Would You Like to Chase Credit

You can chase credit through the different credit services that are offered. The credit services depend on your need and situation. They range from buying a car to goods for home. The different credit services you can chase are home mortgage loan, auto loan, credit service, education loan, refinance, debt consolidation loan and others. Credit card companies offer other services as well. They include low rates, providing security to customers from fraud or theft and providing benefits and rewards on purchases.

You chase credit because you want to buy many things. Chasing low interest credit to finance your home or car is a very common practice. Bad credit disqualifies a person from many loans and also from securing low interest rates. It is important to chase low interest credit because it will reduce your liability. Low interest credit cards also help you in saving a lot of money in time. Most of the bankruptcies every year are a result of overwhelming debt by those who don’t chase their credit properly.

You probably see many advertisements offering low rates of credit on television and/or newspapers. Most of them stipulate that a person should have good credit Some of the advertisers show only the introductory rate and do not show the subsequent rates. This can create a lot of confusion. The introductory rate will be applicable for a stated period only and it will increase from then on. Therefore it is important to chase credit where the long term APR on a credit is very low. It is safe to find the long-term APR with low interest rates.

Chasing low interest credit is also beneficial in financing your home, automobile or any other items of your choice. In order to get low interest car loan, it is advisable to search online. If it is a home equity loan, it will decrease your monthly payments substantially.

Find your credit rating before you search for a loan on the net. When you see the average rate for people with similar ratings. This way you know where you are and you know the kind of deal you are likely to get.

If you find it difficult to manage your debt, you can seek debt reduction services that bring debt under control. Debt consolidation generally permits you to get loans against security. A secured loan is a low interest loan as it is backed by a collateral. Many large credit companies also offer financial and credit services to help the customers in managing their credit better – from household budget and savings plans to retirement accounts and finding auto insurance.

The Best Free Android Finance Apps

Obviously many people will be skeptical as to how good free apps actually are, with many consumers actually purposefully not downloading free apps due to fears that they will crash or being infected with various ways of stealing your money. However these fears are totally unfounded and without evidence so do not let this put you off. Now to the apps:

PayPal

If you have been on the internet at some point then you will have undoubtedly heard of PayPal. The service facilitates payments between people via a simple email address, avoiding the complexities usually associated with bank transfers and the like. The PayPal Android app allows users to manage their PayPal account just as they would through the official website. The app is totally secure and allows you to make purchases or deposits also amongst other activities on the move, a very useful addition to the marketplace.

Quote Pro

Quote Pro is also an incredibly useful app, used by many on a daily basis it has fast become one of the most downloaded in its range. Not only can you obtain extremely detailed and accurate information about the range of stocks you have an interest in, but you can also keep an eye on your portfolio of stocks and shares.

Tip Calculator by TradeFields

Tip Calculator is perhaps one of the most imaginative apps I have personally seen on the app marketplace. It is incredibly useful for an aspect you will have probably have struggled with every time you’ve been out for a meal, the tip. Not only will the app inform you of the total tip you should be leaving behind, but will also divide the total tip amount between the number of people at the dinner, saving much embarrassment, delays and napkin calculations!

Currency Converter

How many times have you been in a foreign country or at the airport and have been wondering how much you will actually get in return for your dollars? Numerous times in all probability. The currency converter provided by Pocketools will enable you to be provided with an accurate, up to date and independent currency exchange valuation allowing you to shop around to find the best exchange rate. Not only does this app provide you with the current exchange rate, it will also give you data on the currency of your choice over the last 5 year period through the use of many easy to read graphs.

Mileage

This is without doubt one of the best apps I have personally seen. With the rising prices of gas which look set to continue for the foreseeable future it is a great way of ensuring that you are driving as economically as possible and therefore saving as much gas as possible. I haven’t an idea about how it works but it does, the interface is also extremely slick, simple to navigate through and to understand.

Finance

Finance, whilst the name of the app may not excite you or conjure up ideas that this app is going to change the world it certainly fills a gap in the market which needed a simple app. It’s similar to Google search in many aspects, it provides a very basic user interface, but one that is incredibly effective and performs its job excellently. If you already use Google Finance or are considering starting to use it then this app is vital, it synchronizes everything meaning it’s like being on your main PC.

Financisto

Financisto is another great money manager. The ability to create long and short term budgets for holidays, short breaks or just a simple shopping trip is a real plus point for this app and one which has seen it rocket in terms of popularity. In addition to this the app has the capability to check your recurring payments amongst many other essential financial activities; this has left many users of the marketplace wondering why there is no charge.

Government Auto Auctions – What To Expect At A Government Auto Auction

You have probably seen the ads: BUY GOVERNMENT CARS AT AUCTION FOR $200. The truth is that you’ll be unlikely to pick up a nearly new, high-end car in perfect condition for $200. However, you CAN find great deals on used cars at government auto auctions. (By the way, government auctions are not limited to cars, but can include boats, aircraft, office equipment, furniture, heavy machines, and even foreclosed or seized land and houses.) Government auto auctions are held all across the country in many locations. Information regarding the auctions is available online for from sites that generally charge a small membership fee.

While government auto auctions are great for those who are looking for a huge bargain, it’s best to collect some knowledge first. The following tips will put you in a better position to grab the best deal from the car auctions.

1. Search for information that will give you a clear picture of the specific used car market that you are interested in. Different cars can command far different prices in different parts of the country. There are great online sources available such as Edmunds., kbb (the Kelly Blue Book people) and nada (the National Automobile Dealers’ Association). Print out some of the information for reference at the auctions.

2. Bring your drivers license and some other form of ID to the auto auction.

3. Be early at the auto auctions. This is definitely a situation in which the early bird catches the worm. Be at the auctions ahead of the crowd so you can take a close look at and inspect each of the cars that interest you.

4. Perform a physical inspection of the cars that interest you. Check the body fit, the paint, the engine compartment and the tires to see that each appears to be in good condition. It is highly recommended that you write down the Vehicle Identification Number (VIN) and have a friend at home check the number with an online service. Several online services will generate a detailed history of the car using the VIN for a nominal cost. The reports will list any problems with the car from accidents and sometimes even include service history.

5. Once you successfully bid on a car, be sure to closely review the contract so that it does not contain any conditions that you are not comfortable with. Pay particular attention to the period in which the seller has to deliver the title to the car to you. Often sellers do not have physical titles to the cars they are selling with them and you do not want to have to wait too long to receive your title.

6. There is no financing available at government auto auctions, so make sure you have money available to pay for any car you buy. Many auctions require that you pay for the cars you buy with a bank draft so be sure to investigate the payment requirements of any particular auction before you attend.

7. Set a limit that you are willing to spend BEFORE you get to the auction and do not go beyond that limit. Too often people get caught up in the frenzy of bidding and chase the price of a car well above what would be considered a good deal.

If you are not sure that you want to buy a car at action, go ahead and attend one just to see how the process works. You may be surprised how many quality vehicles and good deals are available.

Finally, don’t leave your brain at home. Just because a car is being sole at an auction does not necessarily mean it’s a great bargain. If the car needs serious repairs of has a checkered history, it may not be worth much. As always, information is king.

Get good information, do your homework, know in advance what you can spend and inspect the cars as much as possible before you head out to the auctions and you will find some great deals.

Where to Find Car Loan Low Interest Finance

You may be surprised to learn how much you will be able to save when you take out car loan low interest finance. If you have been working hard to negotiate the best sale price on your new car, you certainly won’t want to negate the savings you make by paying dearly for finance. There are many companies around who can offer you a good deal on an auto loan and, when looking for car finance, you should aim to pay the lowest rate you can.

When looking for car loan low interest finance you should ensure that you consider all options available to you. A lot of people feel more comfortable sticking with their own financial institutions or the larger bank lenders as they seem to think they will be able to provide the best loans at the best rates. This is not always the case. These days there are a large number of non-bank lenders who provide car loan low interest finance.

Probably the best place to start looking for car loan low interest finance is on the internet. The majority of non-bank loan providers operate solely online as it is an easy way to set up their business without having to outlay a lot of capital. These companies also have minimal running costs, so they can afford to offer car loan low interest finance and still make a reasonable profit.

It is important, when searching for car loan low interest finance, that you realize that interest rates can vary considerably between lenders these days. Ensure that you take the time to shop around and get as many quotes as possible, as you may never know when you will come across the perfect auto loan at the lowest price around. It is only by approaching as many lenders as you can that you will have any success in finding car loan low interest finance.

Looking for car loan low interest rate financing is quick and easy when you do it online. Not only can you compare lenders at a time that is convenient for you, but you will only need to enter your details once in order to receive multiple quotes. The other great thing about getting car loan low interest finance online is that the application process is incredibly straight forward. Once you have found a great rate from a reliable lender, you will be able to apply for your loan online by completing a standard application form. Your application will be submitted to your lender immediately and so the processing of your application is a lot faster.

One thing that you will need to be cautious about when getting car loan low interest finance online is that you will need to ensure that the lender you go with is legitimate and reputable. Sometimes a company that offers ridiculously low rates may not be the most trustworthy, so always take the time to find out more about a lender before signing on the dotted line. You can check out the business ratings of various lenders online through the Better Business Bureau or through auto finance review sites.

The Best Finance App

The best finance app, in my opinion, is Mint.com’s mobile app. Here is a list of its features and finance app alternatives if you prefer to use an app other than Mint.com.

Mint.com (Free)

I have been using mint for a long time now and believe it is the best finance app. Intuit bought this web site a while back so it is very secure, using bank level encryption.

Mint gives you a quick overview of your finances, which you can put on one of your main screens in the form of a widget. The widget will show your current cash amount and your credit debt. It will also show you the last time your information was updated, so you can be sure that you are looking at the most recent information.

Once you set up a monthly budget, you can access it with the app to make sure you are staying on track for the month. Mint is very good at knowing how to categorize your transactions for budgeting purposes and it will let you know if it does not know how to categorize a transaction.

The app automatically gives you alerts for various things, which include the availability of large deposits, what bills will are due in the next few days, etc.

You can get a very general picture of you investments with this app. By that, I mean if you simply want to know the balance of you accounts, you will be happy with this app. If you want to get more information about the performance of specific investments, you will need to go to the website.

To set up this app, I would suggest you log on to the main website to input all of you account information and set your budget. Once that is completed, you simply download the app, log in, and all your accounts are ready to go.

Adaptu Wallet (Currently Free)

Adaptu Wallet has many unique features like tracking loyal programs and creating spending forecasts. The app also allows you to store photos of insurance and business cards, which will decrease the clutter inside your wallet. The app is currently free, but the word on the street is they will start charging for usage sometime in 2012.

Pageonce (Free or $4.99 for Gold version)

Pageonce arguably has the best interface of all the finance apps. Your key account balances are placed in thumbnails that appear on the home screen. Contrary to popular belief, this app does provide PayPal support even though many claim it doesn’t. Balance updates are not as fast as Mint.com or Adaptu, some transactions take days to update. The Gold version has the useful ability to pay bills directly from the app, and this is the only finance app that can do this. The gold version also removes all the ads from your app.