02.08.08
Posted in Offers - Credit Repair, Offers - Credit Cards at 8:43 pm by Ken S.
This just in -
New Millennium Bank is now offering secured Visa® and MasterCard® credit cards for individuals wishing to establish or repair their credit. With credit lines secured by a savings account in amounts between $300.00 and $5,000.00, these cards can be used just as you would any credit card at over 10 million establishments worldwide.
A Platinum card can be yours for the taking. New Millennium Bank can approve you for up to $10,000** in secured credit regardless of your income or credit history. Choose a Visa or MasterCard.
- Reports to ALL 3 Bureaus
- No Credit Check
- Be Approved Regardless of Credit History
- Special High Introductory Savings Rate
- Bonus $3,000 credit line with My Computer Club
* Terms and conditions apply.
- Ken S.
LowRateSearch.com
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Posted in Deals - Cheap Vacations, Deals - Cruise Travel, Deals - Cheap Travel at 11:59 am by Ken S.
Hello world!
I got a really affordable cruise package deal offering from CruiseDirect.com
in my email this morning. They are offering a 7-night, exotic Caribbean cruise starting at just $519! (Book by Valentine’s Day to lock in this price.)
If you’ve been following the blog, you will know that I’ve been researching affordable cruise packages for quite some time. Well I’m not about to stop now. Here are the top 10 international cruise deals I found for this upcoming week, in price order:
• 5-nights on Carnival Baja to Mexico from $269. Round trip from San Diego. Calls on Cabo San Lucas and Mazatlan.
• 6-nights on Holland America to the Western Caribbean from $356. Round trip from Fort Lauderdale. Calls on Half Moon Cay, Grand Turk, and Grand Cayman.
• 7-nights on Princess to Alaska from $483. Repositioning from Whittier to Vancouver. Calls on Skagway, Juneau and Ketchikan.
• 7-nights on Carnival to Exotic Eastern Caribbean from $519. Round trip from Miami. Calls on San Juan, St Thomas, and Grand Turk.
• 7-nights on Celebrity to the Pacific Northwest from $549. Round trip from San Francisco. Calls on Astoria, Seattle, Vancouver, and Victoria.
• 7-nights on Royal Caribbean - a Special Caribbean Cruise from $589. Repositioning from Tampa to San Juan. Calls on Cozumel, Grand Cayman, and Aruba.
• 7-nights on Costa to Bermuda from $667.Round trip from Fort Lauderdale. Calls on King’s Wharf.
• 19-nights on Norwegian to the Panama Canal from $1099. Repositioning from Miami to Seattle. Calls on Curacao, Cartagena, Acapulco, Puerto Vallarta, Cabo San Lucas, Los Angeles, and San Francisco.
• 15-night Transatlantic Cruise on Norwegian from $1099. Repositioning from New York to Barcelona. Calls on Ponta Delgada, Lisbon, Cadiz, Malaga, Ajaccio, Rome, Florence, and Nice.
• 13-nights on Royal Caribbean to Italy and Croatia from $1299. Round trip from Rome. Calls on Portofino, Florence, Sicily, Split, Venice, Dubrovnik and Naples.
I don’t know about you, but I think these affordable cruise package deal are great. And remember, CruiseDirect.com has a “best price guarantee”, so they have to give you the lowest rates out there.
Post a comment below and let us know how you’ve enjoyed a cruise vacation in the past…
- Ken S.
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01.30.08
Posted in Advice - Refinance at 10:10 pm by Ken S.
Lower Fed Rate Helps Mortgage Refinancing - For the second time this week, the Federal Reserve reduced the federal funds rate by one-half point. This lower Fed rate helps mortgage refinancing. How? Here it is in a nutshell.
Think of money as an entity. It moves in, out, and around the economy constantly through purchases, returns, loans, investments, payments, re-payments, etc. At any given moment, hundreds of millions of people around the world are moving money around. To keep up with this movement, banks lend and borrow money, to and from each other, on a short term basis (usually overnight). The Federal funds rate is the interest rate the banks charge each other when they lend money to each other. Today, that interest rate is 3%.
So, the lower Fed rate helps mortgage refinancing like this: After the interest rate banks will charge each other is established, the banks establish the lowest rate they are going to charge to qualifying consumers and businesses. This rate is called the prime lending rate, the benchmark rate for consumer and business loans. When the Fed funds rate was lowered to 3%, banks announced they were lowering the prime lending rate from 6.5% to 6%. This has been the lowest prime interest rate since the spring of 2005.
If you remember, 2005 was back when everybody was buying a house or refinancing. Why was that? Because back then, people were getting really low mortgage and refinance rates, and their payments were affordable. Well that time is back and it’s happening now. Save yourself some money and take advantage of the lower rates while you can, the lower Fed rate definately helps mortgage refinancing.
- Ken S.
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01.29.08
Posted in Advice - Refinance at 11:40 pm by Ken S.
If you have a mortgage and good credit, research says now is a great time to refinance your loan. Thanks to the lowest mortgage rates in nearly two years, it is a good time to refinance your home loan rate to lower your payment. Adjustable and interest-only loan rates are resetting, and many applicants can take advantage of fixed rates in the 5.5 % to 6% range - often with no out-of-pocket closing costs. Jay Brinkmann of the Mortgage Bankers Association says that “no-cost” refinancings (where the lender rolls your transaction costs into your interest rate) “are absolutely an option” for many people.
Anyone whose current mortgage loan rates are 6.25 % or more could benefit from such an affordable refinance arrangement. Though specifics vary from lender to lender, many mortgage firms will offer affordable zero-out-of-pocket loan deals in exchange for an extra quarter-point on the interest rate. In other words, a borrower who has a mortgage loan with a 6.5% fixed-rate loan would refinance into a new, lower, more affordable 6% interest rate loan without paying any fees at closing. The lender would just include 0.25 percentage points onto the prevailing 5.75% rate.
Some lenders report that more than 60% of the home loan applications this month were refinance loan applications. My advice? Take advantage of the lower interest rates, get a low affordable payment, and save yourself some money. I did.
- Ken S.
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