The State of Housing Confidence in 2018

Mortgages

The State of Housing Confidence in 2018

The State of Housing Confidence in 2018

Owning a home was once a time-honored life milestone. Buying real estate was simply what you did as an adult in America, and for many people home ownership was the ultimate indicator of life success and social status. But, times have changed. Today, less people are buying houses. According to Fannie Mae, a mere 24... Read More

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Credit Cards

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Swipe, insert, or tap — sound familiar? According to recent research, 66 percent of all point-of-sale transactions are completed by card. And this number is expected to grow with technological developments and time-conscious consumers looking for the fastest payment method. Yet, there are still many businesses that don’t accept credit cards as a form of... Read More

How the New FAFSA App Can Help Students

Student Loans

How the New FAFSA App Can Help Students

How the New FAFSA App Can Help Students

The Free Application for Federal Student Aid (FAFSA) is notoriously difficult. With over 100 questions about detailed family financial history, it has consistently low completion rates. In fact, only three out of five high school seniors complete the application and one out of seven students eligible for financial aid, who enroll in college, do not... Read More

Budgeting for Beginners

Personal Finance

Budgeting for Beginners

Budgeting for Beginners

Ah, budgeting. Perhaps the concept is new to you or maybe you’ve tried in the past but weren’t as successful as you’d hoped you’d be. In any case, budgeting is not easy — but it is extremely important. It is best to think about budgeting as a marathon, not a sprint. And doing it successfully... Read More

How Much Do Americans Actually Know About Credit Scoring?

Credit Score

How Much Do Americans Actually Know About Credit Scoring?

How Much Do Americans Actually Know About Credit Scoring?

Every year, the Consumer Federation of America (CFA) and VantageScore Solutions work together to produce the Annual Credit Score Survey. This survey examines how much Americans actually know about the credit system. With the average credit score reaching a record high of 700 last year, Americans might know a lot more than we think. The... Read More

6 Creative Ways to Lower Your Debt-to-Income Ratio

Personal Finance

6 Creative Ways to Lower Your Debt-to-Income Ratio

6 Creative Ways to Lower Your Debt-to-Income Ratio

If you’re struggling to qualify for a personal loan, your debt-to-income (DTI) ratio could be to blame. Your DTI, often expressed as a percentage, compares your debt payments with your gross income each month. Loan companies look closely at your DTI before approving your application. If the ratio is high, lenders take it as a warning sign that you might... Read More

Should You Use Your Credit Card for Wedding Expenses?

Credit Cards

Should You Use Your Credit Card for Wedding Expenses?

Should You Use Your Credit Card for Wedding Expenses?

With the cost of weddings skyrocketing, couples are turning to alternative methods to pay for their big day. Nearly three-quarters of couples planned to take on debt for their nuptials, according to a Student Loan Hero survey, and 61 percent said they planned to use credit cards to cover some of their expenses. Using a credit... Read More

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