Credit & Loans

  1. 10 Money Scams Aimed At Senior Citizens

    The older people get, the more vulnerable they become to fraud. Here are 10 scams to watch out for -- with FBI tips on how to avoid becoming a victim.
  2. 3 Dumb Ways to Borrow Money

    Money — everyone needs it, but not everyone has it. Many people who find themselves in a financial bind aren’t left with many options, and sometimes applying for a loan isn’t realistic. The most accessible methods of getting quick cash come with a high cost, but those who need money badly won’t mind.
  3. Tying the (Financial) Knot: 5 Must-Ask Questions for Couples

    In her latest personal finance post, Jessie Szymanski takes a closer look at a major cause of conflict in American marriages. Here are five things you must discuss with your significant other before taking the plunge.
  4. The Pros And Cons Of The Mortgage Interest Deduction

    Perhaps the most highly-debated “benefit” to owning a home is the mortgage interest deduction.
  5. What $200,000 Will Buy In The Atlanta Real Estate Market

    Atlanta housing prices are up from last year, but they're still lower than the national median. And there's lots of inventory so plenty of choice for buyers. Here's how to get the most for your money.
  6. How To 'Spring Clean' Your Credit Cards

    It’s a good idea to compare credit cards and ditch ones that don't stack up. While you are busy preparing for spring cleaning around your house, take the time to do the same for your finances.
  7. What $300,000 Will Buy In The Riverside/San Bernardino Real Estate Market

    The median list price for the San Bernardino/Riverside, Calif. market is $292,800, up 24.6% from the same month last year, according to the National Housing Trend Report for February 2014, published by Realtor.com. Here's a look at what buyers can expect to find for $300,000.
  8. Why The IRS Blocked Refund Anticipation Loans

    Refund Anticipation Loans provided tax preparers with a substantial stream of income for several decades. But high fees and widespread fraud convinced several banks to exit this industry, and the IRS finally outlawed the loans.
  9. Can Paying Off Your Mortgage Early Hurt Your Net Worth?

    Saving your money and making double or even triple payments on a mortgage may sound productive, but it could hurt your overall assets for the future, giving you less to utilize during retirement.
  10. What $200,000 Will Buy In The Chicago Real Estate Market

    Here's a look at what about $200,000 will get you today in various regions within Chicago's real estate market.
  11. Five Steps To Retire Debt-Free

    Retiring without debt is a worthwhile goal, but a difficult one to achieve. If you're up to the challenge, follow these steps to a debt-free retirement.
  12. Fixed Or Variable-Rate Mortgage: Which Is Better Right Now?

    Find out the benefits of fixed- and variable-rate mortgages, and learn which option is best for you.
  13. How Your Credit Score And Credit Report Are Examined By Lenders

    Knowing the difference between a credit score and credit report can help you make the right financial decision when it comes to applying for lines of credit, and can also help you get better interest rates on loans.
  14. Americans Are Borrowing More To Buy Cars - But Should They Be?

    As the economy slowly heals, credit has become easier to obtain and interest rates have gone down. But does that mean it's wise to take on a car loan right now?
  15. Reverse Mortgages 101

    Just because you can apply for a reverse mortgage doesn’t mean you should. Get a general idea of how these work, as well as who is poised to benefit from them in this article.
  16. Obama Announces Free Application For Federal Student Aid (FAFSA) Help

    On Friday, President Barack Obama and First Lady Michelle Obama visited Miami-Dade’s Coral Reef Senior High School to emphasize the importance of education and to urge students to apply to college federal student financial aid programs. "We want every young person to have the kinds of teachers, ...
  17. Is Homeownership A Smart Investment Again?

    Homeownership remains cheaper than renting across the nation. However, these findings speak broadly to the national market, and there are several situations where it still makes more sense to rent.
  18. How To Handle A Windfall

    It can be tempting to spend a windfall on toys, trips, and other things that you "deserve," but doing so will leave you in the same place you were before you received the windfall. Find out what you need to do if you receive a chunk of cash.
  19. Reconciliation

    Investopedia explains: Reconciliation is an accounting process in which two sets of records are compared to make sure that the figures are in agreement. These sets of records are usually account balances.
  20. Inside National Payment Systems

    Investopedia explains: The global interconnection of U.S. payment systems makes commerical and financial transfers possible.
  21. Debt: The Last Social Taboo?

    Debt need not be a personal tragedy nor a badge of shame. For some, it is simply a practical problem with practical solutions. For others, however, it isn't even the real problem.
  22. How To Rent Your Home So You Can Pay Your Mortgage

    If you own your home, but temporarily can’t afford the payments, and can’t a find cheaper place to live, temporarily renting your home may be the solution for you.
  23. Fed's Discount Rate

    The Federal discount rate is the amount of interest a central bank charges private banks for short-term loans.
  24. Why Americans Still Can't Escape The Recession

    National statistics indicate that the U.S. economy is finally gaining momentum. So why doesn't it feel that way for many Americans?
  25. 10 Steps To Tax Preparation

    Follow these simple steps to get you ready for the income tax deadline of April 15.
  26. What Is A Corporate Credit Rating?

    Is the bond you're buying investment grade, or just junk? Find out how to check the score.
  27. How To Find The Best Mortgage Rates In Your State

    There are plenty of things that you can do to find a rate that will not only make it easier for you to afford a mortgage, but will also be better than any other offered in your state.
  28. Forget McMansions, In-Town Homes Offer Best Values

    Aging baby boomers, Gen X-ers and plugged-in Millennials are seeking the walkable communities of yesteryear. Smaller and older homes are holding value and appreciating more rapidly than homes in far-flung suburbs.
  29. New Mortgage Rules For 2014

    New mortgage rules are set to take place next year by the Consumer Financial Protection Bureau, which will make lenders screen home loan applicants in greater detail.
  30. Why Emergency Funds Are A Bad Idea

    Learn why taking the time to build an emergency fund is a staggeringly inefficient use of the precious and limited resource that is your money.
  31. Financial New Year's Resolutions You Can Keep

    Start the year off right by evaluating your financial health and setting impactful and achievable goals.
  32. What To Know Before Buying A Foreclosure

    While foreclosures can be terrific investments, buying a foreclosure can also be a very risky expenditure, one into which no one should enter without a lot of research and intestinal fortitude.
  33. What To Expect From The Real Estate Market In 2014

    2014 holds some good news for the housing market, with gains in average home prices allowing more and more home owners to get their mortgages above water.
  34. The Interest Rates: APR, APY And EAR

    When most people shop for financial products, all they focus on is the listed interest rate. Human eyes instinctively dismiss the fine print, which usually includes the terms APR (annual percentage rate) and APY (annual percentage yield) – or to use a synonym for the latter, EAR (effective annual rate) ...
  35. How To Lend Money To Family And Not Regret It

    It’s hard to refuse a family member’s request for a loan, but be sure to go into such arrangements with your eyes open.
  36. What Is Collateral?

    Collateral is property or other assets that a borrower offers a lender to secure a loan. If the borrower stops making the promised loan payments, the lender can seize the collateral to recoup its losses.
  37. Why Home Ownership Is Still A Good Idea

    Owning a home is still a good decision for many people and can be an important part of a long-term financial strategy.
  38. How Paying For College Begins Well Before Freshman Year

    Don't overlook the hidden real costs of paying for college, especially those early expenses that mount while your child is still in high school.
  39. Five Rules To Improve Your Financial Health

    Learn five broad personal finance rules that can help get you on track to achieving specific financial goals.
  40. Contingency Clauses In Home Purchase Contracts

    Here, we introduce widely used contingency clauses in home purchase contracts and how they can benefit both Buyers and Sellers.
  41. Is Foreclosure Ever a Good Idea?

    Foreclosing on a home has major ramifications that can last for years, but for some, foreclosure may seem like the only option.
  42. DIY! How To Sell Your House Without A Broker

    Thanks to social media sites like Pinterest, people are showing their enthusiasm for DIY, or do-it-yourself projects to save money -- and selling your home shouldn't be any different.
  43. How To Keep Costs Low When Refinancing Your Home

    With interest rates still being relatively low, now is a great time to capitalize on refinancing your home. Be aware of what fees are involved in a refinance, and how to keep these costs low.
  44. How To Properly Research For The Best Mortgage Rate

    You’ve probably been told to shop around for the best rate, but what exactly does that entail? Find out how to ensure you're getting the best possible rate on your mortgage.
  45. 4 Credit Card Rewards Gimmicks Revealed

    Credit card rewards programs are everywhere, but some are more rewarding than others. Learn to spot the "rewards" that can leave you feeling like a loser.
  46. What Is A Mortgage?

    A mortgage is a loan used to purchase a home, where the property serves as the borrower's collateral.
  47. Financial Risks That Don't Pay Off: The Cost Of Reckless Financial Behavior

    Despite the recessions, citizens continue to take financial risks and spend outside of their means without fully appreciating the potential consequences for both themselves and the wider economy.
  48. To Rent Or Buy? The Financial Issues

    Thinking of buying a home? We look at the initial and ongoing costs, as well as the so-called benefits.
  49. Student Financial Aid Changes: FAFSA 2013

    Here is a look at some of the major changes to FAFSA in 2013 and how they will affect students' financial aid.
  50. A Lousy Investment That May Be A Good Source Of Income

    In the past few years reverse mortgages have been heavily marketed as the way to become debt, and worry, free. For some seniors a reverse mortgage makes sense, for other though this dream product can quickly become a nightmare.
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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