Auto Loan Borrower's Cheat Sheet

Written by Joel Walsh

Most people really get taken for a ride on their auto loan. Did you know that differences inrepparttar total cost of different auto loans forrepparttar 151181 same car can run into a thousand dollars or more? Here’s how you can getrepparttar 151182 lowest rate:

• Make a list of different auto loan lenders and their interest rates and terms, before you go torepparttar 151183 dealer (the web is usuallyrepparttar 151184 easiest way to do that). Did you know dealers get a commission onrepparttar 151185 loans they refer? If you’re not careful, that extra bit of money forrepparttar 151186 lender could mean you pay a higher rate than you would if you gotrepparttar 151187 loan yourself.

• Get a credit report and figure out your FICO scores. Removing any incorrect negative information from your report will help you get a better deal. Knowing exactly what your score is will help you figure out what interest rate you can realistically get.

Buy houses at discount prices

Written by John Whiteside

Buying a house isrepparttar best way you can create immediate equity. Gaining equity through buying a house is something which is very easy to do, as long as you follow these guidelines.

If you are seeking to buy a house under discount value you must haverepparttar 151180 right mindset:

"The deal of a decade comes along about once a week" - Dolf De Roos, Real estate investor.

Houses being sold below market value are out there, its just a matter of knowing where to look andrepparttar 151181 buying strategies you use.

So where can I find houses being sold for a discount?

Find motivated sellers. Some examples of these sellers are people who have experienced death, divorce, bankruptcy,repparttar 151182 less intelligent, people who have deadlines, and are developers.


When bankrupt an individual will haverepparttar 151183 option of selling their house to a third party, most likely at a cheaper price than market value because they needrepparttar 151184 money fast. If an Individual is bankrupt andrepparttar 151185 bank isrepparttar 151186 creditor,repparttar 151187 bank will takerepparttar 151188 asset (the house) and have a foreclosure sale. You will often find a cheap price there as well.


Although this may seem like profiting of someone else's misery, its not really. Ifrepparttar 151189 house is not included inrepparttar 151190 persons will, it must be sold, someone has to buy it. Ifrepparttar 151191 deeds torepparttar 151192 property are transferred to someone else there is often a good chance they will not want to hold onto it and want to sell it quickly.


When couple breaks up things often get nasty and they both want to be separated as soon as possible. They will often settle on selling their house for a lower price but quickly.

Less intelligent:

Sometimes people are selling properties with outrepparttar 151193 help of a real estate agent and will not knowrepparttar 151194 exact value of their house. They will usually price their houses too high because of emotional attachment to it. Onrepparttar 151195 flip side they might be ignorant ofrepparttar 151196 real market value and sell it for less than its worth.


Oftenrepparttar 151197 best place to find deals. People with deadlines need to sell their property quickly. They may be going overseas or needrepparttar 151198 money fast. Almost all people with deadlines will sell their houses at a discount.


In some circumstances property developers may have over extended themselves on a project and need to cut their loses. You can pick up discount houses from their mistakes.

Always ask whyrepparttar 151199 house is being sold so you can determine whetherrepparttar 151200 seller is motivated or not.

Other sources

Great places to look are underrepparttar 151201 classified section inrepparttar 151202 newspaper, look for things like "Urgent" or "Heavily reduced". What I love about ads underrepparttar 151203 classified section is that real estate agents are not often involved. This is good because real estate agents will often try to push uprepparttar 151204 price of a property so it is above market value. People without real estate agents often do not knowrepparttar 151205 true market value of their property.

Just because there isn't a "For Sale" sign on a house does not meanrepparttar 151206 home owner would not sell forrepparttar 151207 right offer. Although chances of finding someone to sell there house through this method aren't very high, you can find great deals by making offers that a home owner might just take.

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