Top 10 Tips For Applying For A Personal Loan in 2017

Should I Get a Small Business Loan?

You may be planning on a new car in the New Year, or maybe some home improvements. Well, if you are, these tips will help you when applying for a personal loan and to ensure the loan you get is the best for you.

Tips For Applying For A Personal Loan

1) Get The Deal That’s Right For You

Should I Get a Small Business Loan?Personal loans end up being used to meet many different needs by borrowers. You might be trying to consolidate debts on multiple credit cards, start a home improvement project, build capital for your business, or just take a vacation.

Before you make any commitments, make sure you’re looking at the right kind of credit. Depending on your circumstances, you might be served better by a line of credit or a home equity loan. Because your home serves as security on such a credit line or loan, you’re likely to get a better interest rate than you would from an unsecured personal loan.

2) Use A Trustworthy Lender

There are many financial institutions in the personal loan business. Examples include banks, online lenders, and credit unions.

Terms, conditions, and interest rates are going to vary from lender to lender. This makes it important for you to shop around before making a final decision.

As an example of the kind of interest rate variations you face, consider these averages provided by Perc Pineda. (Pineda is the Credit Union National Association’s senior economist.) A two-year personal loan for $5,000 comes with a 9.93% interest rate at banks, while the same loan has a rate of 9.54% at credit unions.

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Top 3 Ways Not To Let Too Many Investing Choices Overwhelm You

Do Not Let Too Many Choices for Investments Overwhelm You

Did you know that there are thousands actively traded mutual funds in existence? Investment companies are adding more every week too. Between stocks, bonds, actively traded mutual funds, index funds, ETFs, Roth IRA, and the like, investors have more choices than ever. Have you ever become overwhelmed with too many choices? Has it made you hesitant to start investing? It shouldn’t hold you up investing. Three Ways Not To Let Too Many Choices For Investing Overwhelm You Mirror The Stock Market Researchers have conducted several in-depth studies over the past few years that have shown that stock pickers cannot consistently, year in and year out beat the overall stock market rate of return. So, if you can’t beat them, you might … Read more

The Advantages Of Investing In Gold In Today’s Market

The following is a guest post on Money Q&A. If you would like to write an article for Money Q&A, please visit our Guest Posting Guidelines page. Investing in gold is something many people consider doing, in order to protect their savings. As this is one of the best investment opportunities, the sooner you understand its benefits, the better. The biggest investors in the world have bet on this precious metal, due to its excellent potential. Moreover, its rarity and market demand make it very attractive, especially on long-term. Let’s see how you can put your money to good use by investing in gold.  Although buying and selling gold appears to be easy, you should be very careful where you purchase it from. … Read more

Why You Should Use Your Credit Card

Why You Should Use Your Credit Card

9522973880_c65e5486185678888Still not sure on how to use your credit card? When is it too much and when is it completely okay? It’s completely fine if you use your credit card for anything under the sun (or under the roofs of your precious mall). As long as you’re paying your monthly debt on time, there’s no way that you should be in trouble.

Still not convinced? The following are the reasons why you should definitely use your credit card, and don’t let it rot in your wallet.

Why You Should and How to Use Your Credit Card

Quick and easy

You no longer have to shell out cash whenever you’re in the mall. You no longer have to get in line just so you can withdraw money from the ATM. Just a single swipe and your transactions are good to go. There are many great options for small businesses too like a portable credit card swipe machine to complete transactions. Many small businesses may even be eligible to receive a free credit card terminal

Computerized billing

Complete hassle free transactions guaranteed! Your utility bill, cell phone bill, and anything else you pay monthly can be paid automatically through the help of your credit card. It’s a load off your mind, no need to stress out because you don’t have to remember countless due dates, or try to think back if you paid a certain bill or not.

Then you’ll just have one date to remember—the due date for your credit card! Your credit card keeps you updated with your monthly bills and transactions, so you never have to worry ever again.

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3 Reasons Not to Avoid Buying a Starter Home

Why You Should Buying a Starter Home

Recently, Consumer Reports reported that 75% of first-time homebuyers are planning to skip buying a starter home. Many future homeowners want to skip a step and purchase the home of their dreams. But, this can be a mistake. Buying a starter home can help future homeowners save more money for a larger home in a better area in the future. For many years, buying a starter home was the normal path to homeownership for young individuals and couples. But, that trend seems to be dying out. You Should Not Skip Buying a Starter Home Here are a few reasons why avoiding a starter home might not be a good idea. Starter Homes Are Stepping Stones Don’t look at buying a … Read more

Infographic: The History of Binary Options from Binary Options Robots

The popularity of binary options has soared since the U.S. Securities and Exchange Commission’s approval in 2008. The phrase “binary options” now receives 110,000 monthly searches in Google, only 20,000 less than “forex trading”. And, now you can trade with binary options robots. There have been several regulatory issues along the way: this summer France and Belgium prohibited all advertising of binary options products. Israel has emerged as the center of binary options: in 2014 The Time start-up incubator reported that 15 Israeli trading companies were posting annual revenues in excess of $10 million, and 3 in excess of $100 million.  Check out the infographic below, courtesy of Binary Options Robots! They provide hands-on robots embedded with sensors, actuators, and … Read more