Personal Finance FAQs

  1. How much money should I have in a savings account?

  2. How does the number of credit card accounts I have affect my credit score?

  3. What are some historical examples of debt securitization?

  4. Are personal loans bad for your credit score?

  5. How does a cost-of-living adjustment (COLA) affect my salary?

  6. If I am looking to get an investment banking job, what education do employers prefer? MBA or CFA?

  7. What kinds of financial analysis jobs are there?

  8. What's a better way to borrow money: overdraft or credit cards?

  9. Can I get a balance transfer if I have bad credit?

  10. Do mortgage escrow accounts earn interest?

  11. How does Sallie Mae disburse funds?

  12. Can the Best Buy credit card be used anywhere?

  13. How can I find an investment club in my area?

  14. How is interest charged on most lines of credit?

  15. What's the difference between credit reports and investigative consumer reports?

  16. How do balance transfers affect my credit score?

  17. When is a balance transfer a good idea for paying off debt?

  18. Can Sallie Mae loans be forgiven?

  19. How reliable are Glassdoor salaries?

  20. What is the difference between an investment and a retail bank?

  21. What is the difference between a savings & loan company and a bank?

  22. What does it mean when interest "accrues daily?"

  23. How long does it take for items to show up on my credit report?

  24. When is it a good idea to take out a loan to invest?

  25. What are the biggest factors that can affect my credit score?

  26. What are the best ways to rebuild my credit score quickly?

  27. How will debt settlement affect my credit score?

  28. What is the difference between a state and a federally chartered credit union?

  29. What is a Ginnie Mae security?

  30. What's the difference between a balance transfer and a cash advance?

  31. What are some examples of simple interest loans?

  32. Is it possible to get a free credit report from Equifax?

  33. How long does it take a check to clear?

  34. When buying a car, is it better to have a trade in or a down payment?

  35. Will having several credit cards hurt my credit score?

  36. What is the difference between available credit and credit limit?

  37. Can I use a prepaid credit card to pay bills or to transfer money to other accounts?

  38. How can I tell if a loan uses simple or compound interest?

  39. What are the differences between delinquency and default?

  40. Are Sallie Mae loans considered federal loans?

  41. How do mortgage lenders check and verify bank statements?

  42. What's the average salary of a loan officer?

  43. What is the difference between a demand deposit and a term deposit?

  44. Why should I pay myself first?

  45. What are the requirements for opening a savings account in the United States?

  46. What does it mean when advertisers say that "financing is available"? Should I trust them to give me a good deal?

  47. What are the most common reasons credit limit increase requests are declined?

  48. Is a home equity loan a good way to pay off my credit card debt?

  49. What's the difference between a grace period and a moratorium period?

  50. How can a creditor improve its Average Collection Period?

  51. How do mortgage lenders verify employment?

  52. What's the average salary of a market research analyst?

  53. What are the pros and cons of overdraft protection?

  54. What's the difference between a secured line of credit and an unsecured line of credit?

  55. How do commercial banks make money?

  56. What is the difference between "closed end credit" and a "line of credit?"

  57. How can I cancel a bank draft that I have purchased?

  58. What is the difference between a non-recourse loan and a recourse loan?

  59. What is the difference between continuous compounding and discrete compounding?

  60. What are the differences between revolving credit and installment credit?

  61. How is the minimum payment on a credit card calculated?

  62. Can a debt collector contact me about a debt that's no longer on my credit report?

  63. Can student loans be used to pay rent?

  64. What is a typical day in the life of a stockbroker, from start to finish?

  65. How does interest work on a cash advance from my credit card?

  66. What are the differences between debit cards and credit cards?

  67. What is the difference between a buy-side analyst and a sell-side analyst?

  68. What is the difference between a correspondent bank and intermediary bank?

  69. Will Netspend cards let you overdraw your account?

  70. What should you bring to a bank to open a checking account?

  71. Does paying my utility bills on time improve my credit score?

  72. What is the difference between an interest rate and an annual percentage rate (APR)?

  73. What is the difference between a loan and a line of credit?

  74. What is the difference between secured and unsecured debts?

  75. How does your checking account affect your credit score?

  76. Can you use your Walmart credit card at Sam's Club?

  77. What happens when my bank account is debited?

  78. How is my credit score calculated?

  79. Does inflation favor lenders or borrowers?

  80. What's the Difference Between FHA and Conventional Loans?

  81. What is the difference between a Nostro and a Vostro account?

  82. Should I pay my mortgage with my credit card to earn credit card rewards?

  83. How can I purchase stocks directly from a company?

  84. Is it possible to take the Series 6 exam without being sponsored?

  85. How do university endowments work?

  86. I want to invest my emergency fund to earn interest. What is a relatively safe and liquid investment I can easily withdraw from if disaster struck?

  87. What is the difference between overdraft and cash credit?

  88. What is the difference between tier 1 capital and tier 2 capital?

  89. Which is better, a fixed or variable rate loan?

  90. What is the difference between compounding interest and simple interest?

  91. What's the difference between a bank guarantee and a letter of credit?

  92. What is the difference between Magna Cum Laude and Summa Cum Laude?

  93. Why Do Most of My Mortgage Payments Start Out as Interest?

  94. What is the 1003 mortgage application form?

  95. How Many Mortgage Payments Can I Miss Before foreclosure?

  96. Do Mortgage Lenders Work on Weekends? (WFC)

  97. What’s the Difference Between a Mortgage Lender and a Mortgage Servicer?

  98. How does my debt-to-income (DTI) ratio affect my ability to get a mortgage?

  99. If My Mortgage Lender Goes Bankrupt, Do I Still Have to Pay My Mortgage?

  100. What are the different types of subprime mortgages?

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