, 2.5-4.5 broad, Lobed and ovalite leaves.

Bark: Light to dark gray in color, shallow fissured and scaly.

Height: 80-100′ max.

General info: White oaks are one of the oldest trees in Minnesota. They are known to live up to 450 year of age in the wild. This slow growing tree often grows in forests with similar trees. Tree doesn’t produce acorns until 50 years of age. Often sought after for its beautiful wood which is used in a variety of different woodworking projects.

Pests and diseases: Two-lined chestnut borer is the main pest of this species locally.



Use OFW’s Mobile Apps on your smart device #my #family #app


Use OFW’s Mobile Apps on your smart device.

Streamline co-parenting with the new app from the Our Family Wizard website. The OFW app gives you the ability to access all of your parenting calendars, visitation schedules, events, messaging and more from your iPhone®, Android®, KindleFire® or Blackberry® device.

Easy to use and quick to connect to your OurFamilyWizard account.

Through the website, Our Family Wizard subscribers get access to a full set of co-parenting tools including: color-coded parenting calendars, secure messaging, family information storage (immunizations, important contacts and more), shared expense payment and management and so much more.

• Easily coordinate your shared parenting time schedules while keeping accurate records with the OurFamilyWizard calendar.

• More confidence in requesting parenting time trades through the OurFamilyWizard calendar trade function.

• You don’t have to worry if an email got to where it needed to go anymore with the safe and secure OurFamilyWizard message board.

All entries made on the OFWapp have the same degree of documentation that you would expect from the full Our Family Wizard website. Additional updates will be made regularly to provide even greater connectivity to your Our Family Wizard account.

Since 2001, the OurFamilyWizard website® has been setting the standard for co-parents who wish to manage all aspects of their shared parenting agreement online and all in one place. The OurFamilyWizard website® is so effective that judges in all 50 states, Washington D.C. and 6 Canadian provinces have ordered families to utilize the site in contested cases to reduce family conflict after divorce or separation.

Why not take the step to create a better life for you and your co-parenting family? Join the tens of thousands of families in over 38 countries who already have made the decision to improve their life by using the OurFamilyWizard website®.

*****You must be an Our Family Wizard subscriber to use this App.********

Use the OFW® software suite on your smartphone TODAY!

Select your platform from the links below and start using OFW® at home and on the go! 1

1 An active OFW® subscription is required.



How to create click-to-call links for mobile browsers #who #is #my #phone #company


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How to create click-to-call links for mobile browsers

Remember: most mobile devices are also phones! So, why not create link-to-call actions? If you’re creating a business guide, or even for your own unique phonebook, most people will prefer to call a person instead of filling in a form on the device.

In this article, we analyze the new URI schemes, some meta tags and also how to call Skype or Facetime applications from a website.

This content is partially extracted from my book Programming the Mobile Web . published by O Reilly.

The tel: scheme

The first de facto standard (copied from the Japanese i-Mode standards) is to use the tel: scheme. It was proposed as a standard in the RFC 5341. but be careful because most of the parameters proposed there do not work on any device.

Today, we can find support for tel: URI-scheme in almost every mobile device, including: Safari on iOS, Android Browser (image above), webOS Browser (image above), Symbian browser, Internet Explorer, Opera Mini and low-end devices browsers.

The very basic and simple syntax is:

a href=”tel:+1800229933″ Call us free! /a

If the user activates a call link she will receive a confirmation alert asking whether to place the call, showing the full number. This is to avoid frauds tricking the user into calling another country or a premium number.

I recommend inserting the phone number in the international format: the plus sign (+), the country code, the local area code, and the local number. We do not really know where our visitors will be located. If they are in the same country, or even in the same local area, the international format will still work.

What happens when the user clicks

While many browsers, like iPhone, Android, Nokia and BlackBerry offer a confirmation alert for the call action, Sony Ericsson’s NetFront browser presents the user with a menu proposing different actions to take.

Some non-phone mobile device (like iPod Touch, iPad), don t allow voice calls. Instead, they show a prompt to add the phone number to the phonebook (see the image below).

Sending DMTF Tones

Some devices also allow sending DMTF tones after the call has been answered by the destination. This is useful for accessing tone-controlled services, helpdesk systems, or voicemail; you can say to the link, call this phone number and, when the call is answered, press 2, wait 2 seconds, and then press 913# . You do this using the postd parameter after the number: the syntax is ;postd=. You can use numbers, *, # (using the URL-encoded %23 value), as well as p for a one-second pause and w for a wait-for-tone pause.

This function doesn t work on all mobile devices, but on devices that don’t understand it, the primary telephone number should at least be called. The compatibility list for this feature is complex, and I don’t recommend relying on it.

Autodetecting phone numbers

The BlackBerry browser and Safari for iOS (iPhone/iPod/iPad) automatically detect phone numbers and email addresses and convert them to links. If you don’t want this feature, you should use the some meta tags.

meta name=”format-detection” content=”telephone=no”

meta http-equiv=”x-rim-auto-match” content=”none”

Opening native applications

There are some native applications that can be opened from a link, mostly from iOS. One sample is the Facetime videochat application from iPhone 4 and iPod Touch. From iOS 4.1 we can use the facetime: URI to open the Facetime application and call somebody, for example:

a href=”facetime://5555555555″ Call us free using Facetime! /a

Skype for iOS is another application having its own URI-scheme. We need the Skype username. Optionally, we can add a ?call parameter to initiate immediately a call. Without it, we will see the user s profile instead.

a href=”skype:skype_user?call” Call us using Skype! /a

Remember that there is no way to detect on-the-fly if the user has the native application installed. You can find on my book a little hack to solve this problem.

There are no URI-schemes for Google Voice for iOS published until now.

WTAI: scheme

Although the table below shows that it is not as well supported as tel. the other way to originate a call is using the WTAI standard, via the wp public library and the mc (make call) function. As I mentioned in my book, the WTAI is an old standard coming from the WAP 1.0 era and available from WML. This URI-scheme was created for contacting public libraries on the device and it is not working on Safari on iOS or webOS Browser.
a href=”wtai://wp/mc;+1800229933″ Call us free! /a

WTAI also accepts a link to be used while the call is in progress, but this is useful only if the user is in hands-free mode or using a headset. This link can include tones to be sent to the destination as if the user had pressed them on the keypad, specified using the wp library’s sd (send DTMF tones) function.

Making radio calls

iDEN networks (like Nextel) use radio packets to make internal calls inside the network. If you are working with customers of such a network—for example, for an intranet—you can allow users to launch internal calls to other members of the team (or external calls) using the Direct Connect URL scheme ([inlinecode]dc:[/inlinecode]). This is also compatible with BlackBerry iDEN devices:

a href=”dc:5040*0077″ Ping John /a

Invoking video-calls

Some models present users with a submenu when they click a tel: link so they can choose whether to place a voice-only or a video call (available in 3G systems). Some Japanese phones also allow you to specify that a link should initiate a video call, using the protocol tel-av: .

Other techniques

Do you know any other technique? Feel free to add it on the comments sections below.

Re #30 The way that I track this is to use a dedicated phone number within the tel: section. I then compare the page loads of the mobile site against the call records from the phone number provider, which gives a ratio of viewers to callers.

It s not as snappy as having the click count picked up automatically, but it works.

While I m here: is there a way to add a company name as well as the phone number to the call confirmation screen that the user sees? Just be nice to have both showing.

Hi,
I am building a mobile web app which has click to call functionality. Here i am using Call us. This is working fine everywhere except in HTC WildfireS with 2.3.3 version only. In this device, when i click on the link, it popups up with Voice call or Video call. Also, browser address bar is updating with tel:18002299338 in the background which is not expected. Can this behavior fixed in this device ?

Hi I m a designer from Brazil and I was trying to make a Nextel device call another Nextel device using the method described on the post (Example: Ping John ), but couldn t make it work. Am i missing something? I apologize if my question seems kind of stupid.

Is there a way to make click to skype calls for android browsers similar to iOS?

If the user has Skype installed, you should use the same protocol as in iOS

I m trying to make a click-to-call list in google docs to be used on my iPhone 4S and every method so far has failed. If I do it on a spreadsheet on the computer, I click link and fill in =hyperlink(callto:+15555555555,555-555-5555), it says Invalid link and erases it. I ve also tried it with tel: and call. Editing on the iPad and iPhone it just says #ERROR. It also doesn t work with a google doc on the computer and on the mobile devices I can t find the button for inserting a link in a doc.
Is it possible? Should I try another app? Thanks for your help

Hi I am working on a call forwarding setup program and want to run a script by using a callto:*21*9711915988# its working fine and showing value on mobile dialer screen. I need to dialed that nos automatically on click instead of manually press dial button some one please tell me the solution if we want to dial automatic on click

my number is *133#, its not supported. I tired tel:*121%23 but doesn t work. # is a problem i guess.

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When I turn on my laptop the screen is black Solved – Laptops – Laptop Tech Support #when #i #turn #on #my #laptop #the #screen #is #black


#

When I turn on my laptop the screen is black

Hello.
My name is John Chol de Mawuer, a South Sudanese who pursued his tertiary education in Kenya.
Although my feedback will reach you at a time when you might have already dump your old Laptop for another one. I think i will have to tell you these simple tricks to help you next time when you experience this same problem or helping your friends/relatives who might be stuck with this problem.
As i was taught back then in school. there are several problems which cause the screen to experience the blackout.
JUST TRY THESE SIMPLE STEPS TO SEE IF IT GONNA HELP.

Electrical hitches.
Remove your laptop’s battery, unplug the power, hold power the button for 1 to 2 minutes, turn on computer with power plug only, then shutdown, add battery and restart

Magnetic On/Off Switch to detect of Close/Open Lid
Your magnet switch is fubar some how. Open up the speaker cover and see if your lid actuator switch that come in contact with the magnet on your lid cover is stuck or not (find where the magnet is in the back of the front lid cover, trace where the magnet area actually touches the base of the computer and you will find the switch) Workaround, start windows with lid at 30 degree angle

Software
Try Fn + F5 or something like that

For the hardware’s perils. I may not be able to truly execute it because i’m not competent in the computer hardware’s issues.

Thank for your question and i hope this elaborated trial gonna help you and the others who might be experiencing the same problem and confused on what to do.

John Chol de Mawuer, Juba-South Sudan

December 30, 2014 6:33:15 AM

Hi,
I tried all the above steps but still wud show the black screen after the vaio logo disappears. The fan is still working and so is the backlight.

January 14, 2015 11:27:45 AM

Sweta dawas said:

Hi my name is Sweta I had the same problem with my compaq laptop. On power on the screen would stay black, no POST, nothing at all on the display. The HDD would spin up but the HDD indicator would not come on and would not boot. The DVD drive would spin up and attempt to read a disc if one was in the tray but still would not boot.I found the answer on this blog. Unplug the power, remove the battery and then hold the power button for 30 to 60 seconds. Then reattach the power and attempt a boot. It worked for me! Just shutdown, put the battery back in you’re good to go. Worked for me so definitely worth a try.

I have the same problem with my netbbook. My PC is a Dell Inspiron 1090. You guys said to remove both battery and charger plug and hold the power button from a half to full minute. The only problem is that the “battery” below my laptop is different (picture is in link to see what it looks like). Is there another way to solve it? If I have to get it to a computer shop I’m too lazy but I have to do it (I’m 15 btw)

February 8, 2015 8:28:30 AM

Sweta dawas said:

Hi my name is Sweta I had the same problem with my compaq laptop. On power on the screen would stay black, no POST, nothing at all on the display. The HDD would spin up but the HDD indicator would not come on and would not boot. The DVD drive would spin up and attempt to read a disc if one was in the tray but still would not boot.I found the answer on this blog. Unplug the power, remove the battery and then hold the power button for 30 to 60 seconds. Then reattach the power and attempt a boot. It worked for me! Just shutdown, put the battery back in you’re good to go. Worked for me so definitely worth a try.

well this technique could result in loss of some of your system files, endagering your warrenty claim too. the same thing happen with my sony vaio E serires, n it stell happen on n off. i have read many articles, followed it, but nothing results in solving my problem permanently. and still i am facing this problem to present date and I start hating windows 8, Sony Vaio Care, if it could not provide CARE to its customers.

February 10, 2015 2:43:34 AM

Hi everyone.
I face the same problem but i used to solve myself you need to troubleshoot.
First step: remove bettery from your computer and press power button for 30 sec. And start normal, if doesn’t work. You need to refresh your pc in booting. This is depent on the window you are usin let me give u example with window 8.1 remove your bettery from laptop and insert again now when you restart your pc press f11 continously so you will see boot menu, there is an option refresh your pc select it and press next next until it refresh itself hope this would solve your problem but this would remove all you new install app but your file will not delete.

When i turn on my laptop the screen stays black. I can hear the fan running and the charger light is on, so why isn’t it turning on correctly?

Chol de Mawuer said:

Hello.
My name is John Chol de Mawuer, a South Sudanese who pursued his tertiary education in Kenya.
Although my feedback will reach you at a time when you might have already dump your old Laptop for another one. I think i will have to tell you these simple tricks to help you next time when you experience this same problem or helping your friends/relatives who might be stuck with this problem.
As i was taught back then in school. there are several problems which cause the screen to experience the blackout.
JUST TRY THESE SIMPLE STEPS TO SEE IF IT GONNA HELP.

Electrical hitches.
Remove your laptop’s battery, unplug the power, hold power the button for 1 to 2 minutes, turn on computer with power plug only, then shutdown, add battery and restart

Magnetic On/Off Switch to detect of Close/Open Lid
Your magnet switch is fubar some how. Open up the speaker cover and see if your lid actuator switch that come in contact with the magnet on your lid cover is stuck or not (find where the magnet is in the back of the front lid cover, trace where the magnet area actually touches the base of the computer and you will find the switch) Workaround, start windows with lid at 30 degree angle

Software
Try Fn + F5 or something like that

For the hardware’s perils. I may not be able to truly execute it because i’m not competent in the computer hardware’s issues.

Thank for your question and i hope this elaborated trial gonna help you and the others who might be experie the same problem and confused on what to do.

John Chol de Mawuer, Juba-South Sudan

Thank you! Fn + F5 worked and could you tell me why that process work? I’ m sorry I don’t know how old this post is.



Consolidate My Payday Loans #loan #agreement #form


#consolidation loan
#

Get Started Now

  • I got more our of this program than I ever expected and would recommend it to anyone facing a similar challenge and needs personalized and professional attention. SGF achieved results I never thought possible. For that I am very thankful. Kenneth C. – Graduated Client
  • Since enrolling in the payday loan consolidation program. I have successfully, with SGF representatives help paid all off all of my payday loan debt accounts. I never would have been able to do this on my own and with my limited knowledge of how payday lenders operate. John W. – Graduated Client

Payday Loan Consolidation Program

Act now by calling 1-877-785-7817 and see how you can save up to 50% on your our current Payday Loan Consolidation Program.

Solid Ground Financial is committed to getting you out of Payday Loan debt. Our Payday Loan Consolidation program can Consolidate your Pay Day Loans into one monthly payment and be debt free in as little as seven months! Call now.

Our professional team can help save your hard-earned money by reducing the amount you are paying every month. Let us help stop the interest fees from adding up and give you the opportunity to regain finanical stability.

Call us toll free at 1-877-785-7817 or fill out our simple Free Consultation form above so that we can start helping you immediately to free yourself from the burden of the Payday Loan Debt Cycle! Get the Payday Loan hHelp you deserve today!

Results may vary on a case by case basis.

Program Benefits
    Reduce Payments By As Much As 60%! Stop Debt Collection Calls Eliminate PayDay Loan Debt Fast Significant Reduction In Interest Rate Consolidate To One Easy Monthly Payment


How Can I Consolidate All My Private Student Loans? #home #loan #calculator #india


#how to consolidate student loans
#

How Can I Consolidate All My Private Student Loans?

Steve Rhode Get Out of Debt Guy

Huffington Post Reader Question

Dear Steve,

I’m looking to consolidate private/government student loans.

I have a few several outstanding loans with both public and private entities from graduate school (Navient, Nelnet, Discover student loans). is there a way to consolidate these all into one single debt/monthly payment?

Peter

Don’t miss my free my weekday email newsletter with the latest tips and advice on how to beat debt and do better financially. Subscribe now. – Click Here

Dear Peter,

If it was just about government student loans then the answer would be an easy, ‘Yes.’ There is no charge to consolidate most government student loans into a Direct Consolidation Loan which is then eligible for a monthly payment based on your income. These payments can be as low as $0 per month if your income is low. It is easy-peasy no-brainer.

But when it comes to private student loans, people are always getting confused and think they are like government student loans. They are truly apples and flashlights.

A private student loan is a closer cousin to your car loan than your government student loan. Except for some protections from bankruptcy in a few situations, the loan is just a vanilla closed-end consumer loan. But let’s not forget, some private student loans are dischargeable in bankruptcy even today.

Private student loan holders are neither required to allow you to consolidate them or make it easy for you to do so.

If you don’t have a lot of private student loan debt, you can wrap them up in an unsecured debt consolidation loan like those from LendingClub.com

The only issue with the unsecured lenders is the limit of the loans is typically around $35,000 or so. That’s often not enough to consolidate all of your loans. The good news about these types of loans is that once the student loan is moved into an unsecured loan, it may be fully dischargeable in a future bankruptcy.

There are some other resources out there like SoFi.com. However there are limitations on the loans they make. Generally you must have graduated from the program the loans were incurred for and the school must be a Title IV accredited university.

If any of these loans were used for graduate studies, not all schools are eligible. According to the SoFi website, only graduate expenses from the following schools are eligible.

Carnegie Mellon University Columbia University Cornell University Dartmouth College Duke University Emory University Georgetown University Georgia Institute of Technology Harvard University Massachusetts Institute of Technology New York University Northwestern University Stanford University University of California, Berkeley University of California, Los Angeles University of Chicago University of Michigan, Ann Arbor University of North Carolina – Chapel Hill University of Pennsylvania University of Southern California University of Texas at Austin University of Virginia Vanderbilt University Yale University – Source

There are similar outfits like CUStudentLoans.org but they have limitations as well. Then there are the private student loan lenders like Wells Fargo that would love to consolidate your loans into yet another private student loan.

With all these lenders the ultimate rate you will pay will be based on your credit history and credit score. If you have crappy credit then the current rates you are paying on your current loans might be better.

And let’s not forget that consolidating your private student loans does not mean you’ll have a lower payment or pay less. It is quite possible your monthly payment after consolidation may be the same or higher than what you are currently paying. Private student loans just don’t have the same payment adjustments based on income like a government loan does.

As far as I’m concerned, students should be talked out of taking out private student loans and schools should not make them available. In my book they are among the worst possible types of debt to have. They are not much better than a noose around your neck and for many, their dream careers are scuppered the moment the debt is incurred because they have to find any job and not the kind of job they studied for, just to make the loan payments.

Please post your responses and follow-up messages to me on this in the comments section below.

Bonus Audio Answer

Before I go I wanted to leave you with three easy action items you jump on right now to address your situation. Just click here .

If you have a credit or debt question you’d like to ask, just click here and ask away .

If you’d like to stay posted on all the latest get out of debt news and scam alerts, subscribe to my free newsletter .



Scrap My Car For Cash – Free Collection Nationwide – National Scrap Car #scrap #my #car #online #quote


#

Scrap My Car For Cash

Scrap My Car For Cash Free Collection Nationwide

Welcome to National Scrap Car, the UK’s premier marketplace for scrap and repairable vehicles. From Lands End to John O’groats, our nationwide network of Authorised Treatment Facilities and Salvage vehicle buyers ensure that we are equipped to offer you the best possible scrap car prices.

  • FREE Collection
  • Full UK coverage
  • DVLA forms completed
  • Top prices paid quote guarantee
  • Convenient collection times
  • Environment agency approved recycling facilities

We do all the hard work, so you don’t have to! Gone are the days when you would need to plough through the yellow pages, calling every scrap yard and breaker being put on hold for 10 minutes just in order to obtain the true car scrap value. Luckily, now with National Scrap Car’s network of collectors, one phone call will do it. Or better still; just fill in our online form for an instant quote. You can even accept the quote and book it in online.

Will you scrap my car for cash? Not all of our buyers use cash as payment but some are happy to. We have buyers for all types of vehicle, so whether your car is at the end of its life or you have a vehicle that is going to cost too much to get through its next MOT, we’ll have someone willing to pay great car scrapping prices for your vehicle.

Legal Car Scrappage:

All of our collectors or specialist buyers are fully licenced and have to abide by our strict set of Collection terms and conditions. For you, the customer this means that you will benefit from the following promises –

All collections will be made free of charge.

All prices quoted are guaranteed prices paid upon collection.

All DVLA forms will be filled out upon collection.

So, how does it work? We have collectors that span the country. If your car is in London, for example, we have several collectors that are willing to collect for free. We work out which collector would be willing to pay the most, and quote you accordingly. If you accept this offer, then we will instruct our collector to organise a convenient collection time with you and collect the vehicle. Payment will be paid on collection.

Because we know that car scrap value is a rate that is constantly fluctuating, our in house team monitor and update these prices on a daily basis. This way you can be assured that you are getting the best scrap car prices.

Selling Damaged and Salvageable Cars.

If you think that your motor is not quite ready for the scrap yard, but could be salvageable, why not talk to one of our advisors. We have Specialist buyers interested in all types of cars, vans and motorcycles for different components. We may be able to offer you a higher rate than current scrap car value, depending on vehicle age and condition.

MOT failures can be expensive, and sometimes render a vehicle uneconomical to repair. This doesn’t necessarily mean that it is ready to crush. By supplying us with all the relevant history on the car, we’ll be able to find the right buyer for you. This ensures that you end up with more cash in the pocket.

My car was picked up exactly when I asked and the office team and driver were very helpful and friendly very happy thanks.

I knew nothing about how to scrap a car so I called your office staff who talked me through the whole process. They were very polite and organised the collection of my car from my work place. Would definitely recommend to a friend.

After being messed around several times by local scrap merchants national scrap car came to the rescue. They paid a higher price and picked the vehicle up right away.

I had never scrapped a car online before and could not believe how easy it was. The guys at national scrap car we very helpful and had all the answers and paid exactly what they quoted.

National scrap car offered me the best price and organised collection the next day, thanks guys.

My car was picked up exactly when I asked and the office team and driver were very helpful and friendly very happy thanks.



Why should I refinance my home loan? Mortgage Choice #tax #loan


#refinance home loan
#

Why refinance my home loan?

Reasons to refinance

Secure a better interest rate

One of the key reasons home owners choose to refinance their loan is to secure a lower interest rate and reduce their monthly repayments. However, refinancing can come with some costs. so it’s essential to weigh up the savings of refinancing against the expense involved.

Switch between variable/fixed rates

If you’d prefer the certainty that repayments will stay the same for a period of time, you may wish to switch to a fixed rate. Conversely, you may decide you’d like to take advantage of a lower variable rate as you can accept the risk that rates may rise in future.

Access  equity in your home

Your home is likely to be one of your most valuable assets, and by harnessing home equity you have the opportunity to build additional wealth or simply achieve personal goals. Find out more about accessing your home’s equity .

Consolidate  debt

Refinancing  your home loan can provide an opportunity to streamline your debt, and potentially reduce the overall interest you’re paying on multiple debts through the process of ‘debt consolidation’. It means folding several high interest debts into one lower rate debt – which could be your home loan  – and may reduce your total monthly repayments.

However, it’s important to note that debt consolidation can come with some downsides. It can turn a short term debt like a personal loan into a long term debt (your mortgage), and that means paying interest on the balance for a much longer period which could cost you more in the long run. For debt consolidation to be truly cost effective, you need to commit to making additional repayments to pay off the enlarged loan as quickly as possible.

Access  additional home loan features

You may wish to explore a loan that includes:

  • Flexible repayments

Making extra repayments at no additional cost to help pay off the loan sooner.

  • Repayment holiday
    A break from repayments or reduced repayments to cover career changes or breaks e.g.  maternity leave.
  • Offset account
    Having a savings or transaction account linked to your loan. The balance of the linked account is deducted from, or offset against, the balance of your loan when the monthly interest charge is calculated.
  • Redraw facility
    Enabling you to withdraw any additional repayments you have made on your loan. Handy if you need cash in an emergency.
  • Flexible rate options
    Dividing your rate between fixed and variable components, or even making interest-only payments for a period.
  • Loan portability

    The ability to take your loan with you when you move from one home to another without the expense and hassle of arranging a new loan.

  • Mortgage Choice broker tip



    Sell My Pension Plan For A Lump Sum #sell #my #annuity #payments #lump #sum, #sell #my #pension


    Sell My Pension, Or Not?

    Is selling Your Retirement Plan A Good Idea? And what about employer sponsored pension?

    Should I sell my pension, or not?

    It’s a good question. You want to sell future payment streams in favor of a cash lump sum now although you’ll get less than you would in the periodic payments and you may end up losing a very important sustainable post-retirement support stream.

    Let me make it clear up front that I personally am not buying out employer sponsored payments, nor do I buy military veteran pension or government pension payments.

    However, the below is in case your employer is offering you to buy out your pension for a lump sum.

    Employer Pension Buyout – Pros and Cons

    Your employer may have good reason to offer you a lump sum instead of continuing your pension plan.

    A pension buyout may reduce his administrative expenses and increase the income of his business.

    The question is: is selling your pension in your own best interest?

    Let me point out some pros and cons of selling your pension to your employer, the way I see it, at least.

    First, the benefits:

    Sell My Pension – Advanteges

    • You get a big fat lump sum check
    • You have full control over spending and investing your money
    • You are not dependent on your employer and his financial success or troubles
    • You can use it to cover large expenses that you may currently have
    • You can reinvest your money in something you thing is a good investment, allowing you to grow your money possibly keeping up with inflation as well as increasing health costs while your pension may not increase over the years
    • You may be able to leave some of the money to beneficaries

    Drawbacks

    • You take over full responsibility and do not get anymore the Federal government guaranty for your pension (in case you get your pension in annuity payouts, you cease being protected by the agencies protecting retirement annuity plans)
    • You are at risk of mismanaging your money, spending it out too soon, making bad investments – if you do not have skills of investing and managing money
    • You are giving up the security and convenience of earning long-term guaranteed steady streams of income to support your life in the future
    • You get a large sum at once and taxes are applicable and not deferred
    • Your pension may have spouse benefits leaving a source of income to your spouse when you die, something you don’t get with a lump sum buyout that you have to manage on your own; furthermore, your spouse may not be as good as yourself at managing/investing a large amount of money left to him/her
    • You may lose your health insurance coverage by the company along with selling your retirement plan (check with your employer)
    • You get only the Present Value of your future pension payments, meaning that the future pension payouts are discounted to the value of the money today

    (The discount rate has traditionally been calculated based on a 30 year US Treasury Rate; however, this has changed in accordance with new regulations by the Pension Protection Act of 2006. or PPA.

    The Discount Rate is a very important factor and can have a significant effect on the amount you get from your pension buyout.

    As a rule, the higher the discount rate, the LOWER is your present value.)

    • You may lose early-retirement benefits by selling your retirement plan for a lump sum

    (Companies offer early-retirement benefits to encourage employees to retire early for various reasons, including sending out older employers in favor of younger, more enthusiastic ones that are of more value for them; reducing administrative and insurance costs; and increasing their income)

    • Your pension payout is calculated based on your life expectancy; but a lump sum – even if invested in a way that it accumulates interests and then lets you take out the same amount as your previous pension annuity plan on a monthly basis for a much longer time than your life expectancy – may, however be outlived by you and then leave you without this stream of income

    (To simply a bit, let’s suppose you’re expecting to get an amount of $3000/month in pension annuities for x amount of years per your life expectancy.

    Let’s further assume you’ll sell your pension for a lump sum and then reinvest the lump sum and it will earn you income that will last for a given amount of years if you take out the same $3000/month.

    Now even if this amount of years will be longer than your life expectancy – but what if you have luck and live even longer?

    Well, you’ll not get any income since your investment has been depleted. On the other hand, pension will go on for the rest of your life even if you live longer than the expected years of your life.)

    The Pension Benefit Guaranty Corporation

    You may also want to consider your company’s financial strength. Will it last long enough to pay my pension? and what if it goes bankrupt – will there be any backup and security for your payouts? Is this another reason to sell my pension?

    I won’t go here into discussion on whether or not a Defined Benefit Pension Plan is still a good option to rely on, and whether the Pension Benefit Guaranty Corporation (PBGC) is losing its strength as a pension protection agency. For a great, detailed treatment of this topic, I recommend you checking out this excellent article on the subject.

    Conclusion

    Bottom line: when asking yourself, “should I sell my pension,” you should carefully take into consideration all the above points and weigh the costs and benefits of each option. Remember, once you sell your pension, it will be too late to reconsider.

    So, Sell My Pension, Or Not –

    Please express your opinion here and let other folks know what you thing about this question that many other find themselves asking when offered to sell their retirement plan to their employer: is it wise to sell my pension, or is it advised to go on with my regular pension plan and not sell my pension payments?

    Sell My Pension, Or Not – Your Take?

    Have you sold your pension, are you considering selling your pension, or do you personally think it’s a good idea? Share your experience (you are also allowed to attach your photo!)

    What Other Visitors Have Said

    Click below to see contributions from other visitors to this page.

    Why Would Anyone Sell Pension Plans For A Lump Sum?
    Why should anyone want to sell their pension plan? Well, I can understand worries about security of the pension future, companies stopping their pension

    DISCLAIMER. the content, written, graphics, or else, of this website is for information only and does not constitute legal, financial, or professional advice, recommendations, guarantees or promises of any kind. Nor does it make any claims of accuracy or completeness. We hereby disclaim all the liabilities and possible losses or damages resulting from the use of its content. For professional advice of any kind, please consult a qualified professional.

    Adler’s Insurance Agency and AnnuityCasher.com
    86 Route 59, Spring Valley, NY 10977

    Insurance agency and buyer of structured settlement and lottery payments, cashing out annuity payments and buying out life settlements in NY, New Jersey, California, Florida, Kansas, and other States. Sell your structured settlement for a cash lump sum



    What is a Backup Server? #backup #my #pc, #online #backup, #restore, #backup #software, #backup, #restore #data, #computer #backup, #server #backup #software


    #

    What is a Backup Server?

    If you seem to be using your computer more and more often to store pictures, work on important files, and exchange emails, it’s important that you make regular back ups of your files, incase your computer crashes when you least expect it.

    A Backup Server is an excellent way for you to save your important files into one single compressed file. The best part of Backup Server is it’s affordable and you can transfer the compressed file onto another computer or hard drive.

    Free Backup Servers do exist but won’t offer the same benefits as a Backup Server you can buy for a mere fifty dollars—a small price to pay for safekeeping your important business files, financial records, and personal pictures. And if you’re computer savvy you can even upload the backup file using a built-in ftp function to your own server for safe and convenient offsite storage, as part of your regular back up.

    It’s also important to remember that most Backup Servers are compatible only on PCs and not Macs, and also that all applications must be closed in order to back them up. To keep track of what files are backed up, check the log file for the files that are and are not backed up.

    How to Make Regular Backups of Your Data

    After installing your Backup Server, you can pick how many times you’d like to have your data automatically backed up.

    The scheduling options range from ‘just once’ to ‘hourly’ to ‘intervals.’ You can also set the date and time for the back up to occur.

    How does this program work exactly? Well, it’s quite simple. For example, if you had 250 files to backup on your computer and these files where in 5 folders, Backup Server would produce a zip file for each folder containing the files. So, in total the folders will hold the 250 files.

    Compressing Your Files

    Following the copying of the files, Backup Server will place the 5 compressed files into one zipped file. After that, Backup Server has a couple of automated procedures that it can carry with the zipped file containing all your data. The procedures Backup Server can perform include:

  • Automatically coping the backup across a network for protective measures, in case your computer crashes or your hard drive is lost.
  • Backup Server also allows you to upload the zipped file to a server, so the file is accessible from other locations. One option of a server is an online server which has become increasingly popular.
  • Other options of saving your backup file include burning it onto a CD weekly, or copying the file to a zip drive, or emailing it to a safe location.

    Read our What the Best Backup and Recovery Software Programs Have in Common page for more tips on what to look for when purchasing your backup program.



  • Should I Refinance My Federal Student Loans? #bank #loan #rates


    #refinance loans
    #

    Should I Refinance My Federal Student Loans?

    Jul 09, 2014 | Updated Sep 08, 2014

    Nate Howard Corporate Counsel, CommonBond

    I often get this question when I talk to people about refinancing student loans. The answer is a thunderous “maybe.” A lot has changed in the student loan landscape over the last 10 years (and even in the last year). Conventional wisdom used to hold that federal student loans are categorically better than private student loans. And while that’s never been true for everyone, it has been a useful mental shortcut because federal loans are a better option for many borrowers. However, private lenders are increasingly offering lower rates than the federal government for high credit-quality graduate students. So if you’re in that position, should you take advantage of it?

    The most important thing to understand in order to answer that question is what you’re giving up by refinancing federal or federally backed loans through a private lender. Federal loans afford borrowers certain options that many private loans do not. These include: term extension, Income-Based Repayment (IBR), loan forgiveness programs, and the Federal Direct Consolidation Program.

    1. Term Extension. Federal loan repayment plans allow you to extend your repayment period from the standard 10-year rate to a longer repayment period. While this will lower your monthly payment, the extension of your term will also increase the amount of interest you pay over the life of the loan. You can view the various federal repayment options here (http://studentaid.ed.gov/repay-loans/understand/plans). While mileage may vary based on your specific situation, I will say that it is generally better to pay off your loan as soon as possible. That way, you’ve minimized the amount of interest that accrues on your loan and you have more money to save or spend as you please in the long run.

    2. Income-Based Repayment and Pay As You Earn (PAYE). You are also able to take advantage of various repayment plans that are tied to your income. These programs were enacted to allow borrowers to get on their feet just out of college. It is definitely worth taking a look at your budget, calculating your potential monthly payments, and finding the repayment plan that is right for you. You can calculate your estimated payments under various plans here.

    3. Loan Forgiveness Programs. Federal student loans also feature various loan forgiveness programs. There are options for both teachers and those in public service. Chances are, if you’re eligible for either of these programs, then you likely don’t want to refinance your federal loans with a private lender.

    4. Federal Direct Consolidation Program. I’ve seen some confusion about the Federal Direct Loan Consolidation program and private refinancing. People will say, “I can’t refinance my loans privately because I’ve already consolidated them.” Whether you’ve consolidated loans through the Federal Direct Consolidation program has no impact on whether you can refinance those loans through a private lender. Consolidation through the Federal Direct program is a great option for borrowers with disparate student loans and can, in some scenarios, reduce monthly payments. But I want to stress that Federal Direct Loan Consolidation is different from refinancing through a private lender, and you can privately refinance a Direct Consolidation loan.

    Why refinance federal student loans with a private lender?

    If federal loans have all these great features, then why should someone refinance them? Aren’t more options always better?

    Not if you’re not going to use them and you can save money if you refinance. If you’ve been working for a few years and have been making monthly payments on a standard 10-year term on federal loans, refinancing through a private lender amounts to a basic tradeoff. You’re giving up downside protection (the ability to minimize your monthly payments through alternative repayment plans) for upside gain (a lower interest rate that decreases what you pay over the life of the loan).

    If you’re not sure whether you’re better off refinancing with a private lender, then I propose a quick guideline: if your annual income exceeds the amount of student loan debt you have, then you should research private refinancing. Other factors, such as your credit history and other monthly expenses, should be taken into account, but comparing your income to your debt load is a good start.

    As private lenders re-enter the student loan refinancing market, there are more and more options to refinance. In evaluating options that may lower your rate, ask yourself, “Is it worth it to give up federal repayment options to lower my interest rate?” For many young professionals with good credit and a steady income, that answer is likely “yes.” But you should familiarize yourself with your federal student loans options before making that decision.

    Nate Howard is Corporate Counsel at CommonBond. a student lending platform that provides a better student loan experience through lower rates, superior service, and a strong commitment to community. CommonBond is also the first company to bring the 1-for-1 model to education.

    States With Highest Average Student Debt – TICAS – Class Of 2012



    Refinance Calculator – Should I Refinance My Mortgage? #home #equity #loan #calculator


    #bankrate auto loan calculator
    #

    Refinance calculator

    Use this calculator to help determine whether you should refinance your mortgage. Estimate the amount of money a refinancing could save you by comparing the details of your current home loan with new rates, terms, and other factors. More.

    More Calculators

    Amortization Calculator

    See what your loan will really cost

    Refinance calculator help

    “Should I refinance?” is a question we hear frequently from homeowners. Zillow’s mortgage refinance calculator helps you decide whether refinancing makes sense for your personal situation. Deciding when to refinance should be based on many factors but, generally, if our refinancing calculator shows you can lower your monthly mortgage payment and offset the costs of refinancing in a reasonable time frame, you should consider a refi.

    Down payment This is the amount of money you will put towards a down payment on the house. Make sure you still have cash left over after the down payment to cover unexpected repairs or financial emergencies. Interest rate This is the interest rate for the loan you will receive. It is pre-filled with the current 30-yr fixed average rate on Zillow Mortgages. Property taxes The mortgage payment calculator includes estimated property taxes. The value represents an annual tax on homeowners’ property and the tax amount is based on the home’s value. Homeowners insurance Commonly known as hazard insurance, most lenders require insurance to provide damage protection for your home and personal property from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions, and more. All homeowner’s insurance policies contain personal liability coverage, which protects against lawsuits involving injuries that occur on and off your property. Mortgage insurance (PMI) Mortgage insurance is required primarily for borrowers with a down payment of less than 20% of the home’s purchase price. It protects lenders against some or most of the losses that can occur when a borrower defaults on a mortgage loan. Also known as PMI (Private Mortgage Insurance). HOA dues Typically, owners of condos or townhomes are required to pay homeowners association dues (known as HOA fees), to cover common amenities or services within the property such as garbage collection, landscaping, snow removal, pool maintenance, and hazard insurance. Loan term This is the length of time you choose to pay off your loan (e.g. 30 years, 20 years, 15 years, etc.) Full report Click on the Full Report link to see a printable report that includes mortgage payment breakdowns, total payments, and a full mortgage payment amortization calculation (table and chart). Amortization table includes ability to view amortization by year or by month.

    Mortgage Learning Center

    Next Step: Shop Rates

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    • Free, personalized rate quotes

    Shop rates on Zillow



    How Long Should My Car Loan Be? #pioneer #loans


    #how to get a car loan
    #

    How Long Should My Car Loan Be?

    1 of 3

    Most people have a rough idea of what monthly payments will fit their budget when it comes to buying a car. That figure is usually what they target when they’re making a deal. However, this monthly-payment mentality is making car buyers lose track of the bigger picture: the total cost of the car and the length of time it will take to pay it off.

    Edmunds data tells the story: Since 2002, the average car loan term has slowly crept past five years, and is now inching past six-and-a-half years. In 2014, 62 percent of the auto loans were for terms over 60 months. And nearly 20 percent of the loans were for 73- to 84-month terms.

    “Consumers are battling two things,” says Melinda Zabritski, director of automotive credit at Experian. They are trying to get a good interest rate and a reasonable monthly payment. But sometimes the five-year loan has a monthly payment that is too high for them, and they end up financing for a longer term, even if it costs them more down the line, according to Zabritski.

    Is there any benefit to having a six- or seven-year car loan? Aside from having a lower monthly payment, no. In fact, there are many reasons why you shouldn’t choose such a long car loan term.

    Higher Interest Costs

    The longer you finance a car, the more interest you will have to pay on it, both in terms of the rate itself and the finance charges over time. Edmunds recommends a 60-month loan, less if you can manage it. Here’s how the numbers look when you compare a 60-month loan to a 72-month loan.

    We chose a 2015 Toyota Camry XLE V6 with a few options as our example. Its True Market Value (TMV ) is close to the average price of a new car in 2014. Edmunds data shows that the average down payment for a 55-60-month loan in 2014 was $4,689. We entered those numbers in our loan calculators. After tax, title and the down payment, the total amount to be financed was $29,800.

    The average interest rate for a 55-60-month loan in 2014 was 2.41 percent, according to Edmunds data. The buyer would have a monthly payment of $528. The finance charges over the life of the 60-month loan would be $1,861.

    Contrast that with a 72-month loan we plugged into our calculator. The interest rate would be higher, according to Edmunds data: It was 5.9 percent for loans of 67-72 months in 2014. It’s common for longer loan terms to carry higher interest rates, Zabritski says.

    The data also shows that the longer loan a person takes out, the lower the down payment. People taking out loans in the 67-72-month range had a down payment of about $2,440 in 2014.

    In this 72-month loan scenario, the monthly payment, $531, wouldn’t be much different from the payment under a 60-month loan, and the buyer would have paid less out of pocket. It may seem like the way to go, until you look at the finance charges.

    The finance charges for the loan would be $6,182. That’s more than three times the interest for a 60-month loan. And not only will it take the person a year longer to pay off the loan, it will also take them longer to build equity in the car. Here’s why that’s a problem.

    Negative Equity

    A new car typically depreciates about 22 percent in its first year. At the beginning of a car loan, the buyer is typically “upside down ,” or “under water,” meaning he owes more than the car is worth. The situation is made worse if the buyer hasn’t made a large enough down payment .

    Based on Edmunds data, most people aren’t making a big enough down payment to keep from being upside down longer than necessary.

    The time it takes you to get “above water” and build equity in the car will vary, based on the car you bought and how much of a down payment you’ve made. But one thing doesn’t vary: The longer your car loan, the longer it will take you to build equity.

    When you have no equity in the car, you can’t sell if it you need the money in an emergency: if your other bills get out of hand or you lose your job, for example. It also gives you fewer options if you get tired of the vehicle. A buyer will only pay you what the car is worth, not what you owe on it. You’re stuck with the balance of the loan.

    Similarly, if you get into an accident and the car is totaled, the insurance company will only pay you what the car is worth at the time of the accident. The remainder of what you owe will have to come out of your pocket.

    Car Fatigue

    We love our cars when they are brand-new, but when romance fades, we’re anxious to trade them in for something else. The average trade-in age for a car in 2014 was six years. It’s not what you’d call an enduring relationship.

    If you have a 72-month loan and get the itch to buy a new car around the average six-year mark, you wouldn’t have enjoyed any time without payments, which diminishes the point of car buying in the first place. At that point, you’re better off leasing the car.

    If you took out an 84-month loan, you’d have to wait another year to buy. The other alternative would be to roll the balance of the loan into your next car purchase. And that’s a bad idea, adding up to an even longer loan commitment and higher monthly payments.

    Contrast these situations with buyers who’ve chosen a five-year loan. At the average trade-in mark of six years, they have already enjoyed almost a year without car payments and have the freedom to sell the car whenever they want.

    Low Resale Value

    Resale value is another reason to steer clear of extra-long car loans. A 5-year-old car is more desirable and more valuable in the used-car marketplace than one that’s 7 years old.

    At five years, a car has lost about 53.5 percent of its new-car value in 2014, says Joe Spina, Edmunds director of remarketing. A 6-year-old car has depreciated by about 59.4 percent.

    In other words, the Camry in our example will be worth roughly $15,554 after five years. It drops to $13,580 at the six-year mark.

    A dealership will likely give you more money for the 5-year-old car. At that age, it’s a great candidate for the certified pre-owned process (CPO), which means the dealer will have a more valuable car to sell.

    On the other hand, a 6-year-old car is right on the edge of no longer being an acceptable CPO car. Some automakers, like General Motors. won’t permit a CPO car to be more than 5 years old. Further, if it has too many miles, it won’t qualify for a CPO program. That means you will get far less for the car as a trade-in.

    Alternatives to Long Loans

    Let’s say you want to buy a new car, but the monthly payments that are being quoted for the usual five-year loan are too high for you. That may be a sign that you’re shopping outside of your price range. Take a look at the Edmunds “What Can I Afford?” calculator. You start by entering your ideal monthly payment.

    After you fill out a few other details, the calculator will recommend a price range and some cars that fall in it. Stick to cars at the lower end of the range and you should be in good shape. Once you have an idea of what you can afford, make sure you get approved for your car loan before heading out to the dealer.

    You also could consider buying a used car. Interest rates are a bit higher for used cars, but since the cars cost less, there’s less to finance and the payments will be lower. If you’re not sure what cars to look at, check Edmunds’ Best Used Cars. It will point you in the right direction.

    Final Tip

    While it is important to know what you can afford in terms of monthly car payments, that shouldn’t be your only measurement of a good car loan. Take a look at all the numbers in the sales contract so that you are fully aware of what you are paying for the car.



    How Does My Auto Loan Refinance Affect My Credit? #amortization #loan #calculator


    #refinancing car loan
    #

    Ask Credit Karma: How Does My Auto Loan Refinance Affect My Credit?

    The Question:

    Would you mind covering how or if a refinance on a car loan affects one s credit score? I am thinking of doing this, but can t find info about it anywhere. Thanks so much! Love you guys!!  Rebecca W.

    The Answer:

    Refinancing your auto loan can be a great way to save money, if you get approved for a lower interest rate. A good credit score is the way to get there.

    When you apply to refinance your auto loan, it will cause a hard inquiry on your credit report. A hard inquiry is when a lender, credit card issuer or other financial institution does a credit check to assess whether or not to approve you for a line of credit. Each hard inquiry generally drops your score by a few points and will lessen in impact after two to three months. However, it will remain on your credit report for two years.

    For that reason, you should avoid applying for several loan options at one time. Multiple hard inquiries will significantly decrease your credit score for a period of time and tell lenders that you may be desperate for credit. Instead, focus on building up your credit to better your chances for approval, finding the right lender, and doing your research to find your best loan option.

    More Credit Questions?

    Hash it out with other LearnVesters in LV DiscussionsAsk Away

    After you’re approved for refinance, the original lender will close out the old loan and the new loan will appear on your credit report. So, when it comes to your lines of credit on your report, you’ll come out even. The only other impact your refinance can have on your credit score depends on your monthly payments; as long as you pay on-time every month, your refinance can positively affect your credit score.

    In order to make sure you get the best rates possible, follow this checklist before applying to refinance your auto loan:

    • Get your credit report. If you haven’t gotten your free credit report from Annualcreditreport.com this year, get it and comb through it for any errors. The three most common errors are outdated personal information, mistaken or fraudulent accounts and incorrect account details. If you do find an error, dispute it with the credit bureaus and reporting company.
    • Take some time. The better your credit, the better your chance for approval and the more money you can save by landing the lowest interest rate. Spend the time to work on and improve your credit score by honing in on your credit card utilization rate. staying on top of payments and monitoring fluctuations in your score.
    • Research auto loans. Find the best loan for your auto refinance by comparing rates and terms with Credit Karma’s “My Savings” dashboard. My Savings gathers information from multiple lenders in one place, so you can do your research easily and see how much you can save based on consumer reviews and rate comparisons. Make sure you always read all of the details and fine print of an offer before taking it.

    Bottom Line

    People often refinance their auto loan to reduce their monthly payments, which extends their loan. But this approach can also mean paying more in interest over the life of the auto loan. The best reason to refinance is to get the lowest interest rate possible. Before applying to refinance your loan, do the math and make sure it’s the right move to make to save you money in the long run.



    Trying to get a secured loan with my car as collat. myFICO® Forums #online #loans #no #credit #check


    #secured personal loan
    #

    Website Navigation:

    I hope this is the right area. I searched for other threads like this, but none of them answered my question.

    I just relocated and since it took me awhile to get a job I’m behind on bills/rent and need some quick cash to get caught back up. I have a 2002 Mazda Protege5 that is fully paid off. It’s in fair condition according to kelley blue book and has 145k miles on it. It was suggested to use my car as collateral for a small loan since I have bad credit. Can anyone recommend any places to me that might approve me for a loan? I’m talking in the area of like $2000.

    I have 2 accounts with Chase and was going to try there initially but was told that even with collateral, Chase still expects you to have excellent credit. Would other banks give me a loan without having an account with them or would I have to look elsewhere? I also was told that there are finance companies that deal specifically with doing secured and unsecured loans. Does anyone know of any I could contact or any reputable ones online? (I live in Los Angeles if that helps.)



    Cars in Bankruptcy: What Happens To My Car if I File? #private #loans #for #college


    #bankruptcy auto loans
    #

    Cars in Bankruptcy

    Can You Keep Your Car If You File Bankruptcy?

    Many people who file for bankruptcy and own a car are allowed to keep it during and after their case, especially if it is used for getting to and from work.

    If you are behind on car payments, you may be able to use bankruptcy laws to keep your vehicle in your possession.

    Both types of personal bankruptcy address cars, car loans and vehicles you own outright:

    • The automatic stay in bankruptcy is designed to stop repossession. In most cases, this goes into effect right after you officially file for bankruptcy.
    • Chapter 7 bankruptcy exemptions may protect your car from a forced sale.
    • Filing for bankruptcy under a Chapter 13 may allow you to repay your car loan at a more affordable rate so that you don’t lose your car to collectors.

    Keep reading or fill out the below form to ask an attorney if a bankruptcy could help you save your car.

    What Happens When You File for Bankruptcy?

    Get answers to your bankruptcy questions.

    Learn how you may be able to use bankruptcy to save your car, home or other assets.

    For a free bankruptcy case evaluation with a local bankruptcy lawyer, complete the below free form:

    Car Loans Under Chapter 7 Bankruptcy

    Chapter 7 bankruptcy is designed to help eliminate unsecured debts such as credit cards debt or medical debt, but may provide protection for secured debts such as cars.

    If you own your car outright, and owe no debts on it, then your car may be fully protected from repossession or forced sale due to Chapter 7 exemptions.

    One important aspect when filing bankruptcy is whether you have a clear title to your car. If you have pledged your vehicle as security for a debt, or if you are financing or leasing a vehicle, you likely have three options for secured car loans when you file Chapter 7 .

    1. Reaffirm: A reaffirmation agreement is a contract between you and the car creditor in which you agree to pay the balance owed on your car note, despite the bankruptcy filing.

    You continue to make payments and the creditor promises that, as long as payments are made, they will not repossess or take back the property.

    Reaffirmed debts are not discharged and the debt survives the bankruptcy.

    If you do not make your car payments after you reaffirm the car loan, the car lender can repossess the car and sue you for the deficiency balance.

    After the finance company repossesses the car, they will sell the car at the auto auction. Usually the finance company does not get enough money from the auction to pay off your loan.This shortfall is called a “deficiency” and you would still be legally obligated to pay the creditor the deficiency balance.

    As you can see, the decision to reaffirm your car loan is a serious financial matter.

    Reaffirmation agreements are strictly voluntary. You are not required by the Bankruptcy Code or other state or federal law to reaffirm your car loan. Before entering into such an agreement, you will want to speak to a bankruptcy attorney to make sure that the reaffirmation is in your best interest.

    2. Redeem: In Chapter 7, you have the right to purchase or redeem your car from the creditor by making a lump sum payment equal to the car’s fair market value.

    The U.S. Bankruptcy Code provides that you must pay the creditor the replacement retail cost of the car. The balance of the debt will be discharged.

    For example, assume you own a car worth $5000.00, but owe the finance company $10,000.00. In this circumstance, you could redeem the vehicle by paying the creditor $5000.00 and the remaining balance will be discharged in your bankruptcy.

    A local bankruptcy lawyer can advise you on the benefits of redeeming your financed car and identifying lenders that will provide the funds for your vehicle redemption.

    3. Surrender: If you cannot afford the monthly payments on your car loan or if you determine that you owe more than the car is worth, you can unload the car and the debt in your Chapter 7 bankruptcy by surrendering the vehicle to the creditor.

    Car Leases in a Chapter 7

    If you are leasing your car when you file Chapter 7 bankruptcy, you can choose to either continue making the monthly lease payments or surrender the car back to the creditor.

    If you surrender the leased car, any obligation to repay debt will be eliminated in your Chapter 7 bankruptcy case.

    Car Loans in a Chapter 13 Reorganization

    If you have fallen behind on your car payments, you may be able to file a Chapter 13 bankruptcy to stop the repossession of your vehicle. The amount you have to pay for your car depends upon when you bought your car.

    If you own your car outright, and owe no debts on it, then your car should be fully protected in Chapter 13.

    910 Claims: If you bought your vehicle within 910 days of filing your bankruptcy case, you must repay the entire car loan.

    The good news is that the interest rate you pay on your car loan may be significantly reduced.

    For example, if you owed $10,000 on a car loan whose blue book value was only $5000, you would be required to pay the entire $10,000 balance if the car was purchased less than 30 months, or 910 days, of filing. In short, debtors who want to keep their cars must pay the full loan amount rather than “cram down” the debt to the value of the car.

    Cram Down: If you bought your car more than 910 days before you file bankruptcy, you will only have to repay an amount equal to the present value of the car.

    For example, if you owed $5000 on a car that is worth only $2500, upon filing Chapter 13 you would be required to repay the finance company only $2500 over the three-to-five year term of your Chapter 13 repayment plan.

    Car Leases Under Chapter 13 of the U.S. Bankruptcy Code

    Your car lease usually cannot be paid through the Chapter 13 bankruptcy repayment plan that you devise with your bankruptcy attorney.

    You can “assume” the lease and continue making the monthly payments. You can also “reject” the lease and return the car to the creditor.

    The creditor will sell the leased vehicle, apply the sale proceeds to your lease balance and then file a claim in your Chapter 13 bankruptcy case for the lease deficiency.

    This deficiency is an unsecured, non-priority claim, which means you will likely only pay that creditor pennies on the dollar.

    Speak With a Bankruptcy Attorney About Protecting Your Car Today.

    If you have questions about how your car will be affected if you file bankruptcy, talk with one of our sponsoring lawyers.

    Fill out the form on this page to talk with a local bankruptcy attorney. Bankruptcy laws can be complex and each person’s financial situation is unique. If you’re worried about losing your vehicle, home or other assets, be sure to get the facts from a legal professional.

    Don’t wait until the repo truck comes to you door or the foreclosure notices start piling up. Learn how bankruptcy can stop repossession and foreclosure and is designed to silence creditors!

    The above summary of bankruptcy law is by no means all-inclusive and is not intended to serve as legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.



    Family Loans: Does The IRS Care If I Lend My Kids Money? TaxAct Blog #home #loan


    #interest free loans
    #

    Family Loans: Does The IRS Care If I Lend My Kids Money?

    You might lend your kids money from the time they are little to buy a bicycle, to get that first car, or to buy a house.

    Does the IRS have anything to do with these family loans?

    For small loans, the answer is no.

    The IRS isn t concerned with most personal loans to your son or daughter. They don t care how often you make loans, whether you charge interest, or if you ever get paid back.

    However, there are exceptions.

    Interest-free loans

    If you loan a significant amount of money to your kids, say, enough to buy a house, it s important to charge interest.

    If you don t, the IRS can determine that interest you should have charged was a gift. (In addition, the borrower may be more motivated to actually pay you back if there s interest involved!)

    The rate of interest on the loan must be at least as high as the minimum interest rates set by the IRS .

    You don t have to worry about skipped interest being subject to gift tax rules unless the interest you should have charged, combined with other gifts to the same person, exceeds $14,000 in 2013.

    Loans that are really gifts

    Some people may think they can give large amounts of money to their children and say it s a loan, thus avoiding the hassle of filing a gift tax return .

    The IRS is wise to that.

    The loan must be legal and enforceable, or the whole thing may be deemed a gift.

    Fortunately, it s easy to make a loan legal.

    Write a note that shows the loan amount, when it will be paid, the rate of interest, and any collateral or security (such as a car).

    Have both parties sign the note, and keep it in a safe place.

    For very large loans, or for loans attached to real estate, seek legal counsel to make sure you re covered.

    Student loans for tuition

    You can make student loans to your kids by drawing up a contract like any other loan.

    When they graduate and start making payments to you, you will pay tax on the interest income, and the kids can take the student loan interest deduction .

    Take a bad debt deduction if your child doesn t pay you back

    One of the advantages of writing up a loan contract is that if your child doesn t pay, you can take a deduction for a nonbusiness bad debt.

    In addition, you don t have to pay gift tax on the amount, as you would if you had given the money outright.

    To take a bad debt deduction, you must prove that you tried to collect the debt.

    The debtor should make a written statement that he or she cannot pay, and include a good reason, such as unemployment.

    Filing a gift tax return for a loan

    If I have to file a gift tax return for a loan that the IRS determines is really a gift, will I owe gift tax?

    Probably not.

    You only owe gift tax when your lifetime gifts to all persons exceeds the lifetime gift tax exclusion ($5,250,000 in 2013).

    For most of us, that means we re safe.

    Other family loans that are safe from tax consequences

    • You lend a child $10,000 or less, and the child does not use the money for investments, such as stocks or bonds.
    • You lend a child $100,000 or less, and the child s net investment income is not more than $1,000 for the year.


    How Do I Calculate My Monthly Mortgage Payment? #business #loans #rates


    #calculate loan payment
    #

    More from the nerds

    NerdWallet

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    The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

    Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

    While we try to feature as many credit cards offers on our site as we can maintain (1,700+ and counting!), we recognize that our site does not feature every card company or card available on the market.

    Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

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    ‘> Advertiser Disclosure

    How Do I Calculate My Monthly Mortgage Payment?

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    How much your monthly mortgage payment will total can be a big mystery, especially for the first-time homebuyer. But a quick bit of math will supply the answer. Don’t worry, it’s easier than it looks. Here’s how to calculate your monthly mortgage payments on a fixed-rate loan :

    M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

    The variables are as follows:

    • M = monthly mortgage payment
    • P = the principal, or the initial amount you borrowed.
    • i = your monthly interest rate. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. So, if your rate is 5%, then the monthly rate will look like this: 0.05/12 = 0.004167.
    • n = the number of payments, or the payment period in months. If you take out a 30-year fixed rate mortgage, this means: n = 30 years x 12 months per year, or 360 payments.

    The longer the loan, the less you’ll pay each month. You will, however, also pay more in total, because interest compounds. Essentially, you’ll be paying interest on interest. So you multiply the interest rate by itself for each term of payment — hence the exponent in the formula. That will have a great bearing on your decision between a 30-year fixed-rate and a 15-year. Let’s compare.

    Say you’ve decided to buy a home that’s appraised at $500,000, so you take out a $400,000 loan with an interest rate of 3.5%. Let’s take a look at the 30-year loan. For quick reference, again, the formula is:

    M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

    Our P, or principal, is $400,000.

    Remember, with i, we must take the annual interest rate given to us — 3.5%, or 0.035 — and divide by 12, the number of months in a year. This calculation leaves us with 0.002917, or i.

    Our n, again, is the number of payments. And with one payment every month for 30 years, we multiply 30 by 12 to find n = 360.

    When all is said and done, we learn that, for a 30-year loan at 3.5% interest, we’ll pay $1,796.18 each month.

    For the 15-year loan, the math is nearly identical. All that’s different is the value of n. Our loan is half the length, and so n is 180. Each month, then, we’ll pay $2,859.53, over 60% more than with the 30-year loan.

    Over time, though, the 15-year loan is a far better deal, as interest compounds. You pay $514,715 over that time. With the 30-year, you pay $646,624 — over $100,000 more.

    Your decision between these two, quite simply, hinges on whether or not you can float the significantly higher monthly payments for a 15-year loan.

    How can I lower my monthly payment?

    You can lower your monthly payment in a few ways:

    • Increase the term of the loan. As shown  above, the longer you take to pay off the loan, the smaller each monthly payment will be. The downside is that you’ll pay more interest.
    • Decrease the size of the loan. Of course, if you have a smaller loan balance to begin with, you’ll need to fork over less each month to pay it off.
    • Get to the point where you can cancel your mortgage insurance. Some lenders require you to buy mortgage insurance if you put less than 20% down. This is another charge that gets added to your monthly mortgage payment. You can usually cancel mortgage insurance when the ratio of your remaining balance to the home value is less than 80%.
    • Look for a lower interest rate. You can think about refinancing (if you already have a loan) or shop around for other loan offers to make sure you’re getting the lowest interest rate possible.

    Can my monthly payment go up?

    Your monthly payment can rise, in a few cases:

    1. You have an adjustable-rate mortgage in which your payment stays the same for an initial term (such as 5, 7 or 10 years) and then readjusts every year.
    2. If you have an escrow account to pay for property taxes or homeowner’s insurance, those taxes or insurance premiums may increase. Your monthly payment includes the amount paid into escrow, so the taxes and premiums affect the amount you pay each month.
    3. You may have been assessed fees. Check your mortgage statement or call your lender.

    A little math can go a long way in providing an affordability reality check.



    Why should I refinance my home loan? Mortgage Choice #1 #hour #payday #loans


    #refinance home loan
    #

    Why refinance my home loan?

    Reasons to refinance

    Secure a better interest rate

    One of the key reasons home owners choose to refinance their loan is to secure a lower interest rate and reduce their monthly repayments. However, refinancing can come with some costs. so it’s essential to weigh up the savings of refinancing against the expense involved.

    Switch between variable/fixed rates

    If you’d prefer the certainty that repayments will stay the same for a period of time, you may wish to switch to a fixed rate. Conversely, you may decide you’d like to take advantage of a lower variable rate as you can accept the risk that rates may rise in future.

    Access  equity in your home

    Your home is likely to be one of your most valuable assets, and by harnessing home equity you have the opportunity to build additional wealth or simply achieve personal goals. Find out more about accessing your home’s equity .

    Consolidate  debt

    Refinancing  your home loan can provide an opportunity to streamline your debt, and potentially reduce the overall interest you’re paying on multiple debts through the process of ‘debt consolidation’. It means folding several high interest debts into one lower rate debt – which could be your home loan  – and may reduce your total monthly repayments.

    However, it’s important to note that debt consolidation can come with some downsides. It can turn a short term debt like a personal loan into a long term debt (your mortgage), and that means paying interest on the balance for a much longer period which could cost you more in the long run. For debt consolidation to be truly cost effective, you need to commit to making additional repayments to pay off the enlarged loan as quickly as possible.

    Access  additional home loan features

    You may wish to explore a loan that includes:

    • Flexible repayments

    Making extra repayments at no additional cost to help pay off the loan sooner.

  • Repayment holiday
    A break from repayments or reduced repayments to cover career changes or breaks e.g.  maternity leave.
  • Offset account
    Having a savings or transaction account linked to your loan. The balance of the linked account is deducted from, or offset against, the balance of your loan when the monthly interest charge is calculated.
  • Redraw facility
    Enabling you to withdraw any additional repayments you have made on your loan. Handy if you need cash in an emergency.
  • Flexible rate options
    Dividing your rate between fixed and variable components, or even making interest-only payments for a period.
  • Loan portability

    The ability to take your loan with you when you move from one home to another without the expense and hassle of arranging a new loan.

  • Mortgage Choice broker tip



    Small Business Loans, Unsecured Business Loans – My Cash Finance #loan #broker


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    Small Business Loans $1,000 – $500,000

    Small business solutions

    Do you need a small business loan solution? As fast finance specialists, we can get the funding you need within as quickly as 1 – 3 hours! Compared to banks and traditional lenders that can take weeks or even months to process a loan, My Cash Finance is definitely the quicker alternative. All our loans are provided by Max Funding.

    Why we are different to banks

    • We do not require financial statements
    • We do not require business plans
    • Our loan process is small business friendly
    • Our loan process takes only 5 minutes

    Easy to be eligible

    • Use funds for business purpose
    • Own an asset: motor vehicle (financed OK) or real estate property (mortgaged OK)
    • Bad credit is considered for short term loans
    • You are starting a new or operating an existing business
    • Over the age of 18
    • Credit history is relatively good

    What happens if you don’t meet the criteria?



    Refinance Calculator – Should I Refinance My Mortgage? #consolidating #student #loans


    #bankrate auto loan calculator
    #

    Refinance calculator

    Use this calculator to help determine whether you should refinance your mortgage. Estimate the amount of money a refinancing could save you by comparing the details of your current home loan with new rates, terms, and other factors. More.

    More Calculators

    Amortization Calculator

    See what your loan will really cost

    Refinance calculator help

    “Should I refinance?” is a question we hear frequently from homeowners. Zillow’s mortgage refinance calculator helps you decide whether refinancing makes sense for your personal situation. Deciding when to refinance should be based on many factors but, generally, if our refinancing calculator shows you can lower your monthly mortgage payment and offset the costs of refinancing in a reasonable time frame, you should consider a refi.

    Down payment This is the amount of money you will put towards a down payment on the house. Make sure you still have cash left over after the down payment to cover unexpected repairs or financial emergencies. Interest rate This is the interest rate for the loan you will receive. It is pre-filled with the current 30-yr fixed average rate on Zillow Mortgages. Property taxes The mortgage payment calculator includes estimated property taxes. The value represents an annual tax on homeowners’ property and the tax amount is based on the home’s value. Homeowners insurance Commonly known as hazard insurance, most lenders require insurance to provide damage protection for your home and personal property from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions, and more. All homeowner’s insurance policies contain personal liability coverage, which protects against lawsuits involving injuries that occur on and off your property. Mortgage insurance (PMI) Mortgage insurance is required primarily for borrowers with a down payment of less than 20% of the home’s purchase price. It protects lenders against some or most of the losses that can occur when a borrower defaults on a mortgage loan. Also known as PMI (Private Mortgage Insurance). HOA dues Typically, owners of condos or townhomes are required to pay homeowners association dues (known as HOA fees), to cover common amenities or services within the property such as garbage collection, landscaping, snow removal, pool maintenance, and hazard insurance. Loan term This is the length of time you choose to pay off your loan (e.g. 30 years, 20 years, 15 years, etc.) Full report Click on the Full Report link to see a printable report that includes mortgage payment breakdowns, total payments, and a full mortgage payment amortization calculation (table and chart). Amortization table includes ability to view amortization by year or by month.

    Mortgage Learning Center

    Next Step: Shop Rates

    • Low rates
    • Rated reviewed lenders
    • Free, personalized rate quotes

    Shop rates on Zillow



    Lowest Car Loan Interest Rate 2013 – My Best Car Dealer – Year End Promotion #standard #bank #loans


    #car loan interest rate
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    S.Sueilan says:

    Salam, Tuan saya ingin membeli sebuah kereta buatan Honda iaitu Jazz i-vtec dalam awal Januari ini (selepas menerima bonus untuk di jadikan D/P dalam lingkungan 5k) Masalah saya sekarang adalah :

    1. Saya bekerja (sebuah syarikat) dengan gaji di bayar secara tunai (atas permohonan saya sendiri). Dan tabiat saya adalah memecahkan wang-wang berkenaan kepada akauan ASB,Bank Islam dan RHB mengikut keselesaan saya pada bulan tersebut. Ini bermakna saya tidak mempunyai penyata akaun bank untuk di buktikan gaji masuk saya. Adakah ini boleh di pertimbangkan? Gaji saya basic 2200 + 300(elaun) 120 (potongan PTPTN). Saya hanya ada penyata Slip gaji dan KWSP sahaja untuk di buktikan.

    2. Saya mempunyai komitmen untuk akaun ASB 1 monthly dalam 136.70 dan akaun ASB 2 dan monthly sebanyak 300.00 dan pembiayaan peribadi Al Rajhi monthly 198.00. Saya juga ada menjadi penjamin untuk Ibu saya bagi memohon pembiayaan perniagaan dari BSN untuk jumlah 20k. Adakah menjadi penjamin juga di kira sebagai komitmen bulanan?

    3. Berapakah interest yang boleh di katakan hebat boleh Tuan cubakan untuk saya?



    How to Pawn My Car Flint MI – Auto Pawn, Car Pawn Detroit, Payday Loan, Cash Advance – Title Loans of Michigan #loans


    #title loans online
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    How it works

    Title loans MI.com understands how busy you are today. Our Title Loan process is streamlined and designed to get you the loan you need quickly with NO CREDIT CHECKS.

    Our process is just 3 easy steps:

    1. To get started, fill out the online application.

    2. Once you have completed the application, one of our customer service representatives will contact you for processing. Title Loans MI.com will then post the loan documents to the website for your online signature. All loan documents are completed online. It s fast and easy!

    3. A field agent will meet you to take pictures of your vehicle and collect the title.

    Once you are approved, the loan will be electronically deposited into your bank account or the mobile loan agent can bring you a check.

    Other Michigan auto and payday loan companies require you to go to them whereas Title Loans MI.com comes to you!

    You get a low rate on a Michigan auto title loan with Title Loans MI.com. It s quick and easy!

    Many people don’t realize they can borrow money using the value of their car. If you own your car, you can use it to get the cash you need today. With Title Loans MI.com, you keep your car, get the cash you need, and repay the loan according to the payment terms. You can also choose to renew your loan.

    A car title loan rate is much less than a payday loan.



    Can I get a mortgage with my credit rating? #mutual #loans


    #bad credit mortgage
    #

    Can I get a mortgage with my credit rating?

    A poor credit rating can be a major barrier to getting a mortgage, but the good news is, there are lenders who are prepared to help those whose applications may be refused elsewhere.

    The state of play

    It might not seem fair but even having a big deposit in place and a decent salary isn t enough to guarantee you a mortgage. If you have a bad credit score then your application is likely to be refused.

    Banks and building societies are cautious about who they lend to, so they always check credit reports carefully to see if potential mortgage customers have defaulted on any debt payments in the past. They will also look for any County Court Judgments (CCJs) against you, or if you have ever filed for bankruptcy.

    In any of these scenarios apply, the chances are you won t be eligible for most mortgage deals even if your financial problems occurred a long time ago.

    Which mortgages am I eligible for?

    There are some mortgages however, which are specifically designed for those whose credit history is far from perfect. These are often known as sub-prime mortgages or adverse credit mortgages, and are generally offered by lenders specialising in this market.

    It might not seem fair but even having a big deposit in place and a decent salary isn’t enough to guarantee you a mortgage.

    While they work in the same way as standard mortgages, insofar as you borrow a certain amount and then make monthly repayments over a set term, interest rates are unsurprisingly higher and you are likely to need a more sizeable deposit to put down.

    Most lenders will require a deposit of at least 25% to 30% of the property value, compared to around 5% to 10% if you were applying for a standard mortgage.

    Check your credit history

    Before applying for any mortgage, you should always check your credit report carefully, to establish if there is any reason why your application could be refused. You can obtain a copy of your report from one of the major credit rating agencies, which include Experian, Equifax and CallCredit.

    Remember that certain simple oversights, such as not being registered on the electoral roll, or failing to close down credit card accounts that you no longer use, can have a negative impact on your credit rating.

    What else mortgage lenders need to know

    As well as looking at your credit report, lenders will usually ask you to supply several other bits of information before they agree to offer you a mortgage.

    They will want to see pay slips from your employer or typically three years accounts if you are self-employed and bank statements to see how you manage your account.

    The lender will also ask what other debts you have, so you will need to disclose if you have any personal loans or credit cards. If possible, it s a good idea to try to pay these down before applying for a mortgage, as this will demonstrate that you take a responsible approach to your finances.

    Always try and pay any bills on time too, as late payments will again have a negative impact on your credit history.

    Compare interest rates

    When applying for any mortgage, whether you have a poor credit history or not, it is vital to compare as many deals as possible to ensure you find the right one to suit your needs. If you aren t certain which mortgage to go for, then you should speak to a mortgage broker who can talk you through the available options.

    Remember to factor in arrangement fees and any other charges, as these can have a significant impact on the overall cost of the mortgage too.

    Looking for mortgage advice?



    Should I Refinance My Student Loans? #online #loans #instant #approval


    #refinance loan
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    Explore Credit Cards Solutions

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    Should I Refinance My Student Loans?

    Learn whether refinancing student loans is the right choice for you

    There are many potential benefits to refinancing student loans. If you have been making regular payments on your existing loans, you may be wondering how refinancing may benefit you. For example, with Citizens Bank you can refinance both federal and private student loans with the Education Refinance Loan for a single, more manageable monthly payment. You may also be able to receive a lower interest rate and/or lower payment.

    Keep in mind that when you refinance your student loans, you replace your current and future benefits with the benefits of the Education Refinance Loan.

    You can estimate your potential savings now, and after you’re approved we’ll offer you customized options for your Education Refinance Loan. We encourage you to compare those options with your current student loan interest rate, your current monthly payments and any current benefits. Read on to evaluate whether a student loan refinance is right for you.

    Estimate My Savings

    Four quick questions to see how refinancing

    Refinancing considerations for all student loans



  • Refinance Calculator – Should I Refinance My Mortgage? #loans #for #unemployed #people


    #bankrate auto loan calculator
    #

    Refinance calculator

    Use this calculator to help determine whether you should refinance your mortgage. Estimate the amount of money a refinancing could save you by comparing the details of your current home loan with new rates, terms, and other factors. More.

    More Calculators

    Amortization Calculator

    See what your loan will really cost

    Refinance calculator help

    “Should I refinance?” is a question we hear frequently from homeowners. Zillow’s mortgage refinance calculator helps you decide whether refinancing makes sense for your personal situation. Deciding when to refinance should be based on many factors but, generally, if our refinancing calculator shows you can lower your monthly mortgage payment and offset the costs of refinancing in a reasonable time frame, you should consider a refi.

    Down payment This is the amount of money you will put towards a down payment on the house. Make sure you still have cash left over after the down payment to cover unexpected repairs or financial emergencies. Interest rate This is the interest rate for the loan you will receive. It is pre-filled with the current 30-yr fixed average rate on Zillow Mortgages. Property taxes The mortgage payment calculator includes estimated property taxes. The value represents an annual tax on homeowners’ property and the tax amount is based on the home’s value. Homeowners insurance Commonly known as hazard insurance, most lenders require insurance to provide damage protection for your home and personal property from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions, and more. All homeowner’s insurance policies contain personal liability coverage, which protects against lawsuits involving injuries that occur on and off your property. Mortgage insurance (PMI) Mortgage insurance is required primarily for borrowers with a down payment of less than 20% of the home’s purchase price. It protects lenders against some or most of the losses that can occur when a borrower defaults on a mortgage loan. Also known as PMI (Private Mortgage Insurance). HOA dues Typically, owners of condos or townhomes are required to pay homeowners association dues (known as HOA fees), to cover common amenities or services within the property such as garbage collection, landscaping, snow removal, pool maintenance, and hazard insurance. Loan term This is the length of time you choose to pay off your loan (e.g. 30 years, 20 years, 15 years, etc.) Full report Click on the Full Report link to see a printable report that includes mortgage payment breakdowns, total payments, and a full mortgage payment amortization calculation (table and chart). Amortization table includes ability to view amortization by year or by month.

    Mortgage Learning Center

    Next Step: Shop Rates

    • Low rates
    • Rated reviewed lenders
    • Free, personalized rate quotes

    Shop rates on Zillow