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 […]

how to use student loan consolidation

Best Personal Loans for Students

As a college student, you don’t have many options when it comes to loans. Most of the top personal loans on the market require great credit and a steady income, which typically aren’t a student’s strong suit. This article may focus on the best personal loans for students, but you shouldn’t rush into an unsecured personal […]

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 […]

Funding-for-Small-Businesses

If you’re a business owner or contractor, getting a personal loan may require a more complicated process than if you were a W-2 employee. That’s because you’re less likely to have a pay stub or W-2 form—both straightforward documents that lenders use to prove income. But just because the process is more complicated doesn’t mean […]

business credit card

Whether you’re just starting a business or you’ve run your company for years, a business credit card can help you cover expenses while offering rewards and perks. One of the biggest drawbacks of business credit cards, however, is that they typically require a personal guarantee. Also called joint and several liability, a personal guarantee requires […]

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

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

It’s common to go into debt during the holidays. But if you’re going to do it, it’s important to do it wisely. Holiday loans might be a viable option for you According to the latest survey by the National Retail Federation, the average consumer will spend $1,007 during the holiday season. About $506 will be […]

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 […]