Loans for Every Occasion: Home Loans, Payday Loans, Student Loans and more …

March 22, 2020

| general, government, law, Legal, politic

At some point in life, it is almost guaranteed that you will be applying for a loan of some sort. Paying cash for products and services is not only becoming obsolete, it's terribly inconvenient. Today, credit is a way of life, and as more and more people begin to shop online, plastic is the currency accepted everywhere.

The most basic of loans is of course, the credit card. Companies that issue credit cards make money every month that you carry a balance, and they are betting on the fact that you won't pay off the balance every month.

Some loans actually make good business sense. Why would anyone want to shell out $ 300,000 for a new home when they could get a Home Loan and pay $ 1,000.00 a month, and then deduct the interest paid from their income taxes? That three hundred grand could be put to work … Read More

Home Buyer Grants and Loans for the Disabled

March 21, 2020

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| general, government, law, Legal, politic

Looking for housing, paying the mortgage, maintenance and bill payment can be a daunting task for low income earners especially with disability problem. The US government, state agencies and nonprofit organizations offer financial assistance, guidance, counseling and other necessary support to the disables through varied grants and loan programs for the purchase of home, paying home debts, mortgages, acquiring equipment, home repairs and improvement and other such dwelling necessities. With these grants a descent living even with limited economy seems to be affordable now.

Housing Grants for the Disabled

Department of Housing and Urban Development

There are many grant funded programs offered through the Department of Housing and Urban Development (HUD) for helping individuals with disabilities. They provide help in house purchase, renting a home and also assistance in obtaining housing vouchers. The federal housing program provides financial help to medium or low-income families in renting or purchase of a … Read More

PBS Reports On Student Loans – A Leftist Slant Of Reality

March 21, 2020

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| general, government, law, Legal, politic

As a conservative or right-leaning gentleman, I can sniff out leftist propaganda quite easily, and mind you, that's not so hard, considering it is virtually everywhere in our society and has infiltrated our corporations, government and even our own families. Yes, everyone has their point-of-view (POV) on politics and that is perfectly acceptable – except for one thing, on the left it really isn't someone's actual POV, rather it is one of a brainwashed mindset from repetition, false argument and propaganda. Let's take this growing and out-of-control college student loan crisis we are in today.

Did you know that nearly 50% of all student loans are in default or not a single payment has ever been made, with a huge chunk of the outstanding $ 1.35 Trillion – yes, that's correct with a "T" – hasn't shown a payment in over 7-years? We are told, or were told by the … Read More

Free Grants and Loans For Pregnant Women

March 21, 2020

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| general, government, law, Legal, politic

Pregnancy is a package of joy for the expecting mother, but concerns over financial matters can be quite perturbing and troublesome. The prenatal and postnatal period can prove to be highly expensive, especially for single or income earning mothers. Expenses like food or baby supplies, medical care, housing, college, nutrition, paying debts and others require financial assistance. The U.S. government thus, provides social programs, loans, grants for expecting mothers through several federal, local and state agencies for the best aid possible during these crucial periods.

Housing Grants

For birthing or expecting mothers and their children, the U.S. government offers housing assistance for an affordable and secured living. Moreover, the government also helps pay off housing debts, overdue mortgage or rents. The Florida Department of Children and Families extend aid to pregnant mothers to pay their due mortgage, to secure funds for rent and afford a living. You may also check … Read More

Introduction to Business Loans

March 20, 2020

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| general, government, law, Legal, politic

Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business – machinery, real estate,

There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of … Read More

Free Government Loans – Grant Money That Never Has to Be Paid Back

March 20, 2020

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| general, government, law, Legal, politic

Free government loans…is this an oxymoron or what? I mean the definition of the word “loan” is something you are required to pay back, while “free” means you don’t have to pay. There is no wonder that many American citizens are reluctant to believe that there are free government loans available to them, there are not. However, you may still be eligible to receive hundreds of thousands of dollars in free government money, and never have to pay it back. The misinterpretation is in the terminology used to describe government free grant programs.

The free government loans that are commonly dismissed by thousands of qualified would be applicant each year due to disbelief, are actually free government grant programs. While the application process for free grant awards is quite similar to that of the loan process, and you will receive generous funding and supplemental income support if found eligible to … Read More

Small Business Loan Update – Stimulus Bill Helps Bailout Businesses If They Cannot Pay Loans

March 20, 2020

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| general, government, law, Legal, politic

As we continue to sift dutifully through the over 1,000 pages of the stimulus bill (American Recovery and Reinvestment Act of 2009), there is one provision that is not getting much attention, but could be very helpful to small businesses. If you are a small business and have received an SBA loan from your local banker, but are having trouble making payments, you can get a "stabilization loan". That's right; Finally some bailout money goes into the hands of the small business owner, instead of going down the proverbial deep hole of the stock market or large banks. But don't get too excited. It is limited to very specific instances and is not available for vast majority of business owners.

There are some news articles that boldly claim the SBA will now provide relief if you have an existing business loan and are having trouble making the payments. This is … Read More

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Tag: Loans