Chapter 13 discharge is the final step of Chapter 13 bankruptcy and, on average, lowers your credit score by 150 to 200 points. It releases debtors of all payments and ensures that creditors cannot come to collect more payments from them. A Chapter 13 discharge lowers credit scores and stays on credit reports for seven years.

You can have two car loans at the same time. However, it is usually more difficult to get approved for a second loan than it is for the first. Lenders will be pickier when looking over your qualifications to approve you for a second loan. But approval is possible, and a second car loan can be a good way to finance an additional vehicle.

You don’t need a job to get a credit card; you just need a reliable source of income. Income can come in many different forms. Scholarships, unemployment benefits, and child support can all count as income on a credit card application. You can also list your parent’s or spouse’s income on an application if you have regular access to it.

Borrowers who are granted forbearance are temporarily able to stop making payments on their mortgage or have the payment amount cut back. You can sell your home while it is in forbearance, but the debt accumulated during the forbearance period will have to be paid back.

Insurance claims can help you cover medical and repair expenses following a car crash. But the amount of time you have to file a claim after an accident varies by state. If you do not file a claim within that time limit, you will not receive financial compensation.

Walmart is one of many retail stores that offer cash back when you make a transaction. In this context, cash back, or cashback, refers to receiving cash when making a purchase at the store. The amount of cash you request is added to the total amount of your purchase. Depending on your payment method, you can get between $20 and $120 back in cash at Walmart.

Although auto insurance usually covers car accident injuries, health insurance companies can step in when that is not the case. If your health insurance does not cover an injury for one reason or another, personal injury protection (PIP) or medical payment coverage (MedPay) plan could also help with that.

United Polaris is United Airlines’ premium business class service that offers many in-flight and on-the-ground benefits. Those benefits include lounges at select airports that provide top-quality services to their customers. Only those flying certain long-haul international flights can access the United Polaris lounges. There, they can enjoy food, drinks, quiet time, and a shower.

A company’s assets fall into two categories: intangible and tangible assets. Intangible assets are objects of monetary value that you cannot touch, while tangible assets are physical objects used by the organization. While both are important to the success of a business, intangible assets tend to bring more revenue over time than tangible assets.

FIFO is the most commonly used of the three inventory management methods. FIFO — which stands for first in, first out — assumes that the oldest inventory is sold before the newer inventory. This inventory management method helps determine how much a business spent on goods, information important for completing tax returns, and is used to show investors a company’s profitability.