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Reduce Debt And Gain Financial Stability With An Unsecured Debt Consolidation
Selling your home yourself can save you thousands of dollars in commissions. However, that doesnt mean you should necessarily do it for the following reasons: Just Suffered A Major Trauma People who have just gone through an event which changed their lives in a negative way are also apt to benefit from working with an agent instead of selling their homes as FSBOs. You arent likely to be your usual calm, clear thinking self if your husband or wife just died, for example. The same thing is probably true for people who are selling and moving because they have been diagnosed with a life threatening or debilitating disease. Divorce also makes it hard to function as well as normal for a period of time. Anything which really rocks your world in an unhappy way just before putting your home on the market is an indication that hiring a good agent is probably a positive move for you to make. You Need Someone to Blame Some people are very independent. They weigh the pros and cons and make decisions quickly and easily. Occasionally something goes wrong. They just chalk it up as a learning experience and move on. At the other end of the spectrum are folks who agonize over decisions, cannot stand to make a mistake, and must have someone to blame if something goes wrong. With my apologies to real estate professionals, these people will probably be better off working with an agent. An experienced agent cant always stave off problems, but she (or he) has probably solved similar problems and is likely to be able to help you solve yours. If either of these situations describe you or your situation, going FSBO is probably not for you. Reasons Not To Sell Your Home Yourself
So you have finally purchased that 19th century farm house that you have always pictured yourself living in the problem is how do you finance the restoration? It is easy to get mortgages for the value of the home even a little extra if you have a good credit rating but today a renovation can cost more than the original purchase price of the property. The first option s to look at your available assets. You can get a home equity loan if there is any equity in your house. Use your credit cards for short term renovation or borrow money from your parents these ideas are only usable in a short term renovation once the renovations completed you should be able to refinance your home and pay of the relatives, high interest credit cards and roll your home equity loan into your mortgage. You may be able to get a line of credit a line of credit is usually easy to get up to $30,000.00 with out much effort and with a minimal amount of paperwork these lines of credit are good for short term renovation that are under the $100,000.00 dollar mark. The interest rates tend to be on the high side but you can draw out the money as you need it and only pay interest on the cash that has been withdrawn and again once the renovation is completed you can refinance and pay of the line of credit and combine all your loans in the mortgage. Depending on the scope of your renovation you may be eligible for store loans and credit card offers. Many home stores now have their own credit cards they offer deal such as interest free credit for one year you may be able negotiate a longer term. The important thing here is to pay off the loan/credit card prior to the free period expiring otherwise the interest will revert back to the initial purchase. Some stores will also offer you a interest free construction loan for your project the terms of these construction loans vary from store to store read the fine print carefully like the credit card deals these usually have a time limit. Again one the renovation is completed you can refinance and pay off the loan avoiding high interest dept. Construction loans are generally reserved for larger projects this kind of loan is a short term loan the money can be taken as needed and interest is paid on the money that has been taken out. Almost everyone now offers construction loans this completion has brought the costs of these loans down. The nice thing about construction loans is that you can withdraw the money as you need it once the renovation is done you can refinance and have one closing and one mortgage. One thing you should keep in mind when shopping for a construction loan is the fees and finance charges as always keep an eye on the fine print for hidden charges. 4 Ways To Finance That Renovation
Having no credit doesnt have to keep consumers from getting a credit card. There are several options for consumers with no credit to get a credit card. Its becoming increasingly difficult to function in todays society without having credit. However, when you dont have credit it can also be complicated to obtain a credit card. Credit card companies need to check your credit history to determine whether they should extend credit to you. When you do not have a credit history, the credit card companies have no way of knowing if you are a credit risk. Even when you dont have a credit history, there are some ways you can obtain a credit card. The bank or credit union where you have your savings or checking account is a good place to go to apply for a credit card when you do not have established credit. If you have income and have not bounced any checks, you have an excellent chance at getting a credit card from your bank. Since you do not have credit history, you will most likely start out with a low credit limit. Once you begin to make purchases with your credit card and make timely monthly payments, you can negotiate a credit limit increase if your card issuer does not give you one automatically. If you are not able to get a credit card from your bank, you have other options. Store credit cards and gas credit cards are much easier to obtain than some other credit cards. Again, you will not start out with a very high credit limit, but if you make your payments on time, card issuers will increase your credit limit. A secured credit card is another option for consumers that do not have credit established. When you have a secured credit card you make a deposit into a savings account. The amount of your deposit will dictate your credit limit. Since you have made a deposit against the credit card, the creditor does not have any reason to deem you as a risk. In the event that you do not pay your credit card bill, the creditor uses the amount of your deposit to pay the credit card balance. Many credit card issuers offer the option to upgrade a secured credit card to an unsecured one after a certain period of time. If you go the route of a secured credit card, one that can be upgraded is a better choice than one that cannot. You should also find out how the credit card is reported to credit bureaus. Some secured credit card issuers report the credit card as being a secured credit card which can raise a red flag in the eyes of future credit. When you choose a secured credit card make sure it is one that reports as if it were an unsecured credit card. No Problems Getting Credit Cards With No Credit
Classic car insurance for young drivers in USA is a rather difficult thing to obtain. One of the main reasons for this is that young drivers are generally more prone to getting into accidents, and therefore the insurance company takes on a lot of risk by insuring them. One of the best ways to obtain this classic car insurance cheaply is to simply go on your parents policies. Just about all the time, insurance companies will offer you insurance at a much reduced rate with this option. Getting insurance at a young age is already expensive enough, and you certainly dont need to make it even worse by getting your own insurance and pay even more. However, there are some cases where it is not possible to obtain classic car insurance for young drivers through your parents policies. In these cases, you will need to get your insurance on your own, and often times pay a much higher price. Even so, however, here are some important tips and strategies you can certainly follow to avoid breaking the bank. First of all, look for a plan that offers car insurance at a reduced rate to younger drivers. There are many classic car insurance plans available nowadays designed specifically for younger drivers, and you can get insurance much cheaper through these. Also, check into any discounts that the classic car insurance company you are looking into may offer. Many of these will give you much cheaper insurance for good driving records, taking a drivers education course, etc. Also, the kind of car you drive will play a big factor. For instance, if you just need that sports car, keep in mind you will end up paying a much higher amount for your classic car insurance because sports car drivers are much more likely to get in accidents, and more expensive accidents at that. Also, sports cars are generally targeted much more by thieves. Another thing you might consider is to buy an alarm system for your car. When you have this, most insurance companies will knock your insurance down some more because the car is less likely to get stolen. Some other factors that will affect how much you pay is the location you live in and how often you plan to drive the car. Obviously, the more you will be on the road, the more likely you are to be in an accident. Therefore, while there may not be a whole lot you can do about this situation, at least try to stay off the road as much as possible, for maximum savings. Remember, no matter what your situation, you certainly can get your classic car insurance policy cheaper by doing a few simply steps. By simply doing some ore even all of the above steps, your insurance price will be dramatically less than it otherwise would. Therefore, try to find a more ordinary car in order to save money. Hopefully, these tips will help you save a good deal of money on your classic car insurance for young drivers in the USA. Classic Car Insurance For Young Drivers In Usa
When its time to select a low rate personal health insurance plan, we all know were supposed to shop around. Search for the plan that offers the coverage you need at the price you can afford, right? Right. But there are additional ways to find low rates on health insurance. Selecting low rate personal health insurance is a breeze when you know how to cut corners. Dont misunderstand; you never want to risk your health to save a few bucks. However, there are ways to cut corners without endangering your care. Ask yourself the following questions: How attached am I to my current doctor? A Health Maintenance Organization (HMO) generally has cheaper personal health insurance rates because the doctors, hospitals, and other health care professionals in their networks are contracted. They provide certain kinds of care for a certain amount of money, which means both the HMO and the doctor can afford to charge you low co-pay. Sure, you may have known your current doctor since he was treating you for chicken pox many moons ago, but he may not be included on the list of doctors an HMO provides. How is my current state of health? If youre in your 20s or 30s, have no children, and have no pre-existing health conditions, consider a personal health insurance plan that covers only catastrophic events. While this does mean youll have to pay for routine visits, you wont have to pay for major injuries caused by a car accident. Purchasing such a major medical play is a great option for young, single folks who may be just entering the work force or going through some temporary financial strain. Exactly how much can I afford? If you cant afford to pay monthly or yearly premiums for personal health insurance right now, you may want to look into subsidies. Contact the Bureau of Primary Health Care for federal- and state-subsidized health care sites. How To Select Low Rate Personal Health Insurance
When your child begins college, they are bombarded with any number of offers and good deals, but one that many students are particularly interested in is the student credit card. These credit cards, offered by most major credit card companies, provide a slightly different package of offers than mainstream credit cards. But the end result is the same your student can use the cards for a wide variety of expenses and possibly even earn rewards or cash back bonuses. What makes a student credit card different? Depending on the issuer, there can be a wide array of differences between the cards that are designated for students and those that are sought by others. Lets look at a few crucial differences: The interest rates are often lower There is usually no minimum income (and no cosigner either) Rarely are there any annual fees The cards are usually fairly easy to get, provided your student hasnt encountered any troubles with credit before The credit limit might be lower than a regular credit card, at first. But once the student has established themselves as a responsible creditor, the limit will usually rise accordingly Its unusual for students to have to seek out these credit cards. Credit card company representatives often appear on college campuses, particularly at the start of each semester, and offer freebies or other incentives if the student simply applies. And heres where the trouble comes in. Many students, who before have never had credit, often apply for more than one card, get approved for more than one card, and quickly find themselves in debt. This can be dangerous; to think of a student falling into debt before even graduating college, but its fairly common. If your student is heading off to college, you can give him or her some tips for using a student credit card. These might include: Only use the card for necessities, not for party supplies or dining out. Pay the bill in full each month (you might want to oversee this for a few months to make sure your student is being responsible). Remind them that if they pay the bill late, they might be hit with a higher interest rate. Try to discourage them from applying for credit cards simply because they want the freebie whether thats a Frisbee or a gift certificate for dining out. Teach your child some basics of good money management Now, if your student is willing and able to handle the credit card responsibly (or you plan to pay the bill), there are many advantages to acquiring a student credit card. In fact, for many students, using the student credit card will be preferable to using a standard credit card. The advantages include: The lower interest rate can mean slightly lower payments if you must revolve the balance for a month or more. Getting a credit card in their name can give many students a sense of independence and responsibility. Students have the opportunity to develop good credit habits and a good credit rating before they even graduate college. If youre the parent, it can give you peace of mind to know your student has a credit card to use should an emergency arise. If you acquire a credit card that offers rewards, your student can use the card to purchase books, groceries and other supplies and quickly earn rewards. You can keep your students credit use separate from your own, since no cosigner is necessary. Should Your Student Get A Student Credit Card?
This third article by Absolute Futures will show how many bushels of Corn are required to produce just one gallon of ethanol. This will definitely impress upon anyone who trades the commodity corn, how Ethanol production impacts the total supply of Corn available for live cattle feed, as well as, other domestic uses. Each bushel of corn can produce up to 2.5 gallons of ethanol fuel. Only the starch from the corn is used to make ethanol. Most of the substance of the corn kernel remains, leaving the protein and valuable co-products to be used in the production of food for people, livestock, feed, and various chemicals. For example, that same bushel of corn (56 lbs.) used in ethanol manufacturing can also produce the following products depending on the process used to produce Ethanol. Ethanol is produced from corn by using one of two standard processes, wet-milling or dry-milling. Dry-milling plants cost less to build and produce higher yields of ethanol, but the value of co-products is less. The wet-milling process produces 31.5 pound of starch or 33 lbs. of sweetener, or 2.5 gallons of Ethanol fuel and 12.4 lbs. of 21% protein feed and 3.0 lbs of 60% gluten meal and 1.5 lbs. of Corn Oil and 17 lbs. Of Carbon Dioxide. The dry-milling process 2.5 gallons of Ethanol fuel and 15 lbs. of brewer yeast, 10 eight oz. pkgs. of cheese curls, 1 lb. of pancake mix, 22 lbs. of hominy feed for live cattle, 0.7 lbs. of Corn Oil, and 17 lbs. of Carbon Dioxide. One of the most controversial issues relating to ethanol is the question of net energy of ethanol production. According to the Institute for Local Self Reliance research in 1995, the production of ethanol from corn is a positive net energy generator. If corn farmers use state-of-the-art, energy efficient farming techniques, and ethanol plants use state-of-the-art production processes, then the amount of energy contained in a gallon of ethanol and the other co-products is more than twice the energy used to grow the corn and convert it into ethanol. Bushels Of Corn Required To Make A Bushel Of Ethanol