bank interest rate
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Credit Starter
My hubby and I have cash in the bank to pay for "emergencies" and buckets of .... of the others you see,(be ware of introductory interest rates and balance ...
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- If you don't belong to a credit union you can join, I would suggest that. My credit union is GREAT. I will NEVER go back to a regular bank. I have two secured cred...
- Another Dave Ramsey fan chiming in here. Please do not get a credit card just to "build your credit" (or encourage anyone else to do so...especially a teenager or col...
- My husband and I have found that the best credit card is American Express. It has a good rate. Now typically if you don't have any credit your limit is going to star...
Looking for Credit Card "Perks"
Though I don't recommend Chase as a bank, but rather a local credit union. ... But typically the more perks a CC offers, the higher interest rate. ...
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- The newest program I have registered for is uPromise. It's a 529 savings plan to save for school expenses. These expenses could include college tuition, room and board...
- Actually, someone mentioned only using "store cards" for special sales, etc. But, the GAP actually has a new GAP Visa... it can be obviously be used at GAP/Old Navy/B...
- Personally, I like cash back. My favorite is probably the original Discover Card (1% back + monthly special purchase categories that give you 5% back). They also let y...
Foreclosures
Walking away basically means that they give their keys to the bank and take the loss of ..... They received a loan where they interest rates were very low, ...
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- Walking away means that you allow the lender to foreclose on your home and YES it does have consequences! It's not easy, it's stressful and To have your home foreclos...
- When a homeowner "walks away" from their home....it simply means that they are moving out of their home and letting the bank have it. Unfortunately, we find ourselves ...
- B. ~ "Walking away" means that you just stop paying on your mortgage and let the home go into foreclosure. Yes, it affects their credit history for anywhere from 2 to...
Life After Filing for Bankruptcy.
They have the best rates and don't gouge you. .... credit card - you can only use up to the value that you have in your bank's credit card account. ... and people began to approve me for cars with low interest rates, credit cards, etc. ...
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- My husband and I filed bankruptcy 6 yrs ago. Since then we have rebuilt our credit. We have purchased a house, automobiles and we have a credit card. It does take time.
- Don't get any more credit cards. A lot of companies will want to give them to you and really high rates. They know you will be liable for them because you already di...
- I had to do the same thing after 9/11. It's a hard time, but you will get through it. All I can recommend is that you make sure that you pay your bills on time and s...
529 Plans
I have two boys that I opened 529 plans for a few years ago at PNC Bank in .... is more important than stressing about minor differences in interest rates . ...
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- Hi T., I work for a Certified Financial Planner and we handle 529 accounts all the time. If you are interested in learning more about 529 accounts and which company...
- Hi T., Whatever you do, get it out of the hands of the attorney as soon as you can. Edward Jones is a good financial consultant. Good luck. D.
- hi T., contact a ' good; financial advisor . thisis your childs monies / taxes levied on you and dad if done incorrectly . also; I WOULD consider a...
What Is Life like After Bankruptcy?
It had a HIGH interest rate and only a $250 limit. I used it for gas and paid it ON ... Last year I was approved for an auto loan-through a bank, not one of ...
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- I'd just avoid it. I think it's like taking the easy way out. Can you get a second job? I'd consolidate the debt into one personal loan if you can. You may need a ...
- Hi there J., My husband and I filed for bankruptcy a couple of years ago. We had such horrible debt and were relying on a settlement from my car accident to dig us...
- I know that filing was probably not an easy decision ... it wasn't for me but it was relly my only choice after divorce. My life got easier - no more phone calls, no ...
Doing Business with Friends?
It would be dumb to go with a higher interest rate for such a large purchase just for a ..... She isn't the bank, so you wouldn't have an ongoing business ...
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- I think you're smart to be worried...we (and 4 other investors) invested a LARGE sum of money with my husband's best friend (our best man) almost 2 years ago by way of...
- Hi! I have been in the mortgage industry for over 20 years, and can assure you that doing business via mail, e-mail and fax is perfectly secure. Your friend would ha...
- DO NOT DO IT !!!!!!! I had a friend of over 20 years (we grew up together) she was a real estate agent. My husband and I went to sell our house and decided we would ...
What Kind of College Funds Are Best?
It is more likely to increase in value compared to the interest rates you ... Not an expert but I have them for both of my kids and I work in a bank so I ...
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- K. G, The 529 is going to be your better bet. It is more likely to increase in value compared to the interest rates you are going to earn on a money market account,...
- We use 529 plans for our kids. They give you the flexibility of many investing options and the gains are tax free. Some states give you a tax deduction for your cont...
- I would talk with your tax man--I talked with mine a little this spring, and I believe that 529 plans can be used for anyone in the family--so if one child doesn't go ...
Paying off Debt
You might be able to get a loan through your bank or credit union with a lower interest rate to transfer your balances to. the trick is to get rid of your ...
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- Hi J., I would imagine you are overwelmed with the responses to your inquiry. I too am a financial coach and would recommend any sort of program without using any co...
- If you had any questions about credit repair, I would recommend my in-laws in Georgia. They work with people from all over the country, so it doesn't matter if you ar...
- J. I am a financial consultant. Be careful with some of these companies. Most of them have hidden fees. Sometimes you will be paying more than you already are. Also if...
Where to Get the Money
If your home has some equity you can refinance (interest rates are quite low) pay ... number of months, the bank buys it from you for an agreed upon amount. ...
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- I just read about banks or mortgage companies who are offering "guaranteed sale" deals. The way it works is that if your home doesn't sell in a specified number of mo...
- Actually, K., moving to an apartment may be a good way to start over only because it achieves your first objective (and most important): getting your son to a safe pla...
- K., I am a Realtor in Wisconsin. Talk to your lender and see what they have to offer you. About the only way to get a home while you try to sell yours is a "Bridg...
