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Commercial Mortgage Loans in DETROIT, MICHIGAN

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Good Driver, Bad Credit: What Makes Your Car Costs So High

Car owners with poor credit can pay hundreds — if not thousands — more to drive than those with good credit. This plays out in two important ways: higher rates on car loans and, in most states, higher insurance premiums. In fact, having bad credit can raise your insurance quote even higher than if you’d had an accident.

To see how much poor credit can cost car owners, NerdWallet looked at auto loan terms and insurance quotes for drivers in different credit tiers.

Credit and car loans

Drivers with blemished credit often choose a cheaper car than they could otherwise afford. However, they’ll still pay more to own it — especially if they finance the purchase. Good credit is generally considered 690 to 719, while bad credit is below 630. In a slightly different system, prime credit is 661 to 780 and subprime credit is 501 to 600.

For used car loans in the last quarter of 2017, prime credit buyers received an average rate of 5.48%, according to credit reporting agency Experian. The average rate was much higher, 16.27%, for subprime borrowers.

How this ex-addict turned self-made millionaire created the world's most hellish peppers

For beginners, Currie suggests following up any pepper sampling with bananas, donuts or protein bars to help with recovery.

Even breathing the air in Currie's store can make one's eyes water and throat feel a little raw, but he is oblivious. In fact, he starts every morning with a few drops of his own private hot sauce tincture.

He also insists super hot peppers cannot kill you. (Theoretically capsaicin toxicity could be deadly, but your body would not allow you to digest enough extreme chilis to do the job.) Indeed, Currie says they can actually be good for you. The pain they cause is followed by something similar to a runner's high.

"I won't lie to you, eating a Carolina Reaper is like eating lava, it hurts when you initially eat it," Currie says, "but eventually that endorphin rush takes over, and it feels good."

PuckerButt Pepper's founder says last year sales were around $1.5 million, most of it wholesale to food manufacturers. Revenues are growing around 26 percent a year.

Michigan Mortgage / Bad Credit / HUD homes / HELP!!?

My husband is in Michigan waiting to immigrate us from Canada. He earns approx $3200 net per month, has been at the same job since Nov 2007, but in the same LINE of work for over 10 yrs (owned his own business for approx 5 yrs during that time).


I suggest contacting a mortgage company that does not charge for pre-approval and ask them the questions you pose. http://mumloans.com is an affiliated lender of my broker. According to their website they do not charge for pre-approval.