3 Credit Cards That Reward You for Being Responsible

Credit Cards

3 Credit Cards That Reward You for Being Responsible

3 Credit Cards That Reward You for Being Responsible

One reason many people dislike credit cards is that often, they impose harsh interest rates and fees when cardholders carry debt or miss payments. For example, most cards charge a late payment fee equal to the minimum payment or $25, whichever is less, and up to $35 for subsequent late payments. In addition, cardholders who pay… Read More

6 Savings Tricks That Can Backfire

Personal Finance

6 Savings Tricks That Can Backfire

6 Savings Tricks That Can Backfire

While reviewing your finances, you may struggle to find reasons why your budget isn’t working. Everyone loves saving money, but the way you cut back can make a big difference. In fact, certain budget habits can actually cost you dearly. Even the best saving intentions can lead to financial flubs, it’s all about executing them… Read More

Police Hope Software Will Stop Crime Before It Happens

Identity Theft

Police Hope Software Will Stop Crime Before It Happens

Police Hope Software Will Stop Crime Before It Happens

The promise to local police departments is simple: Buy our software, and we will help you prevent crime before it happens. How? Through a social media “listening lens.” Called “SnapTrends,” the web-based service sifts through every Facebook status, Tweet, Instagram photo, YouTube video and other social media post within a designated area. That “listening lens”… Read More

How the Internet Could Open Up the Housing Market to Everyone

Mortgages

How the Internet Could Open Up the Housing Market to Everyone

How the Internet Could Open Up the Housing Market to Everyone

For decades, the U.S. has had two de facto mortgage systems: one that supports relatively easy access to homeownership for more affluent homebuyers and one that undermines affordable homeownership for low- and moderate-income (LMI) borrowers and often people of color. Now, advances in online lending – considered by some to be a potential solution to… Read More

How to Think Like a Rich Person

Personal Finance

How to Think Like a Rich Person

How to Think Like a Rich Person

Simply thinking about becoming wealthy isn’t likely to get you very far, but thinking like the rich is critical if you want to build wealth, says Steve Siebold, who wrote the book How Rich People Think. Here he shares five key ways the wealthy think differently about money and credit. 1. Leverage Creates Wealth “On… Read More

5 Ways to Save on Rent

Personal Finance

5 Ways to Save on Rent

5 Ways to Save on Rent

Finding an affordable place to live can be tough — especially one that satisfies all your needs in a good area with at least some of your additional wants. Once you decide it is more financially feasible to rent than buy, you can begin your search. If you find the rental you are looking for, it’s… Read More

What If You Can’t Pay Your Medical Bills?

Personal Finance

What If You Can’t Pay Your Medical Bills?

What If You Can’t Pay Your Medical Bills?

If you or a loved one has ever experienced a serious illness, you know how quickly the medical bills can pile up. One day, it’s a bill for services rendered by the anesthesiologist. The next day, the radiologist wants his cut. Wasn’t this all supposed to be included in the hospital bill? Fortunately, limits on out-of-pocket… Read More

7 Ways to Slash the Cost of Car Repairs

Auto Loans

7 Ways to Slash the Cost of Car Repairs

7 Ways to Slash the Cost of Car Repairs

While you’re cruising down the highway, a tiny light comes on on your dashboard. You dismiss it because it’s only the oil change icon, and you can afford to stretch it for a few hundred miles. And then another one appears. This time, it’s the check engine icon. Panic mode instantly sets in. The last time… Read More

Why Mortgage Payments for New Homebuyers Could See a Big Jump

Mortgages

Why Mortgage Payments for New Homebuyers Could See a Big Jump

Why Mortgage Payments for New Homebuyers Could See a Big Jump

Proposed changes to requirements for private mortgage insurance could increase mortgage costs for many homebuyers, particularly borrowers with relatively poor credit, according to a new report from the Urban Institute and Moody’s Analytics. Borrowers are required to get private mortgage insurance (PMI) when their down payment is less than 20% of the home’s value, to… Read More

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