Updated Articles and Resources
- Endorse Checks With Your Account Number - Protect Your Deposit…Created: 2009-10-28 @ 23:02:39 EDT
If you want to be certain that a check only gets deposited to your account, include your account number when you endorse the check. The bank will only deposit funds to an account you authorize, so… - Signing it All Away - Blank Endorsement on Check…Created: 2009-10-28 @ 22:31:16 EDT Updated: 2009-10-28 @ 22:34:34 EDT
The easiest (but most dangerous) way to endorse a check is to just sign the back. A simple signature, known as a blank endorsement, allows anybody to do anything they want. They can deposit it to… - Endorsing Checks - Keeping Your Information Secret (Signature and Ac…Created: 2009-10-27 @ 22:48:01 EDT Updated: 2009-10-27 @ 23:04:31 EDT
Some people always endorse checks by signing the back and including their account number. If you’re concerned about security, you may be hesitant to use your signature and account number… - Surrender Period - How Surrender Periods Work…Created: 2009-10-22 @ 18:57:04 EDT
A surrender period is how long you must wait before taking money out of an annuity without penalty. An annuity might not have a surrender period, or it may last for more than 10 years. You can ta… - CD Tax - Do I Pay Tax on CD Interest?Created: 2009-10-16 @ 19:18:57 EDT
Certificates of deposit (CDs) are among the safest investments available. What about the interest you earn - is there a CD tax? When do you have to pay tax on CD income, and how can you avoid it?… - How to Get a Private Loan With Bad CreditCreated: 2009-10-13 @ 22:33:18 EDT
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&… - Student Checking Basics - Before You Open a Student Checking AccountCreated: 2009-10-08 @ 20:20:35 EDT
Student checking accounts help students start banking. While marketing messages are attractive, student checking accounts are not always the best choice. Find out how student checking works, and … - Private Party Loans - Basics of Private Party LoansCreated: 2009-09-21 @ 21:16:03 EDT Updated: 2009-09-21 @ 21:17:36 EDT
Private party loans are loans between individuals. Instead of using a bank or finance company, you agree on loan terms and work together. Some private party loans are a great deal for all involve… - What is Bad Credit? Risks of Bad CreditCreated: 2009-09-21 @ 20:31:55 EDT Updated: 2009-09-21 @ 21:16:58 EDT
So, you’ve heard your credit is not where it should be. What is bad credit anyway? To improve your situation you need to understand what bad credit is and how to fix it. Let’s take a c… - Getting a Loan With Bad Credit - 4 Ways to Get a Loan With Bad CreditCreated: 2009-09-17 @ 20:10:10 EDT
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. I… - Credit Union Loan - How to Get a Credit Union LoanCreated: 2009-09-15 @ 20:22:29 EDT
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 … - IRA Loan - Facts About IRA LoansCreated: 2009-09-15 @ 19:52:42 EDT
When you need money, an IRA loan may come to mind. Technically, it’s not possible to borrow from your IRA. However, you can do a few things that act like an IRA loan for quick cash. Learn w… - Family Financing - How to Use Family FinancingCreated: 2009-08-31 @ 21:00:10 EDT
The thought of family financing is common when you or one of your relatives needs money. While it may be a great choice, don’t move forward with a family financing deal until you understand h… - Private Mortgage - How to do a Private MortgageCreated: 2009-08-27 @ 20:14:50 EDT
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 pr… - Cheap Loans - Where to Find Cheap Loans - What to AvoidCreated: 2009-08-27 @ 20:10:57 EDT
Do cheap loans exist? There’s almost always a cost to borrow money, but you can manage the costs and improve your chances. Find out how to find cheap loans, and what to avoid… - Family Loan - Is a Family Loan a Good Idea?Created: 2009-08-27 @ 20:03:02 EDT
Borrowers sometimes find that a family loan is the best option. What does it take to set up a family loan properly? You have to consider financial and personal topics to make sure the loan does n… - Family Mortgage - Basics of Virgin Money?s Family Mortgage ProgramCreated: 2009-08-24 @ 18:34:16 EDT
If you use a family mortgage, do it right. One way to make everything official and protect everybody is to use a service for loan agreements, servicing, and legal filings. Virgin Money’s fam… - Virgin Money Family Mortgage - Full Closing ProgramCreated: 2009-08-24 @ 18:28:04 EDT Updated: 2009-08-24 @ 18:33:11 EDT
The Full Closing package offers everything the Full Servicing package does, along with closing help. The full closing product only makes sense if you're transferring ownership of a property. Find… - Virgin Money Family Mortgage - Full Servicing ProgramCreated: 2009-08-24 @ 18:25:26 EDT Updated: 2009-08-24 @ 18:32:49 EDT
The Full Servicing package does everything the Basic package does, as well as handling servicing. Learn the basics of Virgin Money's fully-serviced family mortgage program… - Virgin Money Family Mortgage - Basic PackageCreated: 2009-08-24 @ 18:22:01 EDT
The Basic package handles the toughest legal requirements of a family mortgage. You may feel comfortable with the logistics of payments, but you might not be qualified to draft a loan agreement. … - GreenNote - Overview of GreenNote Peer to Peer LendingCreated: 2009-08-21 @ 16:07:31 EDT
GreenNote is a peer-to-peer lending service students can use to raise funds for education. Students tap their network of friends, family, and others… - Family Loan Tips and Success Stories - How We Used a Family LoanCreated: 2009-08-05 @ 20:30:50 EDT
A family loan can help you or somebody in your family save money. When done correctly, everybody wins. Find out how to use a family loan from other readers who've been there before you. Share yo… - 7 Sins of Family Loans - How Family Loans go BadCreated: 2009-08-05 @ 20:25:46 EDT
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls … - Family Loans Gone Bad - How Family Loans Became NightmaresCreated: 2009-08-05 @ 20:24:10 EDT Updated: 2009-08-05 @ 20:26:45 EDT
Family loans can be a dream come true or a nightmare. When mistakes happen or communication fails, family loans are not worth the money. See where others have gone wrong with family loans and sha… - You Know You're a Rate Chaser When...Created: 2009-07-31 @ 16:24:06 EDT
If you're a rate chaser, you're probably a little bit different from your friends. How do you know when you've taken rate chasing to the extreme? Share your ideas on what makes rate chasers uniqu… - Bank Rate Chaser - Definition - Bank Rate EnthusiastsCreated: 2009-07-31 @ 15:42:51 EDT Updated: 2009-07-31 @ 16:24:45 EDT
A bank rate chaser is somebody who actively moves from bank to bank with their savings. They monitor bank rates on savings accounts, money market accounts, and CDs at various banks. Do you active… - Lending Club CEO Interview - Renaud LaplancheCreated: 2009-07-15 @ 22:06:27 EDT
In June 2009 I spoke with Renaud Laplanche about Lending Club. We talked about how the peer to peer lending service works, and what to expect going forward. A summary of key takeaways from the in… - Closing Costs - Manage Your Mortgage's Closing Costs…Updated: 2009-10-28 @ 10:12:25 EDT
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 -- includi… - Savings Account Interest Rate Scorecard - A Sampling of Savings Acc…Updated: 2009-10-23 @ 17:51:51 EDT
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… - Annuities - Overview of Annuities - Advantages and Disadvantages of …Updated: 2009-10-22 @ 19:00:39 EDT
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 gener… - PIN - Personal Identification Numbers - Secrets of Great PIN Numbers…Updated: 2009-10-16 @ 19:05:19 EDT
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… - Before You Print Your Own Checks - What You Need to Print Your Own C…Updated: 2009-10-14 @ 22:22:57 EDT
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… - CD Interest Rate Scorecard - A Sampling of Competitive Rates…Updated: 2009-10-14 @ 21:55:32 EDT
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… - Checking Account Essentials - Avoid Checking Account MistakesUpdated: 2009-10-08 @ 20:23:29 EDT
A good checking account is important. You’ll send thousands of dollars through your checking account, and you need to make sure it’s the right one for you. The wrong checking account wi… - NFL Checks - How to Get NFL Checks for Your AccountUpdated: 2009-09-28 @ 15:29:51 EDT
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’… - Loans - How to Get Loans and Borrow Money WiselyUpdated: 2009-09-02 @ 15:53:23 EDT
This page offers tools for getting the best loan rates. Find out how loan rates work and what you can do to get a better rate. We'll cover auto loans, debt consolidation loans, student loans, and h… - Virgin Money - Person to Person Lending at Virgin Money - Business L…Updated: 2009-08-21 @ 14:38:41 EDT
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…