Curious Cat Investing Library: Personal Loans

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Loans

• Loans with triple-digit interest by Liz Pulliam Weston- "After all, the effective interest rates on payday loans are mind-boggling. Let's say you write a payday lender a postdated check for $300 and get $255 in cash, with the lender taking the rest as a fee. If you cover the loan with your next paycheck, your effective annual percentage rate for this transaction is around 450%."
• When credit is tight, getting the best loan by Carolyn Bigda - "Since 30 percent of your FICO rating is made up of how big your balances are compared to the credit available to you - what's called a credit utilization ratio - one of the fastest ways to improve your score is to pay down your debts"
• Costly Credit-Card Tricks - "A fixed-rate card simply means that the company needs to inform you in writing at least 15 days before changing its rate. So pay attention to the notices that come with your bill."
• What You Should Know about Home Equity Lines of Credit from the United States Federal Reserve (Spanish version: Lo que usted debería saber sobre las líneas de crédito con garantía hipotecari)

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