Mortgage Clarksville - Find the best deal

Written by Mark Lambie

Continued from page 1
that aren't in Clarksville? The answer to that is simple,repparttar internet. If you haven't come across them already there are many websites that will ask a few questions about your loan requirements and then compare them with a database of lenders. The result is a few lenders will contact you knowing exactly what you want and can often offer some great deals. There are lots of these sites all around but we recommend you use out site located atrepparttar 150082 bottom ofrepparttar 150083 article. As with many of these sites out services are free and there is no obligation for you to continue with a particular lender. By taking a few minutes to compare your offers that you got offline torepparttar 150084 ones you can quickly get online you can guarantee yourself that best deal. Imagine you were happy with a local broker and you thought it wasrepparttar 150085 best deal. Just to make sure you applied online and found a lender that was offeringrepparttar 150086 same terms and your monthly payments were $100 dollars less. I have witnessed this many times, andrepparttar 150087 interest savings can me huge.

Mark Lambie is the founder of The Loan House a website that allows consumers to quickly and easily get mortgage quotes and mortgage information.

Avoiding College Credit Card Traps

Written by James H. Dimmitt

Continued from page 1

2) NEVER use your credit card for a cash advance. The fees and repayment structure associated with a cash advance are outrageous.

3) Have a budget! Your credit card is not free money. Budget your money so that you can pay off your balance atrepparttar end of each month. If you can’t pay offrepparttar 150081 balance, always make more than justrepparttar 150082 minimum payment.

4) Pay your bills on time, otherwise you’ll pay a late fee between $25-40 every time your late with a payment. Late payments will also increase your chances of having your percentage rate raised on ALL your credit accounts.

5) Request a low credit limit somewhere between $700-$1,500. The object is to have credit available to meet some of your expenses and in case of an emergency.

6) Less is better. You don’t need more than one or two cards atrepparttar 150083 most. The more you haverepparttar 150084 more tempted you’ll be to use them or to “max” them out.

7) Consider using a debit card instead. A debit card is linked to your checking account and purchases are automatically deducted from your account balance. Of course, make sure you have money in your account to cover any purchases you make.

Using a credit card is a big responsibility whether you’re a college student or an adult. Managing your credit wisely establishes a positive credit history which will serve you now and well intorepparttar 150085 future.

© 2005, Author: James H. Dimmitt James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his e-book “IDENTITY THEFT- How To Avoid Becoming the Next Victim!” and other bonuses by visiting

    <Back to Page 1 © 2005
Terms of Use