Important news before you travel:
If you are in the United States you should be aware of certain Travel Advisories which are given to citizens who choose to travel abroad. These advisories can affect you and may even change your travel plans. So before you go to the airport you should always check to see if your destination country is on the List of the United States Government Travel Advisories.
For more information: Check out the link below which will send you to the US Governments official website.
BUENOS AIRES - ARGENTINA
Buenos Aires is called the “Paris of South America,” because of it's architecture and rich European heritage. But the city and its people, known as porteños, are a study in ...read more
MOUNT RAINIER VOLCANO
An active volcano, Mount Rainier is the most glaciated peak in the contiguous U.S.A., spawning six major rivers. Subalpine wildflower meadows ring the icy volcano while ancient forest cloaks Mount Rainier’s lower slopes...read more
A VISIT TO AUSTRIA
Origins of modern-day Austria date back to the time of the Habsburg dynasty, when the vast majority of the country was a part of the Holy Roman Empire. Austria is full of rich history and culture spanning centuries....read more
NEW YORK'S JFK AIRPORT
JFK international airport is located 15 miles by highway from midtown Manhattan. JFK’s terminals, parking lots and hotels operate 24 hours a day, 365 days a year and cover more than 880 acres.
If you choose to enter the terminal with the passenger, please be aware that only ticketed passengers will be allowed past the security checkpoint. However, you may enjoy any of the areas before security. As an alternative, you may drop off your passengers at the Kiss and Fly located at the Lefferts Boulevard AirTrain Station where they can ride AirTrain free of charge to their terminal in just 10 minutes.
Electric Vehicle Charging
Air travelers who own electric vehicles can charge them at Kennedy International....read more
© 2018 - Streamfare.com
WHAT YOU NEED TO KNOW ABOUT
PERSONAL BANK LOANS
There are two types of personal bank loans: unsecured and secured. Secured bank loans use collateral in order to help you receive lower fees, better repayment terms and a more beneficial interest rate. An unsecured loan is issued without collateral and at a much higher interest rate. Unsecured loans are monetary loans that are not secured against the borrower's assets. The caliber of your financial situation will most likely determine which loan you will receive.
In most cases, you need good credit to get a bank loan. Although most financial institutions have ties to finance companies specializing in bad credit loan options, your banker needs to see a credit score of at least 650 on the scale of 300 to 850. You may even need a score as high as 720 to qualify for favorable rates and less paperwork.
To have a more positive lending experience with your bank, pull a copy of your credit report on a regular basis. If it shows incorrect information, fix it. When you know you have blemishes on your credit, prepare a document explaining any extenuating circumstances. For example, a low credit score due to unpaid medical bills isn’t always viewed the same as a low credit score for poor money management. Providing this information upfront saves time because the underwriter won’t have to ask for clarification about the situation.
Banks have some of the strictest guidelines to follow concerning collateral. Just because a used car qualifies for financing at the dealership doesn’t mean your bank can refinance the loan for you. Bank loans require vehicles to be no older than a certain age, usually five years, and have sufficient value to cover the loan plus their administrative costs. This means that a loan of $8,000 can require a vehicle value of $10,000 to allow the lender breathing room.
Before you visit your bank for a secured loan, investigate the value of your collateral. Remember to use the wholesale value rather than retail cost because banks sell cars and homes at auction in the event of repossession or foreclosure. If you feel your collateral justifies a higher loan amount than the wholesale value indicates, prepare to back up your claims with upgrade details or market comparisons.
-Assess your current financial situation by listing your assets, detailing your monthly income and deducting any liabilities, debts or expenses.
-Offering collateral could help you get a lower interest rate on your personal bank loan and in turn save you a great deal of money.
-Check over the loan documents once they're prepared. The terms you and the lender agreed to should be represented honestly and in good faith in the loan documents. You can sign off on the loan if all items appear as discussed with the lender.
when applying for personal bank loans, do your research, know your options and take the time to go through all the terms and conditions you and your lender have discussed before signing any official documents. more on bank loans