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The credit card approval process can be complex and time-consuming. What seems as if it should only take seconds involves quite a bit of computer work and behind-the-scenes calculations. Savvy consumers can help themselves along during the credit card approval process if they know the details for which lenders...
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Overall Score 30.5 Net Monetary Value 10.5 Product Features 66.7 Customer Experience 82.4 Pros & Cons The Carnival World MasterCard allows its users to earn more points for spending with Carnival Cruise Lines, as well as some points on all other purchases made from the card. The points may...
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How Does a Balance Transfer for Credit Cards Work? The purpose of a balance transfer credit card is to place a balance from an old credit card onto a new one. In other words, it pays off the old issuing card company. The credit cardholder completes a credit card...
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Television programming is often saturated with advertisements for credit reporting providers. When combined with the increased incidence of identity theft, consumers are more aware of their credit scores than ever before. That said, many people do not fully understand how these scores are derived, or more importantly, how they...
-
Overall Score 77.0 Net Monetary Value 82.0 Product Features 66.7 Customer Experience 64.7 Pros & Cons The Amex EveryDay Preferred Credit Card is ideal for earning rewards on everyday purchases. Card members earn the most points on purchases at supermarkets and gas stations, as well as some points on...
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Do you have bad credit or no credit at all? Are you finding that a secured credit card is the only type of card you can get? Surprisingly enough, there are many secured credit cards out there, but taking the time to find the one that offers the most benefits...
-
If your credit is on the lower side, it might be time to make some financial changes. About 56% of Americans have bad credit; bad credit can cause you to be rejected for loans or cost extra money in interest. Thankfully, it’s possible to fix your credit on your...
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Overall Score 60.1 Net Monetary Value 47.8 Product Features 66.7 Customer Experience 100.0 Pros & Cons The Special Connections Visa with Rewards cards is a rewards card in more ways than one, as it offers rewards on both purchases made from the card and accumulated interest. The points can...
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Despite that fact that they require you to make a deposit, secured credit cards are a great way to get a credit card and improve or build your credit rating at the same time. Although they’re fairly straightforward, here are five things you may not know about secured credit...
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Having bad credit is an issue shared by 56% of all Americans, so you’re not alone if you need some assistance repairing your score. Bad credit can be a serious problem and will cost you extra money in the long run. Thankfully, there are ways you can fix your...
-
Overall Score 65.8 Net Monetary Value 59.2 Product Features 66.7 Customer Experience 88.2 Pros & Cons With the PNC points Visa Credit Card, users have the option to gain bonus points on top of general points for purchases. Points may be redeemed for cash, travel (flights, hotel stays and...
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Secured credit cards are obtained by consumers who don’t have the necessary credit rating to be issued a typical credit card. Secured credit cards, sometimes called prepaid credit cards, are good for establishing credit, for someone who doesn’t have any credit, or for people who want to improve their...
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Overall Score 72.1 Net Monetary Value 85.1 Product Features 66.7 Customer Experience 29.4 Pros & Cons Using the Carlson Rezidor Premier Rewards Visa Signature Card for purchases at Carlson Rezidor hotels, and for all other purchases can earn you points that you can use against future stays with...
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Overall Score 59.9 Net Monetary Value 56.6 Product Features 66.7 Customer Experience 64.7 Pros & Cons With the Plenti Credit Card from American Express, cardholders can earn the most points on supermarket and restaurant purchases as well as on a variety of other purchases made from the card. The...
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The credit cards in your wallet could be weighing you down or allowing you greater financial freedom. You must ask yourself if your credit cards have become a burden and make sure you are not starting a cycle that will cause financial strife for you later in life. The...
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Overall Score 46.2 Net Monetary Value 32.9 Product Features 66.7 Customer Experience 82.4 Pros & Cons If you’re a frequent flyer with Lufthansa, Austrian Airlines, Brussels Airlines, SWISS or Star Alliance, the Miles & More World Elite MasterCard is a great option for you. You can earn points with...
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Overall Score 63.8 Net Monetary Value 73.2 Product Features 66.7 Customer Experience 29.4 Pros & Cons The FlexPerks Reserve Visa Signature Card is available to clients subscribed to U.S. Bank’s wealth management unit also dubbed the Private Client Reserve. The benefits include bonus points redeemable for travel, access to...
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Some issuing card companies offer cardholders incentives for using their credit cards. These credit cards are called rewards credit cards. There isn’t just one type of rewards credit card, but three types: miles, points and cash. Miles Rewards Miles reward credit cards, or travel cards, allows the cardholder to...
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Overall Score 73.5 Net Monetary Value 71.9 Product Features 66.7 Customer Experience 82.4 Pros & Cons Members can earn bonus points annually, on JetBlue purchases, in restaurants and grocery stores, and some points on all other purchases. Cardholders can use their points against their flight costs with JetBlue and...
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Overall Score 32.9 Net Monetary Value 24.1 Product Features 77.8 Customer Experience 41.2 Pros & Cons With the Discover it Miles card, the card holders can cash rewards or earn travel miles. Miles can be redeemed for cash through an electronic bank deposit or for travel purchase credits...
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Studies have recently shown that 56% of consumers have bad credit. If you’re part of the 56%, there’s help available. It can be hard to improve your credit on your own, but thankfully, some companies can help repair your credit. Before you decide to hire a credit repair company...
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Overall Score 69.3 Net Monetary Value 71.1 Product Features 66.7 Customer Experience 64.7 Pros & Cons If you want early boarding and saving money on return flight tickets, the Gold Delta SkyMiles Credit Card is a good fit. Points are earned on Delta purchases and other eligible purchases...
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Overall Score 55.1 Net Monetary Value 69.3 Product Features 77.8 Customer Experience -5.9 Pros & Cons The Citi Diamond Preferred Card is for those seeking assistance with travel arrangements. The Diamond Preferred concierge service can book flights, hotel rooms, and even concert tickets. For an introductory period, users are...
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If you have bad credit, you’re not alone. Studies show that 56% of Americans have bad credit; the Federal Trade Commission discovered that one in four people have had an error on their credit report that’s negatively affecting their score. One way you can improve your credit is by...
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Overall Score 51.1 Net Monetary Value 39.9 Product Features 66.7 Customer Experience 82.4 Pros & Cons With the Hawaiian Airlines World Elite MasterCard you can get a discounted fair for a companion traveller. You can gain points with purchases from Hawaiian Airlines or their partner airlines. You can also...
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Overall Score 66.0 Net Monetary Value 66.2 Product Features 66.7 Customer Experience 64.7 Pros & Cons If you’re a frequent flyer with Virgin Atlantic Airways, this card will allow you earn more flights and upgrades. You can earn the most points on Virgin Atlantic purchases but can also earn...
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Overall Score 77.4 Net Monetary Value 86.0 Product Features 77.8 Customer Experience 47.1 Pros & Cons Offered through Chase, the British Airways Visa Signature Card can earn you points on every dollar spent on British Airways, and all your other purchases. Your points are redeemable against flights with British...
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Overall Score 54.9 Net Monetary Value 60.5 Product Features 66.7 Customer Experience 29.4 Pros & Cons When you purchase air travel tickets, vacations, groceries, and gas, you can earn points on the Aeromexico Visa Signature Card. The first purchase you make with the card can earn you a companion...
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Overall Score 44.2 Net Monetary Value 35.1 Product Features 66.7 Customer Experience 64.7 Pros & Cons You will earn miles on every purchase made with the card, but even more miles on purchases made on Spirit Airlines. You can earn bonus miles on your first purchase and can...
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Overall Score 83.2 Net Monetary Value 94.3 Product Features 77.8 Customer Experience 47.1 Pros & Cons The United MileagePlus Club Card is great for frequent United Airlines flyers. On signing up for the card you will receive a United Club membership, free checking on 2 bags, and priority check-in,...
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Overall Score 62.5 Net Monetary Value 69.7 Product Features 77.8 Customer Experience 29.4 Pros & Cons The Wells Fargo Propel 365 American Express Card is suited for those looking to earn maximum points on purchases at gas stations and restaurants. Users earn some points on all other purchases as...
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Joining the military gives you the chance to fight for your country and show your pride, but you can also get incredible financial benefits. Enlisting allows you to go to college for free and so much more. Here is an overview of some of the best benefits you can...
-
Credit card offers can be overwhelming for a consumer. When multiple credit card companies are giving a person an offer, it is very important to compare all of the offers. Just because a person is given a specific credit card offer does not mean the person should open that...
-
Overall Score 61.7 Net Monetary Value 70.2 Product Features 66.7 Customer Experience 29.4 Pros & Cons No Foreign Transaction Fee Sign-up Bonus $0 Annual Fee First Year Annual Fee Card Details Intro Promotions Intro APR N/A Intro Balance Transfer N/A Credit Needed Good (690-720) Ongoing APR 14.24% – 24.49%...
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When you’re trying to first get a business loan, you need to remember that it’s not nearly as easy as it may seem. If it doesn’t seem easy you’ve caught the idea. Getting a business loan is not going to be simple, you need to be ready when you...
-
Fixed-rate mortgages are the most widely used form of home mortgage loans. It is a basic arrangement in which the lender calculates the principal amount, using a single interest rate, and then divides the sum equally over an agreed period of years. The most popular terms are 30-year and...
-
If you have an interest in making more money and preparing for your future finances, then you must be thinking about investing in the stock market. The stock market is a particular market where stocks and bonds are traded. The stock market also, according to the way some people refer...
-
Managing your payroll is one of the most difficult tasks while conducting any business. Some small business owners wish that there could be an automated software that could manage their enterprises’ payroll to reduce the associated headache and costs. However, since as a small business owner you need everything...
-
For many students, loans may be the only way to afford a college education. Unfortunately, loans can total thousands of dollars and become a financial burden to students when they are finally starting their careers. While some students are able to pay off their loans, others need the services...
-
Do you often find yourself sitting at an impossible fork in your financial road of savings or quick cash? Easily accessible debit cash in emergencies is always a comfortable safety net, but what about the long-term growth of a retirement fund? When you find yourself depositing money, is it...
-
You may end up declaring bankruptcy during a financial crisis, but it shouldn’t be taken lightly. This pros and cons list may help you discover whether filing for Chapter 7 or Chapter 13 bankruptcy is fitting for your situation. Pros of Declaring Bankruptcy Collections Stopped: Filing for bankruptcy stops...
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A car title loan is a fast, easy way to get money using your car title instead of your credit score. When it comes to finding good information for car title loans, the online resources are important. The size of the title loan is normally determined by the amount...
-
The stock market is usually affected by various seasonal trends that no one can tell exactly when to buy stocks. An old saying “sell high buy low” is a strategy that does not focus on when to do it. However, understanding how the market operates is a great way...
-
If you are venturing out on your own and starting a new small business, you must be looking for a loan. There are alternatives to banks that people use to borrow money at much lower interest rates than the bank, commonly known as merchant cash advance (MCA). This was...
-
The Home Affordable Refinance Program (HARP) is a U.S. federal program that began in 2009. The goal of the program is to help struggling homeowners refinance their mortgages. The following is a short history of HARP and how the program continues today. The Crisis After the U.S. housing bubble...
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Sending money across the United States and abroad is incredibly easy, especially with all the new technology. Unfortunately, criminals have come up with scams to get people to initiate wire transfers to tap into your bank account. Avoid falling victim to these scams by reading about some of the...
-
Cloud-based payroll service OnPay has greatly improved since the last few years, but it unbelievably gets the same rating year after year. Why is this so? Apparently, there has been a lot of competition. Starting with Gusto being their stiffest competition. In spite of all the challenges, OnPay is...
-
Student loans must be repaid. However, the federal government understands that you may not have the money to repay your loans when they are due. That’s why you have two options to suspend student loan payments: deferment or forbearance. A deferment is specific to the time which the interest...
-
Bernard Baruch used to own his seat on the NYSE (New York Stock Exchange), which he earned by the age of 30 and became one of best-known financiers in the country by 1910. Mr. Baruch, as a master of his own profession, didn’t have any illusions about the complications...
-
Have you considered hiring a bankruptcy lawyer? You technically don’t need to hire an attorney to file for bankruptcy, but hiring an experienced, dedicated attorney is a wise decision. Before you shrug off the idea of hiring a lawyer, read these five advantages to having a bankruptcy lawyer work...
The credit card approval process can be complex and time-consuming. What seems as if it should only take seconds involves quite a bit of computer work and behind-the-scenes calculations. Savvy consumers can help themselves along during the credit card approval process if they know the details for which lenders...
Overall Score 30.5 Net Monetary Value 10.5 Product Features 66.7 Customer Experience 82.4 Pros & Cons The Carnival World MasterCard allows its users to earn more points for spending with Carnival Cruise Lines, as well as some points on all other purchases made from the card. The points may...
How Does a Balance Transfer for Credit Cards Work? The purpose of a balance transfer credit card is to place a balance from an old credit card onto a new one. In other words, it pays off the old issuing card company. The credit cardholder completes a credit card...
Television programming is often saturated with advertisements for credit reporting providers. When combined with the increased incidence of identity theft, consumers are more aware of their credit scores than ever before. That said, many people do not fully understand how these scores are derived, or more importantly, how they...
Overall Score 77.0 Net Monetary Value 82.0 Product Features 66.7 Customer Experience 64.7 Pros & Cons The Amex EveryDay Preferred Credit Card is ideal for earning rewards on everyday purchases. Card members earn the most points on purchases at supermarkets and gas stations, as well as some points on...
Do you have bad credit or no credit at all? Are you finding that a secured credit card is the only type of card you can get? Surprisingly enough, there are many secured credit cards out there, but taking the time to find the one that offers the most benefits...
If your credit is on the lower side, it might be time to make some financial changes. About 56% of Americans have bad credit; bad credit can cause you to be rejected for loans or cost extra money in interest. Thankfully, it’s possible to fix your credit on your...
Overall Score 60.1 Net Monetary Value 47.8 Product Features 66.7 Customer Experience 100.0 Pros & Cons The Special Connections Visa with Rewards cards is a rewards card in more ways than one, as it offers rewards on both purchases made from the card and accumulated interest. The points can...
Despite that fact that they require you to make a deposit, secured credit cards are a great way to get a credit card and improve or build your credit rating at the same time. Although they’re fairly straightforward, here are five things you may not know about secured credit...
Having bad credit is an issue shared by 56% of all Americans, so you’re not alone if you need some assistance repairing your score. Bad credit can be a serious problem and will cost you extra money in the long run. Thankfully, there are ways you can fix your...
Overall Score 65.8 Net Monetary Value 59.2 Product Features 66.7 Customer Experience 88.2 Pros & Cons With the PNC points Visa Credit Card, users have the option to gain bonus points on top of general points for purchases. Points may be redeemed for cash, travel (flights, hotel stays and...
Overall Score 72.1 Net Monetary Value 85.1 Product Features 66.7 Customer Experience 29.4 Pros & Cons Using the Carlson Rezidor Premier Rewards Visa Signature Card for purchases at Carlson Rezidor hotels, and for all other purchases can earn you points that you can use against future stays with...
Overall Score 59.9 Net Monetary Value 56.6 Product Features 66.7 Customer Experience 64.7 Pros & Cons With the Plenti Credit Card from American Express, cardholders can earn the most points on supermarket and restaurant purchases as well as on a variety of other purchases made from the card. The...
The credit cards in your wallet could be weighing you down or allowing you greater financial freedom. You must ask yourself if your credit cards have become a burden and make sure you are not starting a cycle that will cause financial strife for you later in life. The...
Overall Score 46.2 Net Monetary Value 32.9 Product Features 66.7 Customer Experience 82.4 Pros & Cons If you’re a frequent flyer with Lufthansa, Austrian Airlines, Brussels Airlines, SWISS or Star Alliance, the Miles & More World Elite MasterCard is a great option for you. You can earn points with...
Overall Score 63.8 Net Monetary Value 73.2 Product Features 66.7 Customer Experience 29.4 Pros & Cons The FlexPerks Reserve Visa Signature Card is available to clients subscribed to U.S. Bank’s wealth management unit also dubbed the Private Client Reserve. The benefits include bonus points redeemable for travel, access to...
Some issuing card companies offer cardholders incentives for using their credit cards. These credit cards are called rewards credit cards. There isn’t just one type of rewards credit card, but three types: miles, points and cash. Miles Rewards Miles reward credit cards, or travel cards, allows the cardholder to...
Overall Score 73.5 Net Monetary Value 71.9 Product Features 66.7 Customer Experience 82.4 Pros & Cons Members can earn bonus points annually, on JetBlue purchases, in restaurants and grocery stores, and some points on all other purchases. Cardholders can use their points against their flight costs with JetBlue and...
Overall Score 32.9 Net Monetary Value 24.1 Product Features 77.8 Customer Experience 41.2 Pros & Cons With the Discover it Miles card, the card holders can cash rewards or earn travel miles. Miles can be redeemed for cash through an electronic bank deposit or for travel purchase credits...
Studies have recently shown that 56% of consumers have bad credit. If you’re part of the 56%, there’s help available. It can be hard to improve your credit on your own, but thankfully, some companies can help repair your credit. Before you decide to hire a credit repair company...
Overall Score 69.3 Net Monetary Value 71.1 Product Features 66.7 Customer Experience 64.7 Pros & Cons If you want early boarding and saving money on return flight tickets, the Gold Delta SkyMiles Credit Card is a good fit. Points are earned on Delta purchases and other eligible purchases...
Overall Score 55.1 Net Monetary Value 69.3 Product Features 77.8 Customer Experience -5.9 Pros & Cons The Citi Diamond Preferred Card is for those seeking assistance with travel arrangements. The Diamond Preferred concierge service can book flights, hotel rooms, and even concert tickets. For an introductory period, users are...
If you have bad credit, you’re not alone. Studies show that 56% of Americans have bad credit; the Federal Trade Commission discovered that one in four people have had an error on their credit report that’s negatively affecting their score. One way you can improve your credit is by...
Overall Score 51.1 Net Monetary Value 39.9 Product Features 66.7 Customer Experience 82.4 Pros & Cons With the Hawaiian Airlines World Elite MasterCard you can get a discounted fair for a companion traveller. You can gain points with purchases from Hawaiian Airlines or their partner airlines. You can also...
Overall Score 66.0 Net Monetary Value 66.2 Product Features 66.7 Customer Experience 64.7 Pros & Cons If you’re a frequent flyer with Virgin Atlantic Airways, this card will allow you earn more flights and upgrades. You can earn the most points on Virgin Atlantic purchases but can also earn...
Overall Score 77.4 Net Monetary Value 86.0 Product Features 77.8 Customer Experience 47.1 Pros & Cons Offered through Chase, the British Airways Visa Signature Card can earn you points on every dollar spent on British Airways, and all your other purchases. Your points are redeemable against flights with British...
Overall Score 54.9 Net Monetary Value 60.5 Product Features 66.7 Customer Experience 29.4 Pros & Cons When you purchase air travel tickets, vacations, groceries, and gas, you can earn points on the Aeromexico Visa Signature Card. The first purchase you make with the card can earn you a companion...
Overall Score 44.2 Net Monetary Value 35.1 Product Features 66.7 Customer Experience 64.7 Pros & Cons You will earn miles on every purchase made with the card, but even more miles on purchases made on Spirit Airlines. You can earn bonus miles on your first purchase and can...
Overall Score 83.2 Net Monetary Value 94.3 Product Features 77.8 Customer Experience 47.1 Pros & Cons The United MileagePlus Club Card is great for frequent United Airlines flyers. On signing up for the card you will receive a United Club membership, free checking on 2 bags, and priority check-in,...
Overall Score 62.5 Net Monetary Value 69.7 Product Features 77.8 Customer Experience 29.4 Pros & Cons The Wells Fargo Propel 365 American Express Card is suited for those looking to earn maximum points on purchases at gas stations and restaurants. Users earn some points on all other purchases as...
Joining the military gives you the chance to fight for your country and show your pride, but you can also get incredible financial benefits. Enlisting allows you to go to college for free and so much more. Here is an overview of some of the best benefits you can...
Credit card offers can be overwhelming for a consumer. When multiple credit card companies are giving a person an offer, it is very important to compare all of the offers. Just because a person is given a specific credit card offer does not mean the person should open that...
Overall Score 61.7 Net Monetary Value 70.2 Product Features 66.7 Customer Experience 29.4 Pros & Cons No Foreign Transaction Fee Sign-up Bonus $0 Annual Fee First Year Annual Fee Card Details Intro Promotions Intro APR N/A Intro Balance Transfer N/A Credit Needed Good (690-720) Ongoing APR 14.24% – 24.49%...
When you’re trying to first get a business loan, you need to remember that it’s not nearly as easy as it may seem. If it doesn’t seem easy you’ve caught the idea. Getting a business loan is not going to be simple, you need to be ready when you...
Fixed-rate mortgages are the most widely used form of home mortgage loans. It is a basic arrangement in which the lender calculates the principal amount, using a single interest rate, and then divides the sum equally over an agreed period of years. The most popular terms are 30-year and...
If you have an interest in making more money and preparing for your future finances, then you must be thinking about investing in the stock market. The stock market is a particular market where stocks and bonds are traded. The stock market also, according to the way some people refer...
Managing your payroll is one of the most difficult tasks while conducting any business. Some small business owners wish that there could be an automated software that could manage their enterprises’ payroll to reduce the associated headache and costs. However, since as a small business owner you need everything...
For many students, loans may be the only way to afford a college education. Unfortunately, loans can total thousands of dollars and become a financial burden to students when they are finally starting their careers. While some students are able to pay off their loans, others need the services...
Do you often find yourself sitting at an impossible fork in your financial road of savings or quick cash? Easily accessible debit cash in emergencies is always a comfortable safety net, but what about the long-term growth of a retirement fund? When you find yourself depositing money, is it...
You may end up declaring bankruptcy during a financial crisis, but it shouldn’t be taken lightly. This pros and cons list may help you discover whether filing for Chapter 7 or Chapter 13 bankruptcy is fitting for your situation. Pros of Declaring Bankruptcy Collections Stopped: Filing for bankruptcy stops...
A car title loan is a fast, easy way to get money using your car title instead of your credit score. When it comes to finding good information for car title loans, the online resources are important. The size of the title loan is normally determined by the amount...
The stock market is usually affected by various seasonal trends that no one can tell exactly when to buy stocks. An old saying “sell high buy low” is a strategy that does not focus on when to do it. However, understanding how the market operates is a great way...
If you are venturing out on your own and starting a new small business, you must be looking for a loan. There are alternatives to banks that people use to borrow money at much lower interest rates than the bank, commonly known as merchant cash advance (MCA). This was...
The Home Affordable Refinance Program (HARP) is a U.S. federal program that began in 2009. The goal of the program is to help struggling homeowners refinance their mortgages. The following is a short history of HARP and how the program continues today. The Crisis After the U.S. housing bubble...
Sending money across the United States and abroad is incredibly easy, especially with all the new technology. Unfortunately, criminals have come up with scams to get people to initiate wire transfers to tap into your bank account. Avoid falling victim to these scams by reading about some of the...
Cloud-based payroll service OnPay has greatly improved since the last few years, but it unbelievably gets the same rating year after year. Why is this so? Apparently, there has been a lot of competition. Starting with Gusto being their stiffest competition. In spite of all the challenges, OnPay is...
Student loans must be repaid. However, the federal government understands that you may not have the money to repay your loans when they are due. That’s why you have two options to suspend student loan payments: deferment or forbearance. A deferment is specific to the time which the interest...
Bernard Baruch used to own his seat on the NYSE (New York Stock Exchange), which he earned by the age of 30 and became one of best-known financiers in the country by 1910. Mr. Baruch, as a master of his own profession, didn’t have any illusions about the complications...
Have you considered hiring a bankruptcy lawyer? You technically don’t need to hire an attorney to file for bankruptcy, but hiring an experienced, dedicated attorney is a wise decision. Before you shrug off the idea of hiring a lawyer, read these five advantages to having a bankruptcy lawyer work...