Archive for November, 2009
How do you get interest rates on credit cards lowered?
From the books that I have read and advice I have seen on tv, they always tell you to call your credit card compaines and ask them to reduce the rates. We have a few store credit cards and I called and asked and all of them said no. Is there a certain place to call? I know that I can do a balance transfer but I don’t want to get into that trap. I don’t want to consolidate them and get into it any deeper. Any thoughts. We don’t use our cards we have cut them all up but the interest rates are killing us on the balances we owe. Compaines don’t bother to send me offers!
My credit score is 742 which is on the higher range. That is why I want to get this taken care of to keep it that way.
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What are interest rates in a savings account?
I have a savings account but im confused on what interest rates are like is it the money your bank puts into your account or what? I want to have that where the bank puts money into your savings account idk what it’s called though.
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How to make a home offer, but not be locked in on interest rates before federal reserve meeting?
I (among many others) anticipate an interest rate cut at the next Federal Reserve meeting in two weeks. I’m interested in a house and want to make an offer, but I’m hesitant to do so because I don’t want to be locked in before a rate cut for obvious reasons.
Could I put a statement in the Real Estate contract addendum such as “Seller will accept pre-approved buyer’s offer, but will not require financial arrangements until September 20,2007.”?
How long after a rate cut will it take for lenders to lower their rates?
Advice?
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Poor Credit Home Loans – Some Valuable Facts!
www.realcase.com Lenders assign you a credit score any time you apply for credit. This is there way of them determining whether you are a likely candidate to give credit to, or not. The credit score is a 3 digit number, typically in the range of 300 to 850. At the low end 300 means you have very bad credit and would be unlikely to receive a loan, and on the other end of the scale a credit score of 850 would have the lender salivating at the opportunity to loan you a heap of money.
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How to make a Fixed Rate Loan/Mortgage Calculator in Excel
www.teachexcel.com This video tutorial will show you how to make a fixed rate loan or mortgage calculator in excel. It is actually quite easy to do and after watching this step-by-step example and walk-through, you will be able to make your own also. This tutorial uses the PMT() function to calculate the required payments and it is also explained in the tutorial. To follow along with the spreadsheet seen in the tutorial or to get some free excel macros or tips & tricks, go to the website www.teachexcel.com
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