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By Carrie Reeder

Home mortgage loans for people with poor credit are available at reasonable rates if you find the right lender. With some time spent online researching for low credit score lenders, you can base your financing decision on loan estimate numbers. Even with bad credit, you can find flexible terms, so you can find the right home loan for your budget.

The Role Of Low Credit Score Lenders

Low credit score lenders, also called subprime lenders, offer financing to those with scores of less than 650 at slightly higher than conventional loan rates. On average rates are 1% to 3% higher than ‘A’ rated loans, but expect to pay more if you have just discharged a bankruptcy or foreclosure.

Subprime loans aren’t restricted like conventional loans, so you have many more options with your terms. You can secure 100% financing, interest only loans, or a traditional fixed rate 30 year mortgage.

Unfortunately, there are companies that would take advantage of your financing situation by charging high rates and fees. You can protect yourself from these dishonest companies by comparing loan offers from several different companies.

Getting A Good Loan Estimate

The best way to find a lender is to base your decision on their loan estimates. Online lenders can get you mortgage quotes in just minutes, without having to access your credit report. Not only will you get information on rates, but also on closing costs and miscellaneous fees.

To get the most accurate numbers, request quotes on the loan amount and down payment you ideally want. Just remember that if you decide on different loan terms, you will need to ask for new loan quotes.

Timing Your Mortgage Financing

To give yourself enough time to find the best subprime lender, start searching for financing before you look for a house. By lining up your mortgage ahead of time, you’ll have a better idea of your borrowing potential. You will also be able to close the deal sooner on your new home.

Most online lenders can process your loan application in a few days, with funds available in two weeks. Your escrow company will handle the final disbursement of funds.

About the Author: Try using

abcloanguide.com/badcreditmortgage.shtml

for a

Bad Credit Home Purchase Loan

online.

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By Daniel Cunningham

Many investors just jump right in and then they make mistake after mistake costing them a ton of money. If you know what these mistakes are and you avoid them you will be way ahead of the game. This is why I decided to post Jim Cramer’s list of the 5 worst investment mistakes.

1. Buy and Hold isn’t a Strategy

The single worst and widespread mistake out there is Buy and Hold. Buy and hold is a thing of the past. Buy and hold isn’t a strategy, it gives you a false sense of security. When you buy and hold you think “my work here is done”, it’s an excuse to be lazy. It needs to be “Buy and Homework”. Listen in on conference calls. Check for Management confidence. You should be spending at least an hour a week studying, per stock.

2. Shoulda, Woulda, Coulda

If only I bought this or that. Don’t dwell on missed opportunities or bad mistakes. When you can’t get over your mistakes it becomes counter productive. Being an Investor is emotionally brutal. You have to be tough minded. Focus your time on making good decisions in the present. Learn from your past then move on. It is our nature to regret mistakes, but overdoing it won’t get you anywhere. Don’t let it throw you off your game. This is what really separates the good investors from the bad

3. Tips are for waiters. Not for Traders

You can get great stock tips. These are the ones from insiders who actually know company’s future moves. These types of tips are illegal. The other types of tips are usually from someone who has an agenda. If someone wants to give you a stock tip it should send up a red flag. That being said there is a difference between a “stock tip” and a company that does the homework for you and gives you recommendations.

4. Lack of Diversification

Diversify. Diversify. Diversify. Don’t keep your entire portfolio in one sector. You should not have more than 20%, even in a very hot sector. Remember the tech bubble. Enough said.

5. Buying your whole position at once

Sometimes you are your own worst enemy. In these times you need rules to suppress your instincts. Arrogance is a sin that will cost you a lot of money. Buying your whole position in a stock at one time is the most arrogant thing one can do. When you buy your whole position at once you are saying “this stock is not going any lower from this point on.” That is arrogance. Build a position over time, not all at once. Patiently wait for good entry points. It’s hard to time stock perfectly…Yet another reason to buy slowly.

Summary

Investing in the market takes a lot of time and discipline. Following these rules will save you a bunch of money. If you are unable to put in the time (1 hour per week per stock) you should find a good program or system to assist you.

Good Luck and Good Investing!

About the Author: I’m Dan Cunningham. I am an investor and entrepreneur. Feel free to contact me with any questions or leave a comment. dan@rabbitsreport.com

Rabbit’s Report on Internet Wealth

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By William F. Gabriel

After so many years of working hard and trying to make ends meet, making minimum payments on your debts and handling mortgages like a pro, you could still find yourself facing an emergency situation, financial problems that seem to come all at the same time, and collectors making incessant calls and sending repeated emails. When all this seems too much and you feel that you just need a break to get off on a clean start, you have probably considered getting a consolidated loan at some point; however, you also probably realized that you had nothing to offer in terms of collateral. Is this the end of the road for you?

Fortunately, the answer is a resounding ‘NO.’ You can still get back up on your feet and regain a debt-free life through an unsecured consolidated loan. For others who wish to specifically deal with their credit card problems, you may avail of an unsecured credit card debt consolidated loan. If you wish to avail of such an option, let us walk you through the basics to give you a head start.

What is an Unsecured Consolidated Loan?

As you may already know, a consolidated loan takes all your individual debts and combines them all into one loan that you can then pay to the lending company. An unsecured consolidation loan is a loan you can take out without a requirement for collateral. All it takes is for the lending company to assess your personal credit history, your employment status, and other factors they might feel will work for you. There are essentially different kinds of companies who can provide such loan. Care must be exercised when choosing which company you should be dealing with. Among these, non-profit companies providing Christian debt consolidation services could provide friendlier terms and free counseling services to go with the loan. Just make sure that you are dealing with a legitimate one.

When Should You Get an Unsecured Debt Consolidation Loan?

One should get an unsecured credit card debt consolidation loan, for example, if you are neck-deep in debts and would want to start clean in the near future. You can also start thinking of getting a consolidated loan when you are thinking of saving money in preparation for other major purchases such as a car, a home, and so on.

What are the Advantages of Unsecured Debt Consolidation?

Certainly, one of the major advantages of getting an unsecured loan is that you will be able to get proper financial aid right away. If you are in dire need of paying off all your credit card debts or at least re-negotiate the terms, you can certainly use an unsecured credit card debt consolidation loan to address this issue immediately. Another advantage of this kind of loans is that you do not need to risk any of your existing properties just to pay off other loans; otherwise, you might be unable to handle the loan and end up losing all you’ve got, especially if the loan is too high. If you wish to deal with the situation on a comprehensive basis, meaning you also with to change you habits and attitudes toward money and spending, it is a good idea to get in touch with companies providing Christian debt consolidation services, because they can help you in this aspect.

With these basic information, you will be better equipped to study, evaluate, and avail of this option.

About the Author: William F. Gabriel is a Senior Marketing Manager. Through his articles, he gives practical tips on choosing the right unsecured credit card debt consolidation and christian debt consolidation services.

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By Robbie T. James

On the lookout for a new checking account? You may find yourself wanting to switch banks because you have become dissatisfied with your current bank’s level of customer service, their availability of local branches near you, or their draconian fee policy.

Or, maybe you have been having trouble qualifying for a new checking account. If so, it is possible that your name has been reported by your past bank to a database called ChexSystems. This database is what banks use to report risky bank customers to each other. Once you are in ChexSystems, it can be hard to qualify for a new bank account with most banks.

Whatever the reason for your shopping for a new bank that offers an excellent checking account service, you are going to want to have a list of the most important criteria that you should be looking for in a bank. By having such a list of criteria, you can take the guesswork out of how to choose the right bank for you.

Here are 5 criteria for how to choose the best bank for a checking account:

1. Make sure they are FDIC-insured:

While most banks today are FDIC-insured, some are not. The FDIC – or Federal Deposit Insurance Corporation – was established in the U.S. in 1933 as a way of protecting individual bank depositors from losing their money in the event of a bank closure. The overall goal: to increase consumer confidence in the U.S. banking system. Today, FDIC-insured banks will insure your money for up to $250,000 – even if the bank itself were to fail.

2. Ask whether they charge a monthly checking account fee:

Fees, fees, fees! These are the biggest source of customer complaints about their banks. Start your line of inquiry about your prospective bank’s fee policy by asking about monthly checking account fees. Most banks today offer completely free checking, but not all do.

3. Find out what other per-usage fees may be charged:

What about other fees? Be sure to ask. Some fees are charged on a per-usage basis, such as when you write more than a certain number of checks in given a month. Also, look into potentially hidden fees such as those charged for you to be able to view past checks you have written that have cleared.

4. Ask about their overdraft protection policy:

Overdraft protection was a wonderfully-lucrative invention by banks. Gaining in widespread popularity in the early 2000s, overdraft protection was devised as a way to protect bank customers from having their checks bounce or debit card transactions denied. However, with fees of up to $35/instance and no limit to number of instances in a given day, what overdraft protection amounted to was a huge money-making scheme for banks.

Recent Congressional legislation now requires that banks allow new checking account customers to opt in (rather than merely opt out) to overdraft protection. Still, once you are enrolled, these programs can become quite costly for the bank customer. Buyer beware!

5. Find out if they offer online banking:

Finally, ask about your prospective bank’s online banking services. Through their service, you should have the ability to make balance transfers between your accounts, pay bills online, and even inquire about an auto loan or equity line of credit.

Bonus tip: if you have had trouble qualifying for a new bank account, look for “second chance checking” banks: they will never look at ChexSystems when deciding whether to approve your checking account application.

Keep these 5 criteria in mind as you find the best bank for a checking account.

About the Author: Find out how anybody can qualify for a checking account at:

Checking Accounts For Everybody

.

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Submitted by: Navneet Tumber

Wondering How to Find Affordable Life Insurance Rates? An Insurance Broker Is Your Best Resource

If you are wondering how to find affordable life insurance rates you should speak to an insurance broker. Unlike an insurance agent, an insurance broker has access to a number of different insurance policies and rates which means that they can help you find the best insurance policy at the most affordable price.

First, lets discuss the differences between an insurance agent and an insurance broker. Many people do not realize that there is a difference, but although these two professions both work in the field of insurance there are many differences that distinguish them.

An insurance agent works directly for one specific insurance company, which means that they only offer coverage and policies from the insurance company that they work for. Since the insurance agent is an employee of an insurance company, they have to make sure that they keep their employer happy meaning that keeping the insurance company happy is their first priority. Although the disadvantage of going with an insurance agent means that you wont have access to all the policies and coverage available or have a large choice in the insurance rates that you will receive there is an advantage. If you need a standard, cookie-cutter type of insurance plan then an agent will likely be able to offer you what you need.

On the other hand an insurance broker acts as a go between for the insurance company and the insured person. Insurance brokers quote and sell for dozens of insurance companies, which means they have access to a greater number and type of policies and rates. When you have a greater amount of choice then you will be more likely to find the right insurance policy for you that is the affordable and at the right price.

Insurance brokers are excellent choices if your insurance needs are a little out of the ordinary or require special attention. For example, if you have a wood burning stove or have a home situated close to the ocean you may need a specialized insurance plan that only a broker can access. Another benefit to going through an insurance broker is that they can compare the coverage of one policy to another from a variety of different insurance companies. This means that an insurance broker can compare prices and policy coverage and help you find the most affordable life insurance rates.

Once you decide whether or not you want to go with an insurance agent or an insurance broker you need to go through the process of finding the right person to help you. Ensure that the broker or agent that you decide on is experienced and knowledgeable about the types of policies and coverage that you need. You want to communicate your financial goals and objectives clearly with the person that you work for and ensure that they listen to your needs and concerns and offer solutions based on what is best for you.

About the Author: Trilogix Financial is an established financial and insurance company which offers a variety of types of insurance including Canada term life insurance, group benefits, estate planning and financial planning in Toronto. Visit –

trilogixfinancial.com

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