What Exactly Is Mortgage APR?

Mortgages

What Exactly Is Mortgage APR?

What Exactly Is Mortgage APR?

Mortgage interest rate and mortgage APR (annual percentage rate) while related, are not the same. You’ll see both listed for mortgages. For example, you may see a 30-year fixed-rate mortgage with an interest rate of 4.250% and an APR of 4.385%. The interest rate is the interest you pay on your home loan. The APR... Read More

The Perks of Online Banking

Personal Finance

The Perks of Online Banking

The Perks of Online Banking

A recent survey  found that at least two-thirds of American adults primarily use online banking. If you are one of those Americans, then the chances are that you enjoy online banking because of the convenience it offers. Through an online banking portal, you can: Pay your bills Set up a savings account Transfer money between... Read More

What You Need to Know About Filing Taxes Jointly

Taxes

What You Need to Know About Filing Taxes Jointly

What You Need to Know About Filing Taxes Jointly

As a married couple, you and your spouse have the option of filing taxes jointly or separately. The IRS does encourage you to file your income tax returns jointly by providing a host of resources and incentives to do so. There are a lot of advantages to filing taxes jointly. However, there are also some... Read More

Creative Ways to Save this Valentine’s Day

Personal Finance

Creative Ways to Save this Valentine’s Day

Creative Ways to Save this Valentine’s Day

Valentine’s Day is quickly approaching, and hopeless romantics are likely thinking of ways to show how much they love their significant other. If you have someone special in your life, you probably want to show them your affection by buying them a gift or taking them out for a fancy dinner. Whatever you decide to do,... Read More

How Often Do Consumers Use ATMs?

Personal Finance

How Often Do Consumers Use ATMs?

How Often Do Consumers Use ATMs?

You may agree that there are very few things in this world as annoying as your money costing you money. That’s precisely what happens when you use an ATM to make a withdrawal, deposit or check your bank account balances. The fees are pretty high when you use an ATM that isn’t operated by your... Read More

My Mortgage Was Denied – Now What?

Mortgages

My Mortgage Was Denied – Now What?

My Mortgage Was Denied – Now What?

According to data from the Federal Bureau of Consumer Financial Protection, about one out of every nine loan applications to buy a new house (10.8%) and more than one in every four loan applications to refinance a home were denied in 2018. There are lots of reasons someone may be denied for a mortgage. It’s... Read More

How Can I Earn Extra Credit Card Rewards This Year?

Credit Cards

How Can I Earn Extra Credit Card Rewards This Year?

How Can I Earn Extra Credit Card Rewards This Year?

The average American spent approximately $850 on gifts during the 2018 holiday season. While it’s true that the holiday season is one of the most fun times of the year, it’s also one of the most expensive. If you spend wisely, you can earn lots of cash back by taking advantage of your credit card... Read More

Saving Money for Big Purchases in 2019

Personal Finance

Saving Money for Big Purchases in 2019

Saving Money for Big Purchases in 2019

Saving money for big-ticket items isn’t that difficult if you give it enough time and planning. It does require some discipline. You may have already decided that 2019 will be the year you finally take your family on that week-long African safari. You have done your research, and you know that you’ll need to save... Read More

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