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Justin Pritchard

Updated Articles and Resources

By Justin Pritchard

    Updated Articles and Resources
    • ACH Payments - How ACH Payments Work Created: Monday, May 25, 2009 Updated: Wednesday, April 16, 2014
      ACH payments are electronic payments made through the Automated Clearing House (ACH) Network. Electronic payments can help reduce errors, speed things up, and save resources. Learn how businesses and consumers benefit from ACH payments.
    • ACH - Automated Clearing House Created: Sunday, May 06, 2007 Updated: Wednesday, April 16, 2014
      Automated Clearing House. A network of financial institutions that facilitate electronic transfers.
    • FHA Loan Basics Created: Wednesday, July 19, 2006 Updated: Wednesday, April 16, 2014
      FHA loans are appealing for several reasons, but they're not perfect. These loans allow you to buy with a small down payment, and they're easier to qualify for. Find out how they work.
    • What’s the difference between a money order and a cashier’s check? Created: Monday, December 27, 2010 Updated: Wednesday, April 16, 2014
      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, ...
    • Getting a Loan With Bad Credit Created: Thursday, September 17, 2009 Updated: Wednesday, April 16, 2014
      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.
    • Calculate Interest You Pay Created: Saturday, April 23, 2011 Updated: Wednesday, April 16, 2014
      When you pay interest, you pay a fee for using somebody else’s money. In addition to returning their money, you pay a little extra. Knowing how to calculate interest helps you understand what...
    • Outstanding Check Letter - Template Created: Sunday, February 17, 2013 Updated: Wednesday, April 16, 2014
      A sample letter for outstanding checks. Copy and paste this text into a letter that you'll send to payees." itemprop="description"> Tuesday, November 30, 2010 Updated: Wednesday, April 16, 2014
      Question: I want to figure out how my mortgage works. What is the formula for mortgage payments? Answer: If you want to run the numbers yourself, you can use a mortgage payment formula to calculate...
    • Duplicate Checks - The Basics Created: Wednesday, December 16, 2009 Updated: Wednesday, April 16, 2014
      Duplicate checks are checkbooks that keep a record of every check you write. With duplicate checks, you can see who you paid, how much, and when. They may be handy if you like to quickly flip throu...
    • Do Bounced Checks Affect Credit? Created: Sunday, December 28, 2008 Updated: Wednesday, April 16, 2014
      Bounced checks do not get reported to the major credit bureaus, so they do not affect your mainstream credit scores. However, other problems can arise, and it's possible for your credit to get dragged into the situation.
    • Bigger Down Payment vs Paying Points Created: Sunday, March 19, 2006 Updated: Wednesday, April 16, 2014
      Home buyers sometimes ask about the difference between discount points and a down payment. Each of these items is a cost that comes out of your pocket up front, so they seem quite similar. To your ...
    • Subprime - Definition of Subprime Borrowers and Lending Created: Wednesday, August 15, 2007 Updated: Wednesday, April 16, 2014
      Subprime borrowers might be less likely to repay a loan. Referring to somebody as subprime is similar to saying they have “less than perfect credit”.
    • Why You Can't Find Money Orders Online Created: Monday, January 14, 2013 Updated: Wednesday, April 16, 2014
      Good luck if you're trying to buy a money order online." itemprop="description">
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    • Before You Print Your Own Checks - What You Need to Print Your Own Checks Created: Sunday, March 19, 2006 Updated: Tuesday, April 15, 2014
      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 s...
    • Money Order Basics Created: Monday, December 13, 2010 Updated: Tuesday, April 15, 2014
      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."
    • How to Win Small Business Loans Created: Sunday, July 31, 2005 Updated: Tuesday, April 15, 2014
      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.
    • What does ACH Stand For? Created: Tuesday, April 15, 2014 Updated: Tuesday, April 15, 2014
      ACH stands for Automated Clearing House, which is a network for making electronic payments. You've probably used ACH before (for direct deposit or automatic bill payments). See more examples and find out why it's popular.
    • How to Win Start Up Business Loans Created: Sunday, July 31, 2005 Updated: Tuesday, April 15, 2014
      Start up business loans are difficult to come by. If you’re not having luck with traditional lenders like banks and credit unions, start looking at alternatives.
    • Business Bank Loans Created: Sunday, October 16, 2005 Updated: Tuesday, April 15, 2014
      Are you expanding and in need of a business bank loan? Find out how to improve your chances of getting approved.
    • Emergency Cash Loans Created: Sunday, October 01, 2006 Updated: Tuesday, April 15, 2014
      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 th...
    • How Free Checking Really Works Created: Saturday, March 12, 2005 Updated: Tuesday, April 15, 2014
      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.
    • Debt Consolidation Programs Created: Sunday, May 08, 2005 Updated: Tuesday, April 15, 2014
      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 yo...
    • Letter of Credit - How Letters of Credit Work Created: Thursday, October 23, 2008 Updated: Tuesday, April 15, 2014
      A letter of credit is a promise to pay. Banks issue letters of credit to guarantee sellers (and sometimes even buyers) that they will get paid as long as certain conditions are met. Letters of credit are common in international trade, but can also be used for domestic transactions.
    • How First Time Home Buyer Loans Work Created: Sunday, July 16, 2006 Updated: Tuesday, April 15, 2014
      For your first home purchase, you might benefit from a first time home buyer loan. But there are always strings attached. Learn how these programs work and whether or not they make sense for you.
    • Annual Percentage Rate (APR) Created: Monday, September 11, 2006 Updated: Tuesday, April 15, 2014
      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.
    • 10 Tips for Prosper.com Borrowers Created: Sunday, July 01, 2007 Updated: Tuesday, April 15, 2014
      In order to get money (and get it at a reasonable rate) you have to create a good listing. This page covers the essentials of creating a loan listing at Prosper.com." itempf expr="$zTP='t3'" --> it...
    • What is a Share Account? Created: Sunday, November 29, 2009 Updated: Tuesday, April 15, 2014
      A share account is the term used by a credit union for a savings account. Share accounts pay dividends, similar to interest from a bank savings account.
    • Square Cash Review Created: Thursday, December 05, 2013 Updated: Tuesday, April 15, 2014
      Square Cash is a simple way to send money electronically. Read how the service works and the pros and cons of sending money via email.
    • ATM Deposits Created: Monday, February 16, 2009 Updated: Monday, April 14, 2014
      ATM deposits can make your life easier. Find out how to make a deposit, what you'll need, and what the potential problems are.
    • FHA 203k Loan Costs and Pitfalls Created: Sunday, March 21, 2010 Updated: Monday, April 14, 2014
      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.
    • ACH Debit for Consumers Created: Monday, May 25, 2009 Updated: Monday, April 14, 2014
      Wondering if you should use ACH debit to make your payments? It makes things easier, but ACH debit can also lead to problems. Learn the pros and cons of ACH debit programs so you know what to expect.
    • Simple Interest - Overview and Calculations Created: Tuesday, April 26, 2005 Updated: Monday, April 14, 2014
      Learn how simple interest works and how to calculate it - with and without the help of calculators.

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