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Zina Kumok

articles from Zina

8 posts

How to Save Money on a Wedding: 5 Simple Money-Saving Tips

Published 09/08/2017 by Zina Kumok

Weddings are expensive. Period. If you’ve put off planning your wedding because of the price tag attached to it, you’re not alone. The good news is that there are ways you can cut costs and still have the wedding of your dreams. Here are 5 simple ways to plan your perfect wedding without breaking the bank.

If you’re struggling to make your student loan payments, or just want to pay them off faster, you’ll usually get the same advice: apply for refinancing. That’s great advice and often leads to lower interest rates and an easier repayment schedule. However, what if your application is denied? What if you can’t refinance your student loans?

Deciding whether or not to buy extra insurance is a difficult choice to make. If you purchase coverage you never end up using, then you might feel like you’ve wasted your money. On the other hand, if you buy inadequate coverage, then you might find yourself wishing you had spent more money. But how much does full coverage cost?

How Much Should My Car Down Payment Be?

Published 07/02/2017 by Zina Kumok

As you probably know, a mortgage company requires a down payment before you buy a house. By putting money down upfront, the borrower shows that they’re fully invested in the property. Plus, saving up for a down payment requires patience, determination, and responsible money management – these are all things that lenders like to see.

5 Reasons to Avoid Personal Loans

Published 07/02/2017 by Zina Kumok

When you’re strapped for cash, a personal loan may seem like an obvious solution. If collections agencies are calling you, unpaid bills are stacking up, and the refrigerator is as empty as your bank account, you might decide to look for a personal loan.

When the Federal Reserve raised interest rates in 2015, it was the first time in nearly a decade. Since then, the rate has been raised twice more, most recently in March. If you expect this upward trajectory to be short-lived, you’re in for a rude awakening. The Fed expects interest rates to continue rising as the economy improves, bucking a roughly 30-year downward progression.

FHA Loans: The Pros and Cons

Published 05/22/2017 by Zina Kumok

With housing prices skyrocketing in major cities across the country, lots of prospective homeowners are moving their timeline up — way up. So many markets seem to be on the cusp of booming, everyone is trying to get their foot in the door before it gets slammed in their face.

5 Good Reasons to Take Out a Personal Loan

Published 05/03/2017 by Zina Kumok

When done responsibly, taking out a personal loan is like making an investment in your future. When done irresponsibly, it’s like gambling with fate. So how can you tell the difference between the two?

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