bonita_mamacita_mija asked:


i want to get a house loan for my first time and i dont what is the first step to getting it i was told to go to morage calculators and i dont know what bank or who to go through if there is some one that has or had the same problem tell me what you did

Link to Blog: Issues surrounding Risk

bebka1212 asked:


Ik kwalificeer voor belastingkrediet $8.000, maar als ik $8.000 van een vriend leen en het naar mijn aanbetaling van mijn huis zette en dan doe mijn belastingen en ontvang mijn $8.000 van IRS. Zou ik dat controle aan de kunnen geven vriend dat me het geld leent?

search results

Sarah asked:


Looking to take out an urgent payday loan of bewteen £200-£500 loan asap only problem is im currently out of employment but,have £5000 due into my bank @ the end of the month so ill be able to pay it off then but i need this £200 at least by the next couple of days

Im based in the UK - can anyone suggest any companies that can help? thankyou sooo much x

Link to Blog: Collateral for loans

DodgeLuvr asked:


My understanding is that the bureaus get it from applications you fill out for credit. What if you haven’t applied for any credit for a few years? How do they keep this information current?

Link to Blog: Lending and Borrowing

Eric L asked:


My wife and I were married in August 2007. First off, according to my WaMu online statement page I have a 678 credit score based upon Bancard Industry FICO. My credit history isn’t that great. I had a car repo’d in 1998. That judgment has since fallen off my credit report. I finished school in 2001 and started my job in 2002. I have been with my company for 5 years 3 mos. and make about $42K a year. I was delinquent on bill paying in the past but have not been late or missed a payment since 2002. My wife and I have 4 credit cards and 2 car loans. We also have IRAs 401(k)s and some funds in a CD. My wife has been employed with her company since 2004. She makes about $45k. We aren’t sure what her credit score is but we know that when she bought her car in 2005, it was a 664. We both have student loans. According to the “How much can we afford calculators”, we should be able to get about $200k for a house. Based upon our credit, what do you think is more realistic in todays market? Thanks

Link to Blog: Valuations

B B asked:


I’m just looking for the lower ratio.. the one that just takes in to account PITI, not including other loans, because I don’t have any debt.

I saw on a mortgage affordability calculator that it is 30 or 30/39. Is 30% normal or can you go higher? I don’t take on car, credit card, student loans, so I think I can afford higher for the lower number. I’d be putting 20% down.

Link to Blog: Health Insurance Cover

JustOneLife asked:


I have to write about my dream car for my math class and I am having trouble figuring out hpw much the car payments would be. (I’ve tried going to edmunds.com and using one of those car payment calculator and I still have no clue how it came with the car payment amounts. I really **** at math so bear with me please). My dream car costs $23, 745.00 and my professor gave us a list of finacing options:

1.) Trade in your current car for $5,000 and repay the balance by making monthly payments for four years at 3.9% compounded monthly.

2.) Makeno down payment, but have monthly payments for 5 years at 4.5% compounded monthly.

3.) Make a 10% down payment and thenn add the tax (6%) to find the amount to be financed and then make monthly payments for 3 years at 3.3% compounded monthly.

I’m also having trouble figuring what formula (if any) that I should use. Simple Interest Formula = I=PRT, Compound Interest Formula= F
=P(1+ R/N)raised to NT, Amortized Loans Formula: P=R(1-(1+ R/N)raised to a negative nt divided by r/n.

Link to Blog: Consolidating Your Debts

Niru asked:


I called up credit bureaus toll free numbers but can’t find an option to change/update my address.

Link to Blog: Investing

Elle asked:


I’m looking into buying a car, my first car purchase, it’s a 2006 VW Jetta, and I plan to get my financing through Capitol One or my bank, so how does that all work? I mean I know how much I can afford using the auto loan calculator but how do I know if I can afford the loan for the cost of the car and the tax and title?

The car is listed at $13,995 and I’m not sure if I can get them to go down any because it’s already well below KBB value. I have $3,000 down and with my desired payments I can get a loan for roughly $11,300. How do I figure out if I can afford this car??

I live in Texas.

Link to Blog: Investing

Are there any newspaper editors and/or English teachers willing to lend a hand in editing 500 words?

By: danieljenright

About the Author:

heartburn