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. […]