Credit, Loans & Mortgages

  1. Credit Card Tutorial

    Credit cards can be a useful tool if you know what you are getting into. Learn the risks, rules, history of credit cards. ...
  2. Mortgage Broker vs. Direct Lenders: Which Is Best?

    There are key differences between mortgage brokers and direct lenders. Here's how to choose which is best for you.
  3. Interest Rate

    Interest rate is the amount charged, expressed as a percentage of principal, by a lender to a borrower for the use of assets.
  4. Debt Financing

    Debt financing occurs when a firm raises money for working capital or capital expenditures by selling debt instruments to ...
  5. When is it a good idea to take out a loan to invest?

    It is inadvisable for an investor to invest using a loan through a risky investment avenue, like the stock or derivatives ...
  6. What's a better way to borrow money: overdraft or credit cards?

    Overdraft and credit cards will allow you to spend more money than you have, but whichever option you choose, be sure to ...
  7. How does Sallie Mae disburse funds?

    Understand what Sallie Mae is and how it operates. Learn about the different ways in which Sallie Mae disburses funds to ...
  8. How can you cancel your Walmart credit card?

    Learn how to close your Walmart credit card or Walmart MasterCard, and read details about the process of closing those credit ...
  9. Can you use your Walmart credit card at Sam's Club?

    Learn how you can use a Walmart credit card at Sam's Club. Sam's Club also takes a variety of other payments and has many ...
  10. Will having several credit cards hurt my credit score?

    The manner in which you use your credit cards may affect your credit score more than the number of credit cards you own.
  11. Consumer Protection Laws You Need to Know

    Knowing these which consumer protection law can help you in particular situations can save you time, money and stress.
  12. Behind the Scenes of Your Mortgage

    Four major players slice and dice your mortgage in the secondary market.
  13. What is the difference between a savings & loan company and a bank?

    Find out how a savings and loan company, sometimes also known as a thrift or savings institution, focuses on different types ...
  14. Understanding Mortgage Impound Accounts

    Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money. ...
  15. Can Sallie Mae loans be forgiven?

    Understand the difference between private and public student loans. Learn if Sallie Mae loans can be forgiven and if other ...
  16. 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 ...
  17. How do I know if I should refinance my mortgage?

    If you can reduce your current interest rate by at least 0.75%, then it might make sense to consider a refinancing move. ...
  18. Refinancing vs. a Home-Equity Loan: The Difference

    If you want to pay off debt, make home improvements or just get a better interest rate, you need to know exactly what these ...
  19. What are the differences between revolving credit and installment credit?

    Discover how to distinguish between installment credit loans and revolving credit loans, and learn how they affect your credit ...
  20. What does it mean when advertisers say that "financing is available"? Should I trust them to give me a good deal?

    Making use of seller financing means that you're buying on credit. The seller is essentially loaning you the funds to buy ...
  21. Top 3 Crowdfunding Platforms of 2017

    Looking for a new way to fund your business or personal project? These crowdfunding sites may do the trick.
  22. Should You Increase Your Credit Card Limit?

    Should you ask for a credit limit increase? The answer is yes, and there are several good reasons why.
  23. If a collection agency buys my debt from another agency, does the debt become 'new'?

    Find out what happens when your debt account is sold from one collection agency to another and the impact on your balance ...
  24. Can Netspend cards be used internationally?

    Discover where NetSpend cards can be used, and understand the fees associated with using them overseas.
  25. What are the differences between delinquency and default?

    Find out more about loan delinquency, loan default, and the difference between a loan borrower defaulting and being delinquent ...
  26. How is interest charged on most lines of credit?

    Learn how most financial institutions calculate interest on lines of credit by using the average daily balance method and ...
  27. What is the difference between continuous compounding and discrete compounding?

    Learn to differentiate between and calculate the continuous and discrete compounding formulas for interest-generating investments ...
  28. What is the difference between an interest rate and an annual percentage rate (APR)?

    Comparing the annual percentage rate (APR) on competing loans help you understand the true cost of the loans and make a wise ...
  29. Understanding the Escrow Process and Requirements

    Everything you need to know about the escrow process, an interim stage of buying or selling a home.
  30. How do balance transfers affect my credit score?

    Learn the ways a balance transfer can negatively and positively affect your credit so you can pay off debt while maintaining ...
  31. Understanding Credit Card Balance Transfers

    Before you transfer a balance to a credit card with a lower interest rate, know how it affects new purchases and other fine-print ...
  32. What's the difference between a secured line of credit and an unsecured line of credit?

    Discover the differences between a secured line of credit and an unsecured line of credit, and why lenders treat the two ...
  33. Different Needs, Different Loans

    Find out what options are available when it comes to borrowing money.
  34. How to Stage Your Home For a Quick Sale

    Learn how to make your house appealing to the largest number of buyers and increase your chances to sell it fast.
  35. Does inflation favor lenders or borrowers?

    Find out under what circumstances inflation benefits borrowers more than lenders and in which situations inflation can be ...
  36. How long does it take for items to show up on my credit report?

    Find out how long missed payments, collections and requests for credit take to appear on a credit report and how often creditors ...
  37. Does paying my utility bills on time improve my credit score?

    In most states, utility providers aren't obligated to regularly report payment histories to the major credit bureaus.
  38. How is my credit score calculated?

    Learn the criteria that go into determining your FICO credit score, the measure that is most commonly used by lenders.
  39. How does your checking account affect your credit score?

    Learn how your checking account relates to your credit score, as well as what types of banking activities do and do not get ...
  40. Is a home equity loan a good way to pay off my credit card debt?

    Learn about the characteristics of a home equity loan and how it can be used to help you pay off your outstanding credit ...
  41. 6 Tips to Get Approved for a Mortgage

    You can change your bank's answer to a loan request from 'No' to 'Yes'. Find out how.
  42. How does interest work on a cash advance from my credit card?

    Find out how cash advances and regular credit card purchases are treated differently and what it means for your financial ...
  43. When is a balance transfer a good idea for paying off debt?

    Learn the best situation in which to do a balance transfer, enabling you to pay off your credit card debt more quickly while ...
  44. 7 Unusual Ways Businesses Can Borrow Money

    More and more alternative lenders have emerged for business owners. But beware: Some offer better terms than others.
  45. Common Carrier

    A common carrier is a commercial entity that gets paid to transport goods or people.
  46. Why Do Most of My Mortgage Payments Start Out as Interest?

    Fear not: Over the life of the mortgage, the portions of interest to principal will change.
  47. Mortgage Points: What's the Point?

    Learn how to pay less for your home in the long run, or save in the short run.
  48. Getting a Loan Without Your Parents

    Use these five things to finance your dreams without banking on a second signature.
  49. What is the difference between secured and unsecured debts?

    The differences between secured and unsecured debt, and how banks buffer risks associated with each type of loan through ...
  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 ...
Save Money
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    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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