5 Things to Do After Bankruptcy

Managing Debt

5 Things to Do After Bankruptcy

5 Things to Do After Bankruptcy

So you filed for bankruptcy and received your discharge. Whether you have a Chapter 7 (a “simple” bankruptcy) or Chapter 13 (debt repayment plan) bankruptcy, it’s a good idea to make sure you do the following things once your case is finalized. 1. Collect & Preserve All Paperwork From Your Case You should have received… Read More

Can You Get a Credit Card With No Salary?

Credit Cards

Can You Get a Credit Card With No Salary?

Can You Get a Credit Card With No Salary?

Molly wants a new credit card and has her sights set on one issued through a community bank. But there’s a problem: She doesn’t have an income, at least not in the traditional sense. “My income is almost all from investments,” she wrote in an email. “My business actually runs at a deficit, and gross… Read More

What Is Amortization?

Mortgages

What Is Amortization?

What Is Amortization?

Calculating how much home you can afford can be difficult and feel overwhelming. You need to consider how much down payment your finances allow as well as the monthly payments you can realistically make before finding the right home. One term you will hear during the mortgage phase of buying a home is amortization. It’s… Read More

FICO vs. FAKO: What’s Your Real Credit Score?

Credit Score

FICO vs. FAKO: What’s Your Real Credit Score?

FICO vs. FAKO: What’s Your Real Credit Score?

There are a lot of different credit scores out there, and this has naturally led some consumers to ask: Which scores should I pay attention to, and what’s my real credit score? People gravitate to the well-known FICO score, by all accounts the market leader in credit scores (meaning more banks use FICO scores than other scores). In… Read More

7 Things You Didn’t Know Could Expire — But They Do

Personal Finance

7 Things You Didn’t Know Could Expire — But They Do

7 Things You Didn’t Know Could Expire — But They Do

All good things must come to an end. That applies to you and probably a lot of the stuff filling your home. While stocking up can seem like a smart move, not everything can be stored indefinitely. 1. Cleaning Products How many of you have ancient cleaning supplies buried under your sink? It’s OK. You can… Read More

6 Reasons to Make a Larger Down Payment

Mortgages

6 Reasons to Make a Larger Down Payment

6 Reasons to Make a Larger Down Payment

Deciding how much down payment to make when buying a home can be a challenge — and it can make a big difference in how much your home costs you. The amount of money you pay upfront determines how much your mortgage payment is. If you can afford to make a down payment that is larger… Read More

What to Do If You’re Still Underwater on Your Mortgage

Personal Finance

What to Do If You’re Still Underwater on Your Mortgage

What to Do If You’re Still Underwater on Your Mortgage

Deciding how much mortgage you can afford can have some major consequences if it turns out you were wrong. If your mortgage bills are piling up faster than you can pay them and your house isn’t worth what you owe, you may be thinking of scary scenarios like losing your home through foreclosure, or a plunging credit score. You… Read More

5 Things New Parents Should Consider When Buying a Home

Mortgages

5 Things New Parents Should Consider When Buying a Home

5 Things New Parents Should Consider When Buying a Home

While the process of homebuying can be a challenge for everyone to navigate, parents have specific needs in a property that other buyers do not. Budgeting and planning change when you become a parent. Property decisions are affected just as much by the introduction of children. When you have (or about to have) kids and… Read More

10 Strategies to Save Big Bucks at Amazon

Personal Finance

10 Strategies to Save Big Bucks at Amazon

10 Strategies to Save Big Bucks at Amazon

What’s not to love about Amazon? OK, I am sure someone can tell me why they don’t love Amazon, but I’ll be the first to raise my hand and say I’m a fan. In fact, thanks to Amazon, my husband and I did 99% of our Christmas shopping for the kids last year while sitting… Read More

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