Personal Finance FAQs

  1. What are the benefits of an investment club and how can I find one?

  2. How does a cost-of-living adjustment (COLA) affect my salary?

  3. What's the difference between a bank guarantee and a letter of credit?

  4. What is the minimum capital adequacy ratio that must be attained under Basel III?

  5. What is the difference between a buy-side analyst and a sell-side analyst?

  6. What is the difference between a 'nostro' and a 'vostro' account?

  7. Comparing deposits: demand versus term

  8. These famous scandals demonstrate the agency problem

  9. What is the difference between a state and a federally chartered credit union?

  10. Will Netspend cards let you overdraw your account?

  11. Correspondent banks versus intermediary banks

  12. How can I cancel a bank draft that I have purchased?

  13. What happens when my bank account is debited?

  14. How do interest rate changes affect the profitability of the banking sector?

  15. The life of a stockbroker: a typical day

  16. Does the FDIC cover business accounts?

  17. What are the major categories of financial institutions and what are their primary roles?

  18. What is the banking sector?

  19. Can I use a prepaid credit card to pay bills or to transfer money to other accounts?

  20. Which is better, a fixed or variable rate loan?

  21. How reliable are Glassdoor salaries?

  22. How can I purchase stock directly from a company?

  23. Where Do Companies Keep Their Cash?

  24. What's the average salary for a finance major?

  25. How do university endowments work?

  26. What does it mean when interest 'accrues daily?'

  27. What to bring to a bank to open a checking account

  28. Revolving Credit vs Line of Credit

  29. Are Sallie Mae loans considered federal loans?

  30. What is the most important "C" in the Five Cs of Credit?

  31. What net interest margin is typical for a bank?

  32. What is the difference between "closed end credit" and a "line of credit?"

  33. Are personal loans bad for your credit score?

  34. How will debt settlement affect my credit score?

  35. When is it a good idea to take out a loan to invest?

  36. What's a better way to borrow money: overdraft or credit cards?

  37. How does Sallie Mae disburse funds?

  38. How can you cancel your Walmart credit card?

  39. Can you use your Walmart credit card at Sam's Club?

  40. Will having several credit cards hurt my credit score?

  41. What is the difference between a savings & loan company and a bank?

  42. Can Sallie Mae loans be forgiven?

  43. How do I know if I should refinance my mortgage?

  44. What are the differences between revolving credit and installment credit?

  45. What does it mean when advertisers say that "financing is available"? Should I trust them to give me a good deal?

  46. If a collection agency buys my debt from another agency, does the debt become 'new'?

  47. Can Netspend cards be used internationally?

  48. What are the differences between delinquency and default?

  49. How is interest charged on most lines of credit?

  50. What is the difference between continuous compounding and discrete compounding?

  51. What is the difference between an interest rate and an annual percentage rate (APR)?

  52. How do balance transfers affect my credit score?

  53. What's the difference between a secured line of credit and an unsecured line of credit?

  54. Does inflation favor lenders or borrowers?

  55. How long does it take for items to show up on my credit report?

  56. Does paying my utility bills on time improve my credit score?

  57. How is my credit score calculated?

  58. How does your checking account affect your credit score?

  59. Is a home equity loan a good way to pay off my credit card debt?

  60. Paying off debt with a balance transfer

  61. Why Do Most of My Mortgage Payments Start Out as Interest?

  62. What is the difference between secured and unsecured debts?

  63. What is the difference between available credit and credit limit?

  64. Debit card vs credit card

  65. Should I pay my mortgage with my credit card to earn credit card rewards?

  66. What's considered to be a good debt-to-income (DTI) ratio?

  67. What is the difference between a loan and a line of credit?

  68. What Is the Difference between Tier 1 Capital and Tier 2 Capital?

  69. What is the difference between overdraft and cash credit?

  70. How can I tell if a loan uses simple or compound interest?

  71. What is the difference between a non-recourse loan and a recourse loan?

  72. What is the difference between compounding interest and simple interest?

  73. Safe, liquid places to invest your emergency fund

  74. Reading the pros and cons of overdraft protection

  75. To trade in your car, or have a down payment

  76. Texas or California? Cost of living differences

  77. Can foreigners open savings accounts in the US?

  78. How The 2008 Housing Crash Affected The American Dream

  79. Were collateralized mortgage obligations (CMOs) responsible for the financial crisis of 2008?

  80. Why do MBS (mortgage-backed securities) still exist if they created so much trouble in 2008?

  81. How did the ABX index behave during the 2008 subprime mortgage crisis?

  82. Can I Apply for an O-1 Visa If I Don't Get an H-1B?

  83. Do mortgage lenders use FICO 8? (EFX, TRU)

  84. Can a Best Buy credit card help you build credit?

  85. Which bank actually issues the Best Buy credit card?

  86. Can a Walmart credit card help you build credit? (WMT)

  87. Who are Nordstrom's (JWN) main competitors?

  88. What are the most common interview questions for banking/finance jobs?

  89. What are the basic requirements to qualify for a payday loan?

  90. If My Mortgage Lender Goes Bankrupt, Do I Still Have to Pay My Mortgage?

  91. Do balance transfers hurt your credit?

  92. Other than accounting, what does a corporate finance job involve?

  93. For which kind of jobs is having Magna Cum Laude most important?

  94. What types of liens are seen as good and which are bad for my credit?

  95. Can you pay off your Best Buy credit card in store?

  96. Do I have to complete all exams within a certain period of time to receive the CFA charter?

  97. What is an assumable mortgage?

  98. How does CareCredit for pets work?

  99. What is a reasonable amount of debt?

  100. How do I check the balance on my prepaid credit card?

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