When you take out an auto loan, there are a few factors that can affect how much you pay. Most people don’t think about these things until they’re in the middle of negotiating with their lender. But it’s important to be aware of them beforehand so you know what to expect when it comes time to sign on the dotted line. This post covers three major factors that could influence your auto loan rates. Read More»
One of the most basic decisions involving mortgage loans involves the way the interest rate will operate. Borrowers and mortgage lenders can usually choose between rates that are fixed or variable, although there are some limited hybrid options. Let’s look at what fixed and variable rates are with an eye toward which approach you might choose. Fixed vs. Variable Rates A fixed-rate loan is exactly what it sounds like. You and the lender negotiate a rate that will stay the same for the life of the loan. Read More»
Managing your wealth is a major responsibility that is essential for ensuring that you are protecting your future quality of life. Unfortunately, individuals may struggle with managing their assets, investments, and liabilities. For these individuals, working with a wealth management provider can be an effective option for meeting their financial needs. Wealth Management Providers Offer More Than Just Assistance with Investing There is a common assumption among some individuals that a wealth management provider will only be focused on the investment options that their clients can pursue. Read More»
If someone you know has recently been arrested for a non-capital offense, they may have had bail set for their release. Bail is an amount of money to be paid to a court that guarantees the release of the accused on the condition that they appear in court for their trial on an appointed date. While the bail amount set by a judge may be relatively low, many cases feature bail amounts that many people find difficult to pay as a lump sum. Read More»
When it comes to the terms of mortgage loans, the 30-year payment plan is the most common choice. You may be thinking a 30-year mortgage is the only available option. However, this is not necessarily the case. Take a look at why the 30-year loan is so popular and what some of the alternatives are. How 30-Year Loans Dominate The dominance of the 30-year structure is a case where the market has found an equilibrium. Read More»