How To Get A Personal Loan

angel may

A personal loan can be a great way to get the cash you need to consolidate debt, finance a home improvement project or make a large purchase. The average interest rate on a two-year personal loan is around 10.6 percent, according to the Federal Reserve, compared to the average credit card interest rate of about 17.7 percent.

Whether you’re interested in borrowing from a bank, credit union or an online lender, the process is mostly the same. But getting a loan the smart way requires a little extra research and care to make sure you get the best offer available.

How to get a personal loan in 8 steps

  1. Run the numbers
  2. Check your credit score
  3. Consider your options
  4. Choose your loan type
  5. Shop around for the best personal loan rates
  6. Pick a lender and apply
  7. Provide necessary documentation
  8. Accept the loan and start making payments

1. Run the numbers

Read More

Personal Accounts

angel may

Personal accounts, including memoirs, journals, diaries, autobiographies, and life histories, are important historical sources that help us understand the human condition. Everybody has a personal history; every life has its share of joy and sorrow, victory and tragedy. These are the stories we tell about our lives that usually portray a larger picture of a life in historical context. In reading a personal account of someone far removed from your own culture and historical period, it is possible to learn about the foreign within the familiar framework of an unfolding life. The comparisons and contrasts between the lives of the reader and the subject inevitably spring to mind.

 

All personal accounts imply motivation on the part of the subject. A written document implies a certain level of literacy and an attitude of self-reflection. Orally recorded accounts require a vehicle of transmission, perhaps a scholar who records interviews with an individual.

Read More

Creating a Budget with a Personal Budget Spreadsheet

angel may

Whether you’re looking to create a personal budget spreadsheet or just get a better grasp on money management, start with these six steps.

Even if you don’t use a budget spreadsheet, you probably need some way of determining where your money is going each month. Creating a budget with a template can help you feel more in control of your finances and let you save money for your goals. The trick is to figure out a way to track your finances that works for you. The following steps can help you create a budget.

Step 1: Note your net income

The first step in creating a budget is to identify the amount of money you have coming in. Keep in mind, however, that it’s easy to overestimate what you can afford if you think of your total salary as what you have to spend. Remember to subtract your deductions, such

Read More

Quiet Light Brokerage

angel may

Quiet Light BrokerageHome – Quiet Light Brokerage


Meet the Team
that Will Help You Sell
Your Online Business

The advisors at Quiet Light Brokerage have each bought, sold, and started their own online businesses. In fact, when you look at the collective resume of the team that will help you plan your exit, it’s almost unbelievable.

Icon

Mark scaled an online magazine from 0 to 220,000 subscribers – in 18 months

Icon

Bryan founded the world’s first Internet due diligence company

Icon

Jason raised over $10 million in venture capital investment

Icon

Amanda built a company at age 24 which was featured in the TIME magazine

Icon

Amanda launched an affiliate business as a hobby – became top affiliate in 4 months

Icon

Walker authored “Buy Then Build” – a #1 Bestseller in Entrepreneurship on Amazon

Icon

Walker

Read More

To Buy Or Not To Buy: ‘How To Money’ Looks At The Housing Market & More

angel may

Spring is usually the busiest time for the housing market, but the coronavirus has changed that, too, and one listener asks Joel and Matt if they should buy now or wait until later. They’re already under contract, but have been advised that the market could be on a downturn, and if they wait, they could get a better price on the house. Not so fast, Joel says; while it’s true that banks have seen the lowest level of housing loan applications since 2015, that’s no indication that the market will change significantly, since housing inventory is still low. And right now, mortgage rates are incredibly low, so buying now with those rates could actually mean more savings in the long run than waiting for a cheaper price in the future. For that reason, refinancing an existing mortgage could be a good move, too. 

Another listener asks about the stimulus checks;

Read More