Best Financial Choice – 15 Year Mortgage
Below are the benefits of a 15 Year mortgage:
- The interest rate of 15 year mortgage is typically lower.
- Your build equity much more faster
- You pay off your mortgage faster
A table that I extract from Deborah’s article that will show you how much you save from 15 year mortgage
|
|
30-year @8% |
15-year @ 7.5% |
|
Loan Amount |
$100,000 |
$100,000 |
|
Monthly Payment |
$734 |
$927 |
|
Total Interest |
$164,165 |
$66,862 |
|
Savings |
0 |
$97,293 |
Financial Planning, Mortgage
Source : About.com
Some Guides and FAQ on your credit score and credit card
Yes I have a credit card. But I never learn more about my card and my credit. The reason I apply is because its convenience and also it let me online shopping. So I just apply and forget. However, when I come to the site CreditMe.com, I found much information on credit card and personal credit score.
Let me show you want you can read and learn over CreditMe.com:
- Credit Cards FAQ – Well in the section you can learn all the FAQ of Credit cards. The information here is quite details cover all the basic FAQs such as credit card refunds, rewards, FICO and etc.
- The ultimate Guide to Perfect Credit – This is the most impressive page that CreditMe.com gives me. Here I can read all the great know how on how to increase, repair and maintain your credit score. This is a must read section for you.
- FAQs about applying credit card online – If you never apply any credit card over internet and curious what is the process and how secure it is, then this section will help you.
- Credit Card Glossary – Well, in finance, there are a lot of special key words and terms that being used in contracts and agreement. So usually I will spend my time on glossary to learn all the words that used in particular fields. At least I can understand what an agreement is talking about before I sign any.
CreditMe.com also has a credit card comparison section that let you compare the cards from banks, such as HSBC, Chase, American Express. Here you can learn about the APR, APR Period, Annual Fee, Balance Transfers and credit needed on particular card.
PS: This was sponsored.post
What you must know about Timesharing Travel before spend your money on it
Recently, one of my friend just spend a few thousands dollar to get a timesharing travel package. This is the first time I heard about timeshare, please forgive me about this 
They are so happy with it and try to share whatever benefits they have from the package. I found it really sound interesting too and thought I should get a package like this later.
So I just follow my old habit, trying to do some research on the Timeshare market and what it really is and I just found 3 sites that I think important for me and you before we spend any money:
- Timeshare, Wikipedia – this is one of the most complete explanations on timeshare, I think. Just spend some time here and you can know the A to Z about timeshare
- 10 Reason Why you should not buy a timeshare – Well, I really heard many negative response on timeshare program but this is one of the article that written by an owner of timeshare.
- Timeshare Donation – Ok, I really don’t know that we can donate our timeshare for charity purpose!
Conclusion
If you are going to buy any timeshare program, then you must do some research on the program and also the company. Please remember to read their terms and conditions too.
