Personal Finance FAQs

  1. What's the average salary of a human resources (HR) specialist?

  2. How do I find out my bank's bid-ask spread for currency conversions?

  3. Do minimum wage laws make labor a fixed or variable cost?

  4. What is the difference between APR and APY?

  5. Do lenders offer floating APRs?

  6. What are common factors that lower your net worth?

  7. What are the reasons that cause investment bankers to fail in their careers?

  8. How should you choose the amortization period for your mortgage?

  9. What is the key to finding your ideal mortgage?

  10. What's the average salary of a bank teller?

  11. What are the pros and cons of digital gift cards (e-gift cards)?

  12. What US banks offer free checking accounts?

  13. How did the ABX index behave during the 2008 subprime mortgage crisis?

  14. What's the average salary of a business operations manager?

  15. What's the average salary of an operations research analyst?

  16. What's the average salary of a compliance officer?

  17. What's the average salary of someone with a finance major?

  18. What's the average salary of a bill collector?

  19. What are the reasons that cause financial advisors to fail in their careers?

  20. What's the average salary of an audit clerk?

  21. What's the difference between a grace period and a deferment?

  22. What are the advantages of applying for a private student loan with a creditworthy cosigner?

  23. What is the difference between certified and non-certified private student loans?

  24. What is the difference between student loan default and delinquency?

  25. What are the pros and cons of consolidating my student loans?

  26. What's the difference between debt consolidation and debt management or debt settlement?

  27. What are some examples of good situations in which to use revolving credit?

  28. What are my rights under the Fair Debt Collection Practices Act (FDCPA)?

  29. What's the difference between debt consolidation and debt settlement?

  30. What are some examples of credit report errors that I can dispute?

  31. What’s the difference between a consumer disclosure and a credit report?

  32. Will a debt settlement program affect my credit score?

  33. How does refinancing my mortgage affect my FICO score?

  34. How does applying for student loans hurt my credit score?

  35. What's the difference between a credit rating agency and a credit bureau?

  36. Do I still owe debt collectors for a debt that's past the statute of limitations for my state?

  37. What are the main categories of debt?

  38. What legal action can I take against a debt collector?

  39. What are the differences between balance-to-limit ratio and debt-to-income ratio?

  40. How do secured credit cards help me build my credit score?

  41. What are some examples of a good time to take out a payday loan?

  42. In what states are high-cost payday loans illegal?

  43. What is the difference between an in-store and an online payday loan?

  44. What are some examples of common credit card reward program benefits?

  45. What are some tips for getting the most out of my credit card rewards program?

  46. What transactions cannot be made using prepaid credit cards?

  47. What are some examples of sneaky credit card charges to watch out for?

  48. How can I avoid paying unnecessary credit card fees?

  49. What's the difference between credit score and credit history?

  50. How do I start building a credit score?

  51. Does every inquiry affect a credit score?

  52. What special powers does the government have to collect student loans?

  53. What are the most common sources of funds given in a financial aid award letter?

  54. What factors do schools consider when awarding financial aid?

  55. What are some examples of overdraft protection?

  56. How do I get my free credit report and score from each credit bureau?

  57. When does the statute of limitations clock start on my debts?

  58. What debts don't have a statute of limitations applied to them?

  59. How can I increase my FICO score?

  60. Can I keep my credit cards after filing bankruptcy?

  61. Can I still use my credit cards if I'm on a debt management program?

  62. How long do typical debt management plans take to pay off debt?

  63. Does interest on my student loan accumulate during forbearance?

  64. Will my student loan be canceled (discharged) if I die?

  65. Why are private student loans generally more expensive than federal loans?

  66. Who is eligible to take out federal student loans?

  67. Can a business charge me an extra fee for paying with my credit card instead of cash?

  68. Are debt collectors allowed to call me at work?

  69. Should I apply for student loans if I haven't finished applying for scholarships and grants?

  70. What are some examples of 'gray' charges on my credit card statement?

  71. Are 'gray' credit card charges legal?

  72. Will using an overdraft hurt my credit score?

  73. Why should I register a prepaid credit card?

  74. What information do lenders need when I apply for a credit limit increase?

  75. What are some common catches that come with credit card reward programs?

  76. How long does information stay on my credit report?

  77. How will accepting a higher credit card limit affect my credit score?

  78. How often is my credit score updated?

  79. Does cosigning a loan affect a credit score?

  80. Do inquiries for preapproved offers affect my credit score?

  81. Why don't I have a credit score?

  82. Can debt collectors add fees to my debt?

  83. Is my credit score usually checked before receiving a payday loan?

  84. Do payday loans hurt my ability to get a mortgage?

  85. How can I improve my chances of getting a credit limit increase?

  86. Where is the cost of living lowest in the U.S?

  87. What are the requirements for an FHA loan?

  88. What is the difference between a prepaid credit card and a gift card?

  89. What are the requirements to apply for a reverse mortgage loan?

  90. What alternatives are there to a reverse mortgage?

  91. What effect will a prenuptial agreement have on a 401(k)?

  92. Can 529 plans be used to transfer wealth to other family members if the original beneficiary does not use the money?

  93. What are the best ways to invest in mortgage-backed securities (MBS)?

  94. What's considered to be a good debt-to-income (DTI) ratio?

  95. How does Fannie Mae (FNMA) make money?

  96. If I want to have some cash in a liquid account for unexpected emergencies, what is best? A savings account or another type?

  97. What is the difference between a credit report and a credit score?

  98. What credit cards offer the lowest interest rates?

  99. Your client, Todd, owns 100 shares of HAT stock in his taxable stock portfolio ...

  100. Price taker markets differ from price searcher markets because in a price taker market ...

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