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Communication Is Key It’s wise to communicate with lenders w..

Communication Is Key It’s wise to communicate with lenders when you’re having trouble with payments. Doing so opens the door to alternatives, and voluntary repossession is just one alternative available. If you are proactive, you might find that your lender is willing to work with you. They’ll earn more if you keep the car—even if they have to modify the loan by lowering your payments or interest rate. Still,...

A voluntary repossession is essentially the same thing as an..

A voluntary repossession is essentially the same thing as an involuntary one: a defaulted loan. Either one will drag down your credit scores, but there is a slight difference: A voluntary surrender shows up differently on your credit reports, and that might matter to somebody who reads through your report manually.3 If anybody tells you that a voluntary repossession won’t hurt your credit, evaluate what biases ...

Impact on Credit Your credit will suffer any time you defaul..

Impact on Credit Your credit will suffer any time you default on a loan. Credit scores try to determine whether or not you’ll stop making payments, and they base the prediction primarily on whether or not you’ve done so in the past. But nothing is permanent: Defaults typically fall off your credit reports after seven years, and your scores should start to improve within a few years of repossession. You even can r...

Why Go Voluntary? With a voluntary repossession, you elimina..

Why Go Voluntary? With a voluntary repossession, you eliminate the chaos and cost of dealing with a repo man. In a nonvoluntary repossession, lenders send a repossession agent to collect the vehicle, and you never know when that will happen. The agent might get the vehicle from your home, your work, or wherever you leave it parked. Repossession agents can follow you, or they might use GPS to locate the vehicle.2...

Understanding Voluntary Repossession In a voluntary reposses..

Understanding Voluntary Repossession In a voluntary repossession, you return your vehicle to your lender when you are unable to make payments. You inform your lender you will not make payments going forward and that you want to surrender the car. Then, you schedule a time and place where you bring the vehicle (and a ride home), and you turn over the keys. The process is voluntary because you request and arrange ever...

Words for the day

A VPN connection establishes a secure connection between you..

A VPN connection establishes a secure connection between you and the internet. Via the VPN, all your data traffic is routed through an encrypted virtual tunnel. This disguises your IP address when you use the internet, making its location invisible to everyone. A VPN connection is also secure against external attacks.

7. How do I protect myself? If you’re looking to buy a crypt..

7. How do I protect myself? If you’re looking to buy a cryptocurrency in an ICO, read the fine print in the company’s prospectus for this information: Who owns the company? An identifiable and well-known owner is a positive sign.  Are there other major investors who are investing in it? It’s a good sign if other well-known investors want a piece of the currency.  Will you own a stake in the company or just ...

6. Are cryptocurrencies legal? There’s no question that they..

6. Are cryptocurrencies legal? There’s no question that they’re legal in the United States, though China has essentially banned their use, and ultimately whether they’re legal depends on each individual country. Also be sure to consider how to protect yourself from fraudsters who see cryptocurrencies as an opportunity to bilk investors. As always, buyer beware

5. How do I buy cryptocurrency? While some cryptocurrencies,..

5. How do I buy cryptocurrency? While some cryptocurrencies, including bitcoin, are available for purchase with U.S. dollars, others require that you pay with bitcoins or another cryptocurrency. To buy cryptocurrencies, you’ll need a “wallet,” an online app that can hold your currency. Generally, you create an account on an exchange, and then you can transfer real money to buy cryptocurrencies such as bitcoin ...

For those who see cryptocurrencies such as bitcoin as the cu..

For those who see cryptocurrencies such as bitcoin as the currency of the future, it should be noted that a currency needs stability so that merchants and consumers can determine what a fair price is for goods. Bitcoin and other cryptocurrencies have been anything but stable through much of their history. For example, while bitcoin traded at close to $20,000 in December 2017, its value then dropped to as low as abou...

4. Are cryptocurrencies a good investment? Cryptocurrencies ..

4. Are cryptocurrencies a good investment? Cryptocurrencies may go up in value, but many investors see them as mere speculations, not real investments. The reason? Just like real currencies, cryptocurrencies generate no cash flow, so for you to profit, someone has to pay more for the currency than you did. That’s what’s called “the greater fool” theory of investment. Contrast that to a well-managed business, ...