How to Get a Personal Loan Approved

get a personal loan approved bad creditIn some cases, a personal loan is desirable.

You may want to start a home business, or you may want to borrow for a vacation, or you might have some other use for the money.

A personal loan — usually unsecured — can provide you with a little extra cash to help you meet your goals.

Actually securing that personal loan can be a bit difficult, though.

Here’s a few ways on how to get your pers0nal loan approved.

And if that doesn’t work, we have offer some other options, too.
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5 Questions to Ask Yourself Before You Buy Something

Questions to Ask Yourself Before You Buy SomethingSo often, we buy something, sure that we “need” it, only to find that it’s not really something that we use again, or that we truly need.

Before you buy something, it’s a good idea to ascertain that you actually need it, and that it fits in with your long-term financial priorities.

Before you buy something that you “need,” take a step back and determine whether you really should buy that item.

Here are 5 questions to ask yourself — answer honestly:
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Is That REALLY Affordable?

During the heady years prior to the financial crisis of 2008, many people thought that they could “afford” bigger homes.

Unfortunately, as low-rate mortgage reset, it became painfully obvious that those homes weren’t affordable at all.

But we don’t have to go nearly that big. In college, I assumed I could afford something because it fit neatly on my credit card.

Often, I bought items immediately, telling myself I could afford it because I could just pay it off with my next paycheck.
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Should You Buy a Timeshare Now?

Buying a Time Share

Timeshare worth it?

When I was in college, one of my roommates’ parents had a timeshare.

They weren’t going to use it one of the weekends it was their “turn,” so we decided, as roommates, to take a mini-vacation and stay in the timeshare.

It was a lot of fun, and it got me thinking that maybe, when I grew up, I’d like to rent or buy timeshare.

I’ve changed my mind since then, however. I don’t think a timeshare is right for me — and certainly not the type of timeshare that locks you in to one specific location. What happens if you don’t want to vacation in the same place year after year? There are other timeshare options available out there now, and some might even be a good deal, if you are a certain sort of person. [Read more…]

What’s Your Stuff Worth? Get Cash for Your Belongings

Under my crawl space, in a Rubbermaid bin, I’ve stored a collection of porcelain chickens. I don’t particularly care to keep them, so I’m thinking of selling them. However, I’m not sure how much they’re worth.

Before selling them, I need to do a check. I’m pretty sure, just from eBay, that at least one of them is “worth” something around $75. But, seeing as some of these chickens are bone fide antiques, I’m thinking I might want them appraised before I try to sell them.
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Strategies for Beating Market Volatility

You’ve probably noticed that the stock market has been a little bit volatile lately. Dropping by hundreds of points one day, and then gaining hundreds of points a day or two later. There is a great deal of uncertainty right now, and that usually means market volatility as investors try to figure out what to do next.

While there is no way to completely protect your investment portfolio from the dips in the market, and there is no way to predict what could happen next with any sort of accuracy, there are some things you can do to keep from letting market volatility ruin your financial futures. Here are a few things to try:
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Dollar Cost Averaging: An Overview

One of the ways that you can build wealth for your future is to invest.

In the past, investing presented problems for those who didn’t have a large chunk of capital. Now, though, investing is possible for just about anyone. Thanks to the rise online brokers and increasing popularity of funds, it is possible for you to get started with $50, and a relatively small amount of money each month.
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When is Bankruptcy Acceptable?

Most of us don’t like to think that bankruptcy is acceptable in any circumstance. After all, if we incur debt, shouldn’t we pay it? However, the recent economic turmoil, and the long, long recovery time expected for the economy and job market (some say the job market may never recover), some are beginning to rethink their ideas of whether or not bankruptcy is acceptable.
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How to Buy Stocks for Your Kids

As a parent, it is natural to want to give your child the best possible start, especially when it comes to money. You want to teach your children good money habits, and them develop good practices that will allow them to succeed financially. In many cases, this is about more than just teaching budgeting 101 and how to avoid credit card debt. Many of us also want to help our children learn the ins and outs of investing.
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