By Jordan E. Goodman
AARP electronic variations provide you with functional information, confirmed strategies, and specialist tips.
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Extra info for AARP Master Your Debt. Slash Your Monthly Payments and Become Debt Free
Here’s what happened when all of that came together: Lenders that issued mortgages, car loans, student loans, and even credit card accounts were able to make money fast by qualifying a borrower, collecting a fee (or, more typically, a lot of fees), and then selling the loan off to someone else. The lenders didn’t even really care whether the borrower made good on the loan; they only cared about the borrower looking good enough to qualify in the first place. As interest rates fell in the 1990s, refinancing became another popular way for lenders to make money, over and over again, from the same homeowners.
6. Are you a big revolver? Fixed-term loans, such as most car loans and mortgages, have a definite end date when, if you make the required monthly payments, you’ll have paid the loan in full. Credit cards and home equity lines of credit are different. They revolve, meaning that you can carry a balance from month to month and make minimum payments and borrow new money and get a new balance and never pay off the loan. That can come in handy if you have big cash flow issues. For example, if you’re self-employed and your income is very volatile, you can use the open-endedness of the revolving account to smooth your cash flow.
EISBN : 978-0-470-59586-2 1. Finance, Personal. 2. Debt. 3. Consumer credit. I. Westrom, Bill. II. Title. 024’02—dc22 2009041476 To my mother, Norma Bromberg Goodman, who first nurtured my interest in personal finance and who has always supported with love and enthusiasm everything I do. Acknowledgments Master Your Debt would not have been possible without the generous and skillful contributions and extremely hard work of many talented people. Foremost among these contributors is the team of Lynn Sonberg and Roger Cooper, who worked with me to hone the original idea of the book into its final form.