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Home > > Bank of america credit card warranty protection

Bank of america credit card warranty protection

Many people wonder if they can really afford to fulfill their dream of bank of america credit card warranty protection owning their own home, or how much of a home they could afford.

They wonder what a lender warranty credit card bank america of protection will look at in deciding how much of a mortgage they can get. If this is what you are asking, here are a few things to consider:1. First, a lender will look at how much of your monthly income before taxes is going into paying off debts. Frequently, they will use the 33/38 ratio. This sounds confusing but let me break it up simply: bank of america credit card warranty protection 33% of your income can go into housing costs (mortgage, insurance, taxes, etc) and 38% of your income can go into your regular consumer debts (loans, credit cards, car payments,etc.) Guidelines may be flexible or vary with different types of mortgages such as FHA & VA (veterans) mortgages.2. Lenders will only count income that can be documented on paper. This is based on your gross income before warranty bank credit of america card protection taxes. One shortcut way to calculate your monthly income is to add the last two years income on your W2's and divide by 24 (for 24 months). This should give you a fairly good idea of what your monthly income is. If you are receiving 1099 income or are self-employed, you will need tax returns from two years to document what you are earning.2

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Do you ever wonder where your money goes every month? Does it sometimes seem as though you cannot afford to do things because your financial obligations are holding you back? If you find that you are asking yourself these sorts of questions, perhaps you should take a look at your financial situation and assess whether you are practicing good personal finance management or not. Good personal finance management spends within their income, plan for the future and solve financial problems as they arise. Poor personal finance management pay more, do without and fall behind. If you find yourself in the second category, you can do something about it. You can learn to take charge of your finances by planning your personal finances.

Planning your personal finances doesnít always come naturally, and even if youíre just beginning to take your financial matters seriously, then you likely need a few personal finance tips.

Evaluate your current financial situation. One of the most important goals for most people is financial independence. Collect accurate information about your personal financial situation. Calculate your net worth which includes the real estate, saving and retirement accounts, and all other assets. This will help you decide how much money you can set aside for meeting future needs and goals.

A basic personal finance tip is to make a budget. A personal finance budget is information made up of your income and expenses and the more accurate this information is, the more likely you are be able to meet your goals and realize your dreams. A personal finance budget should be made for at most one year at a time and include a list of your monthly expenses.

All expenses must be included. To be sure of that go through all your paid bills, check register and credit card receipts to find expenditures that recure every month and expenditures that happen less frequently. Personal finance budgeting requires some small sacrifices. To be able to make good personal financial decisions and set priorities, you must know where your money is actually going. Start your budget and accomplish your goals.

Get an electronic bill pay. This is a very convenient way to pay your bills. You pay them electronically, by direct withdrawal from your bank account. The transaction is processed immediately. You can even link your bill pay service to your personal finance budget, so that your expenditures are automatically entered in the appropriate category. Personal financial management can be really easy.

Make an investment and finance plan. Now that the fundamental state of your personal financial security has been established, the time has come for the more prosperous part of your personal financial life. You need to make a personal finance plan of what you really want in life that money can buy. Your personal financial plan can be as simple or as detailed as you want it to be. Find out how to finally start to implement this plan and get the money to finance it. This is the long term part of your financial. This journey is the most interesting and exciting part of personal financing you can have toward financial freedom.

You can prepare for a secure personal financial future by following these simple tips. When you take control with your money, you donít have to worry about debt taking control of you.

There was a time when people used to save money from their salaries to build up finances for realising their dreams, but now the modern age man believes in materialising all his dreams as quickly as possible. The easy availability of credit has facilitated this change. So if you dream of driving the best car in the globe then a car loan can help you make your dream come true.

A car loan is given by a lender to purchase a car. There are two options available to you for car Loans. You can either go for a secured car loan or you can opt for an Unsecured Car Loan. If you choose a secured car loan youíll be charged with low interest rate. The APR percentage will be low. Also, the monthly installments will be small and the loan repayment period will be flexible according to your affordability.

On the other hand, an unsecured Car Loan will have a bit higher rate of interest in comparison to unsecured car loans. The monthly installments will be bigger unlike in the case of secured loans. This is because an unsecured loan is approved without any collateral whereas a secured loan is provided against collateral.

With the introduction of Internet and online shopping, procuring a car loan has become easier. This requires not much effort from your side, as you just have to fill up an online loan application form to apply for the loan. The lenders will take care of all the arrangements and formalities required in procuring a car loan. So, if you need a car loan donít wait anymore. Sit in front of your computer, find a good creditor by exploring the market online, choose a loan which you wish to avail and fill up the form.

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