10 Things to Look for in a Home-Equity Line of Creditone time. Of course, when rates are falling the larger and faster the change, the better for you. But more important is the upside risk you face when rates are rising. Look for a HELOC that adjusts quarterly (rather than monthly) in increments of 0.5% or less. Note: with expectations of rising interest rates, many lenders appear to be eliminating the periodic rate cap feature and raising lifetime caps to legal limits. If you have an older...
10 Ways To Boost Your Credit Score
10 Ways To Boost Your Credit Score by Dave Czach1. Deleting Errors in 48 Hours This is the absolute fastest way to correct errors on your credit report and raise your credit score. However, it can only be done through a mortgage company or a bank. If you apply for a home loan and find errors on your credit report, request the loan officer to conduct a Rapid Rescore. But don't mistake it for the credit clinic tactic of multiple dispute letters. The Rapid...
100% Financing Or No Down Payment & Bad Credit Mortgage Loans
Sub-prime lenders now offer financing packages with zero down.
Interest rates are higher on these types of loans, but they make
purchasing a house easier. And unlike a conventional loan, there
is no private mortgage insurance required. There are two types
of zero-down mortgage packages, each with their own requirements.
Types Of Zero-Down Loans
100% financing, as it names implies, offers complete financing
of your property....
11 Ways to Promote Your Blog
1. Ping weblogs.com and other search engines. When you ping a blog, you are telling the search engine that you have updated your blog content and that your listing should be refreshed. Weblogs.com is a blog update notification service that many individuals and services use to track blog changes. Pinging your blogs to the search engines is the fastest way to get the search engine robots to visit your blog. Also, many people browse these sites to find something...
13 Things For Your Child To Do (Instead Of Watch Tv)
C'mon, admit it. You sometimes use the television set as a cheap babysitter. That's ok...we ALL do it sometimes! Ah, but it's a double-edged sword, because kids who watch a lot of TV have trouble keeping themselves entertained, which in the long run makes your job harder!
If you're trying to limit the TV viewing in your household, you might need a little inspiration. Try these TV-free activities guaranteed to keep the kids busy... at...
15 important credit card terms to consider before applying for a credit card!!advance notice, at any time by the issuer. Rules for imposing changes vary from state to state, but the rules that apply are those of the home state of the issuing bank, not the home state of the cardholder.6.Finance charge -- The charge for using a credit card, comprised of interest costs and other fees.7.Floor -- The minimum rate possible on a variable-rate loan or line of credit, after any initial introductory rate...
16.4% APR $5,000 Auto Loan?HELP!spend. So, for $5,000, 3% cash back, AMEX? pays me $150.
How do you like them apples? The bank pays YOU to borrow money.
RECOMMENDED PLAN OF ACTION:
So, Geraldine, here's what I recommend you do:
1. Go back to our website, and explore the credit card offers we?ve recommended. We?ve picked out what we think are the best offers, and there are a LOT of them, so think of it as a much needed shopping trip! Pay particular attention to our links for "incentive...
3 Lessons From A Marketing Superstar
I was just rereading Jeffrey J. Fox's marvelous book, How To
Become A Marketing Superstar this week, and had to start jotting
down some notes to pass along. Fox has a wonderful knack for
distilling his hard-won wisdom into two or three page chapter
nuggets that others would have to teach an entire college
semester to get across.
Here are a few of my favorites:
* NEVER USE WE. Eliminate the personal pronouns "I,"
"me," "we," "us," or "our" in...
3 Major Credit Bureaus - Which One Should I Contact?
There are 3 major credit bureaus that have information on your
regarding your credit history. Anyone that has ever applied for
a loan or credit of any kind has a file at one of the 3 major
credit bureaus. Since merchants usually report to only one of
the 3 major credit bureaus, you may have to request a free
report from all three to get an overall look at your credit
report.
To request a free credit report from either or all of the...
4 Common Types Of FICO? Credit Scores
variables and have predictive weighting on certain variables that are specific to the industry. You may see industry specific credit scores for auto, bankcard, finance and installment products.
NexGen FICO? Risk Score
The new kid on the block is the NexGen FICO Risk Score. The NexGen FICO risk score is a newer version of the Classic FICO credit score which was developed to make the Classic FICO credit score foundation more predictive. The...
