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Loan Options Dwindling For Residents In Wisconsin

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Loan Options Dwindling For Residents In Wisconsin

If you live in Wisconsin, your personal loan options might seem rather limited. If you are feeling trapped by non-competitive rates, read on further, or if you have been having trouble locating a personal loan, this article was written with you in mind. Today you can find the best personal loan rates online, but how do you find the right lender? A lender you can trust, who runs a secure website and has thousands of satisfied customers and a solid reputation? If you are looking for such a lender, and a lender who does business in Wisconsin, we have complied a list of the top online lenders doing business in Wisconsin.

Of course applying for a loan online differs from filing out a loan at a bank. For starters it is generally easier! Also approval times tend to be much quicker, provided that you have provided all the information the lender requests. Generally you can expect an approval in 24 to 48 hours after you have applied. You should have on hand information such as your income, length of employment, residence, and of course standard information such as your social security number. You should also be ready to fax over verification of income, many lenders will require this, so being prepared can speed up the process. Below is a list of the top online lenders who provide personal loans to residents of Wisconsin.

Pioneer Military Loans
If you have ever served in the military, or are a career retired military professional, or are a current servicemen or women, Pioneer services might very well be the lender for you. This lender specializes in making loans to military personal. They understand military life and deployments, as well as the unique challenges posed to current military personal. You can apply for a personal loan from $1000 to $10,000 regardless of rank or credit rating. Yes Pioneer services often works with those with less than perfect credit, they also provide help to servicemen for rebuilding their credit. If your credit is less than perfect do not fear reaching out to this lender. They can even help you get a VA backed refinance or mortgage. Customer service is stellar here, and their entire customer service team is U.S based, so there is no misunderstanding a foreign CSR’s English.
https://www.pioneermilitaryloans.com/

Installment Loans Network
This online lender serves all of Wisconsin, both online or in person at one of their many physical locations throughout the state. The application only takes mere minutes to fill out, and you can even get prequalified without effecting your credit score! This allows you to see your possible rate, and find out if you will be approved for a loan, without a hard inquiry or dent to your credit score. You can borrow anywhere from $1500 to $25,000. If you have any questions or concerns this online lender has outstanding customer support with phone service, no endless email tag back and forth. This company also has been in business for over 90 years, and has built up a rock solid reputation over the years.
https://www.installmentloansnetwork.com

wisconsin

One Main Financial
This lender has a rock solid reputation, and several branches throughout Wisconsin. You can apply either in person or online, and if you do opt to apply online you will get an instant response. Once your online application has been filled out, it will be forwarded to the branch that is closest to you. Once this happens a loan specialist will contact you shortly. They offer loan amounts as low as $300 for those unforeseen emergencies, and larger loans of up to $10,000. Repayment is simple with this lender, since you can set up a payment date that best suits your unique financial situation. Your interest rate will vary according to your credit score, but they offer fixed rates, so your interest rate will remain the same throughout the lifetime of your loan. If you are the type that prefers to pay off your loan as quickly as possible, never worry about prepayment penalties with this lender, as they have none. To learn more, visit https://www.onemainfinancial.com

War Machine goes to court, faces life in jail

By Brett Okamoto War Machine, formerly known as Jonathan Koppenhaver, appeared in a Las Vegas courtroom on Wednesday, where he was advised of 32 total felony charges against him. …read more

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Russia, Ukraine working on cease-fire plan

FILE - In this Wednesday, Aug. 27, 2014 file photo, Russian President Vladimir Putin speaks to the media after his talks with Ukrainian President Petro Poroshenko in Minsk, Belarus. Putin is flying to Mongolia on Wednesday Sept. 3, for a working visit amid soaring tensions with Washington and NATO over a Kremlin-backed offensive in Ukraine. (AP Photo/Alexander Zemlianichenko, Pool, File)

KIEV, Ukraine (AP) — Russia and Ukraine said Wednesday they are working on a deal to halt months of fighting in eastern Ukraine, an announcement that threatened to upstage a crucial NATO summit on the crisis that has chilled East-West relations.

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LVMH and Hermes call truce in ‘handbag war’

PARIS (Reuters) – A long and bitter battle that has gripped the luxury goods industry and pitted two of France’s richest families against each other came to an unexpected end on Wednesday when LVMH…

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Tips For College Students Heading Off To Campus This Fall With Managing Personal Finances

Managing finances can be difficult when you are just leaving home and heading off to college for the first time. Setting budgets, managing your finances, getting and keeping some credit cards in good standing, student loans can be quite the challenge. Creating a smart fiscal plan now will set you off on the right path in life. With the freedom of living on your own and heading to college comes responsibility.

collegestudents

Good financial responsibility starts with creating a budget, one you can live with. You do not have to earn a lot of money to have the need to budget. Poor budgeting is one of the leading causes of debt among college students outside of their student loans. Your income sources are likely to be from a job, student loans and possibly from your parents. Start out by writing out your expenses which may include:

Rent
Cell Phone
Gas / transportation
Going out & Entertainment ( It’s college right?)
Food & Dining
Spring break savings if you plan to do spring break
Clothing
Incidentals & hygiene items

Now add this all up and compare it to your income. If you fall short when comparing expenses to income, decide what is the most important to you, and what you can go without or cut down on expenses. Know where you stand every week with your budget, and keep an eye on your debit and credit balances to avoid trouble later down the line. With any budget make sure to set some aside in savings, even if only $50.00 a month. Be conservative with your ATM use, and keep track of your balance and your budget once your budget is in place. If you need help with setting up fiscally sound a budget, there are apps out there that can help you for your smartphone. Mint.com offers an app that you can see all your accounts in one place, as well as See all your balances and transactions together in one place, either on the web or your smart phone. Worried about losing track of bills? Mint has a bill reminder feature that will send automatic alerts to you. Another app that is popular is www.youneedabudget.com, which will help you plan, run and maintain a budget. They even offer free live classes in the form of a 9 day course, although the app itself has a cost of $60.00 its well worth it, and they even have a 34 day full featured demo of the app. This app has changed thousands of lives and helped thousands stay out of debt. One other thing with budgets, you can often times save money by doing such things as buying used text books for school for example and stretch your budget out. One last word on budgets, you don’t need to spend it all, you can always set some aside that is left over for use in the coming months ahead.

It may be time to consider your credit and your credit future, and when it comes to credit, your credit score is your grade. If you are just starting out with credit there are a few cards for people with little to no credit, and there is also secured credit cards. Part two of this series will focus on credit card offers for college students with little to no credit history. The important thing to understand with credit cards is that it is not free money, the interest can be steep, but you will only get charged interest if you fail to pay the balance off before the due date of your statement. Credit cards when used responsibility can be a great short term loan, especially if you avoid the interest by paying the bill off in full when the statement is due.

Later in life you will need credit, weather it’s for an auto loan, a mortgage, or a personal loan. The better your credit score or rating is, the lower interest you will pay, as the bank or lender will see you as less of a risk, and view you as a responsible person. When it comes to credit having no credit history is actually worse than having bad credit so now is the time to slowly start building your credit rating up for your future. Your credit rating starts with your first loan or credit card, and to build your credit rating up you need to make your payments on time, every time, and in full every month. Failure to maintain good credit can cost you for years.

Other financial advice for college students is to look into joining a credit union for savings and checking accounts, as credit unions tend to pay higher interest than standard banks do. Online banks are also a good avenue. To save money on entertainment, make ample use of campus entertainment events, college is full of free events that you never have to spend a dime on. Lastly learn to invest now, even if only $100.00 here and there. If you can learn to invest $1200.00 a year for the next ten years you will be setting yourself up for success in life.