Banking / Loans: Most Popular Articles
These articles are the most popular over the last month.
A Visual Example of How to Write a 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.
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 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.
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.
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.
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.
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.
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 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 7 - Record in 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.
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) 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.
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.
FHA Loans
FHA loans allow borrowers to buy a home with a low down payment. Loans are guaranteed by the Federal Housing Administration (FHA), which makes them easier to qualify for. Learn how FHA loans work and why they're not right for everybody.
FHA loans allow borrowers to buy a home with a low down payment. Loans are guaranteed by the Federal Housing Administration (FHA), which makes them easier to qualify for. Learn how FHA loans work and why they're not right for everybody.
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
First Time Home Buyer Loans
Should you use a first time home buyer loan? These programs can help you buy a home, but there are always strings attached. Find out how they can help and what to watch out for.
Should you use a first time home buyer loan? These programs can help you buy a home, but there are always strings attached. Find out how they can help and what to watch out for.
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.
Getting a Loan With Bad Credit
It’s hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. If you’re trying to get a loan with bad credit, do some homework before you get a loan. It’s easy to get into expensive traps, and there are a few things you can do to improve your chances.
It’s hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. If you’re trying to get a loan with bad credit, do some homework before you get a loan. It’s easy to get into expensive traps, and there are a few things you can do to improve your chances.
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.
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.
Free Credit Report
The U.S. government provides access to free credit reports to all consumers. Every year, you're entitled to one copy of your credit report from each credit reporting agency. Don't pay fees when you don't need to. Find out where and how to get your free credit reports.
The U.S. government provides access to free credit reports to all consumers. Every year, you're entitled to one copy of your credit report from each credit reporting agency. Don't pay fees when you don't need to. Find out where and how to get your free credit reports.
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.
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.
Where Can I Get a Money Order?
Need a money order but not sure where to get one? In most places, you have plenty of choices. You can get money orders at post offices, retail stores, and financial institutions. Find out where you can get money orders and how to choose.
Need a money order but not sure where to get one? In most places, you have plenty of choices. You can get money orders at post offices, retail stores, and financial institutions. Find out where you can get money orders and how to choose.
Annual Percentage Yield - APY
Annual percentage yield (APY) tells you how much you're earning at the bank. Learn what it's all about and how to calculate it. When your money compounds, your APY is higher than your interest rate.
Annual percentage yield (APY) tells you how much you're earning at the bank. Learn what it's all about and how to calculate it. When your money compounds, your APY is higher than your interest rate.
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.
Money Order vs Cashier's Check
Question: What’s the difference between a money order and a cashier’s check? Money orders are similar to cashier’s checks. They’re documents you can use to make payments, and they’re guaranteed by somebody. They even look alike. However, there are a few differences.
Question: What’s the difference between a money order and a cashier’s check? Money orders are similar to cashier’s checks. They’re documents you can use to make payments, and they’re guaranteed by somebody. They even look alike. However, there are a few differences.
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.
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.
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.
Mortgage
Definition of a mortgage. A mortgage is an agreement to...
Definition of a mortgage. A mortgage is an agreement to...
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.
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
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.
How to Cash a Check
How do you get access money when somebody writes you a check? You need to know how to cash a check or deposit it. It’s important to avoid risk and fees when you cash a check, so let’s go over your options.
How do you get access money when somebody writes you a check? You need to know how to cash a check or deposit it. It’s important to avoid risk and fees when you cash a check, so let’s go over your options.
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.
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.
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.
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
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.
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.
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.
Cash a Money Order
When you’ve been paid with a money order, how do you turn it into cash? You can cash money orders or deposit them just like checks. Learn how to cash a money order and where to do it.
When you’ve been paid with a money order, how do you turn it into cash? You can cash money orders or deposit them just like checks. Learn how to cash a money order and where to do it.
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.
How Much Does a Money Order Cost?
Question: How much does a money order cost? Answer: It depends where you get it and how much you need. In most cases, money orders cost around a dollar (or even less). You can get money orders at a variety of places.
Question: How much does a money order cost? Answer: It depends where you get it and how much you need. In most cases, money orders cost around a dollar (or even less). You can get money orders at a variety of places.
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.
Pay to Cash
Pay to cash is a way to write a check without including the recipient's name. A check that says "pay
Pay to cash is a way to write a check without including the recipient's name. A check that says "pay
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.
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.
Bank vs. Credit Union
So you need a loan or a new account, and you’re not sure where to go. Both banks and credit unions can probably help you, but one may be better. What can you expect from banks vs. credit unions and why does it matter?
So you need a loan or a new account, and you’re not sure where to go. Both banks and credit unions can probably help you, but one may be better. What can you expect from banks vs. credit unions and why does it matter?
Recourse & Non-recourse Loans
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.
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.
Bank Drafts - Basics
A bank draft is traditionally a check drawn on a bank’s funds, such as a cashier’s check. When paying bills, the term bank draft is sometimes used to refer to an automatic transfer from your bank account to your service provider.
A bank draft is traditionally a check drawn on a bank’s funds, such as a cashier’s check. When paying bills, the term bank draft is sometimes used to refer to an automatic transfer from your bank account to your service provider.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Payday Loans
Payday loans are short term loans you can use to get through a rough spot. Before you use one, make sure you understand the costs and risks. This page gives you a quick overview of how payday loans work, and ideas on how to avoid them.
Payday loans are short term loans you can use to get through a rough spot. Before you use one, make sure you understand the costs and risks. This page gives you a quick overview of how payday loans work, and ideas on how to avoid them.
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.
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.
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.
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.
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. The Excel loan calculator shows all the details about your loan, and helps you figure out how to repay it early.
Running numbers is easy with an Excel loan calculator. Microsoft Excel includes built-in tools and formulas so you can get information quickly. The Excel loan calculator shows all the details about your loan, and helps you figure out how to repay it early.
Calculate Loan Interest
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.
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.
ATM Deposits
ATM deposits are one way to make your life easier. Some people don’t know how to do it, or they’re not comfortable with the idea of deposits to ATM machines. What do you need to know before you try it? Here are the basics of making ATM deposits.
ATM deposits are one way to make your life easier. Some people don’t know how to do it, or they’re not comfortable with the idea of deposits to ATM machines. What do you need to know before you try it? Here are the basics of making ATM deposits.
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.
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.
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.
Basics of How Checks Clear
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.
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.
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.
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.
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.
How to Calculate Loans
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.
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.
I Need Money Blues
At some point in our lives, we all reach the point where we say âI need moneyâ. If youâre at that point,
At some point in our lives, we all reach the point where we say âI need moneyâ. If youâre at that point,
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.
Excel Mortgage Calculation Tip
If you really want to analyze the nuts and bolts of a loan, you can use a spreadsheet such as Microsoft
If you really want to analyze the nuts and bolts of a loan, you can use a spreadsheet such as Microsoft
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.
A Visual Example of How Compound Interest Works
Compound interest makes your money work hard for you. This page shows how compound interest works and why it is important to start saving as soon as possible. You'll see an example with pictures, and we provide a free online compound interest calculator.
Compound interest makes your money work hard for you. This page shows how compound interest works and why it is important to start saving as soon as possible. You'll see an example with pictures, and we provide a free online compound interest calculator.
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
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.
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.
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.
How to do 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.
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.
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.
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.
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 Endorse Checks
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Money Order Basics
Money orders are used for making payments. When it’s not safe or acceptable to use a check or cash, money orders come in handy. Learn how to use them and what to watch out for.
Money orders are used for making payments. When it’s not safe or acceptable to use a check or cash, money orders come in handy. Learn how to use them and what to watch out for.
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.
Wire Money
From time to time you have to wire money to somebody. What does it mean to wire money? A wire transfer happens when you send money to somebody electronically. Let’s review the basics of how you wire money and what your options are.
From time to time you have to wire money to somebody. What does it mean to wire money? A wire transfer happens when you send money to somebody electronically. Let’s review the basics of how you wire money and what your options are.
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.
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.
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.
FHA 203k Loan Costs & Rules
Using an FHA 203k loan allows you to borrow enough to finance a home and make improvements. What’s the drawback? FHA 203k loans have additional costs and requirements that you should be aware of. It may make sense to use an FHA 203k loan, but you’ll want to know what you’re getting into.
Using an FHA 203k loan allows you to borrow enough to finance a home and make improvements. What’s the drawback? FHA 203k loans have additional costs and requirements that you should be aware of. It may make sense to use an FHA 203k loan, but you’ll want to know what you’re getting into.
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.
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.
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.
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.
Collateral Basics
To get a loan, you may be required to use collateral. Learn more as we define collateral, see why it’s helpful, and examine how it’s used with loans.
To get a loan, you may be required to use collateral. Learn more as we define collateral, see why it’s helpful, and examine how it’s used with loans.
What is an Investment Bank?
Investment banks help organizations use investment markets. For example, when a company wants to raise money by issuing stocks or bonds, an investment bank helps them through the process. Let's take a look at the basics of investment banks.
Investment banks help organizations use investment markets. For example, when a company wants to raise money by issuing stocks or bonds, an investment bank helps them through the process. Let's take a look at the basics of investment banks.
Get a Loan 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.
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.
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.
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...
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.
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.
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.
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.
Free Credit Scores
Credit 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.
Credit 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.
Returned Checks Overview
A returned check is a check that the bank does not honor. If you are the check writer, it means that your bank will not pay the person or business you wrote the check to. If you received the check, a returned check is a check that you won’t get paid on. Let’s go over the basics of returned checks and what to do if you have one.
A returned check is a check that the bank does not honor. If you are the check writer, it means that your bank will not pay the person or business you wrote the check to. If you received the check, a returned check is a check that you won’t get paid on. Let’s go over the basics of returned checks and what to do if you have one.
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.
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.
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.
Deposits at ATMs - Risks
Deposits at ATMs can be convenient. However, you may run into trouble or have doubts about deposit ATMs. Are they safe? Do they have special rules? Learn about a few pitfalls of deposit ATMs so you can avoid unpleasant surprises.
Deposits at ATMs can be convenient. However, you may run into trouble or have doubts about deposit ATMs. Are they safe? Do they have special rules? Learn about a few pitfalls of deposit ATMs so you can avoid unpleasant surprises.
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.
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.
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.
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.
Loan Payment Calculation
How much will you have to pay for a loan? A loan payment calculation gives you the answer you need. If you just want the answer, use our free online calculator. If you’d rather run the numbers yourself, this loan payment calculation formula shows you how.
How much will you have to pay for a loan? A loan payment calculation gives you the answer you need. If you just want the answer, use our free online calculator. If you’d rather run the numbers yourself, this loan payment calculation formula shows you how.
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.
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.
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…
8 Reasons to Stop Writing Checks
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Let's see why you should strive to never write a check again.
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Let's see why you should strive to never write a check again.
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.
How Loans Work
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.
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.
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.
FHA 203k Loan Basics
The FHA 203k loan allows you to borrow money for home improvement and home ownership in one loan. The loan is guaranteed by the FHA, which can help keep your interest rate low. Learn about the pros and cons of FHA 203k loans and see if they’re right for you.
The FHA 203k loan allows you to borrow money for home improvement and home ownership in one loan. The loan is guaranteed by the FHA, which can help keep your interest rate low. Learn about the pros and cons of FHA 203k loans and see if they’re right for you.
CD Interest Rate Scorecard
A quick sampling of competitive CD interest rates. This is a short list of ideas that can help you earn a decent return on your cash.
A quick sampling of competitive CD interest rates. This is a short list of ideas that can help you earn a decent return on your cash.
Loan Deferments
When you are unable to repay a student loan, you may go into deferment. Different loans have different requirements, so you'll need to investigate your loan. Learn more about how deferment works and what your options might be.
When you are unable to repay a student loan, you may go into deferment. Different loans have different requirements, so you'll need to investigate your loan. Learn more about how deferment works and what your options might be.
Electronic Checks
When you write a check, you may assume that the piece of paper you write on will be deposited at a bank and processed manually. Electronic check conversion makes that process less and less likely. Instead of processing the piece of paper, some businesses prefer to turn your paper check into an electronic check. Learn how electronic checks work.
When you write a check, you may assume that the piece of paper you write on will be deposited at a bank and processed manually. Electronic check conversion makes that process less and less likely. Instead of processing the piece of paper, some businesses prefer to turn your paper check into an electronic check. Learn how electronic checks work.
The Big 4 US Banks
Learn more about the Big 4 banks. Which banks make up the Big 4 in the US?
Learn more about the Big 4 banks. Which banks make up the Big 4 in the US?
Can You Transfer a Mortgage?
Can you transfer a mortgage? There may come a time when you want to stop making payments, and you're lucky enough to have somebody willing to take your place. It may be ideal to transfer the mortgage into their name. However, it can be difficult or impossible to transfer mortgages.
Can you transfer a mortgage? There may come a time when you want to stop making payments, and you're lucky enough to have somebody willing to take your place. It may be ideal to transfer the mortgage into their name. However, it can be difficult or impossible to transfer mortgages.
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.
Car Title Loans
Car title loans are short term loans against your automobile. When you get a car title loan, 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, car title loans are also very expensive and very risky.
Car title loans are short term loans against your automobile. When you get a car title loan, 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, car title loans are also very expensive and very risky.
Private Loans 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.
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.
CD Account Basics
CD accounts 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 accounts and common pitfalls, you can avoid costly mistakes.
CD accounts 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 accounts and common pitfalls, you can avoid costly mistakes.
How to Order Personal Checks
When you write checks, you have to refill your bank account as well as your checkbook. What’s the best way to order personal checks after you’ve used your bank-issued checks? This page covers the options available to you.
When you write checks, you have to refill your bank account as well as your checkbook. What’s the best way to order personal checks after you’ve used your bank-issued checks? This page covers the options available to you.
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.
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.