Credit, Loans & Mortgages

  1. Can I Afford a House in 2016?

    Start the homebuying process in 2016 before mortgage rates increase. More sellers are expected to list their homes, resulting ...
  2. 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.
  3. 3 Best Mortgage Calculator Websites for UK Residents

    Identify the features offered by good U.K. mortgage calculators, and learn where you can find some of the best calculators ...
  4. Top 10 Personal Finance Stories of 2015

    Every year is the year to start saving money, and 2015 was no different.
  5. Lender

    A lender provides funds to another with the expectation those funds will be repaid with interest.
  6. The Fair Debt Collection Practices Act (FDCPA)

    The Fair Debt Collection Practices Act, or the FDCPA, prohibits debt collectors from using abusive, unfair or deceptive practices ...
  7. Encumbrance

    An encumbrance is a claim against a property by another party.
  8. The Performance of Major Credit Rating Agencies

    The performance of major independent credit rating agencies is a controversial topic, particularly due to the strength of ...
  9. Lose 10 Pounds Of Overspending

    Bad spending habits are not always obvious. What could you be doing to ensure that your money's going where it should?
  10. Do You Have What It Takes to Sell Your Home?

    Selling your home on your own can save you money. But you'll need market knowledge, marketing skills and the drive to successfully ...
  11. Arrears

    An account is in arrears when one or more required payments have been missed.
  12. Top Unsecured Credit Cards to Build Credit in 2016

    Conventional wisdom advises you to get a credit card that will help you build positive credit. Here are four that can do ...
  13. 5 Tips to Lower Your Sallie Mae Payments

    Learn the essential tips on how to work with the Sallie Mae Corporation to lower the monthly payments on your private student ...
  14. Best 3 Mortgage Calculator Websites with PMI

    Learn more about all of the factors behind PMI, and discover the three best websites that provide a mortgage calculator that ...
  15. Expert Tips for Cutting Credit Card Debt

    Managing your debt could mean the difference between spending $45,000 or saving $184,000.
  16. Taxable Rewards To Be Aware Of

    To inspire loyalty, many retailers offer rewards that their customers can accumulate and cash in for various perks. But do ...
  17. 5 Home Remodels That Increase Resale Price

    A home improvement is not just a project, it’s an investment. Remodeling Magazine recently found the renos that are yielding ...
  18. 4 Simple Actions to Consider After Fed Liftoff

    This week, after months of anticipation, the Fed initiated its first rate hike in nearly a decade, raising the Fed Funds ...
  19. How to Work With Your Lender if You Can't Pay Your Mortgage

    Homeownership is a dream but when you can't pay your mortgage it becomes a nightmare. In the wake of the housing meltdown ...
  20. What are Balloon Payments?

    30-year mortgage borrowers will typically make equal payments over 30 years until the loan’s principal and interest have ...
  21. What are Government Loans?

    There are many reasons to seek a government loan rather than one from a private lender. Government loans typically have low ...
  22. How to Live Without a Credit Card

    It’s inconvenient to live without a credit card, but possible. Here are some tips to make it work.
  23. How To Live Without A Credit Card

    Debit cards are more widely accepted and provide better fraud protection than in the past.
  24. The 5 Fastest Appreciating Housing Markets in America

    Investors and homebuyers are watching some U.S. cities' housing markets appreciate at a rapid rate. Here are the top five ...
  25. How can you pay your Walmart credit card?

    Learn about the Walmart credit card and how to make payments by a check, online, at Walmart and Sam's Club stores, or over ...
  26. Modified Tenure Payment Plan

    A way to receive reverse mortgage proceeds that gives the borrower a line of credit as well as equal monthly payments as ...
  27. How To Negotiate Your Closing Costs

    Closing costs can't be avoided altogether, but you can lower them. While there are a lot of fixed costs, there are also variable ...
  28. How Does A Reverse Mortgage Work?

    A homeowner who’s at least 62 years old can use a reverse mortgage to tap into her home’s equity for money. The house serves ...
  29. How To Prevent A Tax Hit When Selling A Rental Property

    Rental property ownership has its benefits but when selling you can face a big tax hit. Thankfully there are ways to reduce ...
  30. Economics of Owning a Vacation Home

    Discover the financial factors behind owning a second home and how weighing your options can determine if a vacation home ...
  31. Economics of Owning a Beach House

    Discover how property taxes, insurance costs, climate and other risks can affect the cost of owning a beach house and what ...
  32. How Does CareCredit Work?

    Healthcare credit cards can help you handle hefty medical bills. A closer look at CareCredit, the largest card provider, ...
  33. The Dangers of Taking Out a Direct PLUS Loan

    Direct PLUS loans are heavily advertised to parents who want to help support the financial costs of their child's education, ...
  34. Reverse Mortgage Net Principal Limit

    The amount of money a reverse mortgage borrower can receive from the loan once it closes, after accounting for the loan’s ...
  35. Modified Term Payment Plan

    A way to receive reverse mortgage proceeds where borrowers get access to a line of credit indefinitely and equal monthly ...
  36. How to Invest When You Buy Your First Home

    Homeownership isn't cheap these days thanks to the down payment and closing costs. Savers who are putting away money have ...
  37. What's a Debtor?

    A debtor​ is an individual or company that owes money.
  38. 12 Things You Don’t Know About Your Credit Report

    A good credit score is essential to securing a mortgage, obtaining a car, and getting other types of loans. But do you know ...
  39. Buying a House? 6 Other Costs You Should Factor In

    When purchasing a home, you need to factor in more than just the list price of the home. From closing costs to maintenance, ...
  40. The Pros and Cons of Getting a Reverse Mortgage

    A reverse mortgage allows seniors to take advantage of the equity in their home. But is it a good idea?
  41. Special Warranty Deed

    A special warranty deed is a deed in which the seller guarantees the title only against defects that occurred during his ...
  42. What Is A Good Credit Score?

    A good question to ask is how high does your score need to be to get you the best interest rates and similar kinds of perks?
  43. What Lenders Look At On Your Credit Report

    What do lenders consider when they look at your credit report? Several things, including your income and payment history. ...
  44. Your Guide To Chapter 7 Bankruptcy

    Filing for Chapter 7 bankruptcy triggers an automatic stay that forbids businesses from collecting on your debt, or suing ...
  45. Can personal loans be transferred to another person?

    Learn whether it is possible to transfer a personal loan to another person, and find out what happens when you default on ...
  46. Are personal loans considered income?

    Learn the various conditions that determine whether or not a personal loan counts as income for the borrower and if it can ...
  47. Buying a House Before Selling Your Own: Risks and Considerations

    Learn more about the financial risks and worst case scenarios associated with buying a home before selling your current residence.
  48. 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 ...
  49. Personal Loans: Top Alternative Lenders

    Looking for an alternative source of financing for a personal loan? Take a look at these companies.
  50. Selling Your House Before an Interest Rate Hike?

    Learn about the potential advantages and disadvantages of selling a home before or after an increase in the national interest ...
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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