Do You Understand Your Mortgage’s Fine Print?

Mortgages

Do You Understand Your Mortgage’s Fine Print?

Do You Understand Your Mortgage’s Fine Print?

When shopping for a mortgage, it’s critical to have a general understanding of how points affect your mortgage rate and payments, and ultimately connect to your bottom line. Below are some guides to help you identify your net tangible benefit on a home loan. Points When you pay points, you are paying a premium to... Read More

Beware: Scammers Love Valentine’s Day, Too

Identity Theft

Beware: Scammers Love Valentine’s Day, Too

Beware: Scammers Love Valentine’s Day, Too

Valentine’s Day can certainly be stressful. Whether you’re at a loss for what to buy your love or you’re the lamenting the lack of one, you also have to watch out for scammers this time of year. “Scammers play on emotion … and romance is certainly a strong emotion,” the Better Business Bureau said in... Read More

8 Creative Ways to Clear Clutter

Personal Finance

8 Creative Ways to Clear Clutter

8 Creative Ways to Clear Clutter

Are you feeling a little overwhelmed by the post-holiday excess all around you? Have the past several years of your family’s success with Santa left your closets, garage, attic and office filled to the rafters? If so, it may be time for some creative clutter-busting strategies. Here are eight ways to kick the new year... Read More

Watch Out for Fake Turbo Tax Emails

Identity Theft

Watch Out for Fake Turbo Tax Emails

Watch Out for Fake Turbo Tax Emails

Scammers are targeting taxpayers by sending TurboTax customers fake emails designed to steal people’s personal and account information, according to a Feb. 4 announcement by Intuit, the parent company of the do-it-yourself tax software. Intuit said the email mimicks the company’s brand and tells recipients they need to confirm their accounts. Here’s what part of... Read More

8 Tips to Stop Annoying Robocalls

Personal Finance

8 Tips to Stop Annoying Robocalls

8 Tips to Stop Annoying Robocalls

Automated calls are becoming more frequent and more infuriating. Weren’t they supposed to have been banned? Yes, but that hasn’t happened in practice. According to the Better Business Bureau, the federal Telemarketing Sales Rule prohibits recorded sales messages unless you have given written permission for the caller to contact you, regardless of whether or not your number is on... Read More

Good News for Underwater Homeowners?

Mortgages

Good News for Underwater Homeowners?

Good News for Underwater Homeowners?

Call them the invisible victims of the housing collapse: The millions of homeowners who’ve spent nearly a decade dutifully making mortgage payments on homes worth less than the balance of their loans. Known as “being under water,” many in this crowd were never in danger of losing their home. But that doesn’t mean they didn’t... Read More

What Happens If You Go Over Your Credit Card Limit?

Credit Cards

What Happens If You Go Over Your Credit Card Limit?

What Happens If You Go Over Your Credit Card Limit?

Credit cards certainly have their limits, but it is often possible to go over them. Thanks to new restrictions in the Credit Card Accountability, Responsibility and Disclosure Act, some issuers have stopped allowing cardholders to spend beyond their credit limits. But others still offer what’s essentially a credit card version of overdraft coverage. This option,... Read More

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