Is it a good time to buy an apartment in bangalore?

I know this question was posted about 10 months ago but things are different now for sure given the fact that banks have inflated home loan rates as much as 12+%.

I have been hearing that property prices may go down but havent seen that happen so far.

Cost per sq feet for an apartment with any popular builder still starts from no less than 2500/sq feet and goes up as much as 3500/sq ft. And if there are no buyers for the high cost, the builders still are launching new projects at high rates mentioned above.

So what is your take on this?

Is it a good time to buy an apartment in bangalore?

sounds like you know the market so go with what you feel is right

When is a good time to search for a fixed rate instead of keeping the ARM?

We have a 5/1 ARM that we got last summer at 5.875%. The recent fed cuts have caused some fixed rate loans to drop below our current rate. However, we would have to pay about $1500 in closing costs to switch. We have 3.5 years left with our current ARM loan rate. When would be a good time to start considering refinancing to a fixed rate and what should we take into consideration when doing so?

When is a good time to search for a fixed rate instead of keeping the ARM?

If you can save $1,500 a year in interest, you should switch now. Fixed rates are now about 6%. For 6% interest to amount to $1,500 per year, your mortgage only needs to be greater than: $1,500/6% = $25,000.

So, if your mortgage is more than $25,000, switch now. Why? Because interest rates are still very low, compared to previous periods, and are much more likely to go up than down. So now is the time to lock in a good fixed rate.

When is a good time to search for a fixed rate instead of keeping the ARM?

The key is whether the savings in locking into the lower rate offset the closing costs on the refi.

If you definitely plan on selling before the ARM resets, it's probably not worth the cost of refinancing just to lock into a fixed rate. If you think you might be around past the ARM reset and you end up recouping the refi cost, you might want to reconsider.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

card 1-$8000 balance, 18% rate

card 2-$2000 balance, 22% rate

card 3-$2000 balance, 14% rate

card 4-$2000 balance, 14% rate

i want to pay off the first two somehow. i've seen advertisements from bank of america and it sounds like they give loans to pay off credit cards. my husband and i have pretty good credit. my score is 710 and his is 680. all the cards are in my name primarily but he's on both of them. he works full time and i'm a stay at home mom

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

Sounds like our situation. We went with Take charge America. I wouldn't ever think of getting a loan to essentially pay off another loan. That will get you into trouble.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

I know it would be cheaper to get a loan to pay off the cards but then what would the interest rate be on the loan? What you really need to do is to try to take half of your husbands paycheck a month and put it on that credit. And did you mean that you just paid off your house or that you just bought a house 2 weeks ago? You may need a credit counselors help on this one if you are putting yourself more in debt.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

I did take a loan through bank of america at about a 10% rate. It reduced my monthly payments and consolidated my debt to a lower rate. Just make sure to pay on time every month and to never borrow against your line of credit with them or it will increase your rate. Another option would be to refinance your house if it is appraised at more than what you paid for it. That will get you some cash at a very low interest rate.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

Amazing, that you have $14k in CC debt and you still were able to get a mortgage on a house two weeks ago. On a single income. You just single-handedly made it infinitely more difficult to pay down your CC debt. It's not impossible to pay it down, it's just going to take longer.

Instead of getting another loan, or taking an even bigger risk by drawing on your home equity to pay bills (transferring unsecured debt to debt secured by your home), consider the balance transfer offers your CC companies are offering and transfer balances to the one w/ the best rate. That's a quick and dirty way to drop the APR, from 22% to 6.99% or so. Yeah, you'll take the hit in bal xfer fees, but it's probably better than the long-term 22%. And a lot better than putting your home at risk of foreclosure.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

The worst thing you can do is get more debt (a loan) to pay off other debt. Throw as much as you can into the 2 higher interest rate cards and try to pay a little more then the minimum on the other 2.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

If you have been looking for some great ideas, Here is the place you should have a look.http://homeloan.online-assistant.info/ba...

Loan hassle?

I recently went to buy a home. The agent I worked with really forced the in-house lender down my throat. I guess they make more money that way...anyhow, it was very frustrating. My cousin is a mortgage guy and can get really good rates for me. Anyone else have this problem? What can I do about it

Loan hassle?

complain to your local board of realtors. it is against the law for a realtor to force you to use any particular vendor, that includes mortgage companies, inspectors etc...

Loan hassle?

Ditch the realtor. They can and do make money. Hey, everyone is working for a living, but come on. What compensation is he offering you to work with his guy. BTW, I work with some people who don't always treat their family and friends to what I would consider the best deal. I mean they treat them better than their regular customers, but they make twice as much as I do off of family and friends. It won't hurt to shop - but if they are really really forcing something at you I would question why...

Get two GFEs. If you have problems reading them or reconciling them, please post additional questions. I'm not here to say no one can make a living, but geez if you are using your realtors guy or your cousin - you should be able to get a VERY fair deal.

Regards,

Joe...

Loan hassle?

While I agree that ditching the Realtor is the best idea, you may have signed a contract which will make this difficult.

But nothing stops you from just ignoring your Realtor and going to whomever you want for the mortgage. My advice is go to both and originators and see what each can offer. Shopping around is free. It might be that the Realtor's person does get you the better offer. But in the very likely event the Realtor's person doesn't get you the best deal, you can at least tell the Realtor you tried.

BUT - take this from an industry cog. Behind the scenes, the Loan Originator will be pissed at the Realtor, thinking that the Realtor wasted the LO's time and money. (The LO had to pay for the credit report, automated underwriting run, and clerical costs.) The Realtor will be pissed that the LO didn't get the person the best loan. It will be a strain on their relationship. You will have gotten your revenge on their collusion while still appearing to have taken the high road!

Loan hassle?

I think you should stand up for your self. Tell them you want to use your family. Ask him how he would feel if his family used another Realtor besides him. He would be pissed, so why should he expect you not to use family.

I never force a lender on anyone, if something goes wrong with the loan, i don't want to be the one blamed. You have every legal right to use what ever lender you want, don't let him bully you,

Good luck

RE Agent,

Remax

Loan hassle?

Simple. Get a quote from your cousin. The agent can't do anything about it unless you signed some kind of exclusive agreement, which even then could have an %26quot;out%26quot; clause if you're not happy.

What are the interest rates like for a home mortgage in Panama (central america)?

I'm looking at some property in Panama and heard that a loans for foreign investors are plentiful. I'm having trouble finding a rate because Panama beach, FL keeps messing up my searches.

What kind of interest rate can I expect for a 2nd home mortgage in Panama?

What are the interest rates like for a home mortgage in Panama (central america)?

Well since in Panama there are no fixed interest rates, the banks are able to offer independent rates, so you would have to go to the banks and find out the actual rates for mortgages.

For US Citizens I recommend you visit Banco Continental, Banco General, HSBC, Scotiabank, and Banvivienda. There are a lot of other banks but those are catering to the US Citizens relocating in Panama.

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K

I was just curious was this a bad move. A year has passed since. When we purchased this house I was making very little money (less then 30K a year). Now I'm making 45K. Our monthly payment is around 857 a month.... I was just curious does anyone know any info regarding refinancing. Is it worth it. I was told my interest rate is not that bad. I was also told refin is not worth it if you are going to be there less then 5 yrs...

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

It depends on how long you're planning on staying in the house, and how long before the balloon payment is due.

Keep in mind that rates are going up, and unless you have great credit you could get stuck with a terrible rate if you refinance into a loan that isn't hybrid.

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

i suggest you request a loan modification from your lender its simple they will readjust your loan and your interest rate drops but dont tell them about your raise that will screw you around let them know you feel like our falling behind Report It

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

Refinancing can cost a lot, the interest ur paying is pretty good (were are u?) If you have suddenly got an income increase I suggest that u put all the extra money into ur mortgage, just pretend u didnt get a pay rise, that way if interest rates rise, uve got some leg room for the extra payment. You cant go far wrong with equity in real estate.

P.S if ur in Aus id love to know who gave u that interest rate, its very good

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

In this housing market, I think you may have difficulty. Interest only loans are only good if the property value rises fast enough to sell for a profit before the balloon payment is due. If not or if the property value decreases, you are in trouble. You will be forced to refinance at that time and all of the interest you paid will be gone and nothing to show for it. I personally think interest only loans are a bad idea. The only people getting rich off of them are the banks.

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

If it's not a fixed rate it would be a good idea to see what the bank can do for you.

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

hometraders.com

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

What's are home values doing in your area? How is your credit? Perhaps with the raise you can do full documentation instead of stated income? How long do you think you'll stay? Do you have a prepayment penalty

If you're A paper you can get a rate that's probably enough lower to make it worth your while at a reasonable cost that you can justify in maybe 2-3 years if you don't have a penalty. Otherwise, no.

A year ago in September I purchased a house with a interest only loan of 6.75% and 10% down on 175K (see below

your interest rate now is good, so i will recommend to you to pay extra money with your mortgage payment and this way you will pay your principal down. when the rate will drop and you will know that you will stay in this house for a while- then i will refinance.

if you will pay every month $1000 and keep this loan for 30 years , you will pay your mortgage in 23 years.

i don't know if you have mortgage insurance PMI, if you have- try to removed without refinancing. if the houses in your area are selling 15% more, than you pay- you can ask your lender to removed your mortgage insurance without refinancing.

Will a paid in full Car Loan Help My Credit Score or do nothing for it??

I have 2 paid in full car loans on my credit.

I havent checked my credit lately.

I was wondering if it would help my credit score rating go up

or does it not effect it at all??

Will a paid in full Car Loan Help My Credit Score or do nothing for it??

Auto finance is what I do for a living and as long as you paid on time every month and made at least 12-payments, these loans helped your credit.

Paid as agreed car and home loans do more for building credit score then any other types of credit lines.

Will a paid in full Car Loan Help My Credit Score or do nothing for it??

It affects it greatly. I deal with auto loans on a daily basis. But... as long as you paid, and paid on time every month. If you had even a couple payments that were more than 30 days late, it will drop the score faster than it went up. Also, it depends on if you paid the loan off really early or not. Example: If you took a 60 month loan, but paid it off in 4 months, it probably did very little for you. Hope this helped!

Regression Analysis of Economic Data?

I am doing a regression analysis of the quantity of a certain product sold as a dependent variable against fuel prices, median family income, and loan rate in a series of data spanning 30 years therefore 30 data points. Should loan rate be in percentages or decimal? Do I need to adjust with consumer price index or inflation?

Regression Analysis of Economic Data?

they should be in decimals and no you should not have to adjust for inflation. the regression should take care of all of that for you. If your numbers look wrong then try an adjustment.

Regression Analysis of Economic Data?

to answer your first part of the question %26quot;Should loan rate be in percentages or decimal?%26quot; This should not make a difference since percentages are numbers in decimals. One equals the other in math.

To answer your second question I would adjust with both the consumer price index and the yearly inflation. This would give your analysis a better informed economical view.

Regression Analysis of Economic Data?

Loan rates are recorded in decimals when the number reflects the overall loan rate cost (per k dollar increments) added to the rising I (inflation) (in dollars) number (assumed rising) every year also added to the overall FP and MFI inflation (in dollars) number. Stats... sh*t...

Regression Analysis of Economic Data?

its best to provide nominal and real data together.

Regression Analysis of Economic Data?

Throw all that analysis crap out the window.The world is to dirty to try to make it a controlled environment analysis crap. The only thing that works in business economics is supply and demand. The cheaper you sell a equal or superior product the more your going to sell. The more money your gone to make.

Regression Analysis of Economic Data?

I suppose percentage is ok, but you should harmonize your data : if your price and income data is adjusted (in real terms), then you should use real interest rates (minus inflation).

I suppose it would be better as you'll avoid structural effect in your data.

Considering the Billions of dollars that are being wasted everyday...?

...overseas would it be too much to ask the government to do away with interest on student loans?

House OKs cuts to student loan rates By NANCY ZUCKERBROD, AP Education Writer

1 hour, 46 minutes ago

WASHINGTON - Legislation to lower interest rates on student loans and increase aid to poor people who want to go to college won House approval on Wednesday.

ADVERTISEMENT

To pay for the proposal, lawmakers would cut roughly $19 billion in federal subsidies to banks that issue government-backed student loans.

http://news.yahoo.com/s/ap/20070711/ap_o...

Considering the Billions of dollars that are being wasted everyday...?

you are 100% correct there should be interest free loans for students. heck why not of the Gov, can give tax cut to the rich why not help the low and middle income folks get some smarts.

%26quot;WASHINGTON - Legislation to lower interest rates on student loans and increase aid to poor people who want to go to college won House approval on Wednesday.%26quot;

This is just the Democrats righting a wrong made by the republicans that passed a bill last year to raise the interest rates on student loans. to help pay for the Bush War in Iraq.

So the Democrats are doing something wow that's going to piss off the republicans.

Considering the Billions of dollars that are being wasted everyday...?

if you went to college on me, GET A JOB AND SHOW ME IT WASN'T A WASTE OF MY MONEY!!

Paying your dues is part of adult hood, start now!!!

Considering the Billions of dollars that are being wasted everyday...?

Hey.. the government does not want you going to school.. they want you poor enough to enlist in Bush's army....

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

You don't need a loan you need HELP

try this site they can help you!

http://www.crown.org

n3

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

ind your local credit union.. you can borow upto 3x what youve got in your account and the interest is 1% per month.

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

dnt borrow,have it hard for a while as you get on track.dnt borrow as its silly and puts you futher in the red

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

I hope you NEVER find a loan shark. Whatever problems you have now - nothing can be as bad as the problems you will have if you borrow from one of these arseholes. If things are that bad you're better pawning everything you've got at somewhere like c ash converters. At least you get chance to buy back at a cost you can afford - with a loan shark you'll spend forever paying back a debt of 鎷?00.--. Please dont do it. xx

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

dont do it, youll end up worse off. how much do you need, consider selling your belongings to raise the capital first.

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

SAY NO TO PAYDAY LOANS!!!!!!!!!

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

please please do not go to a loan shark....its not nice, ive been there...ended up massivly in debt, all paid off now.

If you are desperate try provident...the rates are high but they will be matched to you...just a thought.

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

sweetie, if you are at this nadir as regards your financial situation, you might as well go jump off a cliff if you are thinking in terms of loan sharks. They're called that for a very very good reason. Some of them are not averse to looking you up (if you can't pay them) and hurting you, quite literally. (See why the cliff seems more enticing? its much more straightforward...but i wouldnt advise you to do that either). If you're in the uk, go to the citizens advice bureau, speak to your local counsellor at your GP they too can give you useful advice because i'm awfully sure you're probably seriously stressed about all this? *hugz* We all go through rough patches like this in our lives, but you MUST remember to keep a level head, or someone'll have it on a platter sooner or later. i've never been in as deep a financial mess myself so i can't give useful links but i can tell you that you're in my prayers about it. Get a 2nd job if you must, but speak to -someone-. Lastly, a loan shark should never be an option because its pretty much like selling your arms when you need it to do your job?

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

Borrow fromur family if u can really pay them back. If u can't then how would u pay a loan shark back? And the loan shark would be more violent if he wasn't paid. Don't even go there!

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

If you borrow from a loan shark you'll end up in even worse trouble, they charge staggering interest rates and aren't very understanding if you cant pay.

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

They are called SHARKS because they will eat you alive.

If you cannot possibly manage without a loan PLEASE go to a reputable company!!!

PLEASE!!!

Before you take any loan, think on this for a while...if you can't manage your finances NOW, how will you manage to pay even MORE out each week???

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

you need to go to your local citizens advise bureau they will help you, if you already owe money they will help you, they can also get your debtors of your back..don't borrow money it isn't worth it

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

I am pleading with you not to go to a loan shark, these people are thugs who will bleed you dry for the rest of your days. i know it's hard, i've been there myself but try and calm down and take a step back and look at your situation properly. You could try a provident loan, or an extension to your overdraft or shop around for a loan which suits your circumstances. There is a great website you can try and its free advice: moneysavingexpert.com. Hope it goes ok for you. Take care

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

Dont use a loan shark,if you can afford the repayments,provident is around 鎷?5 a week for that amount,u do have to pay abit of interest but it'd get u outta the scrape your in.

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

Depend of your credit. If your score is below 600, the only people that will help you is a %26quot;loan shark%26quot;. Try to fix your credit before.

By the way, if you shop around, all your credit check will count for one if you do them all within 2 weeks.

Good Luck!

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

exactly who is it that you owe the money to??? and also are you at the stage where you are getting letters from debt collectors???

if the company is a legitimate company the best thing to do, without taking a loan, is to contact them, or the ebt collectors if its at that stage, and explain that you dont have the money and cannot see getting the full amount any time soon...ask them what options are available...they will probably ask how much you can afford to pay back....if you give an amount, say 鎷?0 a week or month..or whatever you can afford...you will find that they will be helpful to you and relax off of you....unless you start to miss payments. if you dont want to ask them what options are available...just call them and explain your situation and TELL them you will pay them back at x amount a week/fornight/month.......also, ask them for a payment book, so that you can keep a record of how much you have left to pay off......you may have to pay interest......but it is better than getting a loan shark.

loan shark are horrible nad nasty people...and they wont care that youre a woman...as a lot of people have already said...they will hurt you...and probably worse than that considering your a woman......DO NOT GO TO A LOAN SHARK whatever you do, it would be stupid.

i hope you get everything sorted and that it all works out ok for you....if you want more advice please dont hesitate to contact me on yahoo messenger....my id is hayhed_2k6

good luck

I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark?

Do not go to a loan shark, try www.surefirefinance.co.uk they may be able to help. Loan sharks mean big trouble.

Lower fix interest rates,housing will improve the economy not....?

A politician stimulus package of 300 t0 600 dollar . 600 dollars are down the toilet in less then a week in a family of 2 much less one of 4 or more. But 2,3 point down in interest rate on a house will give the same amount for indefinite time until your house is paid in payment 600 dollars lower which can be used better then the politicians stimulus package that awards rebates to senior citizens living off Social Security and extends unemployment benefits which like giving a snicker bar to a kid, wake up America look at the real culprits of a poor economy the banks the real state mortgage firms with their subprime loans , they planned to take away your house.

Lower fix interest rates,housing will improve the economy not....?

ok

Stimulate the economy?with lower interest rates.?

A politician stimulus package of 300 t0 600 dollar . 600 dollars are down the toilet in less then a week in a family of 2 much less one of 4 or more. But 2,3 point down in interest rate on a house will give the same amount for indefinite time until your house is paid in payment 600 dollars lower which can be used better then the politicians stimulus package that awards rebates to senior citizens living off Social Security and extends unemployment benefits which like giving a snicker bar to a kid, wake up America look at the real culprits of a poor economy the banks the real state mortgage firms with their subprime loans , they planned to take away your house.

Stimulate the economy?with lower interest rates.?

Don't forget the special interest groups who like to suck money for their own little causes.

Stimulate the economy?with lower interest rates.?

Yes sir! I totally agree with you. It is all a scheme to put more money in their pockets!

What is the best student loan out there?

hi... im gonig to be attending college next fall and i will be needing to take out some loans...

you hear about all these loans on tv, but i was wondering if anyone knows the best one there is as far as rate and overall quality?

thanks

What is the best student loan out there?

Here's the best FREE site to go to.

http://www.fafsa.ed.gov/

I applied for my Pell Grants and received them. You'll also have to apply for a pin number for access, but be prepared with your taxes from the previous year in front of you to see if you qualify.

Good Luck.

What is the best student loan out there?

well when you actually go to college, you will probably qualify for the federal stafford and federal perkins loans for a certain amount, depending on your background. To cover the rest of my tuition I use the Sallie Mae signature loan. The interest rates are lower and they are more trustworthy than getting one through a bank. To look into Sallie mae more, go to:

http://www.salliemae.com

What is the best student loan out there?

Students who are looking for a bad credit student loan should pick three schools they are most interested in, talk to the admissions office, and ask what is needed to apply in their school.A bad credit%26lt;!--student loan is payable only after the student has completed his or her education, and has started earning a certain minimum amount. You can find more information on Student Loan here,

http://badcredits.awardspace.com/student...

The minimum amount that the candidate of the bad credit student loan is required to earn has also increased. Bad credit student loans are available as both secured and unsecured loans--%26gt;depending on whether you are a homeowner or not. The rate of interest to be paid on unsecured bad credit student loans is higher than that on secured bad credit student loans. This is because the secured bad credit student loans are backed by your home as a security.

What is the best student loan out there?

I wouldnt go with any of the ones currently on TV. They are marketing under different names, but really the same lender. Go to your school for recommendations on private loans, that is what the TV loans are that you are seeing. Get a Stafford first.

In addition, Sallie Mae has one of the highest fee private loans on the market. Many others are zero fee.

Need help with C# syntax (I'm making a loan calculator)?

I have the following text boxes on my C# windows application:

amountOfLoan

APR

durationOfLoanInYears

and a label called monthlyPayment.

When you click the calculate button, the monthly payment should be displayed in the monthlyPayment label.

Can someone help me with the code that needs to go behind the Calculate button?

IN CASE IT HELPS, THE FOLLOWING FORMULA IS USED TO COMPUTE THE MONTHLY PAYMENT:

payment = (Principle x Rate) / (1 - (1+Rate)) ^ -numberOfMonths

%26quot;Payment is equal to principle times rate divided by 1 minus (1 plus rate) to the negative numberOfMonths power%26quot;

----

I just don't know how to express this in C#....

Need help with C# syntax (I'm making a loan calculator)?

Hopefully this does it:

private void button1_Click(object sender, System.EventArgs e)

{

double principal = System.Convert.ToDouble(amountOfLoan.Tex...

double pctrate = System.Convert.ToDouble(APR.Text);

int monthcount = System.Convert.ToInt32(durationOfLoanInY...

double payment = (principal * pctrate) /

Math.Pow(1 - (1 + pctrate), -monthcount);

monthlyPayment.Text = payment.ToString();

}

The Math.Pow object/method provides the exponent calculation

Need help with C# syntax (I'm making a loan calculator)?

Don't know why, but answers has a habit of cutting off some lines... Report It

Need help with C# syntax (I'm making a loan calculator)?

is there any chance you can send this code example in an email? i'm having trouble replicating the sucess stephanie had, possibly because of the cut off answers. many thanks! Report It

Need help with C# syntax (I'm making a loan calculator)?

decimal monthlyPayment = (Decimal.Parse(amountOfLoan.text) * Decimal.Parse(APR.text)) / Math.Pow(1 - ( 1 + Decimal.Parse(APR.text)), Decimal.Parse(durationOfLoanInYears.text...

monthlyPayment.text = monthlyPayment.ToString(%26quot;c%26quot;);

Serious replies only, does anyone know of any loan companies uk only?

that give loans to office temps? and those with bad credit rating?

Serious replies only, does anyone know of any loan companies uk only?

you probably want short term borrowing.

Money shop will cash cheques for 1 month and charge about 6%

up to 鎷?00 at a time.

Provident will lend money but charge the earth.

Serious replies only, does anyone know of any loan companies uk only?

loan sharks

Serious replies only, does anyone know of any loan companies uk only?

There are loads of companies out there. Take a morning off work and watch some day time tv. (either ITV, CHannel 4 or Channel 5) you will see a shed load of commercials for such companies.

Serious replies only, does anyone know of any loan companies uk only?

no. Although there are many companies willing to take 鎷?0 to %26quot;try their best%26quot; and get you a loan. It simply wont happen. The only way people with bad credit can get a loan is to get a secured loan against their property, at scandalously high interest rates i mite add. As you are an office temp, i doubt this will be applicable to you. In short, you wont be able to get a loan till you are at least 24ish. I wouldnt recommend this, but try your credit card. Be careful though, you dont want wanna get stuck with massiv credit card debts

Serious replies only, does anyone know of any loan companies uk only?

www.surefirefinance.co.uk

Where can i get a 鎷?000 loan over 24 months.i have a below average (but not awful) credit rating?

i tried my bank and a few others but no joy.i dont want to apply too much and cause damage to my credit score.

Where can i get a 鎷?000 loan over 24 months.i have a below average (but not awful) credit rating?

You are right, you do not want to keep having your credit pulled because it will make your score go down. Are you looking for a personal loan?

Where can i get a 鎷?000 loan over 24 months.i have a below average (but not awful) credit rating?

It won't damage it that much bro, just keep trying.

Student loans question?

So the student loan rate is 6.8% for a loan... does that mean that each month the interest will be 6.8% of the whole amount borrowed? I am doing mixed subsidized and unsubsidized.

ALSO, anyone who has gone all the way through with a bachelor's or higher that can give an approximate (theirs or of someone they know) on how much they ended up owing including interest.. just to see what I should expect.

Thanks in advance

Student loans question?

Be careful student loan collectors is why Elvis faked his death.

Student loans question?

Linked below is the page that describes the interest rates and how they work for both subsidized and unsubsidized.

That's all I can offer....I don't graduate until May! Feel free to ask me then:)

Okay, well, Yahoo keeps giving me an error page when I try to link the Stafford page that explains the interest rates. It's really starting to irritate me. I can't even type the link! So, hopefully I can get this to make sense; here's a %26quot;walkthru%26quot; to get there:

Go to:

https : // studentaid . ed . gov /

In the search box, type %26quot;Stafford%26quot;

Click the first link on the list. It's a URL and not actually a title.

Scroll down and look for the question %26quot;What's the interest rate?%26quot;

At the end of the question, it has a link that says %26quot;Click here for more information on interest rates.%26quot; Follow the link.

There's your interest rate answer!

Student loans question?

There is no absolutely answer for your question.However,explorer the information here will give you some ideas.HOpe it helps.http://studentloan.online-helpers.info/c...

How can I get loan companies to quit hassling me about consolidating my student loans?

I graduated college in 2004 and consolidated that same summer. The rates they offer now are no where near as good as the rates I've already got from when I consolidated back then. Don't all the lending companies share information? The phone calls and the letters in the mail are driving me crazy!

How can I get loan companies to quit hassling me about consolidating my student loans?

These companies get your information from your credit report. They see the student loan there and start spamming. It works the same way as unsolicited credit card offers.

In order to get rid of both mailing types (you can't choose, unfortunately) -- %26quot;You can remove your name from prescreened credit or insurance offer mailing lists from Experian, Innovis, TransUnion and Equifax by calling 888-5OPT-OUT (888-567-8688)%26quot; (see my source #1)

To get rid of the phone calls, register with the National Do Not Call Registry (see my source #2)

Opting out is good because you'll significantly cut down on spam mail. It is bad because you may miss pre-approved credit card offers which are actually good (rare, but happens).

If you don't want to opt out, you'll have to call each individual company and ask them to remove you from their solicitation lists. It'll take some time to go in effect and probably more than one phone call. Good luck.

How can I get loan companies to quit hassling me about consolidating my student loans?

get on the national no call list. if anyone calls ask them if they know that you're on the list. if they keep calling them, look into ways of reporting them.

with the mail, just keep a pen near your mailbox and write %26quot;return to sender, wrong address%26quot; on every envelope you don't recognize.

How can I get loan companies to quit hassling me about consolidating my student loans?

Consolidating student loans is actually a good thing and often is suggestable. It makes paying everything off less stressful.

How can I get loan companies to quit hassling me about consolidating my student loans?

They are not %26quot;hassling%26quot; you; they are merely trying to sell a product...some of them are your former classmates so be gentle with them. It's their JOB! They are no different than someone trying to sell you a vacuum cleaner or life insurance. So what do you do when you get offers to buy things in the mail? Most likely you throw it in the trash, right? So throw ALL junk mail in the outside trashcan before you even come into the house and you will forget about then in an instant. And the phone calls...either don't answer the phone, or answer it and tell them %26quot;thank you for calling but please take your name off their list%26quot;. Lordy, Lordy, don't let something so trivial upset you so bad, because if this makes you crazy, how are you going to react when something that matters happens?!

How can I get loan companies to quit hassling me about consolidating my student loans?

look on the bottom of the letters look for opt out option also you put on a do not call list

How can I get loan companies to quit hassling me about consolidating my student loans?

I feel your pain! At the bottom of the letter is an 1-800-OPT-OUT number. I had to call four of them but they eventually stopped sending me their crap.

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good cred

im sure anyone would lend you the money if your a home owner,just do a search and look for best deal

to be honest im sure they will laugh if you have bad credit because if you miss a payment the house is theres so please be careful

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

Your bank. They should give you about 6.6% if you hold your mortage with them

Lloyds are very good for loans.

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

I heard good reports on www. zopa.com

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

off of your mortgage lender,but make sure you can afford the repayments,otherwise you could lose your home.

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

Business without finance is like a fish without water in the desert which can閳ユ獩 survive for long. Finance or capital is something which a business requires at every stage to run smoothly. A small deficit of this capital can be the cause of big losses. Small business loans can help you in letting your business run on the right tracks with apt financing at the right time.

I need a sub-prime, rural loan for 95% to close by 4/6/07?

My husband is in Iraq %26amp; we've fallen in love with a property in Temple, TX. Unfortunatley all of these regulations for sub prime loans just changed and my lender backed out yesterday. We're supposed to close by the 6th of April! So, I'll lay it out here and if anyone has a suggestion please let me know ASAP! Thanks so much!

House: 3 bedroom/1 bath on 8.5 acres, property has %26quot;church%26quot; on it with another 3 bedrooms, 2 baths, kitchen, ect. There are also 2 small horse barns.

We offered $115k and buyer will pay up to $7k closing costs. We have $500 earnest money on the property.

Credit: I filed bankruptcy solo (ch 7) last year due to some medical issues (long story) and it was completed 12/06. My middle score is 619 and debt to income is great. My husband has a lower score, in the 520's. His income is slightly less than mine, but still good debt to income for him too.

We have $6000 to put down %26amp; understand our interest rate will be higher, but we'll refi later. Please help

I need a sub-prime, rural loan for 95% to close by 4/6/07?

A VA is your only option. You are really high risk and I doubt anyone would touch you, high interest or not. You aren't even paying 10% down. The property may not be worth that in a month.

I need a sub-prime, rural loan for 95% to close by 4/6/07?

Try some large banks

I need a sub-prime, rural loan for 95% to close by 4/6/07?

Since he's a veteran, why not go with a VA loan?

I need a sub-prime, rural loan for 95% to close by 4/6/07?

I also have the same the same problem. my score dropped 60 points over a $100 bill that was in collections, Pretty musch exact same scenarion as this guy who put up the question.

I need a sub-prime, rural loan for 95% to close by 4/6/07?

A USDA rural housing loan is probably your best bet.

Check them out here: http://www.rurdev.usda.gov/rhs/common/in...

You might also check with the FHA:

http://www.fha.gov/

You may very well qualify for both; however, I doubt very seriously that you'd make your listed closing date.

Good luck!

I need a sub-prime, rural loan for 95% to close by 4/6/07?

As long as you have 5% to put down it will not be a problem to get you financing. We offer in house and broker financing options, FHA / VA / and Conv. , Most importantly we will close your loan quick. Please email me @ principal.solutions@hotmail.com and be sure to include contact phone numbers.

Thanks

I need a sub-prime, rural loan for 95% to close by 4/6/07?

Check out the free evaluation form at the source website. Maybe their nationwide network of loan officers can help. Good luck,

I need a sub-prime, rural loan for 95% to close by 4/6/07?

I am Mr Peterson Chris.I am a legitimate loan lender who gives out loans at low interest rate of 3%.Are you finacially down?Do you want to pay your bills?Is your credit score low?If yes,then you are in need of a loan.I deal with only honest people who are really in need of this loan.If interested contact me today with the loan of loan you need so that my loan terms and condition will be forwarded to you.You are to mail me or contact me through this email address

consultingpeters@myway.com

Are people who reply to loan questions scammers? No info, no website, just want to give me money?

I was cruising the site yesterday because I'm trying to get info about buying a business and its building in my town. I saw some info about someone who does loans so i emailed him, filled out his app, and in about an hour he sent me a mail back saying that he could get me the money at a low interest rate for a 514dollar transfer fee.

I told him that of course I would have to talk with my accountant and the like, but is this a scam, because it sure sounds like one. He wants my account info so he can transfer the funds, but whats stopping him from cleaning me out?

Any info on this subject would be helpful, thanks

ryanc

Are people who reply to loan questions scammers? No info, no website, just want to give me money?

Nothing will stop Him from cleaning You out if You send Him Your acct. info. You will also lose Your $514 if You send it to Him. NO reputable lender will ask for Your acct. info, either on line or over the 'phone.

Are people who reply to loan questions scammers? No info, no website, just want to give me money?

Go talk to a lender face to face. Get referrals from people that you know real estate agents, friends, and family.

Are people who reply to loan questions scammers? No info, no website, just want to give me money?

SCAM! These types of venues are rife with problems and you are setting yourself up for identity theft. If he has your Social Security Number, check everything RIGHT NOW.

Don't give him any additional information.

Once you have checked your accounts, put a fraud alert on your file, frozen all your accounts, deleted his emails, find out how you can stop this scammer from destroying you.

Are people who reply to loan questions scammers? No info, no website, just want to give me money?

Nothing will stop him. He will do that and maybe commit some more fraud with your ID that you are handing over.

Are you stupid or just desperate?

If you are not meeting face to face do not do business. Period.

Are people who reply to loan questions scammers? No info, no website, just want to give me money?

My name is Mr Shawn from SKYLOANS .A goverment approved and certified lending company.Our company is qualify to offer loans ranging from personal to industrial loans to interested persons or companies who are in need of financial aid at a negotiable and affordable interest rates sometimes as low as 3%.Have you be turned down before by scam and you suddingly feel all hope is lost?,Why should you die in silence when you have an opportuinity to clear your dept,start or boost your business with a loan from our company.so apply for a loan now and let your worries be over.

Interested persons should contact us via this email addres skyloans01@yahoo.com

1.Full name..............

2.Contact Address.......

3.Age...........................

4.Telephone Numbers......

5.Marital Status.........

6.Sex..................

7.Next Of Kin............

8.Zip Code................

9.Occupation....:................

10.Propose Loan Amount

11.Country................

12.Nationality............

CONTACT DETIALS BELOW:

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CONTACT NAME:Mr.Shawn

EMAIL:skyloans01@yahoo.com

======================================...

Yours faithfully,

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(Foundation officer)

Are people who reply to loan questions scammers? No info, no website, just want to give me money?

Great post! I completely understand your question. Money is hard for a lot of people right now since the enconomy is going down. My friend told me about this website of an organization that gives people up to $1500 towards their rent or mortgage. It's available in most areas, so I think you should check it out.

http://www.ffrumster.com

Hope this helps!

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual %

At 1% compounded daily you would have to pay back a total of nearly $1500............you are paying more than $10 per day for the money.....pay it back earlier if you can...you'll save a lot of money........

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

Is that what they want to charge you 365% annual rate? WOW. Such a bad deal. You must need the money huh?

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

you got something wrong, that is impossible.....it would be illegal Maybe they are charging like 1% compounded daily....about $1200 in 45 days, for a total of $2200 for a $1000 loan

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

steer clear of those places....you lose, every time.

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

45 days and 365% annual rate?! Are these guys loan sharks?!

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

The annual rate is 365% ??? Is that right?

Payday loans are such scams. You might as well be borrowing money from a loan shark. Trying to find any other (legal) way to get the money.

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

Then in 45 days you will need another loan for more money.

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

that is called usury and it should be illegal. stay away from those places, you will dig yourself a hole that you can never get out of.

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

You better see a loan shark. Their rates are far cheaper!

If I borrow $1000.00 from a payday loan place and I have 45 days to pay it back at 365.00% annual % rate?

Wow, 365%, actually that is rather low for a payday loan. Most places charge upwards of 400%. I worked in the business for 8 years and believe me, you don't want to do this. There are other alternatives such as Consumer Credit Counseling or local small personal loan businesses like Citifinancial or Household Finance. If you take this out you will get into a never-ending cycle. I have seen this far too many times, search for other alternatives. Once you pay it back it is too easy to get it back. You will find yourself in another bind, usually because of the loan you took out at such a ridiculous rate, and you will see no other alternative than to do the same thing. I can't stress this enough, DON'T DO IT! Good luck!

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good cred

im sure anyone would lend you the money if your a home owner,just do a search and look for best deal

to be honest im sure they will laugh if you have bad credit because if you miss a payment the house is theres so please be careful

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

Your bank. They should give you about 6.6% if you hold your mortage with them

Lloyds are very good for loans.

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

I heard good reports on www. zopa.com

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

off of your mortgage lender,but make sure you can afford the repayments,otherwise you could lose your home.

Where's the best place to get a loan around 鎷?0k if your a home owner but dont have a good credit rating?

Business without finance is like a fish without water in the desert which can閳ユ獩 survive for long. Finance or capital is something which a business requires at every stage to run smoothly. A small deficit of this capital can be the cause of big losses. Small business loans can help you in letting your business run on the right tracks with apt financing at the right time.

Will a paid in full Car Loan Help My Credit Score or do nothing for it??

I have 2 paid in full car loans on my credit.

I havent checked my credit lately.

I was wondering if it would help my credit score rating go up

or does it not effect it at all??

Will a paid in full Car Loan Help My Credit Score or do nothing for it??

Auto finance is what I do for a living and as long as you paid on time every month and made at least 12-payments, these loans helped your credit.

Paid as agreed car and home loans do more for building credit score then any other types of credit lines.

Will a paid in full Car Loan Help My Credit Score or do nothing for it??

It affects it greatly. I deal with auto loans on a daily basis. But... as long as you paid, and paid on time every month. If you had even a couple payments that were more than 30 days late, it will drop the score faster than it went up. Also, it depends on if you paid the loan off really early or not. Example: If you took a 60 month loan, but paid it off in 4 months, it probably did very little for you. Hope this helped!

Is a 6.25 interest rate for a home mortgage to high?

VA Loan Rate is 6.37

Is a 6.25 interest rate for a home mortgage to high?

My mortgage interest rate is locked in at 6.25, which is awesome because it can get a lot higher (but I won't have to pay the higher rate, ever!)

Is a 6.25 interest rate for a home mortgage to high?

not much higher than the going rate these days, could be better, but it also depends on your financial and credit picture...

Is a 6.25 interest rate for a home mortgage to high?

sounds pretty good these days. assuming this is a fixed rate, 30 yr. mortgage you're talking about.

Is a 6.25 interest rate for a home mortgage to high?

It's reasonable... I think my wife %26amp; I are paying something like 6.254% on our mortgage and that was prime for our area. Impressive seeing as we are not in the good credit range.

Is a 6.25 interest rate for a home mortgage to high?

You might be able to get a better one but remember there are other cost factors that need to be considered like points etc.

How is your FICO score? If you bring it up 50 points or more you can bargain for a better rate.

And SHOP SHOP SHOP til you are satisfied there is no stone unturned.

If you are in the market for a mortgage, home equity loan, or refinance get up to 4 FREE No Obligation Mortgage Rate Quotes at http://www.m-o-r-t-g-a-g-e-r-a-t-e.com

Is a 6.25 interest rate for a home mortgage to high?

nationwide are advertising 25yr mortgage at 5.45% if you want to be tied in for that long.

Is a 6.25 interest rate for a home mortgage to high?

if your looking for home interest rate you should look for a fix rate.and keep it for 2 years and after that look for the lowest fix rate.6.25 is good but is it a fix rate or floater rate that goes up or down when when the bank needs money.thats what you need to know.

Is a 6.25 interest rate for a home mortgage to high?

You need to do your homework and look out points and fees, but I know that SunTrust and Countrywide mortgages are known nationally for having some of the lowest conventional mortgage interest rates in the business. I currently have a 6.0% on a 30-yr fixed, so I think you are in the ballpark.

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get

This debt resulted through a bad marriage in which everything was listed under my name - although I did not cause the debts - they were still under my name - I am trying to get back on my feet and want to get these debts consolidated and am happy to pay upto $300 each fortnight. My main problem is that as a result I have bad credit rating and because I do not own a house I cannot find a lender who will approve a loan - does anyone know what I can do?

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get debt cons loan

Pay off your debts starting with the lowest amounts. Pay them as much as possible while sending the others the minimum payment. If you can do balance transfers do that only if the interest rate is low.

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get debt cons loan

Try to transfer the debt to another credit company with a lower or no interest rate for like 6 months or so. Then try to pay off the debt as fast as possible.

Also you need to cut your costs severely if you want to get rid of this debt. Such as stop eating out, use electricity sparingly, cancel you internet connection and basically cutting out everything that you don't need or use.

You really need to stick this out because if you splurge on a new clothes or a night out, you fall into a downward spiral. Get this paid off ASAP!!! and then you can go back to the finer things in life.

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get debt cons loan

Check out an FHA home loan. It is designed for people with bad credit. It is a government backed loan for people looking to buy a home and may be a credit risk for a large bank. The drawback is that you have to pay a smallish mortgage insurance every month. Other than than, pay down your debt as quickly as possible and then apply for the loan. Buy a house for around $150,000 at about 6% and you could easily afford this on $3,000 net per month. Even though it is designed for people with poor or no credit it is still much better to have little debt. Having non mortgage debt that equals 20% of Gross Income is significant, and you must take care of that before you start the process.

How can I rid student loan debt??

I am a mother of 3...and have %26gt;$80,000 of student loans debts. I am employed making decent money, but am having difficulty repaying back since 3 maternity leaves and house mortgage less than my loans. i have already forbeared 3 X and am doing it again. I just feel left alone...for a productive mother and a middle class family (my husband recently started his own business. I already consolidated so that is not an option and I also have a fair interest rate 5%. Please help!

How can I rid student loan debt??

Been there, done that... Great interest rate, but yeah, that is a steep tab. Gonna have to decide what is important to you, and cut out everything else: magazines, cable TV, stuff like that, and bust it out. Even at $1000/month, it's still gonna take 8+ years to pay it off. Sell some stuff, drive a cheaper car. Believe me, when you get done paying it off, it is like a HUGE WEIGHT off of your shoulders.

How can I rid student loan debt??

Take a second job or more importantly if hubby isn't making as much as you with his new business, have him take a second job.

Cut household costs that aren't essential to you earning more money. Take an inventory of all expenditures and find out what is really non essential. Start a budget and stick to it. Even %26quot;lifestyle%26quot; expenses of the middle class family should be considered. Can't afford your middle class house? get rid of it. Your loan debt is just as important as your mortgage and filing taxes. Boat, second car, RV, whatever... scrutinize everything with hubby and don't let it creep SLOWLY out of control like a lot of middle class people do.... who eventually file bankruptcy.

Pay your student loans back happily and proudly, and be glad they gave you the opportunity to get a good job making decent money. I do!!

Been there done that. Me: 12 years and 2 deferments later.... a husband suddenly diagnosed with terminal disease who will never be able to work again, years of chemotherapy... all before the age of 30.

My life is not what I expected it to be when I borrowed that money, but I'm still paying my student loans and glad to do it.

Good Luck.

Took a home equity loan, never used it and never will. if I close it, will it hurt my credit rating/

Nope - as long as you repay it in full.

Took a home equity loan, never used it and never will. if I close it, will it hurt my credit rating/score?

This really depends on how long you have had said home equity loan?

This also depends on how many other accounts you have? The type of accounts? Also, the balance on the accounts in relationship to the high credit limit?

If you have a lot of credit already with lots of accounts that are old with low balances then no it will not hurt your credit score.

However, if you have a limited number of accounts and/or your accounts are recent and/or your accounts have a high balance in relationship to the available credit limit then closing this could in theory hurt your credit score slightly.

Took a home equity loan, never used it and never will. if I close it, will it hurt my credit rating/score?

Probably best to have a rest.looks like you can get some ideas here.http://homeloan.online-assistant.info/ho...

Getting back a promotional rate with credit cards?

After being with a card for 9 years and making all payments on time, a check got lost and I missed a payment. They dropped my promotional loan rate. I called and they won't reinstate it. Is there a way to get it reinstated?

Getting back a promotional rate with credit cards?

No, the rate increase is on the contract that you signed.

Getting back a promotional rate with credit cards?

That's weird after 9 years of consecutive on time payments. So, you're at the default rate for the missed payment? SOME cards, like mine, will reinstate your interest rate from the deafult after 5-6 months of consecutive on-time payments and no going over your limit.

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get

This debt resulted through a bad marriage in which everything was listed under my name - although I did not cause the debts - they were still under my name - I am trying to get back on my feet and want to get these debts consolidated and am happy to pay upto $300 each fortnight. My main problem is that as a result I have bad credit rating and because I do not own a house I cannot find a lender who will approve a loan - does anyone know what I can do?

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get debt cons loan

Pay off your debts starting with the lowest amounts. Pay them as much as possible while sending the others the minimum payment. If you can do balance transfers do that only if the interest rate is low.

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get debt cons loan

Try to transfer the debt to another credit company with a lower or no interest rate for like 6 months or so. Then try to pay off the debt as fast as possible.

Also you need to cut your costs severely if you want to get rid of this debt. Such as stop eating out, use electricity sparingly, cancel you internet connection and basically cutting out everything that you don't need or use.

You really need to stick this out because if you splurge on a new clothes or a night out, you fall into a downward spiral. Get this paid off ASAP!!! and then you can go back to the finer things in life.

I have a small debt of $8000, I don't own a house, have bad credit, earn upto $40K but cant get debt cons loan

Check out an FHA home loan. It is designed for people with bad credit. It is a government backed loan for people looking to buy a home and may be a credit risk for a large bank. The drawback is that you have to pay a smallish mortgage insurance every month. Other than than, pay down your debt as quickly as possible and then apply for the loan. Buy a house for around $150,000 at about 6% and you could easily afford this on $3,000 net per month. Even though it is designed for people with poor or no credit it is still much better to have little debt. Having non mortgage debt that equals 20% of Gross Income is significant, and you must take care of that before you start the process.

How do I know when is it the best time to sell a property?

How the loan rates affect the sale of a property or the price?

How do I know when is it the best time to sell a property?

When interest rates are low people do buy more. It does take time to sell and get to closing. See if you can find someone who can tell you whether the location is going to increase or decrease in value. Preferably a developer because an agent is a salesmen and will tell you what sounds good. If the property is on the rise then wait a little but if it is on the downfall sell it while you can.

How do I know when is it the best time to sell a property?

when the market is high, and thus is a sellers market. Right now it is becoming a buyers market because home prices are falling as the market takes a downward shift.

How do I know when is it the best time to sell a property?

http://www.pauld-kw.com

Need a good Realtor?

If In Alabama - e-mail me

If not in Alabama - I can still recommend an experienced Realtor from your area that will give you OUTSTANDING service! I work with a network of Realtors across North Amercia.

http://www.pauld-kw.com

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

11%!

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

11/100 or 11%

the interest rate is 11 percent

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

275 / 2500 = 0.11 =%26gt; 11%

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

11.0%

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

= $275/$2500 = .11 or 11%.

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

11%

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

11% if compounded annually, 10.481512588% if compounded monthly.

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

a little bit to much . but not as bad as credit card

If a loan of $2,500 for 1 yr and the interest charge is $275, what's the interest rate?

11 percent.

2775=2500(1+i)^1

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if y

I work in the auto finance business, believe me you can't beat 5.8%.

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if yes where?

5.8 % isnt a bad rate..

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if yes where?

If you have money invested in CD's or 401k you can borrow against your own money at a very low rate (usually around 2-3%)

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if yes where?

Depends on your car. If it is newer than a 2001 and has less then 70K miles on it then yes. Go to lendingtree.com or eloan.com they have great rates for used car refinancing if your car fits those specs.

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if yes where?

u cheap SOB pay the loan off...the rates dont get better than what u have...........

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if yes where?

Awesome rate. You locked in at a great time.

I suggest you keep it and just pay more to the principal monthly. State whether $50 or $100 more that it's to the principal. And you will reduce your bill at this great rate faster than some of us at 6.9%.

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if yes where?

I would kill for that rate.

I have an auto loan of approx. $10,000 @ 5.8% with a credit union. Can I get a better rate? and if yes where?

at 5.8%, on an auto loan, you are actually getting a pretty good rate. The bank I work for can't even touch that. WSJ prime rate is 8.25

A person was given a loan of 2500 for 1yr. If the interest charge is 275.00 what is the interest rat

($275/$2500)*100 = 11%APR

A person was given a loan of 2500 for 1yr. If the interest charge is 275.00 what is the interest rate?

11%. Its simple. Just divide 275 by 2500 and multiply by 100.

A person was given a loan of 2500 for 1yr. If the interest charge is 275.00 what is the interest rate?

rate=100*I/Pt=100*275/2500=11%

A person was given a loan of 2500 for 1yr. If the interest charge is 275.00 what is the interest rate?

11 %

A person was given a loan of 2500 for 1yr. If the interest charge is 275.00 what is the interest rate?

275*100/2500=11% simple interest

A person was given a loan of 2500 for 1yr. If the interest charge is 275.00 what is the interest rate?

i=prt

r=i/(pt)

p=2500

i=275

t=1

r=275/(2500*1)=.11=11%

Why do people say the Dems. don't have a plan, or agenda?

I've heard more from tangible ideas from then than I have ever heard from the Repubs.

Dem plans I have heard:

-Increasing the paltry min. wage.

-Cutting student loan rates.

-Re-examine the 9/11 commission

-Health care for all under age 25

-Working with other countries for more affordable prescription drugs

-Rolling back the %26quot;rich%26quot; people's tax cuts

Sounds like a plan to me? What do you think? Do you really think this will hurt America?

What was the Repubs. plan? What was going to be done for us, besides suppressing medical technology via stem cell banning or repressing individual autonomy by interfering w/ women's and gay rights? Enlighten me please!?

Why do people say the Dems. don't have a plan, or agenda?

I Can't enlighten you I am with you...

What they are saying is...By saying Dems do not have a plan...

Democrats do not have a plan that Republicans support or care about...they will increasing minimum wagemakes businesses shut down and prices go up...Well really..Oregon has had an increased minumun wage and have grown jobs by 10%... They misinform because...they care not for the guy down the street and only care for the guy they shave with (themselves)...

ELL ARTICULATED AND GREAT POINT..

TK%26gt;%26gt;%26gt;%26gt;

You made a point that why let government fund something that is only theoretically helpful... As if during Space Exploration we are doing something except spending money...Why are you not up in arms about NASA...I guess getting TANG...makes it worth it for you....

How about we take the Nasa money and spend it on finding cures...Oh wait I know....You do not have a Disease...So who gives a damn right!!!!

Also I read in a post who is going to pay for these programs...We for 3 years have been spending 10 million dollars an hour for a war of choice getting our heroes killed and occupying a middle eastern country...and Osama Bin Laden ...is not in that country...That is Amazing....and you never Scream..Who is paying for that war....You just keep guzzling Down the right wing Kool-aid....

Why do people say the Dems. don't have a plan, or agenda?

The Big Fish is Iraq. if they have a plan that will withdraw the troops and stabilize Iraq within 15 months, they deserve the predicency

Why do people say the Dems. don't have a plan, or agenda?

America would never have gone for this plan. That's why dems ran on the %26quot;no plan%26quot; plan.

Why do people say the Dems. don't have a plan, or agenda?

Because thay don't have a plan or agenda, just a bunch of ill considered ideas.

Why do people say the Dems. don't have a plan, or agenda?

THE REPUBLICANS DO NOT TELL THE TRUTH.

THE CLOSEST THEY COME ARE HALF TRUTHS.

Why do people say the Dems. don't have a plan, or agenda?

not sure where the question is here...

Dems do not have a plan because they do not discuss one. They just critque everyone elses plans.

The plans that you pointed out are not really plans, they are OBVIOUS, which makes them contemptable.

Banning FEDERAL TAX dollars in the stem cell debate shouldn't irritate anyone. Why should I HAVE TO PAY for something that has THEORITICAL USE at best??

Interfering with Women's rights? What? Abortion? How is abortion YOUR right? Did you have the baby by yourself? I would like to know why the FATHER has been ejected from the Abortion debate all together? Why is it a womans issue, when the women only plaid 50% of the part in it?

Why do people say the Dems. don't have a plan, or agenda?

Who is going to pay for it?

Why do people say the Dems. don't have a plan, or agenda?

Well, you can call 'em %26quot;plans%26quot; if you want - I call 'em income redistribution.

Try this on instead - where are the %26quot;plans%26quot; for:

Medicaid

Medicare

Social Security

and a whole host of other Dem-inspired good ideas that are financially unsustainable?

There aren't any are there? Believe me - once the doo-doo hits the fan on these and other giveaway programs you'll see members of Congress retiring (read: fleeing) so fast it'll make your head spin!

Why do people say the Dems. don't have a plan, or agenda?

Who are the people , my first question? if they r the neo-cons , they are washed away by the American people. certainly there are some plans and positive new plans indeed.

we have more important role to play in the global scenario rather than sending our sons to die in a far away land.

Why do people say the Dems. don't have a plan, or agenda?

i dont know, i am with you though...Kerry (for example) always had plans laid out to explain the topics he felt strongly about but people were so feable minded during that election and allowed themselves to succumb to the powers of fear mongerers. thank goodness the fog lifted a bit but we still have many years of cleaning up to do and IQ's to try and lift up out of the basements so to speak so that the people of America will learn that strategy takes more than just brute force.

Why do people say the Dems. don't have a plan, or agenda?

I think what's most important is that both parties come together and determine what is the best plan in keeping with our safety, our joy and our rights. I feel the people need to play a part, too, rather than sitting back and watching the show. We've seen that one-sidedness gets us nowhere.

Why do people say the Dems. don't have a plan, or agenda?

Where is the plan to keep us from getting our *** kicked ?

Why do people say the Dems. don't have a plan, or agenda?

The GOP had TOTAL control for the last 6 years, and yet couldn't find a way to do anything of consequence (except get us stuck in Iraq). They had one goal - give the rich lots of tax cuts. Once they accomplished that, they couldn't be bothered to do much else. There's a reason Democrats controlled Congress for 50 years, while the GOP was only able to keep control for little over a decade. I think the next 50 years of Dem control started yesterday.

Why do people say the Dems. don't have a plan, or agenda?

Sounds good. But look at the big picture.

Increase minimum wage = Higher prices to pay for increase

Cutting student loan rates = cutting teacher salaries and educational programs thus cutting education

Re-examine the 9/11 Commission = more spin, no results

Health Care = You mean like Clinton promised? We're still waiting his great plan that never happened.

Working for affordable drugs = Every republican on the campaign trail promised the same thing.

Rolling back the tax cut = higher interest rates, higher prices and inflation through the roof (like during Clinton's reign = the lowest drop in the stock market since the depression)

Do I think this will hurt America, you ask. You answer.

Do you think federal policies of the last several years contributed to the mining deaths?

that is ....policies during the administration of President Bush and his Republican controlled house of representatives and senate?

How about tainted food?, defective toxic and dangerous imports?? high student loan rates, declining real wages??, etc....???

Do you think federal policies of the last several years contributed to the mining deaths?

No, we shouldn't blame bush for the adverse affects of any of his policies, that would like, oh...blaming the guy who's responsible.

We don't do that here in America anymore, 911 changed everything.

PS: It wasn't an an earthquake, the mine collapsed. Try some actual science next time.

Do you think federal policies of the last several years contributed to the mining deaths?

Wow, this is a record.

It took a full ten days before somone got around to blaming Bush for the mine collapse.

I'm proud of you.

Do you think federal policies of the last several years contributed to the mining deaths?

My hose broke when I was watering the lawn. I think this is an outrage, why did Bush deregulate lawn and garden? I think he should be impeached. To think that he calls himself a republican when hoses all over this great nation are breaking. Hillary promises, no hose breaking on her watch. Relevant as your question!

Do you think federal policies of the last several years contributed to the mining deaths?

They have cut funds for enforcement and inspections, that much is true.

Do you think federal policies of the last several years contributed to the mining deaths?

No, earthquakes and seismic activity are the cause of this.

Bush Derangement Syndrome.

Do you think federal policies of the last several years contributed to the mining deaths?

The federal policy from MSHA for the last several years has cited that particular mine numerous times for safety violations.

However, no amount of safety regulations are going to stop seismic activity which was the cause of both collapses at that mine.

Tainted food - Yes the items were recalled per FDA regulations, but they still made it to the table to make people sick.

Defective, toxic and dangerous imports - These items being manufactured outside of the US presents a problem due to our regulations do not apply outside of the US. These items cannot be checked until they hit our ports and yet they are not checked.

Student loan rates - These are directly controlled by the government, but not directly by the president or congress.

Declining real wages - That is what happens when you allow illegals to flood the labor market for the business that stay in the US as well as cumbersome regulations forcing manufacturing to move overseas.

It could be said that our government is not doing all that it can to inspect the safety of goods sold in the US but these problems have been ignored by all of the administrations.

It could also be said that tighter regulations will only force more businesses to leave.

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until

is paid off. i could also cancel full coverage for liability

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

Depends.

Things to consider:

- What will be your minimum payment as a credit card? How long will it take to pay off? With auto loans, this is clear. With credit cards, it takes some math. You might not be able to afford the payments, or the minimum payment may be low, but it takes 30 years to pay off the loan.

- Is the fixed rate really fixed, or can they change it at any time. With most cards, they can.

- You will own your car free and clear, that could save money on car insurance.

- If you do this, you CANNOT use your credit card for purchases or anything else until you pay off your balance. If you do, your next payment will pay the 5.97% loan first, and leave the 20+% part of the loan you use for the purchase garnering interest.

--%26gt;Adam

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

sounds like a better deal less intrest and no full covrage i would

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

Dont be crazy... you cant ever write any intrest off a credit card... you would be CRAZZZY... call your tax acct

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

Are there fees for the transfer of the balance? If there are you might have to look at an amortization table to determine what is better. If there is a fee, you have to add that to the total amount of the %26quot;loan%26quot; or balance of the CC. Also, understand that the CC can charge substantially more interest if you miss a payment by 1 day depending on the terms and conditions of the card.

Also, do not cancel your liability insurance. I assume you meant the collision or comp. In many states (if not all) the liability insurance is required.

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

You will be better off as long in the long run to transfer it as long as you continue to make the same monthly payment. If you lower your payment to the minimum that the credit card requires, you may end up paying more in the long run.

Liability insurance will probably still be required for your state. You can cancel comp and collision if you want, but if you wreck it tomorrow, then you are SOL. I would never take that chance. Your car is obviously worth more than $5,000 or else you wouldn't owe that much on the loan. Why would you want to cancel your policy and take the risk of having nothing tomorrow?

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

If you follow through with the transfer DO NOT be late on a credit card payment! They often times can switch you back to the highest interest rate if you are late. With most auto loans you have a 7 day grace period.

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

absolute not !!!! As soon as you make one late payment

that credit card is just waiting to jack it up 20% or more.

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

Cutting your interest rate in half is a smart move and you will be saving on insurance on top of it. There are a few things you need to consider.

How long is the 3.99% rate available and will you pay off the loan before that rate expires.

Will you be able to make timely payments each and every month because when you're dealing with introuctory APRs they revert back to the standard rate which can be up to 24.99% the moment you make a late payment or miss a payment altogether.

If you answered yes to both questions then go for it however, depending on the value of your car, you should add fire and theft to your liability coverage because it sucks to pay for a car you don't have! Cover bases!

Should i transfer my car loan at 5.97% on 5000.00. to a credit card with a fixed rate at 3.99% until balance?

Credit card balance transfer is one of the preferred ways to get rid of credit card debt and is used by many people to get immediate relief. Credit card balance transfer essentially means that we transfer our outstanding balances from a high APR credit card to a credit card which offers low APR's. A 0% Intro APR credit card is the preferred credit card to transfer balances, but because of the widespread misuse of such credit card offers, credit card companies have withdrawn all such offers.

Indeed balance transfer saves a lot of money and can save things from going worse, but many people simply don't know the right way to do balance transfer. This article takes a look at the correct process to initiate and complete the balance transfer.

The first thing to look out, when a person wants to transfer his balances is a credit card which offers the lowest apr rates and lowest balance transfer fees. Many online credit card companies offer credit card comparisons. It is indeed a good practice to search for the credit cards using their services and decide on a credit card which offers the maximum savings. It is important to note here that balance transfer APRs depend on a person's credit history. If the credit card in question offers the lowest rates, it is definitely for those with the best credit ratings. There are different balance transfer apr's for people with lower credit ratings. So, it becomes imperative that one chooses the credit card which offers the lowest apr and balance transfer fees for his credit ratings. Read more from: http://www.credit-card-gallery.com/artic...

Why Do people DISS credit cards so Hard?

http://www.ewisdom.com/r/index.php?10071

http://www.credit-card-gallery.com/cc.ph...

(same card, same link on both of those pages!! )

1. DO the people that suggest staying away from Credit Cards (Debt) not realize you have to have credit no matter what? I'm doing this because i have to... i.e. buildin good credit to avoid higher loan rates in the future for a house or a new car...

2. well i applied for the card and i got %26quot;APPROVED%26quot;, so thats that right? i'm set, goood to go? that easy huh?

once I get the card will only use it to finace this trip gas charges oNLY $800-1200... and once i come back, pay it off right away...

or ideally USE it to pay my normal MONTHLY bills/fee's, ect, ect. with the idea in mind to PAY IT OFF MONTHLY and on time and then i'm good, its a WIN/WIN.. i get rewards for the usage,, i build up a good credit history..

i can' fanthom what the problem is? or what the big hub bub or danger of it all is?

please feel free to chip in?!!

oNe

Why Do people DISS credit cards so Hard?

The hub bub is when you DON'T pay that 800 balance off! And just keep adding to it

Why Do people DISS credit cards so Hard?

i don't have one myself, but i think the problem is that most people don't pay right away, and their interest builds up. Personally, if it were me, I would pay off each month entirely to not fall into that trap that millions have. I believe that is why most people have a bad feeling in their gut when credit cards come up in conversations. You seem to be very responsible with yours, so you will undoubtedly be fine with the credit card aspect of your financial endeavors.

Why Do people DISS credit cards so Hard?

If you have student loans, and youre paying them back on time, youre already building great credit.

If you have a car note that you pay on time, youre building great credit.

Credit cards charge you high interest rates for things you can already pay for in cash. If you dont have the cash for it, why are you buying it? Save your money and dont pay unneccessary interest.

******You dont need a credit card to buy online, either. If you have a DEBIT card with a Visa or Mastercard logo, you're good to go.

Why Do people DISS credit cards so Hard?

Interest is what kills people and what credit card companies love because it makes them so much money. People who don't pay their first bill just are in a whole lot of trouble because the debts just keeps increasing.

Why Do people DISS credit cards so Hard?

Maybe they speak from personal experience. I do.

You don't need credit cards. Period. You absolutely don't need them and anyone who tells you that you do, lies.

You do need a credit card to rent a car, and to pay for things online. Those two things aren't necessary aspects of life. So credit cards are still not *needed.*

You do not need credit cards to build credit. You can take out a loan from the bank and it will accomplish the same thing. You can save up to buy just about anything. If you save up enough down on a car or a house for example, the bank will give you a loan anyway, whether you have credit or not.

There are a lot of people in this country who are in WAYYYYY over their heads in credit card debt. *That* is why people are %26quot;dissing%26quot; credit cards. So many people wind up carrying a balance on them and paying rip-off rates of up to 30% for things they didn't even need in the first place. Some people are just too compulsive to have cards.

Did you know that there was a study done by Dunn and Bradstreet that said that people who use credit cards spent 12-18% more per shopping trip than people who used cash. It's psychological apparently for most people. It seems okay to spend more on a credit card if the available credit is there, but when you're out of cash in your wallet, you're out of money and can't spend any more. So many people approach credit cards as being money that they have in the bank, when really it's the bank's money that you're borrowing.

http://soundmoneytips.com/article/20333-...

Haven't you heard people say %26quot;I'm in debt $30,000 and I don't even know what I spent it on!%26quot; If you haven't heard that you haven't been reading this forum enough.

Why Do people DISS credit cards so Hard?

There is no problem with credit cards. It's the people who are irresponsible that have them. They are the ones complaining that they are getting ripped off with interest rate charges and fees. The problem is that they are uneducated about finances in life.

If you use them wisely, over time you get the lowest interest rates when you buy cars, houses, rental property for the rest of your life. Also, in most companies, they won't hire someone who has a bad credit score.

The KEY is to pay off monthly. I've been doing it for over 10 years. I have the best credit score, car companies give me a 0% loan for 36 months (what a deal!) when buying a car. Rewards cards give me 5% back on gas (Current CC only do 3% now). I'm saving hundreds in gas each year.

What is today's rate for 30 yr fix if I put down 5% for a loan of 350000?

Blanket quotes are basically meaningless. In addition to knowing the loan program, the purchase price and the loan amount, we also need to know:

1. Usage: primary residence, vacation, investment

2. # of units: 1 - 4

3. Your credit score.

4. Income documentation type, eg full doc, stated income, etc.

Also, contrary to what a previous responder wrote, banks lend all the time with 5% down on $350K.

What is today's rate for 30 yr fix if I put down 5% for a loan of 350000?

It'll depend on your credit history and the lender.

Check with a bank, credit union, or one of the online lenders.

What is today's rate for 30 yr fix if I put down 5% for a loan of 350000?

I don't think you'll get a $350,000 loan with 5% down. Most banks will consider that too risky.

You will pay above the standard rate which today ranges from 6.5% to 10+% depending on the number of years and your credit rating.

You are forgetting that your personal credit rating is how you get the best interest rate, plus the bigger downpayment (20% or more) gets the better interest rate.

Those are variables that only your banker where you do your checking and saving can answer, after you give your personal information.

GOD bless us one and all, always.

CPA-retired

What is today's rate for 30 yr fix if I put down 5% for a loan of 350000?

There are so many variables here..

How is your credit, better rates are given to those with really good credit.

Where do you live, each state, and sometimes even county have different rates.

Right now in Northren California the rates are standing at about 6%.

Before jumping into anything shop around, as different banks can also offer different rates.

But on a $350k home with 5% down, hmmm this leaves you with $332,500k to finance, not great , but ok.

So you'd have to add 6% to that balance this is going to put you at about $19,500 a year.. YIKES that's $585,000 in interest rates alone, your $350k home just cost you $935K...

Shop around please, and if you can wait until you have more of down payment, best to come in with at least $100k when shopping for a home of any size.

Good Luck

What is today's rate for 30 yr fix if I put down 5% for a loan of 350000?

The best place to ask that q. is with your friendly local banker. Of course you knew that. You were wondering if anyone has a better rate.

Of course, why not. But there are a lot of fancy-dancy deals with banks and financial institutions that one cannot cover them all here. In the end, the bottom line is, nobody gives somethig for nothing. After all they are in the business to make money, with other people's money. This is the fundamental principle. You knew that too. If you are borrowing large sum, obviously you should be smart too.

If you are looking for a rate here, you have come to the wrong place. That's the best answer I can give you. Anyone giving you a spat answer here with a rate could be misleading you. Buyer beware.