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Loan Amortization Calculator - A Free Online...
Loan Amortization Calculator A Loan Amortization Calculator For Any Purpose The loan amortization calculator
How and Where Do You Cash a Money Order, Anyway?
Received a payment? You can cash money orders or deposit them just like checks. Learn how and where to do it.
How to Write a Check - Step by Step with Pictures
Get tips (and examples) for writing a check. Checks are still an important form of payment, and you need to know how to fill one out.
Do You Know the Difference Between a Money...
Question: What's the difference between a money order and a cashier's check? Learn how these payment choices compare.
Not Balancing Your Checking Account? It Could...
It is important to balance checking accounts regularly. You'll reduce the chance of bouncing checks, you'll pay less in fees, and you'll know if somebody is stealing your identity. How do you balance checking accounts? See our simple step-by-step process on balancing the books.
Need a Money Order? Here's Where to Go
See where to get money orders, including post offices, retail stores, and financial institutions.
What are all those numbers on a check?
Learn all of the parts on a check, and what they're used for. Find out what those numbers on your check mean, and how best to fill in a blank check.
What's the APR on a loan and how do you...
Annual Percentage Rate (APR) helps you compare loans and understand costs. It won't give you a perfect answer, but it's as close as you can get to an apples-to-apples comparison among lenders. Find out how APR works and how it's calculated.
Need a Voided Check? See how to Get One
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Understanding the Numbers on Your Check
Learn where to find the account number on a check, along with other important numbers needed for linking your bank account.
5: Sign and Write a Memo
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 5.
How (and Why) to Provide a Voided Check
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4: Writing Out the Amount
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 4.
One Thing You Should (Almost) Never Write on a...
Paying to cash is a way to write a check without including the recipient's name. Learn how it works and what the risks are.
Why use a wire transfer to send money?
When you need to send money fast, a bank wire transfer is a good choice. Find out how they work.
What You Need to Know Before Getting a Home...
Home equity loans let you borrow against your home's value. They can be used for any purpose, they come with relatively low interest rates, and they may offer tax benefits. Learn more about how home equity loans work.
1: Date and Payee
A tutorial showing how to write a check. See each step, find out how to keep your account safe while you use checks, and look at alternatives to writing checks.
Everything You Need to Know about Cashier's...
See how to use cashier's checks, how much they cost, and what the risks are.
How Fast Is Money Deducted After Writing a Check?
Does the money need to be in your account after you write a check? It's a really good idea to have it there. The check may be deposited faster than you think.
ABA Numbers: What They Are, How They Work, and...
Learn about the American Bankers Association (ABA) number, which makes it possible to transfer funds from bank to bank.
Can you Write a Check to Yourself? Sure, but...
Can you write a check to yourself? You bet. See how to do it, and see other ways to move money and get cash in your hands (you might not need to write a check).
There's More Than One Way to Endorse a Check
You've got a check to deposit. Do you need to endorse checks before they go to the bank? Learn how to endorse checks - if you even need to - and how to minimize risks.
What Is a Bank Draft?
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What's So Special About a Notarized Document?
When a document is notarized, it has been signed in front of somebody who verified that the signature is valid, and presumably the signer truly intended to sign (and understood the significance of that signature). Learn more about notarized documents and where to get them.
Calculating Interest: How Much Will That Loan...
You may want to calculate loan interest costs as you evaluate loans. Different interest rates, loan terms, and fees can affect your total cost, so it’s important to pick the right loan. You can calculate loan interest with an online calculator or you can do the math yourself.
6: Extra Caution
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 6.
APR Calculator - A Free Online Tool to Evaluate...
This APR calculator helps you figure out the annual percentage rate (APR) on a mortgage (or other type
2: The Amount of Your Check
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 2.
How do you Send or Receive Money with a Wire...
Wire transfers are the fastest way to send 'cleared' funds. See how to send or receive money
What You Need to Print Your Own Checks
Printing your own checks helps you pay quickly and track expenses. The easiest way to do it is to order partially printed checks, but you can create checks from scratch if you want.
How to Close Your Bank Account in Writing
Use this letter to have your bank account officially closed.
The Best Ways to Transfer Money Between Bank...
Need to transfer money from one bank to another? There are a few electronic options, or you can use good old-fashioned paper.
How Much Does a Money Order Cost, Anyway?
Money order costs vary by location, but many places sell them for around a dollar. See a list of selected locations and pricing.
Learn How Money Orders Work
When it's not safe (or possible) to pay by check or cash, money orders come in handy. Learn about the pros and cons.
What You Need to Know About Using Collateral
Collateral loans help you borrow (often at better rates), but you have to pledge assets that can be sold if you fail to repay.
How Safe Is It to Use Paypal?
Is it safe to make purchases and sell goods through PayPal? The technology is good, but you should be aware of a few risks.
7: Record in Your Check Register
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 7.
How to Make ATM Deposits
ATM deposits can make your life easier. Find out how to make a deposit, what you'll need, and what the potential problems are.
How to Spot Cashier's Check Fraud
Cashier's check fraud is one of the most popular crimes in the internet age. Once thought to be safe, these checks now require extra attention. Learn the red flags.
Your Choices for Emergency Cash Loans
Emergency cash can come from a variety of places. Ideally you'd borrow from yourself (your emergency fund), but if you need to get a loan, you've got a few choices.
What's the Deal With First-Time Home Buyer Loans?
For your first home purchase, you might benefit from a first time home buyer loan. But there are always strings attached. Learn how these programs work and whether or not they make sense for you.
Get Up to Speed on the Most Common Types of Banks
You may hear of different types of banks: investment banks, retail banks, commercial banks, online banks, and others. What do all the words mean? Different types of banks specialize in different lines of business. See the basics on each type of bank.
Can You Really Sign a Check Over to Somebody...
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How to Fill Out Your First Money Order
See how to fill out a money order. Start by writing the name of the person or business you want to pay.
What Do You Do about a Lost or Stolen Cashier's...
What do you do about a lost or stolen cashier's check? How about a check that you decided not to use? Find out the steps required to get your money back. You can't just stop payment unfortunately.
3 Reasons NOT to Use Online Bank Accounts
Online bank accounts are great. They typically offer high rates for web-savvy saver. However, the high returns come at a cost. Here are a few reasons NOT to use online bank accounts.
Can I Use a Debit Card Online? Yes, but Maybe...
You can use a debit card online, but there are reasons you might not want to. Find out about your choices and how to limit your risk.
How Do You Sell a Car You Still Owe Money On?
Is it possible to sell a car with a loan outstanding? Yes, but it's tricky. Find out what your options are when getting rid of a financed auto.
Learn the Basics of FHA Loans
FHA loans are appealing for several reasons, but they're not perfect. These loans allow you to buy with a small down payment, and they're easier to qualify for. Find out how they work.
Student Loan Consolidation FAQ
Student loan consolidation lets you gather several loans in one place. There are a number of ways to do it and things to watch out for, so educate yourself before you do anything.
How do you Write Dollars and Cents on a Check?
See how to write a check, including how to write the number of cents correctly.
3: The Amount of Your Check
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 3.
How to Get a Credit Union Loan
Credit union loans are among the most competitive loans available. How can you get one? You just need to join a credit union (if you're not already a member) and apply.
What Every Student Should Know About Paying for...
Student loans are a way to pay for higher education. Whether you love debt or you hate it, student loans are an investment in your future. They can make an education possible when there is no other way. This page covers the basics of student loans and points you towards additional resources.
How can you tell if a check is going to bounce?
Can you verify funds on a check somebody writes you? It may be helpful to know if the check will bounce ahead of time. You can avoid bank fees if you verify funds, and you can start taking steps to collect a valid payment from the person.
Learn How Loans Work Before You Borrow
When you borrow money, it’s important to know how loans work. With more information, you can save money and make better decisions about debt - including when to avoid it. Learn how loans work before you start borrowing.
Who Signs a Check Made Payable to Multiple...
Some checks are made payable to multiple people. For example, a check may be written to a husband and wife. The right way to endorse these checks depends on how they're written.
Opening a Bank Account for the First Time?...
Need to open a bank account? This checklist guides you through the process. Learn which accounts are available and how to get it done.
How and Where to Cash a Check
Instructions for cashing a check: where to go, what to watch out for, and alternatives to getting cash right away.
4 Ways to Get a Loan With Bad Credit
It's hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. Find out how to avoid expensive traps, and how to improve your chances.
Pros and Cons of Rent to Own: Is it a Good Deal?
Rent to own transactions allow a buyer and seller to do a deal at some point in the future. Find out how they work and what to watch out for.
Second mortgages provide access to lots of...
A second mortgage provides access to large amounts of money at relatively low rates. Read about the pros and cons of using a second mortgage.
How to Make Payments with a Money Order
Not sure how to pay for something with a money order? See an overview of the entire process.
How Borrowers Benefit From a Co-Signer
If you apply for a loan and don't qualify, you may need a co-signer. Adding that person's strong credit or income may help you get approved.
A Quick Guide to Understanding Letters of Credit
A letter of credit is a promise to pay, issued by a bank. LOCs are common in international trade, but can also be used for domestic transactions.
The Beginner's Guide to Getting a Loan
Learn what it takes to get a loan: the borrowing process from start to finish.
How do you spell electronic payment? A-C-H
ACH payments can help reduce errors, speed things up, and save resources. Learn more about the benefits and costs.
Know the Risks of a Private Mortgage
With a private mortgage, you don’t borrow from a bank. Instead, you borrow from another person or business. Whether it’s your only option, or one of many, you should understand how a private mortgage works. Find out what it takes to successfully use a private mortgage.
How to Borrow Money Without a Cosigner
When you need money and you can’t get anybody to vouch for you, you’ll have to get a loan without a cosigner. This means you’re the only one responsible for the loan, and you have to convince the bank you’re good for the money. Figure out what lenders want so you can get loans without cosigners.
How and Where Do You Deposit Checks, Anyway?
So you need to deposit a check. It may be the first time, or it may have been so long that you forgot how to deposit checks. Make sure you know your options, including where to go, where not to go, and how technology makes it easier to deposit checks.
Whether earning or paying, what is interest?
What is interest? It's the cost of using somebody else’s money. When you borrow money, you pay interest. When you lend money, you earn interest. Learn more about what interest is and how it works.
Bank or Credit Union: Which One Is Right for You?
Need a new account, and you're not sure where to go? Both banks and credit unions can probably help you, but there are minor differences.
4 Types of Unsecured Loans and How to Use Them
Unsecured personal loans can be used for almost anything. Learn what the options are and find out how to get one of these loans.
What to do with Returned Checks and How to...
A returned check is a check that the bank does not honor. Find out what to do with these checks and how to prevent them.
Why Your Bank Balance Doesn't Tell the Whole...
Your available balance is what your bank will let you spend, but it might be less than you expected.
What Happens Check Amounts Don't Match?
The amount of a check should be written two ways to avoid confusion. First, the amount is entered using numerical digits. Next, the amount is written out using words. What happens when these amounts don't match? You've got a problem.
The One Kind of Loan You Should Never Try
Payday loans are short-term loans that are easy to get, but they are often expensive. Find out what to expect and see alternatives.
What's a mortgage and what flavors are available?
A mortgage is an agreement that allows a lender to seize property when a borrower fails to pay. Find out what it means to have a mortgage.
How Simple Interest Works with Your Money
Learn how simple interest works and how to calculate it - with and without the help of calculators.
What's the Best Way to Get Cash Into the Bank?
Got cash? Learn how to deposit it into your bank account (with a few extra tips).
How to Use the Excel Loan Calculator
Running numbers is easy with an Excel loan calculator. Microsoft Excel includes built-in tools and formulas so you can get information quickly. See all the details about your loan and figure out how to repay it early.
What can APR tell you about a loan?
Learn what APR means when you borrow money. Compare the cost of loans with the Annual Percentage Rate (APR).
What You Need to Know About the FHA 203k Loan
An FHA 203k loan allows you to borrow enough to finance a home and make improvements. What's the drawback? FHA 203k loans bring additional costs and requirements.
How (and Why) to Build Home Equity
Home equity is your share of your home's value. It is what you truly own after accounting for any loans against the house.
Know What You Owe: How to Calculate Loan...
When getting a loan, it helps to calculate loan payments and costs. Use that information to compare loans and determine which one fits your needs. You can calculate loans yourself using formulas, or use an online calculator. Learn your options and how to calculate loan specifics.
How to Make Sure a Check Won't Bounce
Is there any way to check out a check (or checkwriter) to find out if it'll bounce? Yes, you can try to verify funds or check databases of bad accounts.
Pros and Cons of Paying with a Money Order
Money orders are useful, but there are some drawbacks to using them. Find out how they compare to checks and other instruments.
What Happens When You Write a Check?
When banks clear checks, the money is taken from a checking account and sent to the check recipient's account. However, there is a lot of confusion about how quickly banks clear checks and your risks when you deposit a check.
The Hidden Cost of Using a Debit Card
POS Fees are point-of-sale fees. Banks charge POS fees when…
The Fastest Type of Letter of Credit: LC at Sight
When getting paid with a letter of credit (LC), an LC at sight is generally the fastest method.
How Much Interest Are You Paying Each Month?
Question: I’m figuring out my budget, and need to calculate monthly interest. I want to know how much I lose every month in interest. Answer: Interest rates are often quoted as annual rates. In addition, your loan balance may change every month. As a result, you really need to calculate monthly interest charges to accurately understand where your money goes.
Beginner's Guide to Amortization
Amortization is the elimination of a debt over time. With an amortization schedule, you can see how payments are applied to principal and interest. This page explains amortization, and then you can generate an amortization schedule with our free online calculator.
4 Types of Government Loans
Government loans come in a variety of flavors. You can get a government loan to go to school, buy a home, run a business, and more. This list shows the most common government loan programs.
Can you spot a money order scam?
Money order scams are common when selling items online. Before handing over merchandise, be sure you're dealing with a legitimate buyer. Be especially careful if you're asked to send money after receiving a money order.
Joining a Credit Union Is Easier Than You Think
Opening an account at a credit union is fairly easy. This page covers the three basic steps required to open a credit union account.
How to Get the Best APY
Annual percentage yield (APY) tells you how much you're earning at the bank - or how much it costs you to borrow. Learn how it works, how to calculate it, and how APY is different from APR.
Need to Mail a Check? Here's how to do it Safely
It's generally safe to send a check using regular mail. Want to make it even safer? Take a few easy steps to protect your money.
Calculate loan payments to see how loans work
Learn how to make loan payment calculations for different loans, or use a calculator to get the answer more easily.
What You Need to Know about Debt Consolidation...
Debt consolidation programs are usually just a big loan that pays off other smaller loans. They can be very beneficial to borrowers, but these programs also have their pitfalls. Read up on how you should use debt consolidation programs and how to find the best deal.
Found the Letters 'MP' on a Check? This Is What...
Personal and business checks come with a variety of security features. The letters “MP” next to the signature line tell you that you are likely to find tiny words printed in a few places on the face of a check. MP stands for microprint, and it helps you identify fake checks.
Can a debit card be used to fund PayPal...
Learn about using a debit card for PayPal transactions. What are the requirements, and how do you do it?
Students: can you borrow without a co-signer?
It's not easy to get a student loan without a cosigner, but it can be done. Learn how to get started and what to do if you get turned away.
How do you get paid when somebody fails to...
Learn how a standby letter of credit offers protection. Get paid when something fails to happen.
How CDs Help you Earn More
Certificates of Deposit (CDs) are one of the safest investment options available. Find out how they work and how you can maximize your earnings at the bank.
What is an Interest Rate on a Loan or Savings...
An interest rate is a number that tells you how much it costs to borrow money. Lenders usually want to earn something in return for handing over cash, so they name their price with an interest rate. Learn what the interest rate at your bank means for your finances.
Smart Cards with Chips Make for More Secure...
Learn about new chip cards: why they're different and how to use them.
Help! There's a Hold on My Checking Account
Does your bank place a hold on your funds? It’s important to know how a hold works, what can cause it, and what your bank’s rules are. Most importantly, you need to know how to keep your bank from freezing your entire account.
How a Line of Credit Differs from a Loan
A credit line is an available amount of money that you can borrow. What is a credit line used for? Just about anything. You can get a credit line for personal or business spending. Find out what a credit line is and how they’re used.
How to Break Up With Your Bank
It may be time to switch banks for any number of reasons. Where to you start? Use this process to change from one bank to another without missing anything.
6 Fast Facts About Credit Unions
Credit unions are similar to banks, with many of the same products and services (not to mention safety).
Bad Credit? Options for Getting an Unsecured Loan
While difficult, it is possible to get an unsecured loan even if you have bad credit. Learn what your options are and how attractive each one is.
Beginner's Guide to Online Banking
Online banking allows you to manage your money more easily, and earn a competitive return. This page helps you get started out on the right foot. Learn where online banking can help solve your problems.
Easy Ways to Track your Bank Balance
It's easy to check on your bank accounts online, and you can often do much more than just view balances.
What Banks Really Mean by "Free" Checking
Learn more about free checking account options at Chase Bank and US Bank. Information on free checking accounts and bank fees.
Deposited a Check? Don't Be Too Quick to Spend...
How long should you wait after you deposit a check -- especially if you think the check might bounce? Is it safe to spend the money immediately?
Co-signing a loan: what does that mean?
Co-signing happens when somebody promises to repay a loan if somebody else can't (or won't) make the payments. Get an introduction to co-signing from the borrower's perspective as well as the co-signer's perspective.
How to Fill Out a Deposit Slip
When you add money to your bank account you have to fill out a deposit slip. This tells the bank what to do with the funds, and helps create a paper trail for the transaction. Learn how to fill out a deposit slip so you can sail through the teller line and get everything done correctly.
How Much of Your Home Do You Really Own?
The loan to value ratio (LTV) tells you how much of a property is being financed...
A Line of Credit - Different from a Standard Loan
A line of credit is a pool of available money that you can borrow from. Find out how they work and how they differ from other loans.
How to Open a Bank Account Online - No Forms...
Most banks let you open an account online. Here's what you need to know - what you'll need, and what to watch out for.
What steps should you take to borrow money?
Borrowing money can help you do things, but it can also be complicated. If you need money, find out how to get loans and how they work. Learn the process so you know what to expect and what you can do ahead of time.
The Cost of Choosing Debit vs. Credit at Checkout
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >When you make
Need a Student Loan? Here's Where to Start
Get educated on how to get a student loan. If you need to borrow, you have a lot of options. Make sure that student loans are right for you, and find out where to start.
Why do Interest Rates Differ From Bank to Bank?
Bank interest rates are different depending on where you bank and when. Learn what drives rates so you can get the best rates available for your money.
2 Easy Ways to Pay Your Bills Online
Online bill pay can help you manage your bills without having to worry about paper bills and checks. This FAQ covers the various types of online bill pay and how you can set up online bill pay quickly and easily.
How do you Pay for "No Closing Cost" Loans?
You may see loans advertised as 'no closing cost loans'. While it may be a good deal, there is always a tradeoff (and you're always paying for the loan - one way or another). Find out how to make these loans work and when to avoid them.
The First Time Home Buyer's Guide to Mortgages
If you're considering a home purchase in the near future - or within a few years - you should brush up on your mortgage knowledge. Learn what to do before applying for a mortgage, what to watch for during the process, and how to use a mortgage after you've bought your home.
Why Is Good Credit Such a Big Deal, Anyway?
You need good credit, but what is credit? In order to improve your credit you need to know how it works, what hurts it, and how you can manage it.
What (or Who) Caused the Mortgage Crisis?
In 2007, the US economy entered a mortgage crisis that caused panic and triggered other financial problems. The mortgage crisis was a result of too much borrowing and flawed financial modeling, largely based on the assumption that home prices only go up. Greed and fraud also played important parts. Let’s review how the mortgage crisis unfolded.
Graduate Student Loans
Graduate students have only a few options when it comes to loans. Learn what they are and which ones might work for you.
How to Get a Private Loan With Bad Credit
Readers ask if it’s possible to get a private loan with bad credit. It depends who you borrow from. If you do a private loan with somebody you know, the answer is yes - as long as they’ll lend to you. If you’re looking for private student loans and you have bad credit, it’s not as easy.
6 Keys to Getting a Great Auto Loan
Get yourself and your finances prepared - long before you make an offer.
What's the point of having a savings account?
Bank savings accounts are a critical part of everybody's financial picture. If you need a safe place to keep money, a bank savings account is often a good choice. Here’s a quick review of what savings accounts are and why you might want to have a bank savings account.
Be Prepared with Online Mortgage Loan Calculators
Mortgage loan calculators help you understand your loan. This page covers several mortgage loan calculators for different types of mortgages, and different pieces of your mortgage. By running the numbers yourself, you can understand what you’re getting into. Use these mortgage loan calculators to educate yourself, save time, and get the best deal.
Can I Verify Funds on a Money Order?
Question: I sold something and was paid with a money order. I don’t know whether or not the money order is good. Is there any way to find out if the money order is legitimate?
How (and Why) to Use Direct Deposit
Direct deposit is a great way to move money electronically. You don't have to mail or sign any checks over to the bank, and your money tends to move more quickly when you use direct deposit. Read on for more information about direct deposit and setting up direct deposit for your accounts.
Confused by Amortization? Here's a Calculation...
Amortization calculations help you see how a loan is repaid. Each time you make a payment on an amortizing loan, you pay off some principal and some interest. An amortization calculation shows you how much of each is applied to any given payment. Learn how to do amortization calculations so you understand how loans work.
Tips for Getting Your Name Off the Mortgage
It's not easy to remove somebody from a mortgage. Lenders don't want to let anybody off the hook, so success is rare. Find out why, and what you can do when getting a name off the mortgage won't work.
Why Check Registers Still Matter in a Digital...
A check register is your personal record of your checking account. It’s a good idea to use your check register as a backup system even if you trust the bank. You can use the paper check registers that come with your checks, or you can use an electronic system. Let’s look at how check registers work and how you can get them for free.
If you don't pay the mortgage can lenders come...
When you don't repay a loan, you take a risk. With recourse loans, lenders can try to collect money from you in a variety of ways. With non-recourse loans, lenders can only take property that you've agreed to let them take -- such as your home in foreclosure.
Does it make sense to apply for loans jointly?
A joint loan is a loan you get with another person. It may be easier to qualify by applying jointly, but there are some pitfalls to be aware of. Learn how these loans work and the challenges that come with them.
Need a loan? Have you tried P2P lenders?
Peer to peer lending allows you to skip the bank and borrow from individuals. You can borrow from complete strangers or just use peer to peer lending services to structure loans between friends and family. This page covers how peer to peer lending works, the major services, and how you can take advantage of it.
The 4 Biggest Banks in America
Learn more about the Big 4 banks. Which banks make up the Big 4 in the US?
How to Buy US Savings Bonds
Learn how to buy US Savings Bonds. After 2012, the Treasury stopped offering Savings Bonds in paper form, but you can still purchase bonds and give them as gifts. See how it works. Page 3.
Try These Smart Strategies for Investing in CDs
CD investments allow you to grow your money safely. Learn how they work and what strategies to use for the best returns. By understanding the basics of CD investments and common pitfalls, you can avoid costly mistakes.
Car Title Loans: What you Get, What you Pay
Car title loans are short term loans against your automobile: you pledge your auto as collateral in order to get cash. For people with no other options, car title loans can be a reasonable choice. However, they're very expensive and very risky.
You Bounced a Check - Now What?
Have you bounced a check, and now you’re wondering what will happen? Find out about costs, your credit, and any legal issues that may arise.

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