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What is Secured Debt Consolidation?

It can be very difficult to deal with multiple loans or credit cards at one time. Every loan comes with its own set of terms and conditions, and it is not unusual to feel overwhelmed trying to keep track of them. Financial institutions provide the solution for this problem through secured debt consolidation. 

Tips for Selling Your Car

Selling a car is more than taking a few pictures and posting them online. The seller should consider the key points a buyer will be interested in such as price, the appearance of the car and how the vehicle has been maintained. Here are several tips to assit you in selling your car like a professional. 

Advantages and Disadvantages of a Home Equity Line of Credit

A home equity line of credit (HELOC) is a financial tool available to homeowners who have equity in their home. Although it is an option for most people, the advantages vary from person to person. A HELOC is similar to a home equity loan, but instead, the loan is in the form of a line of credit. There are advantages and disadvantages of a home equity line of credit. You should considered these factors before you decide if it is right for you.

 6 Questions to Ask When Choosing a Home Equity Loan

A house is usually one of the biggest assets that a person owns. Whether it is big or small, it plays an important role in a person’s life. That is why homeowners should decide very carefully when taking out a home equity loan. There are important questions to ask when choosing a home equity loan. 

Types of Student Loans

A student loan is used to assist students in dealing with the expenses of their academic careers. These expenses include tuition, living expenditures, the cost of books, and so on. The types of student loans and the terms at which these loans are given differ with respect to location and lending organization. Student loans are offered with comparatively low interest rates and repayment terms are flexible during the time when the student is still enrolled in college.

The Difference Between APR and APY

When you look at interest rates, you’ll see two abbreviations pop up over and over again—APR and APY. Some financial institutions will show both the APR and APY for their finances, while others may show only one value or the other. To make things more confusing, the rates may only vary by a fraction of a percent.

How Does Interest Work?

If you’ve ever opened up a savings account or taken out a loan, you’ve heard the term interest before. You also probably have a rough idea of what it means—if you have a loan, you have to pay more money back than what you borrowed. If you have a savings account, you get a bit of money back each month.

12 Best Ways to Manage Your Credit Cards

Credit cards can be very convenient and useful if you know how to use them properly. Being responsible with credit cards can help you avoid  a lot of financial heartache. Before charging everything on your credit card, it is helpful to learn how to manage the card. Many people get a credit card for easy access to spending money without realizing the negative effects it can have.

The Pitfalls of Pay Day Lending

In a financial emergency a Pay Day loan may seem like a lifesaver, especially if you have poor credit, have no savings, or think a traditional loan is somehow out of your reach. Pay Day loans also seem more accessible, since you can find a Pay Day lender in a storefront or pawn shop. You can even find them online.

How to Transfer Ownership of a Car

Do a quick search online about buying a car and you’ll find hundreds of articles talking about every aspect of buying a car from pre-shopping research to getting the best rate on an auto loan. However, there’s one major aspect of buying a new car that is relatively ignored—transferring the car’s title.