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Credit Terms

Credit
confidence in a purchaser's ability and intention to pay, displayed by entrusting the buyer with goods or services without immediate payment

Principal
the original money on which interest is made.

Interest
A charge for a loan, usually a percentage of the amount loaned and/or an excess or bonus beyond what is expected or due.

Car loan
a personal loan to purchase an automobile

Installment loans
a loan repaid in periodic payments.

Credit cards
a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them.

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Tips:
Credit System is designed to hurt people, once you fall behind its difficult to recover from it. Its time consuming and mainly the banks loves this because they can charge you more in fees, fines and interest. The worst you score is the more money they profit off you. 79% of credit reports have errors on there ON PURPOSE. If you get them removed your score will rise. Dispute the most obvious errors on your credit report. Accurate items can be removed as well. To get them removed just ask them from proof such as a signature, which most of the time don't exist therefore they have to remove it.

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5 Costs You Need to Consider Before Buying a Home

Home prices are on the rise nationally. Record low inventory coupled with high demand is pushing prices up. If you’re looking to buy a home and considering stretching your finances a bit, remember that there are many costs beyond the selling price. It’s important to weigh all the “little extras” when figuring out your budget.

Here are some top costs to consider while you are in home buying process and budget for your first year as a homeowner.

Hiring a home inspector

Once you’re under contract, you want to make sure your dream home is as perfect as, well, you dreamed it would be.

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If you want something out of life and want to become of substance surround yourself with people that are doing the same thing and going to a higher place than you. Learn by examples of the great ones and stop letting the crabs lead your life that will result in failure results. Get great results by putting God first, submit to him and then focus on a definite plan. -
#BossLadiMy

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