5 Credit Cards That Won’t Raise Your APR If You Pay Late

Credit Cards

5 Credit Cards That Won’t Raise Your APR If You Pay Late

5 Credit Cards That Won’t Raise Your APR If You Pay Late

When children misbehave, their parents may resort to punishments like putting them in “time out” by having them stand in the corner. And that’s how many credit card users feel when they suddenly have a much higher penalty interest rate imposed due to failing to make a payment on time, slightly exceeding their credit limit or having a… Read More

3 Financial Realities New Grads Have to Face

Students

3 Financial Realities New Grads Have to Face

3 Financial Realities New Grads Have to Face

Go to college, study hard, get good grades, land a job and rake in the money. Sounds pretty simple, right? Not so fast. The truth is there are a number of financial realities new graduates have to face in order to be successful with their money. If you’re thinking about attending college or are already in… Read More

5 Identity Theft Facts That Will Terrify You

Identity Theft

5 Identity Theft Facts That Will Terrify You

5 Identity Theft Facts That Will Terrify You

Identity theft was the number one consumer complaint at the Federal Trade Commission last year. So far in 2015, the data breach problem that drives so many identity-related crimes has gotten worse. The massive compromises at Anthem and Premera alone put a combined 91 million records in harm’s way. With more information “out there” than… Read More

Could This Mortgage Innovation Help You Buy a Home?

Mortgages

Could This Mortgage Innovation Help You Buy a Home?

Could This Mortgage Innovation Help You Buy a Home?

Would you buy a home for a discounted price if you had to surrender much of the gains when you sold it someday? That’s the premise behind an innovative new housing strategy called “shared equity.” It sounds a bit like a hybrid between buying and renting. Buyers who couldn’t otherwise be able to afford a home… Read More

What to Do If Your Car Loan Outlasts Your Car

Auto Loans

What to Do If Your Car Loan Outlasts Your Car

What to Do If Your Car Loan Outlasts Your Car

What happens if your car loan lasts longer than your car? While you may have every intention of driving a car long after it’s paid off, an accident (and inadequate insurance), expensive repairs, or mysterious problems your mechanic can’t fix could leave you with a vehicle that’s out of commission even though you’re still making payments. … Read More

6 Ways to Make Your Summer a Savings Success

Personal Finance

6 Ways to Make Your Summer a Savings Success

6 Ways to Make Your Summer a Savings Success

It’s usually in January when we check in on our finances, set some goals and move on with our lives. By the time summer rolls around, many of us have fallen off track or gotten too caught up in the nice weather to remember where our priorities lie. But it’s not too late for those… Read More

Is a Biweekly Mortgage Payment a Bad Idea?

Mortgages

Is a Biweekly Mortgage Payment a Bad Idea?

Is a Biweekly Mortgage Payment a Bad Idea?

Biweekly mortgage payments certainly sound like a great idea. Paying half your mortgage every two weeks instead of a full payment once each month actually can save you many thousands of dollars over the life of a mortgage, and allow you to cut years off that 30-year loan. Sadly, as with many financial instruments that… Read More

Do You Really Understand Your Mortgage APR?

Mortgages

Do You Really Understand Your Mortgage APR?

Do You Really Understand Your Mortgage APR?

Everyone wants to know they’re getting a fair and reasonable mortgage offer. The federal government supports the annual percentage rate disclosure (APR) as the benchmark barometer of loan cost when mortgage shoppers begin their quest to find a good deal on a home loan, which is why it’s so important to understand what goes into a… Read More

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