Car Buyers Urged To Seek Best Loans
By: Mark Dawson
Increasing numbers of insurance firms and other personal finance bodies are warning consumers not to let their desire for a new car cloud their sense of value.
With less than a fortnight remaining until the release of the new 08 number plates across the UK, many motorheads are sure to be checking their wallets to see if they can splash out on a new vehicle. However, regardless of whether the dream purchase is a hotrod or simply a reliable runaround, consumers are being advised to look for the best low rate loans available to fund the deal.
According to insurer esure, considering how to finance the exchange when splashing out on a new car is "way down the list of motorists' priorities". It claims that while one in six (15 per cent) consumers spend a significant number of hours turning the pages of car magazines and researching on the internet to establish which car they want to buy, as many as one in three spend less than an hour considering how they intend to support the purchase. Additionally, many do not understand the lingo involved, with more than nine in ten (92 per cent) unable to define lease purchase - an industry term for forecourt finance. Many commentators have asserted that low rate loans are a more cost efficient way of dealing with the financial outlay of buying a car.
Insurer esure also observes that the price of a vehicle is not always as concrete as it might appear when first venturing on to the forecourt. "The price tag on a new car is never fixed in stone and haggling could potentially result in savings of hundreds of pounds, yet only two thirds of Brits (65 per cent) would negotiate or bargain on the price of the new car," the company states. "Surprisingly, Brits are more likely to negotiate at a car boot sale to save their pennies (78 per cent) rather than on a car forecourt to save their pounds."
Price comparisons site moneysupermarket has also added its voice to those warning against forecourt finance. It suggests that those looking to buy a new car but failing to seek out the best low-rate loans could fritter away almost 1,000 pounds on interest payments alone. Furthermore, it estimates that, should the expected 425,000 new cars being purchased next month involve forecourt finance, a total of 402 million pounds in extra interest could be shelled out by the buyers. Tim Moss, head of loans at moneysupermarket, said: "It is vital to shop around for the best deal to finance your new car to help you avoid paying over the odds."
Low-rate loans are not only useful for covering the costs of an initial purchase, however. According to figures published last year by price comparisons service uSwitch, young drivers could also find that their premium costs have a significant impact upon their financial situation. Furthermore, any convictions accrued could cause their premiums to soar by as much as 55 per cent, at which point a low-rate loan might be a convenient way of spreading the burden.
Article Source: http://www.1articleworld.com
4/08/2008
Home Improvement Loans : Convert Your House into a Dream Home
Home Improvement Loans: Convert Your House into a Dream Home
By: Gracy
Pulling out a loan is a well-liked and trouble free method of expanding your home; whether you want to add an annex to your existing home, renovate a room for a diverse use, or set up a new kitchen, loans are on hand in the UK financial souk to suit the purpose. Not only these loans let you make modifications and enhancements to your home, but it can also raise the value of your house. The increase in value of your house may be more than the initial cost of the expansion or enhancement you include.
Study illustrates that home purchasers in the UK are able to pay considerable premiums for revamped properties. Adding unique features can certainly rise up the deal price of your home.
Home improvement loans can be utilised to put in more worth to your existing piece of real estate in various different methods. First, and the most noticeably, customers prefer the ready to move houses. They want to step into pre-furnished houses in comparison to the properties entailing investment or renovation. Older properties can gain a lot of market value by reconstruction. Putting in a new hall or double-glazing an old house to save on power bills can be an advantage, when you are selling your property in the market. Buyers also feel affection for unique features like solarium, wings, and duplex conversions, and these features amplify your house value a lot and make it a much more attractive vista in a jam-packed real estate market.
The first concern when getting a competitive homeowner loan for redecoration purpose is, obviously, the loan interest rate itself. The interest rate may differ depending on your monetary status, the sum being sought and the period in which you want to repay your loan amount. It's worth looking more or less at the offers from numerous loan lending institutions. The Internet is a helpful means in this regard, permitting you to evaluate prices at a glimpse and cutting back a lot of time and wealth. By contrasting at various lending companies, you will rapidly get a thought of which deals are competitive and which are not. So, it is always a good step to shopping around in order to find a perfect loan deal, as the particulars can fluctuate more than you might imagine. You can also consider unsecured loans for home improvement.
You should look further than the interest rate available on offer and verify the small print to avail a low-interest rate Home improvement loan. In particular, things that you should consider comprise the alternatives and penalty for early repayment, penalties for missed payments and the information on any insurance scheme which you may desire to take to cover on your settlements in case of any misfortunes, illness or demise. All of these aspects positively make your loan deal economical and reasonable.
Article Source: http://www.1articleworld.com/
By: Gracy
Pulling out a loan is a well-liked and trouble free method of expanding your home; whether you want to add an annex to your existing home, renovate a room for a diverse use, or set up a new kitchen, loans are on hand in the UK financial souk to suit the purpose. Not only these loans let you make modifications and enhancements to your home, but it can also raise the value of your house. The increase in value of your house may be more than the initial cost of the expansion or enhancement you include.
Study illustrates that home purchasers in the UK are able to pay considerable premiums for revamped properties. Adding unique features can certainly rise up the deal price of your home.
Home improvement loans can be utilised to put in more worth to your existing piece of real estate in various different methods. First, and the most noticeably, customers prefer the ready to move houses. They want to step into pre-furnished houses in comparison to the properties entailing investment or renovation. Older properties can gain a lot of market value by reconstruction. Putting in a new hall or double-glazing an old house to save on power bills can be an advantage, when you are selling your property in the market. Buyers also feel affection for unique features like solarium, wings, and duplex conversions, and these features amplify your house value a lot and make it a much more attractive vista in a jam-packed real estate market.
The first concern when getting a competitive homeowner loan for redecoration purpose is, obviously, the loan interest rate itself. The interest rate may differ depending on your monetary status, the sum being sought and the period in which you want to repay your loan amount. It's worth looking more or less at the offers from numerous loan lending institutions. The Internet is a helpful means in this regard, permitting you to evaluate prices at a glimpse and cutting back a lot of time and wealth. By contrasting at various lending companies, you will rapidly get a thought of which deals are competitive and which are not. So, it is always a good step to shopping around in order to find a perfect loan deal, as the particulars can fluctuate more than you might imagine. You can also consider unsecured loans for home improvement.
You should look further than the interest rate available on offer and verify the small print to avail a low-interest rate Home improvement loan. In particular, things that you should consider comprise the alternatives and penalty for early repayment, penalties for missed payments and the information on any insurance scheme which you may desire to take to cover on your settlements in case of any misfortunes, illness or demise. All of these aspects positively make your loan deal economical and reasonable.
Article Source: http://www.1articleworld.com/
3/06/2008
MAKE COR INSURANCE EASY WITH ONLINE QUOTES
Make Car Insurance Easy With Online Quotes
By: David Kowalczyk
The easiest and the surest way to save money is to get the free online car insurance quotes. What can be more advantageous than to sip the hot espresso and find the most beneficial car insurance quote online and within minutes crack a best deal for yourself. Welcome to the world of online car insurance quotes.
It is never easy to find a right insurance quote for your car. Infact it can prove to be a real pain in the neck when you actually search for one. For choosing a right car insurance quote you have to gather complete information on the company and the procedures and then you contact the companies insurance agent to get your quote.
Actually the work just starts from here. You need to prepare all the necessary documents by yourself which is time consuming and if you are looking for quotes from more than one company then you have to devote more time to the actual process. That means depending on what schedule you follow your car insurance can take weeks to realize.
That is where online car insurance quotes come to your rescue. It's the easiest way for the job. With the online car insurance quotes you can get multiple quotes at once so that you can decide on the most beneficial.
What you need to do is to keep the complete information ready with you, gather all the information you will need to get the free quote. Information like driver's license, vehicle registration no., vehicle model and make and discountable features in your vehicle like Anti-theft Devices, Airbags, Anti-Lock Brakes, Automatic Seat Belts, Window Etching, Multiple Car Discount, Multiple Policy Discount etc.
Once you are ready with the information it is time to check out the free online car insurance quotes.
There are many insurance companies which can offer you a free online insurance quote. It is the most hassle free experience of getting the quotes where you can actually compare the quotes offered by various companies and tat too within minutes. You can also make yourself familiar with the different lingo's and can go through the FAQ's of the site.
Till the time you get your quote you are well aware fo the discounts which you can get and end up with a really competitive quote. There are many online services wherein you can not only get the quote but your policy is completed online and delivered to you at your doorsteps.
There are many websites which offer free online car insurance quotes and the best part is you can get the free online quotes from various insurance companies at once. No need to contact them individually.
These sites may help you to find the most discounted insurance quote and that too free. Some recommended websites offering the services are carinsurance.com, geico.com, lucentnetcare.com, insureme.com, insurance.com, etc. Generally the registration with such websites is quite simple and you can complete it in no matter of time by providing some essential details. The best part of such online quote providers is that you can get several quote in no matter of time. This ensures that you find the best deal which definitely would save you money.
Article Source: http://www.1articleworld.com
By: David Kowalczyk
The easiest and the surest way to save money is to get the free online car insurance quotes. What can be more advantageous than to sip the hot espresso and find the most beneficial car insurance quote online and within minutes crack a best deal for yourself. Welcome to the world of online car insurance quotes.
It is never easy to find a right insurance quote for your car. Infact it can prove to be a real pain in the neck when you actually search for one. For choosing a right car insurance quote you have to gather complete information on the company and the procedures and then you contact the companies insurance agent to get your quote.
Actually the work just starts from here. You need to prepare all the necessary documents by yourself which is time consuming and if you are looking for quotes from more than one company then you have to devote more time to the actual process. That means depending on what schedule you follow your car insurance can take weeks to realize.
That is where online car insurance quotes come to your rescue. It's the easiest way for the job. With the online car insurance quotes you can get multiple quotes at once so that you can decide on the most beneficial.
What you need to do is to keep the complete information ready with you, gather all the information you will need to get the free quote. Information like driver's license, vehicle registration no., vehicle model and make and discountable features in your vehicle like Anti-theft Devices, Airbags, Anti-Lock Brakes, Automatic Seat Belts, Window Etching, Multiple Car Discount, Multiple Policy Discount etc.
Once you are ready with the information it is time to check out the free online car insurance quotes.
There are many insurance companies which can offer you a free online insurance quote. It is the most hassle free experience of getting the quotes where you can actually compare the quotes offered by various companies and tat too within minutes. You can also make yourself familiar with the different lingo's and can go through the FAQ's of the site.
Till the time you get your quote you are well aware fo the discounts which you can get and end up with a really competitive quote. There are many online services wherein you can not only get the quote but your policy is completed online and delivered to you at your doorsteps.
There are many websites which offer free online car insurance quotes and the best part is you can get the free online quotes from various insurance companies at once. No need to contact them individually.
These sites may help you to find the most discounted insurance quote and that too free. Some recommended websites offering the services are carinsurance.com, geico.com, lucentnetcare.com, insureme.com, insurance.com, etc. Generally the registration with such websites is quite simple and you can complete it in no matter of time by providing some essential details. The best part of such online quote providers is that you can get several quote in no matter of time. This ensures that you find the best deal which definitely would save you money.
Article Source: http://www.1articleworld.com
AFFORDABLE HOME INSURANCE
Affordable Home Insurance -- More Ways To Make Massive Savings Without Hurting Yourself
By: Chimezirim Chinecherem Odimba
Affordable home insurance: This article is about other things you can do to get lower rates. Here they are with a precaution you mustn't fail to note...
1. Do regular checks on your plumbing and upgrade once it becomes necessary. Reports show that water damage is the most common claim on a homeowner's policy. Therefore, things that lower your risk of water damage will lower your home insurance rate. Let your agent know if you've improved your plumbing.
2. Check an insurer's rating and do NOT be deceived by just cheap premiums. Few things can be worse than realizing that made payments diligently to the wrong insurance provider only when you make a claim. It doesn't take much time to find out from your state's department of insurance's website. Check if your preferred insurer is licensed to offer home insurance in your state.
Independent bodies like BBB, A.M Best Company, Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc. will also help you determine if an insurer is worth it.
3. If your home's landscaping is done properly it will help bring down your rates. Things like potholes raise the chances of injuries that could result in liability claims. So if you want to lower your premiums make sure you have done your landscaping properly. And if you haven't and plan to do it, talk with your insurance agent so you'll know the right things to do in your landscaping to make sure you get the highest discounts possible with your insurance provider.
4. If you strengthen your roof you'll receive cheaper home insurance premiums. Take serious note of this if you live in the East where high winds are more prevalent. Your agent should be able to state things you can do if you want a discount this way.
5. You can lower your home insurance costs by obtaining and evaluating quotes from at least five good insurance quotes sites.
Article Source: http://www.1articleworld.com
By: Chimezirim Chinecherem Odimba
Affordable home insurance: This article is about other things you can do to get lower rates. Here they are with a precaution you mustn't fail to note...
1. Do regular checks on your plumbing and upgrade once it becomes necessary. Reports show that water damage is the most common claim on a homeowner's policy. Therefore, things that lower your risk of water damage will lower your home insurance rate. Let your agent know if you've improved your plumbing.
2. Check an insurer's rating and do NOT be deceived by just cheap premiums. Few things can be worse than realizing that made payments diligently to the wrong insurance provider only when you make a claim. It doesn't take much time to find out from your state's department of insurance's website. Check if your preferred insurer is licensed to offer home insurance in your state.
Independent bodies like BBB, A.M Best Company, Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc. will also help you determine if an insurer is worth it.
3. If your home's landscaping is done properly it will help bring down your rates. Things like potholes raise the chances of injuries that could result in liability claims. So if you want to lower your premiums make sure you have done your landscaping properly. And if you haven't and plan to do it, talk with your insurance agent so you'll know the right things to do in your landscaping to make sure you get the highest discounts possible with your insurance provider.
4. If you strengthen your roof you'll receive cheaper home insurance premiums. Take serious note of this if you live in the East where high winds are more prevalent. Your agent should be able to state things you can do if you want a discount this way.
5. You can lower your home insurance costs by obtaining and evaluating quotes from at least five good insurance quotes sites.
Article Source: http://www.1articleworld.com
3/03/2008
INSURANCE AT A GLANCE
Insurance at a Glance
By shijina seo [ 28/02/2008 ]
Reason to own a long term care insurance is to offer help when you need to do the daily living activities such as bathing and eating. Or sometimes you need some help and assistance when you have a cognitive impairment. There are some people who need care from nurses as they might be suffering from severe diseases. Long term can be obtained if you are cared by a nursing home or taken care by a living facility or at home. One might need a long term care anytime no matter how old are you are. Senior citizens are the one who often needs long term care. Younger and middle aged people rarely need this kind of insurance. Long term care can be quite expensive; on an average a year staying at a semi private room in a nursing home will costs about nearly $58,000, this is an estimated annual cost in the year 2005. In certain parts of the country, this might even cost much more!
Home care is considered to be less expensive than nursing home. Home care basically includes full time or part time nursing care. Getting such services or assistance at your house is 3 times a week to assist with work such as dressing, preparing meals, etc, that will cost you $1,000 or more per month. Long term care insurance will guard you from such high costs care. Many long term care policies give a preset dollar amount that will differ from as little as $40 per day to more than $200 per day. Everyday benefits for at-home care is about half of the benefits for nursing home care. To get the lowest rates, you need to apply earlier rather than later for long term care health insurance. Your medical conditions and age will affect your eligibility for the coverage and how much the premium will cost. Recently some changes in Federal law might allow you to take certain income tax deductions for long term care operating costs and insurance premiums. Apart from this, some States in US might give you a slight deduction or credit towards the State income taxes for these expenses.
Usually the annual rate of increase in the cost of long term care services that has risen rapidly when compared for other services for consumer. This means the advantages you get now might not be enough to cover the higher expenditures in future. You may choose a plan that has an inflation adjustment feature which will protected you against the rise in long term care expenses over sometime, until you need the services. Long term care health insurance might be given where you work, or you can be eligible for this through a fraternal group, union or an organization that you belong to. Additionally many life insurance companies directly provide long term care insurance for consumers.
Article Source: http://www.Free-Articles-Zone.com
By shijina seo [ 28/02/2008 ]
Reason to own a long term care insurance is to offer help when you need to do the daily living activities such as bathing and eating. Or sometimes you need some help and assistance when you have a cognitive impairment. There are some people who need care from nurses as they might be suffering from severe diseases. Long term can be obtained if you are cared by a nursing home or taken care by a living facility or at home. One might need a long term care anytime no matter how old are you are. Senior citizens are the one who often needs long term care. Younger and middle aged people rarely need this kind of insurance. Long term care can be quite expensive; on an average a year staying at a semi private room in a nursing home will costs about nearly $58,000, this is an estimated annual cost in the year 2005. In certain parts of the country, this might even cost much more!
Home care is considered to be less expensive than nursing home. Home care basically includes full time or part time nursing care. Getting such services or assistance at your house is 3 times a week to assist with work such as dressing, preparing meals, etc, that will cost you $1,000 or more per month. Long term care insurance will guard you from such high costs care. Many long term care policies give a preset dollar amount that will differ from as little as $40 per day to more than $200 per day. Everyday benefits for at-home care is about half of the benefits for nursing home care. To get the lowest rates, you need to apply earlier rather than later for long term care health insurance. Your medical conditions and age will affect your eligibility for the coverage and how much the premium will cost. Recently some changes in Federal law might allow you to take certain income tax deductions for long term care operating costs and insurance premiums. Apart from this, some States in US might give you a slight deduction or credit towards the State income taxes for these expenses.
Usually the annual rate of increase in the cost of long term care services that has risen rapidly when compared for other services for consumer. This means the advantages you get now might not be enough to cover the higher expenditures in future. You may choose a plan that has an inflation adjustment feature which will protected you against the rise in long term care expenses over sometime, until you need the services. Long term care health insurance might be given where you work, or you can be eligible for this through a fraternal group, union or an organization that you belong to. Additionally many life insurance companies directly provide long term care insurance for consumers.
Article Source: http://www.Free-Articles-Zone.com
2/12/2008
How To Handle Student Loans Appropriatly
How To Handle Student Loans Appropriatly
by: Michael VanWormer
It is often said that the most effective debt management strategy is to be debt-free. But, in order to pay for your college education, you may need to take out student loans.
Student loans are applied by many people these days. It is for the hope that student loans can greatly support their education. Well, that is primarily the purpose of student loans, but there are some instances that getting student loans is what lead people to be buried deep in debt. This is common among those who failed to repay their debts or those who actually escape from their obligations.
Now, planning for successful repayment involves a lot of considerations. The planning should start before you place and strike your pen on your first promissory note. Just as you are making a commitment to your career by way of investing time and money in higher education, you should also make a commitment to your financial future by way of effectively managing your student loans from the beginning.
Here are the most recommended tips and tactics that may help you handle your student loan debt effectively and repay the loans successfully.
Tip #1: Do Your Own Research
Always note that not all loans are the same. Some of them, such as the ones provided by the Indiana Secondary Market for instance, offer benefits during school as well as after graduation in the form of repayment incentives, while other do not. They will pay the 3 percent origination fee normally charged on Federal Family Education Loan Program (FFELP) loans, and this process actually means more money for the books, school supplies and living expenses. And, after you graduated, there is a chance that you will be qualified for reduced interest rates especially when you ready your payments up on automatic withdraw. So, with the differences in student loans, it is necessary that you do your research before signing the first promissory note.
Tip #2: Pay Attention to the Mail
Typically, every borrower receives important information regarding the student loan he or she took out. The mail usually comes in before, during and after school. So, it is somehow important that you read all of the materials you receive carefully. In case, you have questions, the source of the materials is available to welcome you with your questions. Don’t hesitate to ask, and never ignore the correspondence or you may miss out a very vital deadlines or details about your loans.
Tip #3: Be Organized
When taking out student loan from a particular institution, it is always best to save all of your student loan documents and correspondences. This makes you aware of what exactly you’ve agreed, what is expected from you as a student loan borrower, and how much you have borrowed. At the start of the student loan process, you may find it unnecessary to keep all the documents, but when the repayment period is approaching, there is a great possibility that you may refer to some or all of these documents.
To makes things easier for you, begin by setting up an easy to use record-keeping system where you can store your student loan documents and correspondence. As you may know, there are a number of books and software products on personal finance to help you get started. Whatever you may use, whether file folders, binders, portfolios, or envelopes, it is a good idea that you set up one folder for every type of loan or account you have and keep the items sorted accordingly.
Here is what you should keep:
· Important documents like your student loan applications, promissory notes, disbursement and disclosure statements, as well as loan transfer notices.
· Copies of all correspondences between you and your student loan lender, loan holder, and/or servicer, including your school’s financial aid office.
· Addresses and telephone numbers of your lender, loan holder, and servicer. These must be maintained up-to-date.
· The name, the date and time of the conversation, as well as a summary of what you have discussed. These must be considered especially when you are speaking with anyone regarding your student loans as these may be valuable for future reference or clarification.
Also, when setting up your record-keeping system, be sure that it is comfortable to use. This means a system that you will find easy to maintain over the life of the loan. This record-keeping system must also be secured from theft or fire. Many experts also suggest that you should keep all your student loan related documents and correspondences until all the education loans you’ve taken have been fully repaid.
Tip #4: Be present at All Required Entrance and Exit Sessions
When you take out student loan, you will be required to complete student loan counseling sessions. This is often considered when you first obtain the loan and upon graduation. Also, it is worth noting that some schools these days offer this on-line and the sessions will not require a great amount of your time. However, they will provide you with a great deal of information on your right and responsibilities as a borrower.
Tip #5: Learn to Manage Money like an Expert
It has been said that if you live like a professional while you are in school, you will live like a student once you’ve finished your degree. In other words, it is important that you know very well how to handle your money while you are attending school. This will help you lessen the total amount you end up borrowing, and in turn, the amount you will responsible for repaying.
Here are some of the tactics that are worth considering:
· Develop realistic budgets for while you are attending school and even after you graduate. This will allow you to borrow not more than you need, giving you a great chance to repay your loans.
· Learn to live as cheaply as you can. Always remember that you are just a student. You will enjoy a more comfortable lifestyle once you’ve graduated especially if you lessen your borrowing while you are in school. Some of the most recommended ideas for how to be thrifty include getting a roommate, renting a movie instead of going out to the theater, as well as bringing your lunch from home instead of eating out. Be thrifty as possible.
· For any credit card bills you receive, try to pay the full amount due.
· Establish a budget for yourself and follow it. While you are in school, it is important that you know how to resist the urge of using credit cards or your student loan funds to purchase things that are included in your budget. Don’t just buy unnecessary things.
· If possible, explore work-study or other part-time employment. As often said, it may give you an opportunity for you to study or obtain valuable professional experience, other than help cover overheads.
Tip #6: Maintain at least Half-Time Enrollment
Considering a half-time enrollment is highly necessary in order for you to qualify for an in-school deferment. The half-time enrollment normally takes six credit hours. Regarding your school’s requirements for half-time status, see your financial aid officer.
Tip #7: Take Advantage of Tax Savings
Some of the student who takes out student loans qualifies for tax credits. To see your own status, check with your tax advisor. The credits are actually based on your qualified tuition payments, and they can help reduce the amount of Federal tax you pay. Now, if you are paying interest on a student loam, you may also be able to take a deduction on your Federal tax return for those interest payments. Therefore, to obtain the full benefit of the credits as well as the deductions, grab the opportunity of employing the additional tax refund to pay down your student loan debt, or perhaps to handle your educational overheads.
Tip #8: Repayment Tips
As you enter the repayment period, note that being aware of your student loan obligations is very crucial. This is where the student loan default usually happens. It occurs when you fail to pay back the loan as agreed or meet the other terms of your promissory note. The promissory note for each of the loans must then be referred prior to your graduation or before you leave school so that you know what your rights and responsibilities are in repayment.
Here is what you should do as you enter the repayment period:
· Send your education loan payments when due every month, for the full monthly payment amount or more. This must be done regardless of whether or not you receive a bill.
· Note and understand the repayment options provided by your student loan lenders. With some available options, there is a possibility that you can lessen the total cost of the loan by making a high monthly payment. Other options may even lessen your initial monthly payments and may make it easier for you to pay back your leans early in your career.
· Understand the deferment as well as forbearance. In case you need them, just learn to exercise your options.
· Remember that the loan consolidation and its repayment options have its pros and cons. So, understand them.
· Keep your school, lender or servicer informed of your whereabouts. Contact them immediately if you change your name or address; have questions about billing statements; have problems making your scheduled payment on time; or if you want information on or application for deferment or forbearance.
· Read, note and understand all the correspondence you receive from your student loan lender, loan holder, or servicer. And, respond them promptly if asked to do so.
For Further Information
If for instance you need further information regarding your student loans, always remember that the financial aid staff at your school is probably your most important resource. However, there are also some consult publications from federal and state governments, lenders and scholarship granting organizations, and financial ad guidebooks that are available from your local bookstore. They are great enough for you to start your own search.
by: Michael VanWormer
It is often said that the most effective debt management strategy is to be debt-free. But, in order to pay for your college education, you may need to take out student loans.
Student loans are applied by many people these days. It is for the hope that student loans can greatly support their education. Well, that is primarily the purpose of student loans, but there are some instances that getting student loans is what lead people to be buried deep in debt. This is common among those who failed to repay their debts or those who actually escape from their obligations.
Now, planning for successful repayment involves a lot of considerations. The planning should start before you place and strike your pen on your first promissory note. Just as you are making a commitment to your career by way of investing time and money in higher education, you should also make a commitment to your financial future by way of effectively managing your student loans from the beginning.
Here are the most recommended tips and tactics that may help you handle your student loan debt effectively and repay the loans successfully.
Tip #1: Do Your Own Research
Always note that not all loans are the same. Some of them, such as the ones provided by the Indiana Secondary Market for instance, offer benefits during school as well as after graduation in the form of repayment incentives, while other do not. They will pay the 3 percent origination fee normally charged on Federal Family Education Loan Program (FFELP) loans, and this process actually means more money for the books, school supplies and living expenses. And, after you graduated, there is a chance that you will be qualified for reduced interest rates especially when you ready your payments up on automatic withdraw. So, with the differences in student loans, it is necessary that you do your research before signing the first promissory note.
Tip #2: Pay Attention to the Mail
Typically, every borrower receives important information regarding the student loan he or she took out. The mail usually comes in before, during and after school. So, it is somehow important that you read all of the materials you receive carefully. In case, you have questions, the source of the materials is available to welcome you with your questions. Don’t hesitate to ask, and never ignore the correspondence or you may miss out a very vital deadlines or details about your loans.
Tip #3: Be Organized
When taking out student loan from a particular institution, it is always best to save all of your student loan documents and correspondences. This makes you aware of what exactly you’ve agreed, what is expected from you as a student loan borrower, and how much you have borrowed. At the start of the student loan process, you may find it unnecessary to keep all the documents, but when the repayment period is approaching, there is a great possibility that you may refer to some or all of these documents.
To makes things easier for you, begin by setting up an easy to use record-keeping system where you can store your student loan documents and correspondence. As you may know, there are a number of books and software products on personal finance to help you get started. Whatever you may use, whether file folders, binders, portfolios, or envelopes, it is a good idea that you set up one folder for every type of loan or account you have and keep the items sorted accordingly.
Here is what you should keep:
· Important documents like your student loan applications, promissory notes, disbursement and disclosure statements, as well as loan transfer notices.
· Copies of all correspondences between you and your student loan lender, loan holder, and/or servicer, including your school’s financial aid office.
· Addresses and telephone numbers of your lender, loan holder, and servicer. These must be maintained up-to-date.
· The name, the date and time of the conversation, as well as a summary of what you have discussed. These must be considered especially when you are speaking with anyone regarding your student loans as these may be valuable for future reference or clarification.
Also, when setting up your record-keeping system, be sure that it is comfortable to use. This means a system that you will find easy to maintain over the life of the loan. This record-keeping system must also be secured from theft or fire. Many experts also suggest that you should keep all your student loan related documents and correspondences until all the education loans you’ve taken have been fully repaid.
Tip #4: Be present at All Required Entrance and Exit Sessions
When you take out student loan, you will be required to complete student loan counseling sessions. This is often considered when you first obtain the loan and upon graduation. Also, it is worth noting that some schools these days offer this on-line and the sessions will not require a great amount of your time. However, they will provide you with a great deal of information on your right and responsibilities as a borrower.
Tip #5: Learn to Manage Money like an Expert
It has been said that if you live like a professional while you are in school, you will live like a student once you’ve finished your degree. In other words, it is important that you know very well how to handle your money while you are attending school. This will help you lessen the total amount you end up borrowing, and in turn, the amount you will responsible for repaying.
Here are some of the tactics that are worth considering:
· Develop realistic budgets for while you are attending school and even after you graduate. This will allow you to borrow not more than you need, giving you a great chance to repay your loans.
· Learn to live as cheaply as you can. Always remember that you are just a student. You will enjoy a more comfortable lifestyle once you’ve graduated especially if you lessen your borrowing while you are in school. Some of the most recommended ideas for how to be thrifty include getting a roommate, renting a movie instead of going out to the theater, as well as bringing your lunch from home instead of eating out. Be thrifty as possible.
· For any credit card bills you receive, try to pay the full amount due.
· Establish a budget for yourself and follow it. While you are in school, it is important that you know how to resist the urge of using credit cards or your student loan funds to purchase things that are included in your budget. Don’t just buy unnecessary things.
· If possible, explore work-study or other part-time employment. As often said, it may give you an opportunity for you to study or obtain valuable professional experience, other than help cover overheads.
Tip #6: Maintain at least Half-Time Enrollment
Considering a half-time enrollment is highly necessary in order for you to qualify for an in-school deferment. The half-time enrollment normally takes six credit hours. Regarding your school’s requirements for half-time status, see your financial aid officer.
Tip #7: Take Advantage of Tax Savings
Some of the student who takes out student loans qualifies for tax credits. To see your own status, check with your tax advisor. The credits are actually based on your qualified tuition payments, and they can help reduce the amount of Federal tax you pay. Now, if you are paying interest on a student loam, you may also be able to take a deduction on your Federal tax return for those interest payments. Therefore, to obtain the full benefit of the credits as well as the deductions, grab the opportunity of employing the additional tax refund to pay down your student loan debt, or perhaps to handle your educational overheads.
Tip #8: Repayment Tips
As you enter the repayment period, note that being aware of your student loan obligations is very crucial. This is where the student loan default usually happens. It occurs when you fail to pay back the loan as agreed or meet the other terms of your promissory note. The promissory note for each of the loans must then be referred prior to your graduation or before you leave school so that you know what your rights and responsibilities are in repayment.
Here is what you should do as you enter the repayment period:
· Send your education loan payments when due every month, for the full monthly payment amount or more. This must be done regardless of whether or not you receive a bill.
· Note and understand the repayment options provided by your student loan lenders. With some available options, there is a possibility that you can lessen the total cost of the loan by making a high monthly payment. Other options may even lessen your initial monthly payments and may make it easier for you to pay back your leans early in your career.
· Understand the deferment as well as forbearance. In case you need them, just learn to exercise your options.
· Remember that the loan consolidation and its repayment options have its pros and cons. So, understand them.
· Keep your school, lender or servicer informed of your whereabouts. Contact them immediately if you change your name or address; have questions about billing statements; have problems making your scheduled payment on time; or if you want information on or application for deferment or forbearance.
· Read, note and understand all the correspondence you receive from your student loan lender, loan holder, or servicer. And, respond them promptly if asked to do so.
For Further Information
If for instance you need further information regarding your student loans, always remember that the financial aid staff at your school is probably your most important resource. However, there are also some consult publications from federal and state governments, lenders and scholarship granting organizations, and financial ad guidebooks that are available from your local bookstore. They are great enough for you to start your own search.
2/05/2008
Car Insurance : Super Security For Cars
Car Insurance : Super Security For Cars
By Smith James
One of the desires of people around the world is to own a car. That wonderful utility machine that proves its relevance on various fronts. Firstly, it relieves people from the problems of commuting in a big way. No longer do they have to wait for buses or taxis or jostle with other passengers for a seat. They can reach their destinations on time and without any hassles. Then it also adds tremendously to the status symbol of people, elevating their status handsomely in society. No wonder cars have always been on top of the wish list of people in all times and ages. However, there is one difference in earlier times and now. People in earlier times were not able to purchase cars easily because of their price. However, things have changed considerably now and emergence of several financial organisations which readily provide loans at an extremely cost-effective rate has ensured that even people with average income can realise their dream of owning a car. However, what should not be forgotten is the fact that though cars, are purchased by almost everyone in today's times still they are expensive and majority people can buy them only after taking loans. Imagine in this scenario what happens if the car purchased after taking loans faces some damage. Needless to say that it can very well leave a hole in the pockets of most people. It is here that car insurance comes into play and ensures that people are spared from the trauma of arranging money for the repair as insurance companies do that for their clients.
The role that such a service plays, therefore, can easily be understood and can never be undermined. Had this service not been there it can easily be understood that the plight of people, especially those with average income, could easily be understood. However, to gain from this service it is mandatory that people take care of a few things.
First of all it is mandatory to ensure that the car insurance policy comes to life as soon as it is signed. Then it should also be seen that whether the car is priced fairly. People would also do well to ensure that no wrong information is given to the insurance company as well as the fact that there is no default on monthly premiums.
If these precautions are taken then there can be no denying the fact that car insurance would go a long way in helping people at a time when they are jostling with a heavy car repairing bill.
About the author:About the author:- The author is an expert in car insurance, car insurance UK, van insurance, breakdown cover, online insurance and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.
Article Source: http://www.Free-Articles-Zone.com
By Smith James
One of the desires of people around the world is to own a car. That wonderful utility machine that proves its relevance on various fronts. Firstly, it relieves people from the problems of commuting in a big way. No longer do they have to wait for buses or taxis or jostle with other passengers for a seat. They can reach their destinations on time and without any hassles. Then it also adds tremendously to the status symbol of people, elevating their status handsomely in society. No wonder cars have always been on top of the wish list of people in all times and ages. However, there is one difference in earlier times and now. People in earlier times were not able to purchase cars easily because of their price. However, things have changed considerably now and emergence of several financial organisations which readily provide loans at an extremely cost-effective rate has ensured that even people with average income can realise their dream of owning a car. However, what should not be forgotten is the fact that though cars, are purchased by almost everyone in today's times still they are expensive and majority people can buy them only after taking loans. Imagine in this scenario what happens if the car purchased after taking loans faces some damage. Needless to say that it can very well leave a hole in the pockets of most people. It is here that car insurance comes into play and ensures that people are spared from the trauma of arranging money for the repair as insurance companies do that for their clients.
The role that such a service plays, therefore, can easily be understood and can never be undermined. Had this service not been there it can easily be understood that the plight of people, especially those with average income, could easily be understood. However, to gain from this service it is mandatory that people take care of a few things.
First of all it is mandatory to ensure that the car insurance policy comes to life as soon as it is signed. Then it should also be seen that whether the car is priced fairly. People would also do well to ensure that no wrong information is given to the insurance company as well as the fact that there is no default on monthly premiums.
If these precautions are taken then there can be no denying the fact that car insurance would go a long way in helping people at a time when they are jostling with a heavy car repairing bill.
About the author:About the author:- The author is an expert in car insurance, car insurance UK, van insurance, breakdown cover, online insurance and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.
Article Source: http://www.Free-Articles-Zone.com
1/29/2008
Worry-Free Classic Car Shipping
Worry-Free Classic Car Shipping
By: Christine Harrell
By: Christine Harrell
Transporting a vehicle over a long distance such as during an interstate move is a nerve-wracking experience. It is even more traumatic when you are shipping a classic sports car or other valuable vehicle. In addition to the cost, such automobiles often have sentimental value that makes them irreplaceable.
Or maybe you have purchased a collector vehicle long distance, such as over the Internet. Some sellers may not have contact with a reliable auto transport service and you are on your own when it comes to finding a way to get that car to you.
Start with an experienced car shipping company
It's hard to find an auto transport company through word of mouth. Although car shipping is growing in popularity, it is still something new to the average person. There are a few things to look for when shopping for the right shipper.
- Experienced only: You want a shipper who not only has been in business a long time but has extensive practice in shipping classic vehicles. For companies just starting out, let them learn on someone else's cheaper vehicle. Your car deserves only experienced shippers.
- Check the insurance: Ask about the shipper's insurance in the unlikely event your vehicle is damaged in transit.
- Type of trailer: Optimally you want your auto transported in a closed trailer to protect it from the elements, road hazards, vandalism, and theft. If the car is to be shipped on an open trailer, make sure it will be shipped on the top rack.
- Straight-through or storage: Again, in a perfect world your car will be picked up at the door and delivered immediately to its destination. Some shippers take cars to a storage yard until they have enough vehicles headed in the right direction. While the car is being stored it is out of your control and could be damaged or stolen.
Prepare the car for transport
There are some basic steps to prepare for car shipping. These are a good idea for any vehicle but are vital for an expensive or collectible car.
- Wash and inspect: Carefully document any damage to the vehicle before shipping. Take pictures so you have an unbiased record of the car's condition
- Remove personal items: Many classic cars have aftermarket additions that can be removed for transport. Anything that can be easily removed should be so nothing gets lost or stolen.
- Have 1/4 tank of gas: There needs to be a little gas in the tank just to get the vehicle on and off the trailer, but too much is a safety hazard. If your car doesn't operate, obviously you don't need gas, but there will be an extra charge for winching your vehicle on and off the trailer.
For the owner of a classic car, shipping is like putting your child on an airplane alone. By using a reputable shipper and taking some basic precautions, both you and your baby will survive the experience.
Article Source: http://www.1articleworld.com
1/24/2008
Getting the Best Car Finance and Insurance Rates
Getting the Best Car Finance and Insurance Rates
By: Ajeet Khurana
When you buy a car you want to buy the best car that your money can buy but you want to make sure that your car finance program is equally as good. After you have your car you want to make sure that you have the best insurance, but of course you want to make sure that you have the best price for your great coverage.
When you are looking for car financing or for car insurance if you want to get the most for your money you will need to spend some time shopping around for the best programs out there. There is something for everyone and you don't need to pay top dollar for the best coverage.
Getting the Most for Your Money
When you are looking for car finance help you want to get the best loan that your money can buy. For some people this means having the best interest rate and for others this means that they are able to buy the car that they want. If you want the best car finance program that money can buy you first need to determine what is important for you.
To some people interest is everything so they won't accept a loan that has an interest rate of more than 7%. To other people they simply want to get into the car of their dreams, so they don't care if their interest rate is 20% as long as their monthly payment stays where it needs to be. For this reason, you need to determine what is important to you.
When you know what is important to you when it comes to car finance you will then need to start shopping around. Some lenders may require you to jump through hoops to get what you want while others will require that you simply provide them with the paperwork and financial information that is needed to process the loan. Which seems more reasonable? Everyone has a different idea of what they are willing to do for that perfect loan just as they have a different idea of what that perfect loan is.
When it comes to buying the best car insurance that money can buy, you will need to shop around, plain and simple. When it comes to car insurance there is a lot of competition out there and when you have competition that means that you are often able to get great coverage at great prices. Luckily there are a lot of websites out there that will help you compare and contrast coverage so you are sure to get the best deal.
Again, it all comes down to knowing what you want and then finding the best deal. This is different for everyone, which is why the process of getting the most for your money may require a bit of legwork on your part, but it will be worth it. Simply do a bit of work and chances are you'll get great coverage!
Article Source: http://www.1articleworld.com
By: Ajeet Khurana
When you buy a car you want to buy the best car that your money can buy but you want to make sure that your car finance program is equally as good. After you have your car you want to make sure that you have the best insurance, but of course you want to make sure that you have the best price for your great coverage.
When you are looking for car financing or for car insurance if you want to get the most for your money you will need to spend some time shopping around for the best programs out there. There is something for everyone and you don't need to pay top dollar for the best coverage.
Getting the Most for Your Money
When you are looking for car finance help you want to get the best loan that your money can buy. For some people this means having the best interest rate and for others this means that they are able to buy the car that they want. If you want the best car finance program that money can buy you first need to determine what is important for you.
To some people interest is everything so they won't accept a loan that has an interest rate of more than 7%. To other people they simply want to get into the car of their dreams, so they don't care if their interest rate is 20% as long as their monthly payment stays where it needs to be. For this reason, you need to determine what is important to you.
When you know what is important to you when it comes to car finance you will then need to start shopping around. Some lenders may require you to jump through hoops to get what you want while others will require that you simply provide them with the paperwork and financial information that is needed to process the loan. Which seems more reasonable? Everyone has a different idea of what they are willing to do for that perfect loan just as they have a different idea of what that perfect loan is.
When it comes to buying the best car insurance that money can buy, you will need to shop around, plain and simple. When it comes to car insurance there is a lot of competition out there and when you have competition that means that you are often able to get great coverage at great prices. Luckily there are a lot of websites out there that will help you compare and contrast coverage so you are sure to get the best deal.
Again, it all comes down to knowing what you want and then finding the best deal. This is different for everyone, which is why the process of getting the most for your money may require a bit of legwork on your part, but it will be worth it. Simply do a bit of work and chances are you'll get great coverage!
Article Source: http://www.1articleworld.com
1/22/2008
Five Things To Consider When Designing Your Dream Kitchen
Five Things To Consider When Designing Your Dream Kitchen
by: Jodi Leedy
Are you planning on purchasing new kitchen cabinets? Whether for a newly constructed home or for a remodeling project, consider one important factor, your kitchen is the heart of your home! It is not just a place to dine; it is also the main gathering place for family and friends and a place for entertaining. This is particularly true with today’s popular open floor plans and great room designs. Because your kitchen plays such an important part of your home there are a few things to consider in your planning process.
1) Kind in mind future buyers
Even if you are currently building your dream home, it is possible that someday you will have a need to sell your home. Or, if you are remodeling your existing home to make it more comfortable for you and your family, you may still find the need to sell it someday. Because of this, even if you aren’t ready to sell your home today you should always ponder what potential buyers would think of your kitchen cabinet selection and layout because opinions of your kitchen can drastically either increase or decrease your selling price. A practical kitchen layout is typically everyone’s goal, but cabinet styles and finishes are more of a personal choice. Are you attracted to traditional styles or more modern styles? Do you like kitchen cabinets with distinct wood grain or ones with nearly no grain? Whichever you personally prefer always keep future buyers in mind as it can play an important part in your bottom line.
2) The Work Triangle
All homeowners seek a functional workspace in the kitchen. In planning your kitchen layout it is important to consider the distance between your sink, stove and refrigerator in relationship to each other. Connecting these three workstations from their center points should create an invisible “work triangle.” According to the National Kitchen and Bath Association the sum of the three distances should be no more than 26 feet, with no single side of the triangle being less than four feet or more than nine feet. There are a couple things to consider with planning a well-designed work triangle; watch out for any triangle legs that may intersect an obstacle like an island, and make sure that no major traffic patterns cross through the work triangle. Proper planning of your “work triangle,” taking all obstacles and limitations into review, will help create a functional workspace that will be both practical for you and your future buyers.
3) Kitchen cabinet storage is key
When designing your dream kitchen it is key to consider your storage space, along with ample countertop space. Kitchen cabinet layout services are available to help you maximize your space and create the best flow of cabinetry. The first place to look for extra storage space is your corners. In small, tight kitchens a blind corner cabinet can be used to get the most use out of the corner. However, to get the most efficient use of the corner space a lazy Susan corner cabinet or easy reach cabinet should be used. These cabinet options maximize the corner space while allowing easy entry to it contents. Or try adding rollout trays in your base kitchen cabinets to help access your pots and pans, or in your pantries in order to reach cans and dry goods more easily. Another suggestion would be to include a 24” deep bridge cabinet in your kitchen cabinet layout above your refrigerator. Most people keep unused or seasonal items above the refrigerator for the simple fact that they can’t reach the cabinet. Therefore, consider a 24” deep refrigerator cabinet for easier access.
4) Use kitchen cabinets to create islands or peninsulas
Kitchen cabinets can be configured to create center islands or peninsulas. These cabinet configurations are very attractive to homeowners with an open floor plan. Using kitchen cabinets this way creates an area for a breakfast nook with the ability to pull up stools. Kitchen cabinets used in this manner instantly increases seating space, which is ideal since kitchens are typically gathering places. Islands and peninsulas also create more storage space.
5) Bells and Whistles
Just like purchasing a new vehicle, there are upgrade options to consider when purchasing your new kitchen cabinets. For example, what type of drawers do you want in your base cabinets? Will the standard particleboard drawer secured with glue and staples be sufficient? Or would you prefer an all-wood drawer constructed with dove-tailed joints? Or better yet, would you want the all-wood, dove-tailed drawer with full-extension drawer glides that include a silent close feature? Other construction upgrades can include all plywood construction, and custom depth cabinets. Besides construction upgrades there are accessory cabinets that provide you with some “bell and whistle” qualities that can give your kitchen a custom and personalized look. Give consideration to glass door cabinets for displaying your keepsakes or china dinnerware, an appliance hutch for hiding small appliances on your countertop, roll out trays for base cabinets, integrated waste baskets, corner shelves, and wine racks. When selecting your bells and whistles keep in mind both your budget and overall functionality and flow of your kitchen for optimal results.
Remember, your kitchen is the heart of your home! Success in constructing a timeless, comfortable space is creating a balance between an efficient layout and design with your personal tastes, while keeping with the end goal of adding value to your home.
About The Author
Jodi Leedy is the Internet Marketing Manager of Accent Building Products, a leading direct distributor of Marsh Furniture kitchen and bath cabinetry. Accent Building Products can be found online at: http://www.accentbuildingproducts.com/.
1) Kind in mind future buyers
Even if you are currently building your dream home, it is possible that someday you will have a need to sell your home. Or, if you are remodeling your existing home to make it more comfortable for you and your family, you may still find the need to sell it someday. Because of this, even if you aren’t ready to sell your home today you should always ponder what potential buyers would think of your kitchen cabinet selection and layout because opinions of your kitchen can drastically either increase or decrease your selling price. A practical kitchen layout is typically everyone’s goal, but cabinet styles and finishes are more of a personal choice. Are you attracted to traditional styles or more modern styles? Do you like kitchen cabinets with distinct wood grain or ones with nearly no grain? Whichever you personally prefer always keep future buyers in mind as it can play an important part in your bottom line.
2) The Work Triangle
All homeowners seek a functional workspace in the kitchen. In planning your kitchen layout it is important to consider the distance between your sink, stove and refrigerator in relationship to each other. Connecting these three workstations from their center points should create an invisible “work triangle.” According to the National Kitchen and Bath Association the sum of the three distances should be no more than 26 feet, with no single side of the triangle being less than four feet or more than nine feet. There are a couple things to consider with planning a well-designed work triangle; watch out for any triangle legs that may intersect an obstacle like an island, and make sure that no major traffic patterns cross through the work triangle. Proper planning of your “work triangle,” taking all obstacles and limitations into review, will help create a functional workspace that will be both practical for you and your future buyers.
3) Kitchen cabinet storage is key
When designing your dream kitchen it is key to consider your storage space, along with ample countertop space. Kitchen cabinet layout services are available to help you maximize your space and create the best flow of cabinetry. The first place to look for extra storage space is your corners. In small, tight kitchens a blind corner cabinet can be used to get the most use out of the corner. However, to get the most efficient use of the corner space a lazy Susan corner cabinet or easy reach cabinet should be used. These cabinet options maximize the corner space while allowing easy entry to it contents. Or try adding rollout trays in your base kitchen cabinets to help access your pots and pans, or in your pantries in order to reach cans and dry goods more easily. Another suggestion would be to include a 24” deep bridge cabinet in your kitchen cabinet layout above your refrigerator. Most people keep unused or seasonal items above the refrigerator for the simple fact that they can’t reach the cabinet. Therefore, consider a 24” deep refrigerator cabinet for easier access.
4) Use kitchen cabinets to create islands or peninsulas
Kitchen cabinets can be configured to create center islands or peninsulas. These cabinet configurations are very attractive to homeowners with an open floor plan. Using kitchen cabinets this way creates an area for a breakfast nook with the ability to pull up stools. Kitchen cabinets used in this manner instantly increases seating space, which is ideal since kitchens are typically gathering places. Islands and peninsulas also create more storage space.
5) Bells and Whistles
Just like purchasing a new vehicle, there are upgrade options to consider when purchasing your new kitchen cabinets. For example, what type of drawers do you want in your base cabinets? Will the standard particleboard drawer secured with glue and staples be sufficient? Or would you prefer an all-wood drawer constructed with dove-tailed joints? Or better yet, would you want the all-wood, dove-tailed drawer with full-extension drawer glides that include a silent close feature? Other construction upgrades can include all plywood construction, and custom depth cabinets. Besides construction upgrades there are accessory cabinets that provide you with some “bell and whistle” qualities that can give your kitchen a custom and personalized look. Give consideration to glass door cabinets for displaying your keepsakes or china dinnerware, an appliance hutch for hiding small appliances on your countertop, roll out trays for base cabinets, integrated waste baskets, corner shelves, and wine racks. When selecting your bells and whistles keep in mind both your budget and overall functionality and flow of your kitchen for optimal results.
Remember, your kitchen is the heart of your home! Success in constructing a timeless, comfortable space is creating a balance between an efficient layout and design with your personal tastes, while keeping with the end goal of adding value to your home.
About The Author
Jodi Leedy is the Internet Marketing Manager of Accent Building Products, a leading direct distributor of Marsh Furniture kitchen and bath cabinetry. Accent Building Products can be found online at: http://www.accentbuildingproducts.com/.
1/21/2008
Car Insurance
Car Insurance - How can you lower your premiums?
By: Michael Challiner
Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.
Consolidating policiesBy insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a 'bulk buy' discount.
LocationA big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
ExcessBy agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your VehicleThe cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance - you may be able to buy the car but can you afford to run it?
MileageYou can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!
ParkingWhere you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
SecuritySecurity devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims DiscountSave up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Advanced driving skillsBy taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums.
Two key variables NOT within the policyholder's control.
Your SexWomen are statistically less likely to have an accident and, if they do, it's less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.
Your AgeThe older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.
Author BioMichael Challiner has 15 years experience in financial services marketing at senior level. Michael now works as the editor of www.life-assurance-bureau.co.uk/car-insurance/
Article Source: http://www.ArticleGeek.com
By: Michael Challiner
Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.
Consolidating policiesBy insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a 'bulk buy' discount.
LocationA big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
ExcessBy agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your VehicleThe cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance - you may be able to buy the car but can you afford to run it?
MileageYou can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!
ParkingWhere you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
SecuritySecurity devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims DiscountSave up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Advanced driving skillsBy taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums.
Two key variables NOT within the policyholder's control.
Your SexWomen are statistically less likely to have an accident and, if they do, it's less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.
Your AgeThe older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.
Author BioMichael Challiner has 15 years experience in financial services marketing at senior level. Michael now works as the editor of www.life-assurance-bureau.co.uk/car-insurance/
Article Source: http://www.ArticleGeek.com
1/15/2008
Wireless Home Security is Well Worth Considering
Wireless Home Security is Well Worth Considering
By: Sam Ellis..
When you decide that you want to purchase a wireless home security system, you then have to figure out how you are going to install it in your home. Do you hire someone or do you attempt to do it yourself? Installing a wireless home security system is not as difficult as it may seem, and you may get to test out your handyman skills in the process. If you decide to take on the challenge of installing your own alarm system, learn the basics first.
Wireless home security electronics have few parts, but that does not mean that you should ignore the packaged directions. Most of the wireless home security systems can be installed with the everyday tools that you find in your garage, but no one wants to make a mistake. You must first decide where you want the control panel to go. The only constraints for a control panel are that it must be near an electrical outlet. However, where you place your control panel can make a difference because you don't want a control panel easily reached by a predator who could smash it the instant he or she breaks in, and you don't want any sound of the alarm to be muffled by the alarm being concealed.
Next, you will want to install the control panel. Even though your home security alarm system is labeled wireless, there will be a wire of some sort, so don't be fooled by names. You will need to drill a hole behind the control panel, and then another one below the outlet so that you can connect the two. If you are concerned about your abilities when it comes to wiring, don't worry, the wireless security systems usually come with a battery that will act as a backup in case the power goes out or the device is unplugged.
The siren and control panel programming will be the next step on your list. You will need an electrical outlet for the siren just like the control panel. Typically, in order to program your sirens, you will be able to use a common screwdriver. However, all systems are not created equal, so you will need to check with the manufacturers instruction packet when dealing with this step. The control panel programming will be easier if you locate the spreadsheet with step-by-step instructions in working with your keypad. Remember not to throw away any of the paper materials that come into the package with your system. There should be a manifest on the first page of the instruction booklet. If you feel like you are missing something, call the manufacturer's help line and they will send you another one in the mail.
After you have finished all of the programming needed, you will need to install the sensors. Sensors are usually placed on windows and doorways. It is not a problem if these are visible because it may let an intruder know that you have an alarm and prevent any windows being broken. The sensors are usually plastic and can be installed with an electric screwdriver.
When you install your wireless home security system, you may feel a little uneasy about your abilities. The best final step to take is to test your alarm system before trusting it to protect your home. It would be disheartening to put in hard work only to have your home broken into the following weekend. Remember that there are a lot of choices out there, and the Internet has many sites that can let you know the prices and ratings of all home security products so that you don't get stuck with a product that you don' t want or need.
Article Source: http://www.1articleworld.com
By: Sam Ellis..
When you decide that you want to purchase a wireless home security system, you then have to figure out how you are going to install it in your home. Do you hire someone or do you attempt to do it yourself? Installing a wireless home security system is not as difficult as it may seem, and you may get to test out your handyman skills in the process. If you decide to take on the challenge of installing your own alarm system, learn the basics first.
Wireless home security electronics have few parts, but that does not mean that you should ignore the packaged directions. Most of the wireless home security systems can be installed with the everyday tools that you find in your garage, but no one wants to make a mistake. You must first decide where you want the control panel to go. The only constraints for a control panel are that it must be near an electrical outlet. However, where you place your control panel can make a difference because you don't want a control panel easily reached by a predator who could smash it the instant he or she breaks in, and you don't want any sound of the alarm to be muffled by the alarm being concealed.
Next, you will want to install the control panel. Even though your home security alarm system is labeled wireless, there will be a wire of some sort, so don't be fooled by names. You will need to drill a hole behind the control panel, and then another one below the outlet so that you can connect the two. If you are concerned about your abilities when it comes to wiring, don't worry, the wireless security systems usually come with a battery that will act as a backup in case the power goes out or the device is unplugged.
The siren and control panel programming will be the next step on your list. You will need an electrical outlet for the siren just like the control panel. Typically, in order to program your sirens, you will be able to use a common screwdriver. However, all systems are not created equal, so you will need to check with the manufacturers instruction packet when dealing with this step. The control panel programming will be easier if you locate the spreadsheet with step-by-step instructions in working with your keypad. Remember not to throw away any of the paper materials that come into the package with your system. There should be a manifest on the first page of the instruction booklet. If you feel like you are missing something, call the manufacturer's help line and they will send you another one in the mail.
After you have finished all of the programming needed, you will need to install the sensors. Sensors are usually placed on windows and doorways. It is not a problem if these are visible because it may let an intruder know that you have an alarm and prevent any windows being broken. The sensors are usually plastic and can be installed with an electric screwdriver.
When you install your wireless home security system, you may feel a little uneasy about your abilities. The best final step to take is to test your alarm system before trusting it to protect your home. It would be disheartening to put in hard work only to have your home broken into the following weekend. Remember that there are a lot of choices out there, and the Internet has many sites that can let you know the prices and ratings of all home security products so that you don't get stuck with a product that you don' t want or need.
Article Source: http://www.1articleworld.com
1/14/2008
Homeowner Loans
Homeowner loans – enjoy your status
By: Aisha
Your home is one of the biggest assets that you possess. It is indeed an asset on which you can bank upon in financial adversities. You can raise loans against your home at very low rates. There are many lenders in the UK financial market who can provide loans against your home.
Every loan has some special features. Before borrowing any money, you should decide which loan is suitable for your needs. If you want a long term loan then you should opt for homeowner loans. These loans won’t make a big hole in your pocket. Lenders provide such loans at very competitive rates and also allow you a long repayment period.
Homeowner loans can satisfy most of your expectations – a low rate, flexibility in repayment and extended loan period. By pledging your home, you can get up to £250,000 in the form of secured homeowner loans. Some lenders also offer you a choice between variable and fixed rate of interest. You can also get benefits in the form of repayment holidays, deferred repayments, accelerated repayments, etc. All these relaxations help you in the repayment of homeowner loans with a lot of flexibility.
Every thing is not hunky dory with homeowner loans. When you pledge your home, you should know that any default in repayment may lead to repossession of your home. Another thing not in favour of homeowner loans is that lenders take quite a long time in processing such loans.
If you want some protection in case of secured homeowner loans, you can opt for payment protection insurance policy. This is entirely an optional facility provided by insurers. You have to pay premium for getting this protection. When you take loan by pledging your home, there is always a fear or repossession in the mind. This payment protection policy covers your repayments in some events like job loss, illness, permanent disability to work, etc.
Article Source: http://www.1articleworld.com
By: Aisha
Your home is one of the biggest assets that you possess. It is indeed an asset on which you can bank upon in financial adversities. You can raise loans against your home at very low rates. There are many lenders in the UK financial market who can provide loans against your home.
Every loan has some special features. Before borrowing any money, you should decide which loan is suitable for your needs. If you want a long term loan then you should opt for homeowner loans. These loans won’t make a big hole in your pocket. Lenders provide such loans at very competitive rates and also allow you a long repayment period.
Homeowner loans can satisfy most of your expectations – a low rate, flexibility in repayment and extended loan period. By pledging your home, you can get up to £250,000 in the form of secured homeowner loans. Some lenders also offer you a choice between variable and fixed rate of interest. You can also get benefits in the form of repayment holidays, deferred repayments, accelerated repayments, etc. All these relaxations help you in the repayment of homeowner loans with a lot of flexibility.
Every thing is not hunky dory with homeowner loans. When you pledge your home, you should know that any default in repayment may lead to repossession of your home. Another thing not in favour of homeowner loans is that lenders take quite a long time in processing such loans.
If you want some protection in case of secured homeowner loans, you can opt for payment protection insurance policy. This is entirely an optional facility provided by insurers. You have to pay premium for getting this protection. When you take loan by pledging your home, there is always a fear or repossession in the mind. This payment protection policy covers your repayments in some events like job loss, illness, permanent disability to work, etc.
Article Source: http://www.1articleworld.com
Bad Credit Car Loans are Booming
Bad Credit Car Loans are Booming
By: seanman
Car loans offer lenders a big ticket item with limited risk. While a lender's risks their entire investment on an unsecured personal loan, a car loan represents less risk since the lender can take possession of the car if the loan is defaulted.
Divorce often leads to bankruptcy and will impact on a consumer's credit score long after they have recovered financially. Specialized lenders have recognized that a poor credit score may not reflect on a consumer ability to make payments and have placed less emphasis on credit history and more emphasis on ability to pay.
National and regional lenders have emerged to service the very competitive bad credit car loan market referred to as the "Special Finance" or "Sub-prime" market. These lenders have further divided the "Special Finance" market up into different levels of risks to such an extent that there are lender's who has specifically targeted the most credit challenged consumer with the highest risk. The good new is that no matter what your credit circumstances are, there is probably a lender out there for you.
Another phenomenon is the independent credit service that will process your request for credit and forward it to the lender that is most likely to approve the request. These services usually work with a car dealer who have access to both National and Regional lenders.
The Online Credit Application The independent credit service has successfully introduced the online credit application to the market. The online credit application offers a no hassle approach to applying for credit. Anyone who has sat in front of a loans officer and had to explain their credit history will find the online credit application a blessing. If you decide to complete an online credit application make sure that it is secure. Look for a security certificate. Comodo and Verisign are two companies that offer security certificates that I am familiar with. You should also look for a privacy policy to guarantee that your personal information will not be shared or sold.
A car loan is a big ticket item that can help rebuild your credit score. Some lenders will offer programs that will reduce your rate or allow you to renegotiate after a specified length of time if you have not missed or been late on a payment.
There are many lenders who specialize in products and services for consumers that have troubled financial histories including bankruptcy. An independent service will provide an online credit application and will give you access to network of lenders. Simply enter "car loans" in search box of your favorite search engine. Most of these service offer tools like loan and budget calculators.
What You Can Do The first step before shopping for a car loan is to evaluate your financial situation. By determining your income to debt ratio you can see what kind of monthly payment is feasible for you. You do not want to be overburdened by payments and find yourself in trouble again. Next you may want to check your credit rating and clean it up where possible. Your credit score is negatively affected by late payments, high debt to income ratio and past bankruptcy. Close any accounts that are not in use. Too many open accounts are a negative. Pay up any outstanding debts. If you have recently filed for bankruptcy and there are extenuating circumstances such as a lay off or divorce, consider writing a page of explanation to attach to your report.
Regardless of your past credit history there is almost always a lender who is willing to provide you with a car loan. The question is how much are you willing to pay for that loan? A few extra percentage points are worth the opportunity to rebuild your credit. But be sure that your financial house is in order before you apply so that you can qualify for the best rate and terms your current financial circumstance will allow.
Article Source: file://www.1articleworld.com
By: seanman
Car loans offer lenders a big ticket item with limited risk. While a lender's risks their entire investment on an unsecured personal loan, a car loan represents less risk since the lender can take possession of the car if the loan is defaulted.
Divorce often leads to bankruptcy and will impact on a consumer's credit score long after they have recovered financially. Specialized lenders have recognized that a poor credit score may not reflect on a consumer ability to make payments and have placed less emphasis on credit history and more emphasis on ability to pay.
National and regional lenders have emerged to service the very competitive bad credit car loan market referred to as the "Special Finance" or "Sub-prime" market. These lenders have further divided the "Special Finance" market up into different levels of risks to such an extent that there are lender's who has specifically targeted the most credit challenged consumer with the highest risk. The good new is that no matter what your credit circumstances are, there is probably a lender out there for you.
Another phenomenon is the independent credit service that will process your request for credit and forward it to the lender that is most likely to approve the request. These services usually work with a car dealer who have access to both National and Regional lenders.
The Online Credit Application The independent credit service has successfully introduced the online credit application to the market. The online credit application offers a no hassle approach to applying for credit. Anyone who has sat in front of a loans officer and had to explain their credit history will find the online credit application a blessing. If you decide to complete an online credit application make sure that it is secure. Look for a security certificate. Comodo and Verisign are two companies that offer security certificates that I am familiar with. You should also look for a privacy policy to guarantee that your personal information will not be shared or sold.
A car loan is a big ticket item that can help rebuild your credit score. Some lenders will offer programs that will reduce your rate or allow you to renegotiate after a specified length of time if you have not missed or been late on a payment.
There are many lenders who specialize in products and services for consumers that have troubled financial histories including bankruptcy. An independent service will provide an online credit application and will give you access to network of lenders. Simply enter "car loans" in search box of your favorite search engine. Most of these service offer tools like loan and budget calculators.
What You Can Do The first step before shopping for a car loan is to evaluate your financial situation. By determining your income to debt ratio you can see what kind of monthly payment is feasible for you. You do not want to be overburdened by payments and find yourself in trouble again. Next you may want to check your credit rating and clean it up where possible. Your credit score is negatively affected by late payments, high debt to income ratio and past bankruptcy. Close any accounts that are not in use. Too many open accounts are a negative. Pay up any outstanding debts. If you have recently filed for bankruptcy and there are extenuating circumstances such as a lay off or divorce, consider writing a page of explanation to attach to your report.
Regardless of your past credit history there is almost always a lender who is willing to provide you with a car loan. The question is how much are you willing to pay for that loan? A few extra percentage points are worth the opportunity to rebuild your credit. But be sure that your financial house is in order before you apply so that you can qualify for the best rate and terms your current financial circumstance will allow.
Article Source: file://www.1articleworld.com
Bad Credit Car Loans are Booming
Bad Credit Car Loans are Booming
By: seanman
Car loans offer lenders a big ticket item with limited risk. While a lender's risks their entire investment on an unsecured personal loan, a car loan represents less risk since the lender can take possession of the car if the loan is defaulted.
Divorce often leads to bankruptcy and will impact on a consumer's credit score long after they have recovered financially. Specialized lenders have recognized that a poor credit score may not reflect on a consumer ability to make payments and have placed less emphasis on credit history and more emphasis on ability to pay.
National and regional lenders have emerged to service the very competitive bad credit car loan market referred to as the "Special Finance" or "Sub-prime" market. These lenders have further divided the "Special Finance" market up into different levels of risks to such an extent that there are lender's who has specifically targeted the most credit challenged consumer with the highest risk. The good new is that no matter what your credit circumstances are, there is probably a lender out there for you.
Another phenomenon is the independent credit service that will process your request for credit and forward it to the lender that is most likely to approve the request. These services usually work with a car dealer who have access to both National and Regional lenders.
The Online Credit Application The independent credit service has successfully introduced the online credit application to the market. The online credit application offers a no hassle approach to applying for credit. Anyone who has sat in front of a loans officer and had to explain their credit history will find the online credit application a blessing. If you decide to complete an online credit application make sure that it is secure. Look for a security certificate. Comodo and Verisign are two companies that offer security certificates that I am familiar with. You should also look for a privacy policy to guarantee that your personal information will not be shared or sold.
A car loan is a big ticket item that can help rebuild your credit score. Some lenders will offer programs that will reduce your rate or allow you to renegotiate after a specified length of time if you have not missed or been late on a payment.
There are many lenders who specialize in products and services for consumers that have troubled financial histories including bankruptcy. An independent service will provide an online credit application and will give you access to network of lenders. Simply enter "car loans" in search box of your favorite search engine. Most of these service offer tools like loan and budget calculators.
What You Can Do The first step before shopping for a car loan is to evaluate your financial situation. By determining your income to debt ratio you can see what kind of monthly payment is feasible for you. You do not want to be overburdened by payments and find yourself in trouble again. Next you may want to check your credit rating and clean it up where possible. Your credit score is negatively affected by late payments, high debt to income ratio and past bankruptcy. Close any accounts that are not in use. Too many open accounts are a negative. Pay up any outstanding debts. If you have recently filed for bankruptcy and there are extenuating circumstances such as a lay off or divorce, consider writing a page of explanation to attach to your report.
Regardless of your past credit history there is almost always a lender who is willing to provide you with a car loan. The question is how much are you willing to pay for that loan? A few extra percentage points are worth the opportunity to rebuild your credit. But be sure that your financial house is in order before you apply so that you can qualify for the best rate and terms your current financial circumstance will allow.
Article Source: file://www.1articleworld.com
By: seanman
Car loans offer lenders a big ticket item with limited risk. While a lender's risks their entire investment on an unsecured personal loan, a car loan represents less risk since the lender can take possession of the car if the loan is defaulted.
Divorce often leads to bankruptcy and will impact on a consumer's credit score long after they have recovered financially. Specialized lenders have recognized that a poor credit score may not reflect on a consumer ability to make payments and have placed less emphasis on credit history and more emphasis on ability to pay.
National and regional lenders have emerged to service the very competitive bad credit car loan market referred to as the "Special Finance" or "Sub-prime" market. These lenders have further divided the "Special Finance" market up into different levels of risks to such an extent that there are lender's who has specifically targeted the most credit challenged consumer with the highest risk. The good new is that no matter what your credit circumstances are, there is probably a lender out there for you.
Another phenomenon is the independent credit service that will process your request for credit and forward it to the lender that is most likely to approve the request. These services usually work with a car dealer who have access to both National and Regional lenders.
The Online Credit Application The independent credit service has successfully introduced the online credit application to the market. The online credit application offers a no hassle approach to applying for credit. Anyone who has sat in front of a loans officer and had to explain their credit history will find the online credit application a blessing. If you decide to complete an online credit application make sure that it is secure. Look for a security certificate. Comodo and Verisign are two companies that offer security certificates that I am familiar with. You should also look for a privacy policy to guarantee that your personal information will not be shared or sold.
A car loan is a big ticket item that can help rebuild your credit score. Some lenders will offer programs that will reduce your rate or allow you to renegotiate after a specified length of time if you have not missed or been late on a payment.
There are many lenders who specialize in products and services for consumers that have troubled financial histories including bankruptcy. An independent service will provide an online credit application and will give you access to network of lenders. Simply enter "car loans" in search box of your favorite search engine. Most of these service offer tools like loan and budget calculators.
What You Can Do The first step before shopping for a car loan is to evaluate your financial situation. By determining your income to debt ratio you can see what kind of monthly payment is feasible for you. You do not want to be overburdened by payments and find yourself in trouble again. Next you may want to check your credit rating and clean it up where possible. Your credit score is negatively affected by late payments, high debt to income ratio and past bankruptcy. Close any accounts that are not in use. Too many open accounts are a negative. Pay up any outstanding debts. If you have recently filed for bankruptcy and there are extenuating circumstances such as a lay off or divorce, consider writing a page of explanation to attach to your report.
Regardless of your past credit history there is almost always a lender who is willing to provide you with a car loan. The question is how much are you willing to pay for that loan? A few extra percentage points are worth the opportunity to rebuild your credit. But be sure that your financial house is in order before you apply so that you can qualify for the best rate and terms your current financial circumstance will allow.
Article Source: file://www.1articleworld.com
1/12/2008
Steps to Financial Empowerment
Steps to Financial Empowerment
Submitted by: Suzi Gravenstuk
--------------------------------------------------------------------------------
Subtly, in the back of your mind, you may be wishing for a different home for whatever reason. You're driving around and suddenly the perfect home appears right before your eyes. You may right down the number to call later, or you may be so excited you immediately call the listing agent from your cell phone. It doesn't hurt to get information and start getting an idea of what price range you ideal home will fall in.
Before you start seriously looking, making calls to REALTORS, circling ads, there are some Pre pre-liminary, common sense easy steps you can take to empower youreself and strengthen your position.
#1: Don't wait for a lender to pull your credit report. Do it yourself. If you have not yet received your Big 3 free credit reports for the year--go ahead and order them . In the mean time, sit tight. Try to hold off on big purchases by credit, keep making timely payments for more than the minimum payment due. When your credit report comes in, go through it with a fine tooth comb. Go to work on errors right away.
#2: Your credit reports are only part of the story. You may hear general questions from agents, and for sale by owners. ...How is your credit? To answer that like the empowered person you are, or will be--you should get your credit scores and understand the rating system. Get your FICO scores here. Take time to go through the site. The first page will show you the ratio of your credit score to interest rates. If you haven't checked this before, it could be a real eye opener--which is the intention.
#3: Now that you have credit reports, you've been working on errors, and you have a good feel for what your scores are and general corresponding interest rates, Pre-qualify yourself. There are many excellent sites that help with budgets and pre-qualifying for the amount of home you can afford. Following are some of my favorites:
http://hud.gov , http://crown.org , http://exodusnetwork.org , http://keystomynewhome.org
#4: After these steps, you should know for yourself how things will flow. If you believe your financial picture merits going to the next step: research lenders and loans. It is easy to pre-qualify over the Internet; I suggest giving trusted local lenders a chance to work with you first. You may want to begin interviewing Real Estate Agents. Although you are not ready to begin previewing homes yet, agents may have local lending contacts to recommend. Remember, you are empowered. You are in the driver seat. You are the Boss.
#5: When you find a lender you are comfortable with, pre-qualify with them and work towards pre-authorization (Be ready to supply documentation).
Of course there are many more little steps towards acquiring the home you can afford. These are the first steps.
If you have not already empowered yourself, please do so.
Submitted by: Suzi Gravenstuk
--------------------------------------------------------------------------------
Subtly, in the back of your mind, you may be wishing for a different home for whatever reason. You're driving around and suddenly the perfect home appears right before your eyes. You may right down the number to call later, or you may be so excited you immediately call the listing agent from your cell phone. It doesn't hurt to get information and start getting an idea of what price range you ideal home will fall in.
Before you start seriously looking, making calls to REALTORS, circling ads, there are some Pre pre-liminary, common sense easy steps you can take to empower youreself and strengthen your position.
#1: Don't wait for a lender to pull your credit report. Do it yourself. If you have not yet received your Big 3 free credit reports for the year--go ahead and order them . In the mean time, sit tight. Try to hold off on big purchases by credit, keep making timely payments for more than the minimum payment due. When your credit report comes in, go through it with a fine tooth comb. Go to work on errors right away.
#2: Your credit reports are only part of the story. You may hear general questions from agents, and for sale by owners. ...How is your credit? To answer that like the empowered person you are, or will be--you should get your credit scores and understand the rating system. Get your FICO scores here. Take time to go through the site. The first page will show you the ratio of your credit score to interest rates. If you haven't checked this before, it could be a real eye opener--which is the intention.
#3: Now that you have credit reports, you've been working on errors, and you have a good feel for what your scores are and general corresponding interest rates, Pre-qualify yourself. There are many excellent sites that help with budgets and pre-qualifying for the amount of home you can afford. Following are some of my favorites:
http://hud.gov , http://crown.org , http://exodusnetwork.org , http://keystomynewhome.org
#4: After these steps, you should know for yourself how things will flow. If you believe your financial picture merits going to the next step: research lenders and loans. It is easy to pre-qualify over the Internet; I suggest giving trusted local lenders a chance to work with you first. You may want to begin interviewing Real Estate Agents. Although you are not ready to begin previewing homes yet, agents may have local lending contacts to recommend. Remember, you are empowered. You are in the driver seat. You are the Boss.
#5: When you find a lender you are comfortable with, pre-qualify with them and work towards pre-authorization (Be ready to supply documentation).
Of course there are many more little steps towards acquiring the home you can afford. These are the first steps.
If you have not already empowered yourself, please do so.
1/11/2008
Get Help with Socal Insurance Online
Get Help with SoCal Insurance Online
By Karen Fountain On December 5, 2007 In Insurance 26 Viewings Rated Fountain Insurance Agency also specializes on Ca self employed health insurance. Consumers who have availed of West Hills health insurance have stated that the service that the organization provides is efficient. Health care is provided all peoples and all countries. The fact is health care systems vary from one country to another. But not all health care is carried out by way of a health care system. Whatever the techniques and approaches, the California health and medical insurance method is trying to ease the accessibility, efficiency and quality. This is to give value to the money of not just a handful but almost all members and prospective members in California. Health insurance can be difficult. To this problem, online California health and medical insurance companies have an online process to inform the individuals or groups on what plans that work best for them. The prospective members will be equipped with the knowledge they necessitate. Some major carriers have been in the business for so long that their reputation is unquestionable. California denizens have been provided with matchless choice and adaptableness in compliance with their health plan needs. These choices persistently polish up to improve admittance to quality and cost effective California health care. Within the major carriers online sites any visitor can explore health and medical insurance options. The visitors are also afforded the chance to locate healthcare providers, pharmacies or insurance agents. And can finally download plan enrollment forms at their expediency. The California health and medical insurance carriers online welcome your insurance questions and give out information to better help Californians understand their health insurance options. They will be able to compare the different selections out there in the health insurance market. Knowing the different California health and medical insurance quote can be best because this gives an opportunity for buyers the chance to make comparisons. The best California health insurance quote is crucial. This will afford the insured some savings on their health insurance to be used for other expenses not covered. Blue Cross has been touted to be at par with the best major carriers. The insurance quote of this company is one that is cost effective and reasonable. Californians need not hassled by high prices and cost of health care. It is to the best interest of the people to get quality California health and medical insurance. It is humane to help them out in their hour of health and medical need. Affordable California health insurance quote is one solution that can be offered. Te people should be able to come into contact with the California health insurance market with assurance and not leave them going nuts. It is an undeniable fact that the average person is hospitalized once or twice or even more in his lifetime. Money can be sometimes scarce or is not just enough to cover hospital bills. California health and medical insurance can counterbalance and weigh down burdens brought about by healthcare and needs. Blue Cross of California has proven to be on the move forward with cost effective health insurance quote. This contributes greatly for the comparative advantage of major carriers in California. But each carrier is different in its plan options, to qualify and approval.
Fountain Insurance Agency also specializes on Ca self employed health insurance . Consumers who have availed of West Hills health insurance have stated that the service that the organization provides is efficient.
By Karen Fountain On December 5, 2007 In Insurance 26 Viewings Rated Fountain Insurance Agency also specializes on Ca self employed health insurance. Consumers who have availed of West Hills health insurance have stated that the service that the organization provides is efficient. Health care is provided all peoples and all countries. The fact is health care systems vary from one country to another. But not all health care is carried out by way of a health care system. Whatever the techniques and approaches, the California health and medical insurance method is trying to ease the accessibility, efficiency and quality. This is to give value to the money of not just a handful but almost all members and prospective members in California. Health insurance can be difficult. To this problem, online California health and medical insurance companies have an online process to inform the individuals or groups on what plans that work best for them. The prospective members will be equipped with the knowledge they necessitate. Some major carriers have been in the business for so long that their reputation is unquestionable. California denizens have been provided with matchless choice and adaptableness in compliance with their health plan needs. These choices persistently polish up to improve admittance to quality and cost effective California health care. Within the major carriers online sites any visitor can explore health and medical insurance options. The visitors are also afforded the chance to locate healthcare providers, pharmacies or insurance agents. And can finally download plan enrollment forms at their expediency. The California health and medical insurance carriers online welcome your insurance questions and give out information to better help Californians understand their health insurance options. They will be able to compare the different selections out there in the health insurance market. Knowing the different California health and medical insurance quote can be best because this gives an opportunity for buyers the chance to make comparisons. The best California health insurance quote is crucial. This will afford the insured some savings on their health insurance to be used for other expenses not covered. Blue Cross has been touted to be at par with the best major carriers. The insurance quote of this company is one that is cost effective and reasonable. Californians need not hassled by high prices and cost of health care. It is to the best interest of the people to get quality California health and medical insurance. It is humane to help them out in their hour of health and medical need. Affordable California health insurance quote is one solution that can be offered. Te people should be able to come into contact with the California health insurance market with assurance and not leave them going nuts. It is an undeniable fact that the average person is hospitalized once or twice or even more in his lifetime. Money can be sometimes scarce or is not just enough to cover hospital bills. California health and medical insurance can counterbalance and weigh down burdens brought about by healthcare and needs. Blue Cross of California has proven to be on the move forward with cost effective health insurance quote. This contributes greatly for the comparative advantage of major carriers in California. But each carrier is different in its plan options, to qualify and approval.
Fountain Insurance Agency also specializes on Ca self employed health insurance . Consumers who have availed of West Hills health insurance have stated that the service that the organization provides is efficient.
Bad Credit Loan
Mortgage Refinance Bad Credit Loan
By Uchenna Ani-Okoye On October 12, 2007 In Mortgage-Refinance 44 Viewings Rated In this article, you will be provided information to help you understand what options you've available to you when it comes to the matter of debt consolidation loan and mortgage refinance options.
The fact is millions of Americans with bad credit; refinance their home mortgage loans every year, using sub prime mortgage refinance loans. Virginia mortgage refinance loans can be used to pay off either the first or second Virginia mortgages. Finding a California sub prime mortgage refinance loan lender requires research.
By doing a price and cost comparison, by taking the time to shop around, you will be able to find a debt consolidation loan and mortgage refinance option that will actually meet your needs. You usually will not have to pay anything to the broker to aid you in finding a debt consolidation loan and mortgage refinance options that you can consider. You will want to make certain that you are dealing with a debt consolidation loan and mortgage refinance lender that is experienced, reputable and reliable.
These lenders have dedicated staffs, who work with consumers that have low credit scores, seeking mortgage refinance loans. The most popular options for bad credit home loans are cash out mortgage refinance and home equity loans. When it comes to debt consolidation loan and mortgage refinance options, you will want to keep in mind the very lender through which you have your current mortgage.
A bad credit mortgage refinance may be possible for you. Bad Credit Lenders provide poor credit mortgage refinance loans, bad credit home loans, and hard money loans. You can access these types of lenders that specialise in debt consolidation loan and mortgage refinance options both online and in the real world.
If you decide that mortgage refinancing is your best option, then pay careful attention to the mortgage refinance rate. The big question is 'can you get a mortgage refinance loan with a low credit score'. A Virginia mortgage refinance loan is a good solution for those individuals in Virginia who cannot meet their monthly mortgage loan payments.
Yes - it is a true that a person with a credit score above 670 will find it easier to get a mortgage refinance loan than a person with a low credit score - but this is doesn't mean that you cannot find a loan. As the value of your home increases and the balance on your home decreases, you may be eligible to remove your PMI with a mortgage refinance loan. When you get the bad credit mortgage refinance you are using your house as collateral.
You will be able to find the debt consolidation loan and mortgage refinance option that makes the most economic and financial sense for you, a loan package that will work for you today and down the road into the future as well.
If you’d like access to more information and resource links pertaining Mortgage Refinancing, then check out my site at: Mortgage Refinancing
By Uchenna Ani-Okoye On October 12, 2007 In Mortgage-Refinance 44 Viewings Rated In this article, you will be provided information to help you understand what options you've available to you when it comes to the matter of debt consolidation loan and mortgage refinance options.
The fact is millions of Americans with bad credit; refinance their home mortgage loans every year, using sub prime mortgage refinance loans. Virginia mortgage refinance loans can be used to pay off either the first or second Virginia mortgages. Finding a California sub prime mortgage refinance loan lender requires research.
By doing a price and cost comparison, by taking the time to shop around, you will be able to find a debt consolidation loan and mortgage refinance option that will actually meet your needs. You usually will not have to pay anything to the broker to aid you in finding a debt consolidation loan and mortgage refinance options that you can consider. You will want to make certain that you are dealing with a debt consolidation loan and mortgage refinance lender that is experienced, reputable and reliable.
These lenders have dedicated staffs, who work with consumers that have low credit scores, seeking mortgage refinance loans. The most popular options for bad credit home loans are cash out mortgage refinance and home equity loans. When it comes to debt consolidation loan and mortgage refinance options, you will want to keep in mind the very lender through which you have your current mortgage.
A bad credit mortgage refinance may be possible for you. Bad Credit Lenders provide poor credit mortgage refinance loans, bad credit home loans, and hard money loans. You can access these types of lenders that specialise in debt consolidation loan and mortgage refinance options both online and in the real world.
If you decide that mortgage refinancing is your best option, then pay careful attention to the mortgage refinance rate. The big question is 'can you get a mortgage refinance loan with a low credit score'. A Virginia mortgage refinance loan is a good solution for those individuals in Virginia who cannot meet their monthly mortgage loan payments.
Yes - it is a true that a person with a credit score above 670 will find it easier to get a mortgage refinance loan than a person with a low credit score - but this is doesn't mean that you cannot find a loan. As the value of your home increases and the balance on your home decreases, you may be eligible to remove your PMI with a mortgage refinance loan. When you get the bad credit mortgage refinance you are using your house as collateral.
You will be able to find the debt consolidation loan and mortgage refinance option that makes the most economic and financial sense for you, a loan package that will work for you today and down the road into the future as well.
If you’d like access to more information and resource links pertaining Mortgage Refinancing, then check out my site at: Mortgage Refinancing
1/10/2008
Car Leasing Trend
Car Leasing Trend: The New VW Golf
By: Daniel Lamb
One look at the new Volkswagen Golf and you will notice that the car leasing trend in most hatchbacks is veering towards a more modern look for all types of vehicles. However, the Golf is not your typical hatchback; so not typical that we won’t be seeing much of it until 2009. It seems the car leasing trend for this model was put aside when VW recently assigned a new boss to take control of the company. And take over he did, starting with a review of all future plans for all models under the VW flag.
Now, while this may explain a lot about the delayed and anticipated release of the new VW Golf, it doesn’t explain why designers have gone through the car leasing trend of making it look like a VW Scirocco. This, however, tells us that there have been physical changes to the new Golf, especially how it looks like from the front of the vehicle. These are, of course, just prototype looks and much can be changed before it goes into production before the 2009 release.
The Golf 2009 from the rear, however, will retain much of its shape. It will be slightly raised and will sport a vertical tailgate. Sporty and a little square, the risen back also hints that passengers in the back will most definitely have more headroom. This is actually quite obvious from the outside as the new Golf does seem a little chunkier than older models. However, this seems to be the car leasing trend nowadays, and this is already seen in cars like the Honda Jazz (Honda Fit in the U.S.) and the Toyota Yaris (also known as the Toyota Belta or Toyota Vitz).
The Golf 2009 will be available I 3-door and 5-door versions when it’s released, the latter further rumored to be released in 2010. Although details on the engine are still sketchy, the car leasing trend seems to be that the1.4 liter gas-powered version will find its way under the hood, promising at least 120 horsepower. A 2.0 liter gas version will not be much of a surprise either. For those who are into diesel-powered cars, it looks like the Golf will not disappoint, with diesel versions patterned after some of VW’s SUV models.
Price for a car this great in such a small package? We assume it will be a lot less than $30,000, probably reaching that limit with the car leasing trend fittings and trimmings.
Check out lease listings on available cars at Carleasingsecrets.com
Article Source: http://www.1articleworld.com
By: Daniel Lamb
One look at the new Volkswagen Golf and you will notice that the car leasing trend in most hatchbacks is veering towards a more modern look for all types of vehicles. However, the Golf is not your typical hatchback; so not typical that we won’t be seeing much of it until 2009. It seems the car leasing trend for this model was put aside when VW recently assigned a new boss to take control of the company. And take over he did, starting with a review of all future plans for all models under the VW flag.
Now, while this may explain a lot about the delayed and anticipated release of the new VW Golf, it doesn’t explain why designers have gone through the car leasing trend of making it look like a VW Scirocco. This, however, tells us that there have been physical changes to the new Golf, especially how it looks like from the front of the vehicle. These are, of course, just prototype looks and much can be changed before it goes into production before the 2009 release.
The Golf 2009 from the rear, however, will retain much of its shape. It will be slightly raised and will sport a vertical tailgate. Sporty and a little square, the risen back also hints that passengers in the back will most definitely have more headroom. This is actually quite obvious from the outside as the new Golf does seem a little chunkier than older models. However, this seems to be the car leasing trend nowadays, and this is already seen in cars like the Honda Jazz (Honda Fit in the U.S.) and the Toyota Yaris (also known as the Toyota Belta or Toyota Vitz).
The Golf 2009 will be available I 3-door and 5-door versions when it’s released, the latter further rumored to be released in 2010. Although details on the engine are still sketchy, the car leasing trend seems to be that the1.4 liter gas-powered version will find its way under the hood, promising at least 120 horsepower. A 2.0 liter gas version will not be much of a surprise either. For those who are into diesel-powered cars, it looks like the Golf will not disappoint, with diesel versions patterned after some of VW’s SUV models.
Price for a car this great in such a small package? We assume it will be a lot less than $30,000, probably reaching that limit with the car leasing trend fittings and trimmings.
Check out lease listings on available cars at Carleasingsecrets.com
Article Source: http://www.1articleworld.com
Car Insurance
Car Insurance - Protecting one of your most precious possessions
By: Ray Shak
Cars are one of our investments in life and for that we have to make sure that they are fully insured by the right company. Not just because it is an investment but it is also indicated in the law for almost any country. Always take note of the expiry date of your car insurance, in order for you to keep track of it. It is very important that you choose the right company for your car insurance. In some countries, only state owned automobile insurance companies can offer car insurance. Here are some Key points to consider when choosing the right Car Insurance Company, make sure to choose a reliable one that offers competitive premiums for its auto policies. The Car Insurance Company should also be considered for its fairness and assistance during car accidents and repairs, during the most critical and problematic times of your car, this is where car insurance company plays their role, that’s why choosing the best Car Insurance Company needs careful research and analysis.
To choose cheap car insurance is sometimes a risk to take but on the other side, you can consider the rates they offer incline with their car insurance services. As for a car insurance company that can offer both quality and affordability is definitely a superb choice. On the contrary, even though if car insurance is cheap if it doesn’t offer a good quality service then it might just make you spend more for your cars. In addition to that, another significant feature to consider of car insurance policy is the online insurance availability or lack of it. Especially for travelers, this feature is very important as they don’t have sufficient time going to the car insurance company and pay what is needed. All they can is access it online and that will make things easy, convenient, and fast. All Car Insurance companies vary when it comes to packages and how they will convince you to get them for your car insurance. Always think of what is best for you and your family. Remember, that it is not only your car’s life at stake here but more importantly, your life. Knowing that a good car insurance company can take cater all your needs during critical and emergency times will give you not just a peace of mind but can definitely make you relax. Don’t be easily deceived of what they offer. Take your time in choosing the best car insurance company. In that way, you’ll surely have no regrets for you know that everything is taken care of. For more information on Car Insurance Advice guidelines and advise, please visit the link.
Article Source: http://www.1articleworld.com
By: Ray Shak
Cars are one of our investments in life and for that we have to make sure that they are fully insured by the right company. Not just because it is an investment but it is also indicated in the law for almost any country. Always take note of the expiry date of your car insurance, in order for you to keep track of it. It is very important that you choose the right company for your car insurance. In some countries, only state owned automobile insurance companies can offer car insurance. Here are some Key points to consider when choosing the right Car Insurance Company, make sure to choose a reliable one that offers competitive premiums for its auto policies. The Car Insurance Company should also be considered for its fairness and assistance during car accidents and repairs, during the most critical and problematic times of your car, this is where car insurance company plays their role, that’s why choosing the best Car Insurance Company needs careful research and analysis.
To choose cheap car insurance is sometimes a risk to take but on the other side, you can consider the rates they offer incline with their car insurance services. As for a car insurance company that can offer both quality and affordability is definitely a superb choice. On the contrary, even though if car insurance is cheap if it doesn’t offer a good quality service then it might just make you spend more for your cars. In addition to that, another significant feature to consider of car insurance policy is the online insurance availability or lack of it. Especially for travelers, this feature is very important as they don’t have sufficient time going to the car insurance company and pay what is needed. All they can is access it online and that will make things easy, convenient, and fast. All Car Insurance companies vary when it comes to packages and how they will convince you to get them for your car insurance. Always think of what is best for you and your family. Remember, that it is not only your car’s life at stake here but more importantly, your life. Knowing that a good car insurance company can take cater all your needs during critical and emergency times will give you not just a peace of mind but can definitely make you relax. Don’t be easily deceived of what they offer. Take your time in choosing the best car insurance company. In that way, you’ll surely have no regrets for you know that everything is taken care of. For more information on Car Insurance Advice guidelines and advise, please visit the link.
Article Source: http://www.1articleworld.com
Subscribe to:
Posts (Atom)
