Friday, June 23, 2017

Cool Consumer Credit images

Some cool consumer credit images:

Image from page 188 of “Hardware merchandising March-June 1921” (1921)
consumer credit
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Identifier: hardmerchmarjun1921toro
Title: Hardware merchandising March-June 1921
Year: 1921 (1920s)
Subjects: Hardware industry Hardware Implements, utensils, etc Building
Publisher: Toronto :
Contributing Library: Fisher – University of Toronto
Digitizing Sponsor: Algoma University, Trent University, Lakehead University, Laurentian University, Nipissing University, Ryerson University and University of Toronto Libraries

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ding PapersThat Continually Boost Your Store Building Papers, Tarred Felt, Sheath-ings and Tar Products, and WrappingPaper of all kinds that give service inuse, reflecting credit on the dealer andinspiring confidence in all the lines hesells—thats the McArthur line. Drop us a line for an interesting little bookleton Roofing Materials. It will tell you of eachone of our lines—reasons why they sell, andserve the consumer so that you hold his futuretrade. We cannot tell of all the lines here, but, forinstance, Black Diamond Tarred Felt is purewool tarred roofing felt, from selected woollenrags saturated with pure coal tar, producingthe most durable roofing felt possible to make. Ask for Literature Alex. McArthur & Co., Ltd. Established 187982 McGill Street Montreal, Canada NAILS WIREBALE TIES WIRE HOOPS FORKEGS and BARRELS STRAIGHTENED RODS COPPERED AND TINNED WIRE The quality of our product is highly commended. THE GRAHAM NAIL WORKS Operated by the CANADA METAL CO., Ltd. TORONTO

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The Impact of Mortgage Interest Rate

Mortgage interest rate is the interest rate banks set to customers who take out credit using collateral. This mortgage interest rate is determined depending on the type of bank loan taken. Credits for consumption purposes have higher mortgage interest rate than the credit for the effort. Many people who use consumer credit even though mortgage interest rate relatively higher than other loans. Interest rates will greatly affect the amount of installments to pay; the higher the interest rate the greater number of installments. Thing to note by the customer about the mortgage interest rate is the interest rate. The interest rate charged by the bank for the customers there are 2 types of flat rate and floating rate / variable. If the flat rate, monthly installment amount will remain the same until the end of the credit contract. While the floating mortgage interest rate or variable can be changed following the interest rate on the market. This will affect the amount of monthly installments. So the amount monthly payments may change interest rates follow the market. As a person who will submit credit loans must know the rules of credit propose loan. Check our previous credit is the payment process. Is current mortgage interest rate or not. If our credit scores are good, we stayed to continue until the repayment period is complete. Find a mortgage interest rate best suited to our capabilities prior to making loans. Prepare all financial documents required by the bank.

These documents are: proof of tax payment last two years. Proof of monthly income slip and have worked a minimum of 2 years. Savings account last 6 months. The numbers of family members who become prospective customers like children. And credit loan application is completed and signed. The most important thing according to the bank to obtain a mortgage interest rate should have good credibility in the eyes of the bank. And have a minimum 20 percent down payment (if applying for a loan to buy their houses). Choose the appropriate time period. Period of time can be selected from 1 year to 20 years. Monthly payments for loans / mortgages home will depend on the size of the loan amount, loan term and type of loan package. Generally, installment loans per month do not exceed 30 percent of potential borrowers monthly income if the bank approved the credit application. Prospective borrowers must prepare money for administrative fees, notary fees, and other costs required. After disbursement of loan, borrowers begin paying monthly installments in accordance with the loan amount received and the interest rate agreed upon. Things to think wisely if it is going to borrow the funds are not to borrow funds without conceived. Do not use credit cards when going to borrow money. Credit cards can be used as emergency funds for urgent needs like paying the hospital costs that can not be postponed. Because credit cards are not used to borrow money but to substitute for cash. Credit card as a good buffer in difficult times. But use it wisely. As a prospective customer to learn in earnest about the mortgage interest rate

To learn much more about mortgage interest rate and debt consolidation loan, please visit, where you will find these and much more.
When you walk into a bank and you ask them to give you something. They’re giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can’t you always get the best rate? Well, each product is different. I’ve mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either.
You just do not know that because they all look like they target everybody. Right? We’re looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case.
Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you know that?
Not a lot of people do. So therefore location matters to them. And if you get a certain property in a certain area, they will not fund it. Likewise, with other banks going into other provinces or things like that.
They also do not just like land; many places do not want land, or places with homes that are deteriorating or things with more than two piping or previous row operations. All these things I’ve mentioned in other videos before. Each bank targets people differently and they won’t do certain properties. So property is one of the things.
Secondly, credit score. What is your credit score. If your credit score is over 680 great. I can probably put with any lender based on that score. Is it under that score 680. well is it between 650 and 680? I can still go to most lenders. What if it is below 650, what if it is below 500? These are different levels, different tiers and again if a certain rate of 5% says you must have a 680B or above and you have less than 680. You now do not qualify for that best rate.
Kind of, catching on how this works? Again, self employed stated income programs not every bank does those. New immigrant programs you know each bank has their own niche. So, you are not always going to get the best rate depending on your situation.
So if you come to me, how it is I am going to get you the best rate? I am not; I am going to get you your best rate based on your situation. So what I will do I will go, “OK, what is the situation, what is the property, oh it is in the city. OK, well these credit unions are out, these lenders do not like it over there or whatever the case maybe.”
Now I am left with this pile. From that pile, I am going to go, “Well I am using a stated income product. This person is self employed does not document a lot of income. OK well, that’s more than half. Great now I’m left with this pile.” Now I will look at this pile of lenders and I say who has the best rate? And from those lenders I place you with one of those.
There is things about that product you need to know about it. First of all, is it a fixed or variable? If it is fixed how long is it fixed? If it is variable how long is the variable? You probably did not know variable comes in terms did you.
Another thing to ask is what is the prepayment options? If you win the lottery there are some mortgages out there mostly the rates that are the lowest. You have no prepayment options. You cannot pay down any principle at any point. There are certain lenders out there that make a lot of money on those programs. OK?
So, prepayment options are something to ask. Is it transferable? How is there penalty calculated? These are things you need to ask because they will be important to you when it comes time to buy a new home or to refinance.
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American Express blue review

Among all the major credit card issuers, American Express has the best credit quality. American Express has the ability to capture and analyze information from the billions of transactions flowing through their network which allows them to generate value for their customers. On average, American Express cardmembers spend about 3X more than the ones from MasterCard and 3.5X above the ones from Visa. Instead of from lending fees and revolving credit balances, American Express earns most of its revenues from cardmember spending and with business that they drive to merchants. For five consecutive terms, American Express has earned awards for the highest customer satisfaction among credit card companies by J.D. Power and Associates. The company dominates with industry leading rewards programs and platforms. American Express is the one company with a powerful global presence across the entire payments chain. American Express operates the world’s biggest travel network as they serve consumers and businesses. Millions of transactions are processed daily for high expenditure cardmembers by American Express. American Express provides commercial payment tools and expertise that helps companies control their expenditure and save billions of dollars. By delivering purchasing power, flexibility, and financial control American Express helps small business owners succeed. American Express is the world’s largest card issuer by purchase volume.

Although there are 3 different versions of the Blue by American Express credit card, only two of them are really popular. One Blue by American Express card is called the Blue Cash Everyday and the other Blue by American Express is known as the Blue Cash Preferred. These two Blue by American Express credit cards differ in their cash bonus. The Blue Cash Preferred card has a $ 150 cash bonus, while the Blue Cash Everyday card has a $ 100 cash bonus. The Blue Cash Everyday version carries a $ 100 cash bonus, while the Blue Cash Preferred version carries a $ 150 cash bonus. There’s also a dissimilarity within the cash back earning potential between these 2 Blue by American Express credit cards. On supermarkets, gas, and department store purchases, the Blue Cash version of the Blue by American Express card earns a higher cash back rate. The Blue Cash Everyday card has no yearly fee, while the Blue Cash Preferred card has a $ 75 yearly fee. If you spend somewhere around $ 30,000 a year on your credit card, then the Blue Cash Preferred version would be the better option between these two Blue by American Express cards. As far as the 0% introductory APR on purchases goes, both Blue by American Express cards have a 12 month period.

Find More American Express Articles


Credit Rating basics

Learn what a credit bureau score is, and how it is used by banks and other companies to determine if and how they do business with you.

Contact a credt agency to review your credit rating – Equifax or TransUnion:

Martin Lewis answers a variety of questions on how to rebuild or improve your credit rating.
Try the credit card eligibility calculator for free:
Martin explains how credit scores and ratings work, covering topics such as:
If I have lots of debts or have been bankrupt, whats the quickest way to rebuild your credit score? 0:15
Is there a rule of thumb to know if you should cancel an unused credit card? 1:35
I have the best credit rating but I cant get credit? 2:20
Do banks allow people with poor credit rating to get a bank account? 3:16
What if I move regularly, will this damage my credit score? 3:47
How do I dispute defaults on my credit file? 4:42
Do companies have to tell me why I got rejected for credit? 5:39
is it true the more times you check your credit rating, the worse it becomes? 5:48
I’ve checked my credit file but do i need to check my credit score too? 6:04
Will improving my credit rating improve the size of the mortgage I can get? 6:12
How long will a bankruptcy stay on my file? 6:25
Will tarting my cards effect my credit rating? 6:33
Does having unused overdrafts or credit cards effect your credit score? 7:00
If I’ve got divorced, is my credit still linked to my husband? 7:10
Can my address be blacklisted? 8:03

Read the full credit rating guide on how to rebuild or protect your current credit score:
Use the eiligibility checker to see which credit cards you can get without doing a hard search on your credit file:
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Call 800-871-6817 Eliminate Unsecured Credit Card Debt! I speak from bitter experience when I create videos, as I had to claw my way out to get out of card debt in the past. What I want to make clear is that it does not matter how much you have to repay, you must realize that there is a way to get out of credit card debt.

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Image from page 964 of “The Ladies’ home journal” (1889)

Check out these buy home images:

Image from page 964 of “The Ladies’ home journal” (1889)
buy home
Image by Internet Archive Book Images
Identifier: ladieshomejourna65janwyet
Title: The Ladies’ home journal
Year: 1889 (1880s)
Authors: Wyeth, N. C. (Newell Convers), 1882-1945
Subjects: Women’s periodicals Janice Bluestein Longone Culinary Archive
Publisher: Philadelphia : [s.n.]
Contributing Library: Internet Archive
Digitizing Sponsor: Internet Archive

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Text Appearing Before Image:
FOR THESE 8 REASONS A frigidaire Electric Water Heater 1. Completely automatic. 2. Plenty of hot water, always at theexact temperature. 3. Perfect safety: no open flame, fumes,overheating. 4. Clean: no fuel, no soot. 5. May be located anywhere. 6. Economical: current on only part-time; heating units right in water. 7. Sickle-shaped Radiantube Units flexoff scale, keep efficiency. 8. Special baffle: incoming cold waterdoesnt dilute heated water. im flabbergastep

Text Appearing After Image:
BUT IM HAPPy We bought a FrigidaireElectric Range so I couldspend less time in thekitchen. Now cookings somuch fun — so fast, so easy,so clean —Im always try-ing something new, just tohave an excuse to use mynew range. Jim says, Isnt thatjust like a woman! Yes, I say,just like awoman with a new Frigid-aire Electric Range! Find Frigidaire Dealers name in Classified Phone Directory,Or write Frigidaire, Dayton 1, Ohio. Leaside 12, Ontario. Listen to The Man Called X every Sunday night. See newspaper for time, station 298 LADIES nOME JOURNAL

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Image from page 134 of “Sargasso” (1913)
buy home
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Identifier: sargasso00earl_3
Title: Sargasso
Year: 1913 (1910s)
Authors: Earlham College
Subjects: Earlham College College yearbooks Universities and colleges
Publisher: Richmond, Ind. : Earlham College
Contributing Library: Allen County Public Library Genealogy Center
Digitizing Sponsor: Internet Archive

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e fun and thestunts of the week as well as the important news. Dont become a stranger at the old school. Let The Presskeep you in touch. At three and a third cents a week theresno question but that it is a big bargain for everyone interestedin Earlham. So just forward a dollar bill, or your check ifyoud rather, to the editor and you will receive your first Presswithin a week. Address, THE EDITOR, The Earlham Press, Earlham, Indiana FOSLER DR UG CO. REXALL STORES ADAMS DRUG STORE FOSLERS PHARMACYSixth and Main St. 105 Richmond Ave. Gauses Flowers Buy your flowers at Earlham View Greenhouse RICHMOND, IND. ROSES, CARNATIONS We carry a full line of the best CHRYSANTHEMUMS Toilet Articles, Soap, Perfumes, And all flowers in season, at right prices Talcum Powders, etc. Always Fresh Greenhouse, National Road, West FIVE MINUTES WALK FROM COLLEGE I R 1 OUR SODA WA 1 hR The soda water with the famous Adams taste. VISITORS WELCOME PHONE 3135 Page one hundred and twenty-six 13he Starr Minum Grand

Text Appearing After Image:
THE Starr Minum Grand is the most masterfully constructed and exquisitelyfinished musical instrument of modern times. The most critical require-ments of the musician are abundantly satisfied in this exceptional instrument.Its sweet, singing tone affords perfect support to the voice and proves a never-ending delight to the pianist. This beautiful Starr Minum Grand has been accorded marked preferencein the aristocratic homes of America and numbers among its enthusiasticpatrons, musicians of world-wide renown. If you are interested in the best, investigate the Starr. We shall be gladto send you catalogs showing various Starr Models on request. THE STARR PIANO CO. 931-935 Main Street RICHMOND, INDIANA Page one hundred and twenty-seven The Nicholson PressRichmond. Ind.

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Three-masted barque JOSEPH CONRAD underway with sails set
buy home
Image by Australian National Maritime Museum on The Commons
The iron-hulled sailing ship JOSEPH CONRAD was originally launched as GEORGE STAGE in Copenhagen in 1882 as a training ship for young sailors. In 1934 GEORGE STAGE was about to be broken up when Australian author and sailor Andrew Villiers bought the vessel, renaming it after his favourite author. Villiers sailed JOSEPH CONRAD around the world with a crew of mostly young sailors, visiting Australian shores in late 1935. The vessel is now a part of the collection at the Mystic Seaport museum in Connecticut.

Flickr user Beachcomberaustralia provided the useful link to this SMH article mentioning the visit:

The National Film and Sound Archive hold footage of this visit, including the sailors singing the song ‘Rolling Home’ accompanied by an accordian: NFSA entry

The Australian National Maritime Museum undertakes research and accepts public comments that enhance the information we hold about images in our collection. If you can identify a person, vessel or landmark, write the details in the Comments box below.

Thank you for helping caption this important historical image.

Object number: ANMS1092[152]