Credit & Loans

  1. On This Day In Finance: May 29 - The Truth In Lending Act

    One of the cornerstones of consumer credit protection signed into law.
  2. The Bright Side Of The Credit Crisis

    Find out how this tough economic period can be a learning experience for all.
  3. Would You Lend Money To Uncle Sam?

    Recently, the credit quality of the United States has come into question, leaving taxpayers holding the bag.
  4. Understanding Mortgage Impound Accounts

    Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money.
  5. Personal Loans: To Lend Or Not To Lend?

    Attempting to help a loved one with a cash loan can put a strain on your relationship - and your bank account.
  6. How Carry-On Luggage Saves Vacation Dollars

    If you only have carry-on luggage, you can skip the cab and take public transportation to the hotel, such as subways, trolleys or buses.
  7. Will the New Credit Card Rules Impact Your Pile of Debt?

    With the Senate passing tougher credit card rules, the House likely to follow, and President Obama expected to sign it into law by the end of the month, the pile of credit card debt sitting on your balance sheet might not seem so bad and could possibly be getting better.
  8. Is Now The Best Time To Buy A Home?

    See how the recent downturn in the economy may have created one of the best buyer's markets in history.
  9. How Does The Economy Affect House Size?

    The better the economy, the bigger the house. But beware - everything that glitters isn't gold.
  10. Losing Your Job: From A To Z

    Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.
  11. 10 Hurdles To Closing On A New Home

    It's the biggest purchase of your life - find out what can go wrong before you even close the deal.
  12. Financial Infidelity: Are YOU A Cheater?

    These sneaky financial moves could erode your finances - and your relationship.
  13. 8 Steps To Teach Your Partner Household Finances

    Follow these steps to give your partner a clear picture of your household's financial situation and the confidence to take over.
  14. Protect Yourself From HELOC Fraud

    Identity thieves are using home equity lines of credit to commit their crimes.
  15. Why are credit cards able to charge such high interest rates compared to other lenders?

    A true financial horror story began on Halloween in 1978. On that date, the Supreme Court began hearing Marquette National Bank vs. First of Omaha Corp. The case appeared to be a simple conflict over which state laws govern the relationship between debtor or creditor - the state where the creditor is ...
  16. When is it a good idea to take out a loan to invest?

    The only time it makes sense to invest a loan is when the return on investment of the loan is high and the risk level of the investment is low. It is inadvisable for an investor to invest in a loan through a risky investment avenue, like the stock or derivatives market.
  17. Automating Your Bill Payments

    Automation can be a painless (and free) way to remove the stress of bill scheduling from your life - if you do it right.
  18. Business Startup Costs: It's In The Details

    Don't overlook the details when starting up a business. It's the small expenses that have the potential to make or break a great idea.
  19. The Pros And Cons Of Small Business Credit Cards

    Business owners have many financial tools at their disposal. Should a credit card be one of them?
  20. No Debt Forgiveness For The Tax Man

    Debt settlement sounds like a free lunch, but it has tax consequences.
  21. Which credit card company holds the honor of most profitable IPO?

    News of Visa's plans to go public created a buzz around Wall Street as soon as the papers were filed. The credit card giant cleaned out its closets - settling lawsuits and straightening out its accounting - in hopes of having the best IPO possible. MasterCard previously had raised $2.4 billion in 20 ...
  22. Laid Off? You Can Still Retire

    Joblessness is temporary, but neglecting your retirement savings has permanent consequences.
  23. The Fall Of The Market In The Fall Of 2008

    How did America's strong economy tumble so quickly? Find out here.
  24. Can't Sell Your Home? Rent It

    Find out how to profit from your property when the housing market dips.
  25. What does it mean when advertisers say that "financing is available"? Should I trust ...

    When an advertisement says "financing", it means that the seller is going to give you a loan on an item that you purchase. Making use of seller financing means that you're buying on credit. You do not have to pay for the item on the spot, but you are billed periodically by the seller for a portion of ...
  26. Credit And Debt Management

    America is addicted to debt. Learn how to manage your credit and keep debt from ruining your life.
  27. What is the history behind today's bankruptcy laws?

    Julius Caesar was emperor of Rome for a scant five months, but in that short time he changed the course of financial history. A lifelong debtor himself, Julius Caesar gave the world bankruptcy laws. The world's earliest bankruptcy laws were discovered on the obelisk containing Hammurabi's code, but Caesar's ...
  28. Collateralized Debt Obligations: From Boon To Burden

    CDOs were to be Wall Street's boon - instead they went bust. Find out what went wrong.
  29. Borrowing Smart In A Debt-Filled World

    Leveraging your money can have many perks, but it's not always the smartest financial plan.
  30. Too Much Debt For A Mortgage?

    Just because a lender is willing to offer you a loan doesn't mean you should take it.
  31. 8 Ways To Help Family Members In Financial Trouble

    Find out how to help the ones you love without hurting yourself.
  32. Different Needs, Different Loans

    Find out what options are available when it comes to borrowing money.
  33. What You Need To Know About Bankruptcy

    Don't choose this last-resort option until you learn how it will affect your future.
  34. The History Of Consumer Credit Rights

    The Fair Credit Billing Act of 1974 gave consumers the power to dispute credit card charges.
  35. What is the highest achievable FICO score?

    Your FICO score is used by creditors to determine the overall credit risk of any individual consumer. This score is calculated by using a proprietary tool developed by the Fair Issac Corporation (NYSE:FIC). Each major credit bureau in the United States - Experian, Equifax (NYSE:EFX) and TransUnion - ...
  36. The Reverse Mortgage: A Retirement Tool

    Discover another way to fund your retirement without having to make payments on a loan.
  37. State Laws Dictate Division Of Joint Property

    In breakup, divorce or death, community or common law will determine how property is divided.
  38. The Risks Of Mortgage-Backed Securities

    Find out how weighted average life guards against prepayment risk.
  39. I'm about to retire. If I pay off my mortgage with after-tax money I have saved, ...

    Only you and your financial advisor, family, accountant, etc. can answer the "should I?" question because there are many more factors that aren't in the assumptions you included, and a lot of them relate to your own gut feel. It would be easy if paying off a mortgage were ONLY just another investment.
  40. What are the benefits of an assumable mortgage?

    An assumable mortgage allows the purchaser of a property to assume the mortgage from the property's seller. The benefits of assuming a mortgage almost always stem from the buyer's ability to take on the assumed mortgage rate, which often is lower than prevailing market rates.
  41. Bankruptcy Protection For Your Accounts

    Will the plan assets you've worked hard for be safe if you experience a personal financial crisis?
  42. What Makes An M&A Deal Work?

    Do you know why companies merge? Here we'll take a look at three successful company acquisitions and why they succeeded.
  43. Is Your Teen Ready For A Credit Card?

    Find out how to determine whether your child is ready to handle this financial responsibility.
  44. How does the number of credit card accounts I have affect my credit score?

    Your credit score, which is also referred to as your FICO score, is a measure that creditors use to assess your potential credit worthiness. Generally speaking, the higher your credit score, the less of a credit risk borrowers will perceive you to be.
  45. What Was The Glass-Steagall Act?

    Established in 1933 and repealed in 1999, the Glass-Steagall Act had good intentions but mixed results.
  46. House Your Retirement With Self-Directed Real Estate IRAs

    Investors are now able to invest directly in real property, mortgages and other assets.
  47. What is a Ginnie Mae security?

    A Ginnie Mae, or Government National Mortgage Association security, functions similarly to the process of lending someone money to purchase a house or business. Ginnie Mae buys home mortgages from banks and financial institutions, bundles them together, and then markets portions of these bundles to investors.
  48. What is the difference between a non-recourse loan and a recourse loan?

    The essential difference between a recourse and non-recourse loan has to do with which assets a lender can go after if a borrower fails to repay a loan. As a matter of principle, borrowers almost always favor non-recourse loans, while lenders almost always favor recourse loans.In both types of loans, ...
  49. College Cost Reduction Act Helps Students Meet Payments

    This legislation can help families pay college costs and reduce student debt.
  50. You Can't Live On Love

    If your head is in the clouds, check out this down-to-earth financial advice for couples.
Save Money
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    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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