Packing or loading payments is a slang term used to describe a practice promoted by the credit insurance business and used by the auto industry to get customers to agree to purchase additional products, without revealing their true impact on their monthly payments. Automobile dealers who use "packed" or "loaded" payment quotes try to conceal their actions, so you may not realize immediately that you are being misled.
When you're trying to fund college you should look into all borrowing options. If you have significant financial need you may qualify for a federal Perkins loan. To see if you're eligible, you should fill out a Free Application for Federal Student Aid (FAFSA) form.
If you're considering a Hybrid or Alternative Fuel automobile, the government may be willing to give you a break. Qualifying electric vehicles and clean-fuel vehicles (including gasoline/electric hybrids) purchased new are eligible for federal income tax incentives. Some state and local governments also provide incentives for alternative fuel vehicles.
Concerned you may make a bad decision when buying a new car? You're not alone.
Young and single individuals age 21 to 25 are the fastest-growing portion of first-time buyers. Although some of these home buyers are purchasing homes they will live in, others are purchasing these homes as investments. Real estate has long stood the test of time as an investment. It generally appreciates slowly, at just above the rate of inflation. For most of us, our biggest investment in real estate will be our own homes.
When considering a new home, the location is almost as important as the condition of the house.
What's the difference between a real estate agent and a real estate broker? Training and experience. Both real estate agents and brokers take classes but brokers take additional classes and have likely worked in the industry longer. When you're buying or selling a home, it's likely that either a real estate agent or broker could help you.
