How well are you taking care of your financial health? Your credit score tells a lot about how you manage your money, which is why there are several important reasons it's absolutely crucial to maintain a good -- if not excellent -- credit ...
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Understanding the UltraFICO Credit Score
You probably already know your credit score is one of the chief determining factors when lenders evaluate your loan worthiness; this has traditionally been based solely upon your repayment history, the amount of your outstanding debt and the length ...
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What Is a Debt Consolidation Loan (and Should You Get One)?
What's trickier than having a debt? Answer: having to juggle multiple debts.
Whenever you owe numerous creditors, keeping up with your debts becomes that much more complicated. Suddenly you're dealing with varying deadlines, interest rates, ...
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7 Tips For Taking Out A Short-Term Loan
If an unexpected expense arises and you don't have enough cash available, you aren't alone. Coming up short on cash is something that affects most people at one point or another.
In fact, situations like these are what led to the development of ...
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Does Birth Order Influence Your Financial Behavior?
Many people believe birth order is responsible for their status in life.
I happen to be a firstborn child, which is why I love to remind my younger sister that scientific studies suggest firstborn kids are smarter than their ...
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What Is an Installment Loan and What Are Some Examples?
You hear about all kinds of loans every day. Loans for your car, loans for your home, and even loans to pay for those medical bills that you weren't expecting. But, when you go to your bank or other service provider, what are you getting? Answer: an ...
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The 6 Most Common Reasons Why Your Loan Application Was Rejected
If you applied for a loan and receive a rejection, you're not alone. Getting rejected for a loan is frustrating, but there are usually good reasons why you didn't get that approval. Here are six of the most essential factors:
Poor Credit Score. If ...
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The Importance of Good Credit and 5 Ways to Improve Your Score
In today's day and age, it's incredibly difficult, but not impossible, to survive with a bad credit history. Surviving with bad credit is definitely going to cost you monetarily. When you have a good credit score, you can finally start saving money ...
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Are You Prepared for Managing Money and Other Responsibilities?
I have an eleven-year-old son who is clamoring for a cell phone. But cell phone aside, my son has been getting an allowance and, quite often, Granny tops off his piggy bank during Christmas and his birthday. I've observed some very interesting things ...
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5 Important Factors to Consider Before Applying for a Business Loan
Expanding or growing a business usually means paying for the increasing accounts receivable balances, buying new equipment, and paying for more manpower. However, businesses that don't have enough funds often need to consider applying for a business ...
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How To Get A Personal Loan With No Credit History
Credit is the gateway to financial opportunity, but without a credit history of at least 18 good months, many opportunities can slip through the cracks. However, zero credit is not the end all for financial breakthroughs. The good news is there are ...
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100 Words On: The One-Armed Bandit’s Armless Cousin
Who hasn't been fleeced by a casino slot machine? Although only Keno offers worse odds of winning, slots are by far the most popular casino game, responsible for 70% of all gambling industry winnings -- so it's really no surprise they're derisively ...
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A Guide to Improving Your Credit Score
If you're struggling to get approved for loans or credit cards and aren't securing favorable financing rates, you may need to work on improving your credit score. Improving your credit may sound like an intimidating process, but it's possible to ...
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18 Amazing Facts You Didn’t Know About Your Credit Cards
If you're like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found ...
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Good Personal Finance Habits Everyone Should Follow
There are good habits and there are bad habits - and I have a lot of bad habits.
For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass -- then walking away and leaving ...
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5 Things You Should Know Before Getting a Student Loan
If you want to practice law, write a brilliant research paper worthy of a Nobel Prize, or engineer a rocket, then you'll need to go to college. You'll also need to write the lion share of your essays -- or at least address an essay help service if ...
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Dealing with Past Sins: 3 Inventive Ways to Pay Off Your Student Loan Debt
It's a rare college student nowadays who gets through a four-year degree without accumulating a significant amount of debt. Last year, the average student borrowed more than $38,000 in student loans. If you are worried about student loan debt, ...
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2 Short Term Loans That Don’t Require a Credit Check
A lot of Americans nowadays have bad credit ratings, or no credit rating at all. According to credit bureau Experian, the newest VantageScore model estimates there are 68 million people with credit ratings to have bad or poor credit scores.
For ...
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How to Make Better Financial Decisions
Good financial decisions are rarely impulsive. When you make irrational, spur of the moment decisions with money, they usually lead to overspending or -- even worse -- to unwise investments. As a result, you will be unlikely to maximize your savings ...
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4 Smart Reasons for Tapping Your Home Equity
Did you know that your home has a tangible value to it that you can use? The equity in your house is something that you can take advantage of, but only if you have a good reason to.
Using your home's equity is basically like taking out a second ...
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