Military Familes: Does the Government Owe You a Bunch of Money?

Personal Finance

Military Familes: Does the Government Owe You a Bunch of Money?

Military Familes: Does the Government Owe You a Bunch of Money?

After a veteran dies, he or she technically no longer has a claim to disability benefits. However, there are certain circumstances in which a widow, widower or surviving child may be entitled to accrued benefits — or money — from the Department of Veterans Affairs (VA). If you’re not sure whether you’re eligible, it’s worth… Read More

How Not to Blow a Financial Windfall

Managing Debt

How Not to Blow a Financial Windfall

How Not to Blow a Financial Windfall

The Wall Street Journal recently published a story about two people who were awarded substantial financial settlements for injuries and hardships, only to lose it all not long afterward. In each case, the person had sacrificed a good portion of his structured settlement — recompense that’s typically designed to be paid over time — to… Read More

How to Pick the Right College

Students

How to Pick the Right College

How to Pick the Right College

College is a time of self-discovery, intellectual adventure and social exposure — but not every school is right for every student. Preparing for higher education involves long-term saving, hard work and lots of research. When you are entering the final stretch of high school, the time has come to make a decision. Picking which university is… Read More

10 Least Affordable Places to Rent

Managing Debt

10 Least Affordable Places to Rent

10 Least Affordable Places to Rent

In most of the country, you can afford a median-priced home if you make the median household income in that area. That is completely untrue in San Francisco. Just meeting the mortgage payments on a median-priced home in San Francisco County (assuming a 10% down payment), would take 101% of the median household income. Yep: 101% of… Read More

How to Adjust Your Budget When Your Income Drops Off

Personal Finance

How to Adjust Your Budget When Your Income Drops Off

How to Adjust Your Budget When Your Income Drops Off

Suppose the first thing your boss says tomorrow is, “Sorry, but I’m cutting you back to 28 hours a week.” How long before you couldn’t pay your bills? Sometimes bad stuff happens to good workers. No one wants to think about a major income drop, but getting ready now means that you won’t be quite… Read More

Do You Have to Get a 30-Year Mortgage?

Mortgages

Do You Have to Get a 30-Year Mortgage?

Do You Have to Get a 30-Year Mortgage?

You have found your dream house and can’t wait to start your new life — but you probably aren’t as excited for the monthly payment part. For many people, becoming a homeowner means taking out a mortgage. But figuring out which mortgage is best for you can be tricky. You will hear a lot of… Read More

4 Steps to Cut Your Cellphone Bill in Half

Personal Finance

4 Steps to Cut Your Cellphone Bill in Half

4 Steps to Cut Your Cellphone Bill in Half

We pay a lot for our cellphone obsession. According to the market research company JD Power, the average American cellphone bill is $70 for a single user and $155 for a family. Most surveys, including one Nielsen released last month, conclude that about two-thirds of Americans own smartphones. But we can save money and still… Read More

The 5 Most Annoying Things About Buying a Home

Mortgages

The 5 Most Annoying Things About Buying a Home

The 5 Most Annoying Things About Buying a Home

When you are looking to enter a new living situation, the rent vs. buy decision can be difficult to make. While your specific situation dictates which option is best for you, many Americans find themselves purchasing a home at least once in their life. In fact, it is likely the biggest financial choice you will… Read More

4 Non-Banks Where You Can Get a Mortgage

Mortgages

4 Non-Banks Where You Can Get a Mortgage

4 Non-Banks Where You Can Get a Mortgage

Getting a home loan doesn’t require a trip to the bank. In fact, 37.5% of mortgages originated in 2014 came from non-bank lenders, according to Inside Mortgage Finance. That share has grown significantly in the last few years, but it’s not a new concept. Non-bank lending declined dramatically during the mortgage crisis, but the current… Read More

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