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Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, many more types of businesses – including insurance companies and phone companies – are using credit scores to … Read more
It has been eight years since my friends and I graduated from business school, eight long years since we studied all about the law of supply and demand and dreamed about our future careers in the exciting and rewarding field of finance. There are six of us in our group and we have all managed … Read more
You know full well that it’s the law, but you’ve been driving around without car insurance for a while now. Why? Car insurance is of supreme importance to any driver, no matter how good you think you are. Accidents happen, plain and simple, and you need to be protected in case it does. Not all … Read more
Most of us know that a new or used car will depreciate by about twenty percent the minute we drive it off the lot. So unless you put 20% down on your auto loan, you stand to owe considerably more than the value of your car for quite some time. If you buy a moderately … Read more
Entering into escrow on a home can be both exciting and stressful. The excitement comes from knowing you are close to moving into the new home. The stress comes from issues that will arise. Budget for Closing Costs Prepaid Loan Interest and Home Insurance Premiums As part of any closing, you need to go through … Read more
Whole life insurance also known as “permanent” or “straight” life insurance is one of the most applied forms of insurance. This life insurance policy covers one’s entire life. This is much in demand because of its ability to provide financial protection and accrue cash value and pay dividends to the insured. In other terms, you … Read more
Whether you’re buying clothing or shopping for car insurance, you always want to get the best value for your money. So, what’s the secret to finding reliable, affordable car insurance? Shop around for the best deal. Get several car insurance quotes from different insurance companies before you buy or renew your policy. Insurance companies vary, … Read more
Ideally, traditional mortgage lenders want new homebuyers to have a 20% down payment when purchasing a new home. Thus, if purchasing a $200,000 home, you should be prepared to have $40,000 as a down payment. Unfortunately, many people do not have this kind of money lying around. For this matter, private mortgage insurance (PMI) was … Read more
What Does A Stockbroker Do? A stockbroker acts as a medium between sellers of stocks and buyers of it. With a stockbroker’s knowledge in finance, economics and other related factors, a stockbroker is able to advise and sell stocks that are up on the market, more than that, a stockbroker sees to it that the … Read more
Society often judges you more by your credit score than your personality, actions or resume. From mortgages to employment applications, the need for a good rating is higher than ever. If yours is lower than you want and you’re looking to repair it, read this article for some ideas you can use. When deciding to … Read more