highest interest rate
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Should I Refinance My Mortgage?
Our credit rating is one of the highest (best) out there. ... We have ALWAYS gotten a lower interest rate using her than ANY rate published at the time of ...
Answers
- The easiest way to determine your savings is to go to a website like Bankrate.com and use their mortgage calculators to see how much you will save changing your mortga...
- Another tip: make your monthly payment in 2 seperate payments each month. For example, if your mortgage per month is $1000, pay $500 every two weeks (like one paymen...
- I agree with the previous post - it's too soon and rates haven't changed that much for you to really see any benefit. Plus, refinancing too frequently could have a ne...
Credit Cards Debit
Make sure you let them know you want you interest rate dropped or suspended. .... Then you list your credit cards in lowest to highest balance order. ...
Answers
- I know it stinks and times are tough but you have to pay in the order of importance! Rent/morgage and electricity...grocries...etc...then whatever is left over you can...
- S.- I'm sure someone will have some good advice for you, but the first thing I would suggest is for you to call your credit card companies. Many times you can work...
- Im sorry you are going through Credit Card debt. The best advice I can give you is to call the CC companies and let them know about your situation. Be honest and call ...
How Much Do You Pay per Month on Your Mortgage?
Texas is the highest state for homeowner's insurance, so shop and make sure you ... Depending on your credit, down payment and interest rate you should pay ...
Answers
- You got lots of responses! Wow! I have a little bit of insight on this. My MIL and husband have both worked in the mortgage industry and I worked in the homeowners ins...
- S., You've gotten great tips already. I own a rental home that cost me close to the price you mentioned. With the mortgage, property taxes, and homeowners insuran...
- S., That is great that you are saving for a home. You might check with a reputable Mortgage Lender to see what programs are available for you. I can give you a few to...
Help for Debt Problem
They lowered all my interest rates. Two times I was out of work for short-term disability, and I called them and told them that I wasn't going to be ...
Answers
- My Hubby is a VP and does the debt consolidation and he works for citigroup. If your friend refer my name, the analysis can be done free. And you can decide your ne...
- You have gotten some really great answers here but I wanted to throw out a financial author who I really like that she could use by itself or in conjunction with a deb...
- Hi N., My husband and I had an issue last year as he was laid off and we lived on our credit cards. We used a service called Credit Solutions. We've since paid of...
Debt Help!!
The interest is WAY TOO HIGH! If you do have credit cards and are having ... you had your home? do you have a good interest rate, do you have good credit? ...
Answers
- It sounds like you are getting a lot of good advice here. One thought that I wanted to add, though, is when it comes to using a credit counselor. It is a great program...
- I suggest the book "Total Money Makeover" by Dave Ramsey. My husband and I are in the same boat as you. We are now about half way through the book and for the first ...
- We are going through an awesome program at our church called Financial Peace University. My parents have already done it and they were able to save $1000 and pay off ...
Any Great Budget Suggestions??
Total Balance/Minimum Payment/Interest Rate/Interest in dollars/Actual Payment. ... I didn't necesarily go for the card with the highest rate, but the most ...
Answers
- J.; Times are tough and getting tougher all the time. Heidi and I run on on Quixtar powered business that makes us like Walmart without the store. Part of our servic...
- We use the envelopes, we each get an allowance, and when it's gone it's gone, and we "hid" the credit cards. We have our debit cards in case of an emergency, but that...
- Hi J., Great move! Too many people live beyond their earnings. I am in control of the money in our home and that is how it has to be because my husbands need to spe...
College: Who Pays? Child or Parent?
My daughter had to work thru part of high school and now that she is in college, .... $40 goes to interest...and that is with a "low" interest rate of 5.5%. ...
Answers
- One thing to consider: start saving, or helping them save now. Then the money can can then be used for whatever you all feel it's best suited for, when the time comes....
- I definitely am a strong believer in parents helping to pay for college. I am aware it is not cheap and unfortunately keeps getting more and more expensive. I would ...
- For every A they get 100.00 put into a college fund. With A's hopefully, they will get a scholarship. But they need to work for it too, and there is no reason why the...
Anyone Used the Dave Ramsey Program
Best advice I have is to pay off your highest credit card interest rate first! And never be late, ... Consolidate high interest rate balances to low ones. ...
Answers
- There is nothing more I would recommend that Dave Ramsey and his Financial Peace University (FPU)! We completed his course and are about to payoff our 3rd credit card...
- I, too, recommend signing up for Financial Peace University. I'm 3/4 of the way through, and our money is already transformed--we've got $2500 in savings, paid off my...
- D., The cheapest method is to just purchase the book: Total Money Makeover. HOWEVER! It might help more to take a class which costs more (about $100?). The ...
Poll on What You Think About Repaying Parents
These are people that should always be held in the highest regard. ..... with a low % (lower than I could get) interest rate if it was a longer term loan. ...
Answers
- (written after your update) It sounds like you are doing the right thing-being VERY clear about when you can repay and the reasoning why-sorry to hear about your hu...
- I think that you should repay your parents if you borrowed money and it was not given as a gift. If you borrowed the money from a bank would you question whether or no...
- Loans should be documented in writing and signed by both parties clearly spelling out the amount borrowed and when it is expected to be paid back. I agree with the ear...
Should My 3 Year Old Be Writing Letters?
If he shows interest in letters, then encourage the activity and make it fun. .... (Check studies regarding the country with the highest rate of literacy ...
Answers
- Relax, he sounds perfectly normal. I taught Pre-K and Kinder for a number of years before having my own 3 kids. Every child goes at his own pace, as you know, and your...
- Absolutely not. I really don't think that kids this young possess the motor skill to successfully write letters. Around 4 1/2 I would start encouraging him to write ...
- As an occpupational therapist mommy of a three year old, I can sense where there seems to be an expectation that kids so young already know how to write their numbers....
