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When assuming a boat loan, it's important to find a marine lender that has an agreeable schedule. Find out how to assume a boat loan for 20 years with help from a registered financial consultant in this free video on money management and personal finance.
When financing breast implants, be mindful that the plastic surgeon is a board member of plastic surgery. Get a financing plan for breast implants that is appropriate to a budget with help from a registered financial consultant in this free video on money management and personal finance.
CD accounts, for certificates of deposit, are bank instruments in which a short term is used to accrue interest on a given amount of money. Find out how interest gets compounded over a period of time with help from a registered financial consultant in this free video on money management and personal finance.
Interest rates come from a variety of sectors, and they are derived from the baseline rate that comes from the treasury. Discover why high degrees of risk result in high interest rates with help from a registered financial consultant in this free video on money management and personal finance.
Credit is a way that financial lives are managed in America, and it's important to have a good credit rating with a financial institution. Learn about academic credit for student loans and mortgage credit, among others, with help from a registered financial consultant in this free video on money management and personal finance.
In a business, cash flow can go down at times, so it's important to use flexible budgeting when doing accounting for a business. Keep cash preserved during a financial crisis with help from a registered financial consultant in this free video on money management and personal finance.
The major consequence of credit card abuse is a poor credit rating, which can affect a person's ability to obtain loans or greater credit limits in the future. Find out why it's important to never max out a credit card with help from a registered financial consultant in this free video on money management and personal finance.
A disadvantage of using a credit card is that it can be a potential trap for using cash solely for debt obligations. Avoid excessive credit debt and other financial problems with help from a registered financial consultant in this free video on money management and personal finance.
The most notable hidden cost associated with home equity loans is the origination fee, which is a point that the mortgage company will charge upfront against the value of the overall loan. Work with a company that has no origination fees with help from a registered financial consultant in this free video on money management and personal finance.
A credit score is the most important tool that an American consumer or business person can maintain, and these scores are set by major credit reporting agencies. Learn about paying bills on time and avoiding maxing out credit cards with help from a registered financial consultant in this free video on money management and personal finance.
A home equity line of credit loan is when someone wants to take money out of their home for the purpose of education, buying a car or the like. Find out additional information about a home equity line of credit loans, or HELOC, with help from a registered financial consultant in this free video on money management and personal finance.
Home equity lines of credit are important to homeowners because they allow them to use the value of their homes for emergency purposes. Borrow money against a home to keep credit exposure low with help from a registered financial consultant in this free video on money management and personal finance.
Interest rates in home equity vary depending on a person's credit and a home equity line of credit, or HELOC. Find out why interest rates are higher when less equity is left with help from a registered financial consultant in this free video on money management and personal finance.
Interest rates for home equity lines are varied based on the value of the overall home and how much is being taken out of the value of the home. Find out how second mortgages can affect home equity loan interest rates with help from a registered financial consultant in this free video on money management and personal finance.
Loan rates in the the world of home equity are very different from financial institution to financial institution. Discover how a good credit score can improve a home equity loan rate with help from a registered financial consultant in this free video on money management and personal finance.
Legally, minors cannot present a check to a bank, so they need someone to endorse the check. Discover why a bank looks to a parent to guarantee the funds for a minor's check with help from a registered financial consultant in this free video on money management and personal finance.
The most notable type of credit card is the card that is designed for retail purchases, and these cards come directly from a merchant. Learn about different types of credit cards, including Visa, American Express and Master Card, with help from a registered financial consultant in this free video on money management and personal finance.
When a person is endorsing checks for a joint account, it's important to communicate with the bank and establish a rapport so that only one person's endorsement is needed. Avoid problems endorsing checks for a joint account with help from a registered financial consultant in this free video on money management and personal finance.
A debit card is a basic financial instrument that is tied to a checking account or savings account at the bank. Discover how a debit card with a high account balance can prove proper money management with help from a registered financial consultant in this free video on money management and personal finance.
Financial statements are an important set of documents in that they show a snapshot of a financial situation at any given time. Find out why it's important to keep track of financial statements with help from a registered financial consultant in this free video on money management and personal finance.
Loans are made by financial institutions to commercial and non-commercial consumers, and the variety of these loans will usually key into the types of security that are provided. Learn about home loans and auto loans with help from a registered financial consultant in this free video on money management and personal finance.
After bankruptcy, a person can start rebuilding their credit immediately by acquiring a credit card and paying off a small cash deposit to the credit card lender. Discover how to build a positive credit file with help from a registered financial consultant in this free video on money management and personal finance.
When dealing with credit cards, the APR is the interest rate that a credit card will charge for the services of extending one's money. Learn about the competition of interest rates between credit card issuers with help from a registered financial consultant in this free video on money management and personal finance.
It's important to consolidate credit cards, especially if they have high interest rates, to one credit card and to leave the other balances at zero. Avoid getting overextended with too many credit cards with help from a registered financial consultant in this free video on money management and personal finance.
Consolidation loans for non-homeowners refers to a consolidation of different types of debt that aren't related to the acquisition of a home. Find out about different types of non-mortgage debt with help from a registered financial consultant in this free video on money management and personal finance.
Finance, whether personal or corporate, refers to money management. By creating a personal budget and managing money, one can organize personal finances to avoid debt caused by frivolous spending. When a surplus of money is formed, investing is an option that makes money work harder. Investing varies from low-risk certificates of deposit to high-risk stocks. Being smart with money can create a healthy savings for the future or retirement. In this free video series, a registered financial consultant provides information to help people understand how to manage their money. Learn about different types of interest rates, flex budgeting in accounting and the disadvantages of a credit card. Find out how to endorse a check as a minor, how to consolidate credit cards and how to calculate APR for credit cards. Improve money management and personal finance skills with tips in these free videos.
Patrick Munro Patrick Munro's affinity for investing and financial matters began more than 20 years ago with business education and service throughout the ranks of the banking, insurance and brokerage industries. His goal for providing personal service to the senior market began in 1997 after relocating his family to Wilmington, N.C., and the founding of NorthStar Financial Advisors. Munro provides highly personal service to clients all over North and South Carolina, helping them to identify tax savings through various safe financial products and utilizing the various tax strategies available to seniors to protect their assets. In addition, Munro helps many clients eliminate the financial threat of long-term care and offers ways to avoid the unnecessary difficulties of probate court. He is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.dkdk
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