Personal Finance

Personal Finance

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Small Business Loans? – Opt For Better Options!

Small Business Loans? – Opt For Better Options! Irrespective of their size and nature most businesses face financial crunch sometimes or the other in its lifecycle. These crisis situations become all the more important for small businesses because the banks and financial organizations are often ready to lend money to big business houses but not to the smaller ones. Beside, small businesses with their limited capabilities often find it overburdening to repay a bank loan. Small business owners have been…

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How to Pre-Qualify for a VA Loan

How to Pre-Qualify for a VA Loan The VA Guaranteed Home Loan Program has helped acquire home loans for veterans for over 70 years. The program has maintained its popularity, because it offers a number of benefits for military veterans and active duty service people. The process of applying for a VA home loan is slightly different than that of a conventional mortgage, but applicants can expedite the process by pre-qualifying for a loan amount. What Is Pre-Qualification? Pre-qualification is…

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Find Foreclosure Relief With a Mortgage Loan Modification

Find Foreclosure Relief With a Mortgage Loan Modification Anyone looking for foreclosure relief may qualify for a mortgage loan modification if they are at risk for defaulting on his or her mortgage payment, due to financial hardship. Luckily, this applies even in the case that you are receiving unemployment or going through a bankruptcy. Ultimately, a loan adjustment offers people an option outside of doing nothing. If you do nothing when you are not able to make your mortgage payments…

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Home Equity Loan Types

Home Equity Loan Types There are at least two types of home equity loans. The first is a term or closed end loan and the second is basically a line of credit. Most people prefer to refer to them as a second mortgage because they are secured against your home much like your first home loan or mortgage. Typically these types of home equity loans usually have a payback life of between 5 and 15 years. The term loan is…

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Get a New Lease on Life by Means of Direct Student Loan Consolidation

Get a New Lease on Life by Means of Direct Student Loan Consolidation Even the best laid plans can end up not working out at all. This simple truth also applies to student loans. Regardless of how much time and effort you spend on trying to plan out how you will pay off everything you owe once you have graduated, problems sometimes arise and ruin your plans, leaving you with defaulted student loans. The Direct Student Loan Consolidation Facility –…

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How to catch up on retirement savings in your 50s

If you’re nearing retirement age and your savings are looking a little sparse, you’re not alone. Forty-six percent of baby boomers don’t have anything stashed away for retirement, according to a study from the Insured Retirement Institute, which means nearly half of soon-to-be retirees need to supercharge their savings if they don’t want to work the rest of their lives. The bad news is that if you’re in your 50s and are just now starting to save, it’s going to…

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How can I protect my investments from inflation?

How can I protect my investments against inflation? Even as your investments increase in value, inflation can eat away at what they’re worth. There are things investors can do to hedge the immediate effects of inflation, or earn a return that outpaces inflation over time. But it can be hard to predict. “After-inflation returns are the only ones that matter for investors in the real world,” says Robinson Crawford, an investment adviser with Montebello Avenue. Even if inflation is currently…

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Think Credit Scores Do Not Apply To Young Adults? Think Again

Think Credit Scores Do Not Apply To Young Adults? Think Again By the time you turn 28, you will probably have a career and possibly a family. When you want to make big purchases like buying the car of your dreams or buying a house to raise a family, your credit score becomes more important than ever. Your credit score is also referred to as a FICO score and is typically a number between 300 and 850. Bank lenders who…

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Get To Know HSBC Online Banking Services

Get To Know HSBC Online Banking Services HSBC, known as the world’s local bank, is a global leader in banking and financial services. According to Forbes magazine, it is the second-largest banking and financial services group and second-largest public company in terms of composite measures as of 2011. It has approximately 7,500 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. HSBC is a universal bank that has four divisions or…

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Breaking Up and Banking

Breaking Up and Banking If you have any joint accounts with your partner then you'll probably need to see your bank and change them into single accounts. However, as this will involve splitting your assets, it's not something to be rushed into! Freeze joint accounts You may want to freeze your joint accounts to make sure your partner can not spend all your money, or rack up new debts on a joint credit card. By freezing the accounts when you…

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