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Advice on Getting Secured and Unsecured Personal Loans

Feb 12

Posted by Teasastips in sponsored post | No Comments

Personal loans provide borrowers with the opportunity to access funds for those areas in their life that need some assistance or where additional funding would work to their benefit. A secured personal loan is a type of personal loan that involves the borrower having to provide some type of collateral to the lender as assurance that they will repay the loan. This is due to the borrower falling into a high risk category. There are pros and cons to accepting a secured personal loan that we will explore further.

Bad credit loans with collateral can mean a variety of things. It can mean you have an unsteady income, including self employment where the amount of income you have coming in varies each month. While the lender can see you have an income source, it is not considered to be a reliable as getting a regular paycheck. The decision will depend on the regulations of the lender, length of time you have been self employed, and the loan amount you are requesting. There are bad credit loans with no collateral and these types of loans are available to you as well.

High risk in terms of a secured personal loan generally imply the borrower has either poor credit or has not established enough of a credit history for a decision to be made. Poor credit can be the result of poor money management or circumstances that took place in your life which you had no control over. Some individuals think it is very unfair to be penalized for not having an established credit history. I agree that it can be frustrating, because you can’t really be expected to establish a credit history if no one will give you credit.

In either situation, use the opportunity of a secured personal loan as a way to prove yourself worthy of lenders working with in the future. Your credit is an area that is going to make or break you down the road, so use your opportunities wisely. A secured personal loan that is repaid as scheduled or sooner can help you on the road to re-establishing your credit worthiness or start your newly documented credit history of to an amazing start. Secured personal loans can offer opportunities to those individuals who would not be eligible for any other types of loans the chance to have the funding they need.

On the flip side, secured personal loans can be risky. It is very crucial that you understand that risk. Since you will be required to provide collateral for the loan, any default could result in you losing your home, other property, vehicle, whatever it was that you used as collateral on the loan. While entering the contract of a secured personal loan, no one really anticipates the loss of their collateral. It can be very damaging to an individual when the lender comes to collect that collateral.

Bad credit personal loans with collateral can be a great means of generating necessary revenue for those in need. They offer an opportunity for individuals to establish or re-establish a good credit rating. However, caution should be taken to protect against losing the collateral for this type of loan from being lost to the lender. If you are eligible for an unsecured personal loan, it involves less risk though you will incur a higher interest rate.

Emergency Help – Payday Loans (yearn2blog.com)
Where To Get Personal Loans (personalloans.org)

Tags: business, Collateral, Credit history, Financial Services, Interest rate, Loan, Secured loan, Unsecured loan

Points, Closing Costs and Mortgage Rates, Oh My!

Feb 8

Posted by Teasastips in sponsored post | 1 Comment

: Image by TheTruthAbout… via Flickr

Thinking of buying or building that perfect home? Before you sign on the dotted line do some research into home loan interest rates and do the necessary inspections. Maybe even a Pest Inspectorwill be needed.

Home loan interest rates combined with your individual financial status determines how much you can borrow. This would have an impact on how much house you can buy. Higher interest rates would mean you may have to settle for a bit smaller home than you originally had planned.

One of the things that you may consider to lower home loan interest rates is to consider if you are willing to pay points or not. A point is 1% of the total loan amount. It is the up front fee that would reduce your monthly interest rate and the total amount of interest over the length of the loan. By paying points you are essentially buying your way to a better rate and trading between paying now vs. paying later.

Another factor to consider in regards to home loan interest rates length of loan. A typical 30 year mortgage will have a higher interest rate than that of a 15 year mortgage. The 30 year mortgage will have lower monthly payments but you would pay thousands of dollars more in interest rates over the life of the loan than that of a 15 year mortgage.

Also keep in mind your Closing Cost obligations, its best to get clarity on those with your lender at the beginning of the process.

One of the things I have benefited from in the purchase of a new home has been a New Home Warranty. A New Home Warranty helps cover typical repairs to plumbing, electrical and appliances. You never know when a furnace will go out!

When shopping around make sure you are looking at comparable points and rates amongst the different lenders. Do your homework, read, research, and compare. There are lots of credit programs out there, and finding the right one that fits you can be a daunting task. But, its worth it. Remember, a mortgage is a 20-30 year investment, make sure you have all the information you need to make a qualified decision.

Know How Much Your Home Mortgage Really Costs (homeloans.org)
Why Mortgages Will Get More Expensive (zillow.com)
How To Find the Best Mortgage Deal (howcast.com)
Market Trends: Mortgage Rates Remain Stable (hsh.com)

Tags: Add new tag, business, credit, Finance, Financial Services, Interest rate, Loan, Mortgage, Point

Good News 2010 Home Buying Tax Credit!

Feb 8

Posted by Teasastips in sponsored post | No Comments

If you thought you missed out on the First-time home buyers tax credit, you are wrong! The federal government has extended the qualification period to first time home buyers from January 1, 2009 and before April 1 2010 (with closing to take place before July 1 2010). Buying a home for the first time, results in an $8,000 home buyer tax credit. For the purposes of claiming the tax credit, the purchase date is the date when closing occurs and the title to the property transfers to the home owner. If you and your spouse claim the credit on a joint return (both of you must meet the income and past ownership criteria to qualify), each spouse is treated as having been allowed half of the credit for purposes of repaying the credit. So the total amount claimable is still only $8000 (up to April 30th 2010).

More specifically, the home buyers’ credit is available to qualified individuals who have a modified adjusted gross income (MAGI) of up to $125,000, or $250,000 for couples, up from $75,000 for individuals and $150,000 for couples under the original rules.

And not to exclude those current homeowners who are looking for a replacement primary residence there is also a $6,500 home buying tax credit (up to $3,250 for a married individual filing separately) under the new “long-time resident” provision.

Here are the rules: you must have lived in the same principal residence for a five-consecutive year period during the eight-year period that ended on the date the replacement home is purchased. This new rule also only applies to homes purchased after Nov. 6th 2009.

The 2010 Home Buying Tax Credit won’t last long, you’ve only got a couple of months left to meet the requirements. So, get out there and stimulate the economy and buy a home, after all home ownership is the American Dream!

Tags: 2010 home buyer tax credit, buying a home, credit, home, home buyer, tax

Yes Virginia Calling Cards Do Exist!

Feb 5

Posted by Teasastips in sponsored post | No Comments

: Image by ericthehalibut via Flickr

You know I hardly think about Phone Cards anymore. In my mind, everyone has a cell phone these days, I mean, let’s face it, phone booths are extinct in this country, and you can probably count on one hand the number of payphones in your neighborhood. But, recently when I took a train trip to Detroit, there was a two hour layover in Chicago and I wanted to check in with relatives to let them know everything was fine.

So, I whipped out my trusty cell phone, only to realize it was now roaming, and even though my calling plan doesn’t charge me roaming fees, whenever your cell phone is on roam, it eats up battery life with the quickness. Like a football team about to score, my battery was in the red zone and blinking frantically! Then I remembered a sweet deal I had in my purse.

Luckily for me I had just won a contest that rewarded everyone with Calling Cards. My life saving Calling Cards were in my purse. For those who know me, understand that my purse is like a jungle, everything lives in there! However, I had the presence of mind to file it away in my wallet, so it was easy access this time. Just by having it saved me from having to make a phone call with an already dying cell phone.

You may not have been fortunate enough to have won a calling card, but every since that incident at the train station, I have been noticing lots of International Phone Cards. Its as if my eyes suddenly navigate to them in stores, online, everywhere. Hopefully, you won’t have a situation like I did. But just in case, consider keeping Phone Cards in your wallet or purse.

Tags: calling cards, international phone cards, phone cards, telecom

Get One Month Free Web Hosting With Host Gator

Jan 31

Posted by Teasastips in social media, sponsored post | 2 Comments

: Image via Wikipedia

HostGator is offering one month free web hosting….just in time to let newbie bloggers get a head start on monetizing their blogs!

With thousands of web hosting companies in the market it can be difficult if not impossible to know which web site hosting companies truly provide an excellent hosting solution at an excellent price. When you have an established domain name with a good web hosting company, you can get reports on your traffic and which of your pages your customers are visiting most often, as well as many other statistics.

A web host company can charge you a fee for monthly service that ranges from $10 or $20 to the more expensive $50.00 per month. Host Gator is now offering 1 month of Free Web Hosting and that can come in handy for a blogger just getting started. That’s why the free month of web hosting is such a deal.

HostGator e-commerce and storefronts, wireless capability, blogs, forums, chats, online interactive helps and anything else you want to add onto your site.

Here are three of the most important attributes to look for in a web host company, all of which HostGator

1. Excellent Customer Support: Your hosting provider should be there for you 24/7 and give you instant access to the technicians you need to solve your problem. Ask them how long it takes for them to typically respond to your problem. A good test is to call them in the mid night to check if you get to a live, level 3 support.

2. A Sound Infrastructure: Check whether they offer a multi-homed network powered by multiple bandwidth providers to ensure redundancy. Some offer a 100% guarantee on its network availability or network uptime.

3. Financial Stability: If you’re running very critical operations, you can’t afford to be with a hosting company that may not be in business in a few months.

This is all you have to do take advantage of the 1 month of Free Web Hosting with Host Gator:

Step 1: Go to HostGator

Step 2: Click ‘Web Hosting’ link in navigation bar at the top

Step 3: Click ‘Order Now’ button for the Baby Plan (middle of page)

Step 4: Enter your existing domain or purchase a domain

Step 5: Use coupon CACTUS

Step 6: Calculate your total. It will come out to be $0.00!

1&1 Lost My Data and My Business (dmlabadie.com)
Hosting, Nameservers and Addon Domains (internetmarketingformommies.com)
How To Select Professional Web Hosting Company (slideshare.net)

Tags: Add new tag, business, Company, Domain name, Electronic commerce, Technical support, Web Design and Development, Web hosting service, Website

When You’re Down And Out, Health Insurance Is A Luxury

Jan 30

Posted by Teasastips in sponsored post | No Comments

: Image by Steve Rhodes via Flickr

Affordable Health Insurance for the Unemployed

Being unemployed can be a financial downside to say the least. You may be dependent on someone else to cover your daily expenses such as a place to live and food to eat. Health insurance is something that everyone needs and not enough people have available because of these other financial burdens. Any emergency such as a car accident or broken bone will require adequate medical assistance. What do you do when you don’t have insurance and can’t afford expensive medical bills? If you are unemployed, you need to find health insurance to prevent this from happening.

There are so many conflicting stories in the media concerning President Obama’s Health Care Reform Initiative, that sometimes its just as stressful getting some real answers. With the help of this article here is a little information to help clear things up.

COBRA is a law in which many people could be eligible to remain on an employer’s health insurance plan even after they lose their employment. The most ideal person for this coverage is someone who is between jobs and is not in need of long-term help. It can last at least a year to those who qualify, but the premium amount is still an expense that some unemployed individuals may not be able to take care of with their lack of income. If you are able to pay the premium and are eligible, COBRA will also cover your spouse and children who are dependent on you for insurance. The best way to determine if you could receive health insurance is to contact your local employer’s benefits department and fill out the required forms.

You can also shop around for typical health insurance. Texas Health Insurance Quotes are available for residents of San Antonio, Dallas, Houston and more. All the major carriers like Blue Cross Blue Shield of Texas, United Health One, Aetna are offered. By speaking with one of these insurance experts, you can get help finding the most affordable health insurance that will fit your specific needs. They know the rates of thousands of insurance companies and can fix you up with appropriate coverage for your specific needs. If you have a spouse or children, having health coverage is a necessity. Life is full of unexpected events and you cannot ensure that everyone will stay completely healthy until you have insurance again because accidents do happen. Finding an affordable coverage rate on your own can be a hassle. The experts at these companies are offering their assistance to you, often as a free service. Whether you need to find something short-term or for an extended period, they are qualified and dedicated to helping you.

If you find yourself unemployed at any time in your life, you are probably without health insurance. This can be a nightmare whether you have a family or not because medical expenses can put you into debt quickly. Luckily, there are ways of finding affordable coverage providers that can keep your health, as well as your finances, safe. A simple doctor visit can cost you significantly more money than it would with insurance. Do not let yourself become one of the many people who are unfortunately living life without proper insurance coverage.

COBRA: Adverse Selection in Action (seekingalpha.com)
FAQs about Portability of Health Coverage and HIPAA – Part 2 of 3 (slideshare.net)
Health Care Options For Uninsured 167 (slideshare.net)
Health care reform: What this freelance writer wants (trueslant.com)

Tags: Add new tag, Agents and Marketers, business, Consolidated Omnibus Budget Reconciliation Act of 1985, Employment, Financial Services, Health, Health insurance, Insurance

Health Insurance Reform Is On The Way

Jan 30

Posted by Teasastips in sponsored post | No Comments

: Image via Wikipedia

For the In-between Times: Short-term Health Insurance

When people think of health insurance, they think of traditional health insurance, with office visits, co-payments, and prescription drug coverage. However, such health insurance is not always available. Perhaps you are transitioning from one job to another; or maybe you are employed part-time or with a temporary agency that does not offer full health coverage; or you might be attending or just graduating from school. In these situations, traditional health insurance is sometimes not available. If you are unable to afford traditional health insurance but would like some coverage in the case of an accident or emergency, short-term health insurance is your best bet.

Short-term health insurance fills the gap in health insurance coverage that may come about for a number of different reasons, including those listed above. The idea of short-term health insurance is built into the name – it is a short-term solution offering short-term coverage, with the expectation that at some point, you will begin or resume traditional health insurance coverage. It is designed for those who would like some coverage in case of accident or injury and covers only emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care. Though policies vary, these are often standard in short-term health insurance coverage. However, short-term health insurance does not cover regular physician visits, nor do they cover pre-existing conditions. If you are looking for this sort of coverage, you should consider obtaining a traditional health insurance policy or looking into other options.

Short-term health insurance costs vary greatly; you will have a monthly premium, ranging anywhere from $25 to $100, depending upon the plan’s coverage and deductible, which often begins at $250 and can increase to $5,000. Most policies these days also offer a reasonable pay-out amount (often one or two million dollars). Policies allow you to choose coverage for specific lengths of time, from 30 days to 90 days or six months, but almost no short-term policies extend past one year.

How do you find short-term health insurance? It is not as difficult as it may seem. A simple Internet search will yield a number of companies that offer short-term health insurance coverage. Searching online will also give you the opportunity to compare different companies and different plans. Just be sure to research each of the policies carefully to understand your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.

Health insurance reform is on the way, but until it gets here, take a look at your options, Columbus Health Insurance.

Health care reform: What this freelance writer wants (trueslant.com)
Low Income Health Insurance (e-prescribe.biz)
State of the Union: Obama on ‘Health-Insurance Reform’ (blogs.wsj.com)
Prescription Saving Tips By Charles Myrick Of American Consultants Rx 098 (slideshare.net)

Tags: Add new tag, business, Financial Services, Health, Health insurance, health insurance reform, Insurance, Insurance policy, Pre-existing condition, Prescription drug

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Archive for category sponsored post

Advice on Getting Secured and Unsecured Personal Loans

Points, Closing Costs and Mortgage Rates, Oh My!

Good News 2010 Home Buying Tax Credit!

Yes Virginia Calling Cards Do Exist!

When You’re Down And Out, Health Insurance Is A Luxury

Health Insurance Reform Is On The Way

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