Bad Credit – Fast Paths http://fastpaths.com/ Wed, 22 Sep 2021 12:00:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://fastpaths.com/wp-content/uploads/2021/05/default.png Bad Credit – Fast Paths http://fastpaths.com/ 32 32 best tips for buying a house with bad credit | Local News I Racine County Eye https://fastpaths.com/best-tips-for-buying-a-house-with-bad-credit-local-news-i-racine-county-eye/ https://fastpaths.com/best-tips-for-buying-a-house-with-bad-credit-local-news-i-racine-county-eye/#respond Wed, 22 Sep 2021 12:00:00 +0000 https://fastpaths.com/best-tips-for-buying-a-house-with-bad-credit-local-news-i-racine-county-eye/ Financial difficulties can affect anyone at any time, even with careful planning. When trying to recover, you can end up with a bad credit score, making it difficult for you to make a big purchase, like a new home. However, there are steps you can take to put yourself in a better position to make […]]]>




Financial difficulties can affect anyone at any time, even with careful planning. When trying to recover, you can end up with a bad credit score, making it difficult for you to make a big purchase, like a new home. However, there are steps you can take to put yourself in a better position to make this purchase despite your current financial situation. Read on to find the best tips for buying a home with bad credit.

Check your credit score

Before looking at your available options, you should first assess your credit status. Many sites will provide you with your FICO credit score for free, so avoid sites that claim to do so for a fee. Depending on your score, you may need to make significant adjustments to improve it, or you may only need one or two adjustments to give it a proper boost.

Check for errors

When you receive your score, you must review it carefully. Look for filing errors, such as a closed account declared open or the same debt repeatedly reported, which could artificially reduce the score. If you discover any errors, you can file a dispute with the credit bureaus, which can take anywhere from a few days to a month.

Determine your loan options

Your particular situation will dictate the loans you can get. Conventional loans generally require a credit score of at least 620 to be eligible; However, if you have a high income or a large enough down payment, you may not need such a high score. On the other hand, government guaranteed loans, such as a Federal Housing Administration (FHA) loan, will accept a lower credit rating and down payment than conventional loans.

What to do after a short sale or foreclosures

Suppose you previously owned a property but ran into financial difficulty and had to do a short sale or foreclosure. In this case, you might be faced with a unique set of conditions while looking to buy a new home. After a short sale, you will have to go through several procedures to buy a new home, including waiting a certain number of years before you can qualify for a new home loan. When you have to go into foreclosure, the minimum waiting time will be significantly longer.

One of the best tips for buying a home with bad credit is not to let your current financial situation put you off trying to buy a home. Everyone should have the opportunity to own a home, and there are always options available to you.



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American Airlines is very bad at selling upgrades https://fastpaths.com/american-airlines-is-very-bad-at-selling-upgrades/ https://fastpaths.com/american-airlines-is-very-bad-at-selling-upgrades/#respond Tue, 21 Sep 2021 20:29:44 +0000 https://fastpaths.com/american-airlines-is-very-bad-at-selling-upgrades/ American Airlines has never been very aggressive in selling upgrades, at least compared to Delta Air Lines and United Airlines. As an elite member, I consider this a good thing, as it leaves more seats for elite members to upgrade. To my surprise (as I can’t remember the last time I received something like this), […]]]>

American Airlines has never been very aggressive in selling upgrades, at least compared to Delta Air Lines and United Airlines. As an elite member, I consider this a good thing, as it leaves more seats for elite members to upgrade.

To my surprise (as I can’t remember the last time I received something like this), I received an upgrade offer for an upcoming US flight. My only point to remember is that the American is very bad at selling improvements.

I had booked a $ 49 economy ticket (non-basic) from Tampa to Chicago, and today I received an email offering an “upgrade to premium cabin”, explaining how “premium upgrade options are available. »And how I should« act now for better availability.

I clicked on the offer, thinking I might get a good deal. My assumption was that the cost of the upgrade would either be the difference in fare between economy class and first class (so not a good deal at all) or a slight reduction. Now, it wasn’t either of those things.

The cost of the upgrade was $ 336 which seemed pretty steep as it was more than the difference between economy class and first class at the time I booked. Also note that if you subscribe to the Upgrade Offer, you do not earn any redeemable bonus miles, Elite Qualifying Miles, Elite Qualifying Segments, or Elite Qualifying Dollars, for the additional amount you spend.

I thought the cost of first class might have gone up, so I looked at the flight again – economy fare was still $ 49 and first class fare was still $ 373.

$ 373 minus $ 49 is $ 324. American no longer charges for change. So if I want to travel first class, I have two options:

  • I could change my ticket to an upgrade to First Class for $ 324, and I would earn bonus redeemable miles, bonus elite qualifying miles and bonus elite qualifying dollars.
  • I could take advantage of this upgrade offer for $ 336 (or $ 12 more) and I would not earn any bonus redeemable miles, Elite qualifying miles, or Elite qualifying dollars

Well, or I could just stick with my $ 49 ticket and hope for an upgrade, which is exactly what I’ll do. Although I enjoy the first class, I don’t appreciate it as much.

At the end of the line

American Airlines isn’t very aggressive in trying to sell upgrades, and in a way that’s a blessing, as it leaves more seats for elite upgrades. Now, I finally got an upgrade offer, and it’s $ 12 more than the difference between the economy class fare and the first class fare, and I wouldn’t earn any extra redeemable miles, or any extra credit. for elite qualification.

I hope American Airlines will continue to sell upgrades this way, because I would say that is good news for elite members. ??

Has anyone else received an upgrade offer from American? If so, was it as silly as this one?


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There is no shortage of private credit opportunities https://fastpaths.com/there-is-no-shortage-of-private-credit-opportunities/ https://fastpaths.com/there-is-no-shortage-of-private-credit-opportunities/#respond Tue, 21 Sep 2021 03:00:00 +0000 https://fastpaths.com/there-is-no-shortage-of-private-credit-opportunities/ Fixed income securities are fundamental to long-term investors, and as such, the lingering sovereign debt scenario and Covid-related effects on investable companies fuel a voracious and growing appetite of institutional investors for opportunities on the market. credit markets. To explore such opportunities, II recently spoke with Tyler Lindblad, Senior Managing Director, Credit Manager, Antares Capital. […]]]>

Fixed income securities are fundamental to long-term investors, and as such, the lingering sovereign debt scenario and Covid-related effects on investable companies fuel a voracious and growing appetite of institutional investors for opportunities on the market. credit markets.

To explore such opportunities, II recently spoke with Tyler Lindblad, Senior Managing Director, Credit Manager, Antares Capital. Lindblad was one of the founders of Antares 25 years ago and has extensive experience in successfully selecting and underwriting credits on various cycles. In short, Lindblad believes there are significant opportunities available and many opportunities to be very selective.

What’s your outlook on the credit market right now?

Tyler Lindblad: We are seeing very robust transaction activity, especially at the end of the Covid period when activity has been reduced. We’ve seen private equity sponsors raise significant capital, and they’re now looking to deploy that capital – and that also creates significant opportunities for business and private credit to deploy capital. We see a lot of high quality opportunities. From a senior debt perspective, we see multiples rising modestly and purchase prices rising. As a result, the amount of equity that sponsors invest in businesses has increased dramatically. When it comes to yields, there has been an increase in prices as a result of the pandemic. The terms were friendly from the lender’s point of view – but that has certainly changed.

Do you see some price suppression?

Lindblad: We are, albeit at a more normalized level – almost at 2019 levels. Where we have really seen a price cut is in the larger BSL [broadly syndicated loan] market, and the second lien market – which in turn has had some impact on the unitranches market. But even unitranche spreads remain higher than they were in 2019.

When you consider the improving economy and the high-quality companies that have entered the market, as well as the sponsors who are investing large equity capital and attractive prices, we think this is a good time to seriously consider private credit opportunities.

Everyone is talking about inflation. What do you think of the performance of borrowers in an environment of rising interest rates and the burden of debt service? Maybe a little inflation isn’t a bad thing?

Lindblad: I agree that a little inflation is not necessarily a bad thing, especially if you are a debt provider. If you provide corporate debt, a little moderate inflation is better than deflation. We really don’t want to see high inflation, but low inflation isn’t all bad. We are currently seeing some inflationary impact, and this reflects a US economy that has taken off significantly when it reopens. Consumers have started spending again, boosting the economy.

One gets the impression that there may be a “but” to come. . .

Lindblad: Quite true! From a credit perspective, we look at the pressure on raw materials in some industries, the pressure on the workforce in others, and the availability of talent in a competitive hiring environment. Labor costs are increasing. We always have an eye on the supply chain and product availability, and we are focused on lending money to companies that are market leaders and have pricing power because of their relationships and of the added value they offer to customers. Yes, they are under pressure, but they in turn can pass those costs on to their customers.

In the midst of everything we’ve been talking about, how do you balance deployment and selectivity while maintaining creditor protections?

Lindblad: The credit selection is always key and essential to the success of our business. We manage this by having large and deep sponsor relationships which generate a significant flow of transactions from us. When you generate a large flow of transactions, you can choose the best credits and be very selective. Right now, for example, our focus is on companies with business models focused on recurring revenue. In other words, where consumer products or services are consumed on a regular basis.

What does this mean in the context of Covid?

Lindblad: We are very keen on lending money to businesses and industries that have favorable demand drivers and growth potential. Sponsors will support high quality businesses during short term disruptions. We are also seeing that the terms and conditions are starting to become more flexible to the benefit of the borrower.

We have just come through a period where private credit took a serious stress test and came out brilliantly on the other side. But concerns about the risks persist. Nevertheless, you believe that the conditions are favorable for the deployment of capital. Can you put this point of view in context?

Lindblad: Private credit has undergone a significant stress test when it comes to Covid. High-quality borrowers have shown great resilience – they have bounced back. Some of these companies needed help and sponsors were there to inject additional capital to support them and provide them with liquidity. Roll the clock forward until today and the Delta variant begins to gain momentum. That said, the US economy is still open. And when we look at our portfolio, it continues to improve. Default rates are close to historic lows in our portfolio.

What did this mean for the performance?

Lindblad: Even compared to pre-Covid 2019, the portfolio has performed well, highlighting the fact that the US economy is in a robust position. As you mentioned, there are always concerns about the risk, whether it’s the Delta variant or something else. Having said that, we believe the US economy is on solid footing for the foreseeable future. When you think of private credit with variable rate debt, even if interest rates go up, our rates will go up with it – that’s a nice hedge. And at the end of the day, the sponsors raised some big bucks. They put more and more fairness in the transactions. We see them buying better quality companies. And with our portfolio – which has been well vetted – they make additional acquisitions at a lower price that helps them create value and allows us as a lender to deploy additional capital in high quality companies that have been checked.

See the latest insights from Antares.


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The good the bad and the ugly https://fastpaths.com/the-good-the-bad-and-the-ugly/ https://fastpaths.com/the-good-the-bad-and-the-ugly/#respond Mon, 20 Sep 2021 20:57:55 +0000 https://fastpaths.com/the-good-the-bad-and-the-ugly/ The latest version of the Biden Build Back Better program, released last week by the House Ways and Means committee (see our estimates of budgetary, economic and distributive impacts), is dense, with too many provisions to be fleshed out completely. Here’s a look at the good, the bad, and the ugly of it. Good Improved […]]]>

The latest version of the Biden Build Back Better program, released last week by the House Ways and Means committee (see our estimates of budgetary, economic and distributive impacts), is dense, with too many provisions to be fleshed out completely. Here’s a look at the good, the bad, and the ugly of it.

Good

Improved R&D cost recovery

Most provisions of the Ways and Means Set would increase the cost of capital, thereby reducing both the incentive to invest and long-term productivity growth. Two provisions, however, would improve the tax treatment of the investment, albeit temporarily.

The first is the deferral of the obligation to amortize research and development (R&D) expenditure. Historically, companies have been able to deduct the cost of R&D in the year it is incurred. However, the Tax Cuts and Jobs Act (TCJA) of 2017 provided for R&D expenses to be amortized over five years after 2021. With the impact of inflation and the time value of money, companies would not be able to deduct the full real value of their R&D investments. This would discourage investment in R&D, which in the long run would reduce productivity growth and standard of living, as firms would spend less money on innovation activities.

The Ways and Means plan would postpone the amortization obligation for four years, until 2026. A temporary deferral is not the ideal policy, which would be to make R&D expenses fully and immediately definitively deductible. But at least the Ways and Means proposal would give decision-makers a chance to make it permanent on the road.

Permanence and stability (for some things)

The proposal makes several policies permanent, reducing uncertainty for taxpayers. Recent changes to the Working Income Tax Credit (EITC) and the Child Care and Dependents Tax Credit (CDCTC) would become permanent, as would the New Business Tax Credit (NMTC, which had to be renewed several times since its promulgation in 2000).

The programs have mixed merits. Some, like the EITC, might be better suited as spending programs rather than tax code provisions. Others, like the NMTC, should be eliminated entirely, or, like the CDCTC, would overlap and duplicate the new spending proposals for childcare. However, if the provisions enter into force, it makes sense to follow the fundamental principle of stability.

Repeal of the distribution of expenses for GILTI

The expenditure allocation rules require that certain domestic expenses of U.S. multinational enterprises (MNEs) be partially reclassified as foreign expenses, resulting in the reclassification of certain foreign taxable income as domestic taxable income. Second, if US multinationals face a higher corporate tax rate abroad than at home, they end up having to pay domestic and foreign corporate tax on that income. The TCJA’s Global Intangible Low-Tax Income (GILTI) provision interacted poorly with this policy, increasing the frequency of this type of double taxation. The ways and means plan would repeal the expenditure distribution rules for GILTI.

The bad

Increase in corporate tax rate to 26.5 percent

The Biden proposal would raise the top corporate tax rate to 26.5%, while creating three tax brackets for corporations: 18% for corporations with net income below $ 400,000, 21% of $ 400,000 to $ 5 million in net income and 26.5% above $ 5 million.

While this is an improvement on the Biden administration’s proposals to increase the rate to 28%, a rate of 26.5% would still have significant costs. A higher corporate tax rate will reduce capital investment by reducing potential returns from new projects. In the long run, this translates into lower productivity growth and wages, and increased incentives to shift profits and move headquarters out of the United States.

Increase tax rates on top income and capital gains

The plan raises the top marginal personal income tax rate from 37% to 39.6% and the top marginal tax rate on long-term capital gains and dividends from 20% to 25%. It then adds a 3% surtax on income greater than $ 5 million for a married household (or $ 2.5 million for an individual filer) and extends the tax base on net investment income. (NIIT) 3.8% to include active business income. Including state and local taxes, the top federal-state marginal tax rate on capital gains would on average be close to 37%, and on passed-on business income would exceed 50% in most jurisdictions. States. These tax increases reduce incentives to save, invest and work, resulting in a smaller economy and fewer job opportunities.

Higher tax rates for GILTI and FDII

GILTI policy created a minimum tax of 10.5% on foreign income deemed attributable to intangible assets (defined as income exceeding 10% profit from tangible assets). Although it is intended to impose a minimum tax in the range of 10.5 to 13.125 percent, GILTI’s effective tax may exceed this amount. The GILTI provides for a penalty for recognizing profits abroad, but the TCJA has also created a positive incentive to recognize profits in the United States with the deduction for foreign derivative intangible income (FDII), offering a rate 13.125% tax on such income if recognized in the United States. , the lower corporate tax rate, the GILTI incentive and the FDII incentive have significantly reduced the profit shifting incentives for US multinationals.

The Ways and Means Bill would increase GILTI’s tax rate to 16.5% and make several changes to its structure. Likewise, the bill would raise the FDII’s tax rate to 20.7%.

There are many ways to change the international tax rules of the United States, good or bad. Raising tax rates on US multinationals does not necessarily meet the goal of reducing or eliminating profit shifting, and it would in fact make it worse, mainly due to the higher FDII rate. A well-designed international tax reform proposal should alleviate, not aggravate, these problems.

The ugly one

Selectively protect the pledge

The Ways and Means proposal is designed to be consistent with the Biden administration’s promise not to raise taxes for taxpayers earning less than $ 400,000. The biggest problem with the approach is that it focuses only on the legal impact of taxes and not on the economy. But in aiming to keep the commitment in terms of increasing direct taxes, the plan has a very strange conception in several areas, while ignoring it in others.

For example, the proposal to double excise taxes on tobacco would certainly run counter to the promise not to increase taxes for people earning less than $ 400,000. Indeed, tobacco taxes are among the most regressive. In addition, by attempting to establish product neutrality, the policy would end up discouraging much less harmful forms of nicotine consumption and thus worsening public health.

On the other hand, the approach of not directly raising taxes for people earning less than $ 400,000 leads to a tortured conception of certain tax changes, such as broadening the base of the NIIT. The 3.8% tax currently applies to some types of investment income where single taxpayers earn more than $ 200,000 ($ 250,000 jointly), but not all types. The proposal would apply the tax to currently excluded types of income above $ 400,000 for single taxpayers ($ 500,000 for joint tax filers), leaving a gap between $ 200,000 and $ 400,000 where certain types of income would not always be. not subject to 3.8% tax.

A new tax credit in every pot

For every temporary tax credit the bill eliminates or makes permanent, it creates at least four new credits (22 in total), while expanding existing (often temporary) ones. For example, it would expand the existing low-income housing tax credit and create a separate credit for building new homes, even though the credits are not the most effective tax change for creating new ones. housing. Likewise, while some energy credits are simpler than existing policy, the inclusion of current salary and apprenticeship requirements is particularly bureaucratic and unrelated to the goal of reducing carbon emissions.

Drug price control

The House Democrats’ bill includes a provision allowing the government to set the prices of prescription drugs under Medicare Part D. To enforce fixed prices, it would include a heavy excise tax on sales of manufacturers who do not comply with negotiated prices: up to 1900 percent in some cases, making it prohibitive not to participate. Medicare’s price control regime. While this program would reduce public spending on prescription drugs, it would also reduce long-term incentives to invest in medical R&D by lowering potential future returns. According to the Congressional Budget Office (CBO), a drop in pharmaceutical company revenues resulting from such a provision would drop eight to 15 new drugs onto the market over the next decade. Meanwhile, former CBO director Douglas Holtz-Eakin argues that the CBO’s current estimates are closer to the best-case scenario for this proposal’s impact on pharmaceutical innovation.

Lower drug prices would be good, but not at the expense of fewer drugs and less innovation.


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Fourth Quarter Costco Profit Snapshot: What to Watch https://fastpaths.com/fourth-quarter-costco-profit-snapshot-what-to-watch/ https://fastpaths.com/fourth-quarter-costco-profit-snapshot-what-to-watch/#respond Sun, 19 Sep 2021 12:15:00 +0000 https://fastpaths.com/fourth-quarter-costco-profit-snapshot-what-to-watch/ IInvestors have big questions before Costco‘s (NASDAQ: COT) report on fourth quarter and full year results. In a few days, the warehouse giant will unveil detailed sales and earnings trends while commenting on its outlook for the final months of fiscal 2021. We already know that the channel had significant customer traffic until the end […]]]>

IInvestors have big questions before Costco‘s (NASDAQ: COT) report on fourth quarter and full year results. In a few days, the warehouse giant will unveil detailed sales and earnings trends while commenting on its outlook for the final months of fiscal 2021.

We already know that the channel had significant customer traffic until the end of its financial year at the end of August. But Thursday’s announcement will show the price pressure on the retailer. Wall Street might even get an update on management thinking about a likely increase in membership fees in fiscal 2022.

Let’s take a closer look.

Image source: Getty Images.

Prices and costs

Costco already revealed in early September that it was finishing his exercise on a high note. Sales increased 9% in August and the fourth quarter. Same-store sales increased 13% for the full year 2021, placing the retailer ahead of its peers as Walmart (NYSE: WMT) and Kroger (NYSE: KR).

What we don’t know yet is how much of Costco’s business has been under pressure from pricing issues. Kroger recently reported that its profitability fell as the supermarket giant kept some prices low even as inflation pushed costs up.

Costco aims to be a price leader in the industry, so it could report even more gross margin nip. But keep in mind that the Warehouse Club derives most of its revenue from subscription fees, which means it can operate with significantly lower merchandise margins than its rivals.

COST Gross Profit Margin Chart

COST Gross profit margin data by YCharts.

Subscriber metrics

Costco releases its sales figures every month, but investors have to wait for its quarterly earnings reports to see important subscriber metrics. We’ll find out on Thursday how many new members the channel has attracted, including those who have opted for its premium tiers. Membership revenue, which accounts for the bulk of its revenue, is expected to show robust growth as buyers continued to spend freely until the end of August.

Keep a close eye on Costco’s renewal rate. This metric hovered around historic highs of 91%, reflecting deep satisfaction with its selection, pricing and multi-channel sales platform. Another good performance here would imply healthy momentum as the crucial holiday shopping season approaches.

Look ahead

The management team could point out supply chain challenges for the rest of the year, given the shipping bottlenecks in the industry today. The most likely impact of these issues would be lower profits as Costco spends more money on freight to maintain good inventory levels.

On the flip side, Wall Street is eagerly awaiting to hear about a potential increase in Costco’s annual membership fees, as a boost directly translates into higher earnings.

The retailer typically increases subscription fees every few years, and buyers might be receptive to the next increase in today’s inflationary atmosphere. Costco’s scale allows it to offer considerably lower prices in an environment like this, after all, which makes a membership more valuable.

Either way, look for Costco to comment optimistically on its growth initiatives, including adding new warehouses in the US and international markets, expanding its home delivery network, and gaining stakes in niches such as fresh produce, consumer electronics and home furnishings.

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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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5 signs your financial style doesn’t match your partner’s https://fastpaths.com/5-signs-your-financial-style-doesnt-match-your-partners/ https://fastpaths.com/5-signs-your-financial-style-doesnt-match-your-partners/#respond Sun, 19 Sep 2021 12:00:24 +0000 https://fastpaths.com/5-signs-your-financial-style-doesnt-match-your-partners/ You both love dogs, love the same movies, and can sit quietly in silence for hours on end, as long as you’re together. In short, you think you have found “the right one”. But what about your financial compatibility? Are you sure your financial styles match? Here are five signs it’s time to be on […]]]>

You both love dogs, love the same movies, and can sit quietly in silence for hours on end, as long as you’re together. In short, you think you have found “the right one”. But what about your financial compatibility? Are you sure your financial styles match? Here are five signs it’s time to be on the same financial page.

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1. Hidden debt

If you or your partner are hiding debts from each other, there is an obvious problem. Hiding debt can be a sign of shame, embarrassment, or just plain lack of confidence. No matter how much you enjoy being together, financial intimacy means sharing the good and bad details of your financial life.

Financial privacy depends on being honest about even the most embarrassing financial details. If you forgot to mention how much debt you are in, now is the time to tell the truth. If you think your partner is sitting on a pile of hidden debt, clean the air by creating a safe place to share financial secrets.

2. Too quick to use credit

A sure recipe for stress is when a partner takes out credit to pay off whatever pleases them, without a clear plan to pay off the debt. Worse yet, a partner expects you to bail them out when they are too deeply in debt.

While your partner’s spending habits can be a tricky subject to discuss, their ability to manage credit can set you back.

The same goes if you are the one who uses plastic without giving it much thought. Unless you pay off your credit cards in full each month, you risk incurring high interest rate debt. The problem with high interest debt is how quickly compound interest accumulates and the difficulty in getting out of debt once you’ve let that interest rise.

If you’re serious about your relationship, your partner has a right to know about your debt, and you should know if your partner is having trouble buying on credit. Ideally, you can work together to overcome the problem.

3. Bad credit

Let’s say you have great credit, but your partner has spent years randomly paying bills and their credit rating is bad. You usually take public transportation, but you’ve gotten far enough away from work that you both think it’s time to buy a car. You plan to buy it together. However, your partner’s credit rating is too low to qualify for a loan. Unless you earn enough to qualify on your own, you may have to wait to make the purchase, all because your partner has a low credit score.

Relationships change. It’s neither good nor bad, it’s just inevitable. Minor irritants that you can ignore early in the relationship (such as a partner with low credit) become significant and irritating. Like a pebble in a shoe, the more you face it, the more painful it becomes.

Before things get dire, sit down and discuss the importance of a good credit score. No matter which of you has poor credit, consider working together to give it a boost. Meeting the challenge together provides opportunities to make financial decisions and develop new financial skills as a couple.

4. Chronic unemployment

Millions of Americans lost their jobs last year due to COVID-19. And between 2000 and 2010, manufacturing in the United States fell by a third, forever changing the employment landscape. Job losses are occurring. But if your partner never seems to find a job that’s good enough for them or is repeatedly laid off, you might have a problem on your hands.

If you are looking for a sense of financial security, a chronically unemployed partner will likely be a challenge. Prevent it by finding out if your partner’s job losses are circumstantial (due to a recession, pandemic, or natural disaster) or choice (absenteeism, drug use, or verbal altercations). If the losses are due to circumstances, work together to find potential solutions, such as networking to find a job or starting a business. If the job losses are due to your partner’s choices, dig deeper to see if this is a situation you can live with.

5. Different dreams for the future

The safest way to run into a financial hurdle with your partner is to assume that you share the same dreams. If you haven’t discussed where you see yourself in the future, ask your partner what their dreams are. If you’ve dreamed of marriage, kids, and a house in the suburbs, and your partner dreams of retiring at 35 and volunteering with Doctors Without Borders, then you know.

Different dreams require different financial planning. For example, if you plan to live in the same city for the next 40 years, taking out a mortgage isn’t a bad idea. If you plan to travel the world, buying a home is a riskier proposition.

As warm and fuzzy as any relationship begins, there are always bumps in the road. The good thing about problems – even financial problems – is that once you solve them together, you have a plan for dealing with all kinds of day-to-day problems.


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Mountaineer Ranking: West Virginia vs. Virginia Tech | WVU SPORTS https://fastpaths.com/mountaineer-ranking-west-virginia-vs-virginia-tech-wvu-sports/ https://fastpaths.com/mountaineer-ranking-west-virginia-vs-virginia-tech-wvu-sports/#respond Sun, 19 Sep 2021 00:07:00 +0000 https://fastpaths.com/mountaineer-ranking-west-virginia-vs-virginia-tech-wvu-sports/ MORGANTOWN, W.Va. – At one point it appeared the Mountaineers were going to have a relatively easy and declared victory. In the end, however, it was more of relief than ecstasy as WVU had to hang on to a 27-21 win over Virginia Tech on Saturday. Atmosphere – For the third week in a row, […]]]>

MORGANTOWN, W.Va. – At one point it appeared the Mountaineers were going to have a relatively easy and declared victory. In the end, however, it was more of relief than ecstasy as WVU had to hang on to a 27-21 win over Virginia Tech on Saturday.

Atmosphere – For the third week in a row, West Virginia football on Saturday brought glorious weather.

Partly cloudy skies and 70-degree temperatures greeted the sold-out crowds at Mountaineer Field.

This was by far the largest and most enthusiastic crowd WVU has witnessed, at home or away, since the pre-pandemic days of 2019.

The Mountaineers gave their loyalists plenty of reasons to cheer from the first moment, as an 80-yard TD from Leddie Brown in West Virginia’s second offensive play caused 60,222 to shout.

They remained in the throat for the next three and a half hours. It was as good a daytime atmosphere as you will see anywhere. Note: A

Offense – West Virginia’s offense started the game with great enthusiasm.

WVU’s second offensive hit resulted in an 80-yard touchdown by Leddie Brown, and three more plays from Mountaineer collected another TD on a Jarret Doege connection to Bryce Ford-Wheaton from 29 yards.

In total, West Virginia has found the end zone on three of its first four possessions.

He added a field goal late in the second quarter, although that practice, which ended at the two-yard line, was the biggest negative for WVU’s offense in the first half, because he was unable to kick the ball during yet another landing.

Still, with a 24-7 lead and 270 total yards at halftime, it was hard to make any serious complaints at this point… the second half was another story, though.

West Virginia put up a 55-yard run to start the second half that added three more points to WVU’s lead.

The Mountaineer’s offense collapsed after that, scoring just 34 more yards, scoring no more runs and returning the ball twice in the last 25 minutes.

Merge the first half A with a second half F, and West Virginia’s offense becomes … Rating: C

Defense – The Mountaineers’ defensive front controlled the line of scrimmage for much of the game.

He’s lost control of quick Virginia Tech quarterback Braxton Burmeister on several occasions, but the Hokies offense hasn’t been able to find much room otherwise.

VT had just 144 offensive yards in the first half, including just 57 net rushing yards from his running backs.

The Hokie backers didn’t have a gain of more than five yards in the first 30 minutes.

Tech’s offense got things going late in the third quarter, however, and it had its momentum until the last four games.

At this point, with the game in play, the West Virginia D has taken a stand for the ages.

Jackie Matthews deflection of the pass to preserve victory will be long remembered as other huge defensive moments in this rivalry – Grant Wiley on top to stuff Lee Suggs at the goal line, Brian King coming out of his man for intercept Bryan Randall in the end zone. Now add Matthews to that legacy. Note: A-

Special teams – The West Virginia special teams made a big mistake, but it almost bit the Mountaineers in a big way.

After taking a 24-7 lead with 1:41 left before halftime, WVU let Tech’s Rakeem Blackshear loose for a 78-yard kickoff return.

This gave the Hokies hope to reduce West Virginia’s advantage, although VT wasted that long comeback by missing a short field goal.

Give WVU’s Malachi Ruffin credit for reuniting with Blackshear at Mountaineer Seven, otherwise the Hokies’ eventual missed FG would have been a touchdown.

The efforts of West Virginia’s other special teams also brought in some big games. Tyler Sumpter’s 68-yard punt overturned the court.

The resulting field position helped the Mountaineers score a touchdown on their next possession.

Casey Legg extended WVU’s lead to 27-7 in the first set of the second half with a 44-yard field goal. Rating – B +

Framing – I give Neal Brown and his team a lot of credit for helping the Mountaineers sprint to a 17-point halftime.

But with good credit must also come bad credit.

The Mountaineers’ own mistakes got the Hokies back in charge, although Tech also deserves credit for turning an apparent WVU leak into an incredibly exciting finish.

West Virginia may not have been perfect, but the only thing that really mattered was that they got a win, their second victory over a ranked opponent in the Neal Brown era.

Mountaineer’s coaches also deserve their fair share of credit for this achievement. Rating: C +


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Nifty Loans Company Offers Quick Personal Loans For People With Bad Credit https://fastpaths.com/nifty-loans-company-offers-quick-personal-loans-for-people-with-bad-credit/ https://fastpaths.com/nifty-loans-company-offers-quick-personal-loans-for-people-with-bad-credit/#respond Fri, 17 Sep 2021 19:26:12 +0000 https://fastpaths.com/nifty-loans-company-offers-quick-personal-loans-for-people-with-bad-credit/ The Australia-based company assures that even though its team of experts performs a credit check in its loan assessment, it won’t just look at a person’s bad credit. Individuals just need to submit a simple online application and get their results within an hour. Leading Australian company Nifty has stepped up efforts to provide quick […]]]>

The Australia-based company assures that even though its team of experts performs a credit check in its loan assessment, it won’t just look at a person’s bad credit. Individuals just need to submit a simple online application and get their results within an hour.

Leading Australian company Nifty has stepped up efforts to provide quick loans to people with bad credit.

Bad credit refers to a low credit score or a short credit history. Reasons such as maxed out credit cards or late payments can lower a person’s credit rating.

“If you have bad credit, you can’t avoid rejection from every lender. Some people may make the rule of not lending to anyone with bad credit and will reject you no matter what you do. This is where Nifty comes in, ”says Andy.

Nifty assures that even though its team of experts performs a credit check in its loan assessment, it will not just look at a person’s credit rating.

“We want to know your current financial situation and your spending habits. That’s why we can offer instant loans to people with bad credit, ”said Andy. “We support you, even if you have bad credit. “

For fast cash loans, individuals can apply online for a loan between $ 500 and $ 2,000 and repay it over a period of 12 months.

Customers just need to submit a simple online request and get their results within an hour.

“Nifty is proud of their super easy application process. Our loan applications are 100% online and only take a few minutes to complete. Compare that to getting a loan in the past, where you had to physically apply for a loan from a bank manager. Using our application process couldn’t be simpler. All you need is a device connected to the Internet, and you are good to go, ”says Andy.

The company has taken a unique approach to getting its customers the money they need by ensuring that small, affordable and fast loans and bad loans are available to ordinary Australians without having to shop around. traditional lender.

“We pride ourselves on a pragmatic approach to loans. Those who choose to apply with Nifty enjoy quick results, high customer service standards, and a smart application form that doesn’t grant them any administrative loans, ”Andy adds.

Nifty also has a special blog section where Australians can check out some helpful guides and tips, including tips on how to pay off a loan faster and how to budget.

Nifty’s recent article provided the top 10 tips for loan approval for those with bad credit. Some of the best tips include checking credit scores frequently to make sure people are on top of their financial game, are considering a credit card, and are handling multiple types of credit.

Those wishing to learn more about Nifty’s requirements or how loans work can visit the website for more information.

Media contact
Company Name: Smart personal loans
Contact: Customer service
E-mail: Send an email
Country: Australia
Website: https://www.niftypersonalloans.com.au/


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What’s the longest car loan you can get? https://fastpaths.com/whats-the-longest-car-loan-you-can-get/ https://fastpaths.com/whats-the-longest-car-loan-you-can-get/#respond Fri, 17 Sep 2021 19:01:06 +0000 https://fastpaths.com/whats-the-longest-car-loan-you-can-get/ With more and more car buyers choosing loans over 70 months, consumers may wonder which car loan is the longest they can get. However, the answer may vary depending on the lender and whether or not you are considering captive financing. In the case of FCA, Chrysler Capital has a maximum term of 84 months […]]]>

With more and more car buyers choosing loans over 70 months, consumers may wonder which car loan is the longest they can get. However, the answer may vary depending on the lender and whether or not you are considering captive financing.

In the case of FCA, Chrysler Capital has a maximum term of 84 months on all new vehicles. While longer loans usually come with higher rates, this isn’t always the case. Over the past year, we’ve seen some spectacular offers involving 0% APR for up to 84 months.

Longer loans can save buyers money, but some manufacturers encourage dealers to take larger, longer loans. Therefore, we recommend that consumers do their due diligence when considering whether a longer loan really makes sense to them.

Although there are 96 month loans, they may not be the best option. If you’re looking to lower your payments and have good credit, leasing a car might be a good idea with the right lease. In fact, factory incentives can translate into extremely cheap leases.

According to Experian, 1.91% of new car buyers in 2021 chose an 85-month loan. A year ago it was 4.57%. The average credit score for an 85-month loan was 714. If you have bad credit, the cost of a longer loan could be more than you think.

Those without first-rate credit may face other hurdles as well. For example, Hyundai allows dealers to mark up certain types of auto loans up to 2% when they involve a credit score of less than 620. This could make a longer loan much less affordable.

The best 0% TAP offers of the month


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Why it’s a bad idea to apply for multiple credit cards at once https://fastpaths.com/why-its-a-bad-idea-to-apply-for-multiple-credit-cards-at-once/ https://fastpaths.com/why-its-a-bad-idea-to-apply-for-multiple-credit-cards-at-once/#respond Fri, 17 Sep 2021 12:00:24 +0000 https://fastpaths.com/why-its-a-bad-idea-to-apply-for-multiple-credit-cards-at-once/ There are times when you may be tempted to sign up for multiple credit cards at once. There may be several cards offering great signup bonuses that you want to take advantage of. Or you may just want to get more purchasing power. As tempting as it may be to fill out multiple credit card […]]]>

There are times when you may be tempted to sign up for multiple credit cards at once. There may be several cards offering great signup bonuses that you want to take advantage of. Or you may just want to get more purchasing power. As tempting as it may be to fill out multiple credit card applications, here’s why you’re better off applying for new cards one at a time, and ideally space out the applications by at least 90 days.

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1. It could lower your credit score

New credit accounts are a factor in calculating your credit score. Too many new accounts opened at once could hurt your score. Plus, every time you apply for a credit card it counts as a serious investigation of your credit report. One serious request usually results in a 5-10 point drop in your credit rating, and that’s not that important in and of itself. But if you’re applying for, say, three cards at a time, it’s a much bigger hit when you add up those points.

2. It could open the door to too much spending

The more credit cards you get, the higher your total spending limit. And while a more generous spending limit might be nice in theory, it can also open the door to too much spending.

If you open multiple credit cards at once to chase signup bonuses, you might not be able to pay all of your balances on time. It could mean accumulating interest on your debt, making your purchases more expensive. Plus, having too high a total balance on your credit cards could lower your credit score more than just a few inquiries.

3. It could be a red flag if you apply to borrow money or rent a house.

You can apply for a few credit cards at a time while still managing to maintain a high credit rating. Suppose a series of serious investigations lower your score by 20 points, but you got a score of 825 to begin with. That still leaves you with an 805, which is considered excellent.

That said, anyone who checks your credit report may find it alarming that you’ve suddenly added so many credit cards. If you are applying to rent an apartment, a landlord may see this activity and wonder why you suddenly need access to more credit – and possibly deny you a rental. The same could happen if you apply for a loan.

There is nothing wrong with slowly building a credit card collection. But be careful not to apply too many at the same time. It could really backfire on you.


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