debt

Mint Money Audit: 4 Steps for Getting Out of Debt Once and For All

March Mint Audit: Samantha, mom of two, struggling to pay off $41,000 in credit card debt Samantha reached me recently to ask how she and her better half could squash their $41,000 in credit card debt once and for everyone. She works in as a media mentor for administrators. Her better half works for the Read more about Mint Money Audit: 4 Steps for Getting Out of Debt Once and For All[…]

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Insurance Policy

How To Revive Your Lapsed Insurance Policy?

In this era of frequent unhealthy situations and peoples’ pretentious concerns about leading a healthy life, insurances became a part of the monthly budget. Almost every joe signs up for some or other kinds of insurance policies. Most of the times, the medical insurance government offers won’t pay off the total sum of the hospital Read more about How To Revive Your Lapsed Insurance Policy?[…]

no credit score loans

How long collections stay on your credit score report

Usually, banks are the main loan lending organizations. Credit report offers valuable insights into your financial history which in turn decides your financial future. Usually bank sanctions loans on the basis of your credit history( CIBIL score). A Healthy credit report increases the chances of getting a loan. When the borrower misses the payment due Read more about How long collections stay on your credit score report[…]

interest rates

Interest Rates vs. APR: How Not Knowing the Difference Can Cost You

When you apply for a loan it’s tough to know the interest rates and the APR. In spite of the fact that you probably won’t recognize these two terms, they are different — and not knowing the distinction could result in your regular monthly scheduled installments being higher than you expected. Teaching yourself about interest Read more about Interest Rates vs. APR: How Not Knowing the Difference Can Cost You[…]

credit card debt faster

This repayment hack could help you knock out credit-card debt faster

Forget that base regularly scheduled installment. An expected report discovers buyers satisfied a greater amount of their month to month credit card balance when allowed to target particular buys on their statement for reimbursement. But specialists say there aren’t numerous instruments to do that specifically through your credit card issuer. A DIY approach would require Read more about This repayment hack could help you knock out credit-card debt faster[…]

tax-returns-2018

5 Important Things You Need To Keep In Mind For The 2018 Tax Filing

We are already into the third quarter of 2018, which means you should stay pretentious about the tax reforms of this year which are believed to be the fate-changing reforms in the United States history. With the advent of Donald Trump, various modifications were made to the strategies and other aspects of the finances. Now, just Read more about 5 Important Things You Need To Keep In Mind For The 2018 Tax Filing[…]

texas payday loan laws

Texas payday loan laws

Legal Status: Legal (Credit Access Businesses) Citation: 5 Tex. Fin. Code §§ 393 et seq.,  4 Tex. Fin. Code §§ 342.004 Loan Terms: Maximum Loan Amount: Not specified Loan Term: Up to 180 days for CAB agreement Maximum Finance Rate and Fees: No cap on Credit Access Business fees.  Lender interest capped at 10%. Finance Charge for 14-day $100 loan: No cap. Read more about Texas payday loan laws[…]

Washington payday loan laws

Legal Status: Legal (Lender must have a small loan endorsement to their check casher license) Citation: Wash. Rev. Code Ann. 31.45.010 et seq. Loan Terms: Maximum Loan Amount: $700 or 30% of gross monthly income, whichever is less Loan Term: Max: 45 days Maximum Finance Rate and Fees: 15%: first $500; 10%: remaining portion of the loan in excess of Read more about Washington payday loan laws[…]

Oregon payday loan laws

Oregon payday loan laws

Legal Status:  Legal (Lower Cost) Citation:   54 Or. Rev. Stat. § 725A.010 et seq. Loan Terms: Maximum Loan Amount:  $50,000 (Loan limit up to 25%of borrower’s net monthly income if earns $60,000 per year or less.) Loan Term:  31 to 60 days Maximum Finance Rate and Fees:  36% APR interest, one-time $10 per $100 of loan origination fee, up Read more about Oregon payday loan laws[…]