Everything You Need to Know About Credit Cards

Everything You Need to Know About Credit Cards

There are so many credit card products available today – it can be overwhelming and confusing. Everyone at some point in their lives has received a credit card offer in the mail, but how do you know if that is a good credit card for you? More »

How Long Do Negative Items Stay on My Credit Report?

How Long Do Negative Items Stay on My Credit Report?

We assume you’re asking this question because you recently pulled your credit report only to find quite a few negative items listed on it. These negative items are dragging your credit score down and you want to know how long these are going to be listed on your report. More »

Learn How to Settle Your Debts With Collection Agencies

Learn How to Settle Your Debts With Collection Agencies

Some people have expressed skepticism that you can actually do debt settlement on their own using our strategy or other creative methods of settling debts.Read letters from readers who were highly successful. More »

Choose the Best Life Insurance Rates

Choose the Best Life Insurance Rates

“Life insurance rates are lower than ever” is what most buyers hear. Here are tips to help you understand how to get competitive life insurance rates without sacrificing valuable coverage. More »

Should You Use a Personal Loan to Start or Grow Your Small Business?

Should You Use a Personal Loan to Start or Grow Your Small Business?

If you’re starting a new business and need finance to do so, you’re almost certain to be personally liable for that debt, whether it’s a personal loan, small business credit card, or some other form of credit. More »

 

Car Insurance Rates 101: Why Your Rates Are What They Are

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Sky-high car insurance rates challenge your budget and force you to rethink your insurance strategy. Legally, motorists must carry a certain amount of minimum insurance, as stipulated by state law. Depending on where you live, you may be required to

Five Things You Should Know About Car Insurance Companies

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How do car insurance companies set their rates? This is simple question has a surprisingly complicated answer. Before we delve into factors that go into rate setting, we must emphasize that auto insurance companies are businesses, first and foremost. Car

How to Shop for a Jumbo Reverse Mortgage

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Also known as private reverse mortgages or proprietary reverse mortgages, a jumbo reverse mortgage is a loan that exceeds the maximum allowed by the U.S. Department of Housing & Urban Development’s (HUD) Home Equity Conversion Mortgage (HECM) program. These mortgages

Things You Can Do to Avoid Defaulting on Your Student Loans

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As reported by New America Foundation on November 21, 2013, in fiscal year 2013, students borrowed approximately $106 billion through federal loan programs. By law, the U.S. Department of Education considers a borrower to be in default when he/she fails

Considering a Balance Transfer? You Need to Answer Yes to These Questions First

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When you’re trying to pay off credit card debt, interest rates can make it tough. That’s the beauty of a balance transfer, as you may be able to qualify for an interest rate of as little as zero percent on

How to Pick the Right Type of Credit Card for You

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To most people credit cards are a pretty homogenous product; you use it for your day to day spending and pay your bill at the end of the month. Some people pay them off in full and some people just

Second Home Mortgage: 4 Questions to Ask Before You Buy a Second Home

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Owning a second home might just be the ultimate American dream. Taking on a second home mortgage is not. Don’t let your dream of a quintessential Maine cottage or an upscale Vail ski chalet turn into a financial nightmare. It’s

How To Avoid Private Mortgage Insurance (PMI)?

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“I LOVE paying for Private Mortgage Insurance!” said no homeowner, ever. PMI drives up mortgage payments and can stretch your budget to an uncomfortable limit. Adding insult to injury, this insurance does nothing to protect you, the homeowner — it’s

What History Says About Buying a Home as an Investment

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A decade ago, buying a home was viewed as an almost sure-thing investment. The collapse of the housing bubble then proved that real estate could be a heart-breaking and ruinous investment. Which view is more accurate? An examination of historical

Refinancing? Five Questions to Ask Your Mortgage Lender

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Refinancing can help homeowners to save money by lowering their mortgage payments. The terms used to refinance are often lower or better than the rates and terms of their previous mortgage. Knowing what questions to ask when refinancing mortgage can