Tag: Some

Some info on personal loans?

Question by Travis: Some info on personal loans?
This is a bit long, sorry.

So here’s the situation, I asked a question previously here about banks vs finance companies and people were dicks about it not answering the question, countering it with other questions, which I didn’t mind. so.. I’m a young adult, (19) trying to get a motorcycle, I currently have a motorcycle financed. but it’s small and I’m looking for something that can handle the highway better. so that’s what the personal loan is for, as someone on my last question asked, said it mattered. And yes, I can afford the insurance, as that’s the point of a personal loan instead of financing the bike.

so the thing is.. I applied by myself for a personal loan without a cosigner for 2708$ at my bank, they based that amount off of my income. my annual income is 15,000$ , my credit score is around 680. and nothing has been paid late. however. I was denied with the reason “not enough credit history” the bank suggested a cosigner, so I got a cosigner. and applied for 3500, once again. based off of our split income. (suggested by the bank) and I was again denied. they told me in 6 months to a year and a half I’d be able to get it on my own. whatever, that sucks. so I crunched numbers and have figured up. in a month from now I can come up with the majority of the money. however I’ll still be 1000-1500$ short.

So my question is, would I be more likely to get a personal loan for simply 1,000$ after have been being denied for a greater amount twice? I have to use my bank because the 3 finance companies near where I live were saying 23% interest minimum, with a car title AND atleast 50% of the loan worth in household appliances as..”insurance(?)”

People were saying how they sided with the bank, and how immature I am, and blah blah blah. I’ve looked at this from a lot of different angles and I understand it’s not life and death. but bikes are my hobby and it’s been a dream of mine since I was a child. Thanks!

Best answer:

Answer by bluebell
I’m surprised nobody mentioned credit unions to you. You join as a member, save some amount regularly for several weeks (in my credit union it is 10 weeks) and then you may apply for a loan. If you are looking for a smaller sum (like the $ 1000 you mentioned that you will need in a month’s time) they may let you apply for a loan quicker. Also, they won’t bleed you dry with their interest rates. Having a loan there and repaying it faithfully will also improve your credit score.

If you can just be $ 1000 short of the full price in a month, my other suggestion is to delay your purchase for 2 months, and by then you might have the full amount in cash. No interest to pay, but it won’t help your credit score either.

Know better? Leave your own answer in the comments!

I recommend these motorcycle insurance products

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Some Benefits To Owning Your Own Motorcycles

The thought of owning their own motorcycle in sufficient reason to buy one for many enthusiasts. But the simple desire to have your own motorcycle is far from the only reason to get one. The many reasons for wanting to own one could help convince so many other people, who love the idea of wanting a motorcycle that it will be much more than just going out and getting what you really want to.Yamaha Motorcycle Parts are much less expensive than cars parts. This is true whether you get a brand new top of the line bike or a cost effective used one. In so many cases, depending on the age and the quality, you shall discover that the price of a motorbike will cost about half the price that you will pay for almost any type of car. This one benefit to owning a motorcycle over a car can save you thousands of dollars. Maybe this is enough by itself to convince you to take the plunge.

In recent years, gasoline prices have skyrocketed.

No one knows what will happen next, but it’s a pretty good bet that we’ll never buy gas under $ 25 a gallon again. By parking or selling your car and commuting via motorcycle, you’ll save a lot of money every month on gas. Each fillup will be much more affordable, because the gas tank is smaller, and you’ll still be able to drive about the same number of miles. Of course mileage varies depending on the type and size of the bike and where you ride – out on the highway or in a city with a lot of stops. On average, though, Ducati Motorcycle Parts will get somewhere between 30 and 60 miles per gallon.Because of its smaller engine, motorcycles produce significantly lower carbon emissions and use less oil than other larger vehicles like cars and trucks. With a motor bike you shall be able to ride it with plenty of fresh air blowing into your face at the same time that you are contributing to a much more cleaner air in the environment while enjoying a drive on your motorcycle.

One other nice benefit is that the insurance coverage will be considerably lower than for any automobile insurance. And if you have a good clean driving record the insurance can average about a few hundred dollars per year, while car insurance can certainly cost you close to a thousand or even more for driving a car.It may be a bit costly to have any work done on a Yamaha Motorcycle Parts, but with a little knowledge and skill almost anyone will be able to handle the maintenance. You can take a motorcycle repair class at the local community college. If you do repairs yourself, it can save you a lot of money. Even if you choose to have a professional do repairs for you, you’ll know how difficult a repair is and be in a better position to pay less.Riding along the roads can sure be a beautiful way of viewing the scenery as there will never be anything blocking your view. It’s also fun and romantic to ride your motorcycle with that special someone, their arms wrapped around you, enjoying the open road.You can meet and make plenty of new friends by being part of a motorcycle club as sharing your experiences with them can be one really wonderful way to learn other things in regard to the ownership of a motorcycle.

Our business was start from Ebay.we sells Honda Motorcycle Parts on Ebay since 2008,we have served thousands of motorcycle rider worldwide and get thousands of good review.During these years we have acquired a lot of Yamaha Motorcycle Parts selling experience and cooperate with many parts factory to ensure our service and products can outstanding.

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Some Details About Motorbike Leathers

Nowadays there are different kinds of motorbike leathers on sale all over the internet. So, many bikers meet the same question: “How to choose the right leathers?” Choosing the suitable leathers you should take into consideration a number of factors. Now let’s speak about some details of leathers, that should be paid attention to.

Some motorbike leathers have a special winter lining which can be removed when necessary. If the motorcycle jacket has such function, make sure that the lining reliably fastens in all places. Otherwise it will impede you almost always and will jump out each time you will remove put your leathers off.

You can also use a big heater for a neck. Try to get such heater, but with presence of wind-protection. In combination with good visors helmet and a motorbike jacket it will be very effective to protect you against all possible changes of weather.

The considerable quantity of pockets in your motorbike leathersis very good too, of course if you don’t forget, what you’ve put in each of them.

But it’s really necessary to have at least one internal pocket for keeping important things such as money and documents. External pockets are absolutely useless, if they cannot be closed. Wonder, how you can use them during a long trip? Therefore make sure, that all pockets can be reliably closed. If these pockets have the small zip fastener it will help to protect their contents from water.

The majority of bikers, who have lost something on the road, have done that because of opened pockets of their motorbike leathers. And such things occur very often, because you begin to lose your attention and forget about your pockets having put on your visors helmet.

Motorcycle gloves can also easily jump out from your pockets, so be very attentive!

Vasilij Pupkin is a biker, who has been riding a motorbike since 1999. Is fond of Harley-Davidson motorcycles and owns one. All his free time spends in his garage or on the road riding his bike. Now he has started a Motorbike Leathers blog in order to help people to choose and buy their personal motorbike leathers and create their individual style of motorcycle clothing.

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Travel Insurance: Some Policies

Travel insurance is a type of insurance that covers you financial for any losses or illness that may unfortunate occur while you are on your trip. Travel insurance can be bought for international or national (within your country) trips. Why should I buy travel insurance?
Since travel insurance protects you while traveling, this will help and provide the necessary protection you will need in the occurrence of an unfortunate event.
Travel Insurance is a simple way to provide yourself with peace of mind by buying travel insurance which covers you in the event of your luggage lost, trip cancellation, medical conditions, any accidental conditions or any damage or lost of your insurance documents or money.
We can even buy a single premium policy or annual travel insurance which allows you to take many holidays which are all covered by one insurance policy. There are always different levels of cover and it is important to check with your travel insurer to find out what length of holiday your insurance policy will cover.
Not buying insurance because of high cost is not the solution. Cheap travel insurance isnt always the best type to get if you want to be covered for any eventuality. There are so many travel insurance companies in UK. You can even search out online the best insurance company and policy.
Travel Insurance companies provide you with many different cover policies and limitations.
A good insurance policy will cover you for canceling or cutting a trip short. Check carefully to see exactly what youre covered for:
3.jury service or witness summons
4.home emergency: fire, storm or flood, burglary
7.Bad weather affects the departure of flights and ships.

You can search online also for the best travel insurance company for your best suite. There are so many travel insurance companies you can find very easily

Author is expert in Internet marketing. She has been writing articles for last three years. Recently she is writing on Travel Insurance UK

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