Best Credit Cards For College Students

It’s important for adults to have a good credit score, but your score isn’t just created on its own. There are several factors that contribute to it.

Credit history accounts for 15% of your credit score. Because of this, it’s a good idea to be building credit when you’re young, such as when you’re in college.

Many young adults get their first credit card in college. Even if they don’t have a lot of extra spending money, they can still use it to buy necessities and begin building their credit and payment histories.

But it’s not always easy to know which card to go with. There are a wide variety of options, and the application process can be daunting or confusing.

4 Ways You Should Be Using Your Tax Refund

March 21, 2016
Tax Time
Tax Refund, Tax Season

Receiving your tax refund in the mail or by direct deposit is possibly the only fun part of filing your taxes.

And after a long year of hard work and a long tax season of stressing about how to get your taxes done, that check can feel pretty rewarding. It’s no wonder why some people use it to treat themselves to unimportant items and frivolous purchases.

However, according to Bankrate, these people and their purchases are becoming less common by the year.

People are beginning to spend their tax refunds more wisely based upon a recent poll:

30% of people said they plan to use the refund to help pay down debt
28% said it would be going toward an investment or a savings strategy
26% plan to spend it on necessities

3 Things Used Car Dealers Will Do To Trick You

March 18, 2016
Used Car Buying Advice
Used Car Buying Tips, Used Car Sales Dangers

Buying a new car is a big task to take on, especially when it comes to negotiating the price of the car. Some people believe salespeople to be unfair or sneaky, but that doesn’t mean you have to be afraid to go to a dealership.

In fact, many aren’t actually trying to rip anyone off. At the end of the day, a car dealership is a business that is just trying to be profitable.

It’s a good idea to prepare yourself before walking onto the lot and looking at a car. If you have a strategy and know some of theirs, you may come out ahead.

What To Buy At Buy Here Pay Here Dealers

Tips For Purchasing At Buy Here Pay Here Dealers

March 16, 2016
Used Car Buying Advice
2 Comments
Used Car Buying Tips, Used Car Sales Dangers

Getting an auto loan can be difficult, especially for someone with a less than great credit score. But that doesn’t mean it’s impossible to find a financing option to help make a necessary car purchase.

If you’ve been turned away from several lenders, but you need a car fast, you might be considering a Buy Here, Pay Here car dealership.

These are slightly different than the average used car dealership.

Not only will the business sell you the car, but it will also loan you the money you need for the purchase.

A buy here pay here dealer can be a lifesaver if you find yourself in a tough situation. However, if you don’t to the right research, they can also be detrimental to your finances and your already-damaged credit score.

If you plan to make use of a buy her pay here dealer’s services, be sure to consider a few factors first.

“Will Being A Co-Signer On A Loan Damage My Credit?”

When friends or family members come to you for financial assistance, your first instinct may be to see what you can to help.

In some situations, lending a hand is a good thing. It’s a sign of a good friendship or relationship, and you know that they would do the same if the situation were reversed.

But there are some situations when you might be better off saying “Sorry, but no”.

One of these instances is if someone asks you to be a co-signer on a loan.

As many people know, getting a loan can be tough, especially if you have a low credit score.

However, many creditors will forgive this blemish if someone with a better score is willing to co-sign the loan. This gives the creditor confidence that the money will be repaid, whether it comes from the borrower or the co-signer.

Previous Page «‹20 212223 24 ›»Next Page