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

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

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


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


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

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Business Name Ideas – Top Tips – Company Name Ideas! ~ Video

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VRBO- Vacation Rentals by Owner Review and Tips! and Video

#VRBO- #Vacation #Rentals #by #Owner #Review #and #Tips

VRBO- Vacation Rentals by Owner Review and Tips, NEF2.COM


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Buying Individual Health Insurance Tips? ) Video

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Buying Individual Health Insurance Tips, NEF6.COM


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Moving Truck Rental Warning. 3 Tips To Protect Yourself When Renting Trucks For Your Move.? ) Video

#Moving #Truck #Rental #Warning. #3 #Tips #To #Protect #Yourself #When #Renting #Trucks #For #Your #Move.

Moving Truck Rental Warning. 3 Tips To Protect Yourself When Renting Trucks For Your Move., NEF6.COM


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Moving Truck Rental Warning. 3 Tips To Protect Yourself When Renting Trucks For Your Move., NEF6.COM

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Student loan consolidation tips #how #to #apply #for #student #loans


#school loan consolidation
#

Student loan consolidation tips

If you have several student loans, you may be thinking about finding a way to consolidate them into one or two more manageable monthly payments. In the past, we have talked about considerations around consolidation. Here are a few more things to evaluate before you start down the consolidation path:

Private and Federal student loans do not mix. If you have federal and private student loans, realize that you may not want to consolidate them together (or may not be allowed to by some lenders). They can be consolidated separately with Federal Direct Loan consolidation and private student loan consolidation. Federal student loans offer a variety of repayment options which you may not want to give up, while private student loans may offer better interest rates, if you (or your cosigner) have a good credit history.

Two people can consolidate their private student loans into one loan. Any two individuals whose finances are bound together—spouses, domestic partners, or even family—may find it convenient to simplify their loan payments. As the new loan cannot be un-consolidated, though, this is not an option to be taken lightly.

Private consolidation requires a new credit review. A loan consolidation actually opens one brand new loan which pays off your existing loans, so you have all new terms, conditions and—of course—you have to qualify for that lump-sum amount. If you have not built up much of a credit history yet, you may still need a cosigner on your consolidation loan. However, keep in mind that some lenders may offer a “cosigner release” option if you qualify. At Wells Fargo, we also have “borrower benefit” criteria: if the consolidation does not provide some real benefit to the borrower (such as an interest rate reduction or a lower monthly payment), then we will let you know that consolidation isn’t available to you.

Student loan consolidation can be a great tool to simplify your finances, but it is not right for everyone. Evaluate your situation carefully, ask questions, and share your consolidation stories with us. Did you consolidate your loans? What were the benefits to you? Is there anything you would have liked to have known?



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


#loans for college
#

Best College Loan Advice: 9 Tips for Borrowing for College

  • Lynn O’Shaughnessy
  • MoneyWatch

Last Updated Apr 13, 2010 4:15 PM EDT

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

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

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

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

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

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

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

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

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

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

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



Car Loan Tips #instant #payday #loans #uk


#interest rates on car loans
#

Car Loan Tips

How to Avoid a Higher Interest Rate in Your Next Car Loan

Buying a car can be a daunting and intimidating task with tricks and traps at every turn. Car buyers often spend countless hours researching the best vehicles, comparing key features, and ultimately finding the best deals. But when it comes to financing their new vehicle, car buyers are often left in the dark as to what constitutes a good car loan and what abusive practices to avoid.

Run Your Credit Report

Before embarking in your car buying journey, request your credit report from the three credit bureaus. You can request your credit report for free once a year by visiting annualcreditreport.com or by calling 1-877-322-8228. Your credit report will give you a glimpse of your creditworthiness and inform you of any possible shortcomings. Knowing of all this before stepping into a dealership will guard you from the most aggressive selling tactics and help you walk away when the financing offered is not in your best interest.

Visit Your Nearest Bank or Credit Union To Get A Quote

Negotiate for a Better Rate

Other Things to Consider:

Comparison Shop Online: The internet has made it a lot easier for consumers to compare car prices and loan rates online. Start your research there before you head out to the dealership.

Yo-Yo scams: Yo-yo scams or spot deliveries occur when a car buyer drives away with the vehicle without finalizing sale. Once home, the dealer will call back the buyer claiming that it was unable to fund the loan at the agreed-upon terms. The buyer must then return the car to the dealer and often renegotiate the loan at a higher interest rate than one agreed-upon before.

Buy Here and Pay Here Dealers: Buy Here Pay Here dealerships typically finance used auto loans in-house to borrowers with no or poor credit. The average APR is usually much higher than a bank or credit union loan. The car loans made by these dealers are often unsustainable and lead to a high rate of repossessions.

Take Your Time: The average consumer spends 45 minutes with the finance and insurance department at the dealer (only 27 minutes if they take a test drive), so take your time to consider your lending options and don t feel pressured to sign the dotted line. You have the right to take the entire paperwork home before agreeing to the loan.

Don t Get Caught In The Monthly Payment Trap: Dealers will often attempt to mask the true cost of their loans by focusing on the monthly payments. Be sure to compare the total cost of all the loans offered and to choose the one that is less costly to you in the long run.



3 Tips to Get Guaranteed Private Student Loans with Bad Credit. #loan #calculator #auto


#guaranteed student loans
#

3 Tips to Get Guaranteed Private Student Loans with Bad Credit

Guaranteed private student loans are less expensive than loans without a guaranty. A guaranty is simply a promise from another organization, typically the federal government, to purchase the loan from a lender if you default. Most loan guarantees are given to creditworthy applicants only. However, if you have bad credit, there are a few options that may still make you eligible for a guaranty, despite your poor financial record.

#1 Provide Written Explanation

Whenever you have bad credit, it is important to point to a specific cause of that negative report. Simply mismanaging your finances will not be a good reason for a future lender to trust you. Alternately, if you have had an illness or emergency, a lender may be sympathetic to the causes of missed payments in the past. For many students, the cause of low credit is a short credit history instead of missed payments. You can explain these circumstances to a lender with a short written explanation. Submitting this along with your loan application will show a lender you are aware of the issue and have taken steps to correct it. Above all, the lender wants to see you are no longer under the pressures that caused you to previously miss payments on your credit history. Once a private lender accepts your loan, then you can submit the same documents to a service that will guaranty your loan.

#2 Seek Need Based Loans

The federal government does give need based loans to students who are economically disadvantaged. Even with these loans, though, the borrower should show he or she is creditworthy. Since the loans are going to needy people, the government may be more understanding of issues that result from economic disadvantages. Be sure to highlight your disadvantages in your application. You can have a private loan guaranteed by the government based on your need, just as easily as your credit score.

The basic criteria for any loan guaranty are that you are able to locate a private lender to fund your loan. In order to do so with bad credit, you may need to get creative with your loan application. Using collateral, like a savings account or hard asset, may provide a lender more confidence in your ability to pay the loan. You can also borrow the good credit of a close associate or relative by using him or her as a cosigner. Again, you will need to apply separately for the loan guaranty and meet the qualifications of the guaranteeing institution. However, the same rules generally apply here as do with a private loan: provide assurance against default and credit becomes less important.



Top 3 VA Home Loan Tips #student #loans


#best home loan
#

Top 3 VA Home Loan Tips

Military.com

There are numerous advantages to having a VA mortgage. A VA mortgage loan can be guaranteed with no money down, in some cases up to $417,000. There is also no private mortgage insurance requirement with a VA guaranteed loan, which could offer you substantial savings on your monthly payment. You can even use your VA Loan benefit to refinance an existing loan — even if it is not a VA Loan.

Be sure to ask for information about the interest rate reduction loan. This program adjusts an adjustable-rate mortgage to a fixed-rate loan, which is part of the Streamline Refinancing Program, which allows you to refinance at little or no expense to them.

We’ve scoured the Internet to find useful tips for our members to help prepare to take advantage of this exclusive benefit. The following is a collection of useful, concise tips regarding the Veterans Administration Home Loan.

Tip #1: Check Your Credit First

Did you know that over 70 percent of all credit reports in the United States contain errors? Your lender will be looking at your credit report and making important decisions based on the information that is contained within — decisions that could make a big difference in the bottom-line.

Because lenders use complicated scoring formulas to determine how much you can borrow and at what rate it would be a good idea for you to check your credit report for any inaccuracies. Make sure you obtain a report that gives you information from all three major credit bureaus, as each may be different.

What may seem minor to you might not to a lender. Contact the credit bureaus to correct any mistakes. This could result in substantial savings on the cost of your loan.

Download a free VA Loan Guide to learn more about this exclusive (veterans and military only) benefit

Before you start the hunt for a house, the best thing you can do is to get pre-approved for your VA loan amount. The time you save quite literally will be your own. Once you have determined the loan amount you are approved for, you can start house hunting with confidence. In a tight housing market it will also give you a heads up with the seller, as other potential buyers may not have taken this important step.

Knowing in advance what you are able to afford offers a great deal of security. That kind of security will go a long way as you search for the best value for your money. Having a VA mortgage is an excellent benefit, but finding the right home is just as important. With pre-approval, you avoid wasting time with homes out of your price range or sellers who are unsure whether you are a serious buyer.

Tip #3: Choose Wisely – Fixed or Adjustable Rate Loan?

Chances are you will be looking for your VA guaranteed loan in the same places people go to get non-VA home loans or conventional loans. It always pays to shop around, which is why we match you with up to three lenders at Military.com. You can choose to get a fixed rate loan, which you’ll negotiate with the lender, but don?t discount the possibility of a VA adjustable rate mortgage (ARM).

The interest on an ARM may be adjusted one percent annually, and up to five percent over the duration of the loan period. So should you go with a Fixed rate or adjustable? It really depends on the buyer: In a rising rate environment a fixed rate loan can offer some piece of mind but for those who might not be planning in staying in their home more than a few year, and ARM can offer significant savings now. The best advice is to do your homework, find the most competitive rate and don’t take the first offer you get. That is a mistake often made by first time homebuyers who are excited getting into a house. The time you spend now will yield results for years to come.

Next Step: Download a free VA Loan Guide today, to learn more about this exclusive (veterans and military only) benefit



Tips On Refinancing a Mobile Home Loan #3 #month #loans


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Refinancing mobile home loan at lower rate

Buying a mobile home, also known as a manufactured home, can be one of the most affordable ways to own.

One decision can make a significant difference in monthly payments: whether to finance the mobile home with a personal property loan or a mortgage.

Personal property loans, known as chattel loans, have much higher interest rates than mortgages. To some owners of manufactured homes, refinancing chattel loans into mortgages could reduce monthly housing expenses.

Refinancing a mobile home

To qualify for refinancing as a mortgage:

  • The home must be on a permanent foundation that meets standards set by the Department of Housing and Urban Development.
  • The manufactured home must be titled as real estate rather than as personal property.
  • The homeowner has to own the land that the manufactured home is on. An important exception to this rule is explained below.

Big difference in interest rates

In 2012, about 68 percent of all manufactured-housing purchase loans were considered higher-priced mortgage loans, and many of them were chattel loans, according to the Consumer Financial Protection Bureau.

More On Refinancing:

“refinance”

Interest rates on chattel loans range from 7 percent to 12.75 percent, says Ken Rishel, founder of Rishel Consulting Group in Chicago. The loans are usually for 15 or 20 years.

In contrast, the average rate for a 30-year fixed-rate loan has been well below 5 percent for all of 2014.

Rishel, whose company makes chattel loans of at least $5,000, says the interest rates are risk-based, and chattel loans are often the only choice for borrowers with poor credit. Chattel loans are the main option for owners whose mobile homes are not permanent foundations.

Converting to a new title

Some states have eased the process of converting a personal property title into a real estate title, making refinancing possible, says Marc J. Lifset, an attorney with McGlinchey Stafford in Albany, New York.

Lifset helped financial institutions lobby for the approval of that legislation in Alaska, Illinois, Iowa, Louisiana, Maryland, Missouri, Nebraska, North Dakota, Tennessee and Virginia.

“The legislation provides a clear definition of when the home is real estate and when it is not,” he says. “It makes the process more certain. In many states, the definition was murky.”

Getting a real estate title

A real estate attorney or title company can help with a title conversion as a first step to refinance. Owners of manufactured homes need to provide:

  • A certificate of title to the home or a copy of the manufactured certificate of origin.
  • The deed to the land where the home with the permanent foundation is located.

Once the owner has the real estate title in hand, the next step is to find lenders that provide mortgages on manufactured homes. The rest of the process is similar to closing a mortgage on any residential property.

Borrowing on leased land

Under some circumstances, owners of manufactured homes leasing a lot at a mobile home community can get mortgages — even if they don’t own the land beneath their feet.

The Federal Housing Administration offers a program known as Title I, designed for owners whose mobile homes are on a permanent foundation but are within a manufactured housing community.

Among the requirements for a Title 1 mortgage:

  • The mobile home must be the borrower’s primary residence.
  • The home has to be on a rental site in a manufactured home park that conforms to FHA guidelines.
  • The lease agreement must meet FHA standards.

It’s not easy to find mobile home communities that meet the FHA’s strict guidelines, says Rishel, whose company makes chattel loans in land-lease communities. “Not many landlords participate on the Title I program.”

Few lenders offer Title I mortgages. One is 21st Mortgage, which is owned by Clayton Homes, one of the nation’s largest manufacturers of mobile homes.

Costs of switching title

When a mobile home is titled as personal property, the owner pays personal property taxes. When it’s titled as real estate, the owner pays real estate taxes. In many states, property taxes tend to be higher.

“The consumer has to do the math on how much they are going to save by lower interest rates, compared to how much more taxes they may be paying and what the closing costs are going to be” in a refinancing, Lifset says.

Another potential downside: If the owner has to build a permanent foundation to refinance a chattel loan, that expense has to be taken into account. Building a new foundation could cost $10,000 to $15,000, Rishel says.

“Refinancing is a valuable thing but for a limited number of people who live in manufactured homes,” he says.



Refinance Car Loan Tips and Tricks #payday #loans #no #credit #check


#refinance auto loan
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Refinance Car Loan Tips and Tricks

A refinance car loan is an effective way of saving money. A lot of people pay high interest rates on their car loans and overlook the benefits of auto refinancing. It helps you focus on repaying the principal of the loan rather than paying a lot of money on the interest. Even though refinancing your car loan is a straightforward process, you need do your homework and evaluate your credit score.

See what kind of interest rates you can get

Choose the Right Auto Loan Lender

Your first step in refinancing your car loan should be to find an auto loan lender who offers a low Annual Percentage Rate (APR). Research lenders and see what they have to offer. Consult your friends who have had an experience in auto refinancing. Ask them to the good and bad points about their auto lender company and be sure to ask them how much they lowered their car payment and how much they ultimately saved with auto loan refinance.

Since most refinancing companies have their own calculator, it is advisable to shop around and check which company provides the lowest interest rate. You can determine which company has a lower interest based on the monthly payment it estimates you need to pay. Check at least three different companies before settling on one.

Get started by finding your refinancing rates now

Run a Credit Check

Before you refinance your auto loan, it is best to run a credit check to determine your current credit standing. As with any financing application, you need to know whether you have a bad credit history, since this may determine the interest rate for the refinance auto loan. There are several accredited websites where you can check your credit report or history.

Do Not Apply for a Refinance Car Loan If Your Credit Score Is Below 600

If your credit score is not impressive, you will not gain maximum benefits from refinancing. Interest rates are determined by your credit score. If you have a good credit score, it is likely that you will get a lower interest rate. You should have a good credit history before you apply for refinancing. Consulting a credit repair company to improving your credit score will prove helpful. It is a myth that your credit score drops if you run your credit report online. It is common for auto dealers to use your ignorance about your credit history to charge you higher interest rates.

Consider Auto Loan Refinancing Even If the APR on Your Car Loan Is Low



Utah Home Insurance Quotes #utah #home #insurance, #utah #home #insurance #tips, #utah #home #insurance #information, #utah #home #insurance #quotes, #compare #utah #home #insurance #quotes, #utah #home #insurance #quote


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Get a Better Deal with Utah Home Insurance Quotes

While much of the Beehive State is rather sparsely populated, there are still plenty of spots for people to call home in Utah. Homeowners insurance is, of course, one of the many expenses that comes with owning your house, and though it is not required by law, lenders and most property owners deem it a necessary precaution. Utah home insurance is significantly low in cost when compared to rates in other states, but its status as the fastest growing state in the nation could indicate that Utah home insurance premiums may see a rise in the not-so-distant future. Though it is highly unlikely that residents will see rates like those found in New York, California, or Louisiana any time soon, Utah homeowners insurance quotes are of great benefit for both present homeowners, as well as those who will purchase a home in the coming years.

Why Utah Home Insurance Quotes Are So Beneficial

Whether you’ve had your policy for decades or you’re looking to buy your first policy ever, much can be gleaned by examining home insurance quotes. Utah is pretty affordable when it comes to insuring your house (according to the National Association of Insurance Commissioners, Utah’s annual average expenditure is $494, making it well below the national average of $804). However, just because the statewide rates for home insurance are relatively low doesn’t necessarily mean that you are automatically going to get a great deal with every insurance provider.

For folks in Utah, home insurance quotes are likely to vary from company to company; though this variation is often small to modest, in some cases, one insurance provider may offer the same amount of coverage as another for hundreds less each year. Getting quotes is the most effective way to show you what the competition is offering, and since the competition can sometimes save you a significant amount of money, it is difficult to dismiss the benefits of periodically getting a few quotes from other companies.

Other Ways to Save on Utah Home Insurance

Of course, changing insurance providers is not the only way to lower your yearly homeowners insurance costs. Many folks who find their insurance rates are too large to fit their budgets can lower bills by increasing deductibles, lowering limits, or eliminating certain types of coverage from their policies. Each of these is an effective way to reduce your yearly insurance bills, but none is without its drawbacks. Increasing your deductible means that, when your home is damaged, you’ll have to pay more out of pocket before your insurance even starts to kick in. Lowering your limits means that your provider may not cover all of your repair or replacement costs, leaving you to make up the difference. Eliminating certain types of coverage may be a good option in some cases, but as the 1999 Salt Lake City tornado taught many a homeowner: you just never know when or how damage to your home might occur.

Utah Home Insurance Discounts

In addition to changing providers and altering your existing policy, Utah home insurance providers offer another way to save money on your premiums: Discounts. Installing a monitored alarm system, upgrading old wiring and plumbing, increasing your credit score, remaining claim-free for several years, and taking out multiple policies with the same provider are just a few of the things that many insurance companies offer discounts for. Of course, not everyone is eligible for discounts, and as making yourself eligible for discounts often costs money up front, the investment may be out of reach for some homeowners in Utah. Homeowners insurance quotes are free to anyone, and the fact that they may offer significant savings without any kind of monetary investment makes them one of the most affordable (as well as effective) tools around for lowering your rates. NetQuote offers a simple and convenient route to finding Utah insurance quotes. Are you paying too much? Let us help you answer that question.



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


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Upside-down on a Loan?

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

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

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

Why is this so common?

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

Understand Your Position

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

Understand Your Options

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

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

Benefit:

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

ent.

Risk:

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

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

Benefit:

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

Risk:

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

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

Benefit:

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

Risk:

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

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

Benefit:

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

Risk:

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

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

Avoid Being Upside-Down Again

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

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


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


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Zero-Percent Financing: Financial Fact or Fiction?

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

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

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

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

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

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

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

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

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

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



    Fully Funded PhD Programs in Education #phd #in #education,fully-funded #phd #programs,phd #fellowships,phd #scholarships,phd #scholarships #in #education,phd #programs #in #education,phds #in #education,full-funding #phd,full-funded #phd,fully-funded #doctoral #programs,fully #funded #phd #programs,phd #funding,education,fellowship #tips,fellowships,health #education,music #education,special #education,teaching,united #states


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    Fully Funded PhD Programs in Education

    Feb 07, 2013 • Views 448,064

    Last updated May 1, 2017

    Next in my series on How To Fully Fund Your PhD. I provide a list below of universities that offer full funding to all students admitted to their doctoral programs in education, international education, and educational leadership.

    You can find several competitive, external fellowships in the ProFellow database for graduate and doctoral study, but it is useful to seek out PhD programs that offer full funding to all admitted students. When a doctoral program indicates that they provide full funding to their PhD students, in most cases this means they provide each admitted student full tuition and a stipend for living expenses for the four to six year duration of the student’s doctoral studies. Not all universities provide full funding to their doctoral students, which is why I recommend researching the financial aid offerings of all the potential PhD programs in your academic field, including small and lesser-known schools both in the U.S. and abroad.

    Harvard University, Graduate School of Education, PhD in Education (Cambridge, MA): Harvard provides full financial support for PhD students for all five years of the program.

    New York University, Steinhardt School of Culture, Education and Human Development (New York, NY): NYU Steinhardt awards all students (including international students) who are offered full-time admission to our PhD programs a full funding and mentoring package.

    Queen s University, School of Graduate Studies, PhD in Education (Ontario, Canada): Queen’s guarantees a minimum funding package currently valued at $18,000 [CAD] per year for fours years for full-time doctoral students; in most cases, funding packages are higher (2011-12 average: $25,800). In addition, Queen’s guarantees an international tuition award (or equivalent award) valued at $5,000 per year for four years for eligible international doctoral students.

    University of California Irvine, PhD in Education (Irvine, CA): Effective 2015, all incoming UC Irvine PhD in Education students, including California residents, non-residents, and international students, are offered five years of financial support. Funding includes an academic year stipend or salary, tuition and Student Services Fee waiver, and student health insurance.

    University of Colorado, School of Education (Boulder, CO): Admitted doctoral students received four-year funding packages including a stipend and a tuition grant equal to the cost of tuition (in-state and out-of-state).

    Find more graduate fellowships for doctoral study and dissertation research in ProFellow s fellowships database .

    © Victoria Johnson 2013, all rights reserved.

    Related Posts:

    Very useful information you ve presented here after scouring the internet for weeks. This term fully funded was the buzzword I was missing. Now to find fully funded PhD programs that can be done online with minimal residency so I don t have to uproot my family and my current teaching load. Are there
    any online programs that are fully funded?

    Tracy, I have not been able to find any so far. Online programs are typically offered by for-profit universities. However, if you can find a 3-year PhD position that does not require the normal 2 years of course (typically you need to have a Master s/postgraduate degree already to be eligible for these), you may not need to be in-resident. These programs are more common in Europe, Asia and Oceania. Thus you might spend some time abroad to get started, and then could complete your PhD dissertation remotely. This would require negotiation with your supervisors.

    Try Colorado State University, their program is fairly new (10) but they have some online portion and a short residency program.



    Pay-Per-Click Advertising: What Is PPC – How Does It Work? #pay #per #click #advertising, #pay #per #click #advertising #techniques, #pay #per #click #advertising #tool, #pay #per #click #advertising #tips


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    Pay-Per-Click Advertising: What Is PPC How Does It Work?

    If you have ever noticed the advertisements that appear alongside search results on Google and other search engines, you are already familiar with pay-per-click, or PPC advertising .

    What Is Pay-Per-Click Advertising?

    PPC is an online advertising model in which advertisers can display ads for their goods or services when users – people searching for things online – enter relevant queries into search engines. Advertisers are only charged when a user actually clicks on their ad, hence the name “pay-per-click.” Due to the nature of keywords and the role they play in paid search, pay-per-click advertising can also be referred to as keyword advertising .

    How Does Pay-Per-Click Advertising Work?

    In order for ads to appear alongside the results on a search engine (commonly referred to as a Search Engine Results Page, or SERP), advertisers cannot simply pay more to ensure that their ads appear more prominently than their competitor’s ads. Instead, ads are subject the what is known as the Ad Auction, an entirely automated process that Google and other major search engines use to determine the relevance and validity of advertisements that appear on their SERPs.

    Pay-Per-Click Advertising: Keywords

    As its name implies, the Ad Auction is a bidding system. This means that advertisers must bid on the terms they want to “trigger,” or display, their ads. These terms are known as keywords.

    Say, for example, that your business specializes in camping equipment. A user wanting to purchase a new tent, sleeping bag, or portable stove might enter the keyword “camping equipment” into a search engine to find retailers offering these items.

    At the moment the user submits their search query, the search engine performs the complex algorithmic calculations that the Ad Auction is based upon. This determines which ads are displayed, in which order, and by which advertiser.

    WordStream: Actionable Insight into Your Pay-Per-Click Advertising Campaigns

    Although the basics of pay-per-click advertising are simple, managing a successful paid search account can be anything but. Many advertisers simply cannot devote the time and effort required to stay abreast of developments to Google AdWords and Bing Ads, and many are missing valuable opportunities to grow their business through PPC.

    WordStream can help.

    Our suite of free tools, as well as our trusted WordStream Advisor software platform, demystify pay-per-click advertising management and allow you to focus on what really matters – growing your business and helping your customers. WordStream’s tools can help you every step of the way, whether you’re an experienced PPC advertiser or are new to the world of paid search.

    WordStream’s free search marketing tools connect securely to your Google AdWords and Bing Ads accounts, enabling you to see, at a glance, a wealth of data from your campaigns that would be otherwise difficult to access in one centralized location. Based on this data, you can take steps to optimize your AdWords and Bing Ads campaigns to increase conversions, maximize return on investment, and grow your business.

    We can provide insight into actionable data, including:

    • Keywords, including top-performing search terms
    • Negative keywords that can save you money
    • Conversions
    • Ad performance information
    • Bid optimization suggestions

    Master Pay-Per-Click Advertising with WordStream Advisor

    WordStream Advisor takes the headache out of pay-per-click advertising. With the 20-Minute PPC Work Week system, you can discover new opportunities, optimize your account, and adjust your ad spend to align with your paid search goals.

    WordStream Advisor’s automated alerts will notify you of areas in which immediate action can be taken to yield better results, and make suggestions on which areas of your account can be improved. WordStream Advisor will allow you to:

    • Discover new keywords
    • Create logically organized ad groups
    • Identify negative keywords that could be wasting your ad budget
    • Improve your ad copy
    • Create compelling, relevant landing pages

    WordStream can help you achieve your pay-per-click advertising goals. To find out how, try our free AdWords Performance Grader Plus to assess the strength of your AdWords account, or get access to a free trial of WordStream Advisor and discover how much easier paid search can be.

    Paid Search Marketing



    How to win prizes with Publishers Clearing House #how #to #win,pch.com,pchgames,pchlotto,pchslots,pchonlinesurveys,pchslots.com,pchgames.com,pchlotto.com,pchonlinesurveys.com,publishers #clearing #house,pch #affiliate,best #lottery #games,expert #sweepstakes #tips,lotto,online #games,pch,pch #games,pch #lotto,win #a #million,win #more,you #could #win


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    How to win prizes with Publishers Clearing House

    How to win. Have you ever heard about PCH Channels? Indeed, Publishers Clearing house operates eight websites, including PCH Search and Win, pchgames . pchonlinesurveys.com, pchlotto . win big with PCH-SLOTS . PCH Save and Win, PCHBingo and Candystand . There are many people who are aware of the millions of dollars that Publishers Clearing House gives away simply by register online at pch.com or through mail. However, are you aware that there are many other methods of winning through Publishers Clearing House? If you would like to learn about additional methods of winning, continue reading this article.

    First, visit the Publishers Clearing House s main website at www.pch.com. Here, you can sign up for entry forms for their multi-million sweepstakes. In addition, this site allows you to learn more information about their customer service, magazine subscriptions, and scams that are circulating so that you can avoid them.

    Win Sweepstakes and Contests

    Consider playing PCHGames ( pchgames.com ). These games allow you to relax and have fun playing free online games; however, the best news is that these games allow you opportunities to win prizes. Whenever you play games like Video Poker and Spider Solitaire, you earn tokens, which can be traded for entering into sweepstakes to earn prizes.

    You can further increase your odds of winning prizes by searching the Internet through pchsearch.com, which is owned by Publishers Clearing House. Simply make a search through the search bar on pchsearch.com (PCH Search Win), and you have the opportunity to win prizes.

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    You now know of several great ways to increase your chances of winning through Publishers Clearing House. PCH has given away over $220 million in prizes since it opened in 1967. You could be the next winner! How to win prizes with Publishers Clearing House. Good luck!

    I want to win it all so please confirmed my vip and activate $10,000.00 hope to see you soon

    HELLO PCH IM CLAIMMING 5,000.00 A WEEK FOR LIFE FROM GWY NO 6900- PLUS 7,000.00 A WEEK FOR LIFE FROM GWY NO 6900 FOR OCTOBER 21ST 2016 I WOULD LOVE TO WIN PCH I REALLY NEED IT SO BAD. PRIZE PATROL TEAM I WAS HOPING YOU WOULD HAVE CAME HERE FOR DECEMBER, BUT I GUEST NOT IT DIDNT HAPPEN. I WAS HOPING YOU WOULD HAVE COME BECAUSE I LOST MY SECOND DAUGHTER ON NOVEMBER 27TH 2016 I STILL DONT HAVE NO MONEY TO BURIE HER, THIS IS A SAD YEAR FOR US. BUT SOME ILL TRY TO GET SOME MONEY IF IT TAKE ME ALL MY LIFE TO PUT HER TO REST. WELL THANKS ANYWAYS FOR EVERYTHING. KATHY.E

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    Money Google News

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    New York TimesBlue Apron, a Meal Delivery Service, Files for Public OfferingNew York TimesBlue Apron [ ]

    ReutersPace of US auto sales slows; GM, Ford shares rise anywayReutersA worker dusts the roof of a n [ ]

    ReutersUS factory activity edges up; private payrolls surgeReutersFILE PHOTO; Jacob Bailey conducts [ ]

    Washington PostWalmart is asking employees to deliver packages on their way home from workWashington [ ]

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    Personal Finance Education – Tips, Articles and Advice #consolidation #loans #with #bad #credit


    #personal finance
    #

    Personal Finance

    Personal Finance Tips, Articles and Advice

    • RSS Feed for Personal Finance

    Personal finance education is the cornerstone to living a happy, healthy and successful life. It’s never too early to learn how to manage your money, keep your debt under control and invest for your future.

    The first step in your personal finance education should be achieving financial literacy: You’ll need to understand the words that professionals use when talking about money. The second step in your education should be talking about money. Too many people make poor financial decisions because they are afraid that discussing money matters is taboo. If you’re reading this, fear not, because we think talking about money matters is crucial.

    The articles below contain tips and advice on personal finance basics as well as more advanced concepts like financial planning. We’ve also included links to other useful resources.

    If you’re looking for advice in a hurry, you can always refer to “The Lazy Person’s Guide to Personal Finance ,” but remember, impatience is one of the “10 Reasons You Aren’t Rich .”

    Latest News on Insurance

    Select the service that is right for you!



    Schulich York 2017-2018 MBA Essay Writing, Editing, Tips, Analysis #schulich, #york, #canada, #mba #essay #writing, #tips, #analysis, #application, #deadlines, #mba #essays, #india, #best, #editing, #2017, #2018, #2019, #2020


    #

    Schulich York One of the most highly regarded Business Schools in Canada, Schulich is also a frequent global Top 30 ranker. Schulich provides a highly stimulating and diverse MBA education and has the potential to open doors to many new career options for you.

    Schulich York Class Profile MBA class is comprised of 30% women students and 70% male students and 41% of students come from outside Canada. Average GMAT score is 660, average age of admitted students is 29 years and the average work experience is 5 years.

    Schulich York Application Deadlines Jan 2018 intake Round 1 (05 Jul 2017), Round 2 (05 Sep 2017), Round 3 (01 Oct 2017), Round 4 (15 Nov 2017)

    Schulich York Application Deadlines Sep 2018 intake Round 1 (01 Dec 2017), Round 2 (01 Feb 2018), Round 3 (15 Mar 2018), Round 4 (30 Apr 2018)

    Schulich York Essay 1. How will the Schulich MBA degree help you achieve your short and long-term career goals? (350 words)

    Schulich York Additional Information Essay. Is there any other information or areas of concern in your academic or personal history that you believe would be helpful to the Admissions Committee in considering your application? (350 words)

    Video Essay and Timed Writing Sample

    Before embarking on these application elements, you will need:

    1. an uninterrupted 20 to 30 minutes

    2. a stable webcam and proper keyboard

    3. to be dressed in interview-appropriate clothing

    Once you are set up, please use the unique link below to record two video essays and to complete a five-minute timed writing sample. Kindly note that these must be completed in one sitting, and you only get one chance to record your answer to each question. We suggest that you review our Application Tips, above, before getting started.

    When registering, to ensure that the Video Essays and Timed Writing Sample get matched up with your application, please be sure to use the same email address that you are using for this application.

    Timed writing sample tips from York: You will have up to 5 minutes to answer a question we provide in writing. This allows us see what you come up with on the spot. We will not expect a polished product, but will continue to look for interesting ideas, correct spelling and proper syntax.

    Schulich York Resume: A detailed resume of work experience is an important part of the application process. List your work experience starting with the most recent. Clearly identify the name of firms, locations, positions held, responsibilities, dates of employment and indicate if your employment was full time or part time. Also outline your participation in any extracurricular activities, community work or other organizations. Identify the dates of your involvement in such activities. MBA Resume Writing Tips

    Schulich York MBA Essays 2016-2017

    Please answer the following questions and statements clearly and concisely ensuring that each essay adheres to the required word length requested. The following question will assist the Admission Committee in evaluating your application.

    Schulich York Essay 1. How will the Schulich MBA degree help you achieve your short and long-term career goals? (350 words)

    Video Essay and Timed Writing Sample

    Before embarking on these application elements, you will need:

    1. an uninterrupted 20 to 30 minutes

    2. a stable webcam and proper keyboard

    3. to be dressed in interview-appropriate clothing

    Once you are set up, please use the unique link below to record two video essays and to complete a five-minute timed writing sample. Kindly note that these must be completed in one sitting, and you only get one chance to record your answer to each question. We suggest that you review our Application Tips, above, before getting started.

    When registering, to ensure that the Video Essays and Timed Writing Sample get matched up with your application, please be sure to use the same email address that you are using for this application.

    Timed writing sample tips from York: You will have up to 5 minutes to answer a question we provide in writing. This allows us see what you come up with on the spot. We will not expect a polished product, but will continue to look for interesting ideas, correct spelling and proper syntax.

    Schulich York MBA Essays 2015-2016

    Please answer the following questions and statements clearly and concisely ensuring that each essay adheres to the required word length requested. The following question will assist the Admission Committee in evaluating your application.

    Schulich York Essay 1. How will the Schulich MBA degree help you achieve your short and long-term career goals? (350 words)

    Schulich York Essay 2. Describe a time when you were faced with an ethical dilemma. What strategies did you use to resolve the issue? What would you have done differently if faced with a similar situation? (350 words)

    Schulich York Essay 3. Optional Scholarship and Award consideration. Describe your involvement in activities outside of work. How have they contributed to your personal achievements and enhanced your self-development? (500 words)

    Schulich York Additional Information Essay. Is there any other information or areas of concern in your academic or personal history that you believe would be helpful to the Admissions Committee in considering your application?



    Disk Cleanup Utility #microsoft, #microsoft #windows, #windows #xp, #windows #vista, #windows #7, #windows #8, #service #pack #2, #sp2, #service #pack #3, #sp3, #tweaks, #tips, #registry, #performance, #features, #screenshots, #maintenance, #group #policy, #clean #install, #update, #professional, #help, #firewall, #knowledge #base, #shutdown, #installation, #file #sharing, #xp #power #toys, #upgrade, #theme, #setup, #fat32, #ntfs, #slipstream, #messenger #removal, #forum, #ctp, #control #panel, #xp #forum, #vista #forum, #win #7 #forum, #virtual #machine, #virtualisation.


    #

    Disk Cleanup Utility

    To keep a PC running smoothly, regular maintenance is critical. Many users shy away from maintenance tasks, thinking it is a long, drawn out manual affair, but the Disk Cleanup Utility can easily determine which files on a hard drive may no longer be needed and delete those files. In addition to freeing up potentially significant amounts of hard drive space, using Disk Cleanup on a regular basis can significantly improve system performance.

    Starting Disk Cleanup

    Disk Cleanup is available on both Home and Professional versions of XP. The utility can be accessed using the methods listed below.

    • Click Start | Programs | Accessories | System Tools | Disk Cleanup
    • Click Start | Run and in the Open box type cleanmgr and click OK
    • In Windows Explorer or My Computer, right-click the disk in which you want to free up space, click Properties. click the General tab, and then click Disk Cleanup .

    Use the drop down menu arrow to select the drive you want to clean.

    Click [OK ] and Disk Cleanup will analyze the selected drive to determine the amount of space that can be freed.

    Note: Be patient. Analyzing the drive can be a lengthy process depending on drive size and contents.

    Once the drive analysis is complete a list of file categories will be presented for your selection.

    Instead of automatically proceeding with cleanup once the drive analysis is complete, Disk Cleanup allows you to review the categories of files that can be deleted. Click on any of the categories to display more information relative to that category in the Description section of the window. If you re unsure if you want to delete the files in a category from the description, use the [View Files ] button. A complete list of files scheduled for deletion will be displayed in Windows Explorer. Use drag and drop to move any files you want to save to a safe location and leave the category selected. If all the files are to be saved, close the window and then remove the checkmark from the file category so it will not be included in the disk cleanup. After all the categories have been reviewed, click [OK ] to begin the disk cleanup process.

    File Categories in Disk Cleanup Utility

    There are a number of different types of file categories that Disk Cleanup targets when it performs the initial disk analysis. Depending on the individual system, you may or may not have all the categories listed below. An excellent example of this would be Backup Files from a Previous Operating System. If a clean install of XP was performed then this category will not exist. It pays to click on each of the categories and note that the [View Files] button can change depending on the category selected.

    Downloaded Program Files

    These are ActiveX controls and Java applets downloaded from Web sites that are temporarily stored in the Downloaded Program Files folder. It s not program files or zip files that you have downloaded from other locations.

    Temporary Internet Files

    This refers to Internet Explorer s cache of Web pages that are stored on the hard drive for quicker viewing. None of your personal web settings are affected by selecting this category, nor does it delete any cookie files.

    The main thing to be aware of in this category is that it only refers to the Recycle Bin for the selected hard drive or partition. This is important since XP uses an individual Recycle Bin for each drive and partition, not just one as is the case in some Windows versions.

    Temporary Remote Desktop Files

    These files are the result of using the Remote Desktop utility. If you repeatedly use Remote Desktop with the same computer or group of computers, leaving these files intact will maintain the speed of future connections. Deleting them will necessitate downloading the remote systems icons and wallpaper the next time a connection is established.

    Setup Log Files

    These are really pretty useless unless you have a specific reason to go back and see what occurred during XP setup.

    Backup Files For Previous Operating System

    I mentioned this category earlier as one you may not have, but if you did upgrade from a previous Windows version and selected the option to be able to uninstall XP, it may well exist. It takes some major hard drive space to copy all the files necessary to back up a previous system s core files, drivers, etc. This entry can range anywhere from a few hundred megabytes up to a gigabyte, so unless you are still considering dumping XP this is a good category to select.

    Users with slower dialup connections and those using laptops frequently make websites they use often available offline. Depending on how many levels deep you save the sites, they can eat up gigabytes of hard drive space very quickly. Worse than taking up space, the sites often contain outdated information. A good candidate for deletion.

    Compress Old Files

    Unlike the other categories, Compress Old Files doesn t delete any files from the drive. It compresses files that Windows hasn t accessed for a specified period of time. The files are still available, but there will be a slight increase in access times because the files will be decompressed the next time they are accessed. Note that when Compress Old Files is highlighted an Options button appears. Clicking it will allow you to set the number of days to wait before an unaccessed file is compressed.

    There may be other categories that appear in your Disk Cleanup window, but in all cases, highlighting the item will display an explanation of the category in the Description area.

    More Options Tab

    In addition to the categories that appear on the Disk Cleanup tab, the More Options tab offers additional opportunities for freeing up hard drive real estate. There is nothing on this tab that isn t available elsewhere within XP in stand alone fashion, but having them grouped here does serve as a convenient reminder.

    In Windows XP there are three choices available on the More Options tab: Windows Components, Installed Programs, and System Restore.

    The Cleanup button in the Windows Components section launches the Windows Components Wizard. Select a general category of components and drill down using the Details button to locate the desired Windows component.

    The Cleanup button in the Installed Programs section opens the Add/Remove Programs dialog box. Any installed program can be removed by selecting the individual program and clicking the Change/Remove button. You cannot batch programs together to be removed. Each removal operation must be treated as a separate entity.

    Clicking the Cleanup button in the System Restore section opens a dialog box where it asks if you are sure you want to delete all but the most recent restore point. The difference between using this option and going directly to System Restore is that you have no option to selectively delete restore points with this method. It s all but most recent or nothing when accessed via Disk Cleanup. Click Yes or No depending on your choice.

    Post Disk Cleanup Procedures

    Using Disk Cleanup will almost certainly rid your system of a substantial amount of unneeded files. You could stop here and not suffer any ill consequences, but there are a lot of gaps and empty spaces on the hard drive where the files were removed. This would be an excellent time to run Disk Defragmenter to organize the hard drive into contiguous sections. The hard drive heads will spend less time seeking all the pieces of a file and you ll see another performance boost.

    Additional Disk Cleanup links

    For many months now I ve been posting a reminder about Patch Tuesday or Second Tuesday as it has come to be known when Microsoft releases the latest round of updates for Windows XP and other products.

    As always, I strongly suggest you read about any update prior to installation, especially updates carrying a less than Critical rating, and have a current system and data backup available in case it s necessary to restore the system to a pre-patch condition.

    The Elder Geek sites contain many articles and suggestions for modifying the Windows operating system. I’ve tried these tweaks and tips on many systems. Sometimes they work, sometimes not. The point is, ensure you have a current, tested backup of all system and data files and understand how to restore the system in case something goes very wrong. You can still yell at me, but I assume no responsibility for your actions and use of the information and disclaim any legal responsibility for any consequences of such actions.

    Copyright © 2002/2003/2004/2005/2006/2007/2008/2009/2010/2011/2012/2013, Jim Foley/The Elder Geek, All Rights Reserved Worldwide
    Reproduction, in any form, of information on this site is prohibited without express written permission.
    Microsoft is in no way affiliated with, nor offers endorsement of, this site.



    Student Car Loan Tips #online #personal #loans


    #student car loans
    #

    Student Car Loan Tips

    Save Up a Down Payment: Saving up a pile of cash when you are young might be one of the most difficult things you have ever done. It takes discipline. Watching all your friends with the latest tech gear and fashion can easily side track your financial goals. Financial decisions you make early in life can affect you for a very long time. If it is a car you desperately need, sacrifices need to be made.

    Shoot for a down payment of 5 to 10 percent of the vehicles value. Putting money down on a car loan will not only reduce your monthly payment. it could also lower your interest rate.

    Get a Steady Income: Getting a steady income is crucial to getting a car loan on your own. A steady income is the downfall of many college students wanting a car loan. It is tough to get a flexible good paying job and juggling college at the same time. If a steady income isn’t happening for you anytime soon, check the option below.

    Get a Co-Signer : The easiest way to get approved for a car loan if you are a student is to get a co-signer.

    Continue Reading Below

    A co-signer is someone hopefully with a full time job and good credit that is willing to vouch for your ability to pay the loan on time. A co-signer is taking on responsibility for the car loan if you fall short. Not only are you more likely to get approved for a student car loan with a co-signer, but often you will get a better interest rate.

    Shop your Credit Union, Bank, Dealership, or even Online: A lot of different places offer car loans. It is important to shop around for the best deal. Check with the credit union or bank you currently do business with. Credit unions often offer up to 1% lower interest rates on car loans than banks. Online lenders usually work on a massive scale and can also find you a low rate. One source does not stand out above the rest for everybody. You need to check around to see what car loan source is the best for your situation.

    Consider Refinancing after a Year or Two: Definitely consider refinancing your car loan in one to two years. If you have been making your payments on time, you have proven your ability to make your payments. Plus, your credit score is probably either becoming established or improving. Ask your current lender if it is possible to lower your current rate or start shopping for another car loan. It is possible to cut your interest rate in half after a year or two of on time monthly payments.

    Think about other Car Expenses: As a student on a tight budget, it is imperative to think about all the expenses tied with a car purchase. Full coverage car insurance is usually required on a vehicle with a loan. Be sure to get your car insurance quoted before signing for your car loan. Depending on your age, driving history, and prior insurance, the cost of insurance could be really high. Also consider the cost of fuel and vehicle maintenance. It won’t be any fun having your own set of wheels if you can’t afford to drive it anywhere.

    Sometimes a student car loan is your only option. You don’t want to drive around a beater that will leave you stranded on the side of the road on a regular basis. Do not assume you do not qualify for a car loan. Students can usually get a better deal than borrowers with bad credit. Students work hard and it is usually a consideration by the potential lender when it comes to purchasing a vehicle.



    12 Tips for Getting Your Bank Loan Approved. #consolidation #loans


    #how to get a business loan
    #

    12 Tips for Getting Your Bank Loan Approved

    Finding the money needed to start a new business is almost always one of the most difficult obstacles new owners face. The most likely (and easiest) sources of capital are your families, friends and own savings. However, you should not overlook institutional sources as well.

    Without a previous track record in business, securing a bank loan may be difficult. Banks cite risk factors and increasing costs of servicing small accounts as the primary reasons for minimizing their exposure to small businesses. Still, it can be done. Here are the steps that you should take to improve your chances of getting that much-needed bank loan:

    1. Keep in mind that to stay in business banks need to make loans.

    Do not be afraid to ask for one. That is what the loan officer wants you to do. To increase your chances of getting a loan, look for a bank that is familiar with your industry and who has done business with companies like yours. Seek out banks that are active in small business financing (Read the article How to Get an SBA Loan ). Some banks lend on a conventional basis (lending money without government support), while some banks participate in government programs (in the form of government participation involving direct government funds or loan guarantees).

    Know the various loan products offered by banks, such as:

    • Term Loans = Banks provide $10,000 to $500,000 loan amounts for the purchase of inventory, equipment and large ticket items. These loans can be unsecured (often with variable rates) or secured (often with fixed rates).
    • Commercial real estate mortgage = Secured by real estate, these loans are used to refinance, purchase or improve commercial or investment properties. Loan amounts can be anywhere from $25,000 to more than $500,000
    • SBA Financing = for those who may not qualify for a standard loan, SBA loans are guaranteed by the federal government
    • Business lines of credit = some banks offer business credits for overdraft protection, which is a  a line of credit that protects your business checking account, up to the approved limit. Other banks give you business credit cards that you can use for your business.
    • Secured Loans = banks offer credit for a number of business purposes, such as improving cash flow, refinancing debt, or financing account receivables. Most secured loans are quick to get, and some banks provide fix rate financing for secured loans. However, this type of loan is given mostly to established businesses with financial documentation for at least 2 years, rather than a startup with no history.
    • Vehicle loans = if you are planning on buying a vehicle for your business, banks offer vehicle loans that allow you to borrow up to 100% of the purchase price of a new or used auto, van or truck.

    Talk to your local banker and let him or her explain to you the various loan products they have for the small business owner. Discuss your situation to assess what products may work best for you, and what products you may be likely to get approved. However, be aware that banks often require proof that you can repay the loan, and that includes collateral requirements, assets deposited in the bank, among other things.

    2. Be prepared.

    As an entrepreneur, make sure that you are thoroughly prepared when you go to your banker s office to request a loan. You need to show your bankers that a loan to you is a low-risk proposition. Have on hand a completed loan application, copies of cash flow and financial statement projections covering at least three years, and your cover letter.

    3. Learn to anticipate every question that he or she has.

    Remember, the combination of information and preparation is the most powerful negotiating tool in the world. A confident and thoroughly prepared borrower is four times more likely to have his or her loan approved than a borrower who does not know the answer to some of the basic questions a banker asks. To show the extent of your preparedness, your business plan should also include answers to your banker s questions. These questions normally are:

    • How much money do you need? Be as exact as possible; although adding a little extra for contingencies will not hurt.
    • How long do you need it for? Be prepared to go into detail about what the money will do for you and why your business is a good risk.
    • What are you going to do for it? Businesses use loans for three things: to buy new assets, pay off old debts, or pay for operating expenses.
    • When and how you will repay for it? Your cash flow projections should provide a repayment time frame. Convince the banker of the long-term profitability of your business and your ability to repay the loan by using your financial projections and business plan.
    • What will you do if you do not get the loan?

    4. Do not take an apologetic and negative attitude.

    Keep your negativity in check. Present yourself as an entrepreneur who can and will repay the loan. Boost your image by providing your loan officer with any promotional materials about your business, such as brochures, ads, articles, press releases, etc.

    5. Dress professionally.

    Dress in a professional manner for your meeting with your banker. You want to project the image of an entrepreneur who is trustworthy, and most of all, who has the ability to repay the loan. This is a business transaction, so treat it as such.

    Broad, unsubstantiated statements should be avoided. The lender can easily check many of the facts on your application. If you cannot support statements with solid data, then don t make them. Do your homework and spend time doing research to be able to support everything you say, including every single number in your projections. It is best to keep projections, assets lists and collateral statements on the conservative side.

    Be sure all your documents are neat, legible and organized in a cohesive and attractive manner. Type all your loan documents. Handwritten documents look unprofessional. Don t forget to include a cover letter.

    8. Do not push the loan officer for a decision.

    Doing so might result in a rejection. Your banker cannot make a decision until all your documentation is complete. To ensure a speedy decision, make sure that your application is complete.

    9. Be confident.

    An attitude of confidence enhances your chance of getting the loan. Show that you can make a success out of the money that the bank will lend to you. Visualize in your mind the positive results of your bank application.

    10. Keep trying one lender after another until you get your loan. To improve your position as you change bankers and banks, the best way is to ask for a referral from a successful entrepreneur. Before you decide to approach a bank directly, find an associate, friend or acquaintance that is in good standing with the bank to give you a good referral. Bankers tend to deal more favorably those who were referred to them by their best customers.

    11. Be ready to discuss risk in your application.

    You must remember one thing: there is no business without risk. If you do not discuss risk, the bankers will assume that you haven t thought about risk. Let s face it try as we might, we cannot plan for everything, for every contingency, for every turn of events. Bankers would want to know if you have planned for the major risks and how you intend to manage it.

    Then, there is also the risk of too much success. The demand for your products or service may exceed well beyond your expectations, and they would want to know how you intend to handle success.

    12. Remember that the first loan is usually the hardest to get.

    Bankers prefer to lend money to borrowers who have borrowed at least once and have paid back at least one loan on time. They are not venture capitalists that make high-risk loans regardless of the profit prospects of your business. Bankers prefer to lend to low-risk, low profit ventures than to high risk businesses or those with no record of accomplishment.

    Recommended Books on Getting a Bank Loan and Financing a Business:

    • Make Banks Compete To Lend You Money
    • Loan Sharp: Get the business finance you deserve
    • The SBA Loan Book: The Complete Guide to Getting Financial Help Through the Small Business Administration
    • Financing Your Small Business: From SBA Loans and Credit Cards to Common Stock and Partnership Interests (Quick Start Your Business)
    • How to Get the Financing for Your New Small Business: Innovative Solutions from the Experts Who Do It Every Day


    How to get help with your tax problems #jessica #investigates,money #saving #tips,personal #finance,finance


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    How to get help with your tax problems

    I have a problem with the Inland Revenue, which states briefly that I owe about £1,100 tax that I did not pay for two years in 2009 and 2010.

    If the figures are correct, I am in no position to dispute them and will pay whatever it is my duty to do so.

    All my working life I paid my taxes under the PAYE system. Then on retirement I took a part-time job for 11½ years and this small salary was also paid each month under PAYE.

    Related Articles

    Each year I would receive a P60 from my employers and pension providers, and details of my state pensions with copies were always sent to HMRC so it could calculate my tax coding.

    When I received RF’s letter, I actually felt that he was expecting answers to his problem too quickly.

    For instance, after the intervention of his MP, he reported that he had received a signed letter from HMRC and wrote back two weeks before his letter to me, which he sent because he had expected a reply by then.

    Given the timescales and the fact that he has already involved another party I will not get deeply involved in this. However, for what it is worth, I am happy to provide a few suggestions.

    Explaining the origin of the problems there have been over tax coding, HMRC says it used to have a number of computer systems to work out tax codes.

    In the Seventies, when memory on computers was more limited, it had 12 different databases. This was OK when people had one job for life but became less efficient as different working and pension patterns developed. More job mobility from the Eighties put the HMRC system under strain.

    A new all-in-one computer system came on stream early last year and there have, HMRC admits, been a few issues. In future, however, it sees this as being far more reliable than what there had been in the past. Having all the information at its fingertips should prevent problems arising from it not identifying an individual’s different sources of income and putting them together.

    Part of the element of surprise in all this is that people supposed HMRC already had easy access to this information and that it was all factored into its tax demands. People on PAYE particularly expect that, once tax has been deducted, they have paid their full due.

    However, the new system identified problems such as personal allowances having been set against two sources of income.

    A charity worker reported to me that some scenarios this has thrown up can be quite distressing. This is especially so where people have recently stopped working and find themselves suddenly confronted with an unexpected demand. On the restricted income they now have, they may barely if at all be able pay.

    HMRC assures me that it will listen sympathetically to people finding themselves in such a position and that payment by instalments may be negotiated. Even so, there remains the problem for some that these may still not be affordable.

    Also HMRC tells me that, where it has been provided with information and failed to act on it within the usual time window 12 months from the end of the tax year in which the information is received it may write off the liability. This could apply, for instance, where it had been told about a pension but had failed to factor it into its calculations. A strong proviso is that the taxpayer has to have had a reasonable expectation that their affairs are in order.

    HMRC says it is prioritising refunds of any overpayments made by people on lower incomes.

    After MK wrote to me a couple of months before this was resolved, he took the matter further under his own steam through the HMRC complaints procedure. He heard in May that, under the “extra-statutory” powers that allow a relaxation of the rules for the reduction of tax, HMRC is not, after all, asking for the money back. It is also refunding the amount already taken. HMRC accepts that it had received the information to work out MK’s new tax code but had failed to act on it. Others may take heart from this outcome and keep persevering.

    Those in similar situations might first talk to their tax office and, failing that, then write to it. Should they still be unhappy. they should go through HMRC’s internal complaints procedure. Find information about this via www.hmrc.gov.uk then go to the quick links on the left-hand side and look for Complaints Appeals.

    If the desired result is still not achieved, providing of course the case has some substance, there is an independent adjudicator who can be found at The Adjudicator’s Office, 8th Floor, Euston Tower, 286 Euston Road, London NW1 3US (0300 057 1111 or 020 7667 1832; www.adjudicatorsoffice.gov.uk ).

    Don’t overlook the help that is available from the Citizens Advice Bureau or, if there is one locally, an HMRC inquiry centre.

    Also for pensioners who really are struggling and who have household incomes of less than £17,000 a year, there is TaxHelp for Older People (TOP). Call 0845 601 3321 or 01308 488066 or write to Pineapple Business Park, Salway Ash, Bridport, Dorset DT6 5DB. The website www.taxvol.org.uk is also helpful.

    For anyone, regardless of age, who is at the end of their tether after doing what they can to help themselves and who cannot afford to pay a tax adviser or accountant, there is TaxAid, a small but busy Lottery-funded charity. As a guideline, the maximum income of anyone applying for its help would be around £300 a week for a single person. Its helpline is on 0345 120 3779 for calls between 10am and midday on weekdays and its website, www.taxaid.org.uk. again can be helpful not only to those fitting into the charity’s income limits.

    Consider carefully before taking up the time of either of these charities as they are, unsurprisingly, very much in demand.

    Tips on this subject are also available on www.ageuk.org.uk/money-matters/income-and-tax. Its helpline is on 0800 169 6565. I am told the charity will not ask callers what age they are so it could be a case of being as old as you feel. More practically, grandchildren may, for example, be calling in for their grandparents.

    As with any entrenched tax problem, depending on its magnitude, it might be worth employing an accountant. Ask about fees first, though.

    Please address letters to: Jessica, Your Money, The Daily Telegraph, 111 Buckingham Palace Road, London SW1W 0DT.

    • Because of the volume of mail received, it is not possible to respond to every letter and correspondence cannot be entered into. Please do not send original documents or stamped and addressed envelopes. Responsibility, legal or otherwise, for answers given cannot be accepted. Cases currently with an ombudsman, going through a court of law or sent to other columns will not be considered. In addition I cannot take up issues when the writer is a third party, other than in exceptional circumstances. I cannot respond to emails. A full postal address, a signature and daytime telephone number are needed.


    Fit mba #mba #admissions, #gmat, #gmat #prep, #mba #research, #grad #school,mba #essay, #mba #writing #techniques, #writing #tips, #nyc,mba #essays,insead #admissions, #insead #mba #admission, #admission #consultant #nyc,insead,chicago #mba #admission, #booth #mba #admission, #chicago #booth #admission,chicago #booth,nyu #stern #admission, #stern #mba #admission, #nyu #mba #admission,nyu #stern


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    MBA Admissions Consulting

    I needed a professional independent view from a native English speaker. She not only worked with me to make the grammar and language in the essays perfect, she also identified several areas concerning my cultural and personal background that I should put more emphasis on, in order to make my. Read More

    Debra coached me to synthesize and organize my thoughts so they resonated on paper, and asked just the right questions to help highlight precisely the strengths and attributes that were most pertinent to each school. A truly outstanding professional who was indispensable to my application. Read More

  • What I truly loved about working with Debra is that she not only pays close attention to the details, but also strives to get to know you and your aspirations, bringing out the originality that separates you from the rest of the pack. I also found Debra to be very insightful about the schools and. Read More



  • Useful Tips on Home Equity Line of Credit #i #need #a #loan #now


    #equity loan calculator
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    Home Equity Loans

    Home Equity Line of Credit

    Due to the hard economic times, most people are left with no other alternative but to borrow money to refinance their activities. In such a situation most people use their assets to borrow money.

    What is a Home Equity Loan all about?

    Home equity loan allows homeowners to borrow money against the value of their house. It gives home owners a quick access to the much needed money when they cannot make ends meet. If a person’s credit is good then they can get over 85% of the value of their house. Shopping for a home equity loan should be done with care because there are many lenders who offer lots of choices. It is important to compare the different offers. It is also vital to look on the index which is used to determine the interest rates.

    Should I Refinance?

    Most people wonder if they should refinance their mortgages. It is alright to be cautious about refinancing but it is worth to consider it if it comes with not extra charges. A refinance will normally reduce a person’s monthly repayments; it will also save the borrower money. It is also an ideal way to free up some money in the individuals budget.

    Consider the Current Mortgage Rates

    Fixed rate mortgages are ideal because it means that the interest rates of the loan will not change for the duration of the loan. A person can either choose 10 year fixed mortgage rates, 20 year fixed mortgage rate or even 30 year fixed mortgage rates. It is advisable to go for a fixed rate loan when the interest rates are low. These fixed mortgages are for those people who do not like their interest rates to keep changing from time to time. They are also ideal for people who wish to stay in their houses for more than 5 years.

    Home Equity Loan Calculator

    One can get the best lender with the home equity loan calculator. Always search for the best offer when you are paying for a loan. It is possible to do this online without having to move from office to office. This can be done using the home equity loan calculator. It simplifies the search of the best lender who has the most excellent offer.

    2nd Mortgage

    One of the best financial moves that a person would make is the second mortgages rates. A person can use mortgage rates to generate money for profitable investments if only they learn how it works. This is a good method of simplifying a person’s debts which will also beef up their credit score.

    Is No Closing Cost Refinance Worth?

    It is worth noting that no cost refinancing can sometimes be costly. Mortgage refinance no closing cost will cost a person a lot since not all costs are visible. No cost refinancing will require the person to pay in interest terms than they would if the paid with a full cost loan.

    Home Equity Line of Credit

    In the home equity line of credit, the person is allowed to use their house as collateral when taking a loan. In fact a home is one of the largest assets of most people. This type of loan can be used for home improvements and renovations. It can also be used to pay for education and medical bills. It is gaining popularity due to the increase in value of properties.

    HELOC rates

    With the current economic crisis people have turned to all ways and means of saving money. One of these methods is the home equity line of credit rates. A person who is taking a loan to purchase a commodity should remember that they should purchase only those commodities that they can afford.

    Home Equity line of credit calculator

    The home equity line of credit calculator will assist the borrower when determining which lender will give the best conditions for example the loan amount, the closing cost of the loan, the interest rate and several other factors.

    Home equity vs line of credit

    The difference between home equity vs line of credit is that with the home equity you already know the value of your home while with the equity line of credit you do not exactly know how much you will need and when you will need it.

    Debt consolidation

    Debt consolidation becomes necessary when a person has so many bills that they cannot pay. Debt consolidation is sort of a catch-all phrase for many different approaches toward managing financial burdens which are increasing every other day.

    Student loans

    Student loans are the kinds of loans that are given to students to help them cater for their tuition fees. Often such loans are given by the government and they have lower interest rates.

    If you are looking to get a home equity loan because you need to consolidate a debt or you want to help your child go through college, this is possible with just about any bank or lender in the country. Of course, you need to own a home to begin with and you will need to accept that you put it up as collateral for the loan that you are planning to make. Home equity lines are easy to get but you have to be responsible enough to make the payments back on time.

    Here are some home equity loan tips that you can look into when you are looking into home equity mortgages. Know that there are so many lenders out there that are trying to make you get a home equity loan. They are willing to get into the home equity lending business because they are able to make a little money off of you. And if you can’t make the payments, this is better for the lenders because they can take your home away from you which is the last thing that you want to happen. It is therefore important that you are able to choose the best deal with the best bank or home equity lender in your neighborhood. Take the time to shop around and look at all the options that you have when it comes to home equity lines.

    You can get loans in either of two forms. The first is the home equity loan that can be given to you in a lump sum payment. This means that whatever you loan amount you apply for, you will get it one time in a lump sum amount and you will just have to take care of the monthly payments later on. This is an advantage especially when you are trying to consolidate debts or you just need a large amount of money to make home improvements or a large purchase. The other kind of loan is the home equity line of credit. If you have experience with a credit card, it is exactly like this. The advantage to this is that you are able to free up more credit by paying back the loan so you can use it again and again.

    Make sure that you consult with experts like family and friends who have already been able to take advantage of home equity lending. You can ask about home equity lines and home equity mortgages so that you are not left out when you are in a lenders office and they are throwing all sorts of deals and saying all kinds of home equity loans terms that you are now aware of. See offers for a home equity line of credit. It is wise to arm yourself with a little knowledge of the home equity loan rates so that you can compare home equity loans and a home equity line of credit before you actually settle on one to apply for. This is one approach when you are shopping around for bank home equity loans. Not only will you benefit from it but the lenders will too because they will be confident that you can make the payments.



    Transfer Outlook Contacts to an iPhone Without Syncing or Using iTunes #os #x #daily, #osxdaily, #apple, #mac, #iphone, #ipad, #mac #os #x, #ios, #mac, #tips, #tricks, #tutorials, #news


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    Transfer Outlook Contacts to an iPhone Without Syncing or Using iTunes

    Have you ever needed to move an entire Outlook contact list to an iPhone without using iTunes to sync the device to a computer, and without deleting the contacts already stored on the iPhone? No problem, here s a simple two stage process on how to migrate all contacts from a Windows PC with just about any version of Outlook. This guide will also work with an iPad or iPod touch.

    Exporting the Outlook Contacts as iOS Ready vCards

    From Outlook on the Windows PC:

    1. Select all contacts in Outlook and forward them all to yourself as vcards
    2. Save all the attachments as vCards in a temporary easy to find folder, such as c:\temp
    3. Open a command prompt (Start menu, Run, type command.com ) and type the following commands:
      cd c:\temp
      copy /a *.vcf c:\allcards.vcf

    The last commands are essential because it joins all of the Outlook contacts together into a single vCard file that can then be easily imported into iOS and the iPhone.

    Importing the Outlook Contact List Into the iPhone

    Your next step is to use the traditional email method of transferring contacts to the iPhone without the assistance of iTunes. You should probably back up your iOS device before proceeding just in case the Address Book gets messed up:

    1. From Outlook, create a new email and attach the newly created allcards.vcf file to it, send this to whatever email address is setup on the iPhone
    2. From the iPhone, open the email address and scroll down to the attachments list, tap on the allcards.vcf file and then choose Add All ## Contacts

    Verify the import worked by returning to the iPhone home screen and tapping on the Phone icon and then Contacts , where the Outlook contacts should now appear within the iOS Address Book alongside any other contacts that previously existed.

    This is a great tip for people who are switching from Windows, changing jobs or computers, or if you just want to pull a long existing contacts list to an iOS device without having to sync and associate the device to that computer.

    Thanks to EK for the tip!

    Useful post, Thank you!

    Some might face an issue with selecting all contacts and seding them due to Size or Max Attached Object restrictions (specially if using corporate email). The solution would be to do them in batches, by highlighting the contacts in phases, Right clicking, and selecting Send Full Contact – In Internet Format (VCard). It will create an email and attach the contacts in .vcf format.

    You can then just select all the attachments and copy paste them into a folder without having to send the email.

    I put the files in the c:\temp folder. When I run the command, I get the message:

    contact1.vcf
    Access is Denied
    0 files(s) copied.

    Is there something folder-access-wise I need to modify?

    This worked really well! Super way of getting all your contacts accross. Only thing is that it failed to produce the email when forwarding as vcard with over 1000 contacts. (like mentioned already before in this tread) I tried many free apps and batchfiles and what not. This is by far the best and simplest way of getting your contacts accross.

    Super article. Much appreciated!

    I put the files in the c:\temp folder. When I run the command, I get the message:

    contact1.vcf
    Access is Denied
    0 files(s) copied.

    Is there something folder-access-wise I need to modify?

    I had this issue, the simple thing to do is run cmd prompt as administrator.

    Start Menu Type CMD in the find bar, when i shows up on the program list RIGHT CLICK ON CMD, then choose run as admin. This will get rid of the access denied issue.

    SUMMARY
    a slight variation to this, see the BEST WAY below
    use GMail account as middle point to import then re-export and corrects excessive formatting,
    re-exporting to import to iPAD via email

    BEST WAY
    modified method of above
    sync outlook contacts with gmail,
    save your contacts to VCF from outlook as described above
    log into your google account and import to google contacts
    merge your contacts for duplicates, etc
    export from Google contacts, select the last option for exporting vCF format (for importing into Apple Address Book or another application), and save to file
    email yourself and attach the generic VCF file
    double click on the google contacts exported VCF file, wait up to 30 seconds and showed all 682 contacts

    BENEFITS
    excessive Microsoft Outlook formatting is interfering with the ascii character arrangement with parsing in non -Microsoft applications, in my case it affected 2 different files with different data
    Google mail to the rescue import into Google Contacts then re-export as generic VCF, it corrects the formatting issues from Microsoft

    it does not fully work as the orig article is written, I would agree that the concept is the best so far but there are bugs with it because of Microsoft excessive formatting
    attempted with 682 contacts and gives options to import 32 so not importing all contacts in the file, checked in notpad++ and all contacts are present, showing issue with formatting causing issues
    broke it down into sections, contacts a-g, h-p, r-z and re-attempted, issue continued options were to import 32 on the a-g, 18 with the h-p and 97 on r-z.
    with modifications this is the best option

    Mohan Lingappa says:

    Awesome steps brother



    RV Mods, RV Modifications, RV Upgrades, RV Tips, RV eBooks #rv #parts, #rv #mods, #rv #modifications, #rv #tips, #rv #upgrades, #rv #how-to, #rv #forums, #rv #resources, #rv #tech, #rv #diy, #rv #videos, #rv #ebooks


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    Home

    Welcome to ModMyRV.com, the only website that s just about making modifications to your RV. It s an online community where fellow RVers and enthusiasts can share the mods they have made to their RVs, or ask questions about mods they would like to do. Have a look around. Surely there is a mod here that you need to do!

    Featured Mod

    Mod #58: PEX Water Heater Bypass

    A water heater bypass is used to, well, bypass your water heater. Why? There are several reasons to mod your plumbing system with a bypass but the most popular is for winterizing. Your RV water heater typically holds 6-10 gallons of water. In order to prevent having to fill

    Recent Comments

    • July 9, 2017 on Mod #28: Entrance Assist Handle by Jack Price – Have one to install on an 05 TrailVision that is
    • July 4, 2017 on Mod #9: Generator Install by https://www.youtube.com/watch?v=qZFCh27h4Tg – I would really like to purchase the generator in this
    • July 2, 2017 on Mod #72: Battery Watering System by glistok – The tubing is subject to mold growth and makes the
    • July 1, 2017 on Mod #52: Jack Knife Sofa Replacement by MJG – We replaced our RV jackknife sofa with a futon we
    • June 27, 2017 on Mod #49: Dinette Replacement by Gene Reif – Our motorhome has a raised step in the slide where
    • June 23, 2017 on Mod #82: Air Conditioner Hard Start Capacitor by Tim – I installed the SPP6 on my 2006 Dometic 13.5k btu
    • June 20, 2017 on Mod #41: Refrigerator Cooling Fan by fmouse – Regarding current draw and thermostatic switches, this shouldn t be a
    • June 20, 2017 on Mod #41: Refrigerator Cooling Fan by fmouse – I just bought and installed a Valterra A10-2618VP condenser fan

    Parts for Popular Mods

    RV EBooks

    by Mark Corgan (Updated: June 2011)

    Do you find yourself daydreaming about the next modification you want to make to your RV? Do you pour over the new RV catalogs looking for that little something you can t do without? Do you endlessly search the ModMyRV forums for those topics about how to mod your RV? Does your RV call out your name when your sleeping, begging for you to mod me ? If so, you have what s called MOD FEVER. This ebook is the cure.

    ModMyRV News

    After many hours of development, we have launched a new website: PowerMyRV.com. We decided to start this website because there are so many questions and misinformation around the RV electrical needs of the luxury RVer to the boondocker, and every RVer in-between. We felt that in order to make an informed decision, you need the right information.

    We aim to provide that information in the form of products, reviews and a really cool feature: guest blogging. We invite any and all RVer s to write articles for PowerMyRV that provide your RV power experiences, how-to s, installs and general information. Please visit the Guest Blogger page for more information Read more



    Orthodontics – Orthodontic Treatments, Adults #orthodontic #basics, #orthodontics #appliance, #orthodontics #care, #orthodontics #tips, #orthodontic #maintenance, #braces, #invisible #braces, #retainers


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    Adult Orthodontics

    Overview

    Orthodontics is a specialty discipline of dentistry that focuses on alignment of the teeth and jaws to improve a person’s smile and oral health. Orthodontists will diagnose, treat and prevent irregularities of the teeth with the use of braces, which are fixed dental appliances, and removable dental appliances, when the braces are removed. These devices can be used to straighten teeth, correct an irregular bite, close unsightly gaps and bring teeth and lips into proper alignment. Crooked teeth that do not fit together correctly are harder to keep clean and are at risk of being lost early because of tooth decay or periodontal disease.

    Benefits

    The benefits of orthodontics include a healthier mouth, a more pleasing appearance, and teeth that are more likely to last a lifetime.

    Care

    Good oral hygiene is especially important when you have braces or other orthodontic appliances. Brushing twice a day with fluoride toothpaste for two minutes, flossing daily, and scheduling ongoing dental visits are all important to help keep the gums and teeth healthy.

    Patients with braces should maintain a balanced diet and limit sugary snacks between meals. Your dentist may recommend avoiding certain foods that could interfere with braces or accidentally bend the wires, such as nuts, popcorn, hard candy, ice and sticky foods, such as chewing gum, caramel or other chewy candy.

    Procedure

    There are a variety of options, both fixed and removable, which help move teeth, retain muscles and affect the growth of the jaws. They work by placing gentle pressure on the teeth as they move in the jaw bone.

    Traditional Braces
    The most common fixed treatment option, braces consist of brackets, elastic bands and an arch wire. Brackets are bonded to the front of the tooth and used as anchors for the braces. Arch wires are placed through the brackets and small elastic bands secure the arch wire in the bracket. Tightening the arch wire puts tension on the teeth, gradually moving them into proper position. Orthodontists adjust braces every 4-6 weeks to bring about the desired results, which may be achieved in one to three years.

    Today’s braces are smaller, lighter and show far less metal than in the past. They come in bright colors for kids, and clear styles preferred by many adults.

    Once braces are removed, a retainer is worn on both the upper and lower jaws (or where the braces were placed originally) for at least one year to hold the teeth into place in their new position.

    Although a little discomfort is expected during orthodontic treatment, today’s braces are more comfortable than ever before. Newer orthodontic techniques and materials have been developed to move teeth in a shorter period of time.

    Here’s an overview of some of the other orthodontic treatment options:

    Damon Braces
    Damon braces are self-ligating appliances, meaning that instead of using elastic bands to attach the arch wire to the bracket, the brackets use a slide mechanism. This eliminates the need for elastic bands, which cause friction and can slow down treatment. With damon braces teeth can move into place more freely so treatment time is decreased. Damon braces are more aesthetically pleasing because the brackets are less noticeable than traditional metal brackets. The downside is that damon braces are usually more expensive than traditional braces. Consult with your orthodontist to find out if damon braces are a good option for you.

    Invisalign
    Invisalign is a set of custom-made clear plastic aligners, which are designed to shift your teeth into the proper position. About twice a month, the patient switches to a new set of aligner trays, repeating this until their teeth are in the correct position. Invisalign is intended to deliver the same benefits as traditional braces but the aligner trays are less noticeable, offering an aesthetic advantage. The aligners are removed for eating, brushing and flossing, and may not take as long to achieve good results as braces during orthodontic treatment.

    Lingual Braces
    Lingual braces, also called invisible braces, are placed on the interior side of the teeth (by the tongue and palate) and are a great option for people concerned about their appearance. Similar to traditional braces, teeth are straightened using continuous gentle pressure to help them slowly shift into the proper position. Lingual braces involve more customization and may be more expensive than traditional braces.

    Although treatment plans are customized, most people wear braces from one to three years, depending on their individual needs and the position of their teeth and occlusion.



    Home Improvement Loan Tips: Compare Home Improvement Loan Rates #quick #cash #loans #no #credit #check


    #home loan comparison
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    Tips for Home Improvement Loans

    Take advantage of home improvement loan rates to rejuvenate your home

    Whether you want to spruce up your home, do a total renovation or just fix up that outdated bathroom, you’re probably bracing yourself for steep home improvement costs. If you’ve built equity in your home, however, you can access that equity for those new countertops or landscaping with a home improvement loan. These loans feature low interest rates and repayment periods that can bring your dream renovations within reach. Put your low home improvement loan rate to work and liven up your living space with these great remodeling tips.

    Home improvement loans are the perfect option to finance interior remodeling

    Popular interior home improvements include remodeling kitchens, bathrooms and master bedroom suites. These renovations tend to pay off when you sell your home, too. In fact, major kitchen and bathroom remodels have an average return on investment of 62 to 72 percent, depending on the scope of the renovation.

    Some trusted improvements to enhance your kitchen and attract eventual homebuyers include installing new cabinets, counters, flooring and appliances. If possible, you may want to also consider bumping out your kitchen to make it bigger, or putting in a breakfast bar.

    After the kitchen, you may want to think about remodeling your existing bathroom. If your house is older, you may be sporting pink, blue or avocado tile or outdated fixtures. Even if your home is newer, styles can change. Invest in neutral-colored tile and give the room some personality with a fresh coat of paint, wall hangings and a new shower curtain. Update lighting fixtures and install a low-flow toilet to save on the water bill. You may even want to add a new vanity and matching mirror.

    Since these projects may involve some demolition and plumbing, you may want to consider a contractor. It is important to obtain several quotes that include the following: project start and completion dates, a guarantee to clean up debris, a warranty on the work, and a payment plan. Then, compare quotes to make sure you get a competitive price without sacrificing quality. Once you’ve found a contractor you want to work with, check out Citizens Bank’s competitive home improvement loan rates to make these major projects a reality.

    Use a home improvement loan to update your landscaping

    If you’re looking to sell your home in the near future, you may want to consider re-doing the landscaping, repaving the driveway or repairing cement patios to boost your curb appeal. Whether you do the work yourself or hire a landscaper, a home equity loan can help you cover the costs. After all, investing in the labor, cement, pavers, plants, irrigation, topsoil, mulch and removal of your old landscaping can add up fast.

    To possibly have the quickest impact on your home’s resale value, replace overgrown bushes with low, uncluttered plantings. In the backyard, add a simple patio made of pavers, a fire pit or a fountain fashioned out of rocks or pottery. Choose evergreen, perennial plants as the primary elements in your garden. These are low maintenance, and in the winter your home will show better with full bushes instead of twigs. On the other hand, if you live in a warm climate, build an outdoor living space with gravel, pavers, umbrellas and plush patio furniture.

    Spend your home improvement dollars wisely

    With a low home improvement loan rate available, now’s the perfect time to get started on those remodeling projects you’ve been putting off. However, while you’re renovating your home, be careful not to add things that would price your home out of the range of your neighborhood. For example, if you own a bungalow in a neighborhood where sale prices don’t top $125,000, reconsider adding a master suite fit for a mansion. You may not recoup that investment when buyers can get very similar homes on the same street for less. Even in a neighborhood where homes sell for $1 million, adding exotic hardwood floors or marble drives and walkways could still push your home’s price higher than the average, making it harder for you to sell someday.

    Another good tip is to keep your home improvements simple and neutral whenever possible. While you may be an avid gardener, potential homebuyers may not be, so they won’t be enticed by a house with a yard that requires a lot of upkeep. Additionally, if you repaint rooms, choose warm, earth tones. This neutral palette will help homebuyers envision themselves and their furniture in the space. Bright reds, exotic yellows and Caribbean blues may distract potential buyers.

    Find home improvement loans and low rates at Citizens Bank

    If you’re ready to do some demolition and renovation, begin the process to apply for a home equity loan by answering a few questions. With a home equity loan, you have the ability to choose your repayment term and no annual fees. Plus, our home improvement loan rates are low, fixed interest rates, designed to make monthly payments more manageable. Contact a Citizens Bank Home Loan Advisor for more information on home equity loans and rates today.



    4 Tips for Getting a Business Loan #motorcycle #loan


    #how to get a small business loan
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    Commercial and industrial lending is increasing for larger companies, but according to the Thompson Reuters/Pay Net Small-Business Lending Index. the number of traditional bank loans to small businesses has fluctuated wildly over the past year.

    And, let’s face it, small-business owners remain uncertain about what 2013 holds for their business and the economy. In fact, in its latest report the National Federation of Independent Business confirms that small-business optimism remains relatively low.

    “The good news is banks want to make small-business loans. It’s just that many banks are not able to properly scale their resources to include all deserving borrowers, even if small-business owners do meet the stringent standards set by lenders,” says James Walter, founder and CEO of BBC Easy. a provider of automated loan management software for financial institutions. “The fact is many banks are using outdated technology, so the more organized you can be, the more quickly you can be approved.”

    If your business needs credit to grow or a temporary infusion of cash, receiving a loan may be difficult in our still-recovering economy. There are important variables in play when banks evaluate your creditworthiness. Walter and BBC Easy’s co-founder, Corey Ross, offer these tips to increase your chances of securing a loan.

    1. Get your financial house (and documentation) in order.

    Typically, a business needs to have been profitable for the past three years in order to qualify for a bank or SBA loan. Since most lenders will look closely at your credit history prior to making a decision, keep an eye on your credit score and anything in your credit report that might be a red flag.

    Remember, most banks will require that you personally guarantee the loan, but if you have sufficient collateral within your business to cover the loan principal, they shouldn’t require a lien on your home.

    2. Tell your company’s story.

    “In my prior experience as the co-founder of a lending company, one of the most basic errors made by loan applicants was not telling me why their company needs the money. And they wouldn’t reveal why we should approve the loan even though their company doesn’t meet our minimum standards,” says Walter.

    Is your industry experiencing growth? Are you scheduled to partner with a major retailer? What’s your story?

    “Don’t just say you want a loan, turn in your documentation, and expect the loan officer to rubber-stamp your request,” adds Walter. “Fine-tune your business pitch to include your future prospects–not just highlight past successes.”

    3. Go local.

    A national bank is less likely to hear you out if your business hasn’t been profitable for the last three years. It is also likely that your company will be passed over if you are lacking sufficient collateral to secure a loan.

    “Visit a community bank and also inquire about SBA loan programs,” suggests Ross. “Since up to 80 percent of a business loan can be guaranteed by the government under the SBA program, some banks may be more lenient. The downside to this route, of course, is the lengthy paperwork and delay in securing financing due to bureaucracy.”

    4. Look at alternative financing for short-term needs.

    Alternative financing is on the rise as historically profitable or growth-stage companies face shortfalls in cash flow.

    “Asset-based lending and factoring are good bridge financing avenues for many small businesses,” says Ross.

    With factoring, a company sells its accounts receivable to receive a short-term loan of up to 80 percent of its value. Asset-based lending is more comparable to the traditional loan process, where a lender will evaluate accounts receivable, inventory values, and fixed assets to determine creditworthiness, and issue a line of credit. If you don’t qualify for traditional bank financing, look at these alternatives, but expect interest rates on these types of loans to be at least double what you’d pay for a traditional loan.

    The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.



    Credit Help Tips: $ 50 000 unsecured personal loans with bad credit approval: How is this possible? #credit #union #loan


    #unsecured personal loans bad credit
    #

    Monday, February 25, 2013

    $ 50 000 unsecured personal loans with bad credit approval: How is this possible?

    To secure large loans bad credit is not easy, and I think that may be a little bit of the argument. And when it does not provide more security, the following actions a little more impossible is done. Well, $ 50,000 for an unsecured personal loan to be approved with bad credit is not impossible. What should I do? There is a bigger mystery.

    Is willing to assume the risk associated with lending to individuals with poor credit history, but we live in a time of economic recession, loan Large sums of money to loan approval, however, how any strict criteria and conditions are coming to their madness.

    Honest delinquent loans and loans to make a profit, even after this recent severe blow to their credit rating, recession, large unsecured personal loans for practical answers.

    Traditional lenders and problems

    Best to move nearly as mainstream banks and traditional lending does not provide loans. However, if you want a $ 50,000 unsecured bad credit personal loans, they should be avoided as possible. Why? Well, it all comes down to the condition of the cost may prove to be a loan deal with them.

    To get started when you want to check the applicant’s credit history, they are the most industrious remain. On the loan, the interest rate is determined by the credit score. Will push the cost of the loan until inevitably, means a very high interest. A large sum of money to get the loan approved, and therefore typically require a considerable income.

    Applicants have a full time job and a reliable source of income, even though it can be extremely difficult to convince a large unsecured personal loans approved lenders. Is a much better loan options online loan. More competitive prices and more accommodating repayment schedule, usually overdue for a bad credit loan specialists.

    Low-income families stepping to the side

    Is the chief problem for all loan applicants can be repaid in set. Whenever desired applicants have bad credit it is $ 50,000 unsecured personal loans, the ability is essential. Comfortable lending to convince everyone, however, the kind of income.

    cosigner, a large sum of money is useful to play an important role in securing the loan approval. cosigner pay loan effectively to be able to promise that he or she is set on a monthly basis by redemption value will be guaranteed. Maintain repayments because these situations are often more than the collateral security, etc. is desirable.

    Before it is considered to have been accepted by the loans they, however, cosigners must meet a number of criteria. For a start, they are proven source of income, low debt-to-income ratio, and must have an excellent credit record. These are finalized, it is not easy being a large unsecured personal loan

    Watch online loan

    Totally reject loans online even with bad credit, arrears, not around to provide the best loan deal. Online lending criteria and conditions are met for too long, in fact, when a $ 50,000 unsecured personal loans with bad credit you want to give.

    Loans and a lot of work looking all over the Internet does not include other media.

    It is important to verify you are not familiar with loan company or the reputation of the institution before you agree to any loan deal. Unscrupulous lenders deal with the consequences of my actions seem a large sum of money to obtain loan approval, but can be very expensive.

    So, before seeking a large unsecured personal loans from people see a BBB web site.



    What is a 1098-E: Student Loan Interest – TurboTax Tax Tips & Videos #what #is #fha #loan


    #student loan interest calculator
    #

    What is a 1098-E: Student Loan Interest

    Updated for Tax Year 2015

    OVERVIEW

    If you’re currently paying off a student loan, you may get Form 1098-E in the mail from each of your lenders. Your lenders have to report how much interest you pay annually. Student loan interest can be deductible on federal tax returns, but receiving a 1098-E doesn’t always mean you’re eligible to take the deduction.

    What Form 1098-E tells you

    Your lenders are required to send you Form 1098-E only if you paid at least $600 in interest during the year. If you have several student loans with the same lender, the financial institution applies the $600 threshold amount to the total interest paid on all of your loans; you may get a separate Form 1098-E for each loan, though. The amount you see in box 1 reflects your total interest payments for the year.

    When to deduct student loan interest

    The student loan interest deduction is taken as an adjustment when calculating your adjusted gross income, or AGI. This means you don’t have to itemize your deductions to take it.

    To qualify, the interest payments you make during the year must be on a student loan that you took out to put yourself, your dependents or spouse through school. If you’re married filing separately, or for 2015 if your modified adjusted gross income, or MAGI, is $80,000 or more if filing single or $160,000 if married filing jointly, you can’t deduct any student loan interest. Your MAGI is essentially your total income minus the other adjustments you take, except for the tuition, student loan and domestic production activities deductions.

    When you use TurboTax to prepare and file your taxes, you don t need to do any of these calculations on your own. We ll ask you questions in plain English, handle all the calculations, and put all of your answers on the appropriate tax forms.

    How much interest is deductible

    If you’re eligible to deduct student loan interest, TurboTax will put your information into Form 1040 to write it off. Have your 1098-E forms available when preparing your return to determine your total student loan interest paid. You can also add student loan interest payments you made that aren’t reported on Form 1098-E to this total as long as the interest is paid on a qualified loan. Regardless of how much interest you paid, the maximum you can deduct is $2,500.

    When Box 2 is checked

    If Box 2 of Form 1098-E is checked, it means that the amount reported in Box 1 doesn’t include the loan’s origination fees and/or any capitalized interest. Only loans you took out before Sept. 1, 2004, however, should have box 2 checked.

    An origination fee is typically a percentage of your loan that’s withheld from the disbursed funds. You can include a portion of this fee as deductible interest. Dividing the origination fee by the number of years you have to pay off the loan gives you the amount you can treat as student loan interest each year. And if the lender capitalized (increased the principal loan balance) for unpaid accrued interest, you calculate the portion that’s deductible each year in the same way as the origination fee.

    Again, when you use TurboTax to prepare your taxes, we ll handle all of these calculations for you.

    Get every deduction

    you deserve

    TurboTax Deluxe searches more than 350 tax deductions and credits so you get your maximum refund, guaranteed.



    Plastic Surgery Financing – What Are Some Reputable Lenders? Doctor Answers, Tips #federal #stafford #loan


    #cosmetic surgery loans
    #

    Plastic Surgery Financing – What Are Some Reputable Lenders?

    I need financing to help me pay for the breast augmentation and liposuction (i.e. mommy make over) I plan to undergo this summer, but I am kind of weirded out about getting a loan for this. I don t want to end up dealing with some sleazy creditor that preys on people like me who just want to look and feel a little better about their bodies. Can any doctors out there speak to which lenders their patients have worked with? If you ve heard any horror stories or would recommend one lender over another, please share.

    Plastic Surgery Financing – Buyer Beware – Look at photos, training of your PS before checking on financing

    Plastic Surgeons pay for plastic surgery financing programs. The charge to the plastic surgeon can be10% or more. This include surgeon’s fee, OR fee’s,anesthisia fees, pain control devices, garments, etc. Why would a plastic surgeon be willing to hand over a percentage of the overall cost of surgery?

    I am strongly against plastic surgery financing programs, and I have never offered them in my practice. Most, if not all, plastic surgery financing plans are not only a bad idea but also a bad deal for many patients – in some ways that are easily apparent but in other ways that are not as obvious. The most obvious way in which these plans are unfavorable and therefore undesirable is their terms, which often are interest-free for as long as a year, but that revert to an interest rate comparable to a high interest rate credit card (i.e. an APR of 20% or more) if a patient misses or is late on a single payment.

    A recent Nee York Times Article – Google it – discussed the dangers of plastic surgery financing. One very interesting part of the article was when a reported asked the doctors if they would use these programs for themselves or their family members. The physicians asked answered “no”

    I want to do everything possible to help my patients and to make every part of plastic surgery as easy and comfortable as possible. I understand that plastic surgery is expensive and it can be difficult for many, if not most people to afford the fees. However, I would not want my patients to use a program I wouldn’t use myself or recommend to a family member. At some point, a program may be introduced that makes me feel differently, but until my accountant can assure me that a program is safe and easy for my patients, i am willing to lose the business that could come my way by offering plastic surgery financing

    A high interest rate is, in fact, almost a necessity for a credit product that finances a service instead of a tangible asset like a home or an automobile. A creditor can repossess a home or a car, but they can’t repossess your tummy tuck. So a high interest rate helps them hedge the risk of having no collateral.

    If you are considering one of these financing arrangements in order to schedule a plastic surgery procedure, do your due diligence before signing on the dotted line. Make sure that you are fully informed of the consequences of missing a payment or making a late payment. Make an honest assessment of your ability to meet the terms of the contract. Look into whether or not you can obtain better financing terms with an existing credit card account or with the bank with which you have a personal banking relationship and a credit history. And give great consideration to the way in which the concept of financing is presented to you by a surgery practice – is it an option that you can explore further on your own, or is the practice trying to ‘pull you in’ by making the financial part ‘easy’ for you?



    Top 3 VA Home Loan Tips #business #loan


    #best home loan
    #

    Top 3 VA Home Loan Tips

    Military.com

    There are numerous advantages to having a VA mortgage. A VA mortgage loan can be guaranteed with no money down, in some cases up to $417,000. There is also no private mortgage insurance requirement with a VA guaranteed loan, which could offer you substantial savings on your monthly payment. You can even use your VA Loan benefit to refinance an existing loan — even if it is not a VA Loan.

    Be sure to ask for information about the interest rate reduction loan. This program adjusts an adjustable-rate mortgage to a fixed-rate loan, which is part of the Streamline Refinancing Program, which allows you to refinance at little or no expense to them.

    We’ve scoured the Internet to find useful tips for our members to help prepare to take advantage of this exclusive benefit. The following is a collection of useful, concise tips regarding the Veterans Administration Home Loan.

    Tip #1: Check Your Credit First

    Did you know that over 70 percent of all credit reports in the United States contain errors? Your lender will be looking at your credit report and making important decisions based on the information that is contained within — decisions that could make a big difference in the bottom-line.

    Because lenders use complicated scoring formulas to determine how much you can borrow and at what rate it would be a good idea for you to check your credit report for any inaccuracies. Make sure you obtain a report that gives you information from all three major credit bureaus, as each may be different.

    What may seem minor to you might not to a lender. Contact the credit bureaus to correct any mistakes. This could result in substantial savings on the cost of your loan.

    Download a free VA Loan Guide to learn more about this exclusive (veterans and military only) benefit

    Before you start the hunt for a house, the best thing you can do is to get pre-approved for your VA loan amount. The time you save quite literally will be your own. Once you have determined the loan amount you are approved for, you can start house hunting with confidence. In a tight housing market it will also give you a heads up with the seller, as other potential buyers may not have taken this important step.

    Knowing in advance what you are able to afford offers a great deal of security. That kind of security will go a long way as you search for the best value for your money. Having a VA mortgage is an excellent benefit, but finding the right home is just as important. With pre-approval, you avoid wasting time with homes out of your price range or sellers who are unsure whether you are a serious buyer.

    Tip #3: Choose Wisely – Fixed or Adjustable Rate Loan?

    Chances are you will be looking for your VA guaranteed loan in the same places people go to get non-VA home loans or conventional loans. It always pays to shop around, which is why we match you with up to three lenders at Military.com. You can choose to get a fixed rate loan, which you’ll negotiate with the lender, but don?t discount the possibility of a VA adjustable rate mortgage (ARM).

    The interest on an ARM may be adjusted one percent annually, and up to five percent over the duration of the loan period. So should you go with a Fixed rate or adjustable? It really depends on the buyer: In a rising rate environment a fixed rate loan can offer some piece of mind but for those who might not be planning in staying in their home more than a few year, and ARM can offer significant savings now. The best advice is to do your homework, find the most competitive rate and don’t take the first offer you get. That is a mistake often made by first time homebuyers who are excited getting into a house. The time you spend now will yield results for years to come.

    Next Step: Download a free VA Loan Guide today, to learn more about this exclusive (veterans and military only) benefit



    Tips for Getting a Loan With Bad Credit #fed #loan #consolidation


    #quick loans for bad credit
    #

    Getting a Loan With Bad Credit

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    It’s hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. If your credit is less than perfect you re not completely out of luck – it s just that you ll have to work a little harder to get funded. But in your situation it s easy to fall into expensive traps, so let s review the things you can do to improve your chances.

    What is Bad Credit?

    If you’ve been told that your credit ruined your chances of getting a loan, make sure it’s true. There may be errors on your credit report. Once those errors are fixed, things may look very different to lenders.

    The term bad credit means different things to different lenders. One lender might turn you away while others are willing to lend. Don t be afraid to shop around before deciding that your credit is a dealbreaker. That said, there are two things to be careful of in this process:

    • Submit all of your applications within a short period of time (two weeks or so) so that you don t ding up your credit with too many inquiries
    • Apply only to reputable lenders such as banks, credit unions, and P2P lenders described on this site; predatory lenders will almost always give you a loan, but you ll regret it later

    If your credit is truly bad, here are a few ways to try getting a loan with bad credit.

    Visit Credit Unions

    Credit unions may be more willing to offer you a loan with bad credit. Because they tend to be smaller than large banks. there s a better chance that they ll look at you personally – as opposed to just looking at a credit score and the loan application.

    Continue Reading Below

    If you sit across the desk from a human being, you’re more likely to get a loan with bad credit .

    Try Peer to Peer Lending

    Peer to peer lending services are another good option for getting a loan with bad credit. Instead of borrowing from banks (with rigid rules and higher overhead costs), you can borrow from individuals. They may be more sympathetic, but they’re not looking to lose their money.

    Tap Friends Family

    Most peer to peer lending sites allow you to borrow from strangers. However, if your credit is really bad, your friends and family may be your only option. They know you, and may be willing to take a chance. If you borrow from friends and family, do it properly so everybody’s protected: document the loan terms on paper, and consider using a third party to process payments.

    If friends and family won’t hand over their own money, they might still be able to help. If they have good credit. they can help you qualify for a loan as co-signers .

    Use Collateral

    If you’re having trouble getting a loan with bad credit, you may need to put up collateral. By pledging something of value, your lender knows you’re serious and has a better chance of collecting some money. If you have equity in your home, you can probably borrow against it – but there are significant risks.

    Pitfalls

    Some lenders take advantage of folks looking for loans with bad credit. They charge astronomical fees and make it nearly impossible to dig yourself out of debt. Study up on the following types of loans and avoid anything that looks similar:



    Refinance Car Loan Tips and Tricks #best #loans #for #bad #credit


    #refinance auto loan
    #

    Refinance Car Loan Tips and Tricks

    A refinance car loan is an effective way of saving money. A lot of people pay high interest rates on their car loans and overlook the benefits of auto refinancing. It helps you focus on repaying the principal of the loan rather than paying a lot of money on the interest. Even though refinancing your car loan is a straightforward process, you need do your homework and evaluate your credit score.

    See what kind of interest rates you can get

    Choose the Right Auto Loan Lender

    Your first step in refinancing your car loan should be to find an auto loan lender who offers a low Annual Percentage Rate (APR). Research lenders and see what they have to offer. Consult your friends who have had an experience in auto refinancing. Ask them to the good and bad points about their auto lender company and be sure to ask them how much they lowered their car payment and how much they ultimately saved with auto loan refinance.

    Since most refinancing companies have their own calculator, it is advisable to shop around and check which company provides the lowest interest rate. You can determine which company has a lower interest based on the monthly payment it estimates you need to pay. Check at least three different companies before settling on one.

    Get started by finding your refinancing rates now

    Run a Credit Check

    Before you refinance your auto loan, it is best to run a credit check to determine your current credit standing. As with any financing application, you need to know whether you have a bad credit history, since this may determine the interest rate for the refinance auto loan. There are several accredited websites where you can check your credit report or history.

    Do Not Apply for a Refinance Car Loan If Your Credit Score Is Below 600

    If your credit score is not impressive, you will not gain maximum benefits from refinancing. Interest rates are determined by your credit score. If you have a good credit score, it is likely that you will get a lower interest rate. You should have a good credit history before you apply for refinancing. Consulting a credit repair company to improving your credit score will prove helpful. It is a myth that your credit score drops if you run your credit report online. It is common for auto dealers to use your ignorance about your credit history to charge you higher interest rates.

    Consider Auto Loan Refinancing Even If the APR on Your Car Loan Is Low



    5 Tips for Refinancing an Auto Loan #car #loan


    #refinancing car loan
    #

    5 Tips for Refinancing an Auto Loan

    Page 1 of 4

    5 Tips for Refinancing an Auto Loan

    Since the end of 2008, and until U.S. unemployment and inflation rates drop and stabilize, the Federal Reserve is holding interest rates at historical lows, allowing financial institutions to offer appealing rates for new and used car loans. This regulatory climate also means that refinancing a car loan is a wise idea for people with existing loans at higher interest rates.

    Refinancing auto loans is easier than many people might think. The application process is generally quick, taking no longer than 15 minutes, and many financial websites offer the ability to compare rates for multiple lenders who can compete for your business. When refinancing a car loan, be sure to follow Autobytel s top 5 auto loan refinancing tips.

    Tip #1: Know Your Credit Score

    Before you try to refinance your car loan, you need to know your credit score. This is particularly important for people who may be in a more or less advantageous financial position than they were when the current car loan was finalized.

    If you know that your financial situation and your credit score have improved since your current car loan paperwork was originally signed, you should be able to get a lower interest rate on a new loan. If the opposite is true, it is more likely that a car owner will have a difficult time in obtaining a lower interest rate. That said, people who are currently in financial trouble should still explore their options for refinancing an auto loan as one way to get household finances under control.

    Additionally, knowing your credit score in advance can help people who are refinancing a car loan to avoid being taken advantage of by an unscrupulous lender that might attempt to charge a higher interest rate and justify the higher rate by claiming the loan applicant has imperfect credit.

    Page 2 of 4

    5 Tips for Refinancing an Auto Loan

    Tip #2: Know the Value of Your Car

    If you are upside down on your current car loan, which means that the car is worth less than you owe on the existing loan, you will not be able to refinance the car loan. The reason is because the car itself is the collateral for the new car loan, and a lender will not allow you to finance a greater amount than it is worth.

    To determine what you owe on your existing loan, check the most recent statement you received in the mail or via your online account. Next, determine the market value of your vehicle by cross-referencing at least three trusted sources for used car values. If the balance due on the existing car loan is greater than the current published value for the car, you likely cannot refinance your car loan.

    Tip #3: Shop for Lower Car Loan Rates

    When refinancing a car loan, be sure to talk about your options with your current lender before completing a loan application with another financial institution. Your current lender wants to retain your business, and might be able to make the process even easier because much of your detailed financial information is already on file.

    Even if your current lender is interested in refinancing a car loan at a lower rate, be sure to shop around. Compare the new quoted rate with rates from other lenders using a finance-related website that offers the ability to search a database of financial institutions and rates based on the desired length of the loan, your geographic region, and other factors.

    Page 3 of 4

    5 Tips for Refinancing an Auto Loan

    Tip #4: Watch Out for Restrictions and Hidden Fees

    Oftentimes when refinancing a vehicle, a lender will require a minimum loan value in order to extend financing, so be sure you understand any restrictions associated with a loan program prior to completing a loan application. Also be sure to ask if there are any fees associated with the application. There are many financial institutions willing to help with refinancing auto loans that you shouldn t need to pay any document preparation fees or other tacked on extras.

    Tip #5: Complete Loan Applications One at a Time

    Now is a great time for refinancing a car loan. Interest rates are at record lows, and have nowhere to go but up in the years ahead. If you needed to accept a higher interest rate for your current car loan due to credit problems or other financial difficulties and your financial situation has since improved, refinancing an auto loan can save money every month. Alternatively, if you are struggling to make ends meet but still have excellent credit, refinancing a car loan can help give your monthly budget some breathing room. Either way, for borrowers, rates simply don t get better than they are today.

    More Articles Like This

    Autobytel’s List of Best Black Friday Car Deals

    2016 Toyota Camry: New Car Review

    How to Get Auto Financing for Bad Credit

    How to Apply for Used Car Loans Online

    Tips on Finding the Best Auto Loan Rates

    What Are No Credit Car Loans?



    5 Tips to Get Personal Loans for People with Bad Credit #car #loans #for #bad #credit


    #bank loans for people with bad credit
    #

    Share with friends

    If you have bad credit, finding a personal loan can be tricky but it is totally doable. Personal loans are a good option if you are looking to fund a big expense, cover a special purchase, consolidate debt, or get rid of high interest rate balances. Personal loans offer interest rates that are significantly lower than credit cards, potentially saving you thousands of dollars in interest. While bad credit will not stop you from getting a personal loan, you will need to be strategic about it. Here are 5 tips on how to secure a personal loan if you have bad credit.

    1. Find a transparent lender you can trust: This is a critical first step in pursuing that personal loan with bad credit, as there are many predatory lenders and scams out there that will make you all kinds of promises while keeping you trapped in a cycle of debt. Basically, you want to work with a lender who will be upfront about rates and fees, flexible on terms, and willing to look at your entire situation, not only your credit score. A credit union is always a good place to start, as these are nonprofit organizations who work to pass along earnings in the form of lower fees, strong customer service, and a certain degree of flexibility.
    2. Arm yourself with information: Don’t wait for the bank to surprise you—be sure you know where you stand long before you have that conversation with the loan officer. The first step to take here is to go to one of the free credit score sites online and get a copy of your credit report and score (typically a score below 580 is considered bad credit). Then take the time to review that credit report to determine if there are any mistakes. If you find an error, take the time to rectify it. Although time consuming, even a little error can make a big difference in your credit score.
    3. Do your research ahead of time: Once you know your credit situation, then take the time to find out what’s out there. You can research online to find out what the financial market is like and what you can expect in general from different lenders. It’s recommended that you compare loan offers from several institutions to ensure that you are getting the lowest interest rate possible on your loan. And if you end up going with a bank or institution you are unfamiliar with, do your due diligence there too (like checking with the Better Business Bureau) to make sure you are not walking into a scam or bad situation.
    4. Leverage your assets: For instance, if you own a home and it’s worth more than you own on it, a home equity line of credit makes a great option. With this type of loan, equity in the property gives you access to a low-interest, tax-deductible line of credit, without any consideration of your credit score. Just take care to assess your current situation to make sure you will be able to make the loan payments, as failure to do so can end up putting your property in jeopardy.
    5. Look for viable alternatives: If you simply cannot find a personal loan with a reasonable interest rate based on your credit alone, then you may have to get creative. One option is to get a friend or family member who knows your situation and trusts your ability to repay the debt to cosign the loan. There are also unique loan structures out there, like peer to peer (P2P) lending, an online platform that allows you to borrow directly from an individual rather than an institution, who may be willing to overlook your current credit situation.

    Although getting a personal loan with bad credit isn’t always easy, you have more options than you think. With a little ingenuity, you can secure that loan you need and move toward rebuilding your credit.



    USwitch’s Top Tips To Find The Best Car Finance Deals #grad #school #loans


    #cheapest car loans
    #

    Get the best car finance deals

    Don’t fall into the car finance trap, read on for our top nine tips for finding the best car finance deals.

    Buying a car is often a large financial commitment, but there are a number of options available to help drivers complete the four-wheeled transaction.

    Car finance loans

    Compare all sorts of loans from personal loans to car finance loans.

    However, our research found that less than a third of bargain hunters looking for a cheap car think about car finance before they head to the dealer s forecourt.

    This could be an expensive mistake, because failing to find a cheap car loan or research the best car finance deals can drive up the price you ultimately pay.

    Top tips for getting a cheap car loan

      • Best buy unsecured personal loan rates are only available to people with a good credit history, so not all car buyers will be able to get them. However, it’s still worth shopping around as there are still quite a few good deals. You can check your credit report for free before you apply .
      •  Having the money ready before you start car hunting will strengthen your bargaining power as you can make the purchase immediately – you are effectively a cash buyer.
      • Some car dealers offer 0% finance on new cars, these deals are definitely worth considering if you can get one you may have to pay a hefty deposit though.

      • When looking at car dealership finance, make sure you take into account the size of the deposit and the final payment as well as the monthly payments as this can really ramp up the overall cost.
      • Leasing deals can sometimes work out cheaper as consumers may not have to pay for servicing and repairs.
      • For consumers with a poor credit score, leasing could be next best available option as they are not actually buying the vehicle.
      • It is also worth looking at cars that have been pre-registered by a dealer. They only have a few miles on the clock so in effect you get a nearly brand-new vehicle at a second-hand price.
      • The collapse of a motor manufacturer can have a knock-on effect on a car s re-sale value plus the availability of vehicle parts these factors should be carefully considered by potential buyers.
      • As well as haggling on the price, look for free extras such as extended warranties and service packages.

    Read more…

        • Cheapest Loans Uk What are the cheapest loans currently available in the UK
        • Comparing Loans What should you look out for when making a loan comparison?
        • Credit Unions Banks and payday lenders aren t the only places you can get a loan


    Debt Consolidation: Get Tips on How to Pay Debt Off – CIBC #quick #personal #loans


    #consolidating debt
    #

    Learn How Debt Consolidation Works

    Even if you don’t have a stack of credit card bills with high interest rates, you may have school loans, car loans or high-interest loans. There are ways to manage your debt so you can pay less in interest, minimize monthly payments and eventually eliminate these loans altogether. Consider these three ways to reduce your debt.

    1. Look for lower interest rates

    A lower interest rate allows for a higher portion of your payments to go towards paying off the principal of the loan, so you can pay off the debt faster. Here are a few ways to get a lower rate:

    • Request a lowered interest rate from your credit card provider
    • Open a lower interest credit card, and make a balance transfer
    • Move balances off of cards with especially high interest rates, and onto cards that can minimize these charges

    2. Consolidate debt with loans or lines of credit.

    Not only will debt consolidation help you better organize your monthly payments, but it should also allow you to pay less in interest than all your previous rates combined. Here are just a few ways you can combine and manage your debt:

    • Apply for a debt consolidation loan, and then pay just the single monthly payment on your new loan
    • Open a line of credit rather than taking out another loan, then repay the line of credit as you use it

    3. Refine your debt paying strategy.

    Once you’ve consolidated your debts into as few loans or payments as possible, you may still have to prioritize the debts you can afford to pay first. There are two schools of thought on this.

    Pay off your highest interest loans first

    Some financial experts will advise you to tackle the highest-rate debt first because interest is accruing at a brisk pace. If the loan balances on your high-interest debts are within your reach to pay, this can be a good strategy. However, the debt with the highest interest rate may also be the largest loan or debt you have, meaning it will take longer to pay it off and make a dent in your overall debt load.

    Pay smaller loans first

    Eliminating several smaller loans and debts first may be a better solution. You’ll reduce your overall debt load, and get the satisfaction of having some initial success.

    CIBC has a borrowing solution for you.

    CIBC Personal Loans and Lines of Credit enable you to borrow with flexibility at competitive interest rates. Talk to a CIBC advisor today at 1-866-525-8622. You can get your questions answered and learn about CIBC’s lending products. Or, start your loan application online now.



    5 Tips For Financing Investment Property #home #loan #interest #calculator


    #investment loans
    #

    5 tips for financing investment property

    Shy away from big banks

    If your down payment isn’t quite as big as it should be or if you have other extenuating circumstances, consider going to a neighborhood bank for financing rather than large, nationwide financial institutions.

    “They’re going to have a little more flexibility,” Huettner says. They also may know the local market better and have more interest in investing locally. Mortgage brokers are another good option because they have access to a wide range of loan products, but do some research before settling on one.

    Recommendations from friends also are a good way to vet lenders, and investors shouldn’t be afraid to inquire about their credentials, and then verify them. “What is their background?” Huettner asks. “Do they have a college degree? Do they belong to any professional organizations? You have to do a little bit of due diligence.”

    Ask for owner financing

    A request for owner financing used to make sellers suspicious of potential buyers, because almost anyone could qualify for a bank loan, Huettner says. But these days, it’s become more acceptable due to the tightening of credit.

    However, you should have a game plan if you decide to go this route. “You have to say, ‘I would like to do owner financing with this amount of money and these terms,'” Huettner says. “You have to sell the seller on owner financing, and on you. You need to present a picture to someone so they’re not filling in the gaps with their worst fears.”

    Think outside the box

    If you’re looking at a good property with a high chance of profit, consider securing a down payment or renovation money through home equity lines of credit, from credit cards or even from some life insurance policies, says Ben Spofford, an Ohio home remodeler and former real estate investor. As always, research your investment thoroughly before turning to these riskier sources of cash.

    Financing for the actual purchase of the property might be possible through private loans from peer-to-peer lending sites like Prosper.com and LendingClub.com, which connects investors with individual lenders.

    Just be aware that you may be met with some skepticism, especially if you don’t have a long history of successful real estate investments. Some peer-to-peer groups also require your credit history to meet certain criteria.

    “When you’re borrowing from a person as opposed to an entity, that person is generally going to be more conservative and more protective of giving their money to a stranger,” Spofford says.



    4 Tips for Getting a Business Loan #loan #modification


    #how to get a small business loan
    #

    Commercial and industrial lending is increasing for larger companies, but according to the Thompson Reuters/Pay Net Small-Business Lending Index. the number of traditional bank loans to small businesses has fluctuated wildly over the past year.

    And, let’s face it, small-business owners remain uncertain about what 2013 holds for their business and the economy. In fact, in its latest report the National Federation of Independent Business confirms that small-business optimism remains relatively low.

    “The good news is banks want to make small-business loans. It’s just that many banks are not able to properly scale their resources to include all deserving borrowers, even if small-business owners do meet the stringent standards set by lenders,” says James Walter, founder and CEO of BBC Easy. a provider of automated loan management software for financial institutions. “The fact is many banks are using outdated technology, so the more organized you can be, the more quickly you can be approved.”

    If your business needs credit to grow or a temporary infusion of cash, receiving a loan may be difficult in our still-recovering economy. There are important variables in play when banks evaluate your creditworthiness. Walter and BBC Easy’s co-founder, Corey Ross, offer these tips to increase your chances of securing a loan.

    1. Get your financial house (and documentation) in order.

    Typically, a business needs to have been profitable for the past three years in order to qualify for a bank or SBA loan. Since most lenders will look closely at your credit history prior to making a decision, keep an eye on your credit score and anything in your credit report that might be a red flag.

    Remember, most banks will require that you personally guarantee the loan, but if you have sufficient collateral within your business to cover the loan principal, they shouldn’t require a lien on your home.

    2. Tell your company’s story.

    “In my prior experience as the co-founder of a lending company, one of the most basic errors made by loan applicants was not telling me why their company needs the money. And they wouldn’t reveal why we should approve the loan even though their company doesn’t meet our minimum standards,” says Walter.

    Is your industry experiencing growth? Are you scheduled to partner with a major retailer? What’s your story?

    “Don’t just say you want a loan, turn in your documentation, and expect the loan officer to rubber-stamp your request,” adds Walter. “Fine-tune your business pitch to include your future prospects–not just highlight past successes.”

    3. Go local.

    A national bank is less likely to hear you out if your business hasn’t been profitable for the last three years. It is also likely that your company will be passed over if you are lacking sufficient collateral to secure a loan.

    “Visit a community bank and also inquire about SBA loan programs,” suggests Ross. “Since up to 80 percent of a business loan can be guaranteed by the government under the SBA program, some banks may be more lenient. The downside to this route, of course, is the lengthy paperwork and delay in securing financing due to bureaucracy.”

    4. Look at alternative financing for short-term needs.

    Alternative financing is on the rise as historically profitable or growth-stage companies face shortfalls in cash flow.

    “Asset-based lending and factoring are good bridge financing avenues for many small businesses,” says Ross.

    With factoring, a company sells its accounts receivable to receive a short-term loan of up to 80 percent of its value. Asset-based lending is more comparable to the traditional loan process, where a lender will evaluate accounts receivable, inventory values, and fixed assets to determine creditworthiness, and issue a line of credit. If you don’t qualify for traditional bank financing, look at these alternatives, but expect interest rates on these types of loans to be at least double what you’d pay for a traditional loan.

    The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.



    Excel Mortgage Calculation Tips (Loan Amortization) #loans #for #people #on #benefits


    #loan calculator excel
    #

    Excel Mortgage Calculation Tips

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    If you really want to analyze the nuts and bolts of a loan, use a spreadsheet such as Microsoft Excel. Excel allows you to change the inputs (such as interest rate. term. loan amount, and extra payments) to calculate mortgage payments and interest costs under several what-if scenarios. Your Excel mortgage model will show how your loan amortizes over time.

    Continue Reading Below

    To find those models, go to New file, then Templates .

    If you want to build your own model, start by using cells at the top of your spreadsheet that you can enter information into and change if you want:

    • Loan amount
    • Interest rate (learn how to convert percentages and decimals for these calculations)
    • Number of periods

    I like to color those cells green, meaning I can change those values as I compare loans.

    Then, number each row on the left side for each payment you’ll make. For large numbers such as 30 year loans, it’s easiest to use the fill handle and let Excel fill in the numbers for you.

    Next, create columns for each piece of information:

    • Starting loan balance
    • Payment
    • Amount applied to interest
    • Amount applied to principal
    • Remaining loan balance

    Next, have Excel calculate the values for you. Remember to use the $ when you refer to any row number in your calculations except the Period – otherwise Excel will look in the wrong row.

    • Use the PMT function to calculate your monthly payment
    • Use the IPMT function to show the amount of each payment that goes to interest
    • Subtract the interest amount from the total payment to calculate how much principal you paid in that month

    Continue Reading Below

    • Subtract the principal you paid from your loan balance to arrive at your new loan balance
    • Repeat for each period (or month)

    To see an example of how your table might look, scroll to the bottom of our Amortization Calculation page .

    If you don t want to do all the work of building an Excel mortgage model, there s an easier way. Use our online Loan Amortization Calculator .



    USwitch’s Top Tips To Find The Best Car Finance Deals #one #hour #loans


    #cheapest car loans
    #

    Get the best car finance deals

    Don’t fall into the car finance trap, read on for our top nine tips for finding the best car finance deals.

    Buying a car is often a large financial commitment, but there are a number of options available to help drivers complete the four-wheeled transaction.

    Car finance loans

    Compare all sorts of loans from personal loans to car finance loans.

    However, our research found that less than a third of bargain hunters looking for a cheap car think about car finance before they head to the dealer s forecourt.

    This could be an expensive mistake, because failing to find a cheap car loan or research the best car finance deals can drive up the price you ultimately pay.

    Top tips for getting a cheap car loan

      • Best buy unsecured personal loan rates are only available to people with a good credit history, so not all car buyers will be able to get them. However, it’s still worth shopping around as there are still quite a few good deals. You can check your credit report for free before you apply .
      •  Having the money ready before you start car hunting will strengthen your bargaining power as you can make the purchase immediately – you are effectively a cash buyer.
      • Some car dealers offer 0% finance on new cars, these deals are definitely worth considering if you can get one you may have to pay a hefty deposit though.

      • When looking at car dealership finance, make sure you take into account the size of the deposit and the final payment as well as the monthly payments as this can really ramp up the overall cost.
      • Leasing deals can sometimes work out cheaper as consumers may not have to pay for servicing and repairs.
      • For consumers with a poor credit score, leasing could be next best available option as they are not actually buying the vehicle.
      • It is also worth looking at cars that have been pre-registered by a dealer. They only have a few miles on the clock so in effect you get a nearly brand-new vehicle at a second-hand price.
      • The collapse of a motor manufacturer can have a knock-on effect on a car s re-sale value plus the availability of vehicle parts these factors should be carefully considered by potential buyers.
      • As well as haggling on the price, look for free extras such as extended warranties and service packages.

    Read more…

        • Cheapest Loans Uk What are the cheapest loans currently available in the UK
        • Comparing Loans What should you look out for when making a loan comparison?
        • Credit Unions Banks and payday lenders aren t the only places you can get a loan


    Tips On Refinancing a Mobile Home Loan #private #loans #for #college


    #manufactured home loans
    #

    Refinancing mobile home loan at lower rate

    Buying a mobile home, also known as a manufactured home, can be one of the most affordable ways to own.

    One decision can make a significant difference in monthly payments: whether to finance the mobile home with a personal property loan or a mortgage.

    Personal property loans, known as chattel loans, have much higher interest rates than mortgages. To some owners of manufactured homes, refinancing chattel loans into mortgages could reduce monthly housing expenses.

    Refinancing a mobile home

    To qualify for refinancing as a mortgage:

    • The home must be on a permanent foundation that meets standards set by the Department of Housing and Urban Development.
    • The manufactured home must be titled as real estate rather than as personal property.
    • The homeowner has to own the land that the manufactured home is on. An important exception to this rule is explained below.

    Big difference in interest rates

    In 2012, about 68 percent of all manufactured-housing purchase loans were considered higher-priced mortgage loans, and many of them were chattel loans, according to the Consumer Financial Protection Bureau.

    More On Refinancing:

    “refinance”

    Interest rates on chattel loans range from 7 percent to 12.75 percent, says Ken Rishel, founder of Rishel Consulting Group in Chicago. The loans are usually for 15 or 20 years.

    In contrast, the average rate for a 30-year fixed-rate loan has been well below 5 percent for all of 2014.

    Rishel, whose company makes chattel loans of at least $5,000, says the interest rates are risk-based, and chattel loans are often the only choice for borrowers with poor credit. Chattel loans are the main option for owners whose mobile homes are not permanent foundations.

    Converting to a new title

    Some states have eased the process of converting a personal property title into a real estate title, making refinancing possible, says Marc J. Lifset, an attorney with McGlinchey Stafford in Albany, New York.

    Lifset helped financial institutions lobby for the approval of that legislation in Alaska, Illinois, Iowa, Louisiana, Maryland, Missouri, Nebraska, North Dakota, Tennessee and Virginia.

    “The legislation provides a clear definition of when the home is real estate and when it is not,” he says. “It makes the process more certain. In many states, the definition was murky.”

    Getting a real estate title

    A real estate attorney or title company can help with a title conversion as a first step to refinance. Owners of manufactured homes need to provide:

    • A certificate of title to the home or a copy of the manufactured certificate of origin.
    • The deed to the land where the home with the permanent foundation is located.

    Once the owner has the real estate title in hand, the next step is to find lenders that provide mortgages on manufactured homes. The rest of the process is similar to closing a mortgage on any residential property.

    Borrowing on leased land

    Under some circumstances, owners of manufactured homes leasing a lot at a mobile home community can get mortgages — even if they don’t own the land beneath their feet.

    The Federal Housing Administration offers a program known as Title I, designed for owners whose mobile homes are on a permanent foundation but are within a manufactured housing community.

    Among the requirements for a Title 1 mortgage:

    • The mobile home must be the borrower’s primary residence.
    • The home has to be on a rental site in a manufactured home park that conforms to FHA guidelines.
    • The lease agreement must meet FHA standards.

    It’s not easy to find mobile home communities that meet the FHA’s strict guidelines, says Rishel, whose company makes chattel loans in land-lease communities. “Not many landlords participate on the Title I program.”

    Few lenders offer Title I mortgages. One is 21st Mortgage, which is owned by Clayton Homes, one of the nation’s largest manufacturers of mobile homes.

    Costs of switching title

    When a mobile home is titled as personal property, the owner pays personal property taxes. When it’s titled as real estate, the owner pays real estate taxes. In many states, property taxes tend to be higher.

    “The consumer has to do the math on how much they are going to save by lower interest rates, compared to how much more taxes they may be paying and what the closing costs are going to be” in a refinancing, Lifset says.

    Another potential downside: If the owner has to build a permanent foundation to refinance a chattel loan, that expense has to be taken into account. Building a new foundation could cost $10,000 to $15,000, Rishel says.

    “Refinancing is a valuable thing but for a limited number of people who live in manufactured homes,” he says.



    Tips For Getting A Mortgage Modification #instant #payday #loan


    #home loan modification
    #

    Tips for getting a mortgage loan modification

    Getting a mortgage loan modification might seem like a quest only a mythic hero could achieve. After all, the ranks of those who’ve lost homes in foreclosure dwarf the number of homeowners who’ve received mortgage help.

    Meet Lisa Langlois, mythic hero.

    Find the best mortgage rates

    First, she was served with divorce papers. Then she was loaded with medical bills, despite having two health insurance policies, after an SUV struck her son.

    Caught in a financial undertow, she turned for help to the nonprofit Los Angeles Neighborhood Housing Services. The organization eventually helped get her home loan modified.

    The seemingly mysterious nature of who qualifies for a loan modification is legendary among housing counselors. But these experts say there are ways homeowners can better their chances.

    Following are housing counselors’ tips for getting a mortgage loan modification:

      Complete the package. Homeowners need to submit paycheck stubs, a hardship letter, a budget and any other documents the loan servicer wants. If even one document is missing or outdated, the entire file will drop to the bottom of the pile. Ask questions. Make sure you know exactly what to provide to servicers. Servicers often request two paycheck stubs on the assumption that two paychecks represent one month’s income. But a homeowner who is paid weekly, bimonthly or monthly may have to submit more or fewer paycheck documents. Similar misunderstandings about other documents can be equally problematic.
    • Stay in touch. Homeowners should call the servicer at least once a week and check on the status of his od her request. Ask whether the file is complete. Review the documents. Explain any special or changed circumstances. A counselor can help, but lenders also want to hear from the homeowner on a consistent basis, says Richard Korn, a foreclosure intervention and default counselor at Apprisen Financial Advocates in Columbus, Ohio.


    Tips for Getting a Loan With Bad Credit #car #loans #calculator


    #quick loans for bad credit
    #

    Getting a Loan With Bad Credit

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    It’s hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. If your credit is less than perfect you re not completely out of luck – it s just that you ll have to work a little harder to get funded. But in your situation it s easy to fall into expensive traps, so let s review the things you can do to improve your chances.

    What is Bad Credit?

    If you’ve been told that your credit ruined your chances of getting a loan, make sure it’s true. There may be errors on your credit report. Once those errors are fixed, things may look very different to lenders.

    The term bad credit means different things to different lenders. One lender might turn you away while others are willing to lend. Don t be afraid to shop around before deciding that your credit is a dealbreaker. That said, there are two things to be careful of in this process:

    • Submit all of your applications within a short period of time (two weeks or so) so that you don t ding up your credit with too many inquiries
    • Apply only to reputable lenders such as banks, credit unions, and P2P lenders described on this site; predatory lenders will almost always give you a loan, but you ll regret it later

    If your credit is truly bad, here are a few ways to try getting a loan with bad credit.

    Visit Credit Unions

    Credit unions may be more willing to offer you a loan with bad credit. Because they tend to be smaller than large banks. there s a better chance that they ll look at you personally – as opposed to just looking at a credit score and the loan application.

    Continue Reading Below

    If you sit across the desk from a human being, you’re more likely to get a loan with bad credit .

    Try Peer to Peer Lending

    Peer to peer lending services are another good option for getting a loan with bad credit. Instead of borrowing from banks (with rigid rules and higher overhead costs), you can borrow from individuals. They may be more sympathetic, but they’re not looking to lose their money.

    Tap Friends Family

    Most peer to peer lending sites allow you to borrow from strangers. However, if your credit is really bad, your friends and family may be your only option. They know you, and may be willing to take a chance. If you borrow from friends and family, do it properly so everybody’s protected: document the loan terms on paper, and consider using a third party to process payments.

    If friends and family won’t hand over their own money, they might still be able to help. If they have good credit. they can help you qualify for a loan as co-signers .

    Use Collateral

    If you’re having trouble getting a loan with bad credit, you may need to put up collateral. By pledging something of value, your lender knows you’re serious and has a better chance of collecting some money. If you have equity in your home, you can probably borrow against it – but there are significant risks.

    Pitfalls

    Some lenders take advantage of folks looking for loans with bad credit. They charge astronomical fees and make it nearly impossible to dig yourself out of debt. Study up on the following types of loans and avoid anything that looks similar:



    Student Car Loan Tips #payday #loans #no #faxing


    #student car loans
    #

    Student Car Loan Tips

    Save Up a Down Payment: Saving up a pile of cash when you are young might be one of the most difficult things you have ever done. It takes discipline. Watching all your friends with the latest tech gear and fashion can easily side track your financial goals. Financial decisions you make early in life can affect you for a very long time. If it is a car you desperately need, sacrifices need to be made.

    Shoot for a down payment of 5 to 10 percent of the vehicles value. Putting money down on a car loan will not only reduce your monthly payment. it could also lower your interest rate.

    Get a Steady Income: Getting a steady income is crucial to getting a car loan on your own. A steady income is the downfall of many college students wanting a car loan. It is tough to get a flexible good paying job and juggling college at the same time. If a steady income isn’t happening for you anytime soon, check the option below.

    Get a Co-Signer : The easiest way to get approved for a car loan if you are a student is to get a co-signer.

    Continue Reading Below

    A co-signer is someone hopefully with a full time job and good credit that is willing to vouch for your ability to pay the loan on time. A co-signer is taking on responsibility for the car loan if you fall short. Not only are you more likely to get approved for a student car loan with a co-signer, but often you will get a better interest rate.

    Shop your Credit Union, Bank, Dealership, or even Online: A lot of different places offer car loans. It is important to shop around for the best deal. Check with the credit union or bank you currently do business with. Credit unions often offer up to 1% lower interest rates on car loans than banks. Online lenders usually work on a massive scale and can also find you a low rate. One source does not stand out above the rest for everybody. You need to check around to see what car loan source is the best for your situation.

    Consider Refinancing after a Year or Two: Definitely consider refinancing your car loan in one to two years. If you have been making your payments on time, you have proven your ability to make your payments. Plus, your credit score is probably either becoming established or improving. Ask your current lender if it is possible to lower your current rate or start shopping for another car loan. It is possible to cut your interest rate in half after a year or two of on time monthly payments.

    Think about other Car Expenses: As a student on a tight budget, it is imperative to think about all the expenses tied with a car purchase. Full coverage car insurance is usually required on a vehicle with a loan. Be sure to get your car insurance quoted before signing for your car loan. Depending on your age, driving history, and prior insurance, the cost of insurance could be really high. Also consider the cost of fuel and vehicle maintenance. It won’t be any fun having your own set of wheels if you can’t afford to drive it anywhere.

    Sometimes a student car loan is your only option. You don’t want to drive around a beater that will leave you stranded on the side of the road on a regular basis. Do not assume you do not qualify for a car loan. Students can usually get a better deal than borrowers with bad credit. Students work hard and it is usually a consideration by the potential lender when it comes to purchasing a vehicle.



    How to Get a Small Business Loan: Tips for Female Entrepreneurs #quick #payday #loan


    #small business loans for women
    #

    How to Get a Small Business Loan: Tips for Female Entrepreneurs

    REUTERS

    It’s no secret that securing a small business loan is an uphill battle. Of all the businesses that apply, only a few ever receive the money they need from banks and small business lenders, leaving the rest of them to find alternative sources of capital.

    For female entrepreneurs in the still male-dominated business world, getting a loan can be even more difficult. A recent study by the California Reinvestment Coalition found that small business loans given to female-owned businesses in California have dropped 70 percent since 2007, and it’s likely that other states have also seen a drop in small business lending to women. Even if a female business owner is financially secure, it’s more than likely that she’ll be turned away.

    “We tried to get a loan from a few different banks that advertised wanting to help small businesses,” said Hannah Lavon, co-founder of Hooray Hoopla, parent company of accessories retailer, Vs. Stuff. “But we were turned away because they said we had to be in business for at least five years, even after showing our finances.” [How to Apply for a Small Business Loan]

    BusinessNewsDaily spoke with several financial professionals and female entrepreneurs, who provided the following tips for women-owned small businesses looking to secure a loan:

    Build relationships in your business community

    Small business lenders want to know that the companies they’re investing in are headed for success. That’s why it’s so important to establish yourself within your local business community before you try to apply for a loan.

    “It is essential for female business owners to build relationships in their business communities,” said Anne Hopkinson, owner of Haydenville Broomworks. “Part of being a trusted small business is building these relationships, and this can take time.”

    To get started, Hopkinson recommended looking for small business support groups in your area, such as university mentorship programs or small business development centers. Many advisers at these organizations work with lenders, and their professional relationships can benefit you in the loan application process.

    Have your financial information organized

    Nothing will get your loan application denied faster than having your finances in disarray. Monica Guevara, manager of lending services at Business Outreach Center Network, reminded applicants that lenders need to verify all the information you give via documentation, so having the necessary statements and reports organized and ready for review will demonstrate that you’ve done your homework.

    “Make sure you’re paying your bills on time, reporting all your income, and able to explain how you will use the loan,” Guevara said.

    Lenders also generally require that recipients have some sort of collateral to put down on their loan, so be sure you have some money put away before you apply.

    Explore your lender options

    As with any other major financial decision, it’s always a good idea to explore all options before deciding on a final choice. Greg Simmons, PNC Bank’s southeast SBA sales manager, said that business owners should spend time shopping around for the lender that suits their needs.

    “Even though a loan request may be eligible, not all banks have the same appetite for industries, projects or rates,” he told BusinessNewsDaily. “Consider the costs of a full relationship, not simply the rate of the loan.”

    While chain banks are certainly a good place to start your loan research, independent lenders are another option to keep in mind.

    “Authorized small business lenders can be much more personal, and therefore more likely to give you the money,” Lavon said.

    Seek out women-specific lending programs

    No matter where they apply for a loan, female entrepreneurs face a lot of competition. However, some lenders have implemented loan programs dedicated to women-owned businesses to make it a little easier for these business owners to receive funding.

    “We’ve historically seen women underrepresented with co-ed funds, and the emergence of funds that are earmarked specifically for women is a new and exciting trend,” said Marina Lee, founder of Women In Tech Network and Startups Edge.

    Lee suggested applying for general loans and women-centric programs simultaneously to increase your chances of receiving the money.

    Know what you need and prove you’ll use it well

    Being able to explain to a lender the exact proposed amount and purpose of your loan is perhaps the most important factor in getting approved, next to proving financially stability. Vague loan requests often make a lender wary, so being prepared with specific information can only help you in the loan application process.

    “The business owner should understand not only how much funds are needed, and for what, but that the funds are very likely to produce results based on their knowledge and experience,” Guevara said.

    “Be prepared with full financial information and current debt service for your business,” Simmons added. “Know specifically what your request is for and what benefit it will bring your company.”

    Originally published on BusinessNewsDaily.

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