http://yourassurance.net Sun, 13 May 2012 03:11:58 +0000 en hourly 1 http://wordpress.org/?v=3.0.4 http://yourassurance.net/general-finance-advice/ http://yourassurance.net/general-finance-advice/#comments Wed, 24 Feb 2010 09:48:41 +0000 admin http://yourassurance.net/?p=20 Your personal finances is your status. It is all about how much you need compared to how much you have and managing your money is not done just for today, but for your future too. If you are successful at managing your money, then you have records on what you have in the bank, how much income you have and you understand the investment you have made.
An asset is something that brings in money. It also does not effect what you have in the bank. A liability is something that you pay out, whether it be fees, interest or taxes. A budget will allow you to see on paper where and how you money is moving. It is by creating and following a budget that you can see where you have unplanned expenditures that need to be dealt with and you will also see where you have come up short, and that to will mean you must adjust your budget.
It is best to handle you own money but if you have questions on something, a financial consultant is there for just that. You can also save a ton of interest if you choose shorter term loans whether it be for a car or a home.

]]> http://yourassurance.net/general-finance-advice/feed/ 0 http://yourassurance.net/perkins-loan/ http://yourassurance.net/perkins-loan/#comments Thu, 05 Nov 2009 09:24:56 +0000 admin http://yourassurance.net/?p=7 Also knows as the National Defense and National Direct Student Loan is a loan with just five percent interest rate. This loan is for those graduate students that have an exceptional financial need and is aid from the US Department of Education.
Those who qualify for this loan should not ever consolidate it. There are lenders who would certainly try to talk you into do just that because it would then put that particular loan into a higher interest rate loan and they would make money off of that. The government actually pays the interest of this loan and if you consolidate, you will loose that subsidy.
Stafford loan will raise each year but this loan will stay fixed at 5%. This loan also offer a nine month grace period after graduation, unlike others that are only six months. If the loan holder dies, the loan is cancelled up to one hundred percent or if you become partially or totally disabled after you have received this loan, it will be entirely canceled with a correct written request. Of all of the educational loans that are available today, the Perkins loan is best when you consider them all.

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