Quick tips for how to refinance your car loan

Melissa Ovale was looking to refinance her car loan, mainly because the current interest rate was so high. The Long Island, New York, resident recalls receiving many refinance offers—including from lenders that wanted to extend her loan, but barely lower her interest rate. Finally, one lender offered a lower interest rate—and only one extra payment. “I was pre-approved, too,” Ovale recalls, adding: “Which made it easier.” Soon, Ovale went from paying $520 a month, to $400. “Most people don’t know…

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Baby Boomers Might Just Wreck America

Maybe it’s not the Republicans’ fault. Or the Democrats’. Or even the do-nothing Congress’s. Maybe the nation’s biggest problem is a generation of leaders that have fallen hopelessly behind what’s happening in the real economy. Bill Clinton became the first baby-boomer president when he took office in 1993, and whoever wins this year will be the fourth president from the baby-boom generation, loosely defined as those born between 1946 and 1964. Republican Donald Trump was born in 1946, the same…

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Panicked Brits Rush To Buy Gold Bars

While we have to wait two more days to find if the scaremongering behind Brexit’s “Remain” campaign has succeeded in terrifying enough residents to vote against exiting the EU, one group has been delighted by a Breferendum that has been defined by fear, terror and even more fear: sellers of gold and personal safes. According to the Telegraph, worried British savers (yes, they still exist in this time of QE and age of NIRP) are scrambling to buy gold bars…

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Pell Grant Shocker

NEW YORK (MainStreet) — Students who used their Pell Grants to attend Corinthian Colleges as the for-profit college chain was being shut down find that they are not only out on the street, but lost have their Pell eligibility in the bargain. Now a bill making its way through Congress, the Pell Grant Restoration Act of 2015, plans to change the game so former Corinthian students will be eligible for Pell at other schools. Pell Grants are available to low-income students…

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Applying Financial Aid Just Got Easier

Applying for financial aid can be a pain. But the federal government will start allowing students to file their applications three months earlier, aiming to make the messy process a little easier to handle. Starting next year, students can file the free nationwide financial aid application (known as FAFSA) as soon as October 1, using tax data from the previous year. The FAFSA determines whether a student is eligible for federal aid — like Pell grants and loans — as…

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MONTHLY INVESTMENT PLANS AND WHO MUST INVEST IN THEM

If you have enough cash to put aside and are looking at a more organized and disciplined investment option. An investment option that would fetch you better returns and gives you regular income, with little or moderate risk involved, it would be wise to opt for a debt fund. And if you are hunting for a fund that is systematic in nature and allows only small amounts to be allocated to equity or balanced fund as per the risk appetite….

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China Just Screwed You. Unless…?

At Rich Dad, we are always telling people they need investments they can control. Relying on the government or your employer is never safe or secure. Neither is relying on the markets. Markets have cycles and patterns but they are also victim to the whims of a lot of different forces. This week China was the force changing the market. The leaders in China needed to do something to bolster their economy. They chose to fire the first volley in…

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Free Dental Care Clinics

What a great resource and a great way to give back! Dentists across the nation will be holding “free dental care” days in conjunction with Dentistry from the Heart. These clinics are for people who do not have dental insurance. Cleanings, filings, X-rays… they are all free! According to their website, “Dentistry From The Heart is a registered non-profit organization dedicated to providing free dental care to those who need it. Every year, individual dentists and practices across the country…

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6 Debt Repayment Options

If you want to pay off your debt, you have to make some tough choices. The first of them is which debt repayment option will you choose. There are pros and cons of each option and the one that’s best for you depends on your debt, your income, your monthly expenses, the importance of your credit rating, and how much of the debt you want to pay off. Here are six debt repayment options to consider. 1.  Pay On Your…

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How Much Popular Food Franchises Cost

We have compiled a list of the most popular food franchises and the costs involved to open each one. 1.  McDonalds Franchise You will need a minimum of $300,000 in non-borrowed, personal resources to be considered for a franchise. Most Owner/Operators enter the System by purchasing an existing restaurant directly from McDonald’s or from a McDonald’s Owner/Operator. A small number of new operators choose to purchase a new facility, but that requires an initial down payment of 40% as opposed…

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