Credit & Loans

  1. Is A Reverse Mortgage Right For You?

    Home equity can be a viable financing alternative, but it depends on how you spend the funds.
  2. What Real Estate Agents Don't Want You To Know

    While they can be instrumental in helping you buy or sell a home, real estate agents may ulterior motives.
  3. Prepaid "Credit" Cards: Convenience At A Cost

    These cards offer convenience and security, but are they worth it?
  4. Is it wise to consolidate credit card debt?

    In most cases, credit card consolidation is a wise decision if you are able to get a lower interest rate with the new company at no or minimal cost to you. A credit card balance of $15,000 with a 19.9% interest rate could cost you as much as $2,985 in interest charges alone in a year if you continue ...
  5. How Credit Cards Built A Plastic Empire

    A decade before Mastercard or Visa existed, the first credit card company was introduced.
  6. What is PMI, and does everyone need to pay it?

    Also known as "Primary Mortgage Insurance," PMI is the lenders (banks) protection in the event that you default on your primary mortgage and no longer make payments and the home ends up going into foreclosure. When applying for a home loan, lenders typically require that a borrower provides a 20% down ...
  7. Your Financial Life: From Stressful To Stress-Free

    Find out how to get the ball rolling on your future financial security. Then sit back and watch things unfold.
  8. 4 Steps To Attaining A Mortgage

    It starts with knowing your choices as well as your price range. We show you how to get there.
  9. 8 Financial Tips For Young Adults

    You don't need an MBA to learn how to save money and invest in your future.
  10. 6 Tips For Protecting Your Home's Value

    New taxes, property values, appraisals, community changes and nearby abandoned foreclosures can all lower your home's value. Take proactive steps to protect it.
  11. How do I know if I should refinance my mortgage?

    The typical rule of thumb is that if you can reduce your current interest rate by 0.75-1% or higher then it might make sense to consider a refinancing move. First step is to calculate your monthly savings should you do the refinance, for example:Suppose you have a 30-year fixed rate mortgage loan for ...
  12. Would You Walk Away From Your Home?

    It's a tough choice, but some people will be forced to foreclose. Others won't. Find out which factors are likely to make the difference.
  13. Will jointly filing taxes have the effect of joining a couple's credit?

    The only thing that "joins" the credit of a married couple is the ownership of joint accounts. In other words, if there is a credit card, line of credit, mortgage or loan in both names or one party is an authorized user on one of the other person's account, then the credit report agencies include this ...
  14. Run Your Finances Like A Business

    Think of yourself as your own little company. To make it run smoothly, you need to take a look at your books.
  15. Foreclose On High Housing Prices

    Foreclosed homes may be financially appealing, but there are many obstacles to consider before buying.
  16. New Credit Scoring Forgives Small Debt

    FICO 08 means that certain types of old debt won't affect your credit score, but it's not all good news.
  17. Financial Mistakes That Could Haunt You Forever

    Learn from others and don't fall prey to these financial pitfalls.
  18. Are You Living House-Poor?

    Budgeting your living expenses doesn't have to put you in the poor house. Read on for some tips on efficient money management.
  19. Top 6 Scariest Neighborhoods For Homebuyers

    If you're looking for a spooky spot this Halloween, these communities boast the most horrifying foreclosure rates in the country
  20. Score A Cheap Mortgage

    Hidden costs can create what looks like a good deal. Find out how to find the best mortgage possible.
  21. Payday Loans Don't Pay

    Hold too tightly to this rescue line and you'll soon be drowning in debt.
  22. Lending Clubs: Better Than Banks?

    If you need to borrow money and your credit is making it tough, this new option may be just what you're looking for.
  23. Are College Students Passing Recession 101?

    The recession is a wakeup call for students in post-secondary schools.
  24. Conquering The Terms Of Your Mortgage

    Buyers with big down payments should get the best mortgage terms. Unfortunately, the equation isn't that simple.
  25. Bankruptcy Filing Changes That Could Affect You

    When the economy is down, more people file for bankruptcy. Make sure you know about the changes that have been made to this process.
  26. 4 Retirement Reality Checks

    If you hope to enjoy a comfortable retirement, it's time to get real. Here are four cold, hard truths every soon-to-be retiree must face.
  27. You CAN Afford To Study Abroad

    Before you jump on the plane, understand the rules and regulations in place. Then, enjoy your time studying aborad!
  28. 6 Financial Moves That Sound Good - But Aren't

    Have you weighed the consequences of your choices against their apparent benefits? In many cases, the answer is no.
  29. If my spouse passes away, will I have to sell my home to meet creditor obligations?

    There are laws that can protect, to a certain extent, the value of a home from property taxes and creditors following the homeowner's death. A homestead exemption is a legal doctrine preventing the forced sale of a home and protecting the home's value from property taxes and creditors.
  30. Retirement Savings Tips For 25- To 34-Year-Olds

    Keep saving when mortgages, marriages and debt demand your attention.
  31. Identity Theft: Who To Call For Help

    If your identity is stolen, it's critical to act fast. Find out what to do if it happens.
  32. 6 Steps To Personal Economic Recovery

    Take charge of your finances and make them work for you.
  33. The New Mortgage Business: More Than Just Loans

    Many mortgage brokers adapted to the post-subprime environment by becoming loan modification specialists.
  34. Student Financial Aid Changes: FAFSA 2009

    The Free Application for Federal Student Aid got an upgrade in 2009. All those applying should be aware of these improvements.
  35. Equity Stripping Leaves Creditors Empty-Handed

    Add additional debt to your real estate assets to keep the creditors at bay.
  36. Take Advantage Of Your Rewards (Card)

    Know which credit card rewards program is right for you before signing up.
  37. A Day Without Spending, A Lifetime's Worth Of Lessons

    Financial guru Suze Orman once challenged her fans to go a day without spending any money. Here are the lessons learned from this exercise.
  38. A $50,000 House - But At What Cost?

    It sounds like a great deal for a house, but you may have to sacrifice some of the items on your wish list to get it.
  39. What are the benefits of credit ratings?

    Credit ratings are an important tool for borrowers to gain access to loans and debt. Good credit ratings allow borrowers to easily borrow money from financial institutions or public debt markets. At the consumer level, banks will usually base the terms of a loan as a function of your credit rating, so ...
  40. Understanding The Mortgage Payment Structure

    We explain the calculation and payment process as well as the amortization schedule of home loans.
  41. 7 Expenses That Are Keeping You In Debt

    The average American family is nearly $11,000 in debt. Here are seven expenses that might be keeping you in the red.
  42. Savvy Student-Only Back-To-School Discounts

    Whatever a student needs, there's a discount for it. Most of the time all you have to do is flash a valid student ID card to get a bargain.
  43. All About Student Loans

    Student loans bridge the gap between college savings, scholarships and the part-time work.
  44. Banking Stress Tests: Would Yours Pass?

    In weaker economic times, banks may be tested by the government to see how safe they are.
  45. Recession Dates: Romantic Vs. Repugnant

    You can save money on a date, but there's a right way and a wrong way to do it.
  46. A Brief History Of Credit Rating Agencies

    Credit rating agencies have a long history in this country. Learn about what they do and how were they developed.
  47. 10 Tips For Buying A Car Online

    GM's announcement to sell cars online via eBay has many consumers curious - find out how to purchase online successfully.
  48. Real Estate Bargains: Location Is Everything

    For the U.S. median house price, you can live in a mansion or a closet, it all depends on location.
  49. $46 Billion Industry Of Philanthropy

    Philanthropic giving is not just about money - millions of volunteers donate their time to worthy causes every year.
  50. 3 New Threats For Would-Be Homeowners

    While depressed real estate prices have created bargains for buyers, these lower prices come at a cost.
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.
Trading Center