Student Loan Advice – How to Not Break the Bank

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

Check Out These Tips for Credit Card Expense Tracking

Sometimes spending on a credit can feel like you’re not spending anything at all, and that can cause some major trouble in your finances. Credit cards are more prevalent now than ever before and there’s no getting away from them. While they make for a more accessible way of spending and are great for building … Read more

HELOC Eligibility – Learn What it Takes to Qualify

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

What Does the Future of Credit Cards Hold?

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

Mortgage Application Tips – See Here

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

Things to Know About Cashback Categories

Cashback is one of the most popular credit card rewards as it lets you spend money and earn money back at the same time. For example, if your credit card offers 5% cash back on all purchases, a $10 purchase will give you $0.50 back. Several online stores also offer various cashback promotions. The rewards … Read more

How to Maximize Credit Card Rewards When Traveling

Using a credit card has many advantages. Beyond convenience, you can earn credit card rewards such as cashback or miles points. If you prefer perks for travel, a travel rewards credit card is best for you. Paying through cash or a debit card only leads you to spend money without getting anything in return. However, … Read more

What Exactly Is a Penalty APR? Learn Here

Have you ever been late on a credit card payment, just to see your interest rate soar out of control? If yes, then a penalty APR is most probably the culprit. A penalty APR is one of the lesser-known and most costly consequences of a late credit card payment. It’s a higher annual percentage rate … Read more

Learn How to Prevent Identity Theft Online

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

Check Out These Best Tips for Making On-Time Credit Card Payments

Sometimes you get caught up in a million different things that you may forget to pay your credit card bill on time. However, this mistake should not be repeated as falling behind on your credit card bill payments can negatively affect your credit score. Credit card companies generally share your credit card payment details with significant consumer credit … Read more

Things to Know About the Flat Rate Credit Card

Having a credit card is great as it allows you to stroll cash-free when you’re shopping or traveling. The only thing that makes a credit card confusing is the processing rates, which are a little overwhelming if you’re new to them. Processing rates differ per card, as some have tiered pricing or membership pricing. Figuring … Read more

Learn How Payment History Affects Credit Scores

They say it’s all about timing, and it’s particularly true when it comes to paying for loans. The most significant factor weıghıng in your credit score is paying back your credit card and loan balances on time. Your credit score is used by lenders and creditors to decide whether to offer you products including mortgages, … Read more

What Are the Tax Benefits of Owning a House? See Here

There are several benefits you can enjoy when you become the owner of a house, including ways you can use the costs of your home as a tax deduction. Most of the time, your realtor will point out these types of benefits to new home buyers, especially if they are first-time buyers. Read on to … Read more