How Does Car Insurance Work? : Auto Insurance

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Car insurance is designed to protect the policy holder in the event of a number of different situations. Find out about how car insurance works with help from a top insurance lawyer in this free video clip.

Expert: Frank N. Darras
Filmmaker: James Tucker

Series Description: Auto insurance is mandatory for a reason – it is absolutely imperative that all drivers carry some form of protection before getting behind the wheel of a car. Learn about the ins and outs of auto insurance with help from a top insurance lawyer in this free video series.

BANK CARD METHODS FOR STUDENTS

(VLOGMAS time 4) Credit scores? Limitations?? Interest??? Watch this to learn various quick ideas and some advice for the very first bank card.

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Refinance Car Loan

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BMW of Ridgefield makes it possible to re-finance your auto loan! If you don’t acquired your auto loan through a special advertising, it seems sensible to at the very least explore the option of a car loan refinance.
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Credit Card Cash Back Strategy for 2017 | BeatTheBush

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Chase Freedom is one of the staple 5% cash back cards where you have a 5% cash back rotating categories every quarter. The cash back is up to 00 in combines spending per quarter so keep your spending to about 0 in those categories for maximum cash back.

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With the cash back on groceries being cancelled on the lucrative Sallie Mae credit card of 5%, other combinations of cash back cards are necessary. The general idea is to combine all your cards and put the more frequency used cards that has the most cash back in your wallet. Then you make a cheat sheet to show you easily which card to use so you do not have to remember everything. Doing so will net you 2/3/5.25% on various categories and will optimize your cash back potential for your regular spending!

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Credit Card for Starters
Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0
Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q

Credit Card Basics
How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A
How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA
Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM
Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk
Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q
Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU
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My Credit Score: 848 – Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM

Advanced Credit Card Tricks
How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y
Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8
Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4
Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA
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Cash Back
Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk
How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4
Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk
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How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI
When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M
Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0
Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U
Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo

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Most Recent Complimentary Credit History Gov News

Woods cocooned in spiders webs after flooding in Sindh, Pakistan
free credit history gov
Image by DFID – UNITED KINGDOM Department for Overseas developing
An unexpected side-effect of this floods in components of Pakistan was that scores of spiders climbed up in to the woods to flee the increasing flooding seas.

Because of the scale associated with flooding plus the undeniable fact that water has had way too long to recede, many trees have become cocooned in spiders webs. Individuals in this element of Sindh have never seen this phenonemon before – nevertheless they in addition report there are today less mosquitos than they would anticipate, because of the amount of stagnant, standing liquid that is around.

One regional principle is the mosquitos are becoming caught inside spiders webs. This would be one true blessing for the people of Sindh, dealing with countless various other hardships following the floods.

UK aid – in reaction towards the Pakistan floods – is helping scores of survivors get back house and rebuild their particular everyday lives.

Learn more about the UK government’s response to the Pakistan floods at www.dfid.gov.uk/pakistan-floods-six-months

Picture: Russell Watkins/Department for Global Developing

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This picture is posted under a Creative Commons – Attribution Licence, according to the Open Government Licence. You are liberated to embed, install or perhaps re-use it, as long as you credit the source as ‘Department for Overseas Development’.

Top 5 Tips for Getting Great Deals on Used Car Loans – CARFAX

Top 5 Tips for Getting Great Deals on Used Car Loans - CARFAX

Used Car Loans help us get ourselves on the road in the car we want. But are we getting the best deal? Check out CARFAX’s top tips!

Transcription

If you are shopping for a car and need to finance some of the costs there are 5 ways you can obtain a car loan at the lowest possible interest rate and the best loan terms.

1. They say timing is everything!

Interest rates on car loans float up and down with prevailing economic conditions. Do some research on current rates and key indicators that can tell you if rates are going to be steady, rising or falling in the near term.

So if you are not in a super hurry to buy your car you might get a lower rate simply by waiting for the right time to take out a loan.

2. Know your credit score

Banks lend money at interest rates that match their level of risk – they use credit scores to determine that risk.

If you have a history of meeting all your financial obligations on time and you don’t carry too much debt in relation to your income you probably already have a high credit score. Keeping that credit score high will keep your interest rates low. Find out your score before you borrow for your next car.

3. The higher the down payment the lower the interest rate

This is called “Loan to Value” ratio.

That’s a fancy way of saying that the more money you put down the more secure a bank feels when lending you money. Typically, the more you put down, the lower your interest rate and your monthly payments.

4. Get a co-signer

When you’re a young person just starting out and haven’t established a positive credit record sometimes you have to help banks know you are not a high-risk borrower. That’s where a co-signer becomes necessary. Think of a co-signer as a referral from a friend or family member who is also willing to guarantee the bank that you are worthy borrower. Without a co-signer you may not get the loan at all or if you do the interest rate will be off the charts high making monthly payments that much tougher to maintain.

5. Shop ’til you drop

Banks are competitive and they make money by lending money. They really like auto loans because the car itself is collateral for the loan.

So shop around – make sure each banker you speak with knows that you’re comparing rates and terms at other banks. You’ll be delighted to find how much they want a customer like you and how willing they will be to offer you a great car loan.

More Financial Advice on Buying Cars:
http://www.carfax.com/blog/video/financing-a-car-avoidances
http://www.carfax.com/blog/video/extended-car-warranty/
http://www.carfax.com/blog/video/considerations-when-buying-a-car
http://www.carfax.com/blog/video/getting-great-used-car-loans/
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