@theartofmadeline
#extradirty
pixel skylines
dirt enthusiast
hello vonnie
he wasn't even looking at me and he found me
AnasAbdin
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Sweet Seals For You, Always
cherry valley forever
Origami Around
Claire Keane
almost home
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❣ Chile in a Photography ❣
Product Placement
Keni
I'd rather be in outer space 🛸
PUT YOUR BEARD IN MY MOUTH
$LAYYYTER
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@alliedca
50 Smart Money Moves
1. Decide on financial goals. For some people, there’s nothing more appealing than saving for a three-bedroom house with a white-picket fence. Others dream of taking a trip around the world or a sabbatical from work. Choosing your own personal money goals…
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How to Make Sense of a Credit Card's Terms and Condition
A zero percent introductory interest rate sounds great. So does a juicy rewards program. And who couldn’t use a sweet $100 sign-up bonus? We’ve all seen credit card commercials touting such offers, but most close with those dreaded words: “terms and…
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Stop Keeping Up With The Joneses - They're Broke
It used to be that spending money on status symbols for the sake of flaunting your wealth was an activity reserved for celebrities and millionaires. That has all changed. Conspicuous consumption, what was once referred to as “keeping up with the Joneses”,…
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How Interest Rates Affect The Housing Market
Mortgages come in two primary forms, fixed rate and adjustable rate, with some hybrid combinations and multiple derivatives of each. A basic understanding of interest rates and the economic influences that determine the future course of interest rates can…
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Why You Shouldn't Worry Too Much About New Student Loan Rates
A new federal loan interest rate went into effect on Monday, doubling from the previous rate of 3.4% to 6.8%.
In 2007, the College Cost Reduction and Access Act sought to lower rates on subsidized Stafford Loans for four years. After the four years were…
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How Your VantageScore Credit Report Is Calculated
Since the 1970s, credit scores have played an increasingly vital role in the lending industry. Fair Isaac and Company began assigning credit scores to consumers based upon various factors over 40 years ago, and these scores are now reviewed not only by…
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What the Doubling of Student Loan Interest Rates Means for You
The fact that Congress failed to act on student loan rates does not mean the world is ending.
Nor does it mean you will now go bankrupt or have to sell all your worldly possessions in order to pay back the money you borrowed for college. In fact, if you…
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Should You Close Your Credit Card?
With ever-rising prices and credit card interest rates, more consumers are trying to limit their debt by closing credit cards. Besides the need to limit debt, there are many other reasons for closing a credit card account, including high interest rates…
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How Credit Cards Affect Your Credit Rating
“I tell you Doris, he was making $150,000 a year and had been working at the same place for a decade and they wouldn’t approve his loan! They told him straight up that no credit history means no loan – all because he didn’t have a credit card.”
It has…
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In Over Your Head? The 5 Dumb Moves That Can Make a Debt Problem Worse
If you’re struggling with too much debt, you’re not alone. It seems as if the whole nation has a borrowing hangover. For years, credit was easy and many people became overextended. But, we now live in an era of austerity and it’s time to get our affairs…
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3 Easy Ways To Improve Your Credit Score
If you’re strapped for cash and having trouble making ends meet, improving your credit score may be the last thing on your mind. However, it’s a worthy goal because it can help you get lower interest rates and improve your financial situation down the…
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The Importance Of Your Credit Rating
People have become increasingly dependent on credit. Therefore, it’s crucial that you understand personal credit reports and your credit rating (or score). Here we’ll explore what a credit score is, how it is determined, why it is important and, finally,…
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Definition of 'Debtor'
A company or individual who owes money. If the debt is in the form of a loan from a financial institution, the debtor is referred to as a borrower. If the debt is in the form of securities, such as bonds, the debtor is referred to as an issuer.
Investoped…
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FICO & FAKO Credit Scores
The lingo used to talk about credit scores can be confusing. On any given personal finance website or in any given book, you might see the term credit score. Or you might see FICO score. Then, there’s the newer VantageScore. Still, there’s another credit…
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5 Ways to Prepare for a Credit Check
The list of businesses that do a credit check is continually increasing. These days it seems like everyone is doing a credit check from banks to landlords to employers and even insurance companies. Before you put in an application, there are some key…
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How To Read And Understand Your Credit Report
Your credit report contains a wealth of information about your financial actions. If you have credit or loan accounts, those accounts, and how you pay them, are included in your credit report. It’s important to review your credit report at least once a…
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How long until an item shows up on my credit report?
Answer: It depends. It’s not the best answer, but it’s the most honest one. Whether something shows up on your credit report and when depends on when the creditor or lender reports it to the credit bureau. Some businesses don’t report to the credit…
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