Minor Dropcash Update
In the past, when a payment was marked pending, Dropcash ignored the info and waited until it received a "Completed" message from PayPal. This caused some confusion for people wondering why they had received a payment in their PayPal account, but didn't see it reflected on their progress bar.
Now, when a "Pending" message is sent to Dropcash, it will email the fundraiser telling them the reason the payment is pending. I took the information from this page:
https://www.paypal.com/cgi-bin/webscr?cmd=p/acc/ipn-info-outside
posted by Andre at
6:03 PM
38 Comments:
If you accept a payment in a form other than US$, will DropCash pickup the change?
I just had someone donate in £'s - and I did not convert it to $'s when I accepted it.
thanks!
By
Erika, at February 25, 2005 10:07 AM
What happens when you you meet your goal? Does it continue to go over or is there a way to delete it or perhaps close a campain so it wont accept any more donation or perhaps even a rollover into another campain?
By
Johnny Crow, at March 4, 2005 11:14 PM
Big News From The Healthcare Industry!!
+++++++++++Current Profile+++++++++++
Faceprint Global Solutions (FCPG)
Current Price $0.15
A company with hot new identity solution products
and licenses with over 40 current governmental and
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+++++++++++++++++++++++++++++++++
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Please read the following Announcement in its Entirety and Consider the Possibilities�
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FCPG volume trading is beginning to surge with this landslide Announcement. The value of this
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BREAKING NEWS!!
Faceprint Global Solutions (FCPG) is pleased to announce that its European partner, Keyvelop, has teamed up with IBM's Partner World Industry Networks to deliver customer software requirement solutions for the international healthcare industry.
With FGS owning the exclusive North American rights to distribute the worlds leading encryption and transmission software developed by Keyvelop, FGS is poised to capture large volumes of sales generated by customers currently using IBM's software in the healthcare and other industries.
With traceability and security now deemed a serious business priority, companies are increasingly focused on employing procedures and controls designed to ensure the authenticity, integrity and confidentiality of electronic records.
"This is a very positive move for FGS and for Keyvelop," said FGS CEO Pierre Cote. "We are very happy about the decision to go with IBM. This is a continuation of the progress made by everyone associated with FGS and its partners."
Buell Duncan, IBM's general manager of ISV & Developer Relations commented, "Collaborating with Keyvelop will ensure that we develop open solutions that are easy to maintain and cost effective for our customers in the healthcare and life sciences industry."
Among other things, this new software technology which is currently being used by a number of European healthcare companies, is used to send any file, regardless of format or size. Encryption keys, evidence of transmission integrity with fingerprint calculation, time-stamping of all actions and status record updating, pre-checking sender and receiver identities, validating file opening dates are part of Keyvelop features.
About FacePrint Global Solutions, Inc.
FGS operates a business, which develops and delivers a variety of technology solutions, including biometric software applications on smart cards and other support mediums (apometric solutions). FGS's products provide biometric solutions for identity authentication and a host of smart card- and biometrics-related hardware peripherals and software applications. Apometrix, FGS's wholly-owned subsidiary, combines on-card or in-chip multi-application management solutions with best-of-breed 'in-card matching' biometrics. Keyvelop's secure digital envelope solution and Apometrix's on-card biometrics work together to produce the winning combination in the fields of security, traceability and identity management. FGS is headquartered in Fresno, California.
Conclusion:
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All statements made are our express opinion only and should be treated as such. We may own, take position and sell any securities mentioned at any time. Any statements that express or involve discussions with respect to predictions, goals, expectations, beliefs, plans, projections, objectives, assumptions or future events or performance are not statements of historical fact and may be "forward looking statements." Forward looking statements are based on expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated. This profile is in no way affiliated with the featured company. We were compensated one thousand dollars from third party (IR Marketing) to distribute this report. Forward looking statements in this action may be identified through the use of words such as: "projects", "foresee", "expects". in compliance with Section 17(b), we disclose the holding of FGS shares prior to the publication of this report. Be aware of an inherent conflict of interest resulting from such holdings due to our intent to profit from the liquidation of these shares. Shares may be sold at any time, even after positive statements have been made regarding the above company. Since we own shares, there is an inherent conflict of interest in our statements and opinions. Readers of this publication are cautioned not to place undue reliance on forward-looking statements, which are based on certain assumptions and expectations involving various risks and uncertainties that could cause results to differ materially from those set forth in the forward- looking statements. This is not solicitation to buy or sell stocks, this text is for informational purpose only and you should seek professional advice from registered financial advisor before you do anything related with buying or selling stocks, penny stocks are very high risk and you can lose your entire investment.
By
vadz97arpr, at August 13, 2005 5:17 AM
Is there a list of pending features or something to that effect? The biggest thing I'm curious about: what if I rcv a donation from some other source (grandmother sends a regular check, for example), is there some way to add that to the campaign amount?
Is there a way to edit a campaign total amount? (Let's say we initially thought I needed $3000 for the "send me to college this semester fund" and tuition went up?)
It looks like a great idea and I'm very interested in using it, just waiting to see if its going to be fleshed out a bit more.
By
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By
TWPAdmin, at October 22, 2005 3:25 AM
Hi Andre,
Have you heard of zoekmachine marketing? It is Dutch for searchengine marketing.
The best compnay in the Netherlands for zoekmachine marketing, or as English people call itsearchengine marketingis by farW2Solutions!. It is an Nederlandse internet marketing bedrijf or company.
They actually guarantee de hoogste zoekmachine plaatsing that means zoekmachine marketing wise the highest searchengine ranking.
They will place you on the first page of yahoo In holland we say nummer 1 op yahoo.
So when you need of Top tien plaatsing? It is Dutch for top tien zoekmachine plaatsing.
OR even zoekmachine marketing? It is Dutch for searchengine marketing.
They'll place you on the top page from yahoo within 5 days!
Say, Andre
When is the last time you made money online?
Take a good look at www.richin2006.com. This site guarantees anyone to be rich in 2006. The site is about making some serious money online!.
It is described into detail for you. And, concidering you can take your new homebased business to the highest level in an instant, you will figure out that you can earn $ 1000,00 per day! can make you some serious cash. Thousands of people are making online cash with my working formula
So, have a good look today and see why my secret formula will earn you some great money. It is SO simple with taking surveys as well.
So come on and have your own surveys to start making that fortune!
Regards,
professional Money makers online.
By
Wealthy from the internet, at November 1, 2005 12:12 PM
Hi Andre,
Have you heard of zoekmachine marketing? It is Dutch for searchengine marketing.
The best compnay in the Netherlands for zoekmachine marketing, or as English people call itsearchengine marketingis by farW2Solutions!. It is an Nederlandse internet marketing bedrijf or company.
They actually guarantee de hoogste zoekmachine plaatsing that means zoekmachine marketing wise the highest searchengine ranking.
They will place you on the first page of yahoo In holland we say nummer 1 op yahoo.
So when you need of Top tien plaatsing? It is Dutch for top tien zoekmachine plaatsing.
OR even zoekmachine marketing? It is Dutch for searchengine marketing.
They'll place you on the top page from yahoo within 5 days!
Say, Andre
When is the last time you made money online?
Take a good look at www.richin2006.com. This site guarantees anyone to be rich in 2006. The site is about making some serious money online!.
It is described into detail for you. And, concidering you can take your new homebased business to the highest level in an instant, you will figure out that you can earn $ 1000,00 per day! can make you some serious cash. Thousands of people are making online cash with my working formula
So, have a good look today and see why my secret formula will earn you some great money. It is SO simple with taking surveys as well.
So come on and have your own surveys to start making that fortune!
Regards,
professional Money makers online.
By
Wealthy from the internet, at November 1, 2005 4:36 PM
NEVER HOMELESS AGAIN THANKS TO THE INTERNET!! - INTERNET SAVED ME
Dear Andre,
There is a lot been said about making money online. But, let me tell you this. Money can be made online. Even if you own nothing at all.
I used to be fully homeless. Completely on the streets. I had lost everything due to my company going completely broke. Life on the streets is very tough, and one needs to learn quick. You learn to eat from dustbins and you learn that a dog is a man's best friend. In this period I had no other means of income than to try and get one online.
Why online? This is what happened when I went for help after loosing everything. It happened at the social security office: The lady behind the counter adviced me to go and rob a bank. This is what she said! She said I had more chance on getting some money robbing a bank. And then she went of for lunch. I knew I had to do something my self. I did not want to do anything illegal, so I started to think of what was possible.
I knew out of previous experiences that making money online was possible. This could save me! I then used the free Internet services from libraries etc to browse for something that could help me.
I actually found four programs that would suit me. But, there was a big but. They cost money. Believe me or not, but when you are homeless you have a lot of spare time. When you use this spare time wisely, you can actually get somewhere. Even when you are on the absolute bottom. I started to collect empty bottles. For the money that I earned returning them to the shops, I bought my first money making program. It took me a while but it started to make me money! To make a log story short, I used the money that I made with this program to invest in the other programs. The next month I was living in an appartment!
Now, 9 months later, I am making a steady $7,000.00 - $9,000.00 per month. The amazing part is, that most of my time I am not spending on working. (nor collecting bottles) My programs take only a few hours of my time per day. I work them in my own house, overlooking the river I once walked while I was homeless. I still walk past the river, now only to walk my little Jack Russle. He is my everything.
This is what happened to me in a short story. The main essence from the story is:
you can make serious money online when you want this.
If you are interested in the programs I use, I have posted them on my blog.
As I have told some more people of this, they tried it and it worked out the same for them. If a homeless man can do it, what is your excuse not to?
Please read my my blog to try the programs yourself. They all offer 100% money back.
Kindest regards,
Walter
By
never homeless again, at November 4, 2005 6:50 PM
Hi Andre, I was just doing a search on the net for lost blog and I came accross your post. Although Minor Dropcash Update wasn't what I was interested in, it sure grabbed my attention. Now I see why I found your page when I was looking for lost blog related information. Thank You-----Great Post.
By
Sam Wells, at November 12, 2005 3:13 PM
Hi Andre I’ve been looking for Christian news related blogs and I came across yours on Minor Dropcash Update during my trawl, so I thought it would be polite to let you know about my visit. I have just recently started a daily news feed on my own site and you are most welcome to come and visit me at Christian news. I would also be happy to trade links with you if you are interested. Bye for now and have a nice day! Roy
By
Brother Roy, at November 25, 2005 5:24 PM
Hi Andre I’ve been looking for Christian news related blogs and I came across yours on Minor Dropcash Update during my trawl, so I thought it would be polite to let you know about my visit. I have just recently started a daily news feed on my own site and you are most welcome to come and visit me at Christian news. I would also be happy to trade links with you if you are interested. Bye for now and have a nice day! Roy
By
Brother Roy, at November 25, 2005 6:32 PM
We appreciate your blog Minor Dropcash Update and expect a piece of signature from your knowledge at our No Fax Payday Loans. your comments will be a boost for us.
By
king, at November 30, 2005 11:11 AM
Hello Andre ,
Als je bij een bank niet slaagt voor financiering een heb je dan bij een online financieringen nog wel kans?
By
kredietlenenhypotheken, at December 3, 2005 8:50 PM
Hello Andre ,
Als je bij een bank niet slaagt voor financiering een heb je dan bij een online financieringen nog wel kans?
By
kredietlenenhypotheken, at December 3, 2005 9:24 PM
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lennyfisher5124, at January 24, 2006 12:17 AM
Hi, You have a great site!
I was looking for a Dutch site on lening and Google gave your blog too. I thought it was cool! :-) Thanks!
By
alberthaanstra, at February 3, 2006 7:34 AM
dropchash requires a delete campagin button...
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kevintheobold21456492, at May 7, 2006 8:43 PM
Debt Consolidation
Debt Help can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com
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qls6ws13n, at October 3, 2006 7:55 AM
Debt Consolidation
Debt Help can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com
By
http://www.debt-consolidation.com, at October 25, 2006 4:41 PM
Debt Consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.
Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset in order to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.
Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.
Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.
Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending. Certainly many, if not most, debt consolidation transactions do not involve predatory lending.
Student Loan Consolidation
In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.
Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans, 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.
Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.
Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; Experian or Transunion, which means that students will have differing credit scores at Equifax Transunion, and Experian.
Mortgage Loan Types
There are many types of mortgage loans. The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage.
In a FRM, the interest rate, and hence monthly payment, remains fixed for the life (or term) of the loan. In the U.S., the term is usually for 10, 15, 20, or 30 years. The only increase a consumer might see in their monthly payments would result from an increase in their property taxes or insurance rates (paid using an escrow account, if they've opted to use an escrow). But payments for principal and interest will be consistent throughout the life of the loan using an FRM.
In an ARM, the interest rate is fixed for a period of time, after which it will periodically (annually or monthly) adjust up or down to some market index. Common indices in the U.S. include the Prime Rate, the London Interbank Offered Rate (LIBOR), and the Treasury Index ("T-Bill"). Other indexes like 11th District Cost of Funds Index, COSI, and MTA, are also available but are less popular.
Adjustable rates transfer part of the interest rate risk from the lender to the borrower, and thus are widely used where unpredictable interest rates make fixed rate loans difficult to obtain. Since the risk is transferred, lenders will usually make the initial interest rate of the ARM's note anywhere from 0.5% to 2% lower than the average 30-year fixed rate.
In most scenarios, the savings from an ARM outweigh its risks, making them an attractive option for people who are planning to keep a mortgage for ten years or less.
Additionally, lenders rely on credit reports and credit scores derived from them. The higher the score, the more creditworthy the borrower is assumed to be. Favorable interest rates are offered to buyers with high scores. Lower scores indicate higher risk to the lender, and lenders require higher interest rates in such scenarios to compensate for increased risk.
A partial amortization or balloon loan is one where the amount of monthly payments due are calculated (amortized) over a certain term, but the outstanding principal balance is due at some point short of that term. This payment is sometimes referred to as a "balloon payment". A balloon loan can be either a Fixed or Adjustable in terms of the Interest Rate. Many Second Trust mortgages use this feature. The most common way of describing a ''balloon loan'' uses the terminology X due in Y, where X is the number of years over which the loan is amortized, and Y is the year in which the principal balance is due. A contract could be written up so there would be more than one "balloon payment" required to be paid during the life of the loan.
Other loan types
Assumed mortgage
Blanket loan
Bridge loan
Budget loan
Commercial Loan
Deed of trust
Equity loan
Hard money loan
Jumbo mortgages
Package loan
Participation mortgage
Reverse mortgage
Repayment mortgage
Seasoned mortgage
Term loan or Interest-only loan
Wraparound mortgage
Negative amortization loan
Non-Conforming Mortgage
Debt Consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.
Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset in order to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.
Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.
Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.
Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending. Certainly many, if not most, debt consolidation transactions do not involve predatory lending.
Student Loan Consolidation
In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.
Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans, 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.
Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.
Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; Experian or Transunion, which means that students will have differing credit scores at Equifax Transunion, and Experian.
Mortgage Loan Types
There are many types of mortgage loans. The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage.
In a FRM, the interest rate, and hence monthly payment, remains fixed for the life (or term) of the loan. In the U.S., the term is usually for 10, 15, 20, or 30 years. The only increase a consumer might see in their monthly payments would result from an increase in their property taxes or insurance rates (paid using an escrow account, if they've opted to use an escrow). But payments for principal and interest will be consistent throughout the life of the loan using an FRM.
In an ARM, the interest rate is fixed for a period of time, after which it will periodically (annually or monthly) adjust up or down to some market index. Common indices in the U.S. include the Prime Rate, the London Interbank Offered Rate (LIBOR), and the Treasury Index ("T-Bill"). Other indexes like 11th District Cost of Funds Index, COSI, and MTA, are also available but are less popular.
Adjustable rates transfer part of the interest rate risk from the lender to the borrower, and thus are widely used where unpredictable interest rates make fixed rate loans difficult to obtain. Since the risk is transferred, lenders will usually make the initial interest rate of the ARM's note anywhere from 0.5% to 2% lower than the average 30-year fixed rate.
In most scenarios, the savings from an ARM outweigh its risks, making them an attractive option for people who are planning to keep a mortgage for ten years or less.
Additionally, lenders rely on credit reports and credit scores derived from them. The higher the score, the more creditworthy the borrower is assumed to be. Favorable interest rates are offered to buyers with high scores. Lower scores indicate higher risk to the lender, and lenders require higher interest rates in such scenarios to compensate for increased risk.
A partial amortization or balloon loan is one where the amount of monthly payments due are calculated (amortized) over a certain term, but the outstanding principal balance is due at some point short of that term. This payment is sometimes referred to as a "balloon payment". A balloon loan can be either a Fixed or Adjustable in terms of the Interest Rate. Many Second Trust mortgages use this feature. The most common way of describing a ''balloon loan'' uses the terminology X due in Y, where X is the number of years over which the loan is amortized, and Y is the year in which the principal balance is due. A contract could be written up so there would be more than one "balloon payment" required to be paid during the life of the loan.
Other loan types
Assumed mortgage
Blanket loan
Bridge loan
Budget loan
Commercial Loan
Deed of trust
Equity loan
Hard money loan
Jumbo mortgages
Package loan
Participation mortgage
Reverse mortgage
Repayment mortgage
Seasoned mortgage
Term loan or Interest-only loan
Wraparound mortgage
Negative amortization loan
Non-Conforming Mortgage
can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
By
connecticutlawyers, at October 25, 2006 9:34 PM
Debt Consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.
Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset in order to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.
Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.
Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.
Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending. Certainly many, if not most, debt consolidation transactions do not involve predatory lending.
Student Loan Consolidation
In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.
Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans, 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.
Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.
Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; Experian or Transunion, which means that students will have differing credit scores at Equifax Transunion, and Experian.
Mortgage Loan Types
There are many types of mortgage loans. The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage.
In a FRM, the interest rate, and hence monthly payment, remains fixed for the life (or term) of the loan. In the U.S., the term is usually for 10, 15, 20, or 30 years. The only increase a consumer might see in their monthly payments would result from an increase in their property taxes or insurance rates (paid using an escrow account, if they've opted to use an escrow). But payments for principal and interest will be consistent throughout the life of the loan using an FRM.
In an ARM, the interest rate is fixed for a period of time, after which it will periodically (annually or monthly) adjust up or down to some market index. Common indices in the U.S. include the Prime Rate, the London Interbank Offered Rate (LIBOR), and the Treasury Index ("T-Bill"). Other indexes like 11th District Cost of Funds Index, COSI, and MTA, are also available but are less popular.
Adjustable rates transfer part of the interest rate risk from the lender to the borrower, and thus are widely used where unpredictable interest rates make fixed rate loans difficult to obtain. Since the risk is transferred, lenders will usually make the initial interest rate of the ARM's note anywhere from 0.5% to 2% lower than the average 30-year fixed rate.
In most scenarios, the savings from an ARM outweigh its risks, making them an attractive option for people who are planning to keep a mortgage for ten years or less.
Additionally, lenders rely on credit reports and credit scores derived from them. The higher the score, the more creditworthy the borrower is assumed to be. Favorable interest rates are offered to buyers with high scores. Lower scores indicate higher risk to the lender, and lenders require higher interest rates in such scenarios to compensate for increased risk.
A partial amortization or balloon loan is one where the amount of monthly payments due are calculated (amortized) over a certain term, but the outstanding principal balance is due at some point short of that term. This payment is sometimes referred to as a "balloon payment". A balloon loan can be either a Fixed or Adjustable in terms of the Interest Rate. Many Second Trust mortgages use this feature. The most common way of describing a ''balloon loan'' uses the terminology X due in Y, where X is the number of years over which the loan is amortized, and Y is the year in which the principal balance is due. A contract could be written up so there would be more than one "balloon payment" required to be paid during the life of the loan.
Other loan types
Assumed mortgage
Blanket loan
Bridge loan
Budget loan
Commercial Loan
Deed of trust
Equity loan
Hard money loan
Jumbo mortgages
Package loan
Participation mortgage
Reverse mortgage
Repayment mortgage
Seasoned mortgage
Term loan or Interest-only loan
Wraparound mortgage
Negative amortization loan
Non-Conforming Mortgage
Debt Consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.
Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset in order to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.
Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.
Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.
Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending. Certainly many, if not most, debt consolidation transactions do not involve predatory lending.
Student Loan Consolidation
In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.
Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans, 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.
Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.
Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; Experian or Transunion, which means that students will have differing credit scores at Equifax Transunion, and Experian.
Mortgage Loan Types
There are many types of mortgage loans. The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage.
In a FRM, the interest rate, and hence monthly payment, remains fixed for the life (or term) of the loan. In the U.S., the term is usually for 10, 15, 20, or 30 years. The only increase a consumer might see in their monthly payments would result from an increase in their property taxes or insurance rates (paid using an escrow account, if they've opted to use an escrow). But payments for principal and interest will be consistent throughout the life of the loan using an FRM.
In an ARM, the interest rate is fixed for a period of time, after which it will periodically (annually or monthly) adjust up or down to some market index. Common indices in the U.S. include the Prime Rate, the London Interbank Offered Rate (LIBOR), and the Treasury Index ("T-Bill"). Other indexes like 11th District Cost of Funds Index, COSI, and MTA, are also available but are less popular.
Adjustable rates transfer part of the interest rate risk from the lender to the borrower, and thus are widely used where unpredictable interest rates make fixed rate loans difficult to obtain. Since the risk is transferred, lenders will usually make the initial interest rate of the ARM's note anywhere from 0.5% to 2% lower than the average 30-year fixed rate.
In most scenarios, the savings from an ARM outweigh its risks, making them an attractive option for people who are planning to keep a mortgage for ten years or less.
Additionally, lenders rely on credit reports and credit scores derived from them. The higher the score, the more creditworthy the borrower is assumed to be. Favorable interest rates are offered to buyers with high scores. Lower scores indicate higher risk to the lender, and lenders require higher interest rates in such scenarios to compensate for increased risk.
A partial amortization or balloon loan is one where the amount of monthly payments due are calculated (amortized) over a certain term, but the outstanding principal balance is due at some point short of that term. This payment is sometimes referred to as a "balloon payment". A balloon loan can be either a Fixed or Adjustable in terms of the Interest Rate. Many Second Trust mortgages use this feature. The most common way of describing a ''balloon loan'' uses the terminology X due in Y, where X is the number of years over which the loan is amortized, and Y is the year in which the principal balance is due. A contract could be written up so there would be more than one "balloon payment" required to be paid during the life of the loan.
Other loan types
Assumed mortgage
Blanket loan
Bridge loan
Budget loan
Commercial Loan
Deed of trust
Equity loan
Hard money loan
Jumbo mortgages
Package loan
Participation mortgage
Reverse mortgage
Repayment mortgage
Seasoned mortgage
Term loan or Interest-only loan
Wraparound mortgage
Negative amortization loan
Non-Conforming Mortgage
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