Credit, Loans & Mortgages

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  1. How the Victoria's Secret Credit Card Works: Benefits and Rewards (LB)

    August 9, 2016
    Here's how the Victoria's Secret credit card works: application process, the benefits, the downfalls and the other pertinent ...
  2. Are Mortgage Rates Going Up? 3 Indicators to Watch

    August 9, 2016
    Watch these indicators to see if or when mortgage rates will rise, and why the Federal Funds rate is not a key indicator.
  3. Medical Professionals: How to Pay Those Loans Back

    August 9, 2016
    After years of medical school, the last thing you want to be worried about is money. What are your options when it comes ...
  4. Improve Your Credit Score by Adding a Credit Card

    August 9, 2016
    Find out how adding a credit card account can help increase your credit score, and discover what to do to avoid it hurting ...
  5. The Top 5 Personal Finance Experts to Follow in 2016

    August 8, 2016
    Here is a look at five money and investing experts who can help you reach your financial goals for 2016.
  6. Top 7 Most Common Financial Mistakes

    August 8, 2016
    Choose fortune over disaster by avoiding these money traps.
  7. LendingClub Stock Rises Ahead of Earnings (LC)

    August 8, 2016
    Analysts will look for details about how the company plans to move pass its problems and focus on growth and restore confidence ...
  8. Are Student Loans Tax-Deductible?

    August 8, 2016
    Learn how and when to deduct the interest on student loan payments, which allows individuals to reduce their taxable income ...
  9. Moody’s Review of Turkey “Ongoing”

    August 7, 2016
    Moody's delays its rating decision on Turkish debt, says the review is "ongoing" and could be completed by October.
  10. The Top 3 Alternatives to Student Loans

    August 7, 2016
    There are ways to attend college without getting into debt.
  11. Debt Avalanche vs. Debt Snowball: Which Is Best For You?

    August 7, 2016
    There are two distinct methods to pay off debt: the debt avalanche way and the debt snowball way. Here’s how to find out ...
  12. Does It Pay Off to Attend Community College?

    August 6, 2016
    Associate degree holders in some professions can earn more than bachelor's degree holders.
  13. 6 Countries With Virtually Free College Tuition

    August 6, 2016
    Some countries in Europe, such as Norway, Finland and Slovenia, provide free university education for all students.
  14. 5 Surprising Things That Will Hurt Your Credit Score

    August 5, 2016
    Here are five ways that you can damage your credit score without even knowing it.
  15. The Main Differences between Credit Unions and Banks

    August 5, 2016
    Consumers should know the main differences between credit unions and commercial banks when deciding where to do business. ...
  16. 5 Landscaping Tips that Won’t Break the Bank

    August 4, 2016
    Are you considering selling your home this summer? Then you should get your landscape in shape. Here are five secrets to ...
  17. How Credit Card Companies Fight Fraud

    August 4, 2016
    Credit card companies are relying on the full arsenal of weapons, including traditional and emerging big-data analysis to ...
  18. Capital One Stock Trades Ex-Dividend Thursday (COF)

    August 4, 2016
    Capital One will send its dividend payment on August 18 to shareholders of record as of August 8.
  19. Looking for a Tuition-Free College? Move Abroad

    August 4, 2016
    College tuition abroad is free in some cases, allowing students to get a debt-free jump on life. But you might need to brush ...
  20. 8 Essential Four-Letter Words for Financial Health

    August 3, 2016
    By embracing these four-letter words, you can take the steps necessary to improve your financial health.
  21. Unencumbered

    August 3, 2016
    An asset or property that is free and clear of any encumbrances such as creditor claims or liens. An unencumbered asset is ...
  22. Total Debt Service Ratio - TDS

    August 3, 2016
    A debt service measure that financial lenders use as a rule of thumb to give a preliminary assessment of whether a potential ...
  23. Sweat Equity

    August 3, 2016
    Contribution to a project or enterprise in the form of effort and toil. Sweat equity is the ownership interest, or increase ...
  24. Subprime Loan

    August 3, 2016
    A type of loan that is offered at a rate above prime to individuals who do not qualify for prime rate loans. Quite often, ...
  25. Subprime Mortgage

    August 3, 2016
    A type of mortgage that is normally made out to borrowers with lower credit ratings. As a result of the borrower's lowered ...
  26. Standard & Poor's - S&P

    August 3, 2016
    The world's leading index provider and the foremost source of independent credit ratings. Standard & Poor's has been ...
  27. Standard & Poor's 500 Index - S&P 500

    August 3, 2016
    An index of 500 stocks chosen for market size, liquidity and industry grouping, among other factors. The S&P 500 is designed ...
  28. Second Lien Debt

    August 3, 2016
    Debts that are subordinate to the rights of other, more senior debts issued against the same collateral, or a portion of ...
  29. Right Of Rescission

    August 3, 2016
    A right under federal law set forth by the Truth in Lending Act that gives a borrower the right to cancel a home equity loan ...
  30. Revolving Loan Facility

    August 3, 2016
    A financial institution that allows the borrower to obtain a business or personal loan where the borrower has the flexibility ...
  31. Residential Mortgage-Backed Security (RMBS)

    August 3, 2016
    A type of security whose cash flows come from residential debt such as mortgages, home-equity loans and subprime mortgages. ...
  32. Promissory Note

    August 3, 2016
    A financial instrument that contains a written promise by one party to pay another party a definite sum of money either on ...
  33. Prepayment Risk

    August 3, 2016
    The risk associated with the early unscheduled return of principal on a fixed-income security. Some fixed-income securities, ...
  34. Personal Property

    August 3, 2016
    A type of property which, in its most general definition, can include any asset other than real estate. The distinguishing ...
  35. Periodic Interest Rate

    August 3, 2016
    The interest rate charged on a loan or realized on an investment over a specific period of time. Most interest rates are ...
  36. Mortgage-Backed Security (MBS)

    August 3, 2016
    A type of asset-backed security that is secured by a mortgage or collection of mortgages. These securities must also be grouped ...
  37. Mortgage Servicing Rights - MSR

    August 3, 2016
    A contractual agreement where the right, or rights, to service an existing mortgage are sold by the original lender to another ...
  38. Microfinance

    August 3, 2016
    A type of banking service that is provided to unemployed or low-income individuals or groups who would otherwise have no ...
  39. Loan

    August 3, 2016
    The act of giving money, property or other material goods to a another party in exchange for future repayment of the principal ...
  40. Lien

    August 3, 2016
    The legal right of a creditor to sell the collateral property of a debtor who fails to meet the obligations of a loan contract. ...
  41. Fully Amortizing Payment

    August 3, 2016
    A periodic loan payment, part of which is principal and part of which is interest, where if the borrower makes payment according ...
  42. Forbearance

    August 3, 2016
    A temporary postponement of mortgage payments.
  43. Discretionary Income

    August 3, 2016
    The amount of an individual's income that is left for spending, investing or saving after taxes and personal necessities ...
  44. Creditor

    August 3, 2016
    An entity (person or institution) that extends credit by giving another entity permission to borrow money if it is paid back ...
  45. Credit Score

    August 3, 2016
    A statistically derived numeric expression of a person's creditworthiness that is used by lenders to access the likelihood ...
  46. Bridge Loan

    August 3, 2016
    A short-term loan that is used until a person or company secures permanent financing or removes an existing obligation. This ...
  47. Balloon Loan

    August 3, 2016
    A type of loan which does not fully amortize over its term. Since it is not fully amortized, a balloon payment is required ...
  48. Balloon Payment

    August 3, 2016
    An oversized payment due at the end of a mortgage, commercial loan or other amortized loan. Because the entire loan amount ...
  49. Annual Percentage Rate - APR

    August 3, 2016
    The annual rate that is charged for borrowing (or made by investing), expressed as a single percentage number that represents ...
  50. Amortization Schedule

    August 3, 2016
    A complete schedule of periodic blended loan payments, showing the amount of principal and the amount of interest that comprise ...
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