My boyfriend is 18 and wants to get a credit card to help launch his credit. He doesn't want one has a high% in April. What credit cards out there would be good for him to help build your credit??
I would recommend station gas cards as Exxon Mobil or Sunoco card and department stores like JC Penney, Best Buy, Sears, Target, etc (yes some have a higher interest rates). I would encourage the department store cards, because for example, if you have a Visa or Mastercard one, especially young people tend go overboard and spend more freely and eat your credit limit very quickly because they can use anywhere. department store cards instead only are good in one place and their limits to spend at least a little.
Can anyone help me I owe so much. I can not work this time. accumalate I have my debt for many years and just wants a fresh start, how do I can do? I do not want as I have calateral building or work of all its affecting my circle of life now please someone help me with this sorry people. really do not want to take anymore I can not repay loans
Wow … the pressure is really construction, eh? I do not know much about the UK, but here in the states have this type on the radio by giving financial advice. His name is Dave Ramsey and was ounce of millions of dollars (or pounds in their jargon) of debt and now has a radio program and website talking about what he did. There is another website that offers advice also financial …. I will list them both in my sources. It is difficult to advise what to do and I do not know all the details of your situation …. but if you take a look at my sources, I think I might be able to point you in the right direction! Good luck!
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ES credit debt consolidation helpful in reducing your bills? Is there a downside?
have many card accounts Credit also want to lower the charges without damaging my credit card
Depending on how. If you go to a debt counselor to ask the issue. Some organizations that help you through consolidation, but that puts you in some sort of black list and make it harder for you get credit. You should try to obtain a second mortgage on your house to get money to consolidate, then the interest is tax deductible.
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Is there a way for credit card companies to forgive a portion of the credit card debt?
Getting rid of debt is a priority in my family. We''ve been consistent with our credit card payments. A word to young people: never use a credit card nothing. No I was curious if there was a way for credit card companies to forgive a portion of the debt if it has been regular with their payments.
If you did not need a credit card until the people have been saying that you need not worry about it. You really do not 'need' one. The only reason that I have my credit card (next to help my credit score!) was to emergiencies-and was at my suggestion of the family. Finished request a card through my bank or federal credit union. That will be easier than elsewhere, especially if you've been with them for a while. Make sure you have no annual fee. Apart from that, pick and choose. Http: / / hubpages.com/_36442/hub/How-to-Select-best-credit-card
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I was thinking about paying off credit cards because the collection. You must use a credit card consolidation compan
I was thinking about paying off credit cards because of the collections. Should I use a credit card consolidation company to pay them all off and have a single payment and avoid bankruptcy?
Many people think that the use of a consolidation company is on the verge of bankruptcy. This is not necessarily true. Not all credit card companies or credit lender thinks so, is subjective. A consolidation company, for some people, is the best way out of debt.
loans reflects "weak" mortgage market for number of mortgages for house purchases grew 7% in July, but loans a first-time buyers fell by 2%, the Council of Mortgage Lenders says mortgage demand remains weak, although loans for house purchase housing increased by 7% to 56,000 in July compared with the previous month, according to latest figures published by the Council of Mortgage Lenders. The value of loans for house purchase increased by 9 … Westpac banana smoothie video on mortgage interest rates – plus response
What is the advantage of a fixed-rate mortgage on a variable rate mortgage?
Fixed rate mortgages usually have lower rates that variable-rate mortgages Fixed rate mortgages # require payments lower than variable rate mortgages # The interest on fixed rate mortgages not # The interest may fall into a fixed rate mortgage can not rise
Simply put, a fixed-rate loan can not be changed during the life of the loan. Thus, their principal and interest payment will remain the same. The comfort of knowing the loan terms will not change is the most popular reason, a fixed rate is chosen. With a variable rate loan, you risk having your increased mortgage payments when rates determined in the market place higher than what we had at the start of your loan. Historically, when you apply for a mortgage, variable rate loans are more attractive in the short term, since they often have a lower interest rate for the initial period. I refer to loans, called Hybrid ARMAS, usually have a duration of 1, 3, 5, 7, or 10 years when set the rate. After that period expires, the rate is subject to current market conditions (This is when the rate may rise or fall depending on the index underlying the loan.) Factors to consider before choosing a variable rate loan through the security of a fixed rate loan are: 1. How long you expect to own your current home? 2. What is the difference in your monthly payment on a variable rate verses fixed rate loan? 3. How prepare the funding to adapt to a rate adjustment, if you were to hold the loan beyond the initial fixed period?
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Who here thinks that any of these are high, mortgage rates, taxes, inflation, gasoline, GDP and income?
Feel free to add any financial factor that you think are high. I ask only one thing: please explain why you think you are high and above all, give a historical perspective. That is a fancy way of saying, are high compared to what or when? A difference is high because I do not like the price. Or, are high because I can not afford them. That sort of thing.
I'm not sure about mortgage rates (although house prices are historically high … that grew too fast and now we're seeing a correction to stabalize prices) and I really do not follow mortgage rates, but keep in mind that all my answers account of inflation … only a dollar not worth what it used to be a value. you must add the interest rates for bonds and short-term interest market rates as indicators / predictors. short-term rates are controlled by the SEC in an effort to avoid a recession (negative GDP growth) and growth positive GDP unsustainable leading to inflation. Short-term interest rates are high for the past few years, but historically low. the lowest is 0% … in fact it is used in extreme circumstances, such as the stock market crash of 1986 … worse than that caused the Great Depression. thanks, Allen Greenspan. has been around 20% in the past, when GDP growth was as high as in the 70's and early 80's. almost every single time, however, the Fed has held rates interest too high, especially in a recession. this is due mainly to the SEC looking at past data, when available, rather than to the future of data. Although taxes are low because the tax cuts (and are lower for everyone who pays income taxes … tax cuts "for the rich" is political spin), tax revenues at historic highs. See, when people and businesses have their own money to invest, the investment objective that are of benefit to people …. and businesses are earning more money today, which means that the government is able to take more even when rates are relatively low. inflation is low today … However, Bernanke, the current SEC chairman, is stubborn to admit the victory … is still low in recent history because it was much higher in 2000. Fed overreacted then raise rates above 6%, leading to recession ever heard of the Bush legacy when he took office. people blame Clinton … but it is practically all in the overreaction of the SEC for Greenspan. I think it is now less than 2% inflation and has been above to 4.5% in the last six years … and much higher in the 70's and 80's. Gasoline pump prices higher than ever. is higher this summer than it was immediately after Katrina, which is the first time that prices broke the previous record during the 1970 U.S. led oil embargo … that hurt the U.S. economy sending it into recession. the fact that we are not in a recession at these prices is another testament to the strength of the current economy. nothing can U.S. consumers stop it seems. GDP is pretty average today. It was as high as 4% in recent years that worries a lot because when the economy grows too fast, inflation rate increases to the problem. It is about 2% now, which is very nice. the economy is not too hot for inflation is a concern and not too cold that a recession is likely. and GDP is very strongly associated with short-term interest rates are controlled by the SEC, Historically, GDP growth is between 1% to about 5%. personal income has reached record highs. both mean and median incomes are higher than ever … ie, the average person earns more than ever, and the middle class earns more than ever. you should also consider unemployment rates are at minimum 50. We have about 4% unemployment which means 96% of the workforce is employed. ultimately, the economy is incredible at this point … but almost never hear of this media. I do not know if they do not want any credit given to this administration (the only thing that seems to have gotten right seems). trying to make us believe that we are in the crapper even though almost all numbers are better than those who have been in decades, if not better than never in the history of USA. you need big events like the Dow 13,000 and a new daily record maximum for most of the media to report on economic indicators good (it took years to get from 11-12, and it took only six months for the 12-13 … and we have more than 13.5 k. … we will be more than 14,000 sometime around the end of the year … and it is likely that if the Fed does what investors are asking and declaring victory over inflation as lower interest rates).
Money Management : How to Compare Mortgage Rates in Canada
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