Private money loans – or simply private money – is a term used to describe a loan that is given to an individual or company by a private organization or even a wealthy individual. The organization or the individual is known as a private money lender. Loans from mom, dad, and great-granddad also fall into … Read more
Christmas is one season that sparks excitement and anticipation. It is time to come together as an extended family, decorate Christmas trees, exchange gifts, and generally have fun. All these festivities require spending money, and, if you did not adequately plan for Christmas, you can end up spending more than you can afford leading to … Read more
If you are a student or the parent of a student, student loan payments may be on your mind. There are very few graduates who don’t have student debt to be repaid after graduation. Fortunately, there are ways to make student loan repayments more manageable and put you in a better position to service your loans. … Read more
If you already have a home in these economic times and you want to save more money or have some extra cash, you might want to check your home equity line of credit or HELOC. A HELOC is a loan that lets you borrow against the value of your home to a certain degree. You … Read more
Credit cards have always been a great companion for many, especially as they provide a quick and easy way to make transactions. Moreover, they offer a wide range of perks, depending on the type of card and company you choose. Because of the variety of benefits offered by these cards, many people continue to use … Read more
A lot of people shy away from the idea of buying a house, simply because the mortgage process is complex. In addition to a down payment, there are also other things to consider like credit rating, income stream, and application process. Signing up for a mortgage isn’t that hard, as long as you know what … Read more
There are a lot of credit card options out there, and each of them comes with its own laundry list of bonuses. Some offer big sign-up bonuses, and this could be very enticing to prospective cardholders. However, while the perks can be exciting, there are also downsides to credit card sign up bonuses. When looking … Read more
By shopping online, you can find the best deals, and get your items delivered right to your door without having to leave the comfort of your own home. Online shopping is convenient, but convenience always has a price. As the number of online shoppers has grown, so have the threats, with more and more criminals … Read more
Every American wants to live the “American Dream,” which includes owning a home for themselves. A house is an investment that can bring you peace of mind and offer great economic and financial benefits, such as growing your wealth over time and tax benefits. That being said, the American homeownership environment is ever-changing and complex. … Read more
When it comes to buying a home, there are a lot of small financial things you need to take into consideration. Adding all these small things together may add up to an amount you did not plan for and may become a burden. That is why it is crucial that you do your homework so … Read more
Keeping some money aside for a rainy day is an old practice. Even today, having an emergency fund can save you big time, especially when life hits you with the unexpected. If you have been struggling to cover your bills and you end up finding yourself in a position where you cannot cover unexpected expenses, … Read more
The most essential aspects of any business, big or small, are record keeping and expense tracking. These are some of the reasons why you would should hire a certified public accountant (CPA)for your company. A CPA is not an enrolled agent or accountant. CPAs are tax experts and their main work is to help with filing … Read more
Student loan refinancing is the process of getting a new lender to pay off your existing loans through the issuance of a new loan at a lower interest rate. This practice helps to save you money in the long run. Refinancing your loans depends on whether you will find a rate that will make a … Read more
One of the most vital financial choices you’ll make is buying life insurance. It not only helps the loved ones you leave behind, but it can also be a valuable tool long before then. You need life insurance if you have kids or other loved ones who depend on the money you receive. Its main objective is … Read more