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    Zeroing in on 0 balance transfer credit cards

     

    Have you lost count of the number of credit cards you hold? Is your doormat covered each morning in envelopes from companies you have lost track of? Then you need to look at putting all your credit card debts in one place. If you can transfer your debt to one credit card offering a 0% rate of interest for an introductory period, then even better. Rest assured that if this sounds familiar, you are not alone. Anyone with a half decent credit history receives numerous invitations to become what is often called a 'rate tart' - transferring balances between cards to take advantage of lower rates of interest. This can be a tempting prospect, especially when the introductory rates are 0% for a limited time period. But there is often more to these 0% deals than first meets the eye. Get your debts in order with a 0% balance transfer credit card It is tempting to run up debts on different credit cards. Having a wallet or purse full of credit cards can make you feel wealthy. But beware - the more credit cards and store cards you collect the harder it is to keep track of them. Monitoring the range of interest rates, minimum payments required and payment dates can eat into your valuable spare time. If you miss payments, the penalty fees are up to Ј12 a time. The solution is to transfer balances on the cards to one account, minimising the interest rate and administration. Why pay interest on your debts when you can get if for free Transferring the balances on your credit and store cards to one account helps you manage your debts more easily. And if you find the interest rate you pay, commonly known as your annualised percentage rate (APR), is rising, then just transfer your balance to another card. So how do I choose a card? Without a doubt, paying 0% interest is a lot better than paying the high interest rates charged on some cards, which can sometimes be as high as 29.9%. The variety of interest rates on credit cards can be staggering. The introductory 0% rate is often offered for between six to 12 months on balance transfers, and sometimes it is just on any new purchases you make with the card. Sometimes it is even on both!. While you might pay zero interest on the balance transfer, one pitfall to look out for is paying a high interest rate on any new purchases that you might make with your new card. It is always worth shopping around. Moving cards around sounds too good to be true In many ways, it is. If you do it too often then you can pop up as a high risk borrower when companies check out your credit history. You also have to take account of the length of the 0% interest rate period, and the interest rate that applies afterwards. If you fail to pay off your debt, you could be stung by a hefty interest rate when the deal expires. When is a 0% balance transfer not a free balance transfer rate Many companies are imposing switching fees now to defend themselves against rate tarts. You may have to pay a balance transfer fee of up to 3% to your new card provider in order to switch to a cheaper card. If you're heavily in debt, therefore, it may make sense to consider credit cards that offer low interest rates 'for life' Transferring your credit card balance is a solution, not a cure Putting all your credit card debt on one card is not a long term solution. If you cannot clear your balance each month then you should plan to be debt-free as soon as possible, whether in six months, one year or 10. Balance transfer cards can only give you a breathing space. Your debt still has to be repaid at some stage. Five things to do before you consolidate credit cards * Compare the rate of interest you are paying on your credit cards with those available elsewhere in the market * Double-check whether the 0% interest rate applies to transfer balances, new purchases on the card, or even both * Look at the rates of interest payable after the 0% period ends and compare charges for late payment, minimum balances payable, etc with those you face with your current credit cards. * Check what penalties you will pay to your existing credit card lenders to transfer * Plan how to pay off all your debt over as short a period as possible * Stick to your budget and don't be tempted to get into more debt! What Next? As we compare all credit card providers you can find the best 0% balance transfer credit cards by look at our best buy tables here: moneyexpert/Search/Introductory-Balance-Transfer-Credit-Cards. aspx

         
    Youthful mistake provides biggest lesson of investing life

     

    How true is the saying "no pain, no gain"? Very true indeed, if you're Prapas Tonpibulsak. The chief investment officer of Ayudhya Fund Management says he learned his fair share at the schools he attended, but none offered him the sorts of lessons _ not all of them pleasant _ that the Stock Exchange of Thailand has given him. As a teenager in Chumphon, the Southern Province in Thailand, he was like many of his peers, with limited awareness of events happening around him. Even when he first arrived in Bangkok to study finance and banking at the University of the Thai Chamber of Commerce, he found life fairly convenient; his goals were indeterminate. That soon changed. As a senior student, he started to become curious about what he'd been reading about the stock market. He started to get ideas. Just two weeks before the 1987 Black Monday, he borrowed his parents' money and put it all in the stock market. The outcome: he kissed all the money goodbye. "Well, if you ask how much money I lost back then, I would say the value equal to four Mercedes-Benzes, guidemoney. info/Mercedes-Benzes. htm " he says with a grin. Though the experience was unbearably painful for a 20-year-old, in retrospect he says it was a priceless lesson. "I suddenly realised how volatile and unstable the stock market was. And how much and how deeply one needs to study it to eliminate _ or at least manage the risks. That's the hardest thing one has to do," says Mr Prapas, now 40. The personal crisis strengthened his resolve to recover his losses. This later led him to the new, and real, world of investment. He started to read everything in the field, and he found a hero in author Benjamin Graham. After completing a bachelor's degree, he pursued an MBA, guidemoney. info/MBA. htm , in finance from Wagner College in New York, where he spent most of his days in classes, his nights watching financial and investment news on television, and his weekends at Barnes & Noble bookstores looking for securities analysis books. Before long, he had a clear goal in mind. "I'd like to be financially independent at the age of 60 with 200 million Baht, approximately 5 millions US Dollar, in savings," he says hesitantly, and then he smiles. Returning to Thailand, he started as a stock analyst at Securities One for two years and another two years at One Asset Management as a fund manager. Following the 1997 crisis, he headed home to help solve problems facing his family's business. A few years later, he was back in Bangkok as a financial consultant specialising in debt restructuring at several key companies before stepping into Ayudhya Fund Management. Asked about a view on personal finance, he says, "It's something that's related to commitment and responsibilities in life, which change through an individual's life cycle. It's a matter of setting goals and setting an action plan to get there. It's the same thing as doing business." Hence, his goals have changed in relation to the changes in his life. Today, his ambition to be financially independent must also include the needs of his wife and three children. For those setting a goal for savings after a retirement, he advises working back from the future to today, by taking monthly or yearly expenses, inflation and interest rates, into account. "They need to do the mathematics to find out how much they need to save each month or invest in order to get the amount or returns they wish to have when they retire." Currently, 10% of his investment portfolio is in equity and fixed-income funds including long-term equity and retirement mutual funds, while the majority of 80% to 90% is in real estate. To accomplish his goal, his portfolio needs to generate a return of at least 12% a year. "The key, and the most important thing, is that investors need to be able to know what the risks are and manage them well," he concludes.

         
    Your will is the core of estate planning

     

    An estate plan is a legal system for the disposal of your property upon your death. It recognizes your wishes, such as those regarding the care of minors, and it legally minimizes taxes. It can take into account your views regarding future medical care; for example, it may state you have no wish to have your life sustained by a life support machine. Estate planning may or may not involve tax planning. The single most important document associated with estate planning is a will. If you own property, there are basic questions which need to be answered upon your death. If these answers are not set out in the form of a will, then the courts have the right to decide what happens to your assets. The end result may well coincide with your wishes, but often it will not. If you have children, then you will need to make clear your wishes about their guardianship in the event of your untimely death. Who should inherit your personal belongings? Do you have any special bequests? Do you have anyone you wish to exclude from your will that would automatically inherit as a result of the law of succession? If you die without a will you are said to die "intestate," and others have the right to say what happens to your assets. The value of your estate will be substantially reduced, as professionals such as accountants and lawyers will argue as to what the law of succession means. Many people feel that they need to be old or wealthy to have a will. However, this is a misconception. How does anyone know when he or she will die? You may have wealth that you are not considering. Have you correctly evaluated the insurance and assurance policies that you hold? Perhaps you have intellectual property, for instance, copyrights. Or you may have latent wealth bequeathed to you in another person's will. You need to consider all your assets whether you are young or old, wealthy or not. The earlier in life that you make a will, the easier it is for you to review and change your plans. As your life evolves, the expectations change for the different stages of your life. Death for the survivors is a traumatic, emotional experience, but a will makes it easier to cope. Wills are a valid legal document, but they are not written in stone. Circumstances change during the course of your life, and a codicil can be added to a will to reflect your changes. Once you have your will, it is possible to make decisions regarding other matters, in particular, trust funds, taxes, and the costs of probate. Probate oversees the transfer of your assets. Probate is the legal process of proving a will, appointing an executor, and settling you estate according to your wishes; but by custom, it has come to be understood as the legal process whereby a dead person's estate is administered and distributed. Probate costs and taxes can diminish the assets passed on to your beneficiaries. You may want to consider setting up trusts to minimize your probate costs and tax liabilities in order to maximize your bequeathed assets. Trusts can avoid probate, but they also can be used as an instrument to transfer assets while you are still alive. Whether you want just a simple will or a will, codicils, and trusts, the time to plan the disposal of your estate is now. It is a mistake to delay your estate planning in this uncertain world. Take care of your planning now to assert and safeguard your own decisions about your assets.

         
    Your very own all in one bank account

     

    Opening that first bank account is really something else. Few things can compare to the thrill of getting that first passbook. Many of you will agree that it probably marked your independence as well as opened your eyes to financial freedom. Most often, people are in the habit of opening bank accounts in those banks which have been doing business with their parents for years. No worries there, if they are satisfied with the services of their choice of financial institution. The safety of your money is secured. However, there is a big possibility that their bank might not be offering new and better services that other companies now offer. Smaller, conservative banks do not often introduce new services or options to their clients. This is the day and age of bank accounts to suit the needs of different people. As the demand from consumers increase, institutions are coming up with ways to be more competitive. For the old-fashioned account seeker, it makes sense to go in for an interest earning checking account which encourages savings. Another is the savings and insurance account for those who wish to protect themselves with an accident insurance, all the while earning interest. The time deposit now enables you to transfer the interests on a monthly basis, to your specified bank account. With the rise of newer and newer requirements and lifestyles everyday, banks have to ensure that they appeal to customers daily. Whatever bank account you choose, and whatever services you wish to avail, there are various things that must be considered before making a decision. - Are you looking for an account that will earn a huge interest? A savings account might be just the thing. Whilst keeping your money secure, you're earning off of your savings. Savings accounts are also coupled with ATM/Debit cards which you can use to purchase from online stores, restaurants and grocery stores. And whenever you need money, you can rush off to the nearest ATM machine and withdraw some. - Are you looking for an account that will enable you to pay for utilities? A checking account could be the answer to your prayers. All lending institutions as well as utility service providers accept checks as payments. Checks are as good as cash - you don't even have to worry about sending it via mail. However, most banks do not offer interest for checking accounts, and even charge for the services. - Do you want your money to earn without gambling it? You would benefit a great deal if you made use of the time deposit service. It is just a matter of choosing the institution with the highest interest rates, as well as the terms in which you can withdraw you money. A rolling time deposit gives you free reign to your money, all the while letting you cash in on interests. You are not limited to just one option. Just take out the time to talk to your bank and ask about their new services or promos. Discovering the ideal bank account may just be as easy as pie.

         
    Your options when it comes to mortgage protection

     

    It is easy to get complacent after buying the home of your dreams. Finally, you have the one thing that you have always wanted and is now truly yours, when you have paid off the mortgage that is! There is nothing more you could ask for! Well, that is what the majority of individuals think anyway, but this is not the case. It is the redemption of the mortgage that may pose a problem for an individual who has lost his job owing to the company going bankrupt, selling to a larger company or relocating, to name but a few reasons why so many businesses are laying off staff at the moment. Mortgage protection could make the heartache of losing your job end there. Without mortgage protection, you may face the agony of losing your home too. There is no room for complacency when an individual has an outstanding mortgage, and sadly some mortgage protection providers will recognise that and aim to sell a policy that may not necessarily meet all of his or her needs, so it is up to the individual homeowner to look into all of his or her options before deciding on the one that may suit them best. High street lenders have monopolised the market in the recent past, which has led to some poor value products being placed on sale, and it is this sort of mortgage protection that individuals have to be prepared for. These mortgage protection policies may seem quite appealing at first glance, but if an individual takes the time to read into the policy then they may not be of the same opinions afterwards. Exploring high street mortgage protection is a good start, but it is necessary to assess your own wants and needs first. Mortgage protection can often be tailored to meet your individual needs. However, if you are not entirely sure what they are then it is easy to choose the wrong options for you. In this case, fixed policies that offer generic cover may be a good place to start in terms of research. You should then begin to look at standalone mortgage cover and see if it is any better for you. Only after weighing up the various mortgage protection options available can you make an informed decision.

         
    Your mortgage time to switch

     

    Would you like to save money on your mortgage? Over 50% of homebuyers are wasting money by paying over the odds for their mortgage every month. This is normally due to the fact that they’re paying their lender’s standard variable mortgage rate. These standard variable rates are frequently 2 percentage points higher than lots of the best market deals, so the simplest way of saving money is to switch deals. If someone has a Ј100,000 loan and switches from a standard variable rate, there will be a saving of around Ј1000 per year for each one percentage point in the interest rate. As the difference is often 2%, this would save Ј2000 every year. Contrary to common belief, remortgaging is relatively easy and hassle-free. More and more lenders are specializing in re-mortgage packages and frequently offer fee-free deals with legal fees thrown in. The whole thing is normally completed in around six weeks. Re-mortgaging is not simply to do with the money saving side of things; you can also make use of some of the equity which has been built in the value of your property. Borrowing via your mortgage is much cheaper than doing so through a personal loan. If you’re already a buy-to-let investor, re-mortgaging is a way to fund extensions, alterations or repairs. If your equity in the property has built up sufficiently, it may be possible to re-mortgage and use the proceeds to build up your property portfolio. If your re-mortgaging requirements are modest, it is best to go for a free-switching loan, where the mortgage provider pays your valuation, arrangements and even legal fees. Once you are borrowing is way over the Ј100,000 mark, then it would probably be best to go for the very best rates, even if you pay your own expenses. The savings are going to make it worth-while. Lenders are looking for ways of extending their range of services and there is a lot of competition in the remortgaging market. As an example of this, the introduction of a flexible mortgage is an interesting development. They may well be a help to self-employed borrowers, offering them more control of their mortgage and the ability to under and over-pay to fit in with their varying business circumstances. Money earmarked for the VAT or the Revenue can be used to reduce the interest on the mortgage until the time comes when the money is actually needed. This type of loan is also useful if you need to reduce or suspend payments at time, say during a career break or for family commitments. It’s possible for flexible mortgages to include banking facilities, so you can use a cheque book or credit card or make direct debits in the same way as with a bank account. There’s a wide choice of home loans – some 4,000 different ones, from over 100 lenders. Because of this, it’s really important to take some advice from some-one who knows and understands the whole market. The most simple and sensible way to do this is via an internet broker. A broker has access to the very latest and most up to date deals and will search the market to find the right deal to suit your circumstances. You’ll get the very best deals, with a minimum of fuss and form-filling. We think you’ll find it rewarding – why not get on-line today and check it out?

         
    Your investment goals are important to successful investments

     

    Many investors are ignorant when they are new to investing. When starting out, they just only want to jump right in. Sadly, not many of them are successful. It will be wise to realize that realistically all of these investments are full of risks - the danger of having your money fly away is very real! Surely, any kind of investing will require you to have some skills. It is prudent, before you start investing, to get as much information as possible about the subject of investing. You need to know how the market really works. In addition, you also need to lay out your investment goals. Do you know what you really want to achieve by investing? For example, your goal may be to be able to provide for your child's college education, to buy a new house, to go on a vacation, or you may want to build some funds for your retirement. So, before you start investing your money, it is good if you would consider what goals you want to target at with your investment. With your goal clearly in your mind, you will be in a better position to make more intelligent decisions! Frequently, many people want to invest with a hope to be rich overnight. This is not totally impossible - but it seldom happens. So, don’t count on it. It is a very bad idea to start investing aiming to get rich overnight. Instead, a safer approach is to plan to invest in such a way that will enable your money to grow over time slowly. When you have achieved your target, you'll be able to use the returns on your investments for your child’s education or for whatever you have planned to do. However, if you want to be rich quickly with your investments, then you may want to look into short term, high-yield investing. Get all the information you can get about this type of investments before you begin. Before making your investments, it is better to consult with a well qualified financial planner. He or she should be able to advise and help you in your choice of the type of investment you can go into with the financial goals you've set in mind. He or she should be able to give you an idea of the kind of realistic returns you can expect from your investment and when you can expect to reach your financial goals. Investing is much more than just contacting your investment broker and giving him or her instructions on which stocks or bonds to buy or sell. In order to be successful and achieve returns from your investments that you can be happy about, you’ll need to do some research and have some understanding about the market.

         
    Your house for money

     

    You need money. You need it badly. At 65, however, you don't have the stamina to stomach the inconvenience a long-term loan would require. So, what do you do? You tap into the value of your home and convert it into cash! This is possible through reverse mortgage. Reverse mortgage lenders let you borrow money against your own property. Why go to a reverse mortgage lender and not a bank? We asked people who have been to their reverse mortgage lenders, and these are the reasons they gave. 1. You do not need to pay back the loan UNLESS you decide to sell your house, change address, or - inconveniently for you and your reverse mortgage lender - die. 2. Release of the loan is not based on credit history. What is it based on then? The equity of your home is one factor, but there are also a host of others. 3. Payments, or non-payment for that matter, to your reverse mortgage lenders would not affect your Social Security, Medicare, or pension benefits. 4. Payments and loan amounts are tax-free. 5. You are given flexible options in receiving your loan. Reverse mortgage lenders could give you your money in a lump sum, in monthly installments, as a line of credit, or as a combination of the three methods. How does one qualify for a reverse mortgage? Can anyone just call any reverse mortgage lender in the phonebook, and borrow against his or her own house? The answer is no. Reverse mortgage lenders wouldn't touch you with a ten-inch pole unless you pass the following criteria: 1. You must be 62 years or older. 2. You must own your residence. This could be a house, condominium, or a townhouse. Additionally, this property should be listed as your primary residence. If you are co-op owner, you are not eligible. 3. Most reverse mortgage lenders require that there's no other debt against the home. Before you see any reverse mortgage lender, however, you should be aware of the following: 1. Aside from house equity, other factors reverse mortgage lenders consider are the age of the borrower, interest rates, and the loan fees. 2. Reverse mortgage lenders often give high costs to cover origination fees and closing costs. 3. Even with the help of a loan from your reverse mortgage lender, you will still be the one to keep paying for your property taxes, insurance and general housekeeping of your property. 4. Your collateral is your house. If you don't give up the title or deed of the home at any point, the loan amount can never exceed your home value. The principle behind reverse mortgage is simple. It treats your house as a valuable commodity, one with parts you could make money out of if you so choose. It gives you an alternative to the usual loans banks offer. Reverse mortgage might not always be the best solution to your cash woes. Still, there's peace of mind that comes from knowing you could always run to a reverse mortgage lender should the need for one ever arise.

         
    Your horse racing software could be your ticket to financial freedom

     

    Like everyone else, you’re probably looking for an easy way to make a buck or two. Well, with any luck, you won’t have to look any further. When Money Is Always Tight The lure of the horse racing software is so irresistible, but you have no choice but to scour online sites with the best offer. That's what lack of money can do to you. It could be a curse and a blessing at the same time. You can't afford to waste your money on possible scams, so you have to be very careful when making a selection from a cornucopia of offers. Being short on money can be a pain in the neck, especially if you know that you have all the chances of making it big-time on the horse races. Scout for the possibilities and the resources to get yourself a smart horse racing software. The idea of chipping in resources with a like-minded co-worker can jumpstart a business on the side that will earn both of you a second income that is tax-free. Or you can save up your pennies, plead with your boss to give you a salary increase, or borrow your girlfriend's money with the promise of a diamond ring in the offing. What counts is investing in the right software that'll get you out of your present financial predicament. A one-time investment on the right horse racing software will go a long way to revive your limp bankroll. Your ingenuity should be activated at this point. Money maybe tight but this should not deter you from taking a chance. Coast the Net When shopping for the horse racing software that won't let you down, don't rush. Look for the company that offers a money-back guarantee. Some sites selling the software are mum about returning your money simply because they don't have the edge other software offers - reliability, flexibility, and up-to-the-minute customer service. In the graded forums, there will some discussions on horse racing software. Evaluate the information and don't go for everything hook, line and sinker. If the forum is inundated with complaints about a software, look elsewhere. One thing you should watch out for is software packed with tools and can provide market information, as well as the indicators to help you make your decisions up front. With such a remarkable software, you'll have more opportunities than just making winning bets. Make Your Software Earn Money Before you launch your horse racing software, you have to understand the technology behind it. Read the manual carefully several times until you see the light at the end of the tunnel. If there are some gray areas, request assistance from the site administrator and the people behind the site can walk you through the installation and management of the software. With time and practice, you will gain the confidence in using the horse racing software. Later, you can start a career as a horse racing pundit or become the neighborhood bookie. Imagine revenues coming from your own winning bets and the money from the bets you place in your book. As you gain more winning strikes, so will your bankroll and the number of offline customers.

         
    Your home insurance and making a claim

     

    When an individual takes out a home insurance policy, he or she will usually think that they are wasting their money. Most home insurance policies are only taken out of habit and that niggling doubt at the back of the mind that if home insurance is left to lapse then something will almost certainly happen. The course of life is never smooth and things will go wrong, but at least with home insurance you can make a claim. Homeowners insurance claims, however, are nowhere near as straightforward as they sound and so this is your guide to making a claim. The first thing you should do when taking out home insurance is to make a home inventory. A home inventory is essentially a list detailing all of your belongings. Whilst this may sound like a hassle to compile, it can be a vital aid if your house is destroyed in a flood or a fire, or even if it is burgled. It is the only sure fire way to keep track of what you own. An inventory should be kept up to date at all times so that you are prepared for the worst from the start. A list with all of the necessary facts is only the basic beginning of an inventory. You should also take pictures or a video, keep receipts and store them all in a safe deposit box away from your home. This will help no end if you do need to make a homeowner’s insurance claim because there is no way that you will remember all of the details otherwise. The first step in making a homeowners insurance claim is actually filling in the necessary paperwork. You will need to obtain the form direct from the company and fill it in completely or else it will be returned to you. They will ask for complete details of any items damaged, destroyed or lost. This includes but is not limited to brand, price, age and description. The form is a legal document and so only the facts should be documented on it, rather than speculation. If need be, the specifics can be determined by experts. Home insurance companies will often need proof of any items lost or damaged when making a homeowners insurance claim these days as a result of the rise in home insurance fraud in recent years. This actually costs home insurance companies millions of pounds every year and makes it a lot more difficult for genuine homeowner insurance claims to get through the system. If a household item is damaged, an oven for example, the company may insist that an agent comes into your home to assess the damage to make sure that your claim is valid. As a result, your claim may take up to a month to resolve so be prepared for a wait. Once homeowners insurance claims are settled, payment can come through in a few days because it is only the actual paperwork that takes time. As long as you deal with your claim in a logical way and contact the home insurance company if you have any queries then you shouldn’t have a problem. Just be honest with home insurance companies and you will not go far wrong.

         
    Your home improvement loan

     

    When you need cash, you borrow some from a bank or any other lending institution. These days it’s a little bit more complicated than before. There are personal loans, secured loans, credit loan, car purchase plans, and home improvement loans, flexible loans, all of which are available from a wide range of lenders and at dramatically different interest rates. Home improvement loans will provide you with a dependable groundwork to build on the home you have been dreaming of home improvement loans play a very important function when your financial position is tight and you want Home improvement to be done. Home improvement loans are functional for any kind of improvement or home extension. Home improvement loan can be availed for double glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. The cost of home improvements is generally paid by savings or revolving credits like credit or store cards. Credit cards imply no borrowing. In many ways it is idyllic for there are no repayments to be made. But credit cards can be an expensive option especially if the borrowing extends beyond the credit limit. So in every circumstance a personal loan for home improvement is a more disciplined and cheaper option. Few important tips before you apply for home improvement loan:- Spring is the perfect time to start home improvement projects and interest rates make home equity loans attractive, but don’t commit to anything until you’ve done a proper investigation first. Home improvement loan can add value to your house; however, some improvements pay off more than others. A few facts have to be kept in mind before you decide how much to spend and what part of your house be spend on. Renovation of your kitchen can add up to 150 % of the cost of the project to your home’s resale value. If you add second bathroom your resale value will increase by 90 percent of the project cost, and an addition of room, such as a family room or an extra bedroom, provides a 60 to 80 percent return. Few other improvements, such as new windows and doors or replacing the cooling or heating system, may be practical but they don't necessarily translate into resale profits. So in every circumstance a personal loan for home improvement is a more disciplined and cheaper option. A few important tips to keep in mind before you apply for home improvement loan: Spring is the perfect time to start home improvement projects and interest rates make home improvement loans attractive, but don’t commit to anything until you’ve done a proper investigation first. Other home improvement loan options: Home equity lines of credit — a variable rate line of credit with the ability to lock in up to three fixed rates. Home equity loans — a fixed rate loan using the equity in your home for those large home improvement projects. Personal line of credit — this revolving line of credit provides quick access to funds and is an intelligent alternative to using a credit card. Some lenders provide the facility of transferring an existing home improvement loan to a new loan with better interest rate and flexible repayment options. This is also known as refinance of home improvement loan. Some lenders also have insurance cover for their loan through payment protection plan, thereby securing the loan for the borrower and making him stress free from the financial burden. So remember to compare, choose and save! For your best suiting option, before closing down the home improvement loan deal, visit us online.

         
    Your guide to the home insurance quote

     

    We effectively live in a society without loyalty. No longer do we remain loyal to a company year after year if we can get a better deal elsewhere. The latest trend when it comes to every consumer item from financial services to holidays is shopping around for the best deal. That may mean a more favourable package or a cheaper product but it has never been easier to fulfil all of our individual needs as a result. We have the advantage that previous generations had to live without and we should make the most of it, and that includes our home insurance policies. It is simple to obtain home insurance quotes and to check out the deals so that you can get the best possible one for you. You will soon come to realise what a wonderful thing the home insurance quote actually is. However, they can be a little difficult to understand without obtaining a little guidance. Firstly, you have to learn to distinguish the types of home insurance quotes that you can actually get. There are two distinct types – simple and full. The simple quote is effectively an online homeowners insurance quote that you can complete within a few minutes. There are no probing questions and no credit checks involved. It just asks, age, location, type of home and amount of cover you want. This home insurance quote cannot be taken as gospel. Usually the rough estimate is in the same ballpark as the final quote, but as it doesn’t take extensive and essential factors into consideration, it should only be taken as a guide. The full home insurance quote does take every factor into consideration, from credit check to a detail description of the inhabitants. It can be taken as gospel, but even that will be subject to change because prices of home insurance can vary from one day to the next. A full quote will also have something that a simple online homeowners insurance quote will not – payment options. Most insurance companies will break the cost down into annual, quarterly and monthly payment options on a full home insurance quote. As a result, you will be able to tailor it to fit your budget. The Internet is perhaps the easiest way to get a quote. Online homeowners insurance quotes will ask for certain information in order to determine your price bracket. They will also give you the option of saving the quote. Most home insurance providers offer a service that allows you to create a username and password so that you can access your home insurance quote at any time and goes some way to guaranteeing the premium, as long as your perform a full quote and take the option of turning into an active policy within 7-30 days, depending on the policy of the provider. For more info see homeowners-insurance-help/Home_Contents_Insurance on Home Contents Insurance. Home insurance quotes effectively allow you to compare policies, tailor individual policies to your needs and plan ahead to make sure that the price is right. The coverage and the price does not therefore come as a shock and so it would be in your best interests to obtain an online homeowners insurance quote before settling for one policy. They remove the stress and hassle of the whole process too, which can only serve to benefit you. They are indeed wonderful things!

         
    Your fixed rate credit card could cost you more

     

    Fixed rate credit card appear like an attractive option, especially if the credit card with fixed rate of interest is set low. There are many credit card issuers who offer fixed rate credit cards, and combined with a really low introductory rate followed by a low fixed rate, it looks like the best thing to go in for. It could be, as long as the credit card with fixed rates stays that way. But that is not what happens. Banks and credit card issuers hold the right to alter this fixed rate of interest – all they have to do is provide the fixed rate credit card holder a written notice before a specific period. Make sure that you read this clause in the card agreement that you sign with the issuer. Also don’t ignore the flyers that look like promotional material that you receive with your fixed rate credit card statement – they might be a means to let you know that your credit card with fixed rates are being increased. If the market lending rates fluctuate, your fixed rate credit card issuer may just inform you that your fixed rate credit card is being converted into a variable rate card. Benefits of a fixed rate credit card What can you expect when you choose a fixed rate credit card? Your monthly repayments can be lowered, giving you better scope to reduce your debts. There are fixed rate credit cards that promise you zero annual percentage rates that appear very attractive. But no rate is fixed forever; so don’t be surprised when you realize that your annual percentage rate is higher than when you began using the card! Fixed rate credit cards are mainly beneficial because they seem stable. You feel secure when you know that your credit card with fixed rate will stay that way for a particular time. It helps you plan your personal finances according to your budget. Used with discretion, fixed rate credit cards are convenient when your aim is to maintain good credit rating and clear off your monthly dues in full. You even get perks like cash back offers, travel discounts etc. In fact when you hold a fixed rate credit card, if you have a watchful eye on your spending habits, you ought not to worry at all about whether the fixed rate credit card interest rates will go up or not.

         
    Your first home loan what you need to know

     

    So you’ve decided to buy a home. Perhaps you’re a newlywed, and you and your spouse are starry-eyed and off to pursue the American dream. Maybe you’re a disgruntled renter, tired of throwing away your hard-earned money every month. Perhaps you’re a savvy investor looking to turn a buck off the white-hot housing market. Whatever your reason, you’re ready to buy, and you’re ready to buy now. Purchasing a home can be a wonderful, weird, and intimidating experience—sometimes all at once. But by following a few simple steps, your transition from renter to buyer can be a smooth one. Give Credit Its' Due It can be pretty tempting to pick up the Sunday newspaper and search for the home of your dreams, but before you even take the rubber band off of that edition, you’ve got to get your credit in order. There are three major credit agencies who keep track of your credit record—Experian, TransUnion and Equifax. Each of them have a credit rating for you on file, and when averaged out, you’ll get your credit score. Check each of these resources independently—there are several online resources where you can purchase all three credit reports at once—and make sure to correct any inaccuracies and check for identity theft. If there are errors in any of your reports, it could take a couple of months to fix them. Know Your Limits If you’re a young, first-time homebuyer, chances are pretty good that that 5,000 square foot, eight bedroom villa on the river bluff is out of your range financially. What you need to know before moving on is exactly how much house you can afford. The general rule is to look within a price range of about 2.5 times your gross household income. For a more accurate range, you can get pre-approved by a lender. They’ll give you a better idea of the right figure by measuring your income, debt and credit. Get Down With The Down Payment Here’s the tough part: finding enough cash for a down payment along with costs associated with buying like loan fees, appraisal fees, inspection fees, legal fees and title search fees. Ouch. As a first time homebuyer, that’s no walk in the park, especially when most lenders ask for 20 percent down. Double ouch. There is hope, though. Several private and public agencies offer programs where you can pay as little as 3 percent down on a home. You might have to pay a private mortgage insurance (PMI) fee if you go this route; it protects the bank if you default on your loan. It can also add about half a percent of the loan to your yearly payments. But if you’re chomping at the bit to get into the market, it’s really not a bad deal. There are also such things called “piggyback loans” that can help you avoid PMI. These are similar to home equity loans or lines of credit for around 10 to 15 percent of the home’s price. Get The Cash. Someway, Somehow If you’re tapped out of dough, and you need some to cover a down payment or closing costs, you still have options. If you’re a first-time homebuyer, you can take up to $10,000 out of an IRA without penalty, though you will have to pay taxes on it. There’s also the old trick of begging your parents. You can receive up to $12,000 in cash from each of your parents per year without them having to pay a gift tax. Some companies will even help their employees with a down payment or with securing a low-interest loan. If you work at one of these companies, consider yourself blessed.

         
    Your first car loan what you need to know

     

    So that bucket of bolts you drove throughout high school and college has gasped its last exhaust-filled breath. It’s done. That means you’re in the market for a new car. Soon you’ll brave the treacherous world of the car lot. Be careful, it’s a jungle out there. Eager salesmen hover like vultures, ready and willing to separate you from your hard-earned cash. Once you decide on a car, you’ll then have to survive the depths of the dealership, where finance managers lurk at every corner—pen and paper in hand, waiting for you to sign on the dotted line. But don’t worry, with a little prior planning, you can get that new car without breaking the bank. First off, you need to make a decision: buy or lease? If you like to drive a car until it dies—and with today’s autos running well past the 100,000 mile mark—then you’ll probably want to buy. However, if you see yourself in a different ride every couple of years, then leasing might be the right option for you. In a lease, you’re essentially renting the car for a pre-determined amount of time (usually three years). During that time, you’ll have to keep the car in tip-top shape and only drive it for an agreed-upon amount of miles per year (usually around 15,000). After your lease is up, you can purchase the car at a residual price or start a lease on another car. Once you decide on buying or leasing, it’s time to figure out how you’re going to pay for it. First, decide how much you can afford to spend on a new car. As a good rule of thumb, many experts suggest that you spend no more than 20 percent of your net income per month on a car payment and other related auto-expenses. Next, decide how you want to pay for it. Once you’re on the lot and fall in love with your dream car, the salesperson will do everything in their power to get you to finance the car through the dealership. Auto financing is a big money industry, and car manufacturers would be remiss to not take advantage of it. Financing with the dealership is tempting, as it’s the quickest way for you to drive off the lot in your new set of wheels. But buyer beware, dealers know that buying a car can be a mentally exhausting experience, and finance departments will often add hidden fees in the paperwork for services or features you don’t want (e. g., extended warranties, service agreements, etc.). Dealerships also offer attractive financing deals like rebates or low interest rates, but many of them depend on your credit score—which you should always know before you even step foot on the lot. You can check your credit score and correct any errors by visiting equifax, experian, or transunion. If you want to be a truly empowered car buyer, then secure a loan through a bank, credit union or other lending institution before you buy. You’ll generally get a lower interest rate than what the dealership can offer you, and you’ll essentially become a “cash buyer”. This means you’ll have more negotiating power on the total price of the vehicle, lower monthly rates, and no chance of the dealerships finance department sneaking in any hidden fees into a finance contract. Most lending institutions, upon approving your loan, will give you a check that can be made out to a dealership. Negotiate the price of the car along with tax and licensing fees, and off you go. Whether you lease or buy, finance through the dealer or through a separate lending entity, always read every contract that requires your signature thoroughly. Make sure the figures in the contract are correct and that you understand all of the charges included. Also, if at any time you should feel pressured by a car salesman or lending agency, walk away. Remember, you are the buyer, therefore you have the power. Happy hunting!

         
     
         
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