• Home
  • Investing
  • Saving Money
  • Credit & Debt
  • Retirement
  • Real Estate
  • Small Business
  • Insurance

One Cent At A Time

Smarter money decisions, one cent at a time.

  • Email
  • Facebook
  • Pinterest
  • RSS
  • Twitter
  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

Decoding DSCR Loans: A Key to Real Estate Investment Success

January 5, 2024 Leave a Comment

In North Carolina’s finance and real estate sectors, investors are constantly on the lookout for new, innovative ways to secure funding for their ventures.

Here, DSCR or Debt Service Coverage Ratio loans are a powerful financial tool, providing real estate investors with opportunities to acquire and expand their property portfolios. 

In this article, we’ll delve into the intricacies of DSCR loans, explore their significance in North Carolina’s real estate investments, and uncover why they have become the go-to choice for many investors.

Continue Reading...

How to Successfully Secure Your Businesses Finance

February 20, 2022 Leave a Comment

Your personal life may be easy to finance and keep on top of. For example, you may take out a short term loan in an emergency to help resolve any woes. But when it comes to financing a business, this may not be an option. Instead, you may need to take out a business loan or request a business credit card. Both of which have a slightly different application process from a personal one. Here’s how you can successfully secure finance to grow your business.

How to Successfully Secure Your Businesses Finance

Grow Your Credit Score

Not only do you have a personal credit score, but your business will have one too. When applying for finance, this credit score will be checked, and it can affect the outcome of your application.

Continue Reading...

How Loans Can Hurt and Help Your Credit Score

September 10, 2020 Leave a Comment

Many people think that all kinds of debts are created equal and as a result, they have equal weight on your credit score, but this is not true.

Many factors play a role when it comes to credit scores and how they are calculated. Credit scoring models take into consideration what debt you have and how much of it. Also, they consider how your installment debt.

When you understand which metrics matter most about your credit scores, you’ll be able to improve and maintain them. In this article, you’ll find the answers to your questions.

Continue Reading...

4 Things You Should Know Before Taking out A Loan

July 13, 2020 Leave a Comment

Getting a loan is a huge financial decision, and it should never be taken lightly. In emergencies, debt can prove to be very useful and life-changing, but that doesn’t mean that you can’t do some research before the time arrives.

Top Tips to Help Manage Your Personal Loan Payments

As it is a very significant financial decision, you need to make sure that it doesn’t have any adverse effects on your finances in the future. Before you apply for any kind of loan, you must learn a few things about yourself so that you don’t have to face any problems later on.

Continue Reading...

Best Places for Your Loan Need

September 9, 2017 2 Comments

Most people know that it’s always better to rely on their own finance but today it’s quite hard to avoid using different loan services. There are different kinds of loans and consumers use them for different purposes. For example, getting a fast loan is a way to deal with a financial emergency.

Taking Out Loan

Not so many people can afford to buy a house with cash, so they get mortgages. Personal loans help dealing with both expected and unexpected expenses.  Today’s lending market offers numerous opportunities for borrowing money, so let’s check the most popular lending options and figure out when it’s better to use them.

Continue Reading...

I am a Discharged Bankrupt; Can I get a Car Loan?

February 19, 2017 9 Comments

This post talks about ways to get approved for a car loan after you are over from your recent bankruptcy. Enjoy the post from Bill Tsouvalas!

Car loans

Acquiring car loans after bankruptcy is frequently considered impossible. However, that assumption is wrong. You can still obtain a car loan if you filed for bankruptcy and have subsequently been cleared of your debts.

Continue Reading...

Sub-Prime Car Loans, How to Buy a New Car With Bad Credit

June 5, 2015 3 Comments

I don’t advocate for buying a new car, even for people who has a good credit. In terms of value for money, a 1-year-old car is always better than a brand new car from the showroom. The moment you drive it out of the dealership, car value goes down by a couple of thousand bucks. But there are people who want to buy a brand new car.

How to buy a new car with Bad Credit

In this post, I’ll assume the reader had a temporary hardship, due to which regular payments on credit cards and other loans suffered. Resulting in bad credit. Sometimes long term illness or a divorce can put one into bad credit. But, now the reader recovered and have cash to pay off debts, and, is confident on future cash flow to afford auto loan repayment.

Continue Reading...

Millions of American Homeowners Could Refinance and Save with HARP

June 26, 2013 4 Comments

This is a Sponsored post written by me on behalf of Quicken Loans for SocialSpark. All opinions are 100% mine.

by Clayton Closson

You read that title correctly.

An estimated 2.7 million American households could refinance to today’s mortgage rates (which are near historic lows, in case you haven’t been paying attention) through the gov’s HARP program. And they can do it even if they owe more money than their home is worth. Up to 200%. But they aren’t. And we don’t know why.

Continue Reading...

Things to Consider When Taking out a Short Term Loan

November 4, 2012 Leave a Comment

There are many considerations to make when you’re planning on taking out a loan of any type and short term loans are no different – sometimes you don’t have much thinking time when it gets to being an emergency.

Personal loans

Even though the amount you borrow is normally quite small, and the time period of the loan is often only a month, it is still a loan and you will still have to pay it back when the time comes. Quick loans are legal documents between you and your lender and you need to think a lot about your circumstances before taking one out.

Continue Reading...

FAFSA Scam And How To Be Prepared

September 26, 2012 3 Comments

The premise of FASFA, as the first abbreviation denotes, is to extend free financial help to needy learners. FAFSA is not totally scam proof.

FAFSA Scam

Before we start with anything else, Here’s a good article by department of education on college scholarship fraud issue. If you are applying for college or know someone who is doing, this article can be an useful resource for you.

Continue Reading...
Next Page »


Create your own blog in 20 minutes and $20

Personal Capital, a free tool to change your financial health today

CreditKarma, a free tool to check your credit scorey

I use Coinbase, for my crypto investments

101 Cents at a Time

101 Ways to Earn Extra Money on the Side
201 Frugal and Perfect Birthday Gifts
101 Ways to Save Money Everyday
101 Ways to be Better and Successful at Work
101 Ways to Save Environment and Energy
101 Frugal and Romantic Anniversary Ideas
101 Low-Cost Men's Fashion Ideas
101 Personal Finance Tips
101 Ways to Reuse Household Stuff
101 Things to Do, When Nothing to Do
101 College Graduation Gift Ideas
100 Tips for Ecommerce Startup
101 Ways to Enjoy Indoor During Winter
101 Ways to Beat Procrastination

Popular Posts

Quick Cash - How to make $100 legally, in a day
Living well on less than $15,000 a Year
Top survey sites for side income
What to do when auto repair goes wrong
Where should I invest my money now?
20 Ways to be productive and happy at work
51 Ways to get out of debt
Be a better person in 15 days, 15 ways
Income ideas for retirees and senior citizens
51 side jobs for college students
Urgently need a large amount of money?
Should I buy or should I rent?
Best Personal loan providers
25 Ways to save environment
25 DIY car repairs to save money
How to decorate office cubicle
How to show your wife you care
50 Financial Rules for Success
51 Frugal weekend family activity ideas
Become Rich By Saving 1 Hour Of Daily Wage
How much do I need to save for retirement?
How to negotiate your salary

Follow us on FaceBook

Advertisements

Personal Stories

How I got a new HP computer replaced
Was COVID circulating in USA in fall of 2019?
How my credit score went up 800+
Why I didn’t invest in Bitcoins
How I controlled impulses to buy things
Why this blog is named One Cent at a Time

Subscribe via Email

Site Disclaimer

Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
Read full Affiliate disclosure


One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

Major Media Mention

One Cent at a Time Media Appearances

Copyright © 2026 One Cent At A Time · Designed by Nuts and Bolts Media