Best News and Information

Best News And Information

Loan

 

Loan Knowledge Base

What loan companies will give you a loan for a motorcycle if your credit is really bad?

I helped an ex get a motorcycle and now need him to repay me. He needs to take out a loan and repay me or buy the bike from me. His credit is horrible...

Is student loan still tax deductable when refinancing a student loan with a personal loan?

My daughter has two very high interest student loans. Her credit won't let her do anything, but I can "refinance" it with me getting th...

What is the best student loan and how to get it?

What's a perkin's loan? What's a direct loan? Private loan? I don't understand the whole process! What loan would have the lowest inte...

If I consolidate my student loan with a personal loan can I still write off the interest?

I had a federal student loan which I consolidated about 8 years ago to someone who eventually sold that loan to Citibank. I pay about 8.35% in interes...

How does a home equity loan work?

I need to know all the details and if it is a good choice. I have payed off my vehicle and credit cards and have none, but I have alot of student loan...

Complete Loan Knowledge Base

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Debt

 

Debt Knowledge Base

debt?????????????

i am in like over $30,000 debt. is there anyway i could make money with out really budgeting? keep in mind that i own a store, so i have to buy items ...

How old does a debt have to be, before you are no longer legally bound to pay it?

I remember hearing once that a debt after a certain amount of years, is moot. Does it depend on the state where the debt occurred or you current state...

What is the most debt you have eliminated in a year?

I need some motivation people! I want to commit to reducing my credit card debt this year; but, it seems a bit overwhelming. Please share stories of h...

Can a debt continue to accrue interest after it has been sent to a collection agency?

I have a debt with a bank that went into default and is now with a collection agency. I've been told that the debt is continuing to accrue interes...

What is the difference between an overdraft and debt?

My husband has run almost £2000 overdraft and he says its not debt just an overdraft, nothing to worry about. I am worried sick and I still see i...

Complete Debt Knowledge Base

Home Mortgage

 

Home Mortgage Knowledge Base

Home mortgage?

I have a mortgage of $100,000, and I want to pay it off super fast, so Ive been selling heaps of stuff on E.Bay, and putting the cash straight onto my...

Mortgage on primary home to buy second home, can i deduct taxes?

my friend's primary home mortgage is paid off. she want to take a mortgage on the primary home in order to buy a second/vacation home. Can he dedu...

Which type of lending institution is better for a home mortgage; a mortgage company or traditional bank?

I'm not a first time home buyer. What are the pros and cons of using bank financing versus mortgage company financing to find the most competitiv...

What percentage of your net income should go towards a home mortgage?

Lets say you have $5000 coming in per month, how much is a safe amount to spend on a mortgage, while still saving some for car payments, other loans, ...

Can I get a home mortgage if I have a lot of student loan debt?

I have debt from school, but I am interested in buying a home. Would I be able to get a mortgage?

After closing on a home mortgage how long after the 3 day cancellation period may the lender delay payment?

I refinanced my home to get equity out of it. I closed on my loan and waited through the 3 day cancellation period. My new lender has excuse after exc...

Complete Home Mortgage Knowledge Base

Bad Credit

 

Bad Credit Knowledge Base

bad credit?

If I have had bad credit in the past, and I would like to apply for a credit card but have already been turned down by one, how can I get a different ...

I have bad credit and need financing for my business to expand? Does anyone have any ideas on how to do this?

Hello, I have a small residential and commercial cleaning business that I am looking to expand. I have been shopping around for financing through t...

How do I get a credit card with bad credit or no credit in Canada?

I have no credit, and my buddy has bad credit. We are going on a trip in a few months and need to apply online to get a credit card. Mastercard or ...

What is the difference between good credit and bad credit?

I have a lot of credit cards to pay and always make the minimum sometimes a little bit more then the minimum per month. But I don't know the diffe...

What is the best cellphone company for bad credit?

I have a friend with bad credit and she's tired of prepaids. She's trying to find a cell phone company that allows people with bad credit to h...

How do I get a Business credit card with bad credit?

I am trying to consolidate my bills and get my credit clear so I can start a business.I have very,very bad credit and I am tryiing to start a business...

Complete Bad Credit Knowledge Base

Car Insurance

 

Car Insurance Knowledge Base

car insurance?

I am an international student in US and I am going to buy a car. However, I don't know which insurance company has car insurance for international...

Car - Insurance?

I just sold a car. It has no insurance. The car is in New Jersey. It needs to get insurance in New York. Help?

Is it necessary to buy Rental Car Insurance even though i have my car insurance policy with me?

I have a car and have taken Auto insurance for it. Now my question is if i take a rental car, then my auto insurance policy for my car covers it or i...

How does the whole car insurance thing work?

I am a 19 year old boy. My parents are buying me my first car. It is a nice pre-owned car. How does the insurance for the car generally work? Is it re...

How does rental car insurance offered by credit card companies (when you use the card) work?

I have credit cards which say they cover me for rental car insurance when I use the card to make the full payment for the rental. How does that work? ...

Complete Car Insurance Knowledge Base

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Claims

 

Claims Knowledge Base

How to claims the deposited money in a bank?

I have a friend who's living in the one of the refugees camp in Africa, his parents died, but before that his father has deposited a sum of money ...

Should I claim my kids as dependents if my husband claims them?

I am going back to work after 10 years at home. We file taxes jointly. My husband claims 3 dependents. What should I claim? I am filling out Employ...

What are the territorial claims that Canada has on current US territory?

I was once told that Canada has territorial claims to parts of Michigan, Wisconsin, and Minnisota. I've tried to look this up, but found nothing ...

Will our current W4 exemption claims force us to pay back at the end of the year?

I am the top earner and I claim married w/ 2 exemptions. my wife claims married(withhold at the higher single rate) w/1 exemption. that being said...

What are some ways employers can prevent actionable claims of retaliation in the work place?

I am looking for ideas on how employee handbooks or policies can be revised or if there are some things employers can do to prevent actionable claims ...

How do I start a small claims suit without defendants current address?

I want to start a small claims suit against a guy that was making payments for a car I sold him. He has missed two payments and is no where to be foun...

Complete Claims Knowledge Base

Free Mortgage

 

Free Mortgage Knowledge Base

What are the tax benefits of being debt free (mortgage)?

We have 2 children and will be debt free by the end of March. What are the tax benefits. For example, mortgage write off verses increased taxes. Loo...

What is the most unusual way to live mortgage free?

We are renting and saving up for a house. We're interested in the best strategy to own a house mortgage free. We're open to modifying our life...

Can anyone explain the system in the book mortgage free for life, etc. book?

Has anyone read the book mortgage free for life - secrets banks and lenders dont want you to know? Is it a good mortgage system to get involved in? I...

Would you like Free mortgage advice?

Im a mortgage advisor i help people buy there dream homes (uk only)

Are there any free mortgage advicer training in the uk?

not necessarily free but they will fund your training and deduct it from ur salary after u qualify and find find a job.

What is an interest free mortgage?

I'm doing a project for school and all I get is interst only mortgages. I need to know what an interest free mortgage is. TIA

Complete Free Mortgage Knowledge Base

Refinance

 

Refinance Knowledge Base

refinance?

what are the steps and/or qualifications to refinance a used car?

How fast should i refinance my car loan?

Car loan is 17000 dollars apr is 17 %. Dealer told me that i can refinance in 4-6 months, but i think he lied to me. Bank told me that i can refina...

What are my chances to refinance if my home to value has droped amost to even money?

Wife and I purchased the home a year ago for 475,000 and currently owe 423,000. I hate to say but because of a devorce we have to do something about ...

Is it possible to refinance your home and include your car loans and credit card debt in the refinance?

With no money down? This is our first home and we've owned it for 4 years and looking to refinance.

Is it possible to refinance your mortgage to get caught up on bills and late mortgage payments?

we have tried twice to refinance our house through a bank in order to get caught back up on the mortgage payments that we are behind and to do some ho...

is it possible to refinance a heloc without refinancing your first mortgage?

I have a good rate with my first mortage at 4.25 fixed for 15 years. I also have a heloc that is adjustible and is at about 8.5 percent right. I wou...

Complete Refinance Knowledge Base

Home Equity Line

 

Home Equity Line Knowledge Base

Should I take out a home-equity line of credit to pay down my mortgage to eliminate PMI?

My husband and I are currently paying PMI (Private Mortgage Insurance) on our mortgage. (We have no second mortgages.) I know we need twenty percent...

Can you have a home equity loan and a home equity line of credit?

My husband and I have two mortgages (an 80% and a 10%). Our banker uses the term for the "second mortgage" interchangeably with a "home...

What is the typical point for a home equity line of credit?

Does anyone know the typical point for a home equity line of credit ? By point, I mean the up-front fee that is proportional to the credit limit. So...

Home equity line of credit: Can I use it for the down payment to buy another house, then sell the first house?

Hello everyone, I need to move to another location. Can I take a home equity line of credit on my existing house to pay for the down payment of a new ...

How find new home equity line of credit?

I have a home equity line of credit at 9%; I see them advertised at 7.5%. Any ideas on how I might find a better rate without closing costs besides j...

Your home will foreclose What will happen to the balance you have on your equity line of credit obtained from?

My friend has a home equity line of credit and plans to foreclose on his home. Will he be responsible to pay for his line of credit afterwards or will...

Complete Home Equity Line Knowledge Base

Subprime

 

Subprime Knowledge Base

Is subprime loan something new? is it invented relatively recently as a new financial product?

I am asking because I wonder why there's the subprime crisis all of the sudden. I understand that the problem is that subprime loan has variable i...

What caused the subprime mortgage crisis?

What caused the subprime mortgage crisis? In laymans terms please! It seems like it just happened overnight - why were the homes not appreciatin...

What kind of homes are most affected by the subprime problems?

Question Details:I live in Australia and would like to know what kind of homes in the USA are most affected by the subprime problems. My understand...

What are the disadvantages of subprime home loans?

I'm getting ready to buy my house. I know to do a 30-yr fixed rate. I'm just wondering what is the buzz about subprime home loans? It seems to...

How does mortgage fraud affects the subprime mortgage crisis?

In the actual Subprime mortgage crisis in the US huge amounts of mortgage frauds were discovered. What's the part that these frauds played in the ...

What is the effect of the current subprime market on long term interest rates?

What I mainly want to know is how the subprime housing market and the credit market are affecting the Long-Term Interest Rates. I know that Short -...

Complete Subprime Knowledge Base