Credit & Loans

  1. On average, what can I expect my private mortgage insurance (PMI) rate to be?

    Learn the several factors that come into play when insurance companies determine the private mortgage insurance rate for ...
  2. Why do I need to pay private mortgage insurance (PMI)?

    The extra interest payments caused by private mortgage insurance may seem excessive, but there's a good reason lenders need ...
  3. What's considered to be a good debt-to-income (DTI) ratio?

    Your debt-to-income ratio helps lenders determine your credit worthiness. Find out how to calculate your score and whether ...
  4. Different loan sources to use when you consolidate debt.

    7 Ways To Consolidate Debt

    Different loan sources to use when you consolidate debt.
  5. How does Fannie Mae (FNMA) make money?

    Fannie Mae is a government-sponsored enterprise (GSE) established in 1938 to expand the flow of mortgage money by creating ...
  6. A good credit rating can make your life simpler in almost every way.

    10 Ways To Improve Your Credit Report

    A good credit rating can make your life simpler in almost every way. Here's how to build up yours – and repair it if times ...
  7. When's the last time you checked out your credit report?

    Top Places To Get A Free Credit Score Or Report

    When's the last time you checked your credit report? With all the hacking out there, don't wait for the car dealer to find ...
  8. Offering free one-month loans so people can buy stuff seems like the worst business model imaginable...until the grace period ends.

    How Visa Counts On Your Free-Spending Ways

    The credit card transaction business is so profitable, Visa Inc. doesn't even bother lending money. Here's how they make ...
  9. A home equity loan or line of credit is a convenient way to consolidate debts, cut your interest rate and gain a tax deduction. But there are big risks.

    Using Home Equity Loans For Debt Consolidation

    A home equity loan or line of credit is a convenient way to consolidate debts, cut your interest rate and gain a tax deduction. ...
  10. Here are five ways to help prevent getting a bad credit score that could affect future loan, credit card, or mortgage approvals.

    Millennials: Prevent a Bad Credit Score

    Here are five ways to help prevent getting a bad credit score that could affect future loan, credit card or mortgage approvals.
  11. Chances are your credit report has mistakes – which could cost you hundreds a year in mortgage, car loan or credit card interest.

    Credit Report Alert!

    Chances are your credit report has mistakes – which could cost you hundreds a year in mortgage, car loan or credit card interest. ...
  12. Take these 5 steps to getting the lowest possible rate for your mortgage. Small percentage differences can mean big savings down the line.

    How To Shop For Mortgage Rates

    Take these 5 steps to getting the lowest possible rate for your mortgage. Small percentage differences can mean big savings ...
  13. What do lenders consider when they look at your credit report? It’s a simple question with a complicated answer.

    What Lenders Look At On Your Credit Report

    What do lenders consider when they look at your credit report? It’s a simple question with a complicated answer.
  14. Car Payments: 'Til Death Do Us Part

    Your car breaks down... You head to the dealership, ready to replace it with something more reliable. But the dealership ...
  15. What are the different types of private mortgage insurance (PMI)?

    Private mortgage insurance (PMI) is an insurance policy that protects lenders from the risk of default and foreclosure, and ...
  16. What's the difference between private mortgage insurance (PMI) and mortgage insurance ...

    Private mortgage insurance (PMI) is an insurance policy used in conventional loans that protects lenders from the risk of ...
  17. How can I avoid paying private mortgage insurance (PMI)?

    Private mortgage insurance (PMI) is an insurance policy that protects lenders from the risk of default and foreclosure, and ...
  18. Applying For Credit Cards Affects Your Credit Score

    if you follow these simple rules, you should be able to refresh your plastic without causing a big hit to your score.
  19. Is saving the seller's side of the agent's commission worth the trouble of selling your home without one?

    8 Reasons Not To Sell Your Home Without An Agent

    Is saving the seller's side of the agent's commission worth the trouble of selling your home without one? Why it could cost ...
  20. What's a better way to borrow money: overdraft or credit cards?

    Overdraft and credit cards will allow you to spend more money than you have, but whichever option you choose, be sure to ...
  21. What are the pros and cons of overdraft protection?

    If you sign up for overdraft protection and link your checking account to your savings account, a credit card or an overdraft ...
  22. If you can afford to buy a home for all cash, is that the best way to invest your money? Here are the pros and cons.

    Should You Pay All Cash For Your Next Home?

    If you can afford to buy a home for all cash, is that the best way to invest your money? Here are the pros and cons.
  23. Seven Steps to Become Financially Independent

    With Independence Day just around the corner, now is the perfect time to finally set the goal of financial independence for ...
  24. If you're putting down less than 20%, the FHA's mortgage insurance premium could cost you more than private mortgage insurance with a commercial lender.

    Is An FHA Mortgage Still A Bargain?

    If you're putting down less than 20%, the FHA's mortgage insurance premium could cost you more than private mortgage insurance ...
  25. How to Avoid Being the Victim of Auto Loan Rip-Offs

    It’s not easy being a car buyer. Unless you have the privilege of paying cash for a vehicle, you’re probably going to have ...
  26. Refinancing And Debt-Consolidation Checklist

    On the surface, refinancing a mortgage to consolidate other debts is a tempting option. However, there are potential drawbacks ...
  27. 5 Credit Card Traps That Will Ruin Your Summer Trip

    Summer vacations can be rejuvenating and refreshing, but also costly if you aren’t careful with how you use your credit card.
  28. 10 Surefire Signs You’ll Ruin Your Financial Life and Die With Debt

    For many Americans, debt is a way of life. Loans allow most Americans to pay for their cars, education, and houses. But how ...
  29. You're ready for a new house. Should you buy it or build it?

    Should You Buy Or Build A Home?

    You're ready for a new house. Should you buy it or build it? Here's how to think through the pros and cons, whether it's ...
  30. It's easy to make money from credit card sign-up bonuses, but you have to know what you're getting into.

    Make Money Off Credit Card Sign-Up Bonuses

    It's easy to benefit from credit card sign-up bonuses, but you have to know what you're getting into.
  31. Private mortgage insurance benefits the lender (the sole beneficiary of PMI), but it can add a sizable chunk to your monthly house payment.

    How To Get Rid Of Private Mortgage Insurance

    Private mortgage insurance benefits the lender (the sole beneficiary of PMI), but it can add a sizable chunk to your monthly ...
  32. Getting the best possible package for a college fund depends on minimizing assets and maximizing the energy you use to find possible funding sources

    5 Ways To Get Maximum Student Financial Aid

    Getting the best possible package for a college fund depends on minimizing assets and maximizing the energy you use to find ...
  33. Five Creative Ways To Pay For College

    If your financial aid package isn't helping as much as you need, there are other ways to fund your education.
  34. Five Credit Card Perks That Will Cure Many Headaches During Your Summer Trips

    It is a time when credit cards will become more than just convenient payment methods.
  35.  If you are in the market for a new home, technology can help make your search a little easier.

    Best Apps For Buying A Home

    If you are in the market for a new home, technology can help make your search a little easier. Mobile apps allow you to ...
  36. 10 Unfamiliar Ways to Help Pay Down Medical Bills

    Paying your medical bills can seem frightening, given the high cost. Don’t let unpaid medical bills ruin your credit.
  37. What You Need To Know About EMV Credit Cards

    Finally, the U.S. is beginning to move to EMV credit cards. Here's how they'll keep us safer and what they won't fix.
  38. Learn About These 6 Dumb Money Pitfalls For Married Couples

    From tax implications to knowing your partner's credit score, watch out for these six money pitfalls.
  39. Before you invest the cash from your home equity loan in a sunroom or a high-end master suite, take heed: The renovations that pay off most aren't the glamorous ones.

    Home Improvements That Really Pay Off

    Before you invest the cash from your home equity loan in a sunroom or a high-end master suite, take heed: The renovations ...
  40. If that loan isn't paid back, you could be on the line for the whole amount, plus penalties.

    Seniors: Before You Co-sign That Student Loan

    If that loan isn't paid back, you could be on the line for the whole amount, plus penalties. Ask the 115,000 retirees whose ...
  41. If you haven't been in the habit of checking your credit card accounts online every day, now’s the time to start.

    Four Reasons to Check Your Credit Card Accounts Online

    Credit cards do offer some protection against fraud, but it pays to be vigilant. And there are other benefits to your bottom ...
  42. 6 Critical Moves That Will Save You Time and Money Before Hunting for a Mortgage

    There are many important aspects to consider and research before the process of selecting a home even begins.
  43. Factor in amortization when choosing a home loan

    Mortgage Amortization Strategies

    Should you get a 30-year mortgage? A 15-year one? Ways to decide which mortgage is the best fit.
  44. Sometimes you can withdraw money from your 401(k) before age 59.5 without a tax penalty

    When a 401(k) Hardship Withdrawal Makes Sense

    If you've exhausted all other avenues, there are ways to withdraw funds before age 59½ – sometimes without the 10% penalty ...
  45. There are a lot of ways one’s credit can take a hit. The important thing is to start rebuilding your all-important FICO score now so when you need a loan down the road, you’ll be able to get one with favorable terms.

    Simple Steps for Rebuilding Your Credit

    Trying to repair your credit? Your first instincts may not be correct. Review your best options for raising a bad credit ...
  46. A pocketful of credit cards isn't always a good idea

    Time to Accept Credit Card Offers Again?

    How much you could get and whether to respond
  47. With student loan figures soaring, debt-saddled students and graduates are desperate for any strategy that may help them escape some of this burden.

    Debt Forgiveness: How to Get Out of Paying Your Student Loans

    Though many individuals eagerly await the possibility of student loan forgiveness, strict stipulations and changing laws ...
  48. Crass (But Effective) Ways to Build a College Fund

    Learn from non-profit fundraisers: Encourage friends and family to give your kid college cash, not toys – and say thank you, ...
  49. 5 Little Money White Lies That Can Leave You in the Red

    The lies you tell yourself can cost you plenty. Beware.
  50. Use Paying Rent to Boost Your Credit Score

    Now, rent payments can work for you – not just against you – to affect your credit rating
  51. Much like reading and writing, financial literacy is learned – from our parents, teachers and peers, and through our own experiences.

    5 Articles to Refresh Your Financial Literacy

    Being smart about things financial can make the difference between a shaky future and a comfortable one
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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