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Can you please help me understand my school loans?

Thu, 24 Jul 2008 00:23:17 +0000

Can you please help me understand my school loans? Boring numbers and interest rates within. I'm embarrassed that I don't understand this stuff but I guess it's better to ask and learn... I have two loans, a private loan and a Federal loan (which I consolidated several years back from Federal loans with higher interest rates). I have enough money to pay off one in entirety, but I'm not sure which one to do so to save the most money. Loan details below: Private Loan Original principal balance: $12,632 Outstanding principal balance: $5,297 Interest rate: 5.0%

Untitled

Tue, 22 Jul 2008 17:51:53 +0000

nakarom added an entry about pay off my student loans : I set all of my loans to ACH so my payments are auto debited each month. Doing this decreased my interest rate by 2% so now more of my payment goes to principle. Yeah!

Student loans changing next year at Indiana campuses (The Times of Northwest Indiana)

Tue, 22 Jul 2008 08:47:50 +0000

Federal Direct Loans for 2008-09 Indiana University Northwest, along with all Indiana University campuses, will begin using the William D. Ford Federal Direct Loan Program as its source for federally backed student loans, beginning in fall 2008.

Resource for evaluating past stock recommendations?

Mon, 21 Jul 2008 15:10:51 +0000

Is there anyone (especially online) who's collected reasonably well-informed stock picks from, say, 2, 5, or 15 years ago and explained why the recommendations did or did not work out? Is there a better way to track that stuff down than hunting around for old articles on financial websites? It seems like making the effort to learn from mistakes in the past would help guard against over-optimistic, irrationally exuberant picks today.

Instant Cash Loans - Quick Remedy to Overcome Financial Crisis

Sun, 20 Jul 2008 03:23:15 +0000

instant cash loans are structured to provide you the financial support. The loans are easy to access and assist you to overcome the cash problems. These are short term unsecured loans, wherein the amount gets transferred in to your account within the same day of application. These loans are laced with flexible terms and conditions.

Buyer’s Agent Works Against Buyer

Wed, 16 Jul 2008 19:21:04 +0000

From a reader: Patrick, Knowing that the RE market is declining, a friend of mine recently placed a bid on a condo in San Francisco that was much lower than the asking price. Then my friend was inadvertently copied on an email that her realtor’s parter sent to her realtor. I don’t have a copy of the [...]

DOW down Nearly 20 Percent from Peak: Lessons from the Great Depression: Part XII. Is the DOW now Tracking with the Californi

Fri, 27 Jun 2008 07:21:58 +0000

I was watching CNBC on Wednesday morning and they were on a Fed watch with a countdown and all other bells and whistles. As the day went along, these talking heads were talking about good earnings here, the resilient American consumer, and all this other pointless Chihuahua yammering to keep people from asking the [...] Related Posts: ■ Two 400+ Point Days in Two-Weeks: Why this is Horrible News for Housing. Volcker and Protecting your Mac. ■ There will be Housing: How we’ve Returned to Selective Market Ignorance. ■ 10 Percent Unemployment in California: Which Counties are Hurting the Most and What it Means for Housing. ■ Bipolar Housing: Lessons from the Great Depression: Part XI. Understanding the Impact of Asset Deflation and Consumer Inflation. ■ The Sham of our Current Unemployment Rate Numbers: Lessons from the Great Depression: Part X. Data Mining.

3 Captivating Housing Stories: Trouble in the 90210: When Beverly Hills Isn’t Prime. Vote yes for Multiple Foreclosures. T

Thu, 05 Jun 2008 18:40:55 +0000

The bigger they are, the harder they fall. That mantra is now being witnessed first hand by many prime areas of Los Angeles County. Luxury properties have a very specific and niche based market. They cater to a very unique audience that usually resides outside the confines of the average [...] Related Posts: ■ How Many People Overpaid for Their Home in Los Angeles County? Trying to get a Raw Number of Households Underwater. ■ Foreclosures jump statewide by 40% in California in just one quarter! Welcome to California’s Gold! ■ This Housing Mess is Getting Ugly and Your Face Shows it. Unintended Consequences of Lost Home Equity. ■ Real County of Genius: Los Angeles County Reaches Another Record: $540,000 Median Price. 3 Reasons why this Number is a Fabrication. ■ Mission Accomplished: 3 Housing Issues: Multiple Bottoms, Declining Dollar, and More Sub-prime and Alt-A Defaults.

life insurance HEALTH STATEMENT

Thu, 22 May 2008 15:21:25 +0000

My life insurance lapsed - and a new signed medical health statement is required - am I screwed if I lie? I've had a $400,000 life insurance policy for about ten years or so. Recently the policy lapsed, due to a bank checking account change / automatic draw situation. The company, Liberty Mutual, says I can reinstate the policy and bring it up to date with the past due payment, but I need to fax them a "Health Statement." The statements asks: Since the date of the application of the above policy: "Have you had any illness or injury?" and "Have you consulted any physician or surgeon?" The problem is, about two years ago I was diagnosed with Type II diabetes. I called my local (Friendly) representative for the company, who sold me the policy years ago, and he says just lie, and say that my health is fine. He also advised me to lie way back then, and say that I've never smoked pot, which I did, and continue to do occasionally. (Marijuana is the only thing that calms my leg shakes and neuopathy in my feet.) I'm 52 years old, fit, and doing my best to treat my diabetes. I've never smoked tabacco and I've never drank alchohol.

Existing home sales dip - FHA may help raise sales

Tue, 22 Apr 2008 17:38:54 +0000

The National Association of Realtors announced today that total existing home sales - including singe-family, townhomes, condominiums and co-ops - decreased 2% in March when compared to the previous month's sales. Increased FHA and conforming jumbo loan limits expected to reverse the trend.

The Abyss is Deep: The Housing Abyss is Deep: 4 Major Reasons Why Housing in Southern California is Nowhere Near a Bottom.

Tue, 08 Apr 2008 07:30:53 +0000

There seems to be a crescendo rising from the Southland that we are now nearing a market bottom in real estate. The argument goes a little something like this: prices have fallen significantly, inventory is still at peak levels, and rates are still historically low that the water is now warm for any [...] Related Posts: ■ California Budget Details: How the Recession Will Affect Revenues for the State. ■ Don’t Catch a Falling Guillotine: Housing Free Falling in Southern California. A Deep Look at the Numbers. ■ Sexy Bottom: The Naked Truth of the 10 Percent Southern California Housing Drop. ■ Screw This Housing Market! Black & Decker Sucked into the Housing Abyss. ■ California Examined: The Deep Budget Impact of the Mortgage Crises.

R & B Ringtones

Wed, 01 Aug 2007 09:05:10 +0000

via R & B Ringtones : http://rbringtones1.tripod.com

Adverse Credit Unsecured Loan - Deputed To Eliminate Debts

Mon, 18 Jun 2007 13:29:15 +0000

The bad creditors can now wipe all their debts without pledging collateral through adverse credit unsecured loan. The repayment tern is short as the rate of interest is slightly high.

Waiver of PBGC Premium Penalties

Fri, 17 Nov 2006 11:45:42 +0000

The Pension Benefit Guaranty Corporation has codified it policy guidance on premium penalty waivers as an appendix to its premium payment regulation, effective for PBGC actions taken on or after December 18, 2006. [FR E6-19436] The PBGC waives the penalty on failure to pay PBGC premiums most often in the case of “reasonable cause,” generally [...]

Understanding Secured Loans

Fri, 27 Oct 2006 20:33:40 +0000

A secured loan is any loan that is secured on your home or property. Secured loans are more easily accessible to those with a poor credit record. This means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit (ccjs, arrears, defaults, etc.) can take out a secured loan.