baby life insurance

Having a baby is one of those milestones in life where parents should start considering life insurance. But do you need life insurance for your baby? Many experts would tell you that it’s not necessary. But getting life insurance is sometimes more about giving your family choices than it is a simple financial transaction. Here are three reasons […]

personal loan denial

Getting a personal loan application denied can feel like an insult, but don’t take it personally. Lenders use credit and income information, as well as other factors, to determine how likely you are to repay the loan. And if you’re new to credit or have made some past credit missteps, it could signal to lenders […]

Upromise Mastercard

This is an in-depth review of the Upromise Mastercard. See if this card is right for you and your family. The United States is in the midst of a student loan crisis. The average graduate leaves college with a debt load of $30,301 according to the latest data by the National Center for Education Statistics. As such, it’s more […]

How to Respond to IRS Letter 226J

How to Respond to IRS Letter 226J

Are you a business owner that the IRS considers an applicable large employer? If so, you’re required to provide your full-time employees with an opportunity to enroll in a health insurance plan with at least the minimum essential coverage. If you don’t meet the IRS’s requirements, however, you may receive IRS Letter 226J and be on the […]

holiday loans

Borrowing money for the holidays is never ideal, but sometimes life happens, and you run out of options. So, if you’re considering a holiday loan, it’s important to be smart about it. Try to avoid short-term loans with high interest rates, such as payday loans and cash advances. Check what rates you qualify for with […]

ULTRAFICO SCORE launched

In partnership with Experian and fintech company Finicity, FICO recently announced a new credit scoring model called the UltraFICO Score. This new score will give customers the choice to include data from their bank accounts as well. This marks the first time the credit scoring pioneer has included consumer-contributed data in its credit scoring calculations. This makes it possible for people who can’t […]

How do Speeding Tickets Affect Insurance Rates

People sometimes do irrational things when there’s a police car behind them. They’ll slow down well below the speed limit and overthink every single move they make. There’s a reason for that fear, though. Getting pulled over is rarely a good experience. If you’ve committed a traffic violation, such as running a stop sign or […]

The definitive guide to retirement planning

Have you ever wanted to align your investment portfolio with your fundamental values? If so, it’s easier now more than ever. Some investment companies are making socially responsible investing a popular way for people to find companies that match their values without sacrificing a diversified portfolio. One drawback, though, is that you could miss out […]

secured credit cards that repair credit

If you have bad credit or you’re looking to get your first credit account, a credit card can help you establish a great credit score. But getting a credit card isn’t always wise or possible. For example, student credit cards typically have an income requirement, which is hard to meet if you’re going to school full time. And secured credit […]

Best Money Transfer Services of 2018

Whether you want to send money to a friend sitting next to you or a family member halfway around the world, you have options. There’s a wide selection of money transfer services from which you can choose. Not all are created equal, though, which can make it difficult to know which one is best for you. […]

average income of side jobs

Are you looking to save extra money or pay off debt? Or maybe you just want some extra cash in your pocket for the weekends. Regardless of your specific goal, finding a side job can help. Here are the best side jobs from home currently out there. But getting a second job away from home adds yet another […]

Pay medical bills without going broke

As a healthcare provider, you’re dedicated to helping people. But due to the nature and costs inherent to the healthcare industry, your patients often end up with a large bill. Point of sale financing for healthcare may help your patients make financial arrangements to pay their bills. According to a report by the Kaiser Family Foundation, […]

Are Home Improvement Loans Tax Deductible?

Article Summary There are multiple ways to finance the repair or replacement of a roof. This article provides a detailed guide on how to compare the options available and get the best deal possible. Remember these steps when planning your next roof project: Collect quotes for your roofing project. Ask about repair versus replacement and […]

contractor financing platform

As a contractor, one of the hardest parts of the job is getting paid. If your customers don’t have cash, they need to secure financing before they can pay you. And even then, it can take a while to get what you’ve earned.  Zero fee contractor financing may help you collect your payment faster. Contractor […]

International Student Car Loans: What You Need to Know

If you’re looking for international student car loans in the U.S., your options are limited. Traditional auto lenders typically require a credit history and a Social Security number, both of which are hard to come by when you’re not a citizen. Fortunately, there are some solutions that can help you get the access to transportation you need. With an […]

Chinese Real Estate Investors Reverse Decade-Long Buying Spree

Since 2008, Chinese real estate investors have spent tens of billions of dollars on commercial properties in the United States. In many cases, they’ve overpaid to acquire hotels, office buildings, and empty lots to build new residential spaces. But according to a report by the Wall Street Journal, all of that came crashing down in […]

How Soon Can You Refinance a Student Loan After Graduating?

If you’re about to leave college or you just graduated, you might already be thinking about what you’re going to do with your student loans. Refinancing is one option to help you pay them down more quickly. But how soon can you refinance a student loan after graduation? There’s no waiting period, so you can technically refinance […]

How Long Does It Take to Get Approved for Student Loan Consolidation?

If you’ve taken out a lot of student loans, student loan consolidation can help you streamline your repayment plan into one new loan. But how long does it take to get approved for student loan consolidation? The short answer is approval can take anywhere between a few days and a few months. It all depends […]

pros and cons of reverse mortgages

If you’re deep into your retirement and running out of money, you don’t have many options. Going back to work can be difficult or even impossible, and you may not have access to other income streams. In a situation like this, it might make sense to consider a reverse mortgage. Here are the pros and cons […]

Woman researches whether you can remove student loans from your credit report

11.5% of students with loans default on them (Department of Education). Defaulting on student loan debt is never ideal, but sometimes it’s outside of your control. It’s certainly not rare. Approximately 11.5% of borrowers with student debt default on their loans. If you make a mistake or can’t make payments because of something outside of […]