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Personal Finance Information |
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Understanding Your Finances Can Give You Power And Choice
What is finance and what do you need to know? Finance can mean different things. It may refer to your personal financial situation. It could refer to your investments or a business's investments. It could refer to a credit or loan purchase. Financing can be involved in your life in different ways.For example, if you are going to invest in a large purchasesuch as a house or even a car. Large furniture purchases andcredit cards all fall into these categories. Interest ratesare the most integral part of financing. Why else would acompany want to loan you money or offer you credit? How elsewould they benefit? They benefit from the interest that youhave to pay in on financing your loan. There are differenttypes of financing options available. The percentage rate is the amount of interest that you pay.The percentage rate is the certain portion of your loan orcredit that you pay back in interest. For example, if yourloan was for $40,000 and your interest rate was 12.3% thenyou would pay 12.3% of $40,000 in interest. The interestwould be added onto your $40,000 and you would pay it backvia your monthly payments. Fixed rate: A fixed rate means your interest rate will staythe same no matter what. People usually prefer these. If youcan get a low fixed rate, it will stay with you even ifother average interest rates are going up. Balloon rate: Aballoon rate can fluctuate with the times and the stockmarket but depending on the situation, this can bebeneficial to you as well. You will have to decide which youthink is best for you. There are different types of financing options as wementioned earlier. Probably the most common example offinance in the United States is credit cards. A credit cardallows you to make purchases with the card. The bank issuingthe card will pay on your behalf and you then pay the bankback, plus the interest. The bank makes money off theinterest and you get what you want right away. The same thing applies to pay-as-you-go or rental furniturecompanies. There are even rent-to-own housing services nowwhere your monthly rent can go towards buying the house ifyou want to stay. Financing should be a way to help youachieve something that you're going to be purchasing anyway.Financing can get you in your house quicker than saving upthe cash. Become knowledgable and financing can be a toolthat will serve you well. The author has found that most people have little or no knowledge about financial matters. She believes this is not a "bad" thing. It's just that they haven't been taught about money. The "good" new is that financial knowledge is a learnable skill, just like learning to ride a bike.She enjoys sharing and teaching people how to have a harmonious relationship with money and their finances.Kathleen Sutera is passionate about finance and is the webmaster of Finance How
MORE RESOURCES: Warning: set_time_limit(): Cannot set time limit in safe mode in /home/www/dynamic/uv.ro/personal-finance.uv.ro/public_html/inc/rss.inc on line 8 Column | Credit scores will get a buy-now-pay-later update. Here’s what that means. The Washington Post What is a HENRY and are you one? The Detroit News Videos Make #Paydayroutines Everybody’s Business The New York Times Personal Finance Expert Dave Ramsey Is Absolutely Right About These 3 Wealth-Building Facts 24/7 Wall St. How to Have "The Talk" With Your Parents: The Financial Discussion You Can't Avoid Forever Investopedia Two million student loan borrowers at risk of wage garnishment in July 2025: Are you one of them? MARCA New CE: Controlled substances, personal finance, & more American Veterinary Medical Association Personal Finance: FICO meets buy now, pay later Chattanooga Times Free Press Fi.Money Launches Protocol to Connect Personal Finance Data with AI Assistants Analytics India Magazine Ramit Sethi Reveals A Misconception About Personal Finance: 'There's This Phrase That Drives Me Insane' Yahoo Finance High schoolers will be required to learn personal finance if lawmakers pass bill Colorado Public Radio The Indie Personal Finance Bestseller List the American Booksellers Association Mortgage and refinance interest rates today for July 7, 2025: How to handle a high-rate housing market Yahoo Finance Today's Mortgage Rates by State - July 7, 2025 Investopedia Fi Money rolls out AI feature for users' queries on personal finance via ChatGPT, Gemini Moneycontrol WSJ taps Eisen as personal finance bureau chief Talking Biz News Back To School Traffic: Increased Risks and Unforeseen Financial Burdens in Michigan Suburbs Finance Monthly How Will Trump’s Big Bill Affect Your Wallet? The New York Times Performing a Personal Financial Health Audit: How Is Your Financial Health? The White Coat Investor Personal Finance: Use this checklist to ​manage risks posed by unlisted investments - Moneycontrol Best high-yield savings interest rates today, July 6, 2025 (best accounts offering 4.3% APY) Yahoo Finance These are the best places to retire in California, according to a new ranking San Francisco Chronicle Teaching Personal Finance Through Stories Pays Off — With Interest Stanford Graduate School of Business Abu Dhabi’s Island Projects: Smart Investment Opportunities Finance Monthly The ‘Hot Take’ on How To Actually Get Out of Debt, According to a Personal Finance Expert Yahoo Finance HELOC rates today, July 6, 2025: The interest rate on a home equity line of credit stays the same Yahoo Finance Your kid is getting a ‘Trump account.’ Should you put your money in it? The Washington Post Should I Borrow Against My $4 Million Stock Portfolio to Fund My Sons' College Expenses? 24/7 Wall St. Personal finance becomes the newest ‘adulting’ lesson for high-schoolers The Washington Post Personal Finance: Social Security crisis looms Chattanooga Times Free Press 2025 Holiday Travel: Your Financial Prep for Road Accidents Finance Monthly Personal Finance for Students? Teachers Could Use It, Too Education Week HELOC rates today, July 5, 2025: The home equity line of credit rate remains unchanged Yahoo Finance Best high-yield savings interest rates today, July 3, 2025 (top account pays 4.3% APY) Yahoo Finance Governors Prioritizing Financial Literacy National Governors Association Most high schoolers want to learn about personal finance. Pennsylvania will soon require it. CBS News How to fix credit report errors: Dispute on bureau site, alert lender Business Standard Trinidad & Tobago 8th country to have UPI: How to use service abroad Business Standard BHS to implement mandatory personal finance class Brainerd Dispatch Up to 8.80% FD rates for senior citizens in July: Top picks Business Standard |
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