If you are putting consideration into investing money, but you are not sure which is the safest way to invest your money, then your first stop should be someplace where you can get professional advice on the subject. The last thing that you are going to want to do is to risk losing all of [...]
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What Are Safe Investments?
December 1st, 2008 — , Capital One, assurances, bet, bonds, choices, federal government, hard earned money, high risk, interest investments, interest rate, interest rates, investing money, investment schemes, investments, loanio, money, personal finance, professional advice, qualified consultants, rewards, risk investments, sacrifices, something out of nothing, sound advice, treasury bond, treasury bonds from Loanio @ Loanio
How do Savings Bonds Work
November 26th, 2008 — , Lenders, american government, bond options, bonds, common stock, intents and purposes, interest rates, investment portfolio, investments, lending money, long term investment, lucrative investments, money, penny stocks, risk, stock market, united states government, united states savings bond, united states savings bonds, us treasury bonds from Loanio @ Loanio
Are you wondering why you should invest in United States savings bonds, or how savings bonds work? This is a question that not enough people are considering these days, because most people are pressing their luck instead by gambling with stocks and other investments. So many people are turning to penny stocks thinking that they [...]
Related StoresHoliday Shopping Techniques To Avoid Breaking the Bank
November 17th, 2008 — , Credit Cards, bad news, best deals, current state, gas money, gas prices, good time, handmade gifts, holiday gifts, holiday season, holiday shopping, interest rates, lowest prices, maxes out, money, money saving coupons, money saving coupons from, online retailers, perfect year, personal finance, shipping deals, whole hog from Rich Leverage @ Rich Credit Debt Loan
It is looking like the upcoming holiday season will be gloomy for many families, given the current state of the economy and continued bad news on many financial fronts. While this may not be a time to go all out with gifts, there are holiday shopping techniques that you can use to save money without [...]
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What is a Good Credit Score?
November 13th, 2008 — , Lenders, car loan, cars, credit, credit karma, credit report, credit score, credit scores, department store credit, home repair loan, interest rates, loans, medical bills, money, percentage rates, personal finance, store credit cards, what is considered good credit from Credit Karma @ Credit and Personal Finance Blog | Credit Karma
Most people know what a credit score is, but not really what it means or is all about. What qualifies as a good credit score? Some people consider a good credit score to be 720+, but this is classified as above average credit, or “very good credit”. Most people do not have a credit score [...]
Related StoresShould You Pay Down Your Debts?
November 12th, 2008 — , banks, cards, consumers, credit karma, credit report, credit score, credit scores, debt, debts, increments, interest rates, money, monitoring service, mortgage, naught, open accounts, personal finance, personal loan, risk, scenarios, struggle from Credit Karma @ Credit and Personal Finance Blog | Credit Karma
One of the biggest issues that many consumers face is figuring out how much debt they should be carrying. As Americans struggle with mounting debts, the focus has shifted towards paying them down and getting them under control. While there are many benefits to paying off your debt, there are a few things to keep [...]
Related StoresThe Lending Club Offers New Alternative for Consumer Credit Following $600 Million SEC Registration
October 16th, 2008 — , Features, In the News, Lenders, Lending Club, P2P Lending, borrowers, credit instruments, distrust, economy, financial crisis, financial institutions, interest rates, investments inc, liquidity, loans, mainstream adoption, quiet period, reason consumers, sec registration, securities and exchange, securities and exchange commission, trading platform, united states securities, viable investment from RateLadder @ Rate Ladder
Back in April of this year, the Lending Club announced that it would be going into a quiet period due to the beginning of a registration process involving the SEC, the United States Securities and Exchange Commission. Now the Lending Club is pleased to announce that the process has been completed, and now the Lending [...]
Related StoresZopa Shuts Down US Branch
October 14th, 2008 — , Italy, Lenders, News, P2P Lending, Zopa, benefit, borrowers, credit unions, economic crisis, economy, interest rate, interest rates, loan interest, loan services, loans, marketplace, p2p, peer to peer lending, regulatory issues, regulatory restrictions, restriction, turmoil from RateLadder @ Rate Ladder
Zopa, the UK based peer to peer lending company, is shutting down their US branch due as a result of toughening conditions that are currently being experienced by the US economy. Zopa provides loan services in the UK, as well as in Italy and Japan through a pure P2P style marketplace. Borrowers would request loans, [...]
Related StoresWas the Bailout Too Costly?
October 13th, 2008 — , In the News, bailout plan, billion dollars, credit flow, debbie stabenow, economic downturn, economic stimulus plan, economy, financial institutions, financial sector, fixed rate, interest rate, interest rates, phone interview, public works projects, risky mortgages, senator debbie stabenow, six years, sub prime mortgage, sub prime mortgage loans, true value, unemployed workers from Credit Karma @ Credit Karma
According to numerous sources at this point, the recent bill to bail out the financial sector was simply too costly, and failed to adequately address the true housing crisis. Many people have opposed the bailout bill because it is failing to do anything to help unemployed workers and homeowners.
According to Senator Debbie Stabenow, “I absolutely [...]
How Will the Housing Crisis Affect You?
October 13th, 2008 — , Credit Crunch, appraisals, arm mortgages, bad news, credit karma, credit scores, down payments, few days, getting a loan, good time, home buyers, home loan, home values, housing, improvements, interest rates, loans, negative equity, prime candidates, rate increases, rising interest rates, saving money, selling a home, threshold from Credit Karma @ Credit Karma
Housing prices are continuing their downward trek, and many consumers are facing negative equity and wondering just how bad things are going to affect them. Whether you’re trying to buy, sell or just maintain a home, the credit crunch may have some affect on you. Let’s take a look at what many people are currently [...]
Related StoresDo You Really Need Credit Cards?
October 7th, 2008 — , Bad debt, Credit Cards, Free Money, credit card credit, credit history, credit karma, credit score, credit scores, debt burdens, debt limits, economy, interest rates, many different ways, minimum balance, personal finance, six months, store credit cards from Credit Karma @ Credit Karma
Given the state of the economy and the rising debt burdens of millions of Americans, many people are left wondering whether they really need credit cards. The answer to this question lies in how well you can manage your money and whether or not you are prone to overspending. Let’s take a look at some [...]
Related StoresMortgage Interest Rates Start To Change
October 7th, 2008 — , borrowers, consumer advocates, current situation, fannie mae, foreclosure, freddie mac, housing market, interest rates, lack of awareness, light at the end of the tunnel, money, mortgage, mortgage industry, mortgage payments, personal finance, refinance, resurgence, rude awakening, second job, specter, subprime, variable rate mortgage, variable rate mortgages from Loanio @ Loanio
There was big news within the mortgage industry recently as interest rates finally went back below 6%. The reaction was mixed, but the rate did prompt many people to rush to refinance their homes. For those that are stuck with variable rate mortgages, the current situation in the housing market has been volatile to say [...]
Related StoresLoanio Launches!
October 1st, 2008 — , P2P Lending, co borrower, interest rates, negative interest, peer to peer lending from Lazy Man @ Lazy Man and Money
In a release so delayed that it made the latest installments of Rocky and Indiana Jones seem like nothing, Loanio has launched. If you go back to the darkest corner of your memory you may remember that Loanio announced it will be a peer-to-peer lending company intending to compete with Prosper and Lending Club. [...]
Related StoresWhat Does a Credit Score Really Mean?
October 1st, 2008 — , acceptable level, cellular phone plans, credit reports, credit score, credit scores, credit scoring, current state, debts, detriment, economic climate, getting a loan, high risk, high score, interest rates, many other services, many things, moderate risk, personal finance, phone bills, potential trouble, risk case, trouble signs from Credit Karma @ Credit Karma
Out of all of the credit related terms consumers have to deal with, a credit score may be one of the least understood. Credit scoring is a standard developed to help companies and banks determine overall risk. Your credit is important. A low score is considered to be a bad thing, while a high score, [...]
Related StoresThe Importance of Knowing What Is In Your Credit Report
September 30th, 2008 — , Credit Cards, banks, cellular phone, credit monitoring service, credit report, credit score, credit scores, frequent basis, interest rates, landlord, major credit bureaus, necessary steps, personal finance, proactive, risk, three major credit bureaus from Credit Karma @ Credit Karma
Many of us go through life, blissfully unaware of what is going on in our credit reports. We pay our bills on time, at least most of the time, and open up new credit cards whenever we feel like it. In fact, you may never really know just how bad your credit is until you [...]
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Is The State of Your Credit Forcing You to Spend More Money?
September 29th, 2008 — , 163, 30 year fixed rate, bad credit, banks, consumers, credit history, credit score, credit scores, creditors, different ways, exact loan, fixed rate loan, interest rates, loans, money, perfect time, personal finance, poor credit, rewards, risk, same time period from Credit Karma @ Credit Karma
Many of us don’t realize just how much of an impact our credit scores can have on our finances. What triggers change in your credit scores? Well, if you have had difficulty paying your bills in the past, or you have not done much work to build up your credit history, chances are your score [...]
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Restore Your FICO Score – Part Two
September 29th, 2008 — , Bad debt, Lenders, checkbook, collection agencies, collections, credit report, credit score, diligence, fico score, fico scores, fraction, goal, interest rates, loans, money, personal finance, proof, verification letter from Rich Leverage @ Rich Credit Debt Loan
In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little [...]
Related StoresHow the Bail Out Affects Everyone
September 26th, 2008 — , Credit Cards, Credit Crunch, bail out, interest rates, personal finance from Kenneth Lin @ Credit Karma
The popular sentiment right now is that the $700B government bail out is about Wall Street, CEOs, and in general, rich people. While the bail out will most certainly help the aforementioned, it has much larger ramifications on the general economy. To start, a failure in the financial system of this [...]
Related StoresHow A Credit Card Limit Is Determined
September 23rd, 2008 — , Credit Card Limits, Credit Cards, Underwriting, approval, interest rates from Kenneth Lin @ Credit Karma
On our credit card offers, there are several discussions about how credit limits are set. Although its been almost 10 years since I worked at one, I can share my personal experience with how credit card companies underwrite and determine credit limits.
The two main factors in the credit approval and credit limit determination were credit [...]
WaMu Increases Saving Rate to 4.00%
September 22nd, 2008 — , Deposits, Savings Rates, WaMu, interest rates, personal finance from Kenneth Lin @ Credit Karma
We just received notification that WaMu is increasing their online savings rate from 3.75% to 4.00% effective immediately. According to our rate table, that is the highest short term rate available outside of the credit union loyalty rates we discussed earlier.
Based on the user feedback, about 70% of users have had a good experience [...]
6 Easy Tips on Raising Your FICO Score
September 4th, 2008 — , Credit Cards, collections, credit report, credit requests, credit score, creditor, fico score, getting a mortgage, goal, interest rates, major credit bureaus, money, overall score, pay for deletion letter, period of time, personal finance, self worth, short period, three major credit bureaus, three months from Rich Leverage @ Rich Credit Debt Loan
In today’s world, it’s easy to define your self worth by your FICO score. Whether you are trying to buy a house, get more credit or just get back on the right track, a low FICO score can really impact your entire life. However, there are some easy steps that you can take to increase [...]
Related StoresHow to Start Saving More Right Now
August 28th, 2008 — , Income Streams, Retirement, banking, bottom line, checking account, disposable income, enough money, getting a loan, habit, interest rate, interest rates, money, odds, personal finance, safe deposit box, saving money, savings account, thousands of dollars, ways to make more money from Rich Leverage @ Rich Credit Debt Loan
For many of us, saving is something that we always plan to do, but never quite get around to it. The bottom line is, if you don’t have a savings account and a regular plan for putting money aside, you may regret it in the future, especially as you get closer to retirement. A savings [...]
Related StoresThe Dangers of Long Term and Interest Only Loans
August 19th, 2008 — , Long Term, P2P Lending, benefit, car loan, consumers, debt, face value, interest only home loan, interest only loan, interest only loans, interest rates, kicker, loans, long term loans, lower monthly payments, money, new trends, personal finance, personal loans, popularity, principle, property values, refinancing your home, selling your home from Rich Leverage @ Rich Credit Debt Loan
There are two new trends in the banking world that may actually be very dangerous for consumers. Long term personal loans and interest only loans are gaining in popularity, especially in the wake of the housing crisis. While these may seem to be a great option at the time, there are many risks from these [...]
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Tips for Paying Off Student Loans
August 17th, 2008 — , banks, bartending, borrowing money, debt, decades, direct loan, enrollment figures, family disputes, full time, interest rates, jobs, leverage, loans, next decade, parents, part time job, periods, second job, student loan industry, student loans from Rich Leverage @ Rich Credit Debt Loan
Right now, the student loan industry is going through one of its worst periods in decades. New Federal regulations have forced many banks to stop offering student loans, and students are being forced to either find a direct loan or start paying back what they owe. Enrollment figures are being affected dramatically and right now, [...]
Related StoresAvoid Getting Stung by Fees
August 4th, 2008 — , Bank Fees, credit karma, functionality, interest rates, personal finance, save money from Mark Writer @ Credit Karma
As I said in my introductory post, the trick to getting the most from your bank or credit union is to take advantage of the financial system. But sometimes it feels like it’s the financial system that’s taking advantage of us; mainly in the way of ever-increasing fees.
You’ve got your fees for overdraft protection, fees [...]
Related StoresThe Importance of Credit
June 30th, 2008 — , credit scores, interest rates, personal finance from Kenneth Lin @ Credit Karma
At Credit Karma, we want to give our users access, information, and leverage. We read everyday about the importance of credit but I don’t think we do a very good job quantifying it. Last Friday, I called up a friend at E-LOAN and asked about the best rates for a 650 credit score versus a [...]
Related StoresWhat You Need to Know Before Going Into Debt
June 11th, 2008 — , Bad debt, Credit Cards, Debt Management, Free Money, credit card, credit score, deb, debt, debt trap, debts, interest rates, less than three months, leverage, limit fees, loans, making money, maxing out, money, personal finance, ropes, rule of thumb, salary, smart practice, traps from Rich Leverage @ Rich Credit Debt Loan
Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it is. Going into small amounts [...]
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Great Rates with CheckingFinder (Up to 6%)
June 3rd, 2008 — , Checking Finder, High Interest Checking, interest rates, personal finance from Kenneth Lin @ Credit Karma
While most of the major banks are providing .25%-3.25% interest, there are many small community banks and credit unions that are willing to provide 4%-6% interest on your checking and saving deposits. I was a bit skeptical when I first saw the rates since it seemed too good to be true and way out of [...]
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