Credit & Loans

  1. What loans do and don't have an APR?

    Learn about what annual percentage rates (APR) are and what they mean. Explore different fixed and variable APRs charge by ...
  2. How American Express Counts on Your Profligacy

    Consumers like novelty, reliability, variety, and other subjective qualities. But what really keeps them coming back to American ...
  3. What is a bank's legal liability when issuing a letter of credit?

    Learn the responsibility of banks that issue letters of credit Letters of credits ensure payment on transactions between ...
  4. When are you legally required to get a letter of credit?

    Learn how exporters or importers who deal in international trade use letters of credit to ensure that transactions are safe, ...
  5. Best Credit Cards For 2015

    The best credit card for you depends on your financial goals. Our choices for the best cards in 4 different categories.
  6. Undervalued Franchises: The Best Choice?

    Searching for an undervalued franchise? Here's a quick guide to what's hot and what's a good bet.
  7. How Bad Is My Credit Score?

    You've seen the number, but what does it mean? Here's how to assess your credit score and get to a better place if needed.
  8. Credit Card Review: The Target REDCard

    Target's credit cards provide direct discounts, charge no fees, and give a surprising education bonus to local schools. But ...
  9. Are You Spending Too Much?

    Post-holiday credit card bills are just one signal that it's time to cut back on spending. Here are others.
  10. What are the pros and cons of owning an equity REIT versus a mortgage REIT?

    Learn about investing in equity, mortgage and hybrid REITs. Explore the different strategies REITs employ to generate income ...
  11. What is the debt ratio for an FHA loan?

    Borrowing through the Federal Housing Administration requires individuals to provide proof of income as well as information ...
  12. What factors should I consider when shopping for the best mortgage lender?

    Comparing lenders to obtain the best mortgage loan requires research and willingness to shop around for the best loan to ...
  13. What are common factors that lower your net worth?

    Net worth is determined by calculating financial assets versus liabilities. As the liabilities increase versus the assets, ...
  14. P2P Loans: Consider the Payoffs; Assess The Risks

    The available data seems to indicate that P2P loans, although risky, promise great payoffs, and the prospects of good returns ...
  15. Understanding Credit

    Credit has three common meanings in the financial world.
  16. How Foreign Transaction Fees Work

    Using a credit card when you travel can be costly. Here's what you need to know about foreign transaction fees – plus tips ...
  17. Buying A House? Avoid These 7 Mistakes

    Owning your own home gives you a feeling of independence that renting can’t offer, and there are big financial benefits, ...
  18. American Express: Headwinds and Tailwinds

    Any investors considering a position in American Express need to know these important facts.
  19. Should Your Retiring Clients Pay Off A Mortgage?

    Should your retiring clients pay off their mortgages? It's more complicated than 'yes' or 'no,' so here's a quick guide.
  20. Pros and Cons Of The My Best Buy Credit Card

    If Best Buy is your home away from home, a Best Buy credit card may pay off for you. Otherwise, a cash back card may be the ...
  21. Gold Vs. Platinum AmEx Card: Which Is For You?

    A close look at the benefits – and fees – of these two levels of shining "metal" cards from American Express.
  22. Paypal Vs. Credit Card: Which Is Safer?

    Does using PayPal help protect you against identity theft – or does it just add yet another place where cyber thieves can ...
  23. Where To Get A Mortgage If You Have Bad Credit

    Here's where to go if you have a low credit score and still want a mortgage.
  24. Credit Cards That Get You Into Airport Lounges

    These four credit cards will gain you coveted access to all that free food and peace, while your fellow travelers mill around ...
  25. 5 Ways To Get The Best Mortgage Rates

    A mortgage is the biggest loan most people have. Be sure you get the best possible terms – you'll be paying it off for years.
  26. Is it a good idea to add a reverse mortgage to your retirement strategy?

    A reverse mortgage can be a great way to increase retirement income. Does it work for everyone? What happens after a homeowner ...
  27. Why Credit Karma Is Free & How It Makes Money

    Credit scores originally were built for lenders, but now Credit Karma makes the system work for consumers, too – and makes ...
  28. Picking A Lender: Quicken Loans Or A Local Bank?

    Online mortgage lender Quicken Loans has become known for its convenience and customer service. But brick-and-mortar banks ...
  29. Quicken Loans Vs. Other Mortgage Sources

    By allowing customers to initiate and manage the mortgage process online, Quicken Loans may appeal to borrowers who value ...
  30. How do I use the debt ratio to decide when to invest in a company?

    Understand the calculation and interpretation of the debt ratio and how this metric is used by investors to analyze a company's ...
  31. How can a reverse mortgage help wealthy and poor retirees?

    Learn about the ways a reverse mortgage can help both wealthy and poor retirees by allowing them to borrow against their ...
  32. Top Credit Cards With No Foreign Transaction Fee

    Don't get stuck paying extra fees on purchases you make with with foreign currency when you travel outside the U.S.
  33. Top Credit Cards For Airline Miles

    Which airline miles cards give you the best deals?
  34. Why is due diligence important before a company acquisition?

    Learn about due diligence and company officials' fiduciary duty. Explore the ill-fated acquisition of Countrywide Financial ...
  35. Find The Best Cash Back Credit Cards

    Cash back credit cards let you spend your rewards on whatever you choose – rather than limiting you to travel benefits or ...
  36. How Many Credit Cards Do You Carry in Your Wallet?

    With the abundance of credit card offers in mailboxes, advertised on TV and offered at retail stores, it's no wonder Americans ...
  37. How should you choose the amortization period for your mortgage?

    Read about key considerations that homeowners should take into account before choosing the amortization period for their ...
  38. The Very Best Credit Cards For Your Teen

    In today's credit-oriented world, kids should learn to use credit before they go to college. Here are some good cards to ...
  39. What is the key to finding your ideal mortgage?

    Learn what steps you need to take in order to locate the perfect mortgage for your budget, lifestyle and long-term financial ...
  40. How Do Americans Keep Minimizing Their Net Worth?

    It can be great to live in the moment, but the actions and decisions you make now can greatly impact your sense of financial ...
  41. What does the gearing ratio say about risk?

    Find out why lenders and investors pay close attention to a firm's gearing ratios, and why both too much and too little borrowing ...
  42. CapitalOne Quicksilver Vs. Citi Double Cash

    One offers higher rewards; the other has good rewards and is better if you travel and more generous on cash advances. Choose ...
  43. This Is An Alternative Investment You Didn't Know

    The trick isn’t to buy the stock of the San Francisco-based LendingClub — it’s to become an investor in the loans the company ...
  44. 5 Things Debt Collectors Can't Do To You

    You may owe money, but you still have rights. There's a long list of things debt collectors are banned from doing to you. ...
  45. What is the difference between the gearing ratio and the debt-to-equity ratio?

    Dive deeper into gearing ratios: what are they, how are they used and why the debt to equity ratio is one of the most popular ...
  46. How To Beat Off A Zombie Debt Collector

    Sounds like a bad horror movie, but it really could happen to you. Here's how to identify zombie debt and send collectors ...
  47. Inside Secrets Of The Debt Collection Business

    Understanding how the debt collection business works will give you a better chance of coming out ahead if you ever have to ...
  48. How To Push Back Against A Debt Collector

    Debt collectors can be professional or nasty beyond belief. Here's how to fight back – and what your rights and obligations ...
  49. Top Credit Card Options For International Students

    It's tough to get a credit card when you move to the U.S. with no Social Security number and no American credit history. ...
  50. Money-Saving Tax Breaks For College Grads

    Even if you graduate from college with a heavy debt load – especially if you do – use these tax benefits to ease your transition ...
Save Money
  1. 5 Ways To Make Your Home Remodels Pay Off

    Here are five ways to make your home renovation worth the money and effort you put into it.
  2. Differences Between Private Foundations And Public Charities

    Here's a look at the differences between these types of charitable organizations.
  3. How To Monetize Your YouTube Channel

    YouTube's Partner Program helps users earn money through their channels. Find out how.
  4. The World's Most Valuable Private Companies

    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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