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University of Phoenix Finance Question Discussion

University of Phoenix Finance Question Discussion

Question Description

I’m working on a finance discussion question and need support to help me understand better.

this is a class discussion and these are another student’s posts. Just reply with facts/opinion or any add ons you may add what they are saying

1)In chapter 5 I scored the lowest in “Evaluate consumer loan choices based on your financial needs, loan terms, and costs”. This is honestly embarrassing considering me and my wife own a home together. Knowing these things are important because you should be knowledgeable about different loans that can benefit you in both short and long term. In chapter 6 I scored the lowest on “Evaluate mortgage financing alternatives”. This will be important in my financials for when we buy our next house. Having different options for mortgages will benefit us by hopefully saving us money.

If my friend is planning on buying a home I would advise them to speak to multiple loan companies and meet with several real estate agents to find the best options. I would also tell them that their mortgage is not going to be the only monthly expense, there’s also utilities, and any damages that happen to the house. It is way more costly and more work than renting.

Building a positive credit score seems impossible sometimes, but with making small purchases that you could have afforded upfront, and paying it off over time helps build your credit. Trying to open more credit cards might seem like a good option, but it lowers your score. Making on time monthly payments, and paying your rent, or mortgage on time is the best way to build credit.

2)The start of getting credit is kinda hard if you do not have anybody to teach you the right way. My mother just told me do not to get credit cards and run them up and that was a very good idea. I tried to apply for my favorite store cards and I kept getting declined every time I went to apply. So I went to the web to see how to start your credit. The first step I will say to get a capital one card to start off or a discover card. Start by using it for simple stuff like gas and paying a bill and make sure you pay it right back off when it posts on the card. Once you start to see your credit move up apply for something else that will not run your credit and make it go down. My next option for a card will be my first one. I just feel like I will get a great used car and pay it off right there and only have insurance to work about so I can keep some money just in case something happens to the car in the long run and I do not want a new model car or a very expensive one.

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