Getting a mortgage or student loan

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Personal Finance: Organize, Manage, Research, and Invest Online

The Internet can streamline your ongoing personal finance tasks and keep you informed about changes and opportunities in the financial world that may affect you. There are tools for learning the basics, doing your banking online, and managing your budget, credit, and loans.

Basics of personal finance

Money makes the world go round, but leaves many of us in the dark. Understanding the nuances of ... read more »

Financial news sources

The market changes every day. To stay up-to-date on global and private economic conditions, read ... read more »

Online banking tips and tools

It's possible to conduct all your normal bank business from your own computer, 24 hours a day. ... read more »

Personal budgeting

Since your allowance days, you've been on a budget. Then, you had to make tough choices like ... ... read more »

Help calculating and filing your taxes

Nobody likes paying taxes, but being prepared and efficient can save you time, money, and prevent a ... read more »

Getting a mortgage or student loan

Sometimes life costs more than you have in the bank. When the time comes to buy a house or car or pay for college, taking out a loan might be a necessary step. Before you apply for a loan, you will want to research all your options and understand the responsibilities and benefits involved. Not only can the Web supply useful information and help you compare statistics, but you can also apply for a loan online.

Dulcinea's Insight

  • Many Web sites help you find loans and rates. These sites can be useful, but unless you actually plan to apply for a loan, be sure not to enter any confidential information such as credit card details or your social security number.
  • As with online banks accounts, online loans are often available at better rates than you'd find at bricks-and-mortar banks thanks to the very low overhead of such institutions.
  • Most of the sites for home loans also provide information and rates on car loans and other types of loans.
  • Disclosed fee mortgage brokers are an alternative to the standard mortgage broker that's worth considering. A typical mortgage broker has a financial incentive to squeeze as much money out of a client as possible, by tacking on fees and inflating others where possible. Using a disclosed-fee mortgage broker means you pay one fixed sum, so you can proceed with the peace of mind that comes from knowing you aren't being scammed. For more information about mortgages, see our findingDulcinea Mortgages Web Guide.
  • Even if you don't intend to get your car loan online, you can use the Web to research the current rates before you negotiate with a dealer. Armed with a good idea of what a fair rate is, you'll be able to negotiate more effectively.

Dulcinea's Picks

To decide what you can afford ...
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Credit and debt

Credit cards and loans are a great convenience, but you need to manage debt carefully. Staying ... read more »

Planning for retirement

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