Internet Payday Loans: Tricks And Tips

Written by Joel Walsh

Continued from page 1

• Long-term short-term loans. Payday loans are meant to be short term--a couple of weeks at most. But many lenders will be only too happy to let you stretch out your loan's payback date, since it means they can keep charging interest. Make sure you know exactly how much a late repayment will cost you before accepting this kind of arrangement.

Beating Online Payday Loan Lenders at Their Own Game: Tips

• Take advantage of no-interest payday loans for new customers, just as long as you are absolutely sure you can pay them back on time or they'll go from free to expensive. After all,repparttar biggest risk for any kind of cash advances arerepparttar 150929 enormous fees if you don’t pay on time. If you can avoid paying interest, your problems are mostly solved.

• Make sure your online payday cash advance or loan lender is legit. Check to see whetherrepparttar 150930 lender is a member ofrepparttar 150931 Better Business Bureau--the site will displayrepparttar 150932 logo prominently ifrepparttar 150933 business is a member.

• Before you get your payday advance, create a quick budget for how you are going to payrepparttar 150934 loan when it is due. Take into account any additional bills or expenses that will come up between now and payback day—and between payback day and your next pay check.

• Markrepparttar 150935 payback due date on your calendar, your computer at home, your computer at work, your cellphone, your refrigerator magnets--you getrepparttar 150936 idea. Online payday loans only become risky and expensive when you don't pay on time.

• Compare lenders' annual interest rates and fees. Make sure you knowrepparttar 150937 exact cost of repayingrepparttar 150938 loan so you can make an accurate comparison.

You have to do your research if you want to get a good payday loan, but thanks torepparttar 150939 internet, that's one part of payday loans that's actually easy.

Joel Walsh is a regular contributor to Read his other articles, with even more secrets on getting a good payday loan online: [HTML publication requirement: use "payday loan online" as the anchor text/visible link text for the URL:]

Auto Loans: Don’t Dig A Money Pit In Your Garage

Written by Joel Walsh

Continued from page 1

How Much Car Debt Can You Afford?

1) Make a list of your average monthly non-car expenses, and subtract them from your earnings. ____your monthly after-income-tax income -___any other taxes -___housing (including any fees and property taxes, and utilities) -___food -___health insurance or HMO -___life insurance -___debt payments -___401 (k), IRA, or other long-term savings -___short-term savings -___telephone, cellular phone, cable, internet, etc. -___entertainment and fun stuff (be honest!) -___cost of yearly vacation(s) divided by 12 -___other expenses

= ____what you can spend on a car

2) Subtract your monthly car-related expenses fromrepparttar amount you have left over from your other expenses.

___What you can spend on a car (from above) -___Amount you’re spending per month on gas (raise or lower this figure depending on whether you are getting a car with higher or lower gas mileage). -___Monthly maintenance (remember: your new car won’t stay new long, so maintenance will be an issue). -___Monthly insurance (remember that for a new car, your insurance premiums may go up). -___Tax. = ____ Maximum monthly loan payment.

Now plugrepparttar 150928 number above into a vehicle loan rate calculator to figure out big of a car loan, and how much interest you can afford.

Final Hidden Auto Loan Danger: Unnecessarily High Rates

If you simply takerepparttar 150929 first loanrepparttar 150930 dealer offers you, you are probably paying too much. Do some comparison shopping onrepparttar 150931 internet, and bring a list ofrepparttar 150932 best loans with you when you negotiate loan terms withrepparttar 150933 dealer.

Don’t letrepparttar 150934 dealer cheat you by shiftingrepparttar 150935 cost fromrepparttar 150936 car loan torepparttar 150937 car price torepparttar 150938 deal on your trade-in. Make sure you get a good deal overall.

Congratulations! You now are far better prepared to stay out of an auto loan money pit thanrepparttar 150939 vast majority of car buyers. Now you’re ready to go shopping for a loan.

Joel Walsh is a regular contributor to Read his other articles, with even more information on getting the best car loan: [Web publication requirement: use "car loan" as the anchor text/visible link text for the URL:]

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