Credit, Loans & Mortgages

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  1. Mortgages: How Much Can You Afford?

    The answer involvoes number-crunching as well as factoring in other considerations and expenses.
  2. What is the difference between a loan and a line of credit?

    Learn to differentiate between lines of credit and standard loans, and determine when you are likely to use each method of ...
  3. 10 Reasons to Use Your Credit Card

    There's a surprising credit card strategy you should employ as a consumer: Use your credit card for everything (well, almost). ...
  4. What is the difference between overdraft and cash credit?

    The primary differences between overdraft and cash credit lie in how they are secured and whether the money is lent out of ...
  5. What Happens When Your Credit Card Expires

    You can take advantage of this process to learn about other cards that may better suit your needs.
  6. Comparison of a 30-Year vs. a 15-Year Mortgage

    Most financing-seeking homebuyers make a mortgage decision based on the monthly payments. But what about these other points?
  7. 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 ...
  8. How can I tell if a loan uses simple or compound interest?

    Learn the differences between simple and compound interest and how you can identify which one a loan uses.
  9. The Basics of Lines of Credit

    Learn how a line of credit, hybrids of credit cards and normal loans, can help (and hurt) your finances, and how to find ...
  10. What is the difference between a non-recourse loan and a recourse loan?

    The difference between these two loans comes into play if the borrower defaults, the collateral is sold, and money is still ...
  11. What is the difference between compounding interest and simple interest?

    Simple interest is only based on the principal amount of a loan, while compound interest is based on the principal amount ...
  12. Toxic Debt

    Toxic Debt is debt that has a lower chance of being repaid with interest.
  13. Bear Stearns

    Bear Stearns was an investment bank located in New York City that collapsed during the subprime crisis in 2008.
  14. Credit Card Dump

    A credit card dump is a criminal practice that copies information from active credit cards to create duplicates for fraudulent ...
  15. How HELOCs Can Hurt You

    A home equity line of credit is a convenient way to borrow money. Just be careful to avoid the pitfalls.
  16. Pre-Qualified Vs. Pre-Approved – What's The Difference?

    These terms may sound the same, but they mean very different things for homebuyers. Read more to learn the difference between ...
  17. The Greatest Market Crashes

    From a tulip craze to a dotcom bubble, read the cautionary tales of the stock market's greatest disasters.
  18. Fair Credit Billing Act - FCBA

    The Fair Credit Billing Act (FCBA) is a 1974 federal law designed to protect consumers from unfair credit billing practices. ...
  19. A Quick Guide to How FAFSA Loans Work

    If you’re headed to college and want to know how to apply for financial aid, this is where you need to start.
  20. Credit Score Ranges: What Do They Mean?

    Take a closer look at what credit scores in each range mean for your financial future.
  21. 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.
  22. Credit vs. Debit Cards: Which Is Better?

    Be strategic about the card you choose! Learn more about which is better for you: credit cards or debit cards.
  23. Toxic Assets

    Toxic assets are assets that become illiquid when the secondary market for buying and selling them disappears.
  24. Regulation B

    Regulation B is a regulation intended to prevent applicants from being discriminated against in any aspect of a credit transaction.
  25. How to Read a Consumer Credit Report

    Learning how to read your consumer credit report is vital, as it includes important information about your credit history. ...
  26. Mutual Mortgage Insurance Fund

    A fund that insures mortgages made by the Federal Housing Administration (FHA) on single-family homes.
  27. 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 ...
  28. The Big Short Explained

    Oscar-nominated film The Big Short explains the complex financial instruments that helped fuel the financial crisis of 2 ...
  29. 9 Reasons To Say "No" To Credit

    Instead of rationalizing, learn to talk yourself out of buying things you can't afford.
  30. Federal Direct Loans: Subsidized vs. Unsubsidized

    The Federal Direct Loan Program is designed to help make paying for college more affordable.
  31. What are the pros and cons of overdraft protection?

    The good news: Checks always clear. The bad: The bank will charge you an overdraft fee, even though you’re using your own ...
  32. Peer-To-Peer Lending (P2P)

    Peer-to-peer (P2P) lending is a method of debt financing that enables individuals to borrow and lend money without the use ...
  33. Analyzing a Career in Credit Analysis

    If you're a number-cruncher and responsibility doesn't scare you, this could be the job for you.
  34. Mortgage Points: What's the Point?

    Learn how to pay less for your home in the long run, or save in the short run.
  35. Self Employed? 5 Steps to Scoring a Mortgage

    Convince lenders that you're a good bet despite your lack of a steady income.
  36. 5 Things You Need to Be Pre-Approved For a Mortgage

    Before you can get serious about buying a home, you need to get pre-approval for a mortgage. Learn what you need to speed ...
  37. Five Easy Ways to Improve Your Credit Score

    If you credit score isn't where you want it to be, use these five steps to improve it.
  38. Assumable Mortgage

    An assumable mortgage is a type of financing arrangement in which an outstanding mortgage and its terms can be transferred ...
  39. 6 Major Credit Card Mistakes

    Avoid these pitfalls to keep your credit score healthy and your debt under control.
  40. An Introduction to Buying a Condominium

    This real estate investment provides unique advantages - and challenges.
  41. How The 2008 Housing Crash Affected The American Dream

    The housing collapse of 2008 has all but ended the American Dream.
  42. Were collateralized mortgage obligations (CMOs) responsible for the financial crisis of 2008?

    Learn how collateralized mortgage obligations helped to fuel the 2008 financial crisis, and see how many failed to understand ...
  43. Best Credit Cards For International Students

    International students studying in the U.S. can establish credit history and get a locally issued credit card.
  44. What are the differences between debit cards and credit cards?

    Learn how the major difference between a debit card and a credit card is where the money comes from when a customer makes ...
  45. The Truth About Real Estate Prices

    Historical housing price data suggests ongoing increases in housing prices, but these numbers don't tell the whole truth. ...
  46. 4 Tips for Using Credit Cards Overseas

    Overseas travel can be both confusing and expensive, so here are some ways to minimize the cost of spending abroad.
  47. Why do MBS (mortgage-backed securities) still exist if they created so much trouble in 2008?

    Read several different arguments in favor of allowing the trade of mortgage-backed securities, even after the financial crisis ...
  48. 8 Tips For Recession House Hunters

    Follow these eight tips to get a leg up on rival bargain hunters.
  49. Explaining Rising Interest Rates and Real Estate to Clients

    Rising interest rates impact every aspect of buying a home, but your clients shouldn't fear them.
  50. How Credit Card Delinquency Works

    The more you understand about delinquency, the better prepared you'll be to handle it.
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