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Personal Finance

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Advantages and Disadvantages of Personal Loans

Advantages and Disadvantages of Personal Loans A lot of citizens around the United States of America are turning to having fast personal loans, even if they are having bad credit status. The reasons of which may be considered personal to individuals. But one thing's for sure, having a bad credit history will make a person end up in debt. It is not easy to have a negative credit record since a person can be marked by banks and other loaning…

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No Credit Check Student Loans

No Credit Check Student Loans Under no credit check student loans, credit is given for a definite purpose and for a predetermined period. Normally, these loans are repayable in installments. Funds are required for single non-repetitive transactions and are withdrawn only once. If the student needs funds again or wants a renewal of an existing loan, a fresh request is made to the bank. Thus, a student is required to negotiate every time he is taking a new loan or…

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3 serious problems with the 4% retirement rule

We’re all told to save as much money as possible for retirement, but how much is really enough? For years, experts have relied on the 4% rule to help determine how much savings is truly adequate. The rule states that if you begin by withdrawing 4% of your nest egg’s value during your first year of retirement, and then adjust subsequent withdrawals for inflation, you’ll avoid running out of money for 30 years. Not only is the 4% rule a…

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Should I use my savings to pay off credit card debt?

I have been in the workforce for a few years now (graduated in 2014) and have a decent mutual fund in place ($9,000), savings account ($9,000) and a Roth IRA ($10,000) because my current company does not offer a 401(k). But I do have credit card debt ($9,000) and student loans to pay off. Should I use my savings to pay off my credit card debt?-—Erin “This question comes up all the time,” says Angela Coleman, a certified financial planner…

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The case for canceling all student debt

What if the government wiped away everyone’s student debt? Let’s be clear. No lawmaker has proposed such a plan. But researchers at the Levy Economics Institute of Bard College say it’s a proposal worth considering. It’s a “radical solution to the student debt crisis, but one that deserves serious attention, given the radical scope of the problem,” wrote Marshall Steinbaum, one of the authors of the report, in a blog post. There is currently $1.4 trillion of outstanding student loan…

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Refinancing With an SBA 7a and a Fixed Rate Loan?

Refinancing With an SBA 7a and a Fixed Rate Loan? Many business owner and other professionals in the commercial mortgage industry are surprised to learn that the SBA does allow refinances through the 7a program and their rate does not have to float. In terms of what situations qualify for the refinance, it boils down to taking borrowers out of a difficult situation. For example, if the borrower is in a hard money loan they'll qualify. Or a borrower facing…

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Credit Unions – A Lifeline For Those With Bad Credit

Credit Unions – A Lifeline For Those With Bad Credit Credit unions are a fantastic way for people who are desperate for a short term loan but do not have the credit rating or score to obtain one. Credit unions are a non profit organization set up by members in the community with its goals to aide and assist its members without necessarily seeking a profit. Although these ideals credit unions are regulated just as any bank, which members are…

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The crucial role male mentors can play in the #MeToo era

A #MeToo backlash is brewing behind office doors. Nearly half of male managers said they were uncomfortable “participating in a common work activity” with a woman, according to a recent survey from LeanIn.org and SurveyMonkey. Almost 30% of male managers said they felt uncomfortable working alone with a woman, and male leaders were more than three times as likely to hesitate to have a work dinner with a more junior woman than with a more junior man. “The last thing…

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How to Cope With Loan Rejection and a Poor Credit Rating

How to Cope With Loan Rejection and a Poor Credit Rating A lot of factors including your credit score, past credit history, debt to income ratio and credit appetite determine your credit worth; while credit score is considered as a major factor for approval of loan. With low score, your chances for loan approval are also low. Often times we get to know about low credit score only after loan rejection. Once your loan application is rejected it becomes difficult…

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Loan Modification Help – Will You Get a 1099?

Loan Modification Help – Will You Get a 1099? A loan modification that includes a reduction in the principle balance has some troubled homeowners worried about the tax consequences. Many mortgage loan modifications are featuring a reduction in the amount owed to more accurately reflect the homes current market value. Since many areas of the country have experienced sever value Declines, this amount can be substantial. A loan modification can save a distracted homeowner thousands of dollars and prevent foreclosure,…

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