Banking / Loans: Most Popular Articles
These articles are the most popular over the last month.
How to Write a Check - Step 4
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.
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.
Free Credit Report
The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. Don't be tricked into signing up for a subscription service. You can access your annual free credit report online or call to have it sent to you.
The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. Don't be tricked into signing up for a subscription service. You can access your annual free credit report online or call to have it sent to you.
How to Write a Check - Step 5
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.
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.
Annual Percentage Rate (APR)
Annual Percentage Rate (APR) is a way to compare the costs of a loan. Although it’s not perfect, it gives you a nice standard for comparing the percentage costs on different loans. This page covers the basics of APR, and how you can calculate it.
Annual Percentage Rate (APR) is a way to compare the costs of a loan. Although it’s not perfect, it gives you a nice standard for comparing the percentage costs on different loans. This page covers the basics of APR, and how you can calculate it.
FHA Loans
The Federal Housing Administration (FHA) runs several programs to promote home ownership. In most cases, FHA loans are mortgages obtained with the help of the FHA. With a small down payment, buyers can purchase a home. FHA loans make it easier for people to qualify for a mortgage, but they’re not for everybody.
The Federal Housing Administration (FHA) runs several programs to promote home ownership. In most cases, FHA loans are mortgages obtained with the help of the FHA. With a small down payment, buyers can purchase a home. FHA loans make it easier for people to qualify for a mortgage, but they’re not for everybody.
How to Write a Check - Step 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.
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.
APR Calculator - A Free Online APR Calculator
APR Calculator Calculate Annual Percentage Rate (APR) The APR calculator is intended to help you figure
APR Calculator Calculate Annual Percentage Rate (APR) The APR calculator is intended to help you figure
How to Write a Check - Step 1
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.
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.
Loan Amortization Calculator - A Free Online Loan Amortization Calculator With Data Table
Loan Amortization Calculator A Loan Amortization Calculator For Any Purpose The loan amortization calculator
Loan Amortization Calculator A Loan Amortization Calculator For Any Purpose The loan amortization calculator
How to Write a Check - Step 3
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.
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.
How to Write a Check - Step 2
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.
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.
Cashier's Checks
Cashier’s checks are checks issued by banks. Cashier’s checks are most often used when a payee is not certain that a check will clear, or when rapid settlement is necessary. Here, we’ll cover some of the details on cashier’s checks.
Cashier’s checks are checks issued by banks. Cashier’s checks are most often used when a payee is not certain that a check will clear, or when rapid settlement is necessary. Here, we’ll cover some of the details on cashier’s checks.
Annual Percentage Yield - APY
Annual percentage yield (APY) is a tool for evaluating how much a deposit earns you. Here you'll find out what is unique about APY, how to calculate it, and how to get the best APY.
Annual percentage yield (APY) is a tool for evaluating how much a deposit earns you. Here you'll find out what is unique about APY, how to calculate it, and how to get the best APY.
Savings Bonds - Overview
Savings bonds are really easy to buy. This page covers the basics of buying bonds in person or online.
Savings bonds are really easy to buy. This page covers the basics of buying bonds in person or online.
7 Steps to Open Bank Account
If you want to open a bank account, you'll want to read this roadmap. I'll cover the 7 essential steps to open a bank account, whether you want to open a bank account online or in person. You'll have an open bank account in no time.
If you want to open a bank account, you'll want to read this roadmap. I'll cover the 7 essential steps to open a bank account, whether you want to open a bank account online or in person. You'll have an open bank account in no time.
Build Credit
If you don't have a history of using credit, lenders don't know if you are a good customer. You need to build credit. Find out more about why you should get started, and we'll cover some easy ways to build credit.
If you don't have a history of using credit, lenders don't know if you are a good customer. You need to build credit. Find out more about why you should get started, and we'll cover some easy ways to build credit.
Simple Interest
Simple interest is the most basic type of interest. In order to understand how various types of transactions work, it helps to have a complete understanding of how interest works. We'll cover the basic idea, the simple interest calculation, and the limitations of simple interest.
Simple interest is the most basic type of interest. In order to understand how various types of transactions work, it helps to have a complete understanding of how interest works. We'll cover the basic idea, the simple interest calculation, and the limitations of simple interest.
First Time Home Buyer Loans
First time home buyer loans allow buyers to get into a house more easily. However, just because you’re a first time home buyer doesn’t mean you should use a first time home buyer loan. These programs have restrictions and strings attached. While they are a perfect fit for some, first time home buyer loans are the wrong choice for others.
First time home buyer loans allow buyers to get into a house more easily. However, just because you’re a first time home buyer doesn’t mean you should use a first time home buyer loan. These programs have restrictions and strings attached. While they are a perfect fit for some, first time home buyer loans are the wrong choice for others.
Debt Consolidation Programs
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.
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.
Online Bank Account Cons
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.
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.
Letter of Credit
A letter of credit is a promise to pay. Banks issue letters of credit as a way to ensure sellers that they will get paid as long as they do what they've agreed to do. Letters of credit are common in international trade because the bank acts as an uninterested party between buyer and seller.
A letter of credit is a promise to pay. Banks issue letters of credit as a way to ensure sellers that they will get paid as long as they do what they've agreed to do. Letters of credit are common in international trade because the bank acts as an uninterested party between buyer and seller.
I Need Money Blues
At some point in our lives, we all reach the point where we say “I need money”. If you’re at that point, here are some ideas on getting the money you need. I hope to steer you in the right direction and cure the "I Need Money Blues".
At some point in our lives, we all reach the point where we say “I need money”. If you’re at that point, here are some ideas on getting the money you need. I hope to steer you in the right direction and cure the "I Need Money Blues".
Cashier's Check Fraud
Cashier’s check fraud is one of the most popular crimes in the internet age. Once thought to be safe, cashier’s checks now require extra attention. Make sure you know all the red flags of cashier’s check fraud so you can avoid expensive scams.
Cashier’s check fraud is one of the most popular crimes in the internet age. Once thought to be safe, cashier’s checks now require extra attention. Make sure you know all the red flags of cashier’s check fraud so you can avoid expensive scams.
FHA Home Loan Pitfalls
FHA home loans are not perfect for all borrowers. Of course, they make home ownership a reality for a number of buyers. In fact, they’re the perfect choice for buyers with a certain profile – who might otherwise be forced to rely on predatory lenders. However, FHA home loans have some drawbacks that you just need to be aware of.
FHA home loans are not perfect for all borrowers. Of course, they make home ownership a reality for a number of buyers. In fact, they’re the perfect choice for buyers with a certain profile – who might otherwise be forced to rely on predatory lenders. However, FHA home loans have some drawbacks that you just need to be aware of.
Compound Interest Calculator - A Free Online Compound Interest Calculator
Compound Interest Calculator A Compound Interest Calculator For Savers The compound interest calculator
Compound Interest Calculator A Compound Interest Calculator For Savers The compound interest calculator
Recourse Non-recourse Loans
Recourse loans are loans that allow the lender to come after you in case you default. You can contrast recourse loans with non-recourse loans, which create more risk for lenders. Let's take a look at recourse loans, how they work, and how to identify them.
Recourse loans are loans that allow the lender to come after you in case you default. You can contrast recourse loans with non-recourse loans, which create more risk for lenders. Let's take a look at recourse loans, how they work, and how to identify them.
Print Your Own Checks
Before you print your own checks, make sure you know how to do it correctly. You can save a lot of time and money, but simple mistakes can ruin all of your gains. This page will show you how to successfully print your own checks and avoid hassles.
Before you print your own checks, make sure you know how to do it correctly. You can save a lot of time and money, but simple mistakes can ruin all of your gains. This page will show you how to successfully print your own checks and avoid hassles.
Free Credit Scores
Credit scores are important, so free credit scores are handy. Your scores affect whether or not you’ll get a loan, and how favorable the terms are. Free credit scores are hard to find though. Most companies advertising free credit scores intend to charge you sooner or later. Here are a few ideas on how you can truly get free credit scores, and a request for your ideas.
Credit scores are important, so free credit scores are handy. Your scores affect whether or not you’ll get a loan, and how favorable the terms are. Free credit scores are hard to find though. Most companies advertising free credit scores intend to charge you sooner or later. Here are a few ideas on how you can truly get free credit scores, and a request for your ideas.
ING Direct - Banking Reviews
This review covers the ING Direct online savings account. Learn the basics about the ING Direct offer, and find out about any extras.
This review covers the ING Direct online savings account. Learn the basics about the ING Direct offer, and find out about any extras.
High Yield Savings Accounts
A number of banks offer a High Yield Savings Account. What exactly does that mean, and how is it different from any other account? Let’s look at what these banks mean when they refer to a high yield savings account, and where you can find them.
A number of banks offer a High Yield Savings Account. What exactly does that mean, and how is it different from any other account? Let’s look at what these banks mean when they refer to a high yield savings account, and where you can find them.
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.
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.
CD Basics
Certificates of Deposit (CD’s) are one of the safest investment vehicles out there. Learn how they work, how to get the best CD rates, and what pitfalls to watch out for.
Certificates of Deposit (CD’s) are one of the safest investment vehicles out there. Learn how they work, how to get the best CD rates, and what pitfalls to watch out for.
Online Bill Pay FAQ
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.
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.
Internet Bank Accounts
While internet bank accounts can help you earn more interest, you have to make sure you get the right one. Compare the most common features of internet bank accounts and decide which ones are most useful to you. We’ve conducted reviews of the most popular accounts, and you’ll know exactly which internet bank account to open.
While internet bank accounts can help you earn more interest, you have to make sure you get the right one. Compare the most common features of internet bank accounts and decide which ones are most useful to you. We’ve conducted reviews of the most popular accounts, and you’ll know exactly which internet bank account to open.
Home Equity Loans
Home equity loans allow a homeowner to borrow money by pledging the house as collateral. Borrowers who want to borrow a relatively large amount of money or who don’t have good credit often find the home equity loan to be attractive. Read up on the basics and get some tips on managing your home equity loan.
Home equity loans allow a homeowner to borrow money by pledging the house as collateral. Borrowers who want to borrow a relatively large amount of money or who don’t have good credit often find the home equity loan to be attractive. Read up on the basics and get some tips on managing your home equity loan.
Savings Account Interest Rates
The Savings Account Interest Rate Scorecard highlights some of the leading savings account interest rates. It is most useful for a quick answer on where to stash your cash. If you really want the best rates, you can start here and continue on for even better deals.
The Savings Account Interest Rate Scorecard highlights some of the leading savings account interest rates. It is most useful for a quick answer on where to stash your cash. If you really want the best rates, you can start here and continue on for even better deals.
How Subsidized Loans Work
Subsidized loans are loans for which the borrower does not pay interest. Interest would normally be charged periodically according to the annual percentage rate (APR). However, with a subsidized loan the interest is paid by another party.
Subsidized loans are loans for which the borrower does not pay interest. Interest would normally be charged periodically according to the annual percentage rate (APR). However, with a subsidized loan the interest is paid by another party.
Bank Savings Accounts
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.
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.
Bank CD Basics
Bank CDs are among the safest investments available. To get the most from your bank CD investing, you should know how CDs work, where to find them, and what to watch out for. Our bank CD resource page guides you through the process.
Bank CDs are among the safest investments available. To get the most from your bank CD investing, you should know how CDs work, where to find them, and what to watch out for. Our bank CD resource page guides you through the process.
Free Checking
Before you sign up for a free checking account, you should understand how free checking works. We'll cover the typical free checking offer and what services should be included. You'll also find out why banks offer free checking.
Before you sign up for a free checking account, you should understand how free checking works. We'll cover the typical free checking offer and what services should be included. You'll also find out why banks offer free checking.
Emergency Cash Loans
Emergency cash can come from a variety of places. Ideally, you’ve got an emergency fund built up. If not, you may need an emergency cash loan. This page covers emergency cash loans, and the best places to find them.
Emergency cash can come from a variety of places. Ideally, you’ve got an emergency fund built up. If not, you may need an emergency cash loan. This page covers emergency cash loans, and the best places to find them.
Deposit Checks
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.
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.
Small Business Loans
Working with banks on small business loans can be easy or difficult – it just depends on how prepared you are. Follow this formula for obtaining small business loans and you can move on to the more important things.
Working with banks on small business loans can be easy or difficult – it just depends on how prepared you are. Follow this formula for obtaining small business loans and you can move on to the more important things.
Debit or Credit?
When you purchase with plastic you’re often asked if you’d like to make it a debit or credit transaction. What’s the difference? The choice you make determines how your purchase is processed, who pays the bill for that processing, how long it takes, and what your rights are. See how interchange fees work and just how important your choice is.
When you purchase with plastic you’re often asked if you’d like to make it a debit or credit transaction. What’s the difference? The choice you make determines how your purchase is processed, who pays the bill for that processing, how long it takes, and what your rights are. See how interchange fees work and just how important your choice is.
HSA Providers
Almost any insured bank or credit union can be your HSA provider. If they can offer an IRA (individual retirement account) they can offer an HSA. However, that doesn’t mean they have to offer HSAs. This page provides an overview of HSA offerings and listing of HSA providers.
Almost any insured bank or credit union can be your HSA provider. If they can offer an IRA (individual retirement account) they can offer an HSA. However, that doesn’t mean they have to offer HSAs. This page provides an overview of HSA offerings and listing of HSA providers.
Bank CD Rates
Make sure that you fully understand how bank CD rates work. This resource informs you about how bank cd rates are determined. You'll know what to look for, and we'll direct you towards the best bank cd rates.
Make sure that you fully understand how bank CD rates work. This resource informs you about how bank cd rates are determined. You'll know what to look for, and we'll direct you towards the best bank cd rates.
Start Up Business Loans
Start up business loans are difficult to come by. If you’re not having luck with other sources, let’s dig in and start the process of winning a start up business loan.
Start up business loans are difficult to come by. If you’re not having luck with other sources, let’s dig in and start the process of winning a start up business loan.
How Amortization Works
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.
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.
Choosing a Bank
Choosing the best bank for your needs is easy. First, you have to figure out exactly what you need from a bank. Once you know what to look for, you can quickly evaluate the competition and end up with the best bank account out there. See how to choose the right bank for your needs, and get some ideas for starting your checklist.
Choosing the best bank for your needs is easy. First, you have to figure out exactly what you need from a bank. Once you know what to look for, you can quickly evaluate the competition and end up with the best bank account out there. See how to choose the right bank for your needs, and get some ideas for starting your checklist.
Check Registers
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.
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.
Auto Loans
If you're buying a car and short on cash, you'll need an auto loan. Be prepared before you head out to the lot. To save yourself thousands, use these 6 keys to a great auto loan. Then you can ride around knowing you got the best deal.
If you're buying a car and short on cash, you'll need an auto loan. Be prepared before you head out to the lot. To save yourself thousands, use these 6 keys to a great auto loan. Then you can ride around knowing you got the best deal.
Money Market Funds
Money market funds are a popular cash management tool. Before you use money market funds, make sure you know what they are, how they work, and what risks you might be taking. We'll also cover some of the best places to find money market funds.
Money market funds are a popular cash management tool. Before you use money market funds, make sure you know what they are, how they work, and what risks you might be taking. We'll also cover some of the best places to find money market funds.
Credit Unions
Most people never notice the differences between credit unions and banks. However, as an educated consumer looking to get the best deals (that is you, right?) you should know how the institutions differ. By reading these fast facts about credit unions, you’ll know what to expect.
Most people never notice the differences between credit unions and banks. However, as an educated consumer looking to get the best deals (that is you, right?) you should know how the institutions differ. By reading these fast facts about credit unions, you’ll know what to expect.
Second Mortgages
When you need money, sometimes a second mortgage is the answer. Second mortgages serve a variety of purposes, and are described with various names. This page is a basic overview of second mortgages, how they are used, and disadvantages of second mortgages.
When you need money, sometimes a second mortgage is the answer. Second mortgages serve a variety of purposes, and are described with various names. This page is a basic overview of second mortgages, how they are used, and disadvantages of second mortgages.
Home Equity Loan Tax Deduction
One nice feature of home equity loans is that borrowers may get a tax deduction on interest paid for the loan. Before you try this, you should understand that the tax deduction is not unlimited. Find out how the tax deduction really works.
One nice feature of home equity loans is that borrowers may get a tax deduction on interest paid for the loan. Before you try this, you should understand that the tax deduction is not unlimited. Find out how the tax deduction really works.
CD Interest Rate Scorecard
The CD Interest Rate Scorecard highlights some of the leading CD interest rates. It is most useful for a quick answer on where to stash your cash. If you really want the best rates, you can start here and continue on for even better deals.
The CD Interest Rate Scorecard highlights some of the leading CD interest rates. It is most useful for a quick answer on where to stash your cash. If you really want the best rates, you can start here and continue on for even better deals.
ChexSystems Reporting
Readers often ask what happens if you bounce a check. Will it affect your credit score? The answer is no, but you should still avoid writing rubber checks. ChexSystems tracks and reports people who have had trouble in the past, and some banks will deny you an account if ChexSystems has bad information on you.
Readers often ask what happens if you bounce a check. Will it affect your credit score? The answer is no, but you should still avoid writing rubber checks. ChexSystems tracks and reports people who have had trouble in the past, and some banks will deny you an account if ChexSystems has bad information on you.
Debit vs Credit
When you use plastic, you've got to choose between debit vs credit. Which is best? Like all things in life, the debit vs credit decision involves tradeoffs. This page covers the pros and cons and helps you decide whether you should use debit vs credit in your everyday life.
When you use plastic, you've got to choose between debit vs credit. Which is best? Like all things in life, the debit vs credit decision involves tradeoffs. This page covers the pros and cons and helps you decide whether you should use debit vs credit in your everyday life.
FICO Credit Score
One of the most commonly used scoring tools is the FICO credit score. It’s important to understand how the FICO credit score is determined. There are just a few pieces to the puzzle, and focusing on these pieces can help you improve your FICO credit score.
One of the most commonly used scoring tools is the FICO credit score. It’s important to understand how the FICO credit score is determined. There are just a few pieces to the puzzle, and focusing on these pieces can help you improve your FICO credit score.
Find the Best Savings Account
When shopping for a savings account, you need to find a bank that will give you a good deal. The best savings accounts are safe, pay a competitive yield, and make your life easy. This page maps out how you can find the best savings account.
When shopping for a savings account, you need to find a bank that will give you a good deal. The best savings accounts are safe, pay a competitive yield, and make your life easy. This page maps out how you can find the best savings account.
Peer to Peer Lending Overview
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.
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.
Overdraft Protection Plans
We all make mistakes. Sometimes those mistakes involve writing a check for money that isn’t available in our bank account. If you face this risk, you’ll want to know about overdraft protection plans.
We all make mistakes. Sometimes those mistakes involve writing a check for money that isn’t available in our bank account. If you face this risk, you’ll want to know about overdraft protection plans.
NFL Checks
Want to support your favorite team of touchdowners and tacklers? NFL checks are one more way to do so. More and more fans ask how they can get their favorite NFL team on personal checks. It’s not easy. This page gives you a few ideas on how you can get NFL checks.
Want to support your favorite team of touchdowners and tacklers? NFL checks are one more way to do so. More and more fans ask how they can get their favorite NFL team on personal checks. It’s not easy. This page gives you a few ideas on how you can get NFL checks.
How IRAs Work
If you have to save for your own retirement, an IRA is probably one of the first things you should look into. While IRAs can be complicated, you can accomplish a lot if you just understand some basic concepts. We'll cover some of the basic IRA material that you need to know, and you can work your way toward your retirement goals.
If you have to save for your own retirement, an IRA is probably one of the first things you should look into. While IRAs can be complicated, you can accomplish a lot if you just understand some basic concepts. We'll cover some of the basic IRA material that you need to know, and you can work your way toward your retirement goals.
How to Find a Co-Signer
Co-signing happens when somebody promises to back up a loan for somebody else. If you apply for a loan and you don’t qualify, you may need a co-signer. This person’s strong credit or higher income may help you qualify for the loan you want. This page discusses co-signing from a borrower’s perspective.
Co-signing happens when somebody promises to back up a loan for somebody else. If you apply for a loan and you don’t qualify, you may need a co-signer. This person’s strong credit or higher income may help you qualify for the loan you want. This page discusses co-signing from a borrower’s perspective.
Business Bank Loans
When a business first starts operation, a business bank loan is often what keeps things moving. How do you get a good business bank loan? It depends on the nature of your business. This page is intended for smaller businesses trying to find funding through business bank loans.
When a business first starts operation, a business bank loan is often what keeps things moving. How do you get a good business bank loan? It depends on the nature of your business. This page is intended for smaller businesses trying to find funding through business bank loans.
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.
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.
Debit Cards
Debit cards are similar to credit cards, except debit cards pull money out of your checking account. Debit cards do not create or increase a loan like credit cards do.
Debit cards are similar to credit cards, except debit cards pull money out of your checking account. Debit cards do not create or increase a loan like credit cards do.
Debt to Income Ratios
Debt to income ratios give lenders a quick rule of thumb to determine how much you can borrow. They try to keep loans affordable by keeping payments to a modest percentage of your total income. With debt to income ratios, they can quickly figure out a reasonable monthly payment – and use that number to calculate your total loan amount.
Debt to income ratios give lenders a quick rule of thumb to determine how much you can borrow. They try to keep loans affordable by keeping payments to a modest percentage of your total income. With debt to income ratios, they can quickly figure out a reasonable monthly payment – and use that number to calculate your total loan amount.
Mortgage
Definition of a mortgage. A mortgage is an agreement to...
Definition of a mortgage. A mortgage is an agreement to...
Loan Modifications
Loan modifications are changes to your loan agreement. Your payments get more affordable, and you don’t have to default on your loan. Banks choose to offer loan modification programs because it is easier to work with you than to go after you. Let's review how loan modification works, and how you can improve your chances.
Loan modifications are changes to your loan agreement. Your payments get more affordable, and you don’t have to default on your loan. Banks choose to offer loan modification programs because it is easier to work with you than to go after you. Let's review how loan modification works, and how you can improve your chances.
How ACH Payments Work
ACH payments are electronic payments made through the Automated Clearing House (ACH) Network. Using ACH payments can help reduce errors, speed things up, and save resources. Let’s cover the basics of ACH payments for businesses and consumers
ACH payments are electronic payments made through the Automated Clearing House (ACH) Network. Using ACH payments can help reduce errors, speed things up, and save resources. Let’s cover the basics of ACH payments for businesses and consumers
Discount Points
Points are dollars you pay as a percentage of your loan. A common use for points is to secure a lower interest rate on your loan. We'll cover how points work and highlight some ways to calculate whether points are worth the expense.
Points are dollars you pay as a percentage of your loan. A common use for points is to secure a lower interest rate on your loan. We'll cover how points work and highlight some ways to calculate whether points are worth the expense.
Phishing Scams
To protect yourself, you need to know exactly how phishing scams work and how to avoid becoming a victim. This article covers common tricks used in phishing scams, and gives you tips on detecting fraudulent emails. Also, we'll cover the steps that victims of phishing scams need to take.
To protect yourself, you need to know exactly how phishing scams work and how to avoid becoming a victim. This article covers common tricks used in phishing scams, and gives you tips on detecting fraudulent emails. Also, we'll cover the steps that victims of phishing scams need to take.
HSBC OnlineSavings Account
HSBC does business in a few select regions. However, you can take advantage of their services anywhere with their HSBC OnlineSavings Account. At the time of this writing, the HSBC OnlineSavings Account offers one of the highest-paying savings accounts (without imposing fees or minimums).
HSBC does business in a few select regions. However, you can take advantage of their services anywhere with their HSBC OnlineSavings Account. At the time of this writing, the HSBC OnlineSavings Account offers one of the highest-paying savings accounts (without imposing fees or minimums).
How to Write a Check Safely
You probably already know how to write a check. The question is: do you know how to write a check safely? By tapping into your checking account, scammers can wreak havoc with your finances. If you know how to write a check using some of the techniques below, you’ll improve your chances against scammers.
You probably already know how to write a check. The question is: do you know how to write a check safely? By tapping into your checking account, scammers can wreak havoc with your finances. If you know how to write a check using some of the techniques below, you’ll improve your chances against scammers.
Bank Reconciliation
Bank reconciliation happens when you compare your records to the bank’s records. You should do a bank reconciliation at least every month to make sure you know what’s happening with your accounts. Let’s review how bank reconciliation works and why it is so important.
Bank reconciliation happens when you compare your records to the bank’s records. You should do a bank reconciliation at least every month to make sure you know what’s happening with your accounts. Let’s review how bank reconciliation works and why it is so important.
Pay to Cash
Pay to cash is a way to write a check without including the recipient's name. A check that says "pay to cash" can be cashed or deposited by anybody. These checks can be convenient, but they are also risky. This page covers the basics of writing and depositing checks payable to the order of cash.
Pay to cash is a way to write a check without including the recipient's name. A check that says "pay to cash" can be cashed or deposited by anybody. These checks can be convenient, but they are also risky. This page covers the basics of writing and depositing checks payable to the order of cash.
How Credit Scores Work
A credit score is just a number. The credit score tells lenders how likely you are to default on a loan. By understanding how credit scores work, you can figure out what lenders are looking for and how you can improve your credit score.
A credit score is just a number. The credit score tells lenders how likely you are to default on a loan. By understanding how credit scores work, you can figure out what lenders are looking for and how you can improve your credit score.
B of A - Keep the Change
Need some creative ways to save more? You might look at the Keep the Change program from Bank of America. Bank of America will round up every Visa debit card purchase to the nearest dollar and deposit the difference in your account. They’ll even throw in a few bucks. This page explains the Bank of America Keep the Change program.
Need some creative ways to save more? You might look at the Keep the Change program from Bank of America. Bank of America will round up every Visa debit card purchase to the nearest dollar and deposit the difference in your account. They’ll even throw in a few bucks. This page explains the Bank of America Keep the Change program.
Know Your Bank's Hold Policy
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.
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.
CapOne High Yield Savings
A prominent online bank offering is the Capital One High Yield Savings account. This is like a lot of other online bank accounts. However, there are some unique features to the High Yield Savings account.
A prominent online bank offering is the Capital One High Yield Savings account. This is like a lot of other online bank accounts. However, there are some unique features to the High Yield Savings account.
Annuities Overview
An annuity is a contract between the buyer and an insurance company. In general, the insurance company promises to do something with the buyer’s money. This page should serve as a general overview of annuities. After you understand the concept you can look into the various annuity types.
An annuity is a contract between the buyer and an insurance company. In general, the insurance company promises to do something with the buyer’s money. This page should serve as a general overview of annuities. After you understand the concept you can look into the various annuity types.
Student Loans 101
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.
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.
CD Penalties
CD's are great savings vehicles for some. However, the most commonly overlooked drawback to CD's is the early withdrawal penalty. Read all about CD penalties, how they work, and how you might be able to avoid paying a penalty.
CD's are great savings vehicles for some. However, the most commonly overlooked drawback to CD's is the early withdrawal penalty. Read all about CD penalties, how they work, and how you might be able to avoid paying a penalty.
Open a Credit Union Account
Opening an account at a credit union is fairly easy. This page covers the three basic steps required to open a credit union account.
Opening an account at a credit union is fairly easy. This page covers the three basic steps required to open a credit union account.
What to do in a Bank Robbery
Bank robbery is too common in the US. If you’re ever in the bank when there is a bank robbery, you need to know how to handle yourself. A few simple tips will help you survive the incident and perhaps catch the robber.
Bank robbery is too common in the US. If you’re ever in the bank when there is a bank robbery, you need to know how to handle yourself. A few simple tips will help you survive the incident and perhaps catch the robber.
HSBC - Online Checking Account
Consumers looking for a good free online checking account might be pleased with HSBC. They offer online bill pay, free checking, and the ability to zap money back and forth to various banks. Perhaps most importantly, you can move money almost instantly between the online checking account and HSBC’s OnlineSavings account for a competitive interest rate.
Consumers looking for a good free online checking account might be pleased with HSBC. They offer online bill pay, free checking, and the ability to zap money back and forth to various banks. Perhaps most importantly, you can move money almost instantly between the online checking account and HSBC’s OnlineSavings account for a competitive interest rate.
ING Electric Orange Checking
ING Direct offers an interest bearing checking account with no fees. This page describes the free ING Direct Electric Orange checking account. Learn how this free checking account works, and find out what the pros and cons are.
ING Direct offers an interest bearing checking account with no fees. This page describes the free ING Direct Electric Orange checking account. Learn how this free checking account works, and find out what the pros and cons are.
Deed in Lieu of Foreclosure
Deed in lieu of foreclosure is a way to get out of a home loan...
Deed in lieu of foreclosure is a way to get out of a home loan...
Bank Failures
Banks are the safest place to keep your cash. Nevertheless, bank failures happen from time to time. Here's a look at what causes bank failures and what you can do about them.
Banks are the safest place to keep your cash. Nevertheless, bank failures happen from time to time. Here's a look at what causes bank failures and what you can do about them.
2nd Mortgage Quick Tips
2nd mortgages can be tempting because you can get a large amount of money. However, there are some common pitfalls you should keep an eye out for. Take a quick glance over these 2nd mortgage quick-tips. You’ll be in a better position to negotiate the best 2nd mortgage.
2nd mortgages can be tempting because you can get a large amount of money. However, there are some common pitfalls you should keep an eye out for. Take a quick glance over these 2nd mortgage quick-tips. You’ll be in a better position to negotiate the best 2nd mortgage.
Bank Wire Transfer Basics
When you need to send money fast, a bank wire transfer is often your best choice. Bank wire transfers are immediate, safe, and reliable. Learn the basics on how they work and how to start using them.
When you need to send money fast, a bank wire transfer is often your best choice. Bank wire transfers are immediate, safe, and reliable. Learn the basics on how they work and how to start using them.
Insufficient Funds
Definition of insufficient funds. A situation where your account does not…
Definition of insufficient funds. A situation where your account does not…
How to Fix Your Credit Report
In order to get the best loan rates, sometimes you need to fix your credit report. For a variety of reasons, credit reporting agencies may have bad information. To fix your credit report, follow these simple steps. Then go back and get the loan terms you deserve.
In order to get the best loan rates, sometimes you need to fix your credit report. For a variety of reasons, credit reporting agencies may have bad information. To fix your credit report, follow these simple steps. Then go back and get the loan terms you deserve.
Getting a Mortgage
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.
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.
Brokered CDs
Brokered CDs are simply CDs offered by a financial intermediary. It’s important that you understand how to buy brokered CDs, how you’re paying for them, and what to watch out for. Let’s cover some fast facts about brokered CDs.
Brokered CDs are simply CDs offered by a financial intermediary. It’s important that you understand how to buy brokered CDs, how you’re paying for them, and what to watch out for. Let’s cover some fast facts about brokered CDs.
Floating Checks
Check float refers to the amount of time it takes for money to leave your checking account. Check float helps to keep some people out of trouble, but it will increasingly cause problems for those who rely on it. Make sure you understand what you’re doing if you’re taking advantage of the float.
Check float refers to the amount of time it takes for money to leave your checking account. Check float helps to keep some people out of trouble, but it will increasingly cause problems for those who rely on it. Make sure you understand what you’re doing if you’re taking advantage of the float.
Collateral Loans
A collateral loan is a loan secured by some asset you own. You promise to hand the asset over to the lender if you cannot repay the loan as agreed. By using a collateral loan, the lender takes less risk, and it may be easier for you to get funding. Make sure you know the essentials of collateral loans before you use one.
A collateral loan is a loan secured by some asset you own. You promise to hand the asset over to the lender if you cannot repay the loan as agreed. By using a collateral loan, the lender takes less risk, and it may be easier for you to get funding. Make sure you know the essentials of collateral loans before you use one.
What is a Retail Bank?
A retail bank is a bank that works with consumers, otherwise known as 'retail customers'. Retail banks are the banks you most often see in cities on crowded intersections, the ones you probably use for your personal checking account. Let's take a look at the basics of retail banks.
A retail bank is a bank that works with consumers, otherwise known as 'retail customers'. Retail banks are the banks you most often see in cities on crowded intersections, the ones you probably use for your personal checking account. Let's take a look at the basics of retail banks.
How to Get the Best CD Rates
Certificates of Deposit (CD’s) are among the safest investment vehicles out there. To get the best CD rates, you have to know where to look and what to do. This page helps you find the best CD rates available.
Certificates of Deposit (CD’s) are among the safest investment vehicles out there. To get the best CD rates, you have to know where to look and what to do. This page helps you find the best CD rates available.
Wamu.com
Wamu.com is the website of the old Washington Mutual bank. Since the bank failed, Wamu.com is changing. Learn what to expect and when you’ll see changes at Wamu.com
Wamu.com is the website of the old Washington Mutual bank. Since the bank failed, Wamu.com is changing. Learn what to expect and when you’ll see changes at Wamu.com
Loan Deferments
When you are unable to repay a loan, you may go into deferment. Different loans have different requirements, so you’ll want to investigate your loan before attempting a student loan deferment. This page summarizes the concept of deferment so you can better understand whether or not you’re eligible – and if it’s a good idea.
When you are unable to repay a loan, you may go into deferment. Different loans have different requirements, so you’ll want to investigate your loan before attempting a student loan deferment. This page summarizes the concept of deferment so you can better understand whether or not you’re eligible – and if it’s a good idea.
How to Fill Out a Check
If you’re new to checkwriting, you may not know how to fill out a check. The process is easy once you learn the basics. Learn how to fill out a check properly, and what you can do to stop writing checks if you want to use alternative forms of payment.
If you’re new to checkwriting, you may not know how to fill out a check. The process is easy once you learn the basics. Learn how to fill out a check properly, and what you can do to stop writing checks if you want to use alternative forms of payment.
Before You Co-Sign a Loan
Co-signing happens when somebody promises to back up a loan for somebody else. Somebody may ask you if you’ll co-sign a loan for them. They’re asking you to become legally liable to pay off a debt if they are unable to pay it off themselves. This page discusses co-signing from a co-signer’s perspective.
Co-signing happens when somebody promises to back up a loan for somebody else. Somebody may ask you if you’ll co-sign a loan for them. They’re asking you to become legally liable to pay off a debt if they are unable to pay it off themselves. This page discusses co-signing from a co-signer’s perspective.
Roth 401k Pitfalls
Roth 401k offers the ability to have a different tax status for your money, but there may be some Roth 401k pitfalls. Compare Roth 401k plans to traditional plans before you make a choice with your retirement savings. This page highlights the disadvantages of Roth 401k.
Roth 401k offers the ability to have a different tax status for your money, but there may be some Roth 401k pitfalls. Compare Roth 401k plans to traditional plans before you make a choice with your retirement savings. This page highlights the disadvantages of Roth 401k.
Comparing APR - Mistakes
A smart borrower will shop the market. As you compare loans, you may use the annual percentage rate (APR) as a yardstick. However, APR can lead you astray. This page discusses the pitfalls of using APR to compare loans.
A smart borrower will shop the market. As you compare loans, you may use the annual percentage rate (APR) as a yardstick. However, APR can lead you astray. This page discusses the pitfalls of using APR to compare loans.
How to Ruin Your Credit
Having access to other people’s money is overrated. If you’re of the same mind, you may want to completely eliminate any chance of somebody lending you money. Here are some tips on how to destroy your credit score.
Having access to other people’s money is overrated. If you’re of the same mind, you may want to completely eliminate any chance of somebody lending you money. Here are some tips on how to destroy your credit score.
PIN - Personal ID Numbers
Personal identification numbers (PINs) are security features. Often referred to as PIN numbers (yes, it's redundant), PINs are important to keeping your money and your information safe. Picking a good PIN number and remembering it is easy if you use a few tricks.
Personal identification numbers (PINs) are security features. Often referred to as PIN numbers (yes, it's redundant), PINs are important to keeping your money and your information safe. Picking a good PIN number and remembering it is easy if you use a few tricks.
Line of Credit
A line of credit is a pool of available money that you can borrow. This page covers the basics of how lines of credit work.
A line of credit is a pool of available money that you can borrow. This page covers the basics of how lines of credit work.
Bank Accounts For Kids
Want to get your children interested in saving? Take them on a Savings Safari. A Savings Safari is a program where banks and credit unions open a bank account for kids and make the process fun and interesting. Over the years, this will hopefully keep your child interested in saving and learning about money.
Want to get your children interested in saving? Take them on a Savings Safari. A Savings Safari is a program where banks and credit unions open a bank account for kids and make the process fun and interesting. Over the years, this will hopefully keep your child interested in saving and learning about money.
Texas Ratio
The Texas Ratio is a way to measure how risky a bank is. The formula tells you how likely the bank is to be dragged down by bad loans. By looking at Texas Ratios, you may be able to spot banks that are more likely than others to fail. Let's look at the basics of the Texas Ratio.
The Texas Ratio is a way to measure how risky a bank is. The formula tells you how likely the bank is to be dragged down by bad loans. By looking at Texas Ratios, you may be able to spot banks that are more likely than others to fail. Let's look at the basics of the Texas Ratio.
Online Banking 101
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.
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.
Loan Modification Types
Banks can change the terms of your loan to make the payments more affordable. These changes are often called loan modifications, and they may be permanent or temporary.
Banks can change the terms of your loan to make the payments more affordable. These changes are often called loan modifications, and they may be permanent or temporary.
Chase Bank HSA
Overview of the Chase HSA offering.
Overview of the Chase HSA offering.
What is a Commercial Bank?
A commercial bank is a bank that works with businesses. Businesses have unique needs that consumers don’t have. For example, some businesses need a commercial bank that can accommodate a large volume of credit card payments and cash deposits. Let's take a look at the basics of commercial banks.
A commercial bank is a bank that works with businesses. Businesses have unique needs that consumers don’t have. For example, some businesses need a commercial bank that can accommodate a large volume of credit card payments and cash deposits. Let's take a look at the basics of commercial banks.
Prosper.com
Prosper.com is a social lending site. Instead of borrowing from a bank, you can borrow money from other individuals. One or more people may offer to loan you money, and they may even compete with each other to get you a better rate. This page covers the basics of Prosper.com, and gives you resources for more information.
Prosper.com is a social lending site. Instead of borrowing from a bank, you can borrow money from other individuals. One or more people may offer to loan you money, and they may even compete with each other to get you a better rate. This page covers the basics of Prosper.com, and gives you resources for more information.
How to do a Bank Wire
Sometimes you need to send money quickly and securely. If so, you might use a bank wire to get the job done. The process is fairly easy. Learn how bank wires work and how to send one.
Sometimes you need to send money quickly and securely. If so, you might use a bank wire to get the job done. The process is fairly easy. Learn how bank wires work and how to send one.
Calculate Mortgage
Some people want to know how to calculate mortgage payments. You don’t really need to do the work, but if you’re curious you can certainly do so. To calculate mortgage payments, you need to know a few details about the loan. Let’s go through the steps and tools you can use to calculate mortgage payments.
Some people want to know how to calculate mortgage payments. You don’t really need to do the work, but if you’re curious you can certainly do so. To calculate mortgage payments, you need to know a few details about the loan. Let’s go through the steps and tools you can use to calculate mortgage payments.
Overdraft Line of Credit
An overdraft line of credit is a loan attached to your checking account. Instead of bouncing checks and paying large fees, you can borrow a few bucks and pay interest. When you spend all of the money in your checking account, you start borrowing against your overdraft line of credit. This page covers how overdraft lines of credit work.
An overdraft line of credit is a loan attached to your checking account. Instead of bouncing checks and paying large fees, you can borrow a few bucks and pay interest. When you spend all of the money in your checking account, you start borrowing against your overdraft line of credit. This page covers how overdraft lines of credit work.
Skimming Scams
Don’t fall prey to ATM skimming scams. Scammers can quickly read a card’s information and use it to access your account fraudulently. With a small device, your card’s information gets stored so that criminals can easily get to it later. See how skimming devices work and how you can avoid getting stung.
Don’t fall prey to ATM skimming scams. Scammers can quickly read a card’s information and use it to access your account fraudulently. With a small device, your card’s information gets stored so that criminals can easily get to it later. See how skimming devices work and how you can avoid getting stung.
FDIC Insurance
FDIC insurance protects you from losses if your bank goes belly-up. You think of the bank as a very safe place for your money, but banks loan your money out and invest it in a variety of ways. If those activities go sour, what happens to your money? This page discusses how FDIC insurance protects customers.
FDIC insurance protects you from losses if your bank goes belly-up. You think of the bank as a very safe place for your money, but banks loan your money out and invest it in a variety of ways. If those activities go sour, what happens to your money? This page discusses how FDIC insurance protects customers.
Subprime -Definition
Subprime refers to a borrower that is not 'prime'. These subprime borrowers...
Subprime refers to a borrower that is not 'prime'. These subprime borrowers...
Interest Only Loans
A quick overview of how interest only loans work. Discussion of the advantages and disadvantages of interest only loans, and resources for calculating payments on these loans.
A quick overview of how interest only loans work. Discussion of the advantages and disadvantages of interest only loans, and resources for calculating payments on these loans.
What is Credit?
You need good credit, but what is credit? In order to improve your credit you need to know how credit works, what hurts it, and how you can manage it. Let’s look at what credit is, how it works, and where to find out more about it.
You need good credit, but what is credit? In order to improve your credit you need to know how credit works, what hurts it, and how you can manage it. Let’s look at what credit is, how it works, and where to find out more about it.
Beneficiary
A beneficiary is a person who receives assets at a contract owner’s death. The contract owner picks the beneficiary at opening the account, or later. There are two basic types of beneficiaries: primary beneficiaries and contingent beneficiaries.
A beneficiary is a person who receives assets at a contract owner’s death. The contract owner picks the beneficiary at opening the account, or later. There are two basic types of beneficiaries: primary beneficiaries and contingent beneficiaries.
Closing Costs
A description of how to manage closing costs. Just because one provider has lower closing costs doesn't mean it's your best bet. You have to look at your mortgage as a complete package -- including closing costs, interest rates, restrictions, and other features.
A description of how to manage closing costs. Just because one provider has lower closing costs doesn't mean it's your best bet. You have to look at your mortgage as a complete package -- including closing costs, interest rates, restrictions, and other features.
Money Market Account vs Fund
Money market accounts are bank alternatives to money market mutual funds. What’s the difference? The main factors are risk and choices. Let’s do a comparison of money market funds vs. money market accounts so you can make the best choice.
Money market accounts are bank alternatives to money market mutual funds. What’s the difference? The main factors are risk and choices. Let’s do a comparison of money market funds vs. money market accounts so you can make the best choice.
Lockbox Services
Lockboxes allow organization to streamline receipts. When customers and business partners write you a check, you need to get those payments into the bank so that you can use the money. Lockbox services make that process more efficient than almost any business can hope for on its own.
Lockboxes allow organization to streamline receipts. When customers and business partners write you a check, you need to get those payments into the bank so that you can use the money. Lockbox services make that process more efficient than almost any business can hope for on its own.
PIN Number
POS Fees are point-of-sale fees. Banks charge POS fees when…
POS Fees are point-of-sale fees. Banks charge POS fees when…
How CDs Work
If you’re just getting started with bank CDs, you should learn the basics. You’ll need to know some basic terms and concepts to take advantage of CDs. Once you know the rules of the road you can get started
If you’re just getting started with bank CDs, you should learn the basics. You’ll need to know some basic terms and concepts to take advantage of CDs. Once you know the rules of the road you can get started
Stafford Loans
Stafford Loans are available through US Department of Education funding programs. This page covers the basics of Stafford Student Loans. A unique characteristic of Stafford Loans is that they're easy to qualify for in most cases.
Stafford Loans are available through US Department of Education funding programs. This page covers the basics of Stafford Student Loans. A unique characteristic of Stafford Loans is that they're easy to qualify for in most cases.
Adjustable Rate Mortgages
Adjustable rate mortgages (ARMs) are home loans with a rate that varies. As interest rates rise and fall in general, rates on adjustable rate mortgages follow. These can be useful loans for getting into a home, but they are also risky. This page covers the basics of adjustable rate mortgages.
Adjustable rate mortgages (ARMs) are home loans with a rate that varies. As interest rates rise and fall in general, rates on adjustable rate mortgages follow. These can be useful loans for getting into a home, but they are also risky. This page covers the basics of adjustable rate mortgages.
Emigrant Direct American Dream
A review of the Emigrant Direct American Dream Savings Account. Overview of the product and highlights. Contribute your own Emigrant Direct American Dream Savings Account review so that others know what to expect.
A review of the Emigrant Direct American Dream Savings Account. Overview of the product and highlights. Contribute your own Emigrant Direct American Dream Savings Account review so that others know what to expect.
Stolen Debit Card Risk
You are protected if your debit card is used by a thief. However, you have to act fast. Compared to credit cards, stolen debit cards carry a lot of risk. This page covers the basics of stolen debit cards and your liability.
You are protected if your debit card is used by a thief. However, you have to act fast. Compared to credit cards, stolen debit cards carry a lot of risk. This page covers the basics of stolen debit cards and your liability.
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.
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.
ACH - Automated Clearing House
Automated Clearing House. A network of financial institutions that facilitate electronic transfers.
Automated Clearing House. A network of financial institutions that facilitate electronic transfers.
Loan to Value Ratio
The loan to value ratio (LTV) tells you how much of a property is being financed...
The loan to value ratio (LTV) tells you how much of a property is being financed...
Payoff Letter Basics
A payoff letter is a document describing how you can pay off your home loan. As you prepare to pay off the loan, you should request an official payoff letter to avoid any confusion. Let’s review what payoff letters are and why they’re important.
A payoff letter is a document describing how you can pay off your home loan. As you prepare to pay off the loan, you should request an official payoff letter to avoid any confusion. Let’s review what payoff letters are and why they’re important.
CD Maturity
Maturity is the date when your CD term ends. At that time, your agreement with the bank comes to an end: the bank can stop paying you the interest they promised, and you can take your cash and walk with it. Find out the details of CD Maturities and why maturity dates are important.
Maturity is the date when your CD term ends. At that time, your agreement with the bank comes to an end: the bank can stop paying you the interest they promised, and you can take your cash and walk with it. Find out the details of CD Maturities and why maturity dates are important.
Mortgage Crisis Overview
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.
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.
Emergency Cash
Emergency cash can get you through hard times. To make it work for you, you need to set your fund up properly. This page covers how to manage your emergency cash, how much to have, and ways to think about your emergency savings.
Emergency cash can get you through hard times. To make it work for you, you need to set your fund up properly. This page covers how to manage your emergency cash, how much to have, and ways to think about your emergency savings.
Safest Banks
Some people only want to work with the safest banks. Even with FDIC insurance, bank failures can be a hassle. By sticking to the safest banks, you reduce the likelihood of any headaches, delays, or name changes on your statements. How do you figure out which banks are the safest banks?
Some people only want to work with the safest banks. Even with FDIC insurance, bank failures can be a hassle. By sticking to the safest banks, you reduce the likelihood of any headaches, delays, or name changes on your statements. How do you figure out which banks are the safest banks?
How to Get a Credit Union Loan
Credit union loans are among the most competitive loans available. How can you get one? You’ll need to become a member before you qualify for a credit union loan. Find out what it takes to get a credit union loan.
Credit union loans are among the most competitive loans available. How can you get one? You’ll need to become a member before you qualify for a credit union loan. Find out what it takes to get a credit union loan.
Virgin Money
Virgin Money is a person to person lending service that allows you to structure formal loans with people you know. Through person to person lending, you skip the bank and borrow from an individual (or group of individuals). This page is an overview of Virgin Money and the various person to person lending options there.
Virgin Money is a person to person lending service that allows you to structure formal loans with people you know. Through person to person lending, you skip the bank and borrow from an individual (or group of individuals). This page is an overview of Virgin Money and the various person to person lending options there.
Deficiency Judgments
Deficiency judgment are court orders that make you personally liable for unpaid debt. They are often associated with foreclosures, when a home's selling price is not enough to cover the loan balance. Let's take a closer look at what deficiency judgments are and if you should expect one.
Deficiency judgment are court orders that make you personally liable for unpaid debt. They are often associated with foreclosures, when a home's selling price is not enough to cover the loan balance. Let's take a closer look at what deficiency judgments are and if you should expect one.
Surprising CD Rates
Why would short term CD rates be the same as (or better than) longer term CD rates? You might expect that longer term CDs should pay a better APY than shorter term ones. Sometimes that’s not the case. When this happens, the banks are telling you something.
Why would short term CD rates be the same as (or better than) longer term CD rates? You might expect that longer term CDs should pay a better APY than shorter term ones. Sometimes that’s not the case. When this happens, the banks are telling you something.
Unsecured Loans
Unsecured loans are not attached to any collateral. This page gives a definition of unsecured loans.
Unsecured loans are not attached to any collateral. This page gives a definition of unsecured loans.