Motorcycle Loans and The Bob Hope Motorcycle Crash

Little ditty on motorcycle loans here for you. Also a funny video showing how not to ride a motorcycle.

Motorcycle loans are no different than other types of loans, so if you have good credit and are looking for a motorcycle loan, use this to your advantage and take the time to find a cheap motorcycle loan. Consumers have a lot of choice when it comes to finding a motorcycle loan.

Sometimes the dealer will have a financial package set up for their customers, there is your local bank that you deal with and of course there are all of the financial institutions that operate in your area. There are also online lenders who also can be looked at for all kinds of loans including motorcycle loans.

If you are planning to compare loans for motorcycles we suggest you start by creating a small chart that lists the lender you are considering, the loan amount you are looking for, the interest rate, the term, the monthly payment and the total cost of the loan plus any fees that may be charged over the life of the loan. As you meet with each lender or visit web sites you will want to fill in the chart to allow you to make a valid comparison of the motorcycle loan quotes that are provided to you.

Consumers assign different importance to each of the variable that we listed in the previous paragraph. Most consumers are looking for a loan that will cost the least amount of money. They will be interested in the lowest interest rate they can find and a short term for the motorcycle loan so that the total cost of the loan is minimized.

Other consumers are trying to balance their total monthly costs and will be more interested in a loan that has a longer term and a low interest rate to maintain a low monthly payment. They realize that the longer term of the motorcycle loan will cost them more money over the life of the loan, however it is more important for these consumers to have a low monthly payment.

Regardless of what your personal loan criteria will be, you will have all of the information on your chart to compare and make your decision regarding which lender you will want to use. Finding all of this information is relatively easy. You can ask the dealer for this information concerning the financing deals they may have available. Your local bank manager will also provide this information to you as well.

Consumers can also search the Internet for motorcycle loan lenders, fill in applications and request quotes for a motorcycle loan. Most lenders maintain a presence on the Internet and have web sites that will provide the details you need in a quote format. If you have questions most also offer 1-800 numbers for you to call and confirm loan details etc.

Once you are on the phone with a lender, ask if this is the best deal they can offer. The worst that will happen is that they say yes. You may be surprised to learn that they will reduce the interest rate further, if you are willing to agree to a motorcycle loan while you are on the phone with them.

How Not To Ride a Motorcycle

 

Parody Video and Article on Debt Consolidation

This article is very helpful for those considering debt consolidation, and the video is just some kid trying to be funny. Sometimes he is, and sometimes he is not.   

Home-owners and tenants who are thinking about consolidating their debt often wonder how much money they will save and what the overall advantages will be for them when they consolidate all of their debt.

There are really several areas to consider and consumers may consider some areas more important than others depending on their personal situation. Savings can be measured in terms of reduced interest rates, reduced interest costs, lower monthly payments, one payment vs. several payments each month, asking for multiple quotes and the simple act of getting your financial situation under control with a well defined plan.

Most people are interested in how much money they will save. Your loan manager can assist you to figure out the total interest cost of your new loan after you have consolidated everything vs. what you would pay if you did not consolidate. If you have a lot of credit card debt and run a monthly unpaid balance each month, you may find that you will save a great deal of money by consolidating your debt.

If your objective is to reduce your monthly payments, consolidating your debt into one loan and then extending the term as long as you can will have the effect of decreasing your monthly payments. You will have funds available for other areas if needed.

Consumers should recognize that they will generally pay more interest over the life of a longer term loan than they would if they paid their loan off more quickly. Often this is quite acceptable to many customers, because their objective is to reduce their monthly payments as low as possible. If they have spare funds sometime in the future, they can pay their loan off more quickly often, with out any penalty.

Other consumers are tired of making multiple payments to several different loans each month at different times in the month. A debt consolidation loan can be used to blend all of the loans together and then make one payment a month or every two weeks.

You can even align your payment with your paycheck so that you do not have to worry if there is always money to pay your loan in your bank account. Some people will combine loans, credit cards and mortgages all into one debt consolidation mortgage with one payment each month to keep things simple and un-complicated for them. While this approach may not always save them money, they can simplify their lives and make only one payment each month towards their debt.

Another major advantage of consolidating your debt and bringing it all together under one loan or mortgage is that it forces customers to review their debt situation and take control of their debt before it gets out of hand.

Applying for a debt consolidation loan or a home equity loan with several lenders also will help you understand who has the best rates and how much you can save between lenders.

Online applications and online quotes are free. Consumers can compare the monthly payments, the interest charged and any fees that might be included. A simple comparison will quickly tell you how much you can save between lenders.

Weird Parody on Bad Credit and Consolidation

Business Loans for Women - Mish-Mash

Here is a mish-mash of info on small business loans for women. There are a few links to other sources, and a video entitled, “Women in Business”.

Like any business people, the fair sexes have wishes and desires, despite their bad credit record. They might want to start-up a business, or have aspirations to expand their current business.

Such business women are often helped with the work of government aid programs, and financial institutions. Female business entrepreneurs can now borrow funds to carry out their business, and sometimes they can help rebuild their credit scores, via their financial transactions.

Below is a video regarding women in business, and also a ditty from Venture Worthy.

Here is a quote I like on business women from Venture Worthy: 

In the past decade, the number of women-owned businesses has boomed, and these businesses are just as successful as businesses owned by men.

Women seeking capital to finance their small business ventures can take out loans. Loans are available for women starting up small businesses in all fields-bed and breakfasts, catering, pet supplies photography, record labels, greeting cards, craft businesses, consulting, brokerage, day-care and more.

Some thoughts from Venture Worthy on Businesses and Women:

- The number of women-owned business has increased exponentially over the past ten years.

- Women tend to think and act differently than men when it comes to business, and their non-traditional style of running a company has been successful, and given women a different outlook on possibilities and opportunities.

- Raising start-up capital is important in starting a new business. Some different source of money are friends and family, private or angel investors, venture capital investors, grants and, of course, loans.

- There are loans created especially for women. In some of these loans, applications will focus on your character, credit, experience and reliability rather than assets. These loans can be for as much as $250,000 or more.

- There are also loans specifically created for women with young children who wish to create a business within the home.

 Related Video – Women In Business

Student Loans in British Columbia, Canada

This article is for those who need student loans for their college education in British Columbia, Canada.

Most university students go to UBC, (University of British Columbia), but there Universities all over the province.   

There’s an amusing video at the bottom of the article, where a couple of UBC students can’t open a bottle of champagne.  

Students attending university or college in B.C. can apply for both provincial and federal students loans using one convenient form. B.C. Student loans are administered by the British Columbia Ministry of Education on behalf of the government of BC and also the federal government of Canada.

One area that all students should be aware of is that the government of B.C. considers the loans from the federal government and the British Columbia government as two separate loans.

As a result when you graduate, each student is expected to make their own arrangements for separate loans for repayment purposes with designated banks. This is important for all students attending university in the B.C. province.

Students will require loans for all sorts of purposes. One thing a student can do is to draw up a budget that includes the books they are going to need for their courses at university, the rent they will pay for their dorm or student housing, food and entertainment and any transportation they may need to help them get home once and a while to see their parents and friends at home.

Once you have your budget put together, students should add all sources of income including student loans that they may be eligible for, part time jobs, savings and even help from mom and dad.

Your student budget should also include a clothing allowance and also a small emergency fund, just in case you need something you did not plan for. Loans for students in BC can be a really big help, some times making the difference between going to college or university and not attending at all.

British Columbia Student Loans Produce Brilliant Students

 

Guaranteed auto loans are touted around the world via the internet and I would like to go on record with my opinion on this matter. What some finance companies should be advertising if they were to be honest is, "Guaranteed auto loans IF".

If you have assets. If you have a co-signer. If you have solid job. If you own your own home. If you have perfect credit. If you answer yes to 1 or 2 of these questions than I would guarantee you a loan. Depending on your credit rating the interest rate will vary. If you answered no to all of the "ifs" above then you likely should avoid any more debt.

Of course my opinion is not the important factor here and if you really want guaranteed auto loans we have an excellent company for that. If you click any of the auto loan buttons or links on this page then you will be brought to our auto loan info page. There is a banner for bad credit lenders.

This merchant has bee researched and it has proven to be reasonable and honest. They deliver on their promises and find you the best possible interest rate. Their service consists of acting as a broker for you. They canvass lenders and bring you the best offer.

This sets up a sort of bidding war over your business. This is a very good way to ensure your lowest possible interest rate. As far as guaranteed auto loans go, there is no such thing folks. There is no way we can honestly "guarantee" a loan.

What I can guarantee is that, IF you have some sort of asset, a job or co-signer you will get your loan. Often if you just hold down a job you can get a guaranteed auto loan. There is no way you will get an auto loan if you don't have a solid income. This I can promise you. So as far as telling the world I can guarantee auto loans............well that would be lying.

Typical Advertising for Gauranteed Auto Financing  

 

Prepaid Credit Cards for Building Your Credit Rating

This piece is intended to touch on prepaid credit cards, but I found our writers fell short on this one. There needs to be more detail in the area of prepaid credit cards as an important step in re-building your credit rating.

For instance, when I was finally discharged from bankruptcy, I got a prepaid credit card that only had a limit of $600, which I had to pre-pay. This was the only credit card I had for over 5 years. It did help me regain my credit rating, which is full again.  

Can you buy prepaid credit cards the same way that you can buy prepaid phone cards?

There is a big difference between the two, yet a prepaid credit card is not that unreasonable. Consumers can buy or apply for many different credit cards and be approved within minutes as long as they have a good credit rating and generally have a history of paying their bills and in particular their credit cards on time.

So how does the prepaid portion of this work? Actually, all you need to is have a bank account that has been set up to make a payment once a month, or even more often to your credit card. There are a number of ways to prepay and manage your credit card balance at the same time.

The easiest approach is to set up your bank account so that it prepays your credit card each and every month a set amount whether you use the card or not. Yes you can do that. Your card may show a positive balance some months and a negative balance other months, depending on how much you have actually charged on credit to the your card.

Some specialty cards can be set up to make a demand payment for the balance on your credit cards at the end of the month to your bank account. Using this approach means you never will miss another payment, however customers must make sure that they always have sufficient funds in their bank accounts all of the time to handle any payments that are made to your credit card.

My Bad Debt and Credit Card Problems

If you've had problems with your credit card balances in the past then you may have been considered a way to eliminate your debts.

There are various ways to protect your credit rating and one way is to keep your Visa, Mastercard or American Express card balances down.

Eliminating credit card debt can be accomplished with a consolidation loan, a home equity loan, or an increase in income. Elimination of all your debts is the first step in financial recovery. Visa, Discover, American Express and Mastercard debts are expensive debts. They need to eliminated as soon as possible to avoid runaway interest costs and fees.

My own experiences with trying to eliminate mounting debt has taught me a financial lesson. I was a good debtor to my creditors for many years but that was coming to an end.

My card balances had increased to the point where I could not pay down the principal on any of my credit cards. At that stage of my life I had no way to pay down my cards short of robbing a bank. I ended up choosing the debt consolidation route as there was no other way to eliminate my high card balances.

It took 4 years for me to pay all my debt off and it meant living on a tight monthly budget. It was all well worth it and I did not have to claim bankruptcy.

I don't use my credit cards anymore because I got rid of them. The biggest eliminator of debt is the act of simply cutting up your cards. I found a way to live on the income I have and not charge purchases.

Semi-Related Video… Credit Card Advertising

 

 

 

4 Advantages of Online Car Loans

Car loans have been applied for and approved in record numbers every year since 1997. Statistics have shown that online car or truck financing has more than doubled every year between 1997 and 2007.

Staggering numbers the banks to contend with as they all run for the nearest hosting company. Whether or not you have a bad credit rating or a good credit rating getting your car loan online can have many advantages.

I will briefly list off these financing advantages on this page but if you are visiting only to research interest rates - click here to see our directory of car loan merchants.

Advantage number one: when getting your car loan online is convenience. Instead of taking up a good chunk of your day driving down to your local bank you can simply browse the Internet in the comfort of your own home. You can see a variety of different interest rates and financing options for your car loan in just minutes. You can apply for your loan in just seconds and many online finance companies will give the thumbs up or down in 10-15 minutes. So time is a factor that has to be emphasized when discussing an online car loan.

Advantage number two: when getting your car loan online is rapid comparison shopping. Imagine driving to twenty different banks in your state and setting up appointments with twenty different loan officers. Imagine how long all of that would take. You can easily go online and click on twenty different money lenders web sites in just half an hour. The gravity of this can't be overstated.

The Internet has revolutionized how we comparison shop for our car financing. In the past we were at the mercy of our local banker. What ever that bank or banker decided we could handle in the way of debt dictated our future. Not anymore folks. The traditional banks are now scrambling to compete with the new world of online car and truck financing. This brings us to my next advantage of online car financing.

Advantage number three: is increased financial competition. Yep...the traditional banks are running around like chickens with their heads cut off trying to compete with the savvy new online financing companies. It looks good on 'em don't you agree. Now.....what this has created is competition like they never had before.

Now they have to offer reasonable interest rates at reasonable terms or they will be discarded at the click of a mouse. I believe that as time marches on the financial institutions that resist online car financing will be long gone out of business.

I'm not talking about banks simply having a web site up showing their interest rates and terms. I'm talking about online banks that approve loans in minutes. Now THAT is what people want.

Advantage number four: is pin pointing your car loan. For instance - if you temporarily have bad credit and you know that your interest rate and terms will be inflated to your disadvantage you can use the Internet to search for only banks and dealerships competing in bad credit car financing.

Due to advantage number three (competition) the bad credit lenders are throw into the fray with their pitch as well. The Internet is the great equalizer when it comes to fair car financing. Simply type in to Google or Yahoo the phrase bad credit car loans and you will see hundreds of thousands of web sites offering car financing to bad credit applicants.

 I've watched over the last two years as these lenders loosen their criteria and offer car loans to bad credit applicants with interest rates and terms that are much more reasonable than in the past.

Semi-Related Video….BMW Concept Car

 

AES Student Loans Piece and Video On How To Waste Student Loans

Article on AES student loans, and a video on “How To Waste a Student Loan. So true sometimes.

AES will help you manage your student loans, make payments, apply for loans, look for scholarships and apply to a variety of schools online. AES also provides a lot of information about AES student loans, calculators, interest payments and more. AES provides information about how the student aid process works and how to get started looking for loans and scholarships and other private loan financing for students..

AES has an interesting page on their web site, which works like a Frequently asked questions area as well as a chat area. The questions are posed as if you were in a chat room and a counselor prepares answers to the questions. The particular one that I looked at talked a lot about student loans for international students and what loans and scholarships were available for them. Other questions centered on repayment options and what there options are if students cannot repay their student loans, or cannot pay the total payment each month and were wondering if they could pay a reduced payment. All good questions if you are a struggling student and are unable to handle school and a job at the same time, with a loan to repay.

There are so many areas about student loans and the options students may or may not have regarding student loans, interest rates and payment terms, that any student needing information about scholarships, funding, student loans and managing your finances should really spend some time reviewing the site to become familiar with all of the various loan programs.

Semi-Related Video…..How To Waste a Student Loan

 

 

Student Loan Consolidation - With Play-Doh Video?

See video at the bottom for the student loan consolidation loan Play-Doh video. 

Little Piece here on student loan consolidation. Some good info, but overall, I would have proffered a little more depth I suppose. You can read more about student loans here as well.

You've graduated - yip pee-cya! If you took any student loans in order to pay your college tuition and stuck with a load of payments consider choosing one of the student loan consolidation programs available. Consolidating your loans will make life much easier. Knowing that you will only have to make one, instead of several payments per month, is only one of many benefits student loan consolidation programs include.

Student Loan Consolidation Program Benefits

By consolidating your student loans you will be enjoying a fixed rate and one payment per month. The rate you will be paying should be an average of the rates you are supposed to be paying and should not exceed a maximum of 8.25%.

In fact, many lenders offer rates low as 4.5% which I believe is incredible. When choosing a student loan consolidation program use a student loan payment calculator to find whether you will get an interest deduction or not.

Another great benefit you will be enjoying with a student loan debt consolidation program, especially if you have to pay back private loans for students with bad credit, is a boost of your credit ratings. The fact that you consolidate other loans means that you paid them off which basically means your credit ratings improved.

I would like to consolidate federal student loans with private ones, should I?
Federal student loans should be consolidated without hesitation however, do not consolidate them with private student loans the rate you will be paying will be a very high one. Do not consolidate Perkins loans because the student loan repayment plan offers a fixed rate and relatively low one as well.

The most important thing to know is to consolidate the loans that do not include fixed rates. Consolidate private and federal loans separately and pay attention to the interest you will be paying if the total interest you are quoted to pay is higher than your original interest don’t apply for a loan.

Do some due diligence prior to you making this important decision and don’t forget to compare rates and offers from various lenders. Take your time when looking into this subject and make sure that you overview ed enough student loan consolidation programs to make a financially educated decision.
Find out more about how to consolidate student loans and debts before making your decision.

Related Video…Student Loan Consolidation 
The Famous Play-Doh Bit…

Really Really Bad Credit Loan Approval - Unsecured Financing

I like this little tid-bit (written by Pam the Great) all about the perils, valleys, ups-and-downs, of bad credit. It’s getting cliche these days, because so many people are suffering from really bad credit ratings, really bad debt loads, and really bad spending habits. 

It’s no  laughing matter though, when your credit sucks big time, and you can’t buy ANYTHING anymore.  Money is no game folks.

You are in need of loans without collateral and you think it is easy. You go through your credit report and find what? Bad credit! Yes bad credit. You go through questions like how, when where. Well, settle down – you have bad credit. You can’t rub it off. All you can do is play along until you abandon it for good credit. You still have a very feasible option called unsecured loan for bad credit.

Since you have a special condition, you need to make special efforts. I say ‘special’ because bad credit does not literally mean ‘bad’ in credit lending terms. An unsecured bad credit loan provider will understand this. Everybody thinks bad credit would not happen to them. But the fact is bad credit happens to normal people. In fact bad credit can happen to anyone. Understanding this will make finding unsecured bad credit loan easier.

Now since you are looking for unsecured loan for bad credit this would mean you cannot offer any security for the loan amount you intend to borrow. Unsecured loans are very optimal for those who are looking for loans without guarantee. Usually home is accepted as collateral. So tenants who do not own a home have a realistic option as unsecured bad credit loan.

But that does not mean bad credit homeowners are not acceptable as borrowers for unsecured loan. Sometimes, homeowners who do not wish to put their home on risk can apply for unsecured bad credit loan.

For an unsecured loan lender, there is no security for the amount he is offering. This will be reflected in the interest rates. Since you have bad credit also, this will further add to the already increased interest rates. The relative interest rates for unsecured bad credit loan is high. The lender has no claim on any of your asset, unlike secured loans where lender holds the title to your home. But that does not mean lender can’t claim the money he lends as unsecured bad credit loan. He will resort to other legal cures to claim his money.

‘Typical’ interest rate for unsecured bad credit loan depends on your particular situation. A borrower must understand that the interest rate offered to them will not be the same as offered to someone else. Your loan amount, income, credit score, financial condition – all will play a role in determining interest rates. Ask for free quotes, most of the sites are offering free quotes. Quotes will give you the approximate idea about much you are going to pay for bad credit personal loan.
Because you have bad credit, it is important that you know you credit score. Credit score is a three digit number. It is easy to find your credit score. Fico score ranges from 300-850. Credit score above 720 is considered good credit score while below 600 will be labeled as bad credit. Grades are given in approximation to your credit score. The grades range form A to E. since you have bad credit you will have C, D and E credit grades.
For an unsecured borrower, knowing your credit score gives you power to get correct rates for your score. If you don’t know your score then you may be charged more for bad credit score.
The amount that you can borrow for unsecured loan can vary with lender. The unsecured bad credit loan lender will provide as low as £500 to as high as £25,000. Unsecured loans are useful for low amounts. For very low amounts you will have to check whether unsecured bad credit loan are appropriate. Sometimes, alternative forms will prove to be better. This will require research and will help you to settle on best deal possible.
Unsecured loans for bad credit are appropriate for every purpose. Bad credit unsecured loans are equally appropriate for home improvement, education, debt consolidation, vacation, automobile purchase or wedding.
Unsecured bad credit loans are providing you with financial security without warranty. You of course have a very potential instrument in your hand. If you are able to employ it in the right way – you will be of course flogging off financial impediments in the most favorable way ever.
Few identifiers are necessary to identify your kind of loan. An unprepared borrower might find it very confusing to get out of the jargon of loans in UK. A loans borrower/user demands for timely, reliable, accessible, comprehensive, relevant and consistent loan service.

Pamela Scott is constantly trying to help you find such a loan service online. To find Secured loans, secured personal loans, secured debt consolidation loans in UK that best suit your needs, visit http://www.easyfinance4u.com

Related Video…

Difference Between Payday Loans and Personal Loans

A payday loan is like a personal loan, but has some important differences.
Installment Loans - An installment loan is one where you receive the loan amount in one lump sum and then make regular, set payments until the loan is paid off.
Revolving Credit - A credit card is different than an installment loan because you can borrow less than your approved amount at first and then more later.

Also, you always have the option to borrow more money as long as there is room available in your credit line. A credit card is considered a revolving line of credit.
Payday loans are neither installment or revolving loans. A payday loan is one that is paid off in one lump sum. Payday loans are fast cash. With a payday loan, the approval process is quick and easy. But, the loan is more like an installment loan, not a revolving line of credit.

Payday loans are usually for amounts from $500 - $1000 and personal loans are usually for amounts of $1000 - $10,000.

Payday Loans are Fast Cash - Personal Loans are Long Term - With personal loans, you usually do not receive the cash fast, you usually have to go through a normal loan process, which can take anywhere from 1-2 weeks or more until you actually receive your loan amount.

The loan payments are extended for 1-5 years. With a payday loan, the entire loan amount is due within 1-4 weeks.
Understand your cash needs to determine whether you need a fast cash payday loan or a personal loan.