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    Free Essay
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    You can get a mortgage just try good debt management

     

    Today, we believe that all people should have the same rights. The concept that the good or the good looking are more worthy than others is no longer a part of our society. Everyone, even those with bad qualities, haves the right to live side by side with those who have good qualities. The same concept has now been applied in recent years to people with bad credit. There are many who scorn people with bad credit and think they are despicable and have ruined their lives. They look down on them and don't think they deserve a second chance. There is, however, a trend today to give such people a second chance. Many financial institutions, agencies and businesses realize that this is necessary so these people can live normal lives. In this way, people who have bad credit can enjoy many of the benefits that the rest of us have. One of the main areas where this is important is in the area of home mortgages. Today, most people consider owning a home as a basic right. It certainly is an advantage that everyone would like to take advantage of. Paying rent to a landlord earns you nothing, while paying a mortgage builds equity in a home. There are also tax advantages in owning a home. But just as with any financial decision, if you have bad credit you have to do a lot of shopping to make sure you find the best possible deal for you. You have to get every rate and find out about every product before you can make the right decision about your bad credit mortgage loan. Financial institutions who lend to people with bad credit will do so only if they can get higher interest rates, larger monthly mortgage payments and a shorter tenure to the mortgage. It is up to you to find the best combination of all of these in your loan. If you have bad credit, you will expect to be working with what is known as a "sub-prime" lender. They are usually the institutions who are willing to work with people with bad credit. Just remember the following things when you are working with a sub-prime lender: A. Even though sub-prime lenders offer rates that are higher than would be offered to a person who is considered a good credit risk, there is still a lot of difference from one lender to another. B. So you can shop around for the best rate. What that basically means is that, even though you know you will be getting a bad credit loan mortgage, you can still get the best rate among all of the bad credit loan mortgages available. This can only be done if you contact as many lenders as possible and find out what their rates are. C. Pay attention to the restrictions and terms of the bad credit loan mortgage. Even if you get the best rate, if you have to make very large payments, or if it is a balloon that has to be paid off quickly, you may not be getting the best deal. D. Know about all of the fees and charges that may apply to your mortgage. You may think that you can afford the mortgage payment only to find out that there are all sorts of extra fees adn charges that boost your payment up to where you can't afford to make the payment every month. E. Understand your current credit situation. The reason you got into this bad credit situation is probably because you didn't understand credit and credit ratings. Change that right now. Make sure you understand what your credit rating is, and work on improving it by repaying your mortgage on time. F. Make up a budget of all of your expenses and eliminate unnecessary ones so you can afford to pay your mortgage. Stick to this budget once you have formulated it. Many people feel overwhelmed by the fact that their credit is in bad shape, and then they don't pay attention to doing the most important thing to fix their credit: that is, pay the bad credit loan mortgage back on time. G. Be an expert on bad credit. Get all the information you can so that you can stay one step ahead of the game and get yourself out of it!

         
    You can get a credit card

     

    Believe it or not, even if you have bad credit you will be able to get your very own credit card, albeit it would be a little bit harder than the usual. The following are tips and advice to help you get a credit card even if you have not so good credit. Apply small at first It is a good idea to initially apply for credit cards at small retail shops and stores. Usually, such small companies are a lot more open to giving creditors a chance compared to those large outlets. Once your application for a credit card is accepted, and once you make a purchase, try – as much as possible - to pay the least minimum amount each month and try to pay on or before the due date. Take note that if you pay a bit more than the minimum amount required, the interest charge you have to pay will not be as much. Do not be afraid to go to the bank It is always a good idea to go to the saving or lending institution of your choice. They could be willing to offer you your own credit card especially if your business is already theirs. If everything else fails, it is always a good idea to go for a credit card that is secured. This process requires you to maintain, open an account for savings as this will be used as a security for your credit line. The credit line that will be given to you will actually come from the percentage of your own deposit. Pay on time every time In the process of acquiring your own credit card, always remember to continuously pay for all the other bills you have, as scheduled. This saves you the effort and money of paying unnecessary interest charges, surcharges and delayed payment rates. Do not hog credit cards It is always advisable to keep not more than two credit cards. One is enough, two is too much and three is just a crowd in your wallet as well as in your head as you have to make a way to pay off any charges incurred on it. Credit cards make it easy enough to charge anything and everything. It is a temptation on plastic. Take note that having one credit card would make you an easy target for other credit card offers. Think wise and be smart Two credit cards are more than enough, with one having a lot larger credit limit and would probably come in handy for any financial emergencies. It is also best to use credit cards that come from the more generally accepted credit card companies such as Amex, MasterCard, Visa, Discover, etc. Believe it or not, there are credit cards that do not require you to pay annual fees. Use these credit cards as you will save a lot. If still denied If in case you are still denied by a lending institution, the law requires that such an institution tell you the reason why you were denied credit. Try to request for a copy of your own credit report and check for yourself what the details indicated. Overspending is not a good idea Utilize credit cards wisely. Never overspend. Use cards like you would cash, cautiously and wisely. Buy stuff you know you could afford to pay. All in all, there are a lot of cards which has an interest rate that range anywhere between eighteen percent to twenty one percent. If you have difficulty paying your monthly balance, you are probably spending more money than you could afford to pay.

         
    You and your fico score

     

    Your ability to qualify for any kind of financing - from credit cards to auto loans to mortgages, depends greatly on credit scoring. Most creditors will draw your credit report to look at your FICO score. The FICO score will be used to evaluate your qualification for a particular credit line or loan program and to calculate the applicable interest rate. Depending on their specific institutional needs, some lenders may use the highest FICO score or the middle score, or only one FICO credit score if the credit transaction is for a consumer purchase. For instance, if you were to apply for a house credit card at a department store, they would run your credit profile (with your permission, of course) to obtain a FICO score. On the assumption that the store reports to only one of the three credit bureaus – as most department stores tend to do -, then the inquiry will go only to that bureau. The store would make its decision based on only one bureau’s information, and by using only the one FICO score. The system works differently for mortgage credit. Banks report to all three credit bureaus (Experian, Equifax and Trans Union), so they would get three different FICO scores, calculated on three credit reports that the credit bureaus sent for scoring by FICO. Since there are three FICO scores, banks generally will use the middle or average FICO score. Depending on the type of financing you are seeking, whether it is for a new car, appliances, a credit card, or a home mortgage, your FICO score makes up a significant portion of the decision-making process. The FICO score will determine the premium rates you pay for insurance and the interest rate available to you on a loan. Your FICO score is usually a composite of the following: 35% of your FICO score is payment history, and the key items include frequency, severity, and most recent occurrences of non-payment — which means that all late or missed payments will hurt your FICO credit score, but missed payments of more recent dates will have bigger effect; 30% of the FICO score is credit utilization, and estimates the balance of credit accounts in relation to the maximum credit available, with revolving credit lines (usually, credit card accounts) being the most significant; 15% of FICO scores cover credit history, the number of years credit has been established (the longer, the better; and one trade credit line for 5 years will affect the FICO credit score better than 2 trade lines for 6 months); 10% of the FICO score involves type of credit, which will monitor the mix of revolving credit inquiries, but will not include inquiries with no finance rating (as an inquiry from your employer, for instance). As mentioned earlier, there are three FICO scores developed by the Fair Isaac Company – one each from the three major credit bureaus. Experian has the Experian/Fair Isaac Risk Model; Equifax has Beacon; and, Trans Union has Empirica. Consumers are likely to have a different rating with each agency, because although they all use the FICO model, each credit reporting bureau has its own set of reporting companies and there may be variations in the credit information that they send for calculation of FICO score. There are other types of FICO scores: • Application Risk Score – In this set-up, the lender uses a scoring system that includes a FICO score but also considers information extracted directly from your credit application. • Customer Risk Score – Also called “behavior scores”; here, a lender may use the scores to make credit decisions on its current customers; this score uses the FICO score and also information on your payment history with that lender. The range on your FICO score is from 300 to above 850 and would suggest a credit profile as follows: FICO score 720 and above: This is a very good FICO score, and it suggests that the risk of default on your credit is very low. If the lender should find any exceptions in your credit report, these will easily be waived and set aside; and if there are any weaknesses in underwriting your credit, your high FICO credit score favorably compensates for that weakness. FICO score 660 to 719: This is also a good FICO score, and suggests that your risk of default is low. This FICO credit score indicates that your credit history is acceptable. FICO score 620 to 659: This FICO credit score represents a degree of risk. You can qualify for 100% financing, but certain conditions may be included in the credit agreement. The credit underwriter will more than likely consider you, but will investigate further to check whether you are: recently self-employed; have high loan to value ratios; have low cash reserves; exceeding normal debt to income ratios; staying in multiple dwelling unit properties. FICO Scores below 630: Anything below 630 is a really bad FICO score. Your risk of default is very high, and you will need to present strong compensating factors to minimize credit risk before the underwriter would consider approving a loan. Some lenders may be willing to arrange 100% financing. FICO score between 619 to 585: The underwriter can consider approving a loan but that depends on the credit issues, and may also consider an applicant with no previous delinquency and lack sufficient credit. Lenders are more likely to see mortgage delinquencies if they loan money to a consumer with a FICO score below 620. FICO score between 584 to 500: You will have to explain your credit history in writing, and will need to pay off some of your debts and other payables; the underwriter may still consider you acceptable but the high risk factors should not be layered. FICO score below 500: There may some serious issues outside your control that caused the setbacks. There are individuals who do not care so much about what happens to their credit. Perhaps this is what we should call Bad Credit. This does not mean the world has ended, though, and there is still hope. The moment your credit report changes, your FICO scores will change as well. Your FICO credit score does not change from one month to the next at random, unless there has been a late recorded payment or an adverse report. While a late payment, collection or bankruptcy can be very damaging and will immediately lower your FICO scores, it takes time before you can raise your FICO scores. It is good to get in the habit of checking your credit profile every 3 to 6 months. Your credit report must contain at least one trade line over a six-month period in order for a FICO score to be generated, and must have one trade line that has been updated in the last six months also. This will insure that there is enough information — and enough recent information — to calculate a FICO score. Your FICO credit score is meant to be a measure of your creditworthiness as a borrower. In the mortgage industry, mortgage products change constantly, so if you manage your credit well you will almost certainly qualify for an advantageous home refinancing - or home purchase program. In the case of revolving credit lines, your account is reviewed periodically, and if you manage it well, you will likely be given more perks and privileges.

         
    Yes you do need a disability insurance

     

    People are often unsure whether or not they actually need disability insurance. This is a decisional problem. Considering the fact that with all those bills to be paid every month, one is often not ready to get another sum on one's head. We all go for spending only when we feel that the thing is actually needed. No doubt, the insurance comes in as a saving grace when the going gets tough in times of injury and illness, but we still have the question - is it really important? Yes, it is. It is important for nearly everyone because misfortune does not have a merit list to follow. It can fall on anyone, anytime. There is no logic to it and the weatherman can't predict the hail. So, be prepared. If you still need reasons, here are few: 1.Ask yourself if you could get seriously sick. No matter how good a shape you are in currently. There is always a chance of your getting serious sick without any initial warnings, medical or divine. So, on that count nearly everyone's case tests positive. 2.Can I suffer and accidental injury? Nearly everyone can. Even if you do not go out, and do not drive at a breakneck speed, there is still a chance of an unforeseen injury. How? Well, haven't you heard of slipping-in-the-bathroom stories? If you have, there is a good chance that some of them were true and not just excuses for escaping a lunch commitment or a day's office work. However, if you work in an industry that employs heavy machinery or makes it, your chances of accidental injury are particularly higher. And this necessitates disability insurance for you. 3.Another important question is if you can afford to self-finance your medical bills and recovery. Some can, most can't. There may be many of us who are relatively well off and can deal with it pretty much. However, there is no way one could gauge as to how serious will be ailment or injury and how much money would it require for treatment. An additional safety net means additional security. What's the harm in it? Therefore, nearly every one of us, irrespective of one's financial standing, needs an additional coverage. It is just an additional assurance that no matter how rough the weather is, there is sufficient resources tucked away to live on. This makes one live more fully, more freely and with greater freedom. So, once you get a disability insurance policy for yourself, you can take a deep breath of peace. Isn’t that wonderful?

         
    Year end tax tips for home businesses

     

    Someone recently asked me what they could do now to make tax time easier for this upcoming tax season. The best thing you can do is to think about taxes before then year ends. Most people wait until the tax filing deadline before they ask how they can reduce their income taxes. Unfortunately, once 2007 ends, there's very little you can do to minimize your taxes for 2007. To start your tax planning, you should review your income, deductions and withholdings before the year ends. Which means you need to get your bookkeeping caught up! You should use a software program, such as QuickBooks, Quicken Home and Business, or spreadsheets to keep track of your income and expenses for your business. Once you're bookkeeping is caught up... do you expect your home business to have a profit or a loss this year? If you have a profit, here are some tax planning tips to help minimize your home business taxes this year: 1. Defer your income. If you have a home based business and it looks like you'll have a good profit this year, consider invoicing your clients in January instead of December, to defer the income to next year. Or, just wait until the end of December to send invoices. Any money you receive in January will go on your 2008 tax return, not 2007. 2. Accelerate expenses. Do you need to purchase any inventory? What about supplies? Does your computer need to be replaced? If you've got a profit for 2007, consider purchasing inventory, supplies or other items that will need to be replaced soon this year to reduce your taxable profit. In addition, if you itemize your tax deductions, make sure you pay all mortgage payments, property tax, medical expenses, etc. this year, even if they aren't due 'till next year, to help increase your tax deductions for this year. 3. Contribute the maximum amount to retirement plans. As a home based business owner, you have several retirement plans to choose from. You can setup a traditional IRA, a SEP IRA, a Simple IRA, or even a 401K. The maximum contribution amounts vary based on the retirement plan, but these plans allow contributions from $4,000 up to $44,000 per year. Contributing to a retirement plan is a great way to maximize your retirement savings and to minimize your taxes at the same time. 4. Give to charity. Although charitable donations don't reduce your business income, they do reduce your taxable income if you itemize your deductions. Gifts of cash or goods are a great way to help reduce your tax bill this year. On the flip side, if you expect a larger profit next year, or if you expect to jump into a higher tax bracket next year, it's best to report as much income this year, and to defer as many expenses as possible 'till next year. Either way, year end tax planning can really help minimize your taxes. But you have to make it a point to review your taxes before the year ends. Once 2007 is gone, so are your tax planning opportunities for 2007.

         
    Year end health savings account tax strategies

     

    2007 is just around the corner, and there are several issues to consider if you currently have an Health Savings Account (HSA), or are planning on getting one in the near future. 100% of the deposit you place in your HSA is deductible on your federal income taxes. All but four states also make HSA contributions tax-deductible on state income taxes. If you are looking to reduce your 2006 tax burden and put away more money for retirement, your HSA is the first place you should put your money if you have not yet maximized your contribution. The maximum you can contribute to your HSA in 2006 is the lesser amount of your deductible, or $2,700 for singles and $5,450 for families. Individuals who are 55 or older may contribute an additional $700. Note that contribution limits are pro-rated, based on the number of complete months during the year in which you have a qualifying HSA health insurance plan. You have until April 15 (or later if you file for an extension) to make your 2006 contribution. If you do not fully fund your account for the current year, you cannot make a catch-up contribution for 2006 after this deadline. However, you can reimburse yourself in later years for qualified expenses incurred in 2006, even if you do not have the funds in your account to reimburse yourself at this time. In 2007, the maximum annual HSA contribution will go up to $2,850 for individuals and $5,650 for families. Individuals 55 or older will be allowed to contribute an additional $800. To maximize your tax benefit for 2007, it is important to have your HSA-qualified health coverage in place no later than January 1. In order to pay for a medical expense from your HSA, it must be a qualified expense. Some of these qualified expenses include dental expenses, eyeglasses, chiropractic visits, over-the-counter medications, and sometimes even nutritional supplements. Now is a good time to make sure you have an accurate record of your medical expenses for the year. Make sure you separate the expenses for which you have reimbursed yourself from your HSA from those that you paid for out-of-pocket. You'll want to keep receipts for all medical expenditures paid from your HSA with your 2006 tax records. Place the "non-reimbursed medical expenses" in a separate file, keeping them with the concurrent year's tax records in whatever year you decide to reimburse yourself. The penalty for over-funding your HSA is a whopping 6%. You have until April 15, 2007 to withdraw excess funds for the 2006 tax year to avoid the penalty. Your HSA administrator may notify you of any over-funding, but they are under no obligation to do so. It is your responsibility, so make sure you check into this if you think your may have over-funded you account. The minimum deductible for HSA-compatible health insurance plans in 2006 was $1,050 for individuals and $2,100 for families. In 2007 this will increase to $1,100 for individuals and $2,200 for families. If you currently have an HSA-qualified plan with the lowest eligible 2006 deductible, that deductible will automatically go up on January 1 to the new minimum. Strategies to Maximize Your Tax Benefits There are basically three different strategies you can take when deciding how to fund your health savings account. 1. Put no money in the account, except when you incur a medical expense. This strategy allows you to legally "launder" any money used to pay medical expenses. In other words, by depositing money into your HSA, then immediately withdrawing it to reimburse yourself for medical expenses, you are making your medical expenses all tax-deductible. You may want to use this strategy if you are on a tight budget and want to keep your cash outlay as low as possible. 2. Fully fund the account, or at least put in as much as possible based on your budget. Take money out of the account any time medical expenses are incurred, and let the rest grow tax-deferred. This strategy will maximize your tax deduction, while making your HSA funds available to pay any non-covered medical expenses before your deductible is met. 3. Fully fund the account, but pay all medical expenses from a non-HSA account. Reimburse yourself for medical expenses at a later date. This strategy will allow you to maximize your tax deduction, and will also allow you to maximize the tax-deferred growth of your HSA. You can then reimburse yourself, tax-free, at any time in the future for medical expenses incurred over the ensuing years. To maximize the potential growth of your funds, you may want to make your 2007 deposits as early in the year as possible. Any growth in your account is tax-deferred, like an IRA. If possible, you should plan to make your deposit the first week in January.

         
    Would you benefit from taking out mortgage cover

     

    As your monthly mortgage repayments are your biggest outgoing each month you would be wise to do everything in your best interests to protect your finances in the future. Providing that your circumstances meet those of a policy then taking out mortgage cover might be your best option to safeguard against the possibility that you might lose your income and subsequently be unable to meet your mortgage repayments. Mortgage cover - or mortgage payment protection insurance cover as it is also sold under - is taken out by those who have mortgage repayments to keep up and who are in full time work. If you were to come out of work and lose your income then you are at risk of losing your home if you cannot continue to meet your mortgage repayments. Providing your circumstances are right for a mortgage insurance policy then this could be your lifeline and give you peace of mind. When taken out correctly mortgage cover can provide you with a monthly income each month, after you have been out of work for at least 30 days and would continue for up to 12 months in the majority of cases although some providers extend this to 24 months. A specialist provider is always the easiest way to get several quotes so that you can ensure you get the cheapest whilst obtaining a quality product, but you do have to do a little of the work yourself and make sure that the exclusions wont stop you from claiming. Some of the common exclusions include being retired, self-employed, only in part time work or suffering from a pre-existing medical condition. Some of the most common reasons for people coming off work are also excluded by most mortgage cover insurance policies such as back problems and problems relating to stress, so always ensure you read the small print before taking out mortgage cover.

         
    Would be eligible for a home repair loan

     

    No matter how much you love your home there will always be additions and improvements that will occur to you and repair work that needs to be done. Does your kitchen need some extra cabinets? Would you like some more space in your living room? Is that crack in the bathroom floor getting worse? Is it time the roof was replaced? Whatever the task, it seems there is no end to the home improvements and decorating, necessary or otherwise, that you can take on. If you are short on capital for your chosen project you could consider home improvement financing to help you out with the additions or renovations to your home. Loan terms can vary to suit the circumstances of individual borrowers, but generally the repayments can be made monthly or quarterly, over a period of five to ten years. Like any loan, the longer the period you take to repay your home financing loan, the more interest you will pay. For some it may be tempting to try to do the renovation or home repair work on a budget to avoid taking out a loan. This may involve using cheaper materials and fixtures, or doing a lot of the work yourself. You should bear in mind, however, that the home improvements will make a difference to the value of your home, and a professional job done with quality materials may add greater value to your property than an amateur job done yourself. By all means take on a lot of the tasks yourself to reduce costs, but be sure to employ a professional for more difficult jobs if you don’t have the necessary experience. A home financing loan can be expensive when you look add up the interest, and it may seem more sensible to save up until you can afford to pay for your home improvements outright. On the other hand, taking a home improvement loan means you have the luxury of living in your newly renovated home while you pay off the debt. You will also find renovating is somewhat cheaper now than in five years time when you have saved enough to pay for the work. When seeking home improvement financing with the best terms and lowest interest rate, you should compare quotes from a number of different providers. You can obtain loans from banks, loan companies and society cooperatives. They will take into account your financial circumstances including the amount of equity in your property, your credit rating, how well you keep up your mortgage payments, other outstanding loans, and your monthly income level. Every company has its own rules and standards but it is a good idea to make sure your financial affairs are in order before you apply for a home improvement loan. Although it may be tempting to choose the provider with the lowest interest rate, do check the credibility and the legality of the provider before you take out a loan. Make sure you have a detailed plan outlining the home improvement project you intend to use the loan for and how much value you expect it to add to your property. This may increase the confidence of the provider and ensure a lower interest rate.

         
    Would a 0 apr interest help you with debt consolidation

     

    One thing that never helps you to pay off that debt is the high interest on some of those credit cards. In fact, when you actually calculate it, you find that it will take a long time – just because of the interest. Interest payments eat up your money stretching out your indebtedness. A new credit card, however, with balance transfer options and 0% APR interest, may be a quick solution to your needs for debt consolidation. A balance transfer credit card can be a great help in reducing your debt quickly. The thing that makes it take so long to pay down that debt is the interest payments, and the late fees. This is especially true if your credit cards are high interest - which is often the case. You can take much of your current credit card debt, and consolidate it to one card - with 0% APR interest. These credit cards can give you up to 15 months to make interest-free payments on amounts you transfer to them. By consolidating your credit card debt to one of these, you could greatly reduce your debt - and maybe even pay it all off in that time. The goal with this, of course, is not to max out those other credit cards now that you have transferred your debt to the new card. In order to find the balance transfer credit card you need, you will first have to make sure your credit score is good. This means that you need to look over your credit report and check it for errors, and make corrections as needed. It will take a month or two, though, for these changes to show up on your credit report. Another important thing is to reduce extra debt beforehand – if you can. Having too many credit cards will also hurt your credit score, if you do not have enough income to offset the ratio. Look over the introductory offer to make sure how much time is connected to the balance transfers. There may be more than one different time period in connection with the special offer. Some credit cards will actually give you the 0% APR for the life of the transfer – that is tremendous if you can get it. It will save you a lot of money. Also, see if there is any fee for this kind of transaction - some cards may charge up to 4%, and others will do it for free. Once you have the credit card you need for your debt consolidation, it is important to make sure you pay this bill on time. Some companies will actually take away the benefits of your card and put you into a high interest category (possibly 29%) if you are late with just one payment, or do not pay the minimum amount. Since this would immediately cause you to lose the benefits of your debt consolidation on this credit card, make sure you pay on time. Debt consolidation with 0% APR interest is a great opportunity to get a fresh start with your finances. Look around for a card that gives you the most benefits and has a low interest rate after the introductory offer expires. The benefits do vary and you want a good one - but you will have to shop around for it. Be sure to read the small print, too.

         
    Working with your home s equity

     

    It is essential for any homeowner to understand how their home equity falls into place in their financial situation. Simply put, home equity is how much of the house that you own. Specifically, it is the estimated value of the house after the outstanding mortgage is removed from the equation. This is all well and good, but you are probably wondering how this can actually help you. Well, it can, and you should be ready to make the most of any option that comes your way. Knowing your home equity and understanding how it plays into your life is important because it acts as a secret safety net for your well being. If you are in a terrible position and fall into a significant amount of debt, you may feel that there is no way out. If things continue to get worse you can easily default on your mortgage and lose everything that you worked so hard to get. How is it your safety net though? It acts as your safety net by providing a solid source of collateral that is always growing in the background. Each payment you make on the mortgage will raise your equity. Each dollar you spend on improving your house should hopefully increase the equity as well, if you know what you're doing. In the end, you should have a decent amount of equity built up to take a second mortgage on your house in a time of extreme debt. A home equity loan can come in two different forms. The standard loan just gives you a lump sum of money with the amount based on how much equity you currently have. You then have a second set of payment to make, but the money you have should hopefully let you turn things around and start new. The other form is a home equity line of credit (HELOC), where your equity would simply stand as collateral for future borrowing. It effectively stands as a well supported credit card. You can borrow against the balance that you have and the interest rate will shift according to the market conditions. It gives you a lot more flexibility through hard times, but it isn't always the best solution depending on what other financial problems you have. As you can see, your home equity is a very important aspect to your financial life. It just stands for how much you have paid towards your home and how much the value has increased in the face of the housing market. You should also view your home equity as a little source of pride. It is the slow building up of your life. It is how much you have tangibly gained. You won't officially own the house for a long time, but you own a part of it. Because of this, you should remember that you do have something as long as you have a mortgage. The equity can serve as funding for any loan that you may need during a rough time so that you can pull yourself out of debt. It is better to use up your home equity than lose the whole house.

         
    Working out the total cost of a loan

     

    When you are looking for a loan, you need to compare loans by working out the total cost of repaying the loan. Although many web sites allow you to compare the APR costs, working out the real total cost of a loan is a little more complicated. However, it is important that you do this so that you can budget accurately and also so that you can find the best deal for your needs. Estimating the total cost The quickest and easiest way to estimate the total cost is to multiply the total amount borrowed by the APR, and then multiply this by the number of years. For example, if you borrow Ј10,000 and the APR is 10% for 5 years, then 10000 times 0.10 times 5 equals Ј5000. This is the interest you will pay, so add this to the total amount borrowed and then you know to borrow Ј10,000 for 5 years at 10% costs you Ј15,000 in total. Of course, this is only an estimate and will be higher than the actual amount as interest payments are reduced as you pay off the amount. Other costs There are obviously other costs to add to this total amount, such as loan processing fees, payment protection insurance and any other fees you need to buy to set up the loan. Add these to the total cost mentioned before and you have the total that you need to pay back over the loan term. TAR If you are discussing the total cost of the loan with your lender, then ask them to give you the TAR. This stands for Total Amount Repayable, and will let you know the total you have to pay back during the loan term. The difference between the amount borrowed and the TAR will tell you how much the loan is costing. A smaller difference between these two numbers means a better deal for you. APR As well as knowing the TAR, you should work out how much you need to repay each month. To do this, divide the TAR by the total loan term in months. For example, if you were paying back Ј14,400 over 12 years, then you will pay back about Ј100 a month (14,400 divided by 144 months). Of course, this is also an estimate as the TAR amount you have calculated is an estimate. To get the exact amount, ask the lender. Adding penalty costs When working out the total cost of a loan, you should budget into the equation some penalty fees. Although you might never pay any of these fees, to allow for a few late payments will help you to be prepared in case. It may also help you to decide between two similar loans, depending on the amount they charge for penalties and late fees. If you are unsure, seek advice If you are looking for a loan and are still unsure how much you will need to pay back over the whole term, then consult an independent financial advisor, who can help you work out how much you are paying for each loan, and which is the best deal.

         
    Working out a problem remortgage

     

    A problem mortgage occurs when payments are not made on time or due to late mortgage payments. A problem mortgage is something a homeowner should try to avoid at all costs. Falling behind on a mortgage can be a very devastating thing. Falling too far behind can mean foreclosure and the loss of the home. Dealing with a problem mortgage is the only way to protect a home from foreclosure. If a person falls behind on their mortgage there are some very important things they should do. Doing these things can help a person save their home and their credit. An important thing to do when mortgage problems arise is to speak with the lender. Keeping the lines of communication open is the best possible thing to do. In this situation many people tend to avoid their lender. They are embarrassed or afraid of what might happen. The truth is that lenders do not really want the home because they are not in the real estate business they are in the money business. So they will do everything possible to ensure they get their money from you directly, not through repossession. Lenders are willing to work with you, but you have to contact them. Explain the situation and they may be able to work out something to make it easier for you to pay up the mortgage and end the problems. Calling the lender should be done with a plan in mind. The home owner should know their financial situations current condition. They should be able to explain why there are mortgage problems and how they are going to handle the situation. All of this information should be ready so the situation can be fully explained to the lender. It is also good to keep in mind that the lender may come up with their own options or ideas to help you. Sometimes the lender may be unwilling to work with a home owner due to a variety of reasons. If this is the case then it may be smart to contact a financial specialist who may be able to help or may be able to speak with the lender and get them to reconsider. In order to get a problem mortgage handled without falling further behind, the home owner will have to pay as much as they can afford during the process of trying to fix the problems. The home owner has to make up for the back payments as well as stay current. The bottom line about a problem mortgage is that it is the homeowners responsibility to fix it. If the home owner is responsible and takes charge of the problem mortgage situation then fixing the situation should not be too big of a hassle. It is also wise to consider the future, the homeowner may consider working out a new budget, cutting expenses or even looking to remortgage to save money. The home owner may also try to renegotiate the current mortgage with their lender, depending upon how willing the lender is to work with them.

         
    Working of credit cards and credit card processing software

     

    If you area trader you must be aware of the current trend of business world also known as credit card processing. Credit card processing has become big business toll and a part of every business owner and customer’s day to day life. With people going itchy about carrying money in their pocket credit cards have come out as a solution for them, thus every trader or business owner knows implementing credit card processing in their filed of work will do more than simple sale increase or pleasing just another customer. Credit card is a piece of plastic in form of card with the name and data of the user issued by respective banks or financial institute of the user. When a customer goes in to a shop and buys goods using credit cards they handle the shop owner the card which is then swiped through the credit card equipment along with the punching of the credit card number. Moment the card is swiped through an equipment, data regarding the user and its’ account eligibility is flashed to the bank which in turn lets the trader know whether to accept the card payment or not. The whole working of credit card and credit card software system sounds simple, fast and smart but the back processing of the whole credit card processing software and credit cards consists of complicated, well managed and secured steps or operation. Credit card processing software also known as POS software works towards recording or providing a programmed or well automated information or data regarding the money transaction that occurs during buying and selling of goods using credit card service. Software for credit card processing is designed to facilitate traders and customer with the uncomplicated process, also such software assists a trader in handling any later trouble of confusion or dealing with any fraud. Market is full of credit card processing software that can not just help a trader with easy and economical ways of offering customers with luxury of shopping with their credit cards, but also helps to provide customers with a complete safe and fast mode of using their own account without worrying about any stolen cash or misuse of their account. You can always find credit card processing software in the market or on web. Banks and credit card companies also offer software for managing credit cards and their transaction in business. While some may cost you big and heavy, there are always schemes available offering free of cost of credit card software. But before you open up a merchant t account and buy a credit card processing software it is advisable that you do check out whether the software supports your preference of credit cards like master card, VISA, American express and more. With little care and attention you can always find a safe and convenient credit card processing software that will enable you to begin your service of accepting your precious customers with the power of credit card purchasing for a happy shopping.

         
    Working multiple jobs to make ends meet how a low interest debt consolidation loan can help

     

    If you are struggling to make debt payments and are working more than one job just to pay the bills, a low interest debt consolidation loan could free up more money for other things. The stress of working multiple jobs and still not having enough money to meet all your needs, is compounded by the stress of constantly facing bankruptcy because of credit card and other debt. This sort of stress is very bad for your health and lowers your quality of life significantly. After a while of fighting to survive, creatively trying to solve your problems only to face them again the next month and living on the edge, you can begin to feel punch drunk and are less and less able to do what is necessary to simply stay on an even keel. Under these circumstances, debt can worsen and your ability to cope with it can diminish. A low interest debt consolidation loan can reduce your long term debt costs as well as the amount you have to budget monthly for debt repayment. The biggest problem you will face if you are working multiple jobs is how to find the time to locate the best low interest debt consolidation loan for your needs. There are professionals who can do this for you. If you can’t see them in their office you can find an online service to help you. Just make sure you tell them everything of importance so they can find the best product for you. Once you have combined all your debts into one low interest debt consolidation loan, it is important to cancel all your credit cards so the option of increasing debt doesn’t exist. If you pay off the balances and leave the cards open for emergencies, chances are you will fall back on them and your debt will begin to increase again. Don’t let that happen. To avoid future problems you will also need to create a budget that works for your family and live within it. Make a commitment to remain debt free. Living within a strict budget is not as stressful as living beyond your means. Once you adjust your life to your income and enjoy the peace that gives you, you will see opportunities to increase your income that you were blind to before. Stress and worry have a way of blinding us to the good because we are always focused on the problems. A low interest debt consolidation loan will open the door to new financial possibilities and to a much better life.

         
    Working multiple jobs and still can t manage those bills consolidate bills and make it easier

     

    In today's world of invisible money and fast credit it is easy for anyone to get over their head with debt and find themselves will more bills than they can pay. It is very common today for people to have two jobs and still not make enough money to keep up on all of their bills. If you think you fit into the situation I am describing then debt consolidation may be right for you. When you consolidate bills you make things easier on yourself in several ways. First of all the amount you have to pay each money is usually lower, which means you can finally manage to keep progressing forward with your finances instead of trying to swim upstream. Second, the interest rate of a debt consolidation loan is usually lower than the various other loans you had to begin with so you end up paying less interest. And third, it is easier to keep track of your bills when you only have one lender to pay each month instead of several. This helps keep you organized. In essence, when you consolidate bills you are allowing a lender to pay off all of your debts and then you owe that lender instead. Since the lender is now going to get payments from you that are larger than what you paid any one specific lender that you previously owed, the bill consolidation lender gives you a lower interest rate. In other words, the loan works out for both of you since the lender gets extra money and rewards you will a lower monthly payment and less interest. If you are someone in debt, trying to consolidate bills seems like an easy decision. And it is indeed a very good thing to do, but there are some things to consider first because you want to make sure you get the right debt consolidation loan for you. If you own a home then home equity loans tend to offer the lowest interest rates. You should shop around for home equity loans to see if you can find a lender in which you qualify and to compare rates. If you would like to consolidate your bills but have an open line of credit as well then you should consider a home equity line of credit. This allows you to consolidate your bills into one low payment but have a line of credit open as well which you can draw upon if you suddenly need money. This is a good choice if you have upcoming large expenses that you would like to incorporate into your loan. If you do not own a home then a personal loan is a popular and effective way to consolidate bills. While a personal loan does not have interest rates as low as home equity loans, they do not require collateral and are easy to get with a bad credit score as long as you have enough of a steady income to make your payments each month. You can also use a credit card to consolidate bills. A credit card with a low interest rate will usually offer you a lower interest than you were paying before on you bills, and the monthly payments can be very low. However with monthly payments so low and the ability to reuse the money after you have put it on your card this method takes a lot of self-control. If you take a long time to pay off your debt by making the minimum payment, you will have to pay a lot of extra money due to interest. And if you keep reusing the money you pay to the credit card company, you will not make progress towards erasing your debt. With all of the options open to you it is not hard to find which type of loan is the best. The lowest interest rate or smallest monthly payment is not the only thing to consider. You also need to look at other advantages or disadvantages. If you do not have a lot of self-control, then using a credit card to consolidate bills can be a bad idea and only make things worse. If you have large upcoming expenses than the lower interest rates of a home equity loan are not as important as the line of credit that a home equity line of credit offers. The good news is that even if you feel it is impossible to keep your head above water there are lenders out there that can help.

         
     
         
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