#loan and finance

[annie-youcom]

The Best refinance companies: no.1 guide

The Best refinance companies: no.1 guide

The Best refinance companies Diaries There are many Gains to renewing your home finance loans, such as the use of less costly fascination rates and new payment conditions. A refinance allows you to get an improved offer on your own assets by renegotiating your unique funding phrases with all your lender or One more fiscal establishment.  We would like this to become an “earn-win” situation. So…

[retrogamingblog2]

[incognitopolls]

Answer for how long (after graduation/after stopping) it was until you no longer had any student debt, regardless of how you achieved that– including if any of it was cancelled or forgiven, or you had outside help paying it off (e.g. your parents or partner helped).

–

We ask your questions so you don’t have to! Submit your questions to have them posted anonymously as polls.

[catbatart]

Now that student loans are starting back up-

(The following is absolutely not art related at all)

Hey guys! Posting this here because I find it important-

Money is super scary shit and can cause a lot of anxiety, but please please for the love of god-

Do not avoid looking at your finances.

I cannot stress this enough. I'm in no real position to give any meaningful advice other than that. Keeping an eye on your finances and looking at them at least once a week will help break the cycle of money avoidance.

I spent most of my life being super money avoidant due to how I was raised and it caused me to get into a really rough patch because I straight up missed nearly a year of student loan payments. It very nearly fucked over my whole financial life. Thankfully it has a happy ending- I paid off my loans in 2019 and have effectively repaired my credit score (after a lot of work.)

I am currently helping some family members budget for student debt repayments because I had both fucked around and found out, so I'm trying to use that recovery and lessons learned to help the people in my life.

Please please please keep up to date with your own finances. Budget (it's honestly really easy even though it sounds intimidating.) Gamify it if you gotta. Just be sure you are looking at your account and are aware of your money situation at all times.

[opendirectories]

[orcboxer]

I've said it before but conservatives really have no concept of cost vs price. It costs $2 to produce one vial of insulin, Pfizer charges you $1000, and conservatives will confidently tell you it would cost the average taxpayer $2000 under universal healthcare. You are the easiest mark in the world. Why are you price gouging yourself?

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke 

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

When (and How) to Try Refinancing or Consolidating Student Loans

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 

Our Final Word on Student Loan Forgiveness 

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend 

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus 

Status Symbols Are Pointless and Dumb 

Advice I Wish My Parents Gave Me When I Was 16 

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending? 

Don’t Spend Money on Shit You Don’t Like, Fool

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It 

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

[secondwheel]

When you date an investor

[istandonsnowpiles]

Reminder: Unsurprisingly Joe Biden failed us again, so student loan interest starts accruing again on Friday.

That means if you can, you should start paying your loans again on Friday. You aren’t required to until October, but that allows a full month of interest to accrue on your loans. If you start paying on Friday, that’s at least one less month you’ll have to pay in the future. Because Joe Biden ain’t helping you and debt forgiveness is not real for most of us.

Debt forgiveness is real if you make below $32,800/year and you should look into the SAVE plan if you do

[copperbadge]

Hey Sam, do you remember how long it took for your student loan discharge to show up on your credit report? It's been eight months and my loans are still on my credit report and I can't get Mohela to answer me about when they'll report it. I submitted a complaint to the DoE a few weeks ago, but who knows when I'll hear back. I guess I was just wondering if this type of delay is out of the ordinary.

Oh, man, it never even crossed my mind to look. My credit score was hovering around 800 when I began the loan discharge process and is now in the 810 range, so I never bothered to check. I had to go log into CreditKarma just now to see.

I think this must be backdated, but according to TransUnion, my loans were closed in September 2020. The reason this must be backdated is that my forgiveness wasn't finalized and approved until April of 2021. Like my balance didn't zero out until 2021, but the paperwork went into the system in September 2020, so presumably the closure was retroactive to that. I don't think any closed loan falls off for several years, but I don't know how they handle an open loan that you have actually discharged. I don't know what kind of delay is normal (I may have even had one myself and just not noticed).

As far as I know carrying a student loan balance doesn't have a huge impact on your credit score as long as they're not reporting you in arrears/late, so hopefully it's not killing your credit somehow. You might consider sending a registered letter to the bureaus, disputing the error; they may be able to shake that information loose from the loan administrators. In any case, good luck with it!

Readers, if you have advice please do share! Remember to comment or reblog, as I don't post asks sent in response to other asks.

[goshyesvintageads]

General Motors Acceptance Corp, 1956

[annie-youcom]

no.1 Best home refinance

no.1 Best home refinance

The Basic Principles Of Best home refinance Comprehend the breakeven position. That’s the moment at which the discounts in month-to-month payments offset the level of the closing expenditures. This refinances calculator can assist you to come to a decision. Account icon An icon in The form of an individual’s head and shoulders. It generally suggests a user profile. Login Advertiser Disclosure…

[retrogamingblog2]

[goldkirk]

I'm so proud of myself about finances in the past couple months. I still struggle with money but I did enough meditation and journaling and practicing about it to make myself able to actually face my loans and credit cards and savings and bills and start really truly organizing and addressing them for the first time in years instead of just flying by the seat of my pants.

Like. This is a huge deal for me. I've felt like I'm in deadly danger every time I've tried to think about money for years and years. I'm finally able to look it in the face and stare it down and start to organize and plan on purpose instead of just keeping up with the minimum to stay afloat. I'm so proud of myself.

It's still a refrain of "GUILT (funny link)" every time I think about money but I'm able to actually make spreadsheets and face the numbers and monthly tracking again, and even make a new full budget which I haven't been able to do in ages.

still feel guilt, overwhelm, and helplessness, but no longer feel as much deep elemental shame and terror. that's progress baby

[allthecanadianpolitics]

Some Canadians who have turned to high-interest loans due to not qualifying for traditional credit could lose access to them as the government prepares to pass new laws targeting predatory lenders, according to the Canadian Lenders Association. The federal government is planning to prohibit lenders from charging borrowers interest rates over 35 per cent as part of its proposed criminal interest rate regulations(opens in a new tab). The cap would be reduced from 47 per cent, and would be the first time in 44 years Ottawa changed the "criminal" rate of interest. But the change could have "unintended consequences," said Jason Mullins, vice chair of the Canadian Lenders Association (CLA) and president and CEO of Toronto's consumer finance company goeasy Ltd. CLA represents over 300 lenders (except payday lenders). These companies serve small businesses as well as prime and non-prime Canadian consumers.

Continue Reading

Tagging @politicsofcanada

[lastthroes]

found out there's a pnach cheat you can use to mute nova's calls in xillia 2 (she gets REALLY insistent if your current gald is over the quantity of the next payment) and now i'm imagining nova calling him and ludger just stares at the ghs in silence and blocks her number