OTHER USES FOR COFFEE TABLES

OTHER USES FOR COFFEE TABLES

It’s easy to collect too much furniture from relatives gifting family heirlooms or from a simple change of decor, but piling a collection of furniture in the basement certainly isn’t going to dwindle that stack of storage. Read More

SOME HOUSEHOLD PRODUCT YOU SHOULD JUST BUY ONLINE

SOME HOUSEHOLD PRODUCT YOU SHOULD JUST BUY ONLINE

With full time jobs, and bursting schedules more people then ever are turning to online grocery as a way to relieve some of the duties that absolutely need done, when there just isn’t enough time. Read More

 

Category Wealth Management

How to Get a Personal Loan for Yourself

Taking out a personal loan for yourself is ideal if you have unpaid bills, a medical emergency or if you are simply looking for a bit of extra cash until your next payday. When you want to take out a personal loan for any reason, knowing how to prepare for the process can ensure you save time while getting the best deal possible.

 

Review Your Credit Scores

Getting a personal loan for yourself or someone in your household requires a bit of research ahead of time to better understand your current credit and FICO scores. You can request one free credit report each year right from home online from the official US government. It is also possible to inquire about your own credit scores with the use of professional online services that require monthly or annually subscriptions for monitoring purposes. The better your overall credit score is, the easier it is to get the loan you need with a lower interest rate altogether.

 

FICO Credit Scores

 

Shop Around for Different Loan Options

Shop around and compare different local and online personal loan options available to you, regardless of your credit score and the amount in the loan you are looking to take out at the time. Check out CIMB personal loans to compare all of the options available and those you qualify for based on your current income as well as your credit and FICO scores.

 

Compare Personal Loans Online @ iMoney

Compare Personal Loans Online @ iMoney

 

 

Check Fees and Terms and Conditions

Any time you want to take out a personal loan for yourself, it is essential to check and read all of the terms and conditions that come with each loan agreement you sign and take out in your name. When you find a loan office you want to work with, be sure to inquire about any additional fees you will be required to pay back in addition to the loan you have taken out. Understanding interest rates along with late feel penalties is a way for you to find a loan solution that works best for you and your current income or financial situation.

 

RHB Bank Personal Loan Key Info

RHB Bank Personal Loan Key Info – Credit iMoney.my

 

Getting a personal loan for any reason is a way to stay financially afloat in difficult economic times. Whether you need to pay bills immediately or if you are seeking a safety net for you and your entire family, researching personal loans can help to get you back no track, regardless of your needs and your current financial situation.

 

 

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Debit or Credit Card: Which is Better for Use Overseas

Consumers who spend a lot of time traveling may wonder whether a debit or credit card is best for overseas usage. The truth is that it depends on the company that is offering the card. Debit cards have many of the same advantages as credit cards. The main difference is that the balance on the debit card is consumer controlled instead of company mandated. A customer can use either a Visa credit card or a debit MasterCard to purchase goods in the United States and abroad. The elements that a consumer should review before traveling are as follows:

 

Foreign Transaction Fees

Visa credit cards and debit cards both come with foreign transaction fees. Foreign transaction fees are fees that companies charge for purchases in other countries. These can be as high as 1 percent or as much as 3 percent of the transaction depending on whether the customer receives a double charge from his or her bank. In this case, a bank debit card could be the least friendly contender when it comes to traveling abroad. A new credit or debit card applicant can read about foreign transaction fees in the “terms and agreements” section of the card application.

 

Visa Card Foreign Transaction Fee

Visa Card Foreign Transaction Fee

 

Bankwest Breeze Platinum MasterCard Credit Card With Zero Foreign Transaction Fee

Bankwest Breeze Platinum MasterCard Credit Card With Zero Foreign Transaction Fee

 

 

International ATM Fees

Credit cards and debit cards can have high international ATM fees attached to them. Every time a consumer withdraws money from an international ATM machine, he or she could be looking at an additional $2 or $5 charge for the transaction. The same flat fee may apply to all purchases whether they are small or large. Therefore, a person who needs to take out $20 at an international location might have to give the credit card company 25 percent of that for the service. The best way to avoid this fee is to bring enough cash for the trip.

 

Schwab Bank Visa Credit Card with No ATM Fee

Schwab Bank Visa Credit Card with No ATM Fee

 

Travel Insurance

One good benefit that some Visa credit cards and MasterCard debit cards may offer its international travelers is travel insurance. Such insurance covers travelers when they are in other countries. The insurance covers things such as loss, theft, damage and automobile accidents. The benefit may also offer emergency vehicle services such as a fuel refill or tire replacement. Many Visa cards add this benefit for its qualified members. Business persons and travel lovers should always look for this helpful addition when they are reading about credit card and debit card benefits (see UOB Bank Debit MasterCard). Some travel insurance policies offer large amounts of coverage.

 

Visa Signature Card

Visa Signature Card – Automatically receive accident insurance coverage for yourself and your family when you pay for travel tickets with your covered Visa Signature Card.

 

World MasterCard

World MasterCard provides coverage for lost luggage and delays, trip delays, trip cancellations, missed connection and more.

 

 

The Conclusion

Debit cards and credit card both come with a wealth of positive attributes. Choosing the best option is the customer’s duty. One should always use a comparison tool to find the best deals for debit card and credit cards. Many factors are variable, so finding the perfect mixture of benefits may take a while. To minimize one’s expenses during traveling, he or she should speak with a customer service agent about any premium features that may be on the card.

 

 

 

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