The pros and cons of different types of loans

What You Should Know About Selling Dental Gold

Posted by on Sep 9, 2015 in Uncategorized | Comments Off on What You Should Know About Selling Dental Gold

If you have dental gold lying around and are in need of some quick cash, you might want to sell it. You may have a few gold fillings that fell out, and you held onto that gold just in case. Now is the perfect time to sell it to local gold buyers. Here is more information about selling your dental gold. Types of Dental Gold The first thing to know is that there are many types of dental gold. Just because you don’t have a gold tooth to sell doesn’t mean you don’t have dental gold to sell and earn some money. Any type of tooth restoration that fell out or you switched with another material can be sold. If you have a gold filling and later decide to go with a tooth-colored filling, ask the dentist if you can keep the gold filling. This can be added to your other gold items to be sold. Other types of dental gold include crowns, inlays and onlays, sweeps, and bridges. Porcelain restorations that were fused with gold might also be worth some money. Finding Out the Value When you put all your dental gold together, you need to figure out what the approximate value is. It helps to know about what it is worth before you find a local gold buyer. This gives you a rough estimate to use when you negotiate a price with the gold buyer. It lets you know if the buyer is trying to lowball you as well, which will be a good reason to find a different buyer. If you want to know how much the gold is worth, you need to know three basic things: the type of gold, the weight of the gold, and the current gold value. The market value of gold is based on an ounce, which is why you need to know the weight of the gold you are selling. The type of gold includes whether it is pure gold and if it is 14k or 18k gold. If the gold restoration was combined with silver or palladium, it is going to cost less. Selling the Gold Gold buyers will buy all types of gold, including dental gold. Many of them aren’t picky about the form of gold since much of it is melted down to be made into jewelry items or sold as bullion. In addition to your dental gold, you can also sell other gold items you have, such as jewelry or gold coins. The value is the same with most gold items, going based on the type of gold, its weight, and the gold prices. Keep in mind that while you don’t want a buyer to rip you off, you will still be paying less than what it’s worth. The buyer also needs to make a profit. However, don’t be afraid to negotiate. For more information, contact Wimpey’s Pawn Shop or a similar...

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Bailing Someone Out: 2 Collateral Options You Can Use

Posted by on Jul 1, 2015 in Uncategorized | Comments Off on Bailing Someone Out: 2 Collateral Options You Can Use

If you find yourself needing to bail someone out of jail, you must determine which collateral works best for your situation. Depending on the state you live in, you may have more options available to use. By taking some time to research and know your options, you will have a better chance at choosing the right collateral method. Here is a basic overview of two possibilities. Personal Property One collateral option you have is to use a vehicle such as a car, RV or boat as collateral. Another option is to use personal property. Most states accept land as collateral, and it does not have to have a structure on it. With this option, you use the value of the land as the bail money. You are securing the bail amount with the value of the property. However, it is important to note that in some states you cannot use property that is not already paid for in full. This means that if you still make monthly payments to a bank, then the courts may not allow you to use this as a means of paying for someone’s bail amount. Surety Bond Another collateral option is a surety bond. Now, on the surface this can seem a little confusing. However, once you know the basic principles of a surety bond, it will be easier to understand. With a surety bond, there are three different parties involved. One party is the person you are bailing out and the second one is the judicial system. The third party involved is the bondsman that pays the bail and insures the courts that individual will show up to the appointed court date. The money the bondsman uses is your collateral. It is their money on the line and you agree to pay them back if the individual fails to appear at court. Depending on the state you live in, the fee that the bondsman charges can range from a small percentage to a larger fee. You also need to be aware that this fee is non-refundable, even if the person shows up to all of their court dates. One benefit of using this method is that the bondsman can make the bail process easier to understand. They will explain their payment amounts and walk you through the entire bail-out process from filing the paperwork to getting the person out of jail. These are some of the more common collateral methods for bailing someone out of jail. Before you make a decision, it is best to know your options and choose the right one for your personal situation. Contact a professional business, like All Night & Day Bailbonds, for more...

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Structured Settlements: Things To Consider When Contemplating The Sale Of Your Payments

Posted by on May 14, 2015 in Uncategorized | Comments Off on Structured Settlements: Things To Consider When Contemplating The Sale Of Your Payments

Many investment firms now offer you the ability to turn your structured settlement payments into a lump sum payment by selling your rights to collect future payments. If you are trying to decide whether or not a settlement buyout is right for you, taking the time to consider the factors outlined below can help you to make this important decision: Inflation Many people worry about selling their structured settlement payments due to the fact that these payments are not bought at face value, but rather purchased for a percentage of their total value. However, the fact is, you may not be losing quite as much money as you think you are buy choosing to let an investment firm buyout your future payments. This is because when calculating just how much money you will really get in the way of future payments, you must consider the impact that inflation will have on these payments. Unfortunately, structured settlements do not take into account the impact that inflation can have on a dollar. Consequently, while the cost of living may rise dramatically over the course of the next 10 years or more, the size of your monthly payments will remain the same. So while you may be able to pay your entire rent with your monthly payment right now, you may find that this same payment only covers half the rent in the future. By choosing to sell your payments for a lump sum, you will have the ability to make the most of your money at its current value rather than waiting for inflation to deflate its value. Partial Payments People often believe that its all or nothing when it comes to selling structured settlements. However, this is not the case. While you can choose to sell off all of your future payments, you can also choose to sell only a portion of these payments. By choosing to sell a portion of your future payments, you will be able to take advantage of all the benefits that come along with receiving a lump sum of cash. For instance, you can use this money to purchase a home, buy a car, or make an interest bearing investment. However, you will also be able to enjoy the benefits of knowing that you have some income coming in each month even if you were to lose your job or other income sources. For many people, this option proves to offer the best of both worlds. For help understanding structured settlement buyouts, contact a...

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Are You a Good Candidate for a Payday Loan?

Posted by on Apr 30, 2015 in Uncategorized | 0 comments

Are you thinking about taking out a payday loan, but want to make sure it’s the right option for you? If so, then you might be wondering what generally makes a person a viable candidate for a payday loan. And while there’s no universal, guaranteed criteria for taking out a payday loan, the following are a few signs that taking out such a loan may be a good option for you. You Have a Financial Emergency Is your rent due this week, but you don’t get paid until next week? Has your car broken down and you need to get it fixed as soon as possible so you can get to work or take your kids to school? If so, then you have a legitimate financial emergency, and a payday loan may be a good way to get the money you need to cover your expenses until your next check. If you just want some extra cash for clothes or general spending money, you don’t have a financial emergency and a payday loan is probably not necessary nor a responsible option. You Have a Stable, Predictable Income Furthermore, you should only consider the option of taking out a payday loan if you know what your next paycheck amount will be, when you’ll receive it, and you’re sure that it’ll be enough to repay your loan (along with any interest or fees associated with it). If your income isn’t very predictable or you don’t have a guaranteed pay schedule (such as is the case with many freelancers and contractors), then you’ll want to think long and hard before you decide to take out a payday loan. You Don’t Have the Time (or Credit) for a Bank Loan Finally, if you’re in a situation where you need cash fast and don’t have time to go through the process of getting approved for a traditional bank loan, a payday loan might be right for you. The same goes for if you have less than ideal credit history. Most payday lenders can have you approved on-the-spot without the need for a credit check, and many can get you the money you’ve been approved for within just a couple of business days. These are just a few signs that you may be a viable candidate for an online payday loan. However, to make a well-informed decision, you’ll need to carefully assess your specific financial...

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