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Make a U-Turn When It Comes To Auto Title Loans

Posted in Borrowing Money
July 28th 2015 by
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The number of people taking out auto title loans is growing rapidly. What are these loans? They’re short-term loans that consumers can quickly obtain by using the title of their vehicle as collateral. These loans usually don’t require credit checks and appeal to anyone strapped for cash. However, many people are failing to see the dangers behind it.  Like the similar payday loans, regulations for these loans are not strong enough to keep lenders from getting around them and consumers are therefore being misinformed, driving them into even more debt. Sky-High Interest Rates When taking out these loans, consumers are…

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Should I Cancel My Old Credit Card?

Posted in Borrowing Money
June 11th 2015 by
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There are many reasons you may want to cancel your old credit card.  People will sometimes do so in an attempt to better their credit score, take control of their spending habits, or reduce their security risks.  However, there is much to consider when making the decision to cancel an old card: Pros Decreased fraud risk Good credit from that card will stay on your credit report for 10 years Helps reduce the chance of falling into a great amount of debt No temptation to use the card Cons Have to pay off balance Miss out on rewards Lose the…

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Uses of Home Equity Lines of Credit

April 28th 2015 by
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This is a guest post from Roberta Pescow, NerdWallet The equity in your home is a powerful thing, but it’s up to you to unleash that potential. A home equity line of credit can put your equity to work for you. Here’s what you should know about this form of revolving charge account and some of the ways to use it. Understanding HELOCs A HELOC (pronounced “hee-lock”) is a form of secured financing that uses the borrower’s home as collateral. It relies on using your home equity, or the difference between the appraised value and what you owe on the…

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Don’t Make These Mistakes with Your Student Loans

Posted in Borrowing Money
April 9th 2015 by
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It doesn’t seem like anyone would make a significant financial decision without fully understanding the terms and total amount of debt involved, but plenty of college students do this. A recent report run by Elizabeth J. Akers and Matthew M. Chingos of the Brown Center on Education Policy at Brookings, found that many college students don’t know how much debt they have, and some didn’t know they had a student loan at all. Only 52% of the respondents in the study were able to report an accurate range of how much student loan debt they’d have after graduating. 25% underestimated,…

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7 Mortgage Tips for First-Time Homebuyers

April 7th 2015 by
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Buying a house will probably be the biggest purchase you ever make. Financing a house is not the same as buying a couch, computer, or even a car. Chances are the mortgage you settle on will be with you for around 30 years. Be a well-informed shopper going into the homebuying process with these mortgage tips. 1. Know Your Credit Knowing what your credit is will allow you to decide if you’re ready to apply for a mortgage or what kind of rates you can expect. If there’s something wrong with your credit, or you have poor credit, you don’t…

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