Educational Consumer Tips


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34 Article(s) Found.
4/29/2014
An adjustable rate mortgage is a mortgage with an interest rate that changes, periodically, during the life of the loan, according to a specified index and time schedule. Since interest rates for fixed-rate financing remain the same for the life of the loan, a lender may lose money if for example, inflation increases interest rates.
6/23/2014
Discouraged by high interest rages and hard-to-find risk or investment capital, businesses in need of commercial loans to expand or even stay in existence may use the services of loan brokers who promise to find needed funds for a fee. Loan brokers should not be confused with either mortgage brokers, who arrange real estate loans, or money lenders, which include such entities as banks, savings and loans, and credit unions.
4/29/2014
If you are interested in making a major purchase or need financial assistance, you are probably looking into taking out a loan. Taking out a loan is a big commitment that requires responsibility, which is why it is crucial to do extensive research. Use these tips as a guide when taking out a loan.
6/15/2015
Buying a timeshare can be a great investment for you and your family however, it is important to review your options before rushing into a commitment. Read through these tips before deciding to buy a timeshare.
4/29/2014
You see the ads on TV and online, and you hear them on the radio: they tout gold as a solid investment. It's true that people sometimes use gold to diversify their investment portfolio: it can help hedge against inflation and economic uncertainty. But how much gold to buy, in what form, at what price, and from whom, are important questions to answer before you make that investment. 
4/29/2014
Choosing a bank that fits all of your specific needs can be an overwhelming task. Before searching for a bank, decide which features are important to you. This will allow you to better evaluate and compare banks throughout the process. Use the following tips as a guide when choosing a bank.
8/22/2014
Choosing a bank that fits all of your specific needs can be an overwhelming task. Before searching for a bank, decide which features are important to you. This will allow you to better evaluate and compare banks throughout the process. Use the following tips as a guide when choosing a bank.
4/29/2014
Credit is a convenience. It allows you to charge a meal on your credit card, pay for an appliance with an installment plan, or take out a loan to buy a house. With credit you can make a purchase when you lack ready cash, and you can enjoy the purchase while you are paying for it. 
4/29/2014
If you are overwhelmed or consumed by debt, you may be interested in the relief a credit counseling agency can provide. A credit counseling agency hires counselors that are trained in money and debt management and budgeting. Use these tips as a guide when choosing a credit counseling agency to help manage your debt.
4/29/2014
If you are overwhelmed by debt, a debt settlement program may be what you need to negotiate the money you owe. Businesses that offer debt settlement programs try to negotiate with creditors to settle payment that is less than the full amount of debt owed. Take precautions and use these tips as a guide when searching for a business that offers a debt settlement program.
4/29/2014
How you manage your money can determine the quality of your life. By having a financial plan, you can document and keep track of financial income and outflow. A financial plan should help you live comfortably within your means and enable you to plan for future growth. Just as it will help you pay for certain unexpected emergencies, the plan also should help you save for a comfortable retirement, or that dream vacation. 
5/1/2014
Thinking about donating to a charity? We recommend taking these precautions to ensure that your donation dollars benefit the people and organizations you want to help. They’re sensible practices whether you’re solicited by an organization’s employees, volunteers, or professional fundraisers by phone, mail, email, or in person.
5/1/2014
With the increase in the price of gold, consumers can make extra money by selling their jewelry and other products. Most sellers don't know what their gold is worth and get a small percent of the market value when selling. 
5/1/2014
When searching for financial services, you want a reliable advisor that can offer objective advice for your specific budget and investment needs. Choosing a financial advisor is a crucial decision since they are handling your income and savings. You want a qualified professional that has a vast experience dealing with your type of situation. Consider these tips when hiring a financial advisor.  
5/1/2014
When searching for financial services, you want a reliable advisor that can offer objective advice for your specific budget and investment needs. Choosing a financial advisor is a crucial decision since they are handling your income and savings. You want a qualified professional that has a vast experience dealing with your type of situation. Consider these tips when hiring a financial advisor.  
5/1/2014
Looking for a reliable tax preparer? Here are some helpful tips for your search:
Ask around
Don't fall for the promise of big refunds
Read the contract carefully
5/1/2014
Home Equity Loans have become a new source of credit for thousands of homeowners who wish to finance the purchase of large, expensive items or pay off outstanding credit card debts, medical or educational expenses, home improvements or other expenses.
5/1/2014
Every year homeowners suffer serious losses from fire, theft and natural calamities with the cost of damages running into billions of dollars. To protect against extensive financial loss, the wise homeowner should have an up-to-date homeowners insurance policy that adequately covers both home and possessions. 
5/1/2014
Identity fraud is on the rise in the United States. The criminals who commit this fraud use a variety of methods, from stealing credit card numbers, driver's license numbers, ATM cards, social security numbers, telephone calling cards, and other key pieces of personal information.
5/1/2014
Whether the policy is for auto, life, home, or any other type of insurance choosing an insurance company and policy is a big commitment. Each customer is different and requires a certain type of coverage to accommodate their lifestyle and family. For this reason, finding the right insurance company may take some searching. A qualified and dependable insurance company will be able to customize to the customer’s desired coverage and price range.
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