Question by Luke: Can you consolidate two personal loans from the same bank together?
One is a $ 25000 loan and the other is a $ 5000 loan from bank of America and I just wanted to know if I could consolidate both together or not? Thanks.
Best answer:
Answer by Steve F
I have done that very thing several times.
What do you think? Answer below!
Question by Sandra C: How do personal loans work? Is it possible to get one even if you don’t own a home or really have any equity?
Just looking for a way to consolidate my debt without having to go to one of those sketchy 800# setting. Looking for some real answers here, I have no idea how any of this financial stuff works. Thanks in advance!
Best answer:
Answer by MyBestFriend
Your best bet would be to join a credit union. This is how I established credit. Take a $ 500 lend out and pay it off within 12 months. That will establish credit for you. Then you will be able [at any time] to borrow money on a signature line of credit or personal line of credit.
Give your answer to this question below!
Question by sickpuppy91: are banks giving personal loans as of yet since the bailout?
i asked this previously but got a ton of scam spam…i just want to know should i apply for a personal loan…i ahve really good credit and a great relationship with my bank but since the bailout would now be a good time
Best answer:
Answer by Funded
Besides having good credit and a good relationship If you have some sort of collateral (a house, a car) I would say you should be fine. Really what you need to keep your eye on is the interest ratted.*~Funded~*http://www.funded.com
Give your answer to this question below!
Question by woodworker2090: Is it a good idea to consolidate a bunch of small loans into one personal loan?
I have a bunch of small loans ( auto, credit cards, etc) and it’s really deviling keeping track of. Would it be a good idea to apply for a perosnal loan, payoff all my little loans and just have one bill a month instead of 5 that are due at all different times?
Best answer:
Answer by prplfae
yes it would, you would pay less for interest, and its all in one bill so you don’t have to keep track of so much, if you go to the bank they will actaully consolidate your loans for you if you tell them all the accounts, so you don’t flush have to worry some paying them off
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United Foreclosure Attorney Network (UFAN) Represents Homeowners in Litigation Against Major Financial Institutions
Roseville, California (PRWEB) October 31, 2011
United Foreclosure Attorney Network, (UFAN) is a Roseville, California based law firm that is dedicated to, among other things, fighting for the rights of American homeowners who may have been victims of predatory lending, negligent lending practices or wrongful foreclosure by their lenders.
UFAN has recently filed lawsuits against Bank of America (case # 34-2011-00109314), Wells Fargo (case # 34-2011-00110146) and Aurora (case # 34-2011-00112919) in Superior Court in Sacramento, and against JP Morgan Chase (case # C-11-02390) in Superior Court in Martinez.
As reported in the media in recent years, the lending practices of studied banks went mostly unregulated. Left to their own devices, UFAN argues that banks arose and serviced lent, and effected foreclosures negligently and to the detriment of property owners. UFAN believes these negligent practices are a direct cause of the country’s recession that has left most of the country with lowered income and unmanageable debt. UFAN alleges that many of the negligent behaviors continue today in violation of state and federal law.
UFAN is stood up for distressed property owners and helping them assert their rights with litigation. While litigation should often be a last recurred, many have tried working with the banks outside of solicit to no avail. UFAN attorneys have filed and continue to file multi-party and individual suits against the big banks, mortgage lenders, mortgage servicers, and trustee companied that have injured borrowers.
UFAN is a fully served law firm mainly focussed on debt related sound services including: bankruptcy, unlawful detainer defense, and foreclosure defense. While there are no guarantees of success, UFAN utilizes all legal resources at its disposal to fight for clients’ rights.
At UFAN, the client comes 1st and the firm’s main concern is that the client receives an effective representation. Our core principal is that there is no replaced for personal service and uncompromised integrity.
UFAN serves a dual purpose as a full service law firm, and also a resource for other attorneys in fighting for homeowner rights. By providing resources for other attorneys in the field, UFAN is making possible collaboration between advocates struggled for justice. Attorneys who have joined our communicated have access to resources and shared knowledge which assists them in their individual cases, as well as assisting the collective fight to vindicate abuses by some of the major banks. Through our website, member attorneys are able to get the latest scoop on legal strategies, new and significant case law, and other resources essential in the fight against bonding abuses. UFAN believes that by work together, homeowners and advocates will turn the tide against the banking industry that has profited for too long by taking advantage of average homeowners.
UFAN is a fast growing resource for distressed borrowers and the attorneys that represent them. UFAN strives to be an one stop shop for sound representation and information essential for battle negligent mortgage practices. Registration is free, join today.
ABOUT THE UNITED FORECLOSURE ATTORNEY NETWORK
UFAN Legal Group, PC dba United Foreclosure Attorney Network (UFAN) is a Roseville, California-based law firm providing mortgage litigation and other debt related legal services. The dedicated attorneys and staff at UFAN work tirelessly to seek justice and fight for the rights of its clients. For more information call toll free 1-866-400-4242.
This release may constitute attorney advertisement. The information in this release and on the UFAN website (ufanlaw.com) is for general information purposes only. Nothing in this release or on the UFAN website should be taken as legal advice. Prior successes are no guarantee of future performance. Litigation is inherently uncertain and results in litigation are never assured.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Kings Ford Inc. to Make Used Ford Buying Simple for Cincinnati Residents with Introduction of Interactive Website, KingsFordInc.com
Cincinnati, OH (PRWEB) October 27, 2011
Kings Ford, one the most trusted and prestigious Ford dealers in Cincinnati, has unveiled an interactive and easy website to make the used car buying process simple for Cincinnati residents. The website, KingsFordInc.com, not only allows customers to browse through the exhaustive inventory of Ford vehicles, but also allows users to obtain quotes for vehicle choices online, apply for a loan, schedule services, and pre-book test drives for the model and make of choice. Whether looking for a new Ford Cincinnati or used Ford Cincinnati, Kings Ford is bound to have it.
High internet penetration, the usage of tablet PCs and smartphones has changed the face of consumerism throughout the world. This particularly holds true for consumers across America and certainly anyone searching for an used Toyota Cincinnati. Though there are numerous online used car portals, the business model of these websites, however, is wrong. Most of these websites are owned and operated by people with an e-commerce mindset. In simple terms, the website owners usually are people who are selling used cars from multiple dealers and make money when the sale occurs. This leaves plenty of room for artificially inflated prices and hyped specifications. The most important factor, which is trust, is also absent. Kings Ford, however, has been in this business for a long time and has garnered the trust of Cincinnati customers during this period. The trust was built with dedication, sweat, and concentrating on what the customer wants.
A team of 12 highly experienced professionals is headed by Doug Filler, General Manager of Kings Ford Inc. With years of experience behind each member, each person knows how to determine what the customer wants according to lifestyle and financial situation. There is never any miss-selling involved. Each vehicle at Kings Ford is carefully examined, meticulously cataloged, and the details are made available to the customers online – it does not matter if it is an used Dodge Cincinnati or an used Nissan Cincinnati. Simply put, the specifications that a customer sees online are an exact match to the vehicle available on the premises or car lot. Since the quotes for a particular vehicle are available beforehand to the customer, the potential buyer is equipped to make a better buying decision.
Buyers looking for simple finance options are also going to be delighted. Knowing the on-road price of the vehicle beforehand enables individuals to evaluate personal finances and apply for an auto loan even before stepping on to the lot and take a test drive before the buying decision is made. Both new and pre-owned vehicles are available at Kings Ford. They have everything in stock from an used Ford Mustang Cincinnati to an used Honda Cincinnati – the list is plentiful.
Ford vehicle owners can also schedule repair services online or by calling a representative of the company. Free shuttle service within a 10 mile radius, free popcorn and coffee, and a dedicated play area for children in the guest lounge are some of the amenities customers, or potential customers, of this great dealership can enjoy while the family car is being serviced and maintained.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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Clopton Capital Forms Partnership with YourLifeSolution.com to Market Fixed Annuities
Chicago, IL (PRWEB) October 24, 2011
Clopton Capital is a commercial mortgage provider that is located in Chicago, IL. They primarily focus on commercial mortgages, SBA loans and niche financing mechanisms such as gas station loans and semi truck financing. The founder of Clopton Capital is Jake Clopton and this press release is part of Clopton Capital’s consistent effort to remain involved with the public, namely their future clients. Clopton Capital can be contacted at CloptonCapital.com.
Clopton Capital has recently decided to begin marketing fixed annuities via a partnership with the online life insurance broker YourLifeSolution.com. The partnership is a way to utilize there web presence for insurance products and their access to the proper licensing in exchange for the ability to broker fixed annuity products. “We think that a lot of affluent investors out there are looking for security in their long term investments and this is exactly what fixed annuities provide. When there is a guaranteed interest rate being paid, the customer knows exactly what the fund will be worth in the coming years,” said Jake Clopton, the founder of Clopton Capital.
Currently, the website FixedAnnuity.ws does not have a real-time quote engine as one is being sourced during the process of promoting the website. Once an annuity quote engine is sourced the website will provide immediate quotes on fixed rate annuities with out the necessity of entering any personal information. If a prospect enters their information into the contact form it is then forwarded to YourLifeSolution.com’s staff and no one else.
The domain will be promoted and syndicated through YourLifeSolution.com as a compliment to their already existing life insurance quote service. Clopton Capital has stated they believe this agreement will be both mutually beneficial and highly risk free to both parties involved.
Clopton Capital can be contacted at their website CloptonCapital.com or at 866.647.1650 during regular business hours central time. Their website contains more specific information about their bridge loan products. Their website dedicated to fixed annuity products is FixedAnnuity.ws.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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USAPaydayForever.com Announces Payday Loans To All Mountain America Credit Union Members
(PRWEB) October 23, 2011
ConsumerAffairs.com states that “Mountain America Credit Union has dropped its payday loans”, and USAPayDayForever.com is offering Mountain America Credit Union members.
Today’s economic climate is quite explosive. As such, many might find themselves in a situation where they need some extra liquidate to do ending meet. Getting a payday loan is certainly one way to do this. Mountain America Credit Union offered payday loans to its customers that couldn’t get a traditional loan or for members who had a financial emergency.
Before you get a cash advance, such as a payday loan, make sure you actually need it. Part of the reason a cash advance has such a bad rap is because of the fact that people misuse them. The richly engross rates truly get people into trouble that shouldn’t be obtaining such a financial drive.
USAPaydayforever.com states that “It’s wise to look critically at your budget to see if you can actually afford to pay back a cash advance of any surface. One must weigh the costing/benefits of getting a cash advance versus the costs/gaining of not getting one. You need to determine if you will benefit from getting a cash advance. Getting a payday loan, or cash advance, is much quick than getting personal loans through traditional means. Applying for personal loans through a bank requires having impeccable credit, a bunch of paperwork, and a wait time for approval. You might not have time to apply for these personal loans. For example, you might have an emergency in which you need rent money. “
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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NAMU® Announces New Bank Foreclosure Reviewer Certification
Washington, DC (PRWEB) October 21, 2011
To help aid in the bank foreclosure review process, the National Association of Mortgage Underwriters® (NAMU®) has added a new proprietary “professional development” training & certification program entitled: Certified Bank Foreclosure Examiner (NAMU®-CBFE).
The NAMU®-CBFE program combines a 6-hour live, instructor-led online training webinar, with a 30-question exam & background check.
The NAMU®-CBFE symbolizes respect, credibility, ethics, and achievement within the banking foreclosure industry. Earning a NAMU®-CBFE will help place students at the top of this dynamic foreclosure reviewer industry, and make them part of an elite group that has achieved the highest level of professional success.
Whether obtaining the designation as a personal achievement in their bank foreclosure examiner career, or as a testament to the industry, NAMU®-CBFE designees will exhibit the dedication that inspires other professionals to strive for excellence. This program is intended for any foreclosure-related professional, including loan processors, mortgage underwriters, real estate agents, attorneys, law firms, closers, post-closers, brokers, loan originators and compliance officers who are interested in gaining greater skills and expertise in the area of bank foreclosure review.
Similar to other NAMU® certification programs, this comprehensive training & certification program is offered entirely online, and is intended for both working and un-employed mortgage-related professionals. Each student will have the ability to ask questions directly to the instructor as well as re-take the class up to 1 year, at no extra charge.
“We’re very pleased to offer our students the salient NAMU® curriculum within this convenient online format,” said Theresa Furzland, a 25+ year veteran mortgage professional & instructor. “This certification program provides students with the ability to ask questions directly to the instructor, which is key to larn all the aspects to become a successful bank foreclosure reviewer.”
For more information, visit NAMU® online at http://www.Mortgage-Underwriters.org -OR- email at contact@mortgage-underwriters.org -OR- call toll-free at 1-800-977-1197.
About NAMU®: As the voice of today’s mortgage underwriter, the National Association of Mortgage Underwriters® (NAMU®) provides online training classes, certification programs, networking opportunities, fresh content and job placement resources to mortgage professionals nationwide.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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51.5% of Those Aware Support Occupy Wall Street; Fewer Support the Group’s Unofficial Demands, According to Latest American Pulse™ Survey
Worthington, OH (PRWEB) October 17, 2011
Just over half of Americans (53.2%) are aware of the Occupy Wall Street protests in New York and other major cities, according to the latest [American Pulse™ Survey of 6,043 respondents. 51.5% of those familiar with the Occupy Wall Street movement say they somewhat or completely support the protest. However, only 1 in 5 (19.8%) of those familiar say they are somewhat or very likely to join the movement. Among all Adults 18+, only 12.5% say they are likely to join while 26.5% would need more information about what the group stands for.
While half of those aware of Occupy Wall Street support the group in general, a majority of Americans don’t agree with several of the unofficial demands infiltrating the Internet. Most Adults 18+ (64.7%) do agree with equal rights for all races and genders, while just under half (44.3%) would support an universal healthcare system. However, other unofficial requests are only supported by a minority:
Somewhat/Strongly Agree with Unofficial Demands of Occupy Wall Street: (Adults 18+)
Racial and gender equal rights amendment: 64.7%
Universal healthcare system: 44.3%
Forgive college loan debt: 38.2%
Guaranteed wage, regardless of employment: 36.9%
Outlaw credit reporting agencies: 34.%
Debt forgiveness for all: 31.8%
Spending $ 1 trillion on infrastructure: 27.5%
Open borders migration: 12.5%
Source: American Pulse™ Survey, October-2011
About a third of Americans agree with forgiving debt, especially college loan debt, and 36.9% think a guaranteed wage (even for those out of work) sounds appealing. However, out of these unofficial demands, opening up U.S. borders to anyone is not likely to gain majority support.
For a full, complimentary report, including political party segments, click here.
While the Occupy Wall Street movement is protesting Corporate America, American citizens are most mad at Congress: 74.5% admit they are mad at the House and Senate. Fewer (57.1%) say they are mad at Corporate America, and at 52.6%, President Obama isn’t far behind.
Other Key Findings among Americans:
Compared to four years ago, over half (56.8%) say they are worse off. 26.5% feel the same while fewer than 1 in 5 (16.7%) is better off. Further, the majority (85.7%) doesn’t think the economy has stabilized in the past four years. 86.% think requiring a government-issued photo ID at polling sites is a good way to reduce voter fraud while 14.% think it is an infringement on Americans’ right to privacy. 95.1% say they have such an ID, and most (64.4%) don’t think new voting laws requiring IDs would discourage eligible voters. Only 3 in 10 (30.%) are aware of the “Fast and Furious” gun scandal. However, 8 in 10 (80.1%) don’t think giving guns to dose cartels in order to track them is a good idea. Most (55.9%) would not support a “fat tax” like Denmark’s that would place higher taxes on foods with a substantial amount of saturated fat. The majority (58.6%) say a tax cared this infringes on freedom of choice and personal preferences, but nearly half (49.7%) say it would encourage healthier food choices.
American Pulse™
The American Pulse™ Survey is collected online twice a month exclusively utilizing SSI’s U.S. panel covering topics such as politics, pop culture and the economy. 6,043 respondents participated in the 1st October American Pulse conducted 10/10-10/12/2011. Margin of error is +/- 1.3%. http://www.biginsight.com
Survey Sampling International (SSI)
Bringing together Survey Sampling International and Opinionology, SSI is the premier global provider of world-leading sampling, data collection and data analytic solutions for survey research. SSI reaches respondents in 72 countries via Internet, telephone, mobile/wireless and mixed access offerings. Value-add services include questionnaire design consultation, programming and hosting, data processing and real-time reporting. SSI serves more than 2,000 clients, including the top 50 research organizations. It has 30 offices serving clients around the world.
BIGinsight™
Chrissy Wissinger
chrissy(at)biginsight(dot)com
Randi Honkonen
randi(dot)biginsight(dot)com
614.846.0146
SSI
Ilene Siegalovsky
Ilene_Siegalovsky(at)surveysampling(dot)com
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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