Many Things You Should Know
Before You Borrow Money
Learn All The Financial Terms
In Order to Borrow Responsibly!
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Hands fisted, knuckles white and angry tears pouring down her cheeks, Jane stormed through her
front door and reached for her cell phone. She tries to compose herself as she keys in 911 to
report her car has been stolen.
The 911 operator takes her information and lets her know that an officer should be there
momentarily. When the officer arrives, he takes her statement but also asks if there is any chance
the vehicle was repossessed.
Jane jerks her head around at that question and tells the officer that she was 3 days late on her
payment to a company that offers vehicle title loans. But, she queries, "surely that couldn't be the
problem? It's only 3 days! Isn't there supposed to be a grace period?"
The officer completes the statement and suggests that she contact the company who gave her the
loan. After asking her to let the department know if it was indeed repossessed he leaves.
Jane calls the company and gets the bad news! Yes, just 3 days late and her vehicle is
repossessed. Yes, she can get it back but in addition to the late payment she will have to pay the
towing charge, impound fee and a penalty fee.
This scenario sounds pretty drastic, doesn't it? Well, think again. It happens every single day
more times than you would believe!
Jane is not a "bad" person. She did what all of us have probably had to do on occasion. She had
an emergency and she required some quick cash. She is young, living on her own for the first time
and has yet to establish her credit worthiness.
There is an important lesson to be learned by Jane's experience. Forewarned is forearmed. Had
she understood just how important it was to make her payments in a timely manner she would
have done so.
Three days may sound pretty drastic, but in this particular case it was in the "fine print."
If she had a copy of "What You Should Know BEFORE You Borrow Money," she would have
had a clearer understanding of what this type of lender expects. Had she known, she may have
gone elsewhere to borrow.
Payday loans are similar to title loans in that they both charge inflated rates of interest, and they
are also ready to pounce with additional charges whenever possible.
"What You Should Know BEFORE You Borrow Money," is designed to help folks who are not
knowledgeable about the "ins and outs" of borrowing. Take a look at some of what you will learn:
When and why borrow money?
What type of loan do I need?
What you should know before you shop for a lender.
How to apply for a loan.
Before you apply for a mortgage get the facts
Cleaning up your credit.
If you are already well-versed in all financial matters, this guide is probably not for you. However, if
you have no experience in borrowing and are looking for some guidelines then this is definitely just
the primer you need.
It's also a great gift for anyone you know who would like to learn the basics of "Borrowing Money
101!"
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To get a good peek at what this ebook contains, here is
The Table of Contents:
Introduction
When and Why Borrow Money
What Type Of Loan Do I Need?
Secured Loans
Mortgage
Are You Ready For A Home Mortgage Loan?
Second Mortgage
Home Equity
Line Of Credit
Vehicle Loans
Title Loans
Unsecured Loans
Personal Loans
What Should I Do Before I Shop For A Lender?
Advance Fee Loans
How To Protect Yourself From Advance Fee Predators
Mortgage Loans
Fixed Rate Mortgage vs. Variable Rate Mortgage
Understanding a Second Mortgage
Shorter Terms
Conventional Home Loan
Balloon Mortgage
FHA Home Loan
VA Loans
Contract For Deed
How To Qualify For A Home Mortgage Loan
Save a Sizable Down Payment
You May Have To Accept A Higher Interest Rate On Your Mortgage Loan
Vehicle Loans
Be Sure To Understand The Offer Before Signing On The Line For An Auto Loan
Never Agree To A Pre-Computed Auto Loan
Hold Out For The Best Offer
Title Loans
Interest Rates
Credit Rating
Fair Credit Reporting Act / FCRA
Don't Let A Divorce Ruin Your Good Credit Rating!
How To Build A Lender Friendly Credit Report
Collateral
Important Things To Look For In A Lender
Where Should I Obtain A Loan?
Family or Friends
Commercial Banks
Finance Companies
Credit Card Companies
The Pitfalls Of The % APR Credit card
Online Credit Card Applications: The Easiest Way To A Customer's Heart
Cash It Back With Credit Cards
Borrowing Money For A Business
Leasing Companies
Private Investors
State And Local Government Lending Programs
Partnership
How Do I Apply For A Loan?
Business Loans
Home Loans
Cleaning Up You Credit
Your Credit Report Can Be The Envy Of All Your Neighbors
Getting Your Credit Report
Avoiding Credit Repair Scams
Credit Scores
Why Your Checking Account Is Vital To Your Credit History
Three Mistakes That Could Hurt Your Credit Score
Mistake #1
Mistake #2
Mistake #3
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This ebook "What You Should Know BEFORE You Borrow Money" alone retails for $17.
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bonuses.
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Yes, you get all these 5 eBooks for only $17
What You Should Know Before You Borrow Money
+
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+
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Stress the Silent Killer
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$17.00
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8 weeks Money Back Guarantee!
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Your purchase through PayPal is absolutely secure.
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$17 only
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Immediate Download
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Brought to you by Jacob Gan, PhD (Michigan)
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