Vintage Shopping in Lisbon

Lisboans typically do not value second hand clothing as much as new designer fashions. Just as Lisbon apartments are nowadays styled with a modern interest, so Lisbon locals generally like to experiment with new fashion concepts. There are however, a couple of vintage store gems dotted around the city centre, which are really worth a dig around when shopping in Lisbon.

The most famous and most central, is A Outra Face da Lua. Located in Baixa Pombalina, this extensive vintage store concentrates itself on high quality vintage gear, with second hand dresses, shoes and unique garments through the decades. What’s more, its fun 70’s styled café is the epitome of pretty. With a mouth-watering selection of accessories and fabrics to match, A Outra Face da Lua really does itself proud as the principal outlet for vintage wear in Lisbon.

Trendy as ever in Bairro Alto, the Rua da Norte street presents two more excellent spots for vintage and second hand shopping, among its unique design boutiques and curiosities.
The musically inspired El Dorado store in Bairro Alto has a great selection of vintage clothing, including traditional flamenco skirts and accessories, with a range of vinyls and Fado music for perusal.

For a taste of Americana, check out the Bad Luck rockabilly vintage store further along the street. Sistered with a tattoo shop, Bad Bones, this store revolves around the Deep South and rockabilly styles, with vintage clothing, jackets, skirts and other compliments all pertaining to 1950’s rock’n’roll.

Catch the famous Tram 28 out to Campo de Ourique to find designer vintage, at the Be Vintage boutique, located here. For a selection of second hand luxury labels such as Dior, Versace and Prada, this little store is an original treat for shoppers who want to splash the cash on classic quality.

Last but surely not least, a better contender for vintage and second items of any description, be it clothing, furnishings, vinyls, jewellery and bric-a-brac, has to be the Feira da Ladra fleamarket in Alfama. This open market definitely deserves a look for fans of second-hand items and be prepared to barter. But thanks to its humble standing and laid-back vendors, there are many vintage clothing bargains to be had, at a snip of the trendy store prices.

Vintage Shopping in Lisbon; Address Index

A Outra Face da Lua, Rua da Assunção 22, Baixa
El Dorado, Rua do Norte 23-25, Bairro Alto
Bad Luck, Rua do Norte 91, Bairro Alto
Be Vintage, Rua Almeida e Sousa 51, Campo de Ourique
Feira da Ladra, Campo de Santa Clara, Alfama

Online Shopping With Bad Credit: You Can Still Buy the Things You Love

Just because you have poor credit doesn’t mean your online shopping experience has to be ruined. You can still buy the things you love, even if your credit rating isn’t as high as you’d like it to be. However, in the long run, it does really make sense to put some time and attention into improving your credit.

So, if you have less than perfect credit, what are your options for purchasing online?

The Buy Now, Pay Later Option

Let’s say you wanted to buy an Apple iPad 2. Instead of shelling out the cash upfront, you can simply choose to buy now and pay later.

Instead of paying a lump sum of $399, you can instead pay just $15.53 a month for 36 months. On the other hand, if you choose to pay it off sooner, you can be all done with your payments in 12 months if you’re willing to pay $45 a month.

Buy now, pay me later is essentially an installment loan program that allows you to pay for products you buy over time, rather than all at once.

Bill Me Later

This works rather similar to the above option. Instead of getting billed right away for your products, you get to delay payment.

For example, Walmart offers a 90 day no payment period when you use their Bill Me Later service. That means you can own whatever it was that you wanted to buy for three whole months before you have to start making payments.

After that, the payment schedule works a lot like the Buy Now, Pay Later options.

Installment Loans

If you’re buying furniture online or expensive electronics, stores will often allow you to pay in installments. Sometimes these installments won’t even have interest!

The Pros and Cons of These Options

There are a few pros and cons you should be aware of with these kinds of buying options.

The obvious benefit is that it increases your buying power. You might not be able to afford $1,000 today, but you can certainly afford $30 a month. You can get the things you want to get, without being bogged down by your credit.

The downside is that these kinds of loans can usually only hurt your credit rather than improve it. Most of these kinds of programs do not report to the credit agencies unless you’re delinquent.

In other words, you get hurt if you’re late, but get no benefit if you’re early.

Also, these kinds of programs can really hurt you by pushing you further into debt. If you already have high levels of debt, think twice before using such a program.

Other Options Available to You

If you’re making a major online purchase, consider using Peer to Peer lending sources like Prosper.com to get funding. You’ll get a much lower interest rate and you can actually improve your credit.

Alternatively, consider making your payments via a secured credit card. A secured card won’t increase your buying power, but it’ll increase your credit score in the long run.

Online shopping with bad credit isn’t difficult – You just need to know where to look.

5 Benefits Of Getting Bad Credit Home Loans Refinanced

If your credit report is bad, then getting a home loan can be difficult and expensive. The rate of interest charged will be high and you may need collateral for securing the loan. Sometimes, when you find the perfect house, even a bad credit cannot stop you from applying for the loan but you can always get the home refinanced loan when your fortune changes for the better and your credit rating improves. Given below are 5 benefits of refinancing bad credit home loans.

1. Lower interest rates – When you get bad credit home loans refinanced, the rate of interest is lower. As a result you will have to pay lesser amount every month and can save that money. To get you home refinanced loan, shop for a lender who approves homes loans to people with bad credit at low interest rates.

2. Lower Monthly payments – Review your credit score before you shop for lender. Assure yourself that your present scores are good enough for you to get the loan refinanced and lower rates of interest. You can use your scores to negotiate with the lender.

3. Don’t accept the first quote – The lender that you choose will give you a quote when you talk to him about refinancing. Remember that there are other things too, apart from your credit score, that will be taken into consideration at the time of offering you a quote on the loan. Things like your employment, stability with your job, your record while paying bills et al are all considered. When you do not accept the first quote given and negotiate, you will get a better offer that will be more beneficial to you.

4. Shopping for lenders – There are numerous lenders who offer good loan terms to consumers who are trying to get refinancing for bad credit home loans. The lenders need the business that you offer as much as you need the refinance. Therefore, shop around for a lender with whom you feel that you can satisfactorily conclude business before you sign the contract with one.

5. How does refinancing help? – There are many lenders who specialize in working with people who have low credit scores. Shop for such a lender as he is an expert on the details of refinancing loans. Such a lender will advise you how to get it refinanced and how it can be beneficial to you.

But before applying for a refinance, review your credit scores. If you have taken bad credit home loans, then work towards improving your score so that you get good offers of refinance. You will be in a position to negotiate with the lender for better rates of interest and can save money. These lower interest rates will result in lower monthly payments. If your contract permits, you can also work towards paying off your loan faster and own your home without any burden of loan.

You Can Get A Bad Credit Auto Loan, But What Then? Know Your Stuff Before You Start Shopping!

You know you need a bad credit auto loan. What do you do?

· Go from dealership to dealership hoping for the best, usually settling on whatever vehicle they push you into?

· OR get pre-approved and walk onto the car lot empowered and ready to do business on the vehicle of YOUR choice?

· Obviously getting pre-approved is the best way to go! Bad credit auto loans are available through some very good lenders.

But before you start shopping we’d like to offer you some good advice. But if you’re in a hurry you can go to our site 1-800BadCredit and go straight to our recommended lenders.

Know Your Credit History

Rates and terms will vary depending on your credit scores. This can mean the difference between a new vehicle or a used one; a vehicle with a lot of equipment or one that’s a little scaled back. Before you assume you need to deal with a creditor who specializes in bad credit, check your credit score.

Credit scores range from about 350 to 800. If you score is below 600 you fall into the “bad credit” range. This doesn’t mean you can’t get a loan, it just means you should probably get pre-approved through a bad credit auto loan bank before you start shopping for a vehicle.

A pre-approved auto loan from a lender who specializes in bad credit auto loans, might save you between 2% and 10% (I know this because I used to sell cars in Phoenix Arizona).

It’s a good idea to pull your credit every 6 to 12 months and go over it.

A Pre-Approved Bad Credit Car Loan Puts You In the Drivers Seat!

Regardless of your credit score, being pre-approved for an auto loan gives you more options when you walk onto the car lot. Once you’re approved for a car loan you are in the drivers seat! You are free to shop for the BEST vehicle in your price range!

You should pick the one that works best for your personality and needs.

Leave Room For Warranties and GAP Insurance

With all the computer equipment on cars nowadays what used to be a simple fix is now very complex. The average mechanic bill on a vehicle today can be over $400. And that’s for something simple like a window motor!

GAP insurance pays off the difference between what you owe on the vehicle and what the insurance company gives you if your car is totaled. This is a must have for any financed vehicle today!

Most bad credit auto loan lenders will give you “room” to put in these items. For instance, if they approve you for $10,000 they will really give you about $13,000 (as long as you are covering tax, title and fees and/or purchasing an extended warranty or GAP).

HOWEVER, each lender is different so you’ll want to ask if they are allowing for this kind of bump up before you start shopping. If they won’t then you will need to shop for a vehicle that is about $2,000 to $3,000 less than your approved-for amount so that you can purchase an extended warranty and GAP insurance.

Take Your Time And Find The Vehicle YOU Want At A Reasonable Price

Just because you have bad credit doesn’t mean you should be forced to buy the worst vehicle on the lot! If you’re shopping for a used vehicle ask them for a Car Fax report. If they won’t give you one then don’t buy the car. Always be an informed buyer!

Don’t shop for more vehicle than you’re approved for and think you’re going to negotiate it down to your pre-approved amount! The best way to know a good value on a used vehicle is to ask for a Kelly Blue Book sheet. A good price should fall between wholesale and retail price. Don’t let the lender sell you a vehicle for more than it’s real value! Make a reasonable offer of between wholesale/retail value and if they won’t do it then move on! Also, if they won’t share Kelly Blue Book information with you then leave and go somewhere else. That’s the power of pre-approval!

Another great feature to pre-approval is that the bad credit auto loan lender won’t let you have a car that falls outside the Kelley Blue Book “book value.” So if a dealer is trying to hustle you once he finds out you’re pre-approved (and won’t let him pull your credit to get you a loan himself), he’ll help you to find a vehicle that is safe, reliable, and not an overpriced rip-off!

Know Your Trade-In Value

Most bad credit auto loan banks will give you an estimate on what you’re vehicle is worth as a trade-in. Also you can check it out for yourself on kbb.com. But remember, Kelly Blue Book is just a tool. Car dealerships also look at auction reports to see what your vehicle is selling for on the open market in your area. Don’t let the dealership trick you into a low trade-in value, but don’t ask for the max either. Kelly Blue Book fair trade value is a fair price. If you can get more from a local source then by all means, go that route. But if trade value ranges fro $4,000 to $8,000 don’t ask for $8,000 (unless your car is a museum piece that’s never been driven it’s probably not worth the max amount).