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Posts Tagged ‘Interest Rate’

5 Things You Need to Know About Credit Scores

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ShareThis Over the past few years, consumers have been increasingly aware of the importance of a credit score. If you plan to borrow money (i.e., car loan or mortgage), your credit score is a major factor that determines your ability to get the loan and the interest rate you are eligible for. With a better credit score, you will be able to enjoy the best rates available. Your credit score could even impact your insurance rates and your ability to get certain jobs. As such, it is a good idea to learn as much as you can about this… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - October 19, 2010 at 12:20 am

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6 Things to Negotiate When Buying a House

Even though there are some scattered signs that the housing market is picking up, in most areas, it is still very much a buyer’s market. That means that you have some pull when it comes to buying a house. So, if you have low credit card debt, a good credit score, a decent down payment, and a stable job, now is a good time to go house hunting. You’ll get a better interest rate, and you will be able to negotiate with the seller to help you save a little more money. Photo by MichiganMoves via Flickr Here are 6… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - April 27, 2010 at 5:20 pm

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Ally Bank CDs Offer Protection From Rising Interest Rates?

Ally Bank has been making several customer-friendly tweaks to their product line which are worthy of note. First up are two that give you a way to lock in a higher rate, but with a handy exit plan in case rates start rising due to inflation or other governmental intervention. 60-day Early Withdrawal Penalties The usual deal for a certificate of deposit (CD) is that you agree to keep your money at a bank for a fixed length of time, and the bank agrees to give you a higher interest rate in return since it allows them to… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - March 2, 2010 at 1:20 pm

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Getting Out of Debt Quickly pt 2

This is part 2 of a 4 part series on getting out of debt quickly. Make sure that you read all four parts in order to get the most out of this sequence of hints on getting yourself or your family out of the debt trap. Next you are going to want to try to consolidate all of your debt onto a single credit card with an interest rate that is lower than what your current credit cards are requiring for you to pay. By doing this you are going to be lowering your monthly payments dramatically while paying… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - at 2:20 am

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Pay Off Debt or Invest? Think About Your Rate of Return

Andrew writes in: My girlfriend and I bought a home last year and qualify for the First Time Homebuyer Credit. When you include my share of this, I will be getting back around $4500 in my tax refund. This is a lot of money to me and I’m trying to decide what to do with it. About half will go toward an engagement ring, but I’m torn between investing the other half or paying off my $2,000 in credit card debt. I currently have a very low APR on the credit card and can pay more than the minimum each… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - February 5, 2010 at 4:20 am

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How To Get A Low Interest Rate APR on Credit Card Debt

I’ve been getting a lot of stories of people struggling to get out of debt because of the recent How to Fight a Debt Collector series. They haven’t reached the point of fighting debt collectors yet and they want to keep it that way. As much as others like to malign those deep in debt, the vast majority of debtors want to make good on what they owe. If you’re in heavy credit card debt, the first thing you need to do is take stock of your financial situation and stop spending. You need to… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - November 25, 2009 at 3:20 pm

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Prosper P2P: $50 For New Lenders + Up to 2% Rebate Bonus

Prosper.com was the first big name in the person-to-person lending space. Things have been quiet recently, as they took a while getting SEC approval for their investment notes. In addition, the problems with “old” Prosper included the fact that they let just about anyone apply for a loan in the beginning, including people with horrible credit who had been basically turned down everywhere else. Many lenders thought charging a 35% interest rate was enough - it wasn’t. But as this recent Washington Post article outlines, things are picking up in the P2P space. The way I see it,… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - November 4, 2009 at 8:20 pm

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Paying off Debt in 9 Steps pt 2

Part two in the series on paying off debt: Throwing away your bills and shredding your credit card payment reminders simply is not going to make the problem go away. Debt is going to hover over you until you find a way to deal with it. Interest will continue to compound, and payments will continue to climb until you are in debt up to your eyeballs with no apparent way out. Luckily there is a solution - These 9 steps will have you paying debt off in no time. 3 - Now you are going to want to cash… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - October 29, 2009 at 1:20 am

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