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To get a secured loan you need to have some collateral, and in exchange you’ll enjoy lower interest rates.

Interest rates are largely decided by the level of risk the lender is taking with your loan. By offering some form of collateral the lender has a way to retrieve the money one way or another and because of this your interest rate lowers.

You have a number of collateral options. The most common thing to use is your home, the next most common being your vehicle. In either of these cases you can go on using your property as normal. You sign a note stating that in the case you fail to make your payments your property will be forfeit and the lender will sell it to make up the money you owe. It’s good to note that the only kind of secured loan that banks will usually do are second mortgages. Read more of this >>

Are you looking for a loan and you know that you have poor credit. Do you want to find the right type of personal loan for your needs? There are many different types of personal loans that you can get and it all depends on what you need. You can even get personal loans with poor credit if you need to. Here are some of the easier options for you.

First, you can get between $100 and $1,500 very fast with a payday loan if you need the cash and you need it today. This is the fastest and easiest of all the personal loans with poor credit because they only check your income with a pay stub and they just require that you have a checking account. You can even get this type of loan online with a savings account if you do not have a checking account. Read more of this >>

Moses is alleged to have received the 10 commandments on a mountain top, Now a new voice has been added from the Tower of FICO and the ordinary way of doing things has changed.

A successful marriage has always required astute planning, particularly financial. From years as a marriage counselor, it is my experience that the major hurdles are sex and money but not necessarily in that order. . And interestingly enough I required that any participant in the Marriage Symposium I sponsored be married a minimum of five years. This is an arbitrary figure determined by myself I have found that those married over five years have different problems than those married less. After five years the romanticism has flowered and the reality of spending your life with someone sightly different from the one I married has begun to come crashing down.

But these new FICO rules are raising havoc with married couples as well as with partners and live-ins.. For years it has been common practice to include one’s spouse as an authorized signatory on the other spouse’s credit cards.

At first blush, it seemed so romantic – signifying the oneness of our union. Then it became a practical matter. Put the spouse on the gasoline credit card so each could purchase fuel for his/her car at one’s leisure. Read more of this >>