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Home > > Bankruptcy forum loans after discharge review

Bankruptcy forum loans after discharge review

When shopping around for a credit card, it is very important to understand the terms and fees that each card offers in order to make an informed decision regarding the best credit card for you.

Because these terms affect your overall cost, it is important to compare the terms and fees of various cards before opening an account. Annual Fees These are the annual membership fees, or participation fees charged by some card issuers. They can range from $25 up to several hundred dollars. Annual Percentage Rate (APR) The annual percentage rate, or APR is the cost of credit as a yearly ratebankruptcy loans after forum discharge review . By law, this rate must be disclosed to all applicants of a credit card. This rate is often variable, meaning that it can be raised or lowered depending upon the performance of the index, or econonmic indicator, that it is linked to. Balance Transfer This is the process of transfering an unpaid credit card balance from one card to another. Often the card receiving the balance will charge the card holder a balance transfer fee. Cash Back Some credit cards offer cash back incentives to the card holder. These offers usually mean you will receive some percentage of the total amount charged to the card monthly, quarterly, or annually. This percentage may be paid to you by check or may be reflected on your account as a credit. Grace bankruptcy forum loans after discharge review Period This is the period of time offered by some cards that allows the card holder to pay the balance in full without accruing any interest charges. If your card does not offer a grace period, then you may be paying finance charges from the date the card is used. Introductory Rate Credit cards often offer special "introductory rates" to new card holders. These rates may be as low as 0% for a specified period of time. After the introductory period ends, the annual percentage rate will increase to the cards regular ongoing rate. It is important to know what this rate is as well as how long the introductory period lasts prior to applying for one of these cards. Transaction fees Some credit cards will charge additional fees for transactions such as cash advances or balance transfers. Late fees may also be applied when a payment is received after the due date.2

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If you are currently in the market for a new home, perhaps you have considered manufactured housing. What is a manufactured house? It is typically a home that is built completely in a factory (commonly known as a mobile home). When it is finished, it is moved to the site where it will be installed.

One of the biggest cons to buying this type of a house is that you can almost never get a traditional mortgage. Lenders do not like to finance these types of houses as they could be moved at any time. Also, it is hard to build equity in a manufactured home (for reference, equity is the property value minus the debt). Many owners of manufactured houses do not own the land their house is sitting on, and land is a big part of equity. Manufactured houses simply do not tend to go up in value. They are also geared towards lower income levels, and sometimes there are inferior building materials used. These are a few of the reasons why it is hard to get a traditional mortage on a manufactured home.

The pros are that manufactured houses are very affordable, and provide people without a lot of income with a way to own their own home. More and more people are buying manufactured homes and permanently installing them on land that they own. Because of this sometimes they are able to qualify for a traditional mortgage.

If you are planning on considering a manufactured home, arrange for your own financing (do not necessarily go with the offer the seller of the home will try to talk you into). You will usually get a better deal arranging for financing yourself. Lots of financing tips are available on Also, avoid "all in one packages" that include everything (installation, financing, home-site, etc). You can get a more competitive price on your home by shopping for just the home. Try to find a good site to install your home on, before you buy the home. Also, consider buying rather than renting the site where your home will be.

Manufactured homes have both pros and cons, and are often a good housing solution. Just be sure you get all the facts and options before you sign any contracts.

What is it?

When you consolidate student loans, you bundle all federal student loans that you receive to finance your college education into one. When a new loan is issued, the lender pays off the outstanding balances of the loans you consolidate. In short, it is a practical repayment management option for students.

Why Consolidate Student Loans?

People consolidate student loans to lower their monthly debt. When you consolidate, your original loan amount is paid off in full in return for a new loan for the combined balances. This new loan will have lower interest rate that is fixed for the life of the loan.


When you consolidate student loans, you could reduce your monthly payments by upto 54 percent. Other advantages include reducing your interest rate by 1 percent after you maintain your on-time payment record for a certain period. Also, there are no pre-payment penalties on consolidated loans.

Final Say

Once you consolidate your student loans, it is gone and there is no going back. You can also consolidate only once. So, be sure that you make the best Financial move that you can make before plunging ahead.Also remember that you need to research a bit to find the best service that can be the most beneficial one for you.

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