Personal Finance
Personal Finance
- Updated data and coverage of today’s economic situation.
- “Do It Now!” This action, oriented 2 to 3 sentence blurb offers a quick take away for students.
- “Your Next Five Years.” This box highlights what students will need to do in the five years post-graduation and references the material relevant in that chapter. It’s a practical, how-to box that gets students thinking about the here and now as well as their short term needs.
- “Instant Message.” This boxed insert, designed to mimic a text message, includes quick tips and suggestions for students.
- “What Do You Recommend” and “What Do You Recommend Now.” These chapter opening and closing narratives cover essential financial topics. The opening feature is followed by a question and four potential answers. The results are often unexpected and provide an excellent opportunity to engage students. The closing feature asks the students to come back to that opening vignette and reflect upon it after reading the chapter.
PERSONAL FINANCE offers a practical, reader-friendly introduction to personal financial management. Using a structured, step-by-step approach, this market-leading text helps users learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Real-life scenarios, covering a wide range of financial challenges, enable users to appreciate the relevance of key concepts, and useful advice from personal finance experts helps them apply those concepts in their own lives. Many math-based examples also clearly illustrate the critical importance of achieving long-term financial goals through investing. Building on the success of previous editions, the new Eleventh Edition continues to engage and focus attention on the critical concepts needed to succeed in the classroom and to manage finances wisely for a lifetime.
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Related Personal Loan Products
Categories: Loan Products Tags: Finance, Personal
Personal Loans : What Is a Secured Savings Installment Loan?
When you heard about Secured Savings Installment Loan, did they tell you that it will just get you into a secured loan program with a lender, meaning you have to deposit money into an account, which you will then borrow against?
Simply put, you will pay the lender interest to borrow your own money from them. Did you believe all these?
Watch this video if it holds true, or it’s just plain bluff.
Video Rating: 5 / 5
Categories: Loan Videos Tags: Installment, loan, loans, Personal, Savings, Secured
Can any one explain me , difference between fixed installment or reduced installments in personal loans.?
Question by Veera: Can any one explain me , difference between fixed installment or reduced installments in personal loans.?
Can any one explain me , difference between fixed installment or reduced installments in personal loans.
plz also tell me which bank is giving at modarate interest rate for personal loans for software engineers(bangalore).
Best answer:
Answer by mardix27
In simple layman’s terms:
Fixed installments are rates that are the same throughout the length of the loan. Therefore, your monthly payments would be the same throughout the life of the loan (unless you default or something).
Reduced installments may be temporary and/or varied. Your monthly payments may be lower than normal, but your payments may not be the same and may vary month by month. There is also a chance that as with those rates seen in ARM mortgages, your rates may almost skyrocket in some months.
As for as banks & loan rates, I am not too sure at which bank has the best rates. I personally belong to a Credit Union. Credit Unions gives good rates to its members. Check out www.http://www.lovemycreditunion.org to find a credit union that you could join.
Good luck
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Categories: Loan Questions Tags: between, Difference, explain, Fixed, Installment, Installments, loans, Personal, reduced
Q&A: What are my chances of gettin a personal loan?
Question by Bobby: What are my chances of gettin a personal loan?
I am looking to get a personal loan to do some remodeling around the house. I am looking for $ 3500. I have a FICO of 715. I have 4 credit cards with perfect payment history with about 25% of the credit limit used. I have had 3 car loans with no missed payments as well as my student loans with no missed payments. Should I be worried I would be denied?
Best answer:
Answer by Merry
You’re more likely to get good rates (and good chances of getting one) through a credit union that you’re already doing business with. Some credit unions are better about this than others. So, if you’re not already a member, I’d keep this in mind when looking for one.
Some banks might be good. It’s always worth asking your bank what sort of options they have. I would bet that you can get a loan. Don’t expect the payback terms to be long – though one time my credit union ran a special of something like $ 3,000 for 30 months.
Good luck!!
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Categories: Loan Questions Tags: Chances, gettin, loan, Personal
Q&A: What are my chances of getting a personal loan?
Question by axr: What are my chances of getting a personal loan?
Hi, I am a non-us resident with an H-1B, with no debt right now making 60K a year renting an apartment with a 93 toyota car. I am able to save $ 1500 a month. I would like to apply for a personal loan of about $ 25000 to repay a loan I took back in my country where is interest rate is extremely high and I am wondering what you guys think about my chances.
Question two would be is there any not-for-protfit agencies that can help me with choosing the best loan. PReferably it is not online.
Third question is can I get a car loan and then not buy a car and use it for other purposes?
Thanks
Best answer:
Answer by pepper
Well, I’ll start with the 3rd question. No, you cannot get a car loan and use it for other purposes.
If you are saving $ 1,500 per month and you have this money in a bank money market account – you should have no trouble securing a loan from the financial institution with which you do business if you are a stable employee with a verifiable income.
Do you own your home? How long have you been at your current residence? Have you even approached your bank? Are you contractually bound to your employer? Are you here with a work visa? What is your country? Can the bank verify your loan information?
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Categories: Loan Questions Tags: Chances, Getting, loan, Personal
ADD and Your Money: A Guide to Personal Finance for Adults With Attention Deficit Disorder
ADD and Your Money: A Guide to Personal Finance for Adults With Attention Deficit Disorder
When you have attention-deficit disorder (ADD), you don’t spend money like most other people. Past-due bills and impulsive spending can throw your finances into turmoil, and because these financial pitfalls are directly related to your ADD symptoms, they can seem impossible to overcome.
The good news is that it is possible to get ADD-related financial disorganization under control and begin to enjoy a more stable relationship to your money. ADD and Your Money will show you how. This friendly guide, written with your ADD in mind, includes information on everything you need to know about managing your finances and staying in control.
Learn to:
- Keep track of your bills
- Create a budget that works
- Get debt under control
- Find ADD-friendly bank services
- Plan around your splurges
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How to prove paid personal loan on paper?
Question by Mark Edge: How to prove paid personal loan on paper?
Hello. I took out a personal loan with a friend and will be repaying it in full. How do I have prove that i paid it for the courts? A promisory note seems to be only for the issue of a loan, not the actual repayment is done.
Best answer:
Answer by Grandview Investigations
Just as you wrote a contract for the loan, you can also write a paper for the satisfaction of the loan or record payments as the case may be. If you are paying in full, just write something like this:
On (state date) the loan made on (state date loan was given) between (state his name) and (state your name) was paid back in full in the amount of (state amount paid)
Have both of you sign it and to be sure, have a witness also include their name on this same paper.
You should be fine and this will be satisfactory for any court if by chance you are sued for this amount.
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Personal Finance at Your Fingertips
Personal Finance at Your Fingertips
One book. All the answers.
As personal finances become more complex, referencing financial information just got easier. This book covers everything an individual needs to know regarding their money, including budgeting; banking; interest rates and mortgages; credit and debt; insurance; estate planning; college financing and student loans; real estate investing; mutual and exchange funds, stocks, and bonds; taxes and shelters; retirement plans (including Social Security), and more.
—Features thumbtabs and other navigation aids
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Categories: Loan Products Tags: Finance, Fingertips, Personal
Q&A: What type of contract is a personal loan where installment payments are made monthly?
Question by skye_12299: What type of contract is a personal loan where installment payments are made monthly?
I live in the state of Ohio and I am trying to figure out if the personal loan I signed for through a financial institution is considered written contract, written account, or promissory. I made monthly installment payments.
Best answer:
Answer by wilderwriter
It is often called a “promissory note” but it is also a “written contract” (as apposed to a oral contract). I have never heard of a “written account” other than in the sense of a story “written down” not as a kind of financial instrument.
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Categories: Loan Questions Tags: Contract, Installment, loan, Made, Monthly, payments, Personal, type
What is the easiest personal loan to get?
Question by : What is the easiest personal loan to get?
Im trying to get a fast personal loan, what is the best company to go with if you have bad or low credit?
Best answer:
Answer by Use Your Noodle
None
Personal loans are hard enough to obtain for those who have decent credit.
If you have poor or no credit the best you can hope for would be a payday loan. For that, you would need a checking account and paycheck stubs.
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Categories: Loan Questions Tags: easiest, loan, Personal