Author: Finance Tips

The Advantages of Having Credit Union Savings Share Certificates

    Finance Tips

There are so many financial options, and financial products from which to choose. Customers need information on which financial options are open to them and which bank or credit union to visit to find these options.

There are checking accounts, savings accounts, and money market accounts, to name only a few. But there are also savings share certificates.

Savings Share Certificates

Savings share certificates are savings, offered at credit unions, that are like CDs (certificates of deposit), which you will find at banks. Here are some benefits. Savings share certificates…

  • offer good yields (at a higher rate than a traditional savings account),
  • similar to bank CDs, a savings share certificate requires money deposited to mature in the account for a specified amount of time (early withdrawal will incur a penalty), and
  • if you choose a certificate that requires more months to mature, you’ll earn a higher rate of savings.

< Continue reading The Advantages of Having Credit Union Savings Share Certificates →

What You Should Know About Saving Money And Improving Credit

    Finance Tips

Taking out a loan is something that many people will have to do at some point or another. As a matter of fact, taking out a loan is something that can come about for a number of different reasons. For one thing, taking out a loan can help you to go to school, especially as college costs have continued to climb over the course of time. Taking out a loan for a home is also hugely important, as too can be getting an auto loan. For a great many people, loans are quite critical indeed when it comes to even affording everyday life.

After all, most people do not have a great deal of extraneous money to be handling. As a matter of fact, the vast majority of all people in the United States don’t even have $1,000 to spare. Up to half of this country’s population would consider themselves to be living paycheck to paycheck, and less than one third of all adults in this country have any kind of real financial plan in place. Therefore, it is clear to see that loans can be a must for many of the Continue reading What You Should Know About Saving Money And Improving Credit →

How Flexible Lease Options Can Help You Own Property

    Finance Tips

It’s estimated that 50% of Americans are living paycheck to paycheck, but it seems like there’s always something important to buy.

It might be furniture, it might be payments on a house, it might be major appliances or it might be something else. But there’s always that requires your attention and your money, whether you’re talking about jewelry financing, furniture financing or HVAC financing.

When it comes to buying property, flexible lease purchase programs can be very beneficial. In this scenario, a buyer pays a seller some option money for the right to purchase property at a later date. Usually with flexible lease purchase options, the seller and the buyer agree on a purchase price as well.

If you’re talking with a seller about a lease purchase agreement, a common duration for one is between one and three years. To pay for flexible lease purchase programs, a buyer will typically go to a bank to secure financing and then pay the seller in full at the end of whatever Continue reading How Flexible Lease Options Can Help You Own Property →

Here are Three Things to Know About a Private Money Loan

    Finance Tips

There are a number of loans available out in the real world. Some are student loans, some are business loans, and then there are private money loans. Private money loans are also known as hard money loans and are generally used for very specific purposes. This article will look at several things you should know about private money loans.

  • Private Money Loans Can Come From Multiple Sources: The first thing you should know about these private loans is that they can come from multiple sources. According to FitSmallBusiness, these loans can come from three main sources: friends and family; colleagues and professional and personal acquaintances; hard money lenders who deal specifically in these types of loans. These are all sources that can provide this kind of loan if you’re in need of one, though man Continue reading Here are Three Things to Know About a Private Money Loan →

Getting a Fair Truck Loan

    Finance Tips

Trucks are widely used across the United States and Canada to deliver many millions of tons of freight. Factories produce all sorts of good ranging from furniture to books to electronics, but it is the transportation network of trucks, trains, and planes that move these goods to and from factories, warehouses, retailers, and other distribution centers. Today’s trucking industry is quite a large one, and several million Americans are employed as truck drivers or related staff. Many trucking carrier companies can be found across the United States today, and most of them are on the smaller side. Carrier companies work with freight brokers to arrange deals with shipper clients, and truck financing may also be done. Third parties may offer semi truck financing if it is needed, and even getting financing with bad credit may be possible. Truck loans can be found online if need be, and semi truck financing companies, in some parts of the United States, may be bilingual. A person may search “pr Continue reading Getting a Fair Truck Loan →

Considerations For Taking Out A Loan

    Finance Tips

From the 15-year fixed rate mortgage to other types of home loans to even small business loans and auto loans, there are many loans being regularly taken out all throughout the United States. Loans are typically for large purchases, such as that of a home or a car, for which the vast majority of all people are simply not able to front the full cost of at the time of the purchase. By taking out a loan, you’ll be able to put a down payment on a property without going into debt and parting with all of the money in your bank account and then some.

Consider, for instance, the ever growing prominence of the college loan. There is just no doubting the fact that college loans are quite hugely important indeed. After all, getting a college degree or above can change your life quite completely, with people who have at least their bachelor’s degree open to so may more opportunities in the working worl Continue reading Considerations For Taking Out A Loan →

Loans Don’t Have To Be Scary! Here’s Some Tips!

    Finance Tips

When you apply for loans, it can be a very scary endeavor. And why would it not be? You are asking for a large sum of money that needs to be paid back with interest. It is not like borrowing $20 from a friend and saying “I’ll get you back one day.” No. Failing to do so, in a worst case scenario, can leave one bankrupt if an individual does not manage their money well or overestimated what they could handle or they were unfortunately enough to be left without a way to pay it. But it does not have to be scary! Here is what you can do.

What Is A Loan?

Like mentioned before, let us say you borrow from a friend, like the aforementioned $20. However, your friend says they will lend you the money but you must give it back to them, plus 10 percent interest. Interest is an amount of money that needs to be paid for borrowing the money, it is generally a percentage of the full amount. In this sce Continue reading Loans Don’t Have To Be Scary! Here’s Some Tips! →

Finding a Great Condo In Fort Lauderdale

    Finance Tips

Everyone needs somewhere to live, and common housing arrangements include suburban homes, apartments, and condominiums, or condos for short. For residents of Florida and Fort Lauderdale in particular, there may be some excellent beach homes and other beach real estate out there, and many Americans are looking for vacation homes to get away from it all. Fort Lauderdale luxury homes may be found along the coast, and the Lauderdale beach area may be a popular place to live or own a vacation home for those with the interest and the budget. Fort Lauderdale luxury homes may beckon as prime beach real estate, and on a similar subject, the finest condominiums may be found in the Miami or Fort Lauderdale area. Many people live in Florida or plan to move there, and they all need someplace to live or take a vacation. Why not find some Fort Lauderdale luxury homes on the real estate and find beach side property worth the trip out there?

Florid

This tropical, sunny state is a very pop Continue reading Finding a Great Condo In Fort Lauderdale →

Using the Right Software or Company for Debt Collection

    Finance Tips

“Accounts receivable debt collection.” This may sound like a dry term, but it may refer to the simple, time-honored act of collecting debts fairly and on time for consumer purchases or fine or fee payments, and an accounts receivable management company can be hired by a client company that cannot handle its own debt collection due to a lack of in-house experts or software. Accounts receivable debt collection can work for anything from a customer buying a shirt at a department store with their credit card all the way to a person facing criminal charges paying a fine to the court system. Debt collection does not have to be something complicated or scary; accounts receivable debt collection is simply when a person buys a service or product and pays fairly for it to complete a business transaction. Buying and financing a car or even a house can involve a debt collection agency too, and many adult Continue reading Using the Right Software or Company for Debt Collection →