Credit Card Offer
HomeContact UsTerms & ConditionsPrivacy PolicySitemap



Airline rewards MasterCard
Auto rewards MasterCard
Cash rewards MasterCard
Gas rewards MasterCard
Hotel rewards MasterCard
Retail rewards MasterCard
Travel rewards MasterCard


Low Interest Rates MasterCard
Low Intro Rates MasterCard
No Annual Fee MasterCard
Fixed Rates MasterCard
Business MasterCard
Poor Credit MasterCard
Pre-Paid MasterCard
Regular MasterCard
Secured MasterCard
Student MasterCard
Chase reward MasterCards

Home > > Low apr switch

Low apr switch

A fixed rate home equity line of credit gives you easy access to low interest credit. It low apr switch also provides you with stability, helping you know how much your rates will always be.

The greatest savings can be seen over time if rates increase. So, even if you don't plan on using that credit line now, it may be a good idea to keep it open for the future.Easy Access to Low Interest Line of CreditWith your home's equity as your collateral, you can qualify for low rates with a home equity line of credit. Compared to other sources of credit, you will find it hard to secure a better rate on credit, and interest apr low switch paid is deductible from your taxes in most cases.Unlike an equity loan, you can access your credit when you need it. Usually a debit-like card is issued to you from the lender. You can use it like a credit card.Fixed Interest Rates Offer Long Term StabilityFixed rates provide a borrower with stability, always knowing what their rates will be. This is especially good when rates are low. However, adjustable rates may initially be low. In some cases, rates can even drop.Fixed rates are for those that want the security of a permanent rate. While not without risk, fixed rates can give peace of mind. Remember too that with most lenders you can either convert or refinance your line of credit to an adjustable rate in the future.Long Term Savings with a Fixed Rate Line of Credit For long term debt, a fixed rate can potentially see an interest savings for borrowers. By locking in a low rate now, you will see a savings if rates rise. Over the long term, this could save you some significant cash.With a line of credit, you don't have to use it. So if rates are significantly low, consider opening an account to use in the future when/if rates are higher. You always have the option of closing the account if rates are high and opening one with lower rates.Before applying for credit,low apr switch be sure to compare both rates and fees to find the most competitive financing package.2

Apply now Back


When trying to invest in stocks there are two primary ways; mutual funds and individual stocks.

Mutual funds are a way of investing in a set of stocks with a single purchase. Mutual funds have several advantages:
Simple diversification, get many different stocks with a single purchase. Purchase different types of funds to get coverage over different financial segments. Does not require you to research your own stocks. Get professional money management without the pricey broker fees.

Unfortunately not all about mutual funds is good. There are also several disadvantages:
Often mutual funds are not as diversified as one thinks. Most mutual funds only cover a very small financial segment. e.g. The S&P 500 is one of the most popular indexes tracked by mutual funds. It has 500 stocks, but it really only tracks a very small financial segment (very large US stocks). The vast majority of mutual funds underperform the index they track (~80%). This is because as with all things about half actually outperform and half underperform, but because you have to pay fees a larger percentage end up underperforming.

In my experience mutual funds are good for people who don't have the time/desire to research their own stocks but still want to invest in stocks. And for the vast majority of those folks an index fund is the best way to go as it allows you to track the index while having the lowest possible fees.

But for those with the time and desire to try to beat the indexes' returns they would be much better off researching and picking their own stocks. The advantage the individual investor has is they do not have to try and perform for their investors, which causes them to do things that may not actually be the best money making choice. i.e. They may need to sell certain stocks to lock in profits to show on their annual reports.

If you are interested in trying to invest in individual stocks your first step is to find a discount broker. As with mutual funds one important part to being successful is not getting drug down by fees. You will need to find a broker with a good price, but also with the kinds of features you're interested in. Many brokers offer research and help finding stocks. Start by comparing different brokers and trying to find the one that best fits your needs.

Investing in stocks incurs more risk, you may lose money on your investment. Please contact your financial advisor before changing any of your current investment strategies.

Written by Mark Reynolds, president Gotta get my info. You can find more about stocks and all things financial at the Finance page at Gotta Get My Info.

(Authors permission is granted to share this full article with others. Just leave the signature line intact, please.)

Homeowners may consider taking out a loan against their home to improve the equity not realizing
that the equity has increased over the years. The market changing in innoticeable ways, including
increasing equity on homes. If the home is in a good neighborhood, the equity on the home is probably already in excellent standing; however, the homeowner may not be aware where he stands personally.

Lenders are crooks at times; and some lenders will send out contractors to prompt the homeowner to
increase the equity on his home by adding new additions. The homeowner is often instead persuaded what appears to be a good deal without examining the other options.

The contractor begins his journey to add the additions, and during the course of work, he stops forcing the homeowner to sign a series of papers, which the homeowner is not giving the time to read carefully. The homeowner finds later that he signed an agreement that increased his mortgage balance, interest and so forth and now his home is at risk. This can happen and it has happened.

If you own a home, be aware that some lenders are crooks out to take homeowners for a ride. If you are offered what appears to be a good deal, it makes sense to read any information carefully before signing the contracts. If someone unexpectedly comes to your home offering you a deal, then you should dismiss the offer and investigate the source.

Donít let the word investigate intimidate you, since the process is merely gathering information on a
subject and putting the pieces together to see if they fit. Home equity loans are designed to offer homeowners a way out when the mortgage payments are not affordable at the time; however, there are other solutions for paying off your home, so stay on top of things and research before you consider home equity loans.

Copyright 2007, creditmagik. All rights reserved!