Tag: Monthly
Tips For Getting The Most Out Of Car Credit In Tucson, AZ
For many people, their car is their second-largest investment after their home. So when it comes to financing a car, it’s important to get the best deal possible. Here are some tips to help you get the most out of your car credit in Tucson, AZ:
1. Get pre-approved for a loan.
The first step is to get pre-approved for a loan from your bank or credit union. This will give you a good idea of what interest rate you’ll be paying and how much you can afford to borrow.
2. Shop around for the best interest rate.
Once you know how much you can afford to borrow, it’s time to start shopping around for the best interest rate. There are a few different ways to do this:
– Check with your local bank or credit union. They may offer special rates for customers.
– Shop online. There are a number of websites that allow you to compare interest rates from different lenders.
– Call around to different lenders. Be sure to ask about any special rates or programs they may have for car buyers.
3. Negotiate the interest rate.
Once you’ve found a few lenders that you’re interested in working with, it’s time to start negotiating the interest rate. Remember, the interest rate is just one piece of the puzzle. You also need to consider the length of the loan, the monthly payment, and the total cost of the loan.
4. Get a loan with a shorter term.
One way to save money on your car loan is to get a loan with a shorter term. This will lower the interest rate and the monthly payment. However, it will also mean that you’ll have to pay off the loan sooner.
5. Make a large down payment.
Making a large down payment is another great way to save money on your car loan. The larger the down payment, the lower the interest rate and the monthly payment.
6. Consider a used car.
If you’re really looking to save money, consider buying a used car. Used cars are often much cheaper than new cars, and you can get a great deal on a used car if you know where to look.
7. Don’t be afraid to walk away.
If you’re not getting the deal you want, don’t be afraid to walk away. There are plenty of other dealers and lenders out there, and you’re sure to find a better deal if you keep looking.
By following these tips, you’ll be sure to get the best deal possible on your car loan in Tucson, AZ.
Read More »What’s The Average Monthly Salary For Recent Grads?
The job market for recent college graduates is improving, but the average monthly salary is still lower than it was pre-recession. In fact, according to the National Association of Colleges and Employers (NACE), the average monthly salary for Class of 2015 graduates is just $16,442.
That’s a far cry from the $21,619 average monthly salary earned by Class of 2007 graduates (in 2015 dollars). But it’s an improvement over the $15,564 average monthly salary earned by the Class of 2014.
The good news is that the job market is improving for recent grads. The NACE Job Outlook survey found that employers plan to hire 5.2% more new college graduates from the Class of 2016 than they did from the Class of 2015. And starting salaries are expected to increase 3.4% over last year.
But even with those improvements, the average monthly salary for recent grads is still below pre-recession levels. So, if you’re a recent grad, don’t expect to start out making as much as your older counterparts. But do expect to have better job prospects than recent grads have had in the past few years.
If you’re a recent grad, you’re probably wondering what your peers are earning. Here’s a breakdown of the average monthly salary for recent grads, by degree.
Average monthly salary for recent grads:
Bachelor’s degree: $3,327
Master’s degree: $3,746
Doctoral degree: $4,664
The average monthly salary for recent grads with a bachelor’s degree is $3,327. The average monthly salary for recent grads with a master’s degree is $3,746. The average monthly salary for recent grads with a doctoral degree is $4,664.
As you can see, there is a significant difference in the average monthly salaries of recent grads with different degrees. If you’re a recent grad with a bachelor’s degree, you can expect to earn about $3,327 per month. If you have a master’s degree, you can expect to earn about $3,746 per month. And if you have a doctoral degree, you can expect to earn about $4,664 per month.
Of course, these are just averages, and your actual salary will depend on a number of factors, including your field of study, your geographic location, and your experience level.
So, if you’re a recent grad, what can you expect to earn? The answer, of course, is that it depends. But if you want to get an idea of the average monthly salary for recent grads, by degree, this breakdown should give you a good starting point.
Read More »How To Get A Promo Code For Time Warner Cable
Do you want to get a promo code for Time Warner Cable? Of course you do! Who wouldn’t want to save money on their monthly bill? Here are a few ways to get your hands on a promo code:
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Check the website. Time Warner Cable often posts promo codes on their website. These codes can be used to get a discount on your monthly bill.
Call customer service. If you can’t find a promo code on the website, give customer service a call. They may be able to give you a code that you can use.
Ask around. If you know somebody who works for Time Warner Cable, they may be able to hook you up with a promo code.
Wait for a promotion. Time Warner Cable will occasionally run promotions where they offer promo codes to their customers. These promotions usually happen around holidays or when a new service is launched.
Keep an eye on the mail. Time Warner Cable will sometimes send promo codes in the mail. If you’re a current customer, be sure to check your mail for any possible discounts.
Following these tips should help you get your hands on a promo code for Time Warner Cable. Be sure to take advantage of any discounts you can get!
Time Warner Cable is one of the largest cable companies in the United States, offering TV, Internet, and phone service to millions of customers. If you’re looking for a promo code to get a discount on your Time Warner Cable service, you’ve come to the right place. Here’s a step-by-step guide to getting a promo code for Time Warner Cable:
Go to the Time Warner Cable website and click on the “My Services” tab.
Click on the “Promotions” link.
Enter your zip code and select your service type.
Click on the “View All Promotions” button.
Find a promo code that you want to use and click on the “Apply” button.
Enter your promo code in the Promotions Code field and click on the “Apply” button.
Your promo code will be applied to your account and you’ll see the discount reflected in your total amount due.
Read More »The Pros And Cons Of The Electric Car Credit
The best way to find the right information for you is to do the research, talk to professionals and weigh your options. Armed with the right information, you can make a better-informed decision that puts your needs, and budget, first. OnlineLoansFlorida.com is a experienced personal finance blog. They writing blogs and articles on money, debt and loans since 2010.
Are you considering buying an electric car? If so, you may be wondering if there are any pros and cons to using an electric car credit card. Here are a few things to consider:
Convenient – electric cars are often much more convenient to use than gas cars. This is because you don’t have to go to a gas station to get your car, you don’t have to worry about your battery dying, and you don’t have to worry about emissions.
Lower monthly payments – electric cars often require lower monthly payments than gas cars. This is because you simply don’t need to buy a new battery each time you want to use your car.
Reduced emissions – electric cars produce no emissions, which can be a big advantage if you want to reduce your environmental impact.
No registration – electric cars don’t require a driver’s license or registration, which can be a big advantage if you want to keep your car hidden from potential thieves.
There are of course many other factors to consider when deciding if an electric car credit card is right for you. However, these four factors should give you a good idea of what to consider. If you’re still unsure, you can always ask your banker or financial advisor for help.
Electric cars are on the rise in popularity, and there are plenty of pros to consider before making the switch. Here are a few:
Electric cars are much cheaper to operate than traditional gasoline cars.
Electric cars have zero emissions, which means you can breathe easy when driving.
Electric cars are more environmentally friendly than traditional cars, as they produce no emissions when you drive.
Electric cars are becoming more popular as they become more affordable.
Electric cars have a lot of potential for growth, as they are becoming more popular in countries like China and Europe.
So, is the electric car credit score a good decision? It depends on your needs and preferences. If you’re looking for a low-cost option that’s environmentally friendly and popular, then the electric car credit score may be a good fit. However, if you want a high-quality, environmentally friendly car, the electric car credit score may not be the right choice for you.
Read More »Adjustable Rate Mortgages: What You Need To Know
An adjustable rate mortgage, or ARM, is a type of home loan that starts with a low, fixed-rate introductory period and then adjusts upwards to a higher, variable rate. The initial interest rate on an ARM is typically lower than the interest rate on a fixed-rate mortgage, making it an attractive option for homebuyers who are looking to save money on their monthly mortgage payments.
However, there is one key downside to an ARM: the interest rate is not fixed for the life of the loan, which means that your monthly payments could go up – sometimes significantly – after the introductory period ends. For this reason, it’s important to understand how ARMs work before you decide whether this type of mortgage is right for you.
The best way to find the right information for you is to do the research, talk to professionals and weigh your options. Armed with the right information, you can make a better-informed decision that puts your needs, and budget, first. OnlineLoansFlorida.com is a experienced personal finance blog. They writing blogs and articles on money, debt and loans since 2010.
How Adjustable Rate Mortgages Work
As we mentioned, adjustable rate mortgages typically start with a low, fixed-rate introductory period. The length of this period can vary from loan to loan, but it is typically five, seven, or 10 years. After the introductory period ends, the interest rate on the loan will adjust upwards to a variable rate.
The new interest rate will be based on an index plus a margin. The index is usually the London Interbank Offered Rate (LIBOR), which is the rate that banks charge each other for short-term loans. The margin is a fixed percentage rate that is added to the index to determine the new interest rate on the loan.
For example, let’s say you have a 5/1 ARM with an interest rate of 3.5%. This means that your interest rate will be fixed for the first five years of the loan, and then it will adjust every year after that. Let’s say the index rate is 2.5% and the margin is 2.0%. This means that your new interest rate will be 4.5% (2.5% + 2.0%).
As you can see, the interest rate on your loan can go up quite a bit after the introductory period ends. This is why it’s important to understand how ARMs work before you decide to get one.
The Benefits of Adjustable Rate Mortgages
Despite the potential for rising interest rates, there are still some advantages to adjustable rate mortgages.
The most obvious benefit is the lower interest rate during the introductory period. This can save you a significant amount of money on your monthly mortgage payments. For example, let’s say you have a $250,000 mortgage with a 5% interest rate. Your monthly payment would be $1,342. If you got a 5/1 ARM with a 3.5% interest rate, your monthly payment would be $1,195 – a savings of $147 per month.
Another benefit of adjustable rate mortgages is that they can help you qualify for a bigger loan. This is because the lower interest rate during the introductory period means that your monthly payments will be lower, which means you can qualify for a bigger loan. This can be a great option for homebuyers who want to buy a more expensive home than they would be able to afford with a fixed-rate mortgage.
The Downsides of Adjustable Rate Mortgages
As we mentioned, the biggest downside of adjustable rate mortgages is the fact that the interest rate is not fixed for the life of the loan. This means that your monthly payments could go up – sometimes significantly – after the introductory period ends.
For example, let’s say you have a $250,000 mortgage with a 5/1 ARM and an interest rate of 3.5%. This means your interest rate will be fixed for the first five years and then will adjust every year after that. Let’s say the index rate is 5.0% and the margin is 2.0%. This means your new interest rate will be 7.0% (5.0% + 2.0%).
At a 7% interest rate, your monthly payment would be $1,698 – a increase of $356 per month from your payment at the 3.5% interest rate. As you can see, your monthly payments can increase quite a bit after the introductory period ends.
Another downside of adjustable rate mortgages is that they can be hard to refinance. This is because the interest rate on your loan will adjust upwards after the introductory period, which means your monthly payments will go up. This can make it hard to qualify for a new loan with a lower interest rate.
Should You Get an Adjustable Rate Mortgage?
Adjustable rate mortgages can be a great option for homebuyers who are looking to save money on their monthly mortgage payments. However, it’s important to understand how they
Read More »The Basics Of Payroll Processing – What It Is, How It Works, And Why It’s Important.
Payroll processing is the process of calculating employee wages and withholding taxes and other deductions from their paychecks. It also involves issuing payments for employees’ work, such as vacation pay and bonuses. Payroll processing is an important function of any business, as it ensures that employees are paid accurately and on time.
The first step in payroll processing is to calculate the gross pay for each employee. This includes the employee’s regular hourly rate, any overtime pay, and any other special payments, such as commissions or bonuses. Once the gross pay is calculated, payroll software will automatically withhold taxes and other deductions, such as health insurance and retirement contributions. The net pay, which is the employee’s take-home pay, is then calculated and a paycheck is issued.
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Payroll processing is typically done on a weekly or biweekly basis, although some businesses process payroll more frequently, such as daily or monthly. Payroll processing can be done manually, but most businesses use payroll software to automate the process. This can help to reduce errors and save time.
Payroll processing is an important function of any business, as it ensures that employees are paid accurately and on time. By understanding the basics of payroll processing, you can ensure that your business runs smoothly and your employees are happy.
Payroll processing is the process of calculating employee wages and withholding taxes and other deductions from their pay. Payroll is typically processed on a biweekly or monthly basis, and employees are typically paid via direct deposit or paper check.
Payroll processing is a critical function for any business, as it ensures that employees are paid correctly and on time. It also helps to ensure that businesses comply with all applicable payroll tax laws and regulations.
There are a number of software solutions available that can automate payroll processing, making it easier and more efficient. However, it’s important to choose a solution that is right for your business, as there can be a significant cost associated with payroll processing software.
At its most basic, payroll processing involves four key steps:
– Collecting employee time and attendance data
– Calculating employee wages
– Withholding taxes and other deductions
– issuing payments to employees
These steps can be completed manually, but most businesses choose to use payroll software to automate the process. This can save a significant amount of time and money, as well as help to ensure accuracy.
Payroll processing is an essential function for any business. It helps to ensure that employees are paid correctly and on time, and that businesses comply with all applicable payroll tax laws and regulations.
Read More »The Pros And Cons Of Student Loan Refinancing At A Credit Union
Refinancing your student loans can be a great way to save money on your monthly payments and/or pay off your loans faster. But there are a few things to consider before you refinance, especially if you’re considering refinancing at a credit union. In this blog post, we’ll go over the pros and cons of refinancing your student loans at a credit union so you can make the best decision for your finances.
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The Pros
There are a few key advantages to refinancing your student loans at a credit union, including:
– Lower Interest Rates: Credit unions typically offer lower interest rates than banks or other lenders. So if you’re looking to save money on your monthly payments and/or pay off your loans faster, refinancing at a credit union could be a good option.
– No Origination Fees: Many lenders charge origination fees when you refinance your loans. But credit unions typically don’t charge these fees, which can save you a significant amount of money.
– Local Service: When you bank with a credit union, you’re supporting a local business. And if you have any questions or problems, you can usually just stop by your local credit union branch and talk to someone in person. This can be a big advantage over dealing with a big bank or online lender.
The Cons
There are also a few potential drawbacks to refinancing your student loans at a credit union, including:
– Limited Loan Options: Credit unions typically have a limited number of loan options compared to banks and other lenders. So if you’re looking for a specific type of loan, you may not be able to find it at a credit union.
– Membership Requirements: In order to join a credit union, you usually have to meet certain requirements, such as working for a certain company or living in a certain area. So if you don’t meet the requirements, you may not be able to join.
– Lower Loan Amounts: Credit unions typically offer lower loan amounts than banks or other lenders. So if you’re looking to refinance a large student loan, you may not be able to do so at a credit union.
All things considered, refinancing your student loans at a credit union can be a great way to save money on your monthly payments and/or pay off your loans faster. But there are a few things to keep in mind before you make a decision. Weigh the pros and cons carefully to decide if refinancing at a credit union is right for you.
Read More »How Mortgage Freedom Can Help You Achieve Your Dreams
Most people have a dream in life. For some, it’s to own their own home. For others, it’s to retire early and enjoy a comfortable lifestyle. No matter what your dream is, mortgage freedom can help you achieve it.
What is mortgage freedom? It’s simply the act of paying off your mortgage as quickly as possible. While this may seem like a daunting task, it’s actually quite achievable if you’re willing to put in the effort.
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There are a number of benefits to becoming mortgage free. First, you’ll have more disposable income each month since you won’t be making mortgage payments. This extra money can be used to save for retirement, travel, or anything else you want to do.
Second, you’ll have peace of mind knowing that you own your home outright. This can be a huge weight off your shoulders, especially if you’re worried about losing your home to foreclosure.
Finally, becoming mortgage free can help you achieve your dreams. If you’ve always wanted to retire early, for example, you can use the extra money you’re saving to make that happen.
If you’re ready to start working towards mortgage freedom, there are a few things you can do to get started. First, make sure you’re making all your mortgage payments on time. This will help you build up equity in your home and pay off your mortgage faster.
Second, consider making additional payments each month. Even an extra $50 or $100 can make a big difference over the life of your loan.
Finally, refinance to a shorter loan term if possible. This will increase your monthly payments, but you’ll pay off your mortgage faster and save money in the long run.
No matter what your dream is, mortgage freedom can help you achieve it. If you’re ready to start working towards a bright future, follow the tips above and start down the path to mortgage freedom today.
Read More »The Pros And Cons Of Spotify And Apple Music
It’s no secret that Spotify and Apple Music are two of the most popular streaming services out there. But which one is the best? Here, we take a look at the pros and cons of both Spotify and Apple Music, to help you decide which one is right for you.
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Spotify
Spotify is a music streaming service that offers users a huge library of songs to choose from. You can either listen to music for free with ads, or pay a monthly subscription fee to remove ads and get some extra features.
One of the biggest advantages of Spotify is that it’s available on just about every platform, including iOS, Android, Windows, and Mac. This means you can listen to your music no matter where you are.
Another big advantage of Spotify is that it offers a great free tier. Even if you don’t pay for a subscription, you can still listen to music with ads. This is a great option for people who don’t want to commit to a monthly subscription but still want to enjoy music streaming.
However, there are also some disadvantages to using Spotify. One of the biggest is that you need an internet connection to use it. This can be a problem if you’re trying to listen to music on the go and don’t have a good data plan.
Another downside of Spotify is that it doesn’t offer a lot of customization options. For example, you can’t choose which songs are played in shuffle mode. This can be frustrating if you’re trying to create a specific mood or playlist.
Apple Music
Apple Music is a music streaming service from Apple. It offers a similar experience to Spotify, with a huge library of songs to choose from. You can either listen to music for free with ads, or pay a monthly subscription fee to remove ads and get some extra features.
One of the biggest advantages of Apple Music is that it integrates seamlessly with all of your other Apple devices. If you have an iPhone, iPad, or Mac, you can easily listen to your music on any of those devices.
Another big advantage of Apple Music is that it offers a great variety of exclusive content. For example, you can only find Taylor Swift’s latest album on Apple Music. This can be a big selling point for some people.
However, there are also some disadvantages to using Apple Music. One of the biggest is that it’s only available on Apple devices. This can be a problem if you don’t have any Apple devices, or if you’re trying to use it on a non-Apple device.
Another downside of Apple Music is that it can be difficult to find specific songs or albums. This can be frustrating if you’re trying to create a specific mood or playlist.
So, which is the best streaming service?
Spotify and Apple Music both have their pros and cons. If you’re trying to decide which one to use, it really depends on your specific needs and preferences.
If you’re looking for a service that’s available on just about every platform, Spotify is a great option.
If you’re an Apple user and you’re looking for a service that integrates seamlessly with your other devices, Apple Music is a great option.
If you’re looking for a service with a lot of exclusive content, Apple Music is a great option.
If you’re looking for a service that’s easy to use and has a lot of customization options, Spotify is a great option.
Read More »The Disadvantages Of A Car Loan With No Money Down And Bad Credit
The most obvious disadvantage is the high interest rate that will be charged on the loan. This will add considerably to the overall cost of the car, and will make it more difficult to afford the monthly payments. In addition, the terms of the loan will be much less favorable than for a loan with good credit, and the loan may be for a shorter term. This means that the borrower will have to make higher monthly payments, and will have the loan paid off in a shorter time frame.
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Another disadvantage of a car loan with no money down and bad credit is that the borrower may have difficulty qualifying for the loan. Lenders will often require a higher credit score for these types of loans, and the borrower may need to provide collateral, such as a car or home, to secure the loan.
Finally, a car loan with no money down and bad credit may have a negative impact on the borrower’s credit score. This is because the late payments and high interest rates associated with these loans can damage the borrower’s credit rating.
Despite these disadvantages, a car loan with no money down and bad credit may be the only option for some borrowers. If the borrower is able to make the monthly payments and keep the loan for the entire term, the loan can help to rebuild the borrower’s credit.
You’re going to have a higher interest rate, which means higher monthly payments. You’re also going to have a shorter loan term, which means you’ll pay more in interest over the life of the loan. And, if you have a really bad credit score, you might not even be able to get a car loan at all.
But there are some advantages to car loans with no money down and bad credit, too. For one, you can get into a car sooner than you would if you had to save up for a down payment. And, if you’re looking for a used car, a no money down loan can be a good way to finance it. You can also use a no money down loan to improve your credit score. By making your monthly payments on time, you can slowly but surely improve your credit score.
So, while there are some clear disadvantages to car loans with no money down and bad credit, there are also some advantages. It’s up to you to decide if the advantages outweigh the disadvantages.
Read More »What To Expect When You Go To Car Places That Accept No Credit
When you go to a car dealership that offers financing for those with bad credit, you can expect to be asked for a down payment. The size of the down payment will depend on the dealership and the type of car you’re interested in, but it could be as much as 20% of the car’s total value. You’ll also likely be asked to provide proof of income and employment, as well as proof of residence. The dealership will likely want to see your most recent pay stubs, bank statements, and utility bills.
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In addition to a down payment, you can expect to pay a higher interest rate on your car loan if you have bad credit. The average interest rate for a car loan is around 4%, but if you have bad credit, you could be paying closer to 10%. This means that over the life of a five-year loan, you could end up paying thousands of dollars more in interest.
Finally, you can expect to be offered a shorter loan term when you have bad credit. Loan terms for new cars are typically for six or seven years, but if you have bad credit, you may only be offered a loan for three or four years. This means that you’ll have a higher monthly payment, but you’ll also pay off the loan faster.
If you’re considering purchasing a car from a dealership that offers financing for those with bad credit, it’s important to be prepared. By knowing what to expect, you can negotiate the best deal possible and avoid being taken advantage of.
When you go to a car dealership that accepts no credit, you can expect to be treated a little differently than you would at a traditional dealership. For one, you may be asked to put down a larger down payment than usual. This is because the dealership is taking on more of a risk by lending you money without knowing your credit history.
You can also expect to pay a higher interest rate on your loan. This is because, again, the dealership is taking on more of a risk by lending you money without knowing your credit history.
That said, there are some advantages to going to a dealership that accepts no credit. For one, you may be able to negotiate a lower price on the car you want. This is because the dealership is more motivated to sell you a car since they are taking on more of a risk.
So, if you’re thinking of going to a car dealership that accepts no credit, be prepared to put down a larger down payment and pay a higher interest rate. But, you may be able to negotiate a lower price on the car you want.
Read More »The Best Ways To Use Mint Mobile Coupons
Mint Mobile is a great way to save money on your mobile phone bill. There are a few different ways to use Mint Mobile coupons to save even more.
If you’re looking to save money, one of the best ways to do so is to use a promo code. Promo codes can be found at Couponhicoupon and can offer significant savings on your purchase.
The first way to use Mint Mobile coupons is to sign up for their email list. You will receive a coupon for $5 off your first month of service when you sign up. You can also find other Mint Mobile coupons by searching online.
The second way to use Mint Mobile coupons is to refer a friend. When you refer a friend, they will get $20 off their first month of service. You will also get $20 off your next month of service.
The third way to use Mint Mobile coupons is to use their auto-pay feature. When you set up auto-pay, you will receive a coupon for $3 off your monthly bill.
Mint Mobile is a great way to save money on your mobile phone bill. There are a few different ways to use Mint Mobile coupons to save even more.
The first way to use Mint Mobile coupons is to sign up for their email list. You will receive a coupon for $5 off your first month of service when you sign up. You can also find other Mint Mobile coupons by searching online.
The second way to use Mint Mobile coupons is to refer a friend. When you refer a friend, they will get $20 off their first month of service. You will also get $20 off your next month of service.
The third way to use Mint Mobile coupons is to use their auto-pay feature. When you set up auto-pay, you will receive a coupon for $3 off your monthly bill.
Mint Mobile is a great way to save money on your mobile phone bill. There are a few different ways to use Mint Mobile coupons to save even more.
Read More »5 Tips For Getting A Car Loan With No Money Down
When it comes to taking out a loan to buy a car, one of the biggest hurdles to overcome is the down payment. For many people, coming up with the cash for a down payment is the biggest obstacle to getting a loan. Find advice and information on great auto finance, bad credit car loans, useful tips, finding the best deals and latest in automotive news with Datsunnissanmakassar. Find out how they can help you get the car you need and pre-approved with bad or no credit.
Fortunately, there are a few things you can do to increase your chances of getting a loan with no money down. Here are five tips to help you out:
Get pre-approved for a loan
One of the best things you can do is get pre-approved for a loan before you start shopping for a car. This way, you’ll know exactly how much you can borrow and what your monthly payments will be.
Shop around for the best rates
Interest rates on car loans vary from lender to lender, so it pays to shop around for the best deal. Be sure to compare both online and brick-and-mortar lenders to get the best rate.
Consider a shorter loan term
If you can swing it, a shorter loan term will help you save money on interest. Just be sure you can afford the higher monthly payments.
Get a cosigner
If you have trouble qualifying for a loan on your own, you may be able to get a cosigner to help you out. Just be aware that if you default on the loan, the cosigner will be on the hook for the debt.
Look for dealer incentives
Some dealerships offer incentives for customers who finance through them. These incentives can help you save money on the loan, so be sure to ask about them when you’re car shopping.
Following these tips can help you get a car loan with no money down. Just be sure to shop around for the best rates and terms before you sign on the dotted line.
Read More »How To Get The Most Out Of Rocket Mortgage
If you’re like most people, the thought of buying a home is both exciting and overwhelming. There’s so much to think about – from finding the perfect home to getting the best mortgage rate. And if you’re not careful, the process can quickly become overwhelming.
That’s where Rocket Mortgage comes in. Rocket Mortgage is an online mortgage lender from Quicken Loans that offers a simple, fast and easy way to get a mortgage. And best of all, you can do it all from the comfort of your own home.
Here are a few tips to help you get the most out of Rocket Mortgage:
Get Preapproved
The first step is to get preapproved for a mortgage. This will give you a better idea of how much you can afford to spend on a home. It will also give you a head start in the home-buying process.
Shop Around
Once you’ve been preapproved, it’s time to start shopping around for a home. Rocket Mortgage makes it easy to compare rates and terms from a variety of lenders.
Get a Mortgage Rate Lock
If you find a home you like, be sure to lock in your mortgage rate. This will protect you from rate increases while you’re in the process of buying a home.
Use the Rocket Mortgage Calculator
The Rocket Mortgage calculator is a great tool to help you budget for your new home. It can help you estimate your monthly payments, including taxes and insurance.
Apply Online
Once you’re ready to apply for a mortgage, you can do it all online with Rocket Mortgage. The process is simple and straightforward, and you’ll get a decision in minutes.
Now that you know a little more about Rocket Mortgage, you can start the process of buying a home with confidence. With Rocket Mortgage, the process is simple, fast and easy. So what are you waiting for? Get started today!
Read More »The Top 5 Credit Card Swipers For Businesses
When it comes to paying for business expenses, credit cards are often the most convenient option. But with so many different business credit cards on the market, it can be hard to know which one is right for your business.
To help you make the best decision for your business, we’ve compiled a list of the top 5 credit card swipers for businesses.
Square
Square is one of the most popular credit card swipers for businesses. It’s easy to use and comes with a free credit card reader. There are no monthly fees or long-term contracts, and you can use Square to accept all major credit cards.
PayPal Here
PayPal Here is another popular credit card swiper for businesses. It’s similar to Square in that it’s easy to use and comes with a free credit card reader. There are no monthly fees, and you can use PayPal Here to accept all major credit cards.
Intuit GoPayment
Intuit GoPayment is another popular credit card swiper for businesses. It’s similar to Square and PayPal Here in that it’s easy to use and comes with a free credit card reader. There are no monthly fees, and you can use Intuit GoPayment to accept all major credit cards.
Clover
Clover is a popular credit card swiper for businesses. It’s similar to Square, PayPal Here, and Intuit GoPayment in that it’s easy to use and comes with a free credit card reader. There are no monthly fees, and you can use Clover to accept all major credit cards.
NCR Silver
NCR Silver is a popular credit card swiper for businesses. It’s similar to Square, PayPal Here, Intuit GoPayment, and Clover in that it’s easy to use and comes with a free credit card reader. There are no monthly fees, and you can use NCR Silver to accept all major credit cards.
Read More »How To Buy A Car For The First Time With No Credit
If you’re in the market for your first car, but don’t have any credit history, you may be wondering how you’re going to finance your purchase. Here are a few tips to help you get started.
Get a co-signer
If you have a friend or family member with good credit who is willing to co-sign your loan, this can be a great way to get financing for your first car. Just be sure that you are confident in your ability to make the monthly payments, as defaulting on your loan will not only damage your credit, but also your relationship with your co-signer.
Get a secured loan
If you have some savings, you may be able to get a secured loan from your bank. This type of loan uses your savings account as collateral, so it’s important to make sure that you have enough money saved up to cover the loan in case of an emergency.
Look for special first-time buyer programs
Many banks and credit unions offer special financing programs for first-time car buyers. These programs often have lower interest rates and down payment requirements, so they can be a great way to finance your first car.
Consider a lease
Leasing a car can be a great option for first-time buyers who don’t want to commit to a long-term loan. With a lease, you’ll make monthly payments for a set period of time, after which you can return the car or purchase it outright. Just be sure to read the fine print carefully, as there may be mileage restrictions or other fees associated with leasing a car.
Save up and pay cash
If you’re patient, another option is to save up and pay for your first car in cash. This may take longer, but you’ll avoid paying interest on a loan and you’ll have the peace of mind of knowing that you own your car outright.
No matter which option you choose, be sure to do your research and shop around for the best deal before making a purchase. With a little patience and planning, you’ll be driving your first car in no time.
Read More »Debt Free in 60 Seconds
Imagine it, you being debt-free. No more annoying calls from the credit card companies, “reminding” you that your bill is past due (as if you’d forgotten) and no more giving your entire paycheck over to debt that you accumulated last semester.
Does it seem like a dream? It doesn’t have to be. You can make it your reality! Here’s how to do it – in just about a minute.
0:60 It’s simple – spend less than you make
OK, I know it’s simple, even if it’s not always so easy to do. But following this rule could have a serious impact on your financial health and peace of mind. The truth is if you can’t pay for it today then you probably won’t be able to afford it tomorrow either. So don’t put any unnecessary pressure on yourself to come up with money in the future that you can’t guarantee you’ll have today.
0:50 Bad Debt vs. “Good” Debt – know the difference
Good debt generally has an interest rate of 10% or less and will appreciate in value. Home mortgages and student loans are examples of money borrowed that will be well worth the investment in the future. Car loans are somewhat on the fence, true, they meet the low-rate rule, but cars almost never go up in value. Bad Debt (also known as consumer debt) is everything else – yup, that even includes your platinum-all-star-VIP-rewards card that you’re paying 29% interest on.
0:40 Pick a card & stick with it
I know that “settling” down is probably far from your mind with all the dating choices that you have, but when it comes to credit, you’re better off going “steady” with just one major credit card. Choose one with the lowest annual interest rate possible (check out your options at www.choosecreditwisely.com) Cancel and cut up any other cards, including all department store cards – you can even use the little pieces of plastic to make some cool wall art. Now that you’re exclusive to just one card treat it with respect, and you’ll have a great and long-term relationship.
0:30 It’s time to face the music
This won’t be fun at first, but it’s necessary to get you closer to not being afraid that “someone is after you” every time the phone rings. You’ve gotta pay to play, so pull out all of your credit card bills and line ‘em up on the floor. Find the minimum monthly payment for each one and then total them all up to get an overall monthly minimum payment amount. Make a commitment to pay the total minimum due PLUS $100 more to the highest outstanding balance every month (or at least enough to make a dent in it) If you can’t pull this off right away, then come up with a plan that will make it possible within the next three months. It might not be fun, but it’ll be worth it.
0:20 Ready. Set. Attack.
Get angry; I mean fighting mad. Your future is on the line, and it’ll be a bright one as long as you’re not strapped with debt. So the next step is to identify which of your credit cards has the highest annual interest rate and apply the $100 more (above the minimum amount due) to the highest interest rate account(s) first. Repeat this process monthly until the last Bad Debt account is paid in full.
0:10 Pretty pleeze?!
Grab a bill from any creditor that’s charging you more than 15% interest. Call them up, and with all the Academy Award winning acting skills you can muster ask that your rate lowered to 11%. Tell them that you’d really like to keep your account open with them, but that you’ve gotten “offers” for much-much-lower-rate cards (at this point let your voice trail off for dramatic effect). They’re gonna try to break you, but don’t let ‘em see you sweat, because to them, you’re not just a customer you’re a cash register (they hear cha-ching every time you charge something and don’t pay your balance in full). What do you have to loose? Just try it. It’ll be fun, and you stand to save a bunch of money.
0:01 Go ahead…Get your dance on
When the Bad Debt is 100% exorcised go ahead celebrate – heck, when you’re halfway there start doing the “happy dance” – life is meant to be enjoyed, and you’ll feel more carefree today when you’ve paid off your bar tab from spring break two years ago. Now that’s something to cheer about!
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