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2. Should I get a personal loan? Here are the pros and cons - AOL

   www.aol.com/finance/pros-cons-personal-loans...

   Personal loan fees and penalties can drive up the cost of borrowing. Some loans have origination fees of 1 percent to 12 percent of the loan amount. The fees, which cover loan processing, can ...

3. Is Taking Social Security at 62 a Huge Mistake? - AOL

   www.aol.com/finance/taking-social-security-62...

   Any time you take Social Security before your full retirement age, you’ll have to accept a reduced benefit. Your benefit will be 6.66% lower for each year of early benefits. If you start them at ...

4. 5 big financial mistakes new college graduates should avoid

   www.aol.com/finance/5-big-financial-mistakes...

   Here, we list five mistakes recent college graduates should avoid to help ensure long-term financial success, along with tips from financial experts on staying on top of your finances. 1 ...

5. Mortgages for seniors: Getting a home loan in retirement - AOL

   www.aol.com/finance/mortgages-seniors-getting...

   DTI ratio. Calculate your DTI ratio using this formula: DTI = Monthly debt payments (including mortgage or rent) / monthly gross income x 100. Some lenders allow a DTI ratio as high as 50 percent ...

6. Mortgages for seniors: Getting a home loan in retirement - AOL

   www.aol.com/finance/mortgages-seniors-getting...

   Loan type. Minimum credit score. Conventional loans. 620. FHA loans. 580 with 3.5% down payment, 500 with 10% down payment. VA loans. No minimum requirement, but generally 620

7. Reverse mortgage pros and cons: What every senior ... - AOL

   www.aol.com/finance/reverse-mortgage-pros-cons...

   You can better manage expenses in retirement. Many seniors experience a significant income reduction when they retire. A reverse mortgage allows you to supplement that diminished income without ...