Should I ask friends for a personal loan to help with high rate credit cards?
Hello–I now have a full-time job and live with my boyfriend (sharing rent and all expenses), but I am still unable to pay off all my credit cards (with a very hight rate of 30%). In 2 years +, I’ve only managed to pay the interest, nothing more, so I still owe the exact amount as in January 2004. I am desperate and thinking of asking some of my friends for a personal loan at a more reasonable rate…What do you think? Would that ruin our friendship? Is it a terrible idea? (Thank you, I’m very much at loss.)
I am a new Loan Officer, what can I do to help other refinance, get pre-approve or do home loans for them?
I am a new Loan Officer and was wondering on how to bring in people who wants to refinance, get pre-approve or do home loans either thru emails or something?
Is Pres. Obama’s healthcare plan going to hurt middle class Americans more than help?
A family of four headed by a 45-year-old making $63,000 a year is in the middle of the middle class. But that family would pay $7,110 to buy its own health insurance under the plan from the committee chairman, Sen. Max Baucus, D-Mont.
The family would get a tax credit of $3,970 to help pay for a policy worth $11,080. But the balance due — $7,110 — is real money. Maybe it’s less than the rent, but it’s probably more than a car loan payment.
Kaiser’s calculator doesn’t take into account co-payments and deductibles that could add hundreds of dollars, even several thousand, to a family’s total medical expenses. A Congressional Budget Office analysis estimates total expenses could average 20 percent of income for some families by 2016.
Here is the entire AP article:
http://news.yahoo.com/s/ap/20091004/ap_on_go_co/us_health_care_affordability
Buying my first car from a dealership. . questions! HELP?
I’m planning on getting a loan from a dealership for my new car, since my old one is just.. well, its old. I don’t want to buy a cheap car with the 1k I have and end up with many problems. I don’t plan on fixing my old car either, it’s not worth the money or time I’d put into it. The most I can make on a down payment would be MAYBE $1,300. The LEAST $1,000. I already have that much saved, but I lost my job. (I’M NOT AN IDIOT, I KNOW I HAVE TO HAVE A JOB TO GET A CAR. I’M WORKING ON THAT) In the meantime, I have a few questions.
•Would $1,000 be enough for a down payment?
I’m only look to buy a car for around 5,000.
•Do they even offer payment plans on cars for 5,000? Is it higher?
I will pay the minimum amount, even if its 7k-10k. That’s fine with me.
What would my interest rate be?
••• PLEASE no calculator sites, they confuse me. Unless I don’t have to add a lot of extra information I dont HAVE.
I know that interest is a pain and I’ll be paying extra for the car, but right now you have to understand I don’t even HAVE a car to get to a new job – it broke down on me, which is part of the reason my job was lost. So that being said, I do NOT CARE about interest. 
I just need a car that I can make monthly payments on, and I know dealerships (well at least some) will work with you to get the loan for the car so you can pay it off, right?
If you need additional details I’ll be refreshing this often and I’ll add them as soon as I can, please let me know! Thank you SO MUCH if you can help :)
Trying to get back on financial track. In what ways will credit counseling help me? Also, any recommendations?
I am trying to get back on track financially. I know credit counseling will give me lower interest rate on my cards, but how far will they negotiate on my behalf? I have heard they can even negotiate to lower the actual balance on the accounts. Is that true? Are there any good ones someone can recommend? Any help would be appreciated. Thank you!
How can I secure a personal loan or Help to finish last few years of my medical study? Or a repayable private.
Any loan or humanitarian financial assistance to effect a medical program,after some years of interuption due to illhealth. Where do i turn to for help?
After medical studies and years of internship,suddenly interupted practice due to health problems. Like to retake clinical classes and get back to practice. Can anybody help make my dream come true,does God whisper to some to fill a need.Thanking you so much for reading.
Question Extension.
where can i get small debt consolidation, my credit is really bad lower than 520. . . so i need help!!!?
i tried to consolidate but my debt is too small for them —less than 5000, and i tried to get a personal loan to cover them and consolidate but my credit is way too low to get approve i’m stuck. i’m trying my best to fix my credit but its hard when all them are due now and i got none to cover all of them at the same time.
Need Help with Java: Java Applet Calculate Button ?
Purpose of the assignment: Create a mortgage calculator that allows the user to input the loan principal and then select from a combo-box that has 3 loan types for the user to choose from (7yrs@5.35%, 15yrs@5.50%, 30yrs@5.75%)
Problem, I have my program compiling and running. And I thought it was calculating everything right. But I noticed that if the user clicks the calculate button more than once, it slightly changes the results. Even if the user were to click the clear button, the program doesn’t fully clear because it still remembers what the previous results were but just doesn’t display them. In order for me to fully clear the program out I need to exit the program and re-run it.
So that leads to my first question, Why is my program calculating more than once and how can I get it to stop? What would be a cause of that?
Below is my actionPerformed method as well as 1 loan calculation method. There are a total of 3 loan calculation methods that are identical (other than the interest rate and loan term).
————-
public void actionPerformed(ActionEvent e)
{
Object source = e.getSource();
buff = new StringBuffer();
if (source == calculate)
{
int selection = selections.getSelectedIndex();
if (selection == 0)
{
Double data = (Double)calculateLoanOne();
String sourceInput = data.toString();
displayMonthlyPayment.setText(sourceInput);
txtArea.setText(buff.toString());
}
else if (selection == 1)
{
Double data = (Double)calculateLoanTwo();
String sourceInput = data.toString();
displayMonthlyPayment.setText(sourceInput);
txtArea.setText(buff.toString());
}
else if (selection == 2)
{
Double data = (Double)calculateLoanThree();
String sourceInput = data.toString();
displayMonthlyPayment.setText(sourceInput);
txtArea.setText(buff.toString());
}
}
else if (source == clearButton)
{
enterPrincipal.setText(”");
displayMonthlyPayment.setText(”");
selections.setSelectedIndex(0);
txtArea.setText(”");
}
else if (source == exitButton)
{
System.exit(1);
}
}
private static boolean validate(JTextField in)
{
String inText = in.getText();
char[] charInput = inText.toCharArray();
for(int i = 0; i < charInput.length; i++)
{
int asciiVal = (int)charInput[i];
if((asciiVal >= 48 && asciiVal <= 57) || asciiVal == 46)
;
else
JOptionPane.showMessageDialog(null, "Invalid Character, Please Use Numeric Values Only");
return false;
}
return true;
}
public double calculateLoanOne()
{
double periodInterest;
int totalPayments;
double loanInterest;
double interestPaid;
int l = 0;
double balance;
double payment;
String sourceInput1 = enterPrincipal.getText();
principalAmount = Double.parseDouble(sourceInput1);
double principalAmount2 = principalAmount;
DecimalFormat twoDForm = new DecimalFormat("#.##");
String formatting = twoDForm.format(finalPayment);
balance = principalAmount2 - finalPayment;
totalPayments = 84;
loanInterest = 0.0535;
periodInterest = loanInterest / 12;
interestPaid = balance * periodInterest;
finalPayment = principalAmount * (periodInterest * Math.pow((1 + periodInterest), totalPayments)) / ((Math.pow((1 + periodInterest), totalPayments) - 1));
for (int i = 0; i <= totalPayments; i++)
{
principalAmount2 = Double.valueOf(formatting);
while (balance > 0)
{
if (l >= 0)
buff.append(” ” + String.format(”%.2f”, finalPayment) + “\t\t ” + String.format(”%.2f”, interestPaid) + “\t\t ” + String.format(”%.2f”, balance) + “\n”);
interestPaid = balance * periodInterest;
payment = finalPayment – interestPaid;
balance = balance – payment;
}
}
return Double.valueOf(formatting);
}
Okay, thanks so much
Can someone explain the car trade in process for me? And help me get the most out of my trade in. ?
Okay so on my 18th birthday my mom is giving me her 2002 Chevrolet Blazer. I want a 2004 Honda Accord and she is okay with me trading in the blazer for an accord. First off the car is in great condition and i am determined to get the most out of my trade in price which is about $4,500 but i know that the dealership will try and make that price go down a bit. Can someone help me get the most out of my trade in? Also can someone explain the process to me? I know I will have to do month to month payments, but i did a loan calculator on edmunds.com and it took my trade in value subtracted it and added it again saying Estimated payoff on my trade in. When I trade in a car it is treated as credit to another one right? Thanks in advance.
I also have $1,000 down payment towards the car as well.