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  • 1. The credit card you pick can save you money Views: 393
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    Terms of Use The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper's Checklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They c  More...
  • 2. What are some things that I should consider when shopping for a mortgage? Views: 350
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    Terms of Use Table of Contents 1. Obtain information from several lenders 2. Obtain all important cost information 3. Obtain the best deal that you can 4. Remember: Shop, compare, negotiate 5. Fair lending is required by law 6. Credit problems? 7. Glossary 1. Obtain Information from Several Lenders Home loans are available from several types of lenders-- thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you sh  More...
  • 3. What is a Credit Score and how is it different than a Credit Report? Views: 208
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    Terms of Use Credit Score A credit score (ranging from 300 to 850) is a measure of your credit worthiness or how likely you are to pay back your debts and do so on time. You want to have a high score. Your credit score is used by lenders, credit card companies, employers, landlords, insurance companies and others in evaluating whether to extend credit to you. The higher your credit score, the lower the assumed risk to lend you money. While no specific definition of “good” is un  More...
  • 4. Is credit counseling good for me? Views: 203
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    Debt consolidation and credit counseling have been a hot topic in today's market. Attached is an article from MSN Money that covers the basics on the good and bad side of credit counseling. For local information on a non-profit credit counseling agency, please visit Consumer Credit Counseling Service of NEPA. The consumer's guide to credit counseling Credit counselors are falling all over themselves to help you out of debt, but some do more harm than good. Here’s what you need to know,   More...
  • 5. What is a Coverdell Education Savings Account and who's eligible to contribute? What are qualified higher education expenses? Views: 197
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    Terms of Use What is a Coverdell ESA? A Coverdell Education Savings Account (ESA) is a type of IRA that allows you to make nondeductible contributions up to $2,000 annually for anyone under the age of 18 or a special needs beneficiary of any age. Assets in a Coverdell ESA must be used for qualified education expenses before your child (the designated beneficiary) turns 30 in order to be withdrawn tax-free. With a Coverdell ESA: The maximum contribution amount for a beneficiary is $2,000 per ye  More...
  • 6. Your "Get Out of Debt" Step-by-Step Roadmap Views: 197
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    Terms of Use: Your Get out of Debt Step-by-Step Roadmap You've heard the old saying, live within your means. Easier said than done for some. The important thing is that you've reached a point where you realize your life would be a lot less stressful if you didn't have bills to worry about. Short of winning the lottery, what can you do? Here's help. Four rules to live by: 1. Be realistic! If you are spending $500 a month now on food, don't expect to cut your grocery bill t  More...
  • 7. What is the difference between a secured and an unsecured loan? Views: 177
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    A secured loan is one where you have assigned Service 1st the right to take possession of one or more of your assets if you do not repay the loan within its term. These assets are specifically identified as part of the loan documentation and serve as collateral for Service 1st in the event that you default on your loan. If you default on a secured loan, Service 1st can take possession of the asset(s) and sell it to recoup any balance outstanding on the debt. Any amount recouped from the as  More...
  • 8. Mortgage Shopping WorkSheet Views: 173
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    Terms of Use Type and amount of mortgage: Name and contact for Lender 1: Name and contact for Lender 2: Name and contact for Lender 3: Name and contact for Lender 4: Basic Loan Information Lender 1 Lender 2 Lender 3 Lender 4 Minimum down payment required Loan term (length of loan) Contract interest rate Annual percentage rate (APR) Points (may be called loan discount points) Monthly Private Mortgage Insurance (PMI) premiums How long must you keep PMI? Estimated monthly escrow for taxes an  More...
  • 9. What is generally covered and what is not with a standard homeowners insurance policy? Views: 160
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    Terms of Use: Below we have identified what is generally covered by a standard homeowners policy, but you need to talk to your insurance agent to understand specifically what your policy covers and up to what amount. What's generally covered: Damage to both structures and personal property caused by: fire lightning windstorm (including hurricanes and tornadoes) or hail explosions riot or civil commotion aircraft and vehicles smoke theft or vandalism falling objects weight of ice, snow or sle  More...
  • 10. Basics about debt Views: 151
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    Terms of U se High debt and misuse of credit cards make it tough to save for retirement. Money that goes to pay interest, late fees, and old bills is money that could earn money for retirement and other goals. How much debt is too much debt? Debt isn't necessarily bad, but too much debt is. Add up what you pay monthly in car loans, student loans, credit card and charge card loans, personal loans - everything but your mortgage. Divide that total by the money you bring home each month. The r  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.