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Arit John Phone: 909-784-2468

Arit John received a degree in English Literature and creative writing from UCLA, where she worked as a writer and columnist for the Daily Bruin.

Following graduation, Arit spent a summer writing tweets and Facebook posts for a luxury housewares brand before heading to Iceland for three months. There she wrote news and feature stories for The Reykjavík Grapevine, the country’s largest English language weekly.

In addition to covering lending news, Arit also handles’s marketing. As a recent graduate saddled with student loans, she hopes to cover stories that directly impact people’s lives.

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Experts recommend limiting your car loan term to 48 months or less, but there are some benefits to choosing a longer term length. In the last quarter of 2012, the average duration of an auto loan term was 65 months, or nearly five and a half years. Seventeen percent of auto loans issued that quarter lasted 73 to 84 months. These longer, subprime auto loans are a result of increased competition among financers to draw in more customers and increase profits. Longer auto terms mean smaller...
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Federal regulators have announced that they are imposing new regulations on direct-deposit advances, a short-term loan service offered by some major banks. Regulators have compared the advances to payday loans, in that both services don’t vet a borrower’s ability to repay a loan, have a very quick turnaround, charge high interest rates, and are difficult to repay for some borrowers. Banks argue that their advances are a better alternative to payday loans, but the Consumer Financial Protection...
With college prices constantly on the rise and students graduating with an average of $26,000 in student loan debt, deciding how aggressively to pay off that debt is one of the first major financial decisions recent graduates make. Every situation is different, depending on a person’s starting salary, savings and student loan balance, but the rule of thumb is that you should save first and pay off debt later. Save up first There are two kinds of savings to consider: emergency funds and...
Federal regulators are preparing to crack down on short-term, high-interest loans, according to recent reports from the New York Times and the Washington Post. Storefront and online payday loan lenders will not be targeted in their new regulation. Instead, regulators are going after payday lenders’ big bank counterparts. Big banks offer short-term loans with similarly high interest rates. Wells Fargo charges $1.50 for every $20 borrowed, which can amount to a 300 percent APR. The proposed...
Bitcoin has been called everything from a Ponzi scheme to the beginning of the third wave of currency. The creation of an anonymous coder operating under the pseudonym Satoshi Nakamoto, bitcoin is a private, decentralized digital currency best known for its fluctuating, bubble-like price. It is “mined” by a network of computers that calculate complex equations and consists of a single string of text. When it launched in 2009, each bitcoin traded under one cent. Within the last two years, the...
cyber security
Small businesses have become a key target for cyber criminals, according to a report by Symantec. The security software firm found that 51 percent of all cyber attacks against businesses hit companies with less than 2,500 employees. Thirty-one percent of those attacks were against businesses with less than 250 employees. At the same time, the report found that small businesses are unlikely to see themselves as targets for cyber attacks. Sixty-six percent of small business owners were not...


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