Dear BLR Editor,
I’m due to receive about $3,000 from selling some of my musical equipment. I’m 25 years old and I have a good job, but I also have a car note, at 4.5% and $26,000 in credit card debt.
My instinct tells me to save this money in my rainy day account, which is currently [...]
Finally, the big banks have jumped into the unsavory world of payday loans.
These loans, which were once the preserve of cornerstore check cashing outfits, are proving irresistible to banks seeking to spruce up their profits by any means necessary.
Of course, with the new market focus has come a new name. That new name is the elegantly-styled “direct [...]
Dear BLR Editor,
My 23-year nephew, who I’m quite close to has just graduated from college and doesn’t have much of a credit history. He would like to buy a new car for work but needs a cosigner. He has asked me as his parents refuse to sign it. They would prefer him to buy a [...]
In general, when our income falls short of covering our expenses, we begin to borrow. Things can get dicey when borrowing becomes a habit and later on, a necessity. Soon enough, we run up huge debts and every paycheck received seems inconsequential to the debts owed to our creditors.
If rising debt woes are taking a [...]
Buying a car is a big decision for most people. They will use their new vehicle to transport them and their loved ones to work, school, and play over the next few years, safely and hopefully, economically.
You can choose to buy a car or lease it. If you buy your car, you have the option [...]
There has been a rash of articles recently asking the question whether it is worth being saddled with tons of college loan debt to obtain a college degree.
Much of the new-found attention in the usefulness of a college degree has arisen from a recent Pew Foundation study that shows 75% of Americans believe that university [...]
Payday loans are short term loans that consumers take out for short periods against their next paycheck. The periods in question range from a few days to two weeks, typically.
These types of loans are controversial due to the very high (many would say ‘sky-high’) interest rates their fees represent. For example, fees often [...]
In February 2000, the Federal Reserve discarded the US Consumer Price Index as its preferred measure of inflation and adopted the core Personal consumption expenditures price index (PCE) or core index.
In explaining the switch at the time, the Board stated: The chain-type price index for PCE draws extensively on data from the consumer price index [...]
“Should I refinance my mortgage?” This is the question hundreds of thousands of homeowners ask themselves every year. The conventional wisdom (and intuition!) tell you that if today’s rates are low and your mortgage rate is high, then you should refinance. If the reverse is the case, then refinancing makes little sense.
The Refinance Calculator lets [...]
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