Friday, October 18

Tag: Colin Hogan

How to Secure a $30,000 Personal Loan | Personal Loans and Advice
28Jul By adminNo Comments
Money

How to Secure a $30,000 Personal Loan | Personal Loans and Advice

Personal loans can provide useful financing for a variety of purchases or projects, whether you’re seeking to consolidate debt, handle unexpected expenses or cover a large purchase.When borrowers take out a personal loan, they receive a lump sum of money at a fixed rate, which is repaid over a predetermined period. Borrowers can easily apply for personal loans through a variety of lenders, including banks and credit unions. Lenders offer personal loans, which typically do not require collateral, for amounts as low as a few hundred dollars to as high as $100,000.Repayment terms for personal loans usually span 12 to 84 months, with annual percentage rates varying from lender to lender and based on borrower qualifications. APRs currently range from roughly 7% to over 23% and are determined b...
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How Can You Get Student Loans for Trade School? | Student Loans and Advice
26Jul By adminNo Comments
Money

How Can You Get Student Loans for Trade School? | Student Loans and Advice

"Trade school" is an informal term for career-focused education, and programs that fall into this category may also be called career and technical colleges or vocational schools. These can prepare students to work in construction, mechanics, the culinary arts and much more. They typically cost less than a four-year undergraduate degree and take less time to complete.But trying to finance trade school can be complicated, especially if you’re not sure where to start. Read below to learn how student loans for trade school work.Can You Use Federal Student Loans for Trade School?"Generally, to be eligible for federal financial aid, you have to be in an eligible degree or certificate program," says Alisha Hyslop, senior director of public policy at the Association for Career and Technical Educa...
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What Is PMI? Here’s What You Need to Know About Private Mortgage Insurance | Mortgages and Advice
23Jul By adminNo Comments
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What Is PMI? Here’s What You Need to Know About Private Mortgage Insurance | Mortgages and Advice

Many lenders allow a 5%, 3% or even 0% down payment for a mortgage, so it’s no wonder some buyers are choosing not to put down the traditional amount of 20% when they buy a home. A downside of a down payment below 20% is that a buyer will need to pay private mortgage insurance possibly every month for several years.If you’re wondering what PMI is, here's an introduction to how it works and some tips on how to stop paying it as soon as possible.What Is Private Mortgage Insurance?PMI is an insurance policy that protects the lender in case you default on your mortgage."Mortgage insurance is generally required when the loan-to-value ratio is higher than 80%," says Ron Haynie, senior vice president of mortgage finance policy for the Independent Community Bankers of America.If you’re putting do...
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5 Best Crypto Credit Cards | Credit Cards
22Jul By adminNo Comments
Money

5 Best Crypto Credit Cards | Credit Cards

There’s no shortage of credit card reward programs available and a wide variety of perks to choose from, from cash back to airline miles to retail rewards. In recent years, cryptocurrency reward cards have filled a niche for those interested in earning digital currency from their card swipes.With cryptocurrency reward cards, users can earn Bitcoin, Ethereum and other digital currencies from their purchases.“Crypto reward cards can offer a unique twist on your typical rewards card and can help you build up your cryptocurrency wallet while you make everyday purchases,” says Carter Seuthe, CEO of Credit Summit, a firm that offers advice for consumers on building credit and getting out of debt.As with all credit cards, users should refrain from overspending and pay off balances each month if ...
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First Horizon Mortgage Review 2023
13Jul By adminNo Comments
Money

First Horizon Mortgage Review 2023

Compare Top Mortgage Lenders Lender Learn More Min. Down Payment Min. Credit Score Lender Learn More Min. Down Payment Min. Credit Score Lender Learn More Min. Down Payment Min. Credit ScoreWhat Types of Mortgage Loans Does First Horizon Offer?First Horizon offers a wide range of mortgage products, including: Conventional loans. Adjustable-rate mortgages. Federal Housing Administration loans. Veterans Affairs loans. U.S. Department of Agriculture loans. Jumbo loans. Affordable housing loans (geographic restrictions apply). New home construction financing. Mortgage refinancing. Home equity lines of credit. How Does First Horizon Work?To begin the mortgage application process, you have to work directly with a First Horizon loan originator. You can fill out your contact informat...
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10 Retirement Rites of Passage | Retirement
10Jul By adminNo Comments
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10 Retirement Rites of Passage | Retirement

Few things in life can compete with the significance of retirement. After decades of working day in and day out, this is when you get to reclaim your time for yourself.“This is (one of) the largest transitions folks will make in their lifetimes,” says Shanna Tingom, financial advisor and co-founder of Heritage Financial Strategies in Gilbert, Arizona. “It’s a lot more emotional than people think.”As you move through the retirement process, you can expect to go through most, if not all, of the following rites of passage. Realizing you can retire. Turning in your resignation. Permanently shutting down your work computer. Saying good-bye to co-workers. Waking up on a workday without an alarm Answering “What do you do?” for the first time. Receiving your first retirement fund distribut...
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LendingTree Mortgage Review | Mortgages and Advice
8Jul By adminNo Comments
Money

LendingTree Mortgage Review | Mortgages and Advice

Compare Top Mortgage Lenders Lender Learn More Min. Down Payment Min. Credit Score Lender Learn More Min. Down Payment Min. Credit Score Lender Learn More Min. Down Payment Min. Credit ScoreWhat Types of Mortgage Loans Does LendingTree Offer? LendingTree does not originate loans, but its marketplace can connect you with loan types including: Conforming prime mortgages Jumbo loans Federal Housing Administration loans Department of Veterans Affairs loans Non-prime mortgages Refinancing How Does LendingTree Work? LendingTree's network of lenders give it criteria about the loans and customers they're interested in. You provide LendingTree information on the type of loan you're looking for and details about your financial situation. LendingTree can then match you with lenders that wou...
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How to Save $1 Million by Retirement | Retirement
5Jul By adminNo Comments
Money

How to Save $1 Million by Retirement | Retirement

How much will you need for retirement? For many people, the magic number seems to be $1 million.“I think a million dollars is a good goal to have in mind, but it depends on a person’s unique circumstances,” says Mindy Yu, director of investing for Betterment, a 401(k) retirement plan provider. Your specific retirement savings needs will depend on factors such lifestyle choices and the cost of living in your area.While saving $1 million for retirement may seem daunting, it can be a doable goal, especially if you follow these tips:Start Saving at an Early AgeWhen it comes to amassing a large nest egg, nothing may be more important than time in the market. By opening and funding a retirement account early, workers can maximize the power of compounding gains.“It can be a 16-year-old putting $...
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7 Loan Apps That Let You Borrow Money Fast | Personal Loans and Advice
19Jun By adminNo Comments
Money

7 Loan Apps That Let You Borrow Money Fast | Personal Loans and Advice

If you ever find yourself in a financial bind and need instant access to cash to cover an unexpected expense, there's an app for that. Whether you call them loan apps, borrow-money apps, cash advance apps or payday advance apps, these online lenders can provide financial lifelines to people in a penny pinch.They're not ideal. There's always a cost to borrowing money – even if that cost is just in the form of continuing bad financial habits – but loan apps might be useful in an emergency. Learn more about how loan apps work, the pros and cons, and our top picks for when you find yourself coming up short.Are There Really Apps That Let You Borrow Money?Different from online personal loans, loan apps are meant to offer a short-term solution for those in need of a quick money fix – and there a...
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