Remar Finance


Want to improve your credit score? Want to cut your tax bills?  Like to tear up hundred dollar bills? (You're probably doing that). How about this:  want to wake up retired and without money?  Your Financial Well-being rules your life.  We put you in charge of the rules.

 

Are You Getting the Most for Your Vacation Dollar?

Tips for Getting a Great Vacation at a Great Price

May 2013

Are you already thinking about a summer vacation? Getting away from the daily grind can be refreshing and energizing. Too often, that feeling lasts only until the bills arrive. Then buyer’s remorse strikes.

You can avoid spending more than you can afford on this year’s vacation—or any vacation. All you have to do is ask yourself the right questions and invest some time in planning. That may sound like drudgery—particularly when a TV ad promises a dream resort vacation for "one low inclusive price" if you call immediately. Stop before you pick up that phone. Planning done right can be a fun treasure hunt. A little time spent exploring your options online and via phone can save you big. Here’s how to do it.

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Financing Higher Education

financing-college.jpgIt's never too early or too late to start planning for your children's education after high school. The earlier you adopt a savings plan, the more options you have for building that nest egg to pay for college or vocational school. But even if your child is approaching high school graduation, it's not too late to plan how best to use your resources. For example, in addition to savings, there are a number of lower-cost educational loan plans in which the parents or student may participate.

Savings Plans

Savings are a primary source for paying college or vocational school tuition and expenses. Savings plans can take many forms, and they can be started by a parent, child (or prospective student), relatives and friends. Here is an overview of a few of the many savings options, including the potential tax benefits or other benefits each may offer.

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CREDIT 101

istock_000002981814smallCREDITWORTHINESS

 Your "creditworthiness" is the single most important factor we look at when deciding whether to grant you a loan on the terms you requested. Your creditworthiness determines how much you can borrow, for how long you can borrow, and your interest rate. Your creditworthiness is derived from many factors such as your income, your credit history, your current debt load, and your repayment history. This information usually comes from your Credit Report.

CREDIT REPORTS AND CREDIT SCORES

A Credit Report is a record of your credit payment history. We use the Credit Report as a tool to help us decide whether to grant you credit on the terms you requested. It is the best tool we have to determine your creditworthiness because it is comprehensive and objective.

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Avoiding "Loan" Schemes and Other "Services" Risky to Your Financial Well-being

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There are many schemes and scams that aim to make a buck on people who may be feeling pressure financially and who are unwary. We have seen dozens of ads and email solicitations for "opportunities" that could wreck an already stressed budget. So this report details 1) some schemes and scams to avoid always and 2) some services that may be helpful in certain circumstances but that you must choose wisely how to use.

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