Nope. Excepting a mortgage and yes, I always repaid as per the mortgage agreement.
I used to take loans out at the drop of a hat, and repay them regularly. That was a few years back. Since then i have been spending only what i earn, and haven't spent on credit since two years ago. I haven't got any loans either, so i am in a good state at the moment.
Institutions offer loans in order for them to make a profit. They take calculated risks thinking that the amount of interest they collect will sufficiently outweigh the risk.
For people that are very disciplined a great way of making or saving money is to take advantage of the low interest loans or loans with teaser rates (ie. very low rates for 6-12 months). For example, i can borrow 5K at 1% for 6 months and put it into a 6 month GIC at 3%. I make 2% after 6 months. However, if I can't pay back the money after 6 months the interest rate might jump to 10% and i will immediately start to lose money.
If you are very disciplined about paying loans back (and on time) take the loans. If you have a tendency to miss payments or be late with payments you should never take a loan.
by Gary Anderson 13 years ago
I must warn people from Australia with one Seeking Alpha article I just put out. Hope this will stand for your benefits, since I don't make any money on Seeking Alpha articles. I know some of you are from Australia.If you have a house and need the money from it, you should sell and rent now. What...
by Jane@CM 14 years ago
How long does it take you to adjust to major changes in your life. For example, unemployment, a child moving out, a child getting married, relocation, starting a new job, etc.I'm learning it takes me about 4 weeks to adjust.And you?
by Jadeofheart 9 years ago
Hello. Is there anyone here from an Asian country who got their google adsense approved? I've heard that if you reside in an asian country, you have to wait for 6 months. To be specific? What is it about that 6 months? Is it, your account being 6 months old? Or all of your hubs need to be 6 months...
by Gary Anderson 13 years ago
Hi Marissa, a warning to Aussies: the housing bubble party is coming to an end: http://globaleconomicanalysis.blogspot. … s-now.htmlMish is usually pretty accurate about banker abuse and economic realities. I don't agree with him about some things, but much of what he says is true.
by zenkat 13 years ago
I'm in a relationship great single 49 yo Dad for 6 months. We are exclusive and I have met his...4...yo daughter several times but I'm not really included much in their lives. I have a great 22 yo son so I understand the single parent. my dilema; I haven't been to his house when she' there and it...
by hayateboujid 11 years ago
my 6 months old baby still not sleep through the night can you giv me ideas how i can ghelp him...to sleep through the night thank you
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