Assignment of Personal Financing

Submitted by: Submitted to:

RIMPY GERA lalit k. Bardwaj
Rollno:RS1903B33
Registration:10904221
Section:1903
VARIOUS CREDIT SOURCES
 Debt Consolidation Loans for homeowners and
management for non-homeowners. Reduce your high
interest bills and get a grip on the payments to creditors. No
credit check is required for counseling services and there is
no obligation. Our debt consolidation services can help with
paying off last year's bad debt.

debt consolidation loan can help you:

 Lower monthly payments up to 50% or more

 Consolidate bills into one monthly payment
 Pay off credit card debt in half the time, in some cases.
 Can make your life less stressful if you have too many
creditors

2. Payday Loans are instant loans for people who are in the

need for immediate cash without having to go into a local check
cashing franchise. We now offer loans of up to $1500 with no fax
required.

3. Mortgage Refinance Loans - Stop paying high interest

ARM rates and refinance your home now. The Fed has cut rates
and you can finally get a good deal on your home loan with rates
at all time lows.  Compare online mortgage lenders and save
money for life.
4. Credit Cards with Bad Credit or no credit are
available with our best offers and online applications. Credit cards
are abused so much that banks now offer secured credit cardsto
help prevent credit problems. With a secured credit card, also
called a prepaid card, you "load" your card with a prepaid amount
of money. Secured credit cards can be a good first step to
building or establishing your credit. From there, you can proceed
to a guaranteed unsecured Visa or MasterCard. Banklady's list of
lenders who offer credit cards to those with bad credit include
Centennial, Orchard Bank, and First Premier Bank. At Banklady,
we also have many new unsecured cards to help you repair your
bad credit. These special lenders offer instant unsecured credit
card approval and no security deposit.

5. Home Equity Loans from top lenders allowing you to

compare the type of loan and broker who can give you the lowest
interest and minimal fees. Home equity loans can provide you
with extra cash for a new computer, RV, a family vacation, or
home improvements, at a lower interest rate. Our home loans are
flexible; you can choose a 10, 15, or 30-year term loan, whether
you're buying a new home, a vacation property, a townhouse, a
mobile home, or that dream home you've always wanted.

6. Auto Loans comparison to find the lowest rate whether your

vehicle is new or used. Also, prepare for summertime with boat
loans and recreational vehicle loans.

7. Personal Loan online applications from $100 to $20,000

depending on your credit.
8. Bad Credit Loans for those who seek alternatives to prime
lenders.

9. Credit Repair tips and services including legal disputes. The

U.S. average credit score is 677.

Latest Rate Trends:

Mortgage company Freddie Mac said July 1, 1010, the average

rate for 30-year fixed loans sank to 4.58 percent during the week,
the lowest on records dating back to 1971. That's down from the
previous record of 4.69 percent set the previous week. One thing
to expect this year is less rate decreases by the Federal Reserve
and more home buying once the stimulus passes the House.
Mortgage rates are going lower while credit card rates are still
going up. Also, some credit card issuers are being switched
from fixed rates to variable.

A good reason to refinance now and get your rates locked in due
to the recent bad news with mortgage rates climbing, which can
be taken as good news due to a sign of a recovering economy.

Rising interest rates mean more money in your pocket if you are
being smart with your money and investing in money market and
high interest checking accounts. Lately, we just need a place to
keep our money safe away from the hasty stock market where
you can build your savings. A few examples of the higher interest
earning banks - HSBC Advance at 1.35%. We have found several
Savings and Money Market account rates up to 1.76% APY.
Debt Consolidation & Planning

We have tons of information and resources on debt. The first part

of the year is a time people find themselves trying to overcome
debt frustrations left over from the previous year. An alternative to
conquer the burden of debt is our non-profit debt counseling
team, where you do not have to have home ownership to
consolidate, as you would with a loan. more on debt consolidation

Get School Finances For Spring of 2011 Secured Now

While people are attending college at record levels the debt is

piling up at high levels in the form of student loans. Read
about college costs associated with attending universities and
what options are best at repaying money borrowed.

Loans to pay off Taxes

Yes it is the beginning of the year and it is once again time to pay
off your federal income taxes. We can help you with that personal
loan to pay off your income tax. Also, remember to save on next
years taxes by refinancing or buying a new home and writing off
the interest from your closing or settlement statement. Prepaid
interest, discount points, and origination fees, are just some of the
deductions. more on tax time tips>>

Online Banking Grows at Bullish rate

Almost half of all U.S. adult Internet users now manage their bank
accounts online, making banking the fastest-growing online
activity, according to a recent survey released from the Pew
Internet and American Life Project. The survey says that Forty-
four percent of U.S. Internet users bank online, up from 30
percent two years ago. Internet Banking Deals: Citibank has
promotions such as a credit or free IPod with new accounts.

Your Source for Bad Credit Problems

Granting personal loans for people with bad credit strikes many
as a risky practice for lenders. After all, a person with bad
credit most likely has a history of late or missed payments. But
most bad credit personal loans are actually far more risky for the
borrower. That's because such loans usually require collateral in
the form of a home, and come with extremely high interest rates
and high monthly payments. If the borrower defaults on the loan,
the lender can sell the house to make up for the loss. If a person's
bad credit is directly related to lower income, making steep loan
payments on time can be tremendously difficult. With a house on
the line, getting too far behind on the loan can come at a very
high cost.
USE OF CREDIT CARDS
1. Avoiding Fraud

Debit cards and checks are some of the worst ways to pay for
anything. Sticking with credit cards or cash can save you a lot of
money.Pretty much anything you do involves risk. When you carry
around $50 in your pocket, there is a risk that you might lose it or
get robbed. When you give a credit card to a waitress, there is a
risk that she might steal the number. When you write a check at
the grocery store, there is a risk that someone might take your
personal information and use it to steal your identity. When you
carry your ATM card with you, there is the chance that you it
might get stolen, lost, someone might watch you type in your pin
and then steal it, etc.No matter what you do, there is an element
of risk. What you want to do is minimize your financial exposure.
Unfortunately, the two money vehicles (debit cards and
checks)that are usually most touted to help keep people out of
debt are also the ones that give you the least protection from
fraud.
Let’s say someone steals your check book or uses the account
number to withdraw money from your account. You notice the
problem on your next statement and call the bank. You now have
to prove to the bank that they need to refund your money and put
it back into your account. The money is already gone, you have to
try to get it back. In the mean time, your mortgage and car
payment are due, but you can’t pay them until you can convince
the bank that fraud was committed.
Now assume that your credit card number is stolen. You notice a
bunch of fraudulent charges on your statement and you call the
credit card company. Normally, they will mark the charges as
disputed and work with the merchants to obtain proof that you
indeed made the purchases. You will pay the amount of
undisputed charg

2. Keeping Records

Credit cards are one of the easiest ways to track your spending.
When coupled with a program like Microsoft Money or Quicken,
you can easily see where your money is going and keep track of
how your spending is changing from month to month. Some
companies are adding management features into their accounts
so you can categorize charges online and view the totals for each
category even without downloading them to your computer.

3. Cash Back and Rewards Points

Most credit cards have some type of rewards program. Generally

these will give you 1% of the total of your purchases back in cash,
points toward airline tickets, gift certificates for stores, etc. When
looking for a credit card, compare these reward programs. Some
only give you the equivalent of .05% back.

4. Other Benefits
Most cards have a bunch of other benefits that are buried in the
fine print and people generally don’t take advantage of. For
example, most VISAs have an extended warranty plan. If you buy
something with a 1 year warranty and it fails 18 months after the
purchase, the credit card company will replace or repair the
device for you–even though the original warranty has expired.
Some cards offer a service where they will keep track of all of the
warranties on all of your appliances and home electronics. A
number of cards give you theft protection if you have an item (that
was purchased on the card) stolen within a certain period of time.
Other cards give you travel insurance in case you die or are
dismembered (the term they actually use) on a flight paid for with
your credit card. Many have insurance that can be used in lieu of
the additional insurance car rental companies try to sell you when
you rent a vehicle.
Some cards (particularly American Express) offer roadside
assistance, travel planning, international travel emergency
assistance and even personal concierge services.
Take the time to look through the fine print that came with your
credit cards. You’ll probably find a bunch of features that aren’t
useful to you, but you may find one or two that are actually
valuable and could save you some money.
.
Online
"You don't use a debit card online," says Susan Tiffany, director
of consumer periodicals for the Credit Union National Association.
Since the debit card links directly to a checking account,
Big-ticketitems
With a big ticket item, a credit card is safer, says Chi Chi Wu, staff
attorney with the National Consumer Law Center. A credit card
offers dispute rights if something goes wrong with the
merchandise or the purchase, 
newcustomer
Online or in the real world, if you're a first-time customer in a
store, skip the debit card the first couple of times you buy
 Futuretravel
Book your travel with a check card, and "they debit it
immediately," says Foley. So if you're buying travel that you won't
use for six months or making a reservation for a few weeks from
now, you'll be out the money immediately.