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Does It Make Sense to Take a Personal Loan?

first_imgRemember how it may make sense to take a personal loan over racking up credit card debt, thanks to a potentially lower interest rate? If you already have credit card debt across multiple cards and a high debt-to-income ratio, it may make sense to consolidate that debt with a personal loan.This might be beneficial if you can get a lower interest rate on the personal loan than what you’re paying on your credit cards, and if you could afford the monthly repayment on the personal loan.Like most other financial products, personal loans can be useful tools — but only if you wield them wisely and responsibly. Before applying for a personal loan, consider your overall financial health with a free credit score and report and consider if this is the right move for you. Post navigation A personal loan is a type of unsecured loan. “Unsecured” means you don’t put up collateral against the loan. When you take out a personal loan, you’ll typically receive the amount borrowed in a lump sum with fixed payment terms and a set interest rate.Personal loans may be better options than credit cards because they offer better interest rates. Costing you less can be the biggest benefit, but a personal loan is also a different kind of credit account than a credit card. Managing various types of credit is one small action you can take to improve your credit score.Keep in mind this is only true if you manage accounts and loans wisely. Here’s how to do so.How to Manage Your Personal Loan Responsibly In an ideal world, your monthly cash flow would cover all your expenses — both expected and unexpected — and enable you to reach your financial goals. But financial situations are rarely ever that simple and straightforward.What happens if something comes up in your life and your monthly budget nor your cash savings can handle the expense? There’s always the option to borrow, and while being in debt isn’t ideal, there are situations where it may make sense.Before you take out your credit card and rack up a balance, look into other options. A personal loan might be a better financial bet.What Is a Personal Loan (and Why Get One)?center_img Again, in an ideal world, you wouldn’t need to borrow money or wait a very long period of time to save up to buy what you want. But in real life, things happen and timelines shift. Taking out a personal loan can be an option. You just need to plan and act responsibly with the sum you borrow.Don’t request more than you can reasonably afford to repay — and don’t take out a loan for a greater amount that what you truly need the money for. Not only do you need to pay that money back, but you’ll need to pay loan origination fees and whatever the interest rate on, making this option more expensive in the long run than simply using cash.Create a repayment plan and stick to it. Know how much you need to allocate toward repaying your personal loan each month, and make it a priority in your budget. You may need to cut back on some discretionary spending, like meals out and shopping trips, in order to knock that loan out on time.And before you take out any loan, make sure you fully understand the terms. Understand all the fees associated with the loan, and ask the lender if there are penalties for repaying the loan early.What About Consolidating Debt with a Personal Loan? Kali Hawlk is a freelance writer and the co-founder of Off The Rails, a free mentorship platform for creative women. She’s passionate about helping others do more with their money, their work, and their lives. Get in touch by tweeting @KaliHawlk.From the Mint team: Everyone has different needs and desires as it relates to their financial situation. Mint’s new Loan Center has select personal loan and student refinancing options that may suit your needs (and have passed our sniff test!). Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedDiscretionary Income and Student Loans: What Does It Mean?August 19, 2019In “Financial Goals”What You Should Know About Student LoansApril 25, 2019In “Student Finances”Mint Money Audit: 4 Steps for Getting Out of Debt Once and For AllApril 4, 2017In “Family Finances” last_img read more

A Boys Room to Grow Into

first_imgVintage transportation inspired a classic boys’ theme to give this room a hot-rod attitude.A Scheme to GrowThe toughest task when it comes to creating a cozy kids room is choosing a theme and a color scheme that will last for many years to come. This bold room, in primary colors, meets the challenge with its vintage cars and planes theme.Perfect Boy ThemeTransportation is a perfect theme for any little boy who loves things that move. The sophisticated color palette and artwork possibilities are perfect for parents who don’t want to redecorate two years down the road.Window FocusStriped Roman shades set the red, navy, white, and green color scheme; the fabric’s deep tones really pop against the white wainscoting and built-ins. An energetic band of stripes around the walls completes the space and can be easily painted over as tastes change.Must-Have ToysAccessories support the room’s theme, especially replicas of antique toys. Vintage posters are a classy addition to the space. The room’s more juvenile accessories, such as stuffed animals, picture books, and toy trucks and trains, can easily be removed as the resident grows, but the bold color scheme has staying power.Must-Have ToysA comfy reading nook with a fire-engine red chair is the perfect spot for bedtime stories and snuggles.Do-it-yourself StripesA band of stripes is an easy do-it-yourself project that adds a personal touch. Master these simple steps to get the look:1. Mark the area to be painted with removable painter’s tape.2. Paint this section the base color of the band (the thinner stripes will be painted over it). In this room, for example, the green stripe was painted first.3. Once dry, use different widths of painter’s tape to mask off the other stripes. You’ll need to do this in stages because you cannot mask all the stripes off without blocking some areas with the tape.4. Brush decorator’s glaze over the edges of the tape to keep the paint from bleeding under the tape and ruining the stripes.5. Paint the stripe, slightly overlapping the tape; let dry. Repeat until all the stripes have been painted.6. Carefully remove the tape. If the tape starts to pull up the paint, use a blow dryer to warm the adhesive as you carefully remove the tape.Sourcelast_img read more

Here’s How the Countries Most Vulnerable to Climate Change Can Continue to Lead on Climate Action

first_imgMoreover, enhancement for many CVF countries can be an elaboration of their initial NDCs —drilling down to sectoral specifics can help spur implementation of existing targets and enable countries to go even further.Of course, CVF countries can’t do it alone. Major emitting countries have to step up and dramatically cut their emissions to ensure globally we are on the necessary trajectory to limit temperature rise to 1.5°C and avoid the most catastrophic impacts of climate change – many of which will hit the CVF countries the hardest. Further, CVF countries will need finance and other support in order to pursue their aims and realize the zero-carbon, climate resilient economies they envision.CVF Can Think Beyond CO2In addition to deep cuts in carbon dioxide pollution, early action on a set of powerful climate forcers—often referred to as short-lived climate pollutants (SLCPs), they include methane, hydrofluorocarbons (HFCs), black carbon and tropospheric ozone—can provide important climate and development benefits and avoid overshooting the 1.5˚ C goal before 2050. Following one of the worst seasons of extreme weather events in recent history, we are a day away from the world’s first virtual climate summit. The November 22 Climate Vulnerable Forum Virtual Summit aims to highlight the urgent need for all countries to enhance their level of climate ambition. It is organized by the Climate Vulnerable Forum, which is comprised of 48 of the countries most vulnerable to climate change.To save those countries and communities that are most vulnerable, including the CVF countries, global emissions must rapidly decline. The CVF has been a constant voice raising awareness around the urgency for all countries to step up their climate ambition. The CVF was the political force that helped elevate awareness around the importance of including the 1.5˚ Celsius (2.7˚ Fahrenheit) goal in the Paris Agreement, which also triggered the alarming report just released by the IPCC.The CVF haven’t just raised the bar in negotiations. They lead by example, announcing commitments to go further to reduce their own emissions and ensure their economies transition to a low-carbon, climate-resilient path. These include a collective commitment to 100 percent renewable energy by 2050, and recent announcements by Marshall Islands and Fiji to submit more ambitious NDCs at the UN Secretary General’s Climate Summit next year.To support these efforts to lead the way, WRI has published analysis on opportunities for CVF members to enhance their NDCs in a manner that supports a transition to a zero-carbon world, resilience to climate impacts and the achievement of sustainable development objectives.Many Options for Raising Ambition of Climate PlansTo explore the opportunities for CVF countries in advancing action at the climate ocean nexus, WRI will be convening a panel of experts from government, civil society and the UN for an official panel during the CVF Climate Virtual Summit. More information on watching the panel live can be found here.CVF members have a number of options for enhancing the ambition of their NDCs in 2020 – extending across energy (particularly related to renewable energy), transport, forests and coastal ecosystems, and food and agriculture. Which specific options present the best opportunity will be different for each country.Some countries may decide to extend their NDCs – as Fiji has said it will do –to a wider range of sectors to cover energy, transport, agriculture and forestry, and waste. Some of the best opportunities for enhancing the ambition of current NDCs in a way that aligns with development objectives are at the sectoral level. Whether in energy or transport, agriculture or forests – countries can reduce emissions while delivering significant sustainable development benefits and enhancing resilience. Some of these options are highlighted below. Taking fast, ambitious action to reduce SLCPs is vital to reduce the rate of global warming and keep temperature rise below 1.5˚ Celsius (2.7˚ Fahrenheit)—an ambition that all countries signed on to as part of the Paris Agreement, and an essential goal for ensuring poor and vulnerable communities like those represented in the CVF are spared from climate catastrophes.Reducing SLCPs is particularly relevant for the CVF because it can deliver multiple benefits for sustainable development and human health and well-being. By focusing greater attention on these pollutants in their NDCs, the CVF can play a key leadership role internationally while taking significant steps domestically to improve air quality, economic livelihoods of farmers and food security.Aligning Short-Term Targets with Long-Term ObjectivesIn addition to NDCs, the Paris Agreement invites countries to develop mid-century, long-term, low-GHG-emission development strategies by 2020. These strategies can very usefully guide the enhancement of NDCs, as countries can align their long-term visions with short- and medium-term actions.Some CVF countries are in the middle of domestic preparations to develop and communicate their long-term strategies. For example, the Marshall Islands released its long-term strategy in September 2018, which includes goals to boost climate resilience and reach net zero emissions by 2050.How Countries Can Stand with Those Most VulnerableThe science is clear. If we are to meet the goals we set in Paris, it is crucial that countries commit to enhancing their NDCs in 2020. Over 60 world leaders will be participating in the CVF Summit, making it a prime opportunity for world leaders from many countries to stand in solidarity with the CVF, acknowledge the 1.5C report and outline plans for enhancing the ambition of their NDCs.The countries in the CVF will face enormous challenges in the coming century, ranging from sea level rise to hotter temperatures and other destructive impacts. Meeting targets for mobilizing adaptation and resilience finance is crucial to protecting the most vulnerable among us.last_img read more