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Cash-strapped Ukraine launches crucial debt talks

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Rates Take Huge Dip – 2.67% APR”,”image”:”http://l.yimg.com/av/curveball/ads/pr/RESIZE/82×82/b7e6976233450d48575663c0e5e50f28.jpeg”,”secImage”:”https://s.yimg.com/av/curveball/ads/pr/RESIZE/82×82/b7e6976233450d48575663c0e5e50f28.jpeg”,”secHqImage”:”https://s.yimg.com/av/moneyball/ads/1424210696807-2814.jpg”,”summary”:”Rates now at 2.67% APR with no points – $225K mortgage for $904/mo. 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Sweden to give Ukraine $100 mn no-interest loan: Kiev

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Facing cash crunch, Greece set to tap into bank rescue fund – sources

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Greece has enough cash to pay second IMF loan tranche: sources

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South Africa's Eskom may sell assets to raise cash: CEO

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Diamond Bank sees "minimal" loan growth as economy falters

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[…]

Should You Borrow From Your Life Insurance?

If you need money in an emergency, one place to look is your insurance policy. That is, if what you have is permanent life insurance – available as either “whole life” and “universal life ” (see Permanent Life Policies: Whole Vs. Universal).

Unlike term life insurance, which has a set time limit on its coverage period and does not accumulate cash value, universal life does have a cash component, especially later on. “In the early years of the policy, most of the premium goes to funding the indemnity benefit. As the policy matures, cash value increases,” says Luke Brown, a retired insurance lawyer in Tallahassee, Fla., who operates YourProblemSolvers to help consumers with insurance, healthcare and consumer issues. (For details, read How Cash Value Builds In A Life Insurance Policy.)

How Much, How Soon

As cash value builds in a whole or universal life insurance policy, policy holders can borrow against the accumulated funds. Life insurance policy loans have one distinct advantage: The money goes to your bank account tax-free.

Insurers generally make no promises as to how fast or to what extent the cash value will increase. So it’s hard to know exactly when your policy will be eligible for a loan. What’s more, insurers have varying guidelines outlining how much cash value a policy must have before you can borrow against it – and what percentage of cash value you can borrow.

Your policy is likely to have sufficient cash value to borrow against “typically after the 10th year the policy is in force,” says Richard Reich, president, Intramark Insurance Services, Inc. a life insurance agency in Glendale, Calif.

Something else to know: This loan isn’t taking money from your own cash value. “You are actually borrowing from the insurance company and using your policy’s cash value as collateral,” says Reich.

No Need to Repay

One attractive aspect of loans against cash value is that you don’t have to repay them – a huge benefit in an emergency.

If you do pay back all or a portion of the loan, options include periodic payments of principal with annual payments of interest, paying annual interest only or deducting interest from the cash value. “Loans have an interest rate like any other type of loan. It tends to be in the 7% to 8% range, which is high in our current environment,” says Reich. Interest will be fixed or variable, depending on your policy.

There is a good reason to repay the loan if you can. “If the loan is not paid back before death, the insurance company will reduce the face amount of the insurance policy when the claim is paid,” says Ted Bernstein, CEO, Life Insurance Concepts, Inc., a life insurance consulting and auditing firm in Boca Raton, Fla.

The accumulated interest can cut deeply into the benefit: “If the policy loan remains outstanding for many years, the amount of the loan grows and grows due to the added interest,” Brown cautions. “That puts the policy at risk of not providing beneficiaries any money upon the death of the insured.

“At the very least, interest payments should be made so that the policy loan does not effectively grow,” Brown adds. That gives you a better shot of having money left to pay out after your death.

When Life Insurance Loans Make Sense

Here are some financial situations when a life insurance loan might be a sensible choice:

You can’t qualify for a standard loan or need cash really, really fast. Because the money is already within the policy and immediately available, it’s a quick source of immediate funds for a new furnace, medical bills or another emergency, with no credit check required. Even if you qualify for a traditional loan from a bank or credit union, a life insurance loan could be a valuable stopgap if you t don’t have time to wait for your application to be processed. When the traditional loan comes through, immediately use it to repay the life insurance loan. You can’t afford your policy’s annual premium. Don’t let a life insurance policy lapse because you can’t afford the payment. A loan can keep the policy in effect as long as the death benefit is greater than the amount of the loan. Your only other loan options have much high interest rates. Before paying a higher interest rate for a loan or pledging additional collateral for a traditional loan, consider taking out a life insurance policy loan, says Bernstein. “Since there are no loan terms such as repayment dates, renewal dates or other fees, compared to traditional loans, life insurance policy loans can be very competitive,” he says.

The Bottom Line

Choosing if and when a life insurance loan is right for you is subjective, Reich says. “You have to look at which is more important; the immediate need for the cash or your family’s need for the death benefit. Understand that any outstanding policy loans will be deducted from the death benefit, resulting in a smaller benefit for your family.”

Before borrowing against your life insurance, it may be helpful to consult a financial advisor to weigh all possible options and outcomes based on your financial portfolio. For more, see What are the pros and cons of life insurance policy loans? and 6 Ways To Capture The Cash Value In Life Insurance.

[…]

Should you give strangers your money on LendingClub?

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Websites that play matchmaker for people who want to borrow money and those who have spare cash to lend, offer investors an enticing deal: Sweet returns and the chance to hand-pick who you trust to pay you back.

And returns that can reach higher than 10% sound attractive at a time when interest rates on traditional savings accounts are meager. But investors should know that high returns — even in an online marketplace where overhead costs of lending are lower — imply higher risk.

LendingClub Corp. LC, +5.38% , an online loan company that has facilitated more than $6.2 billion in loans since 2007, went public Thursday. Its shares jumped from an initial public offering price of $15 a share to $24.75 at opening. Borrowers can apply to match up with lenders for personal loans for up to $35,000 or business loans capped at $300,000. The company rates borrowers with grades A through G, and says the average borrower has a FICO score of 699. The lower the grade, the more interest the borrower pays.

Online marketplace lending, through companies like LendingClub and its competitor Prosper, is expected to grow into a $1 trillion industry by 2025, according to the San Francisco-based venture capital firm Foundation Capital.

LendingClub borrowers can apply for credit through the company for various reasons: to help pay down credit card debt by taking out a loan with a lower interest rate, to pay medical bills, finance a car, purchase inventory for a business or even fund a vacation. The company says the average default rate has remained between 2% to 4% since 2009, higher than the average annual default rate of 1.06% for U.S. consumers, according to the S&P/Experian Consumer Credit Default Indices.

“No individual is going to be able to become adept at evaluating risk from borrowers on this type of loan,” says William Jordan, president of William Jordan Investments, a wealth management firm based in southern Orange County, Calif. For example, does a borrower who needs to pay off medical bills have a condition that could exacerbate and create more health-related expenses, affecting his or her ability to repay the loan? And can you trust someone who is borrowing money just to fund a vacation to be responsible enough to pay off your loan?

LendingClub requires investors to put a minimum of $25 in each fund they select. The company’s chief executive and founder Renaud Laplanche says that threshold encourages lower-risk investors to diversify their investments across different borrowers.

“While it’s illiquid, it’s also pretty short-term and high cash-flow,” Laplanche says. And if a borrower is diligent, “you also get paid every month.”

People who opt to assume the risk of lending to strangers should follow a few rules, says Peter Renton, who runs the website LendAcademy.com, where he writes about how to navigate peer-to-peer lending. An investor who puts $5,000 into peer-to-peer loans should spread the money out as widely as possible, given the $25 baseline. Also, put money in the best-rated funds if you can’t stand the thought of a stranger burning cash you’ll never see again, he says. And know that when a loan is 150 days past due and there’s no reasonable expectation of repayment, LendingClub says it may sell it to a third-party collection agency in an attempt to collect remaining payments, though recoveries are “infrequent,” according to the company’s website.

Chuck Jaffe’s Lump of Coal awards

(3:18)

Marketwatch’s Chuck Jaffe hands out his annual Lump of Coal awards. Is your favorite fund manager on the list?

About 70% of LendingClub investors are individuals, and the remaining 30% are institutional (for example, hedge funds, endowments and wealth management firms). For individual investors getting started, Jordan, the wealth manager, says even a portfolio that includes several types of peer-to-peer loans still amounts to an “unsecured consumer loan.”

“Someone coming to LendingClub with $1,000 or $5,000 or $10,000, I would say they should not be investing on a platform such as LendingClub,” he says. “They’re probably a newer investor. They don’t have that much experience. They certainly don’t have that much money.”

[…]

Avoid reverse mortgage regrets

Lots of people don’t fully understand how reverse mortgages work, and the resulting confusion can leave them with a lot of regrets.

Reverse mortgages were largely created for seniors who are cash-poor but house-rich – they have a lot of equity in their homes. The idea was to allow seniors to remain in their homes by borrowing a portion of their equity to supplement their incomes.

To qualify for a reverse mortgage, you have to be 62 or older. But unlike traditional home loan products, there is no monthly payment. The loan isn’t due until the borrower moves, sells or dies.

The overwhelming majority of borrowers get a reverse mortgage through the Federal Housing Administration’s Home Equity Conversion Mortgage (HECM) program.

I recently wrote about the loan product and many readers had questions and concerns.

One wrote: “It is recommended that the prospective borrower seek the guidance of a counselor. How independent are these counselors? My late cousin had obtained a reverse mortgage to supplement her limited pension. My impression was that the ‘counselor’ essentially presented my cousin with the different options of receiving the reverse mortgage (lump sum, monthly, etc.) rather than the associated costs, requirements and risks.”

Counseling is not recommended, it’s required by the Department of Housing and Urban Development. Borrowers have to use HUD-approved housing counselors, who must discuss not just how a reverse mortgage works and its eligibility requirements but the financial implications of getting this type of loan. They also are supposed to talk about alternatives. Their job is to help guide people to make their own decisions about whether the product is right for them.

Counselors are allowed to charge for counseling, but the agency must tell you about the fee before charging it. Fees are typically about $125, but some agencies charge less. Agencies are also required to waive the counseling fee if a borrower can’t afford it. You can pay the fee directly to the agency or out of your loan proceeds.

Another reader wrote: “A home equity line of credit can serve the same function as a reverse mortgage at much lower costs, and with the potential of being able to withdraw a larger percentage of equity than with a reverse mortgage. Am I missing something?”

The problem with a line of credit for cash-strapped seniors is that they may not qualify for the loan and they have to make monthly payments. The appeal of a reverse mortgage is that no monthly payment is required.

I also received a heart-wrenching note from one senior in Florida whose husband had taken out a reverse mortgage. She had signed over her rights to their home to her husband so that he could get a higher mortgage amount. She was 57 at the time. He was 62.

Some people, who married later in life, never add the spouse to the deed to a home that one spouse owned previously, said Jean Constantine-Davis, senior attorney with AARP Foundation Litigation. “More commonly, the younger spouses are talked into quit-claiming their interest in the home by mortgage brokers to generate higher draw on equity,” she said. “The couples virtually never understand that under the terms of the mortgage, when the borrowing spouse dies, the surviving spouse will be foreclosed on and evicted.”

That’s what happened to the reader.

“They assured me there would be no problem in adding my name back when I turned 62,” she wrote. “They failed to tell us that would require qualifying for a refinance.”

Now they can’t afford to refinance.

[…]

Personal Loan: How You Can Make the Most of It

There are times in life when you need extra cash to meet an immediate goal. In such a case when you have considered all other options such as taking help from friends or relatives and have not found a way out, dipping into your savings pool may not be a good idea at all.

Under such circumstances, many of us consider taking a personal loan. However, despite telemarketers chasing you almost daily offering personal loan schemes, getting a personal loan isn’t child’s play.

Just like any other type of loan, here also your loan eligibility will depend upon your Cibil score. A personal loan – as the term suggests – can be taken to meet a number of personal financial goals. Personal financial goals can be anything from a medical procedure, home improvement, own wedding or a sibling’s to urgent purchases relating to a small business. Sometimes people also opt for personal loans to refinance or consolidate a debt demanding a higher rate of interest.

But have you ever really thought as to which situations can be best handled with a personal loan? Let’s consider some instances and analyse how one can use this powerful instrument effectively:

Refinancing or consolidating debt

It may theoretically seem easier to pay off credit card bills with a personal loan, but one should always remember that by doing so, you are only moving your debt pile from one place to another.

You should, therefore, consider taking a personal loan only if by doing so you would be lowering the annual rate of interest you are paying.

For instance, the rate of interest on a personal loan can vary from 13.99 per cent to 23 per cent depending upon the lender you pick and your Cibil score. This is considerably lower than an annualised rate of interest of 35 per cent in case of credit card if you have managed to get yourself in the minimum amount payment cycle and are not making repayments towards your principal amount.

You may also consider taking a personal loan if you have an outstanding amount on more than one credit card and wish to consolidate all payments. It is much easier to concentrate on one loan payment rather than managing several repayments causing sleepless nights.

Home improvement projects

You may think of taking a personal loan to make substantial changes to your home, but instead of taking a personal loan, you may consider taking a loan from a bank. Most lenders have a home improvement loan product or a renovation loan under which they finance 80-85 per cent of the total cost of renovation being undertaken. The lending rates for such loans up to an amount of Rs 30 lakh range between 10.5 to 11 per cent while loans above Rs 30 lakh are available at an interest rate ranging between 10.75 per cent and 11.50 per cent.

Medical expenses/business purchases

If you need money urgently for a medical procedure for yourself or someone in the family you are better off depending on your medical insurance. These days most hospitals offer cashless facility, so coughing up a lot of money on an immediate basis is no longer necessary.

You should, however, not neglect this aspect and take adequate medical insurance cover well in advance. As for a business purchase, it is a judgment call that you need to make, but do consider taking a business loan from a bank prior to opting for a personal loan. There are several loans available for SMEs today that may offer you better financing and repayment options.

Weddings and vacations

There is no doubt about the fact that a wedding or a vacation can be cause a huge financial burden. While it is true that you will pay a lesser amount of interest as compared to a credit card, it is better to save up for such expenses well in advance rather than pay for them with a personal loan which is an unsecured debt at the end of the day.

CONCLUSION

Personal loans are definitely a lucrative option and relatively easy to procure these days, but it only makes sense to take one in case of an unavoidable and immediate need for money. The other instance when you can consider taking such a loan is when there is an opportunity to save money on interest rates.

Otherwise, if it is that designer outfit, a diamond ring for your wife or a fancy trip with your family that you want desperately, it’s better to save up for it rather than pay interest on the purchase.

Disclaimer: All information in this article has been provided by Creditvidya.com and NDTV Profit is not responsible for the accuracy and completeness of the same.

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