Jan
27
No, but the Consumer Federation of America calls pay day loans
legal loan sharking.
It Is A Fee, Not Excessive Interest. Pay day loans are legal in
most states because they are charging you a fee, not an
excessive interest rate. Excessive interest rates are illegal in
most states.
Outrageous Credit. Pay day loans are an outrageous form of
credit. For example, let's say you write a personal check for
$115 to get $100 for up to 14 days. The $15 fee equates to a
391% annual percentage rate ...Read the rest of this entry »
Jan
26
We all love to receive gifts, whether it's at Christmas or
birthdays, or even a special anniversary. But in order to keep
getting gifts, we have to give them to others too. And happily
we like that part of the bargain almost as much as the receiving
bit. Here are a few tips that may help you choose the right gift
for the right person.
1. To help make up your mind you can easily read reviews of
gifts you are considering buying at places like Amazon.com,
Buy.com, Epinions.com, BizRate.com, etc. ...Read the rest of this entry »
Jan
25
If you are one of those who do post-Christmas online shopping, then this is the perfect time to shop. Online stores are still offering various quality products at discount prices! And what could be a better gift this season than the all-time favorite present ' gadgets! Who would not love to own sleek and cool gadgets? They are the perfect gift for all occasion and they are on the Holiday wish list this year. However, there are many gadgets available in the market today. So finding a gadget at ...Read the rest of this entry »
Jan
24
Market/Sales price
Whether you are planning to buy or sell a property it is
important to become familiar with the terminology of real
estate. In real estate the three terms that are commonly used
interchangeably are value, cost, and price. Although, all are
concepts relating to value, they are not the same. Let's begin
by differentiating between the terms.
Value deals with something that will happen in the future;
whereas cost relates to past events, and the amount of money
actually paid for ...Read the rest of this entry »
Jan
23
Spending time in college means going to classes, writing papers,
studying for exams, and enjoying the college experience of fun,
food, and frolic. Oh, if it only were that easy! Chances are you
are racking up some serious debt in the form of students loans.
If you have already graduated, then you are probably in the
process of paying your loans back. Are you happy yet? Maybe not,
especially if your student loans are more of a burden than you
originally had expected. Read on, please, for some ...Read the rest of this entry »
Jan
22
Don't let them fool you. All those solicitations you receive in
the mail for credit card applications are meant to reel you in
and hook you. Big time. In addition, new bankruptcy laws in the
US and higher monthly minimum payment requirements are in place
to help stem defaults on loans and to force consumers to pay
down debt quicker. All of this sounds great, but credit card
companies want to keep you in debt as long as possible. Please
read on for all the stimulating details.
If you have had ...Read the rest of this entry »
Jan
21
Your latest car insurance bill has arrived and it is not a
pretty site. In fact, it is downright ugly! What can you do?
Must you remain hostage to the ever spiraling rate increases
foisted upon you when your policy renews? In a word, no. Let's
examine five strategies you can practice today to help reduce
your car insurance premiums immediately.
1. Shop For A New Policy. Even with "loyalty discounts"
in place, many consumers will find that a competing company will
offer significant savings over ...Read the rest of this entry »
Jan
20
It has been feasible through the web to get winning bargains from the online shopping malls. This is a an issue for discussion among all. Let us analyze the several grounds as to why these
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Jan
19
It is simply getting ridiculous the charges credit card
companies are imposing on consumers who are late making
payments. Yes, creditors have a legal right to do what they are
doing, however ethically speaking that is certainly open to
debate! Let's look at some ways you can avoid costly credit card
late fees:
1. Pay your bills on time. This one is obvious. When you
get your bill, open it up and pay it right away. Waiting means
forgetting or hoping that your payment arrives on time.
2. Pay
...Read the rest of this entry »
Jan
18
If you ask most people for the value of their home the response
you receive will probably be much higher than the market value,
a projection of the price the home should bring when the real
estate market is competitive and open. This occurs because some
people have a difficult time separating the emotions for their
home from the actual value and tend to include improvements/cost
of repairs, which do not add value to the property.
The property may be difficult to sell if too high a price ...Read the rest of this entry »