She was nice as could be. As I handed over my paycheck and a deposit slip, the bank teller smiled and asked, “Are you a homeowner?”

The correct answer would be that I’m getting there. I shortened it to “I am.”

Next came the question of whether I have a home equity line of credit. Nope, no ready access to the chunk of my home’s value that I actually do own.

All smiles, she said the bank was offering a good deal to homeowners like me. I don’t need that equity money now, I said. Her pitch persisted with a suggestion that I should “open one now, before you need it.”

These days, enticements to borrow are as close as a credit card offer in your mailbox. Is anyone putting the brakes on folks who would borrow too freely? From what I see, it’s up to us to put the brakes on ourselves.

In Congress on Tuesday, the House Committee on Financial Services heard cautionary words from Sheila Bair, chairwoman of the Federal Deposit Insurance Corp. Bair told lawmakers that curbs are needed on so-called subprime mortgages, in which people with questionable credit are wooed by affordable rates. Typically, payments later rise beyond borrowers’ ability to pay.

Sure, I know that a home equity line of credit offered by my bank - which happens to be Bank of America, the country’s largest consumer bank - is a far cry from a risky subprime loan.

Still, it makes me nervous to think I could potentially take thousands of dollars in equity from my house, spend it on a cool new kitchen or a trip around the world, and be left with years of payments.

It should make me nervous. At 53, I’m just a decade from at least considering retirement. How much debt do I want the day I stop working?

“It’s certainly true that customers need to be responsible for their own finances and credit,” said Peggy Lawlor, senior vice president of home equity loans for Bank of America. “A home equity line of credit is not for everyone.”

Speaking from Rhode Island, Lawlor said Thursday the bank looks carefully not just at equity, but at income. Not every homeowner qualifies. “We’ll approve about 70 percent of the home equity applications we’re taking this year,” she said.

Among Bank of America customers, she said, most take out a home equity line of credit for home improvements. “The number two use is debt consolidation,” Lawlor said.

Paying off credit cards with lower-interest loans can be prudent, but only if borrowers mend their freewheeling ways. That’s the counsel from Alec Williamson, a certified financial planner with StanCorp Investment Advisers in Lynnwood.

“If you can lower your interest significantly, and have the discipline, it works,” Williamson said. “What is your pattern? The scary thing that happens with alarming frequency is, you get out of high interest credit card debt. A year later, you’ve got the home equity line and new credit card balances.”

Williamson cautions against using your home for what he calls short-term assets, like cars. “It’s a snowball, it just keeps rolling,” he said.

Thinking of fiscal snowballs I’d like to avoid, I can’t help but remember my dear Uncle Fred, my father’s older brother.

Born in 1913, Frederick Ahrens got a job during the Depression as a messenger for the Spokane and Eastern Branch of Seattle-First National Bank.

The bank became Seafirst in the 1970s, and then Bank of America in the 1990s.

“He was a vice president at the bank,” my father said of his late brother on Thursday. “He did mortgages.”

Payday loans are there to be available when you need them. If you run into trouble, your car needs an immediate repair or a bill comes in that you were not expecting, trying to get hold of money fast can be rather embarrassing and also frustrating. With a payday loan you can avoid the hassle of having to ask friends or family to borrow money or for a loan.

When you apply for a payday loan, once approved you will receive the money on the same day, which is great when you really need the cash fast.

You can actually have the cash within an hour so that you have it right away to pay the bill or debt that needs paying right away.

The downside to payday loans is that the fee charged is really quite high. Everybody knows that the fee is going to be high, this is why the money is so readily available. The fee is normally in the region of $15-$30 per $100 borrowed.

Even though some people are embarrassed or ashamed to apply for a payday loan, these types of loans are becoming more and more popular. They are easier to get than a regular personal loan and also the money is available fast, normally within hours it is in your bank account.

Payday loans do not always have to be used for paying a bill that needs to be urgently paid, or fixing a car that needs to be fixed. The money can be used for anything that you want to use it for. If you, for example, get paid once a month and then a week before you are due to be paid again you are invited away for the weekend with a group of friends, you may not be able to afford it but you still may want to go. Asking your friends to lend you some money may be too embarrassing to do, but a payday loan would be the ideal solution in this situation.

You must be careful not to fall into the trap of using a payday loan each month as it could become increasingly expensive over the year and hard to get out of. But saying that, some payday advance companies offer discounts for people borrowing for the first time and also discounts to customers returning to them. You can be approved for up to $1,000 or sometimes even more.

If you need some extra money to tide you over until payday then this sounds like the perfect solution for you. Payday loans are convenient and fast.

Some people may think twice about getting a personal loan, but there really is no reason to be ashamed, so many people are taking out loans nowadays, we all experience financial difficulties from time to time.

Critics of the payday advance industry would like you to believe that unsophisticated consumers are lining up for cash advances only to be trapped in a debt spiral that pulls them deeper into financial peril.

The truth is that most of our customers use payday advances responsibly, allowing them to overcome unexpected financial circumstances.
These individuals appreciate having access to a product that, with its comparatively low one-time fee, makes more sense than the burdensome costs and other consequences related to bouncing a check, missing a credit card payment or neglecting an outstanding bill.

According to state regulator reports, more than 95 percent of payday advances are ultimately paid and more than 90 percent are paid when due.
And contrary to the misinformation spread by industry critics, a payday advance must be paid back within a specified time period (typically two weeks), and the fee does not compound interest.

Millions of consumers choose to avoid excessive credit card late fees and interest, record high nonsufficient funds fees and other punitive costs for missed payments by utilizing our service.

Consumers are well aware of their options and discerning enough to make financial decisions that best serve their interests.
And contrary to our opponents’s exaggerated rhetoric, it is not our intention to undermine the financial health of our customers by offering consecutive payday advances on which the amount increases so much that they are unable to resolve them.

A recent staff report from the Federal Reserve Bank of New York concluded that payday advances are not a form of predatory lending - as some of our critics contend - and instead can help consumers by increasing credit.
 
In addition, the report asserts that consumers appear to be sophisticated enough to seek lower prices for credit products and finds that some of those who use payday advances do so to avoid missing other payments.

Arizona lawmakers have introduced a handful of bills this session to regulate the payday industry, which the Legislature authorized in 2000. Some of the measures sought to restrict the annual interest rate, or APR, for payday advances.

As required by federal law, we always disclose the APR for our product.
But we believe that annual interest rates are better used to assess the costs of long-term, high-dollar-amount loans such as mortgages, small business loans or car payments. Since most payday advances span only a couple of weeks, the APR comparison seems to be an apples-to-oranges example.

Further, we see strong demand for our product, evidence that our customers see the fee model as appropriate for a very short duration advance, and that the price of the fee is proper.

Many of our customers do not, or cannot, use traditional financial institutions to help cover shortfalls or unexpected financial problems. And they are increasingly turning to payday advance centers for a cash-flow option, which most financial institutions find difficult to offer.

The growing demand for payday advances is not, as some of our critics suggest, an insidious plot to strip poor, unsuspecting individuals of their hard-earned money.

To the contrary, millions of Americans are seeking a safe, simple way to confront financial struggles that are brought on by today’s economic realities.
 
Advance America and other responsible payday lenders hope our elected officials will allow us to continue offering these consumers a dignified and private tool to handle their money.

Find Debt Relief in Credit Card Consolidation

When you are a student in college, it can seem impossible to pay more than the minimum payment amount on your credit cards. However, if you don’t pay more, the interest can accumulate and the amount of credit card debt that you incurred could grow to outrageous proportions.

If you are burdened with credit cards that have large balances, you may want to consider consolidating your credit card debt.

The Benefits of Consolidating Credit Card Debt

Consolidating credit card debt can lower your monthly bills, and save you a great deal of money over time. By consolidating your credit card debt, you may even be able to reduce your debt faster. If you have serious debt problems, you should definitely consider seeking the advice of a debt consolidator.

A professional debt consolidator/lender will be able to discuss your options, and can help you to decide which debt reduction plan will work best for you.

Choosing a Credit Card Debt Consolidation Lenders

Many debt relief companies perform the same tasks that you can do yourself. When choosing a credit card debt consolidator, it is recommended that you find a company that can provide services that you cannot personally take care of.

Some credit card debt consolidators can help you get an additional mortgage to pay off your credit card debt. Others, will provide credit counseling and/or negotiate lower balances and fees with your creditor. If possible, it is best to roll all of your credit card payments into one loan. This will allow you to rid yourself of high interest rates, minimum payments, and late fees.
 

Multi-Media Learning:  is a multi-media package for learning to manage personal finances. Personal Finance includes a comprehensive book, software, and online resources to learn about personal finance management. Personal Finance is a text used at many respected colleges, but is also an interesting and effective self-directed study guide when combined with the software and online resources included with the book.

General Personal Finance Planning: Learn about general personal financial planning principles such as what a financial plan is, what personal financial statements look like and how to use them, and how to use time value concepts such as compound interest to reach savings goals, and how to handle tax planning.

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Before applying for an auto loan, there are several things that you should keep in mind:

Your credit score. Your score/history can determine whether you qualify for a loan and what interest rate you will pay. If you’re not sure about your score/history (and even if you think you are), you should probably check to make sure that there are no mistakes. You can get a free credit report here.

If you have poor credit, there are companies that may lend you money, but be prepared to pay high interest rates.

Compare rates. Get several quotes before you buy your car. Rates vary and there is no sense paying a dollar more than you have to.
Gather required information. Lenders will require you to provide your name and address, social security number, employer information (company you work for and salary). They will also require your financial information such as whether you own or rent a home, how much your payment is, how much money you own on credit cards, etc..

Key financing questions”The single most important thing you can do to ensure you get the best financing deal for your new car is to ask questions.

Lots of questions.”By Paige Kroger - Bankrate.com

How to negotiate the best loan with the car dealer”It doesn’t take a rocket scientist to get a good car loan through a dealer, but it does take some preparation, says Joseph Moran, senior vice president of Detroit-based Comerica Bank’s national dealer services, which loans money to car dealers.”

Buying your first new car”No more automotive hand-me-downs. No more junkers. It’s time to buy your first, brand-spanking-new car.”

Selling your old vehicle”When you decide to sell your old car yourself, there are some simple procedures and rules of thumb that will help get the job done right.

Colin and Jim at Bankwatch and NetBanker recently commented on Forrester’s new online banking projections. Personally, I don’t care how many people bank online — I care what impact online banking has on a bank’s bottom line.

So I thought I’d share with you the results of an analysis I did using Forrester’s consumer research data. (Note: As a Forrester client, I have access to their data, but can’t cite specific numbers here).

What I discovered is that banking customers still:

Prefer human channels. While consumers prefer electronic channels (e.g., Web, IVR, and ATM) for account transactions like checking account balances and transferring funds between accounts, they overwhelmingly prefer human channels for service transactions like problem resolution, fee disputes, and address changes. This is true even among younger consumers who are more likely to use and prefer electronic channels.
Tend to use one channel. Although many different channels get used, across a range of common interactions, more than seven of ten consumers used only one channel. And, in general, the older the consumer, the more likely he or she is to use just one channel per type of transaction.
But compared to other consumers with online access, online bankers are:

Less branch-centric. Not surprisingly, online bankers are more likely to turn to the Web for the range of account activities. And although they still prefer human channels for service interactions, online bankers are more likely to use the phone for help, rather than going into a branch.
More multi-channel. Across a range of activities, online bankers were more likely to use multiple channels, particularly for checking balances, transferring funds, and getting help with account problems.
What’s critical here is that these tendencies hold true for each generation. This suggests that adopting online banking changes a customer’s channel behavior, regardless of age. [That doesn’t seem far-fetched, but it is debatable]. And so I set out to answer:

What impact would an increase in online banking adoption have on a bank’s cost structure if new online bankers had the same channel activity and preferences as today’s online bankers?

To answer that, I made some assumptions regarding:

Adoption. For the purpose of the analysis, I assumed a bank had about 1.5 million customers, 67% of whom are online (access to the Internet, that is). I assumed that these customers mirrored the overall online population in terms of age distribution and, by generation, the percent that bank online. I assumed that 10% of the non-online bankers in each generation would become online bankers.
Channel costs. I assumed the following channel costs per transaction: $6 in the branch, $3 for the call center and mail, $1.25 for IVR, $1.10 for ATM, and $0.25 for Web transactions (I didn’t pull these out of the air — a bank shared this with me a few years ago).

I ignored the costs to build new online functionality and any costs that would be incurred to provide technical support for new online banking customers.
Transaction volume. I assumed annual transaction volume of 24 account balance inquiries, 12 funds transfers, 4 general account problems, 1 fee dispute, and 1/2 of an address change.
Transaction migration. For each of the activities, I assumed that new online bankers would shift their channel activity to mirror the channel behavior of current online banking customers.
The bottom line: Based on these assumptions, a 10% increase in online banking adoption could reduce support costs by about $4 million, or about $70 per new online banking customer.

Interestingly, potential cost reductions don’t occur equally across all channels or activities. The model forecasts:
Significant branch cost reduction. Reduced branch activity accounts for 73% of the potential cost reduction. The lion’s share of that impact comes from the decrease in balance checking, funds transfers, and address changes that come out of the branches.
Lower call volume — but not for all activities. Similar to the branches, a shift in account balance inquiries, funds transfers, and address changes from the call center to the Web help bring costs down. But for activities like problem resolution and fee disputes, call center costs actually rise because some new online bankers will shift their activity from branches to the call center.
What does it mean?

Who banks online is more important than how many people bank online. A bank’s ability to migrate their older customers (i.e., over 40) will have a greater impact on short-term cost reduction than sitting around waiting for the wired youth — who won’t need to be persuaded to bank online — to open bank accounts.

The ROI has to be realized. I recently took Forrester’s Charlene Li to task for her ROI of blogging projections, because, as I argued, unless firms made staffing reductions or eliminated certain market research expenditures, they wouldn’t actually see the ROI of blogging. Same concept applies here. If banks continue to build and staff branches, the cost reduction potential of online banking will never hit the bottom line.

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