Consumer Protection & Traditonal Installment Loans
In the dwindling economy today, standards of living have gone skyrocketing. So it’s no surprise that the costs are also sky-high. Nevertheless, we strive hard to live within our means. But sometimes, the money we make from our regular 9 to 5 jobs just isn’t enough.
It gets all the harder when your credit score isn’t exactly high. But have you ever heard of installment loans that don’t do credit check? It promises to give you financial help at low costs and flexible terms. Apply for a loan and get help for your urgent financial needs.
Categories: Loan Videos Tags: consumer protection, enough, ever, give, Installment Loans, regular
Stuff About Money: No BS Financial Advice for Regular People
Stuff About Money: No BS Financial Advice for Regular People
As a growing number of Americans struggle with their finances, they’re increasingly trying to find ways to stretch their dollars. While we can’t always control how much we earn, we can control how we manage and spend our money. In “Stuff About Money: No BS Financial Advice for Regular People,” more than two dozen financial professionals deliver no-BS basic money management tips that can help you boost your financial confidence and sleep a little better at night. From real estate and retirement to insurance and savings, “Stuff About Money” gives you the basics on how to better manage your money and financial life. You’ll learn things such as: • Why you need to have an emergency fund in place. • How saving even small sums regularly over time can add up big through compounding. • How much you’ll need in retirement and how much you should save monthly. • Why you need to open and fund a Roth IRA now. • Why renting may sometimes be a better idea than buying a house. • Why term life insurance is so cheap there’s no reason not to have it. • How you can save big on auto, home and health insurance premiums by raising your deductibles. • Why the stock market is still the best long term place to put your money. • Why you should track your net worth no matter how little it may be. • Why you should create separate savings accounts for separate goals. • How overspending on vehicles can impact your long-term financial future. • How dividing every paycheck can ensure you’re putting money in the right places. If you’re looking for quick, easy-to-implement ways to boost your financial security, you can find it in this book.
List Price: $ 14.99
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100 Ways to Save and Grow Your Money: Financial Fitness for Regular People
100 Ways to Save and Grow Your Money: Financial Fitness for Regular People
Are you frustrated with the month left at the end of your money? Are you starting from zero with no money at all, or worse – starting with a load of debt? There is hope! Do you have a “why”? A goal that absolutely must happen? A dream vacation, new furniture, college tuition, new church building, big medical bill, or well-fed credit card debt that’s outgrown all your other bills? This book is for you! Through simple and practical ideas and examples, you’ll learn how to put money back into your pocket, purse and bank account regularly and safely. You can watch your debt shrink and your money grow month by month. It’s easier than you think.
List Price: $ 24.95
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Q&A: is there a difference between a cash advance credit card debt and a regular purchase debt?
Question by Nicolas R: is there a difference between a cash advance credit card debt and a regular purchase debt?
Like, if I owe a lot of money to 3 or 4 credit card companies (like 4k each) on cash advances I know the interest rates are higher by a lot but is there a difference if the debt was for regular purchases? will they come after me more than if they weren’t cash advances? Can I still file bankruptcy to get out of the debt?
Best answer:
Answer by Koku
Absolutely! Your cash advance debt is billed at a much higher rate, and your payments to each card will be applied to the lower debt rate.
Say, you cash advanced $ 1000 at 24.99% APR but had an existing balance of $ 3000 at 9.99% APR
When you get ready to pay the bill, and attempt to pay the total cash advance balance, you’ll be in for a rude awakening. The credit card will apply the $ 1000 (+ fees) to the lesser APR, and if you continue to take out cash advances, eventually all of your debt will consist of the cash advance rate.
Also, your cash advance fees are more than likely immediate– unlike carrying a traditional balance where you can avoid the finance charges if you pay before the bill date. Cash advances should be a very last ditch, emergency option. They will increase your debt tenfold if you’re unable to manage them.
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