Credit, Loans & Mortgages

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  1. Disaster Relief: Should You Borrow from Your 401(k)?

    Financial rebuilding after a natural disaster can be daunting. Here’s a list of things to consider before you tap into your ...
  2. Can CareCredit be Used for Family Members?

    Learn more about the available options that CareCredit offers to pay for out-of-pocket medical procedures with little to ...
  3. Comparison of a 30-Year vs. a 15-Year Mortgage

    Most homebuyers compare the monthly payments between mortgages, but what about these other points?
  4. How Banks Set Interest Rates on Your Loans

    Many factors go into how banks set interest rates for loans. Use this information to negotiate the best possible rate when ...
  5. Understanding the Mortgage Payment Structure

    We explain the calculation and payment process as well as the amortization schedule of home loans.
  6. Are We On The Brink Of Housing Bubble 2.0?

    More than a third of houses flipped in the second quarter of 2017 were done so using finance.
  7. Second Mortgage

    A second mortgage is a type of subordinate mortgage made while an original mortgage is still in effect.
  8. Was I Hacked? Find Out If the Equifax Breach Affects You

    143 million Americans may have been affected.
  9. Credit Score

    A credit score is a number ranging from 300-850 that depicts a consumer's creditworthiness. The higher the credit score, ...
  10. 5 Things You Shouldn't Tell Your Mortgage Broker

    Applying for a mortgage can be a strenuous process. Here are five things to avoid doing when meeting with your mortgage broker. ...
  11. Are Credit Karma Scores Real and Accurate?

    A free credit score sounds good, but is it worth giving up your personal information to get one online?
  12. Reverse Mortgages Could Get More Risky for Spouses

    Surviving spouses who aren't on reverse mortgage documents are in danger of losing their homes, thanks to wording in a recent ...
  13. How do you Fund a Forex Account?

    Global currencies are traded on the forex market. Here's how to tap in.
  14. Does NetSpend Work with PayPal?

    NetSpend and PayPal both allow fund transfers, and they work in conjunction with each other.
  15. What Distinguished Financial Services Sector from the Banks?

    Learn about the difference between the banking industry and the financial services sector and how to distinguish financial ...
  16. Buying a Home: Cash Vs. Mortgage

    If you have the funds, should you buy your home with all cash? Here's how to decide which option – cash or mortgage – makes ...
  17. The 5 Biggest Factors That Affect Your Credit

    Credit companies rely on these factors to determine whether to lend to you and at what rate.
  18. 10 Reasons to Use Your Credit Card

    Charging purchases is not always a no-no. In fact, there are some very sound reasons for choosing this option.
  19. Pre-Qualified Vs. Pre-Approved – What's The Difference?

    These terms may sound the same, but they mean very different things for homebuyers.
  20. APR and APY: Why Your Bank Hopes You Can't Tell The Difference

    Banks use these rates to entice borrowers and investors. Find out what you're really getting.
  21. How do you Cancel a NetSpend Card?

    Learn how to close or cancel your NetSpend account. Be aware of potential issues and fees associated with doing so.
  22. 7 Ways to Recession-Proof Your Life

    Find out what you can do to prepare and cope in tough economic times.
  23. 7 Budget-Friendly Ways to Remodel a Bathroom

    A complete bathroom remodel can cost $18,500 and up, but you can bring the price down substantially with these DIY ideas ...
  24. Identity Theft Protection Services: Worth Having?

    Start here before deciding whether you need this coverage.
  25. Fico vs. Experian vs. Equifax: their Pros and Cons (FICO, EFX)

    FICO, Experian and Equifax all provide information about a borrower's credit history. However, important differences exist ...
  26. Equifax Hack: 5 Biggest Credit Card Data Breaches

    Credit bureau Equifax revealed a giant data breach covering 143 million customers including credit cards.
  27. 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.
  28. How to Recover From Identity Theft

    Identity theft isn't going away, and fixing it can take time and money. But doing nothing isn't an option. Rather than become ...
  29. 5 Costly College Mistakes to Avoid

    Help your college students avoid these mistakes and thrive financially during school and after.
  30. Top 5 Home Renovations for Your Money in 2017

    Planning a home renovation? Take a look at these projects that deliver the best ROI when it's time to sell.
  31. Earnest Money

    A deposit made to a seller showing the buyer's good faith in a transaction. Often used in real estate transactions, earnest ...
  32. Does Netspend Accept Wire Transfers?

    Find out how NetSpend cardholders can arrange for electronic transfers to add money to their NetSpend prepaid debit cards ...
  33. How does NetSpend overdraft protection work?

    Discover how NetSpend overdraft protection works and how it charges for each overdraft transaction.
  34. What Millennials Should Know About Good and Bad Debt

    Can you tell the difference between good and bad debt?
  35. Measuring the Cost of Mortgage Insurance

    Before deciding to put down less than 20% on a home, you should factor in the cost of PMI.
  36. Continue to Rent or Time to Buy a Home?

    Deciding to buy versus rent needs to fit your short, mid and long-term financial plans.
  37. These 12 Habits Will Help You Reach Financial Freedom

    Learn 10 key habits for achieving financial freedom, including smart budgeting, staying abreast of new tax deductions and ...
  38. The Big Difference Between Good Debt and Bad Debt

    Not all debt is bad. Good debt is that which is incurred to increase your future income.
  39. America's Growing Subprime Credit Card Trap

    Beware of subprime credit cards. It may be easy credit access, but can take advantage of your poor credit score and eventually ...
  40. Do mortgage lenders use FICO 8? (EFX, TRU)

    As more lenders employ the FICO 8 credit-scoring system, borrowers should be aware of how this may affect them..
  41. A College Financial Plan for the Student and Parent

    It’s crucial for parents and students to explore all funding options when planning for college.
  42. Charge-Off

    A charge-off is a debt, for example on a credit card, that is deemed unlikely to be collected by the creditor because the ...
  43. 10 Frustrating Things Standing Between You and Your Mortgage

    If you know about the common challenges ahead of time, you can be prepared for them, and in some cases, even avoid them.
  44. Microfinance

    A type of banking service that is provided to unemployed or low-income individuals or groups who would otherwise have no ...
  45. Borrowing Against a Life Insurance Policy

    There are advantages and disadvantages to taking out a loan against your permanent life insurance.
  46. 15-Year vs. 30-Year Mortgages: A Comparison

    While paying off your mortgage in 15 years rather than 30 may seem like a good idea, there are advantages to the longer-term ...
  47. Should You Buy or Lease a New Car?

    Deciding whether to lease or purchase a car depends on a number of factors.
  48. Conventional Mortgages and Loans

    A conventional mortgage is any type of homebuyer's load that is not offered or secured by a government entity but rather ...
  49. The Reverse Mortgage: A Retirement Tool

    Discover another way to fund your retirement without having to make payments on a loan.
  50. The Top Three Credit Bureaus

    A discussion of the top three credit bureaus: what they do, how they develop your credit score – and why the credit scores ...
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  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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