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AJ Smith

Contributor |  In Personal Finance, Mortgages

AJ Smith is an award-winning journalist with more than a decade of experience in television, radio, newspapers, magazines and online content. She currently serves as the managing editor for SmartAsset. AJ has a passion for meeting new people, sharing stories and helping others. She has degrees from Princeton University and Mississippi State University. AJ and her husband also write and illustrate educational children’s books.

A Simple Guide to Debit vs. Credit Cards

Credit Cards

A Simple Guide to Debit vs. Credit Cards

A Simple Guide to Debit vs. Credit Cards

When you are putting some charges on the plastic, you may not even think about which card is better to use. Chances are you have at least one debit card and at least one credit card. As it turns out, not all cards are created equal. They may all be a lot more manageable than… Read More

5 Reasons to Start Saving Right Now

Personal Finance

5 Reasons to Start Saving Right Now

5 Reasons to Start Saving Right Now

Making monthly bill payments, saving for a house, growing college accounts, having enough in retirement funds, even just taking a trip — sometimes there are so many things we need money for that it is hard to keep track. But each goal is important and none of them can be ignored. So how do you manage… Read More

What Would Higher Interest Rates Mean for You?

Managing Debt

What Would Higher Interest Rates Mean for You?

What Would Higher Interest Rates Mean for You?

In recent years, we have been experiencing low interest rates and some of us may have even tuned out any of the Federal Reserve’s news and announcements. But right now, it is important to pay attention. Even if you have already heard about the coming rise in federal interest rates, you may not understand all of… Read More

Can You Afford an Adjustable-Rate Mortgage?

Mortgages

Can You Afford an Adjustable-Rate Mortgage?

Can You Afford an Adjustable-Rate Mortgage?

Points, down payment, annual percentage rate. Whether you have just figured out how much home you can afford or are trying to calculate whether a mortgage refinance makes sense for you, it’s important to understand the terms and what they mean for your mortgage options. Whichever mortgage you decide on has an impact on how much… Read More

Struggling With Your Mortgage? 7 Programs That Can Help

Mortgages

Struggling With Your Mortgage? 7 Programs That Can Help

Struggling With Your Mortgage? 7 Programs That Can Help

Buying a home and getting a mortgage: We all know these are big decisions that will impact our future tremendously — financially and beyond. No one knows this better than people struggling to make mortgage payments. If you find yourself in this position, there are some government programs that can help you refinance to a new… Read More

Can You Afford to Quit Your Job?

Personal Finance

Can You Afford to Quit Your Job?

Can You Afford to Quit Your Job?

Thinking about leaving your job? The decision can be both scary and liberating, but if you are ready to follow through, it’s important to make sure the process is thought out. Whether you are quitting to get more freedom, higher earning potential or a more enjoyable career path, you will likely need money in the… Read More

5 Steps You Can Take to Protect Your Bank Account

Identity Theft

5 Steps You Can Take to Protect Your Bank Account

5 Steps You Can Take to Protect Your Bank Account

Phishing, scamming and stolen identity problems — we have all heard about them. But how do you ensure that you don’t become a victim? Once you go through the process of choosing a savings or checking account, it’s important to keep the funds inside them — and yourself — safe. Illegal access to your financial records is one… Read More

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