Credit & Loans

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  1. Why Your Credit Report Errors Will Now Be Easier To Fix

    Equifax, Experian and TransUnion have reached an agreement to make changes to how they handle credit report errors and unpaid ...
  2. Understanding Credit Risk

    Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt.
  3. Studying In The United States: New York City

    Advice for international students on how to budget if you want to go to college in New York City.
  4. Should commercial and investment banks be legally separated?

    Find out why market risk isn't created by letting commercial and investment banks merge; it results from moral hazard and ...
  5. Getting A Mortgage After Bankruptcy Or Foreclosure

    Millions of Americans had homes foreclosed and millions more went into bankruptcy. Here are the necessary qualifying steps ...
  6. Why Do Credit Cards Expire?

    Credit cards expire for more reasons than you could imagine – including, so you don't forget you have the card.
  7. Will Itemized Deductions Get You A Bigger Refund?

    April and taxes are due soon. If you need to file your return, you might have to decide if itemizing your deductions this ...
  8. When did people first start using collateral to secure loans?

    Read about the history of lending and collateral, including a time when an entire nation was pledged as collateral for all ...
  9. What are the implications of a low Federal Funds Rate?

    Find out what a low federal funds rate means for the economy. Discover the effects of monetary policy and how it can impact ...
  10. How are net exports influenced by the crowding out effect?

    Discover how an increase in U.S. government borrowing to finance deficits can influence the net exports of U.S. companies ...
  11. Does the bank set up an escrow account for the buyer and seller in a home sale?

    Learn about the process of escrow and who is responsible for setting up escrow accounts for the buyer and seller in the purchase ...
  12. Meet The Company Behind Your FICO Score

    There are other credit scores that evaluate lending risk, but FICO is still the choice of most U.S. lenders.
  13. How can a creditor improve its Average Collection Period?

    Read about some of the ways that a business can improve its accounts receivable management practices to shorten its average ...
  14. How MasterCard Likely Earned a Spot in Your Wallet

    An in depth look at MasterCard and its future prospects as an investment.
  15. How does the bank profit off of escrow accounts?

    Discover the truth behind escrow accounts and the bank's profits. Are these accounts worthwhile or just another way for the ...
  16. Save $30,000 For A Home Down Payment In 5 Months

    Before tackling mortgage rates, home maintenance costs and utilities, every home buyer must first gather the funds for a ...
  17. The Tangled Web of Interest Rates, Mortgage Rates, And The Economy

    The article looks into the interwoven relationship between the economy, interest rates, and mortgage rates.
  18. 6 Ways To Build Credit Without A Credit Card

    It's definitely possible – if a bit more complicated – to build a credit history without traditional credit cards. Just follow ...
  19. The First Thing You Should Do With Your Tax Refund

    Nobody likes to pay taxes, but everyone loves to get a tax refund. When the check arrives in the mail, it's hard to resist ...
  20. Studying in the United States: Boston

    With more colleges than most cities, Boston is a mecca for students from around the world. Here's what to budget to study ...
  21. How can I tell if a loan uses simple or compound interest?

    Learn the differences between simple and compound interest and how you can use mathematical calculations and lender disclosures ...
  22. What are the primary advantages of using mezzanine financing?

    Learn how certain businesses can use mezzanine financing as a source of funding for company growth, and understand its potential ...
  23. Studying in the United States: Chicago

    Would you enjoy going to college in Chicago? Here's what it's like to study and live in the Windy City.
  24. Who manages an escrow account?

    Managing an escrow account is a job for a trusted and experienced service provider. Discover the best personal finance solutions ...
  25. How can investors use trends in the unemployment rate to evaluate the outlook of ...

    Learn the effect of the unemployment rate on credit services companies, and why this is a key metric to consider when investing ...
  26. What are key government regulations that affect investing in the banking sector?

    Discover how the global financial crisis of 2008 changed the face of banking in the United States and around the world by ...
  27. To what extent do banks have exposure to different business lines?

    Learn how banks are exposed to risk and what the different types of exposure mean. Find out about the 2014 U.S. commercial ...
  28. Were collateralized debt obligations (CDO) responsible for the 2008 financial crisis?

    Learn what role collateralized debt obligations, exotic financial instruments that can be difficult to understand, played ...
  29. Getting A Mortgage When Building Your Own Home

    It's much harder to get a loan when you're building a home, not moving into one. Here's where to look and what to expect.
  30. What are the best ways to pay off my mortgage quickly?

    Learn how mortgage payments may be reduced and how to save thousands on mortgage loans by lowering the interest and principle ...
  31. What are the main reasons an investor should consider an allocation to the banking ...

    Learn about investment opportunities in the commercial and investment banking industry. Find out why many investors choose ...
  32. Understanding Loan-to-Value Ratio

    Loan-to-value ratio (LVR) is a tool used to evaluate the risk in a collateralized loan, usually a mortgage loan.
  33. Cash Back, Miles or 0% APR: Comparing Card Perks

    Consumers have a lot of choice these days when it comes to credit card rewards, including cash back, airline miles and introductory ...
  34. Terrible Credit Score? Try These Credit Cards

    When your credit is less than stellar you have fewer choices. But some are still better than others. Here's our read on which ...
  35. Is Now the Right Time to Buy a House?

    Thinking of buying a home? Consider these factors first.
  36. Is An MIT Education Worth the Tuition?

    An education from MIT may look pricey on the surface, but the earning potential of graduates means it's usually a very solid ...
  37. JPMorgan vs. Goldman Sachs: A Tale of Two Stocks

    The performance of JPMorgan and Goldman has been impressive, but one has a slight edge.
  38. Barclaycard Arrival Plus World Elite Master Card

    Should you pay the annual fee (waived the first year) for this rewards travel card? See how it compares.
  39. What is a combined loan to value ratio?

    Learn what combined loan to value is, why it is important and how lenders use it, along with other ratios, to assess the ...
  40. What are the primary disadvantages of using mezzanine financing?

    Learn how certain companies can use mezzanine financing as capital for rapid growth, and discover the caveats that might ...
  41. Is PayPal's Credit Card Worth Getting?

    You can use PayPal with credit cards from many issuers. But now you can also use a PayPal card – and apply the rewards directly ...
  42. What are the pros and cons of a simple-interest mortgage?

    Learn the difference between a simple interest mortgage and a standard mortgage, along with their relative advantages and ...
  43. Why These Are 2015's 10-Best Financial Stocks

    If you're going to invest in the financial stocks, these names need to be on your radar.
  44. What are the Five C's of Credit?

    The five C’s of credit are what banks and other lenders evaluate about a potential borrower when making a lending decision. ...
  45. Venezuela Teeters On Edge As Oil Revenues Shrink

    Low oil prices have drastically revised the economic status quo -- dealing a destabilizing blow to oil-exporters like Venezuela ...
  46. Surprising Ways A Mortgage Affects A Credit Score

    It takes a good credit score to get favorable mortgage rates. Then, how you pay a mortgage will shape your score – just having ...
  47. 4 Signs You're Headed For Financial Trouble

    Here are some warnings that you could be in over your head financially – and how to fix the situation before it's too late.
  48. BillGuard Vs. Mint Vs. SigFig Vs. Personal Capital

    Which of these financial apps deserves a place on your mobile? That depends on your needs and how sophisticated you want ...
  49. What is industry etiquette for number of days payable outstanding (DPO)?

    Read about what constitutes an allowable threshold for days payable outstanding, and why creditors and debtors often have ...
  50. How can I invest in credit card companies?

    Learn about the different ways to invest in credit card company stock as well as the advantages and drawbacks of each investment ...
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Save Money
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  3. How To Monetize Your YouTube Channel

    YouTube's Partner Program helps users earn money through their channels. Find out how.
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    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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