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Dating Tip for Women: Don't Work Too Hard
Remember Jerry Hall, the model who married Mick Jagger? Jerry was famous for making this statement: "My mother said it was simple to keep a man. You must be a maid in the living room, a cook in the kitchen, and a whore in the bedroom." I don't...
Flirting and Body Language When Dating-The Experts Opinions
If you’re on a first date and you’re trying to figure out what Mr. or Ms. Potentially Right thinks about you, look downward. Not there, silly. “The key to a man’s heart isn’t his stomach. It’s his feet,” says Lisa Daily, author of “Stop Getting...
No More Desperation Dating
When you think about what you find attractive in a person, what comes to mind? Tall, dark and handsome? Blonde and curvaceous?
How about happy and fulfilled with an exciting life?
I don't know about you, but I would pick the happy,...
Online Dating: Is It Right For You?
Should you go online dating? Why not? That is the answer for
many of those undecided and unsure of going Internet dating.
There are many reasons for doing so, and by being a member of
online dating services, you are expanding your social circle...
Online Dating Works!
You hear it everyday. There are more and more people out there who have found love online. I am not surprised! From my experience, online dating is so much easier and better then offline dating. Just a few of years ago, I was single and very...
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Consolidating Debt - How To Get The Lowest Interest Rate On A Debt Reduction Or Consolidation Loan
To get the lowest interest rate on a debt consolidation loan,
you need to research terms and rates. Lenders realize to remain
competitive, they must offer low rates. A difference as little
as a quarter percent can save you hundreds a year. The type of
loan you choose can also have significant financial
repercussions.
Picking Your Debt Consolidation Loan
You have two options for a debt consolidation loan - secured or
unsecured. Secured loans are backed by property you own,
typically your home. You can choose to refinance your mortgage
to pull out your equity to pay off your bills. You can also use
a home equity line of credit to consolidate your debt. With both
types of loans, the interest is tax deductible.
Unsecured loans, such as personal loans, have no collateral, so
interest rates are higher. You can expect to pay a couple of
percentage points higher than prime, depending on your credit
score. You will also need to have a steady source of income.
When you pick the type of debt consolidation loan you want,
consider all the financial factors. A secured debt will involve
fees. You may also find that interest rates are higher than when
you first received your mortgage. However, you need to remember
their tax advantage. For large debts, a secure loan usually is
the best choice
with a longer period to recoup the cost of fees.
Unsecured loans are ideal for those who don't have property or
have smaller debts.
Finding Lenders
No matter if you are looking for a secured or unsecured loan,
the principles for finding a lender are the same. Start by
requesting quotes and terms from several lenders. You may be
surprised to find a lesser known lender offers far better rates
than national financing companies. Also, use the internet to
speed the process by requesting information online.
Besides rates, request information on fees - both up front and
any early payment fees. This information will help you determine
the true cost of the loans.
Once you have found a few potential lenders, investigate further
for discounts and customer service. You may find a lender who
offers discounts for applying online or being a first time
borrower with them. If all factors are the same, select the
lender that you feel most comfortable with and is easy to
contact.
About the author:
See my recommended Debt
Consolidation Companies online. Carrie Reeder is the owner
of ABC Loan
Guide, an informational website about various types of
loans.
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