Holidays on a Budget – East Coast

by Guest

All work and no play makes Jack a dull boy. Even if your career and budget are in great order, life won’t be as fun as it could be without a trip away from the home and office every now and then. Budget-conscious folks frequently set aside money for the purpose of getaways. The problem comes when they blow it all on trips that are just too expensive. If you live on the East Coast, or plan to visit this side of the county in the near future, there are plenty of ways to have fun and relax without breaking the bank. For you game theorists and card sharks out there, Caesars Casino Games NJ may be an option for saving up and spending a vacation budget in one fell swoop. For the rest of us, options like these will be the best choice:

1) Treehouse Camping. Sometimes the beaten paths and tourist traps don’t provide the most memorable experiences. Camping is a great, inexpensive activity to spend with a significant other or with your whole family. The east coast provides a lot of scenic locales: mountains, beaches, countrysides, farms, and……forests! Treehouse camping is cheaper than staying in a hotel, but more expensive than regular pup-tent camping. A variety of locations around the world offer this unforgettable lodging option. A treehouse camping trip can easily be romantic for couples or adventurous for families with little kids. Whatever your situation, this is a new and different trip that won’t put you into debt.

2) Wine Country. For the travelers looking for lovely scenery, peaceful drives, and a glass of Cab at the end, the East Coast’s wine country stacks up to the famous hills of California. Virginia and Pennsylvania have surprisingly gorgeous wine country. Chart a tour for yourself of some of the greatest farms producing excellent wine off the radar. Tours are reasonably priced and the views are second to none. This is a great way to enjoy the country and a loved one’s company away from the typical tourist vistas.

3) The Beach!. In order to save money, you’ve got to do a little homework here. Though wonderful, places like Myrtle Beach should not be your destination of choice. Look for less densely-packed beaches all along the east coast, like Oak Island, Duck, and East Hampton. Look for hotels where you can bid for rooms. You’ll often be able to reserve a room for well less than the asking price. Or do the same for a cheap rental house, as near the water as you can find. Oftentimes, you can save a bundle by just being will to walk an extra 50 yards to and from the beach. Finally, bring your own groceries to cook meals with your companions. While eating out is fun (and part of the beach experience, if you ask me), you can save hundreds by cooking two of your three daily meals at your rental place. Then just sit back and enjoy the sun, the breeze, and the water.

Some of the best vacation options can be truly exotic without being exclusive. With a little creativity, you can find affordable holiday destinations that you and yours will enjoy just as much as a trip to a foreign land. If you are traveling along the east coast this summer, these are only a few of the many things this area has to offer. Spend some time looking around. You may be surprised at what you can find for your next vacation.

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Typical Interest Rates on Bad Credit

by Mrs Money

Bad credit loans are becoming more and more popular. People of every ethnicity, age, socio-economic status, and gender are finding themselves battling low credit ratings. Fact is, it’s pretty tough to keep your credit score up in an economy that is far less than perfect. However, one way that people who are struggling help themselves, and their credit, is by utilizing bad credit loans.

What Are Bad Credit Loans?

Typically, when a person goes to apply for a loan through a bank, their income and credit rating is used to determine whether or not they are eligible. Banks have very strict guidelines for this, and it doesn’t matter what events surround the accumulation of bad credit. You were laid-off after an impeccable payment history? It doesn’t matter. A breadwinner in your home passed away? It doesn’t matter. What does matter is that you are floundering, need a financial break, and can’t seem to get one. Bad credit loans provide that break but often at a steep price.

There are some lenders that specialize in quick no credit check loans. If you go with a lender like this the interest rates may be slightly higher. This is due to the fact the lender is taking on a larger risk by not checking your credit history.

Bad Credit Loan and Interest Rates

Interest rates greatly affect the overall amount that you pay on a loan. The downside to bad credit loans is that they often have very high interest rates to help protect the lender against bad credit risks, which are the borrowers with low credit ratings. For instance, a person with excellent credit may be able to get a regular new auto loan anywhere between 2.99% and 3.04%. This is a very reasonable rate. However, while those with bad credit may be able to attain a loan, they’re going to pay much more for it. A typical auto loan interest rate with a bad credit loan on a new vehicle can be as much as 4.56%, and on a used car, as high as 9.01%.

Other unsecured loans can be even higher. For instance, it isn’t uncommon for an unsecured personal loan to carry an interest rate higher than many credit cards at 19 to 20%. Payday loans have extremely high interest rates because of their short duration, often shooting up above 150% of the overall loan.

Although these high interest rates may seem like a bad deal for borrowers on the surface, they may be their best ticket for improving their credit. After all, your credit can’t get higher if you don’t exercise it.

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