July 2009

LendingClub’s LendingMatch: An Easy Way to Invest in P2P Loans (Video)

July 31, 2009

With interest rates so low on CDs and savings accounts, I’ve been more and more focused on investing in p2p loans on LendingClub. Starting this month, I’m adding $100 to $200 a month to my account, and investing it in new loans. To make this process simple, I use a LendingClub tool called LendingMatch. LendingMatch [...]

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Balance Transfer Smackdown: 0% for 6 Months vs. 3.99% for 12 Months

July 31, 2009

0% balance transfer offers are becoming harder and harder to find. In part due to the passage of the Credit Card Act of 2009, the length of 0% offers has diminished, while balance transfer fees have gone up. Earlier this year, it was easy to find a 0% balance transfer offer for 12 months, for [...]

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Changing Jobs? Should You Borrow to Repay a 401k Loan?

July 30, 2009

One of the features of many 401k retirement plans is that you can borrower money from your own account. While 401k plans are not required to permit plan participants to take out loans, many plans do. Much has been written about the pros and cons of 401k loans. One of the potential drawbacks comes into [...]

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Get Cheap College Textbooks Online with CourseSmart.com

July 28, 2009

Having spent 7 years in college and law school, I can testify to the fact that there are three major problems with college textbooks: (1) they require the harvesting of a lot of trees to produce, (2) they are a pain to cart around, and (3), they cost a fortune. At least one company, CourseSmart.com, [...]

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A Free Resume Template Site from Microsoft

July 25, 2009

Trying to create a resume from scratch can be a real chore, particularly if you’ve just been laid off. We’ve written in the past about free resume templates that can help you develop a professional looking resume. Microsoft has updated its site that provides literally hundreds of free resume samples and templates. And the site [...]

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Will the ‘Real’ FICO Credit Score Please Stand Up

July 22, 2009

Earlier this week we took a look at how to get your free FICO credit score from myFICO.com. Operated by the Fair Isaac Corporation, the creator of the FICO credit score, it offers consumers a free credit report and FICO credit score when they sign-up for a 30-day trial of Score Watch. The FICO credit [...]

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How to Get Your Free FICO Credit Score

July 19, 2009

Earlier, we compared FreeCreditReport.com to AnnualCreditReport.com. While the names can be deceiving, the place you want to go for a free credit report is AnnualCreditReport.com. But the one very important piece of information you won’t get there is your FICO credit score. And it’s a question heard a lot: “How do I get my free [...]

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The College Student’s Guide to Credit Cards

July 16, 2009

Student credit cards kind of remind me of the movie, A Few Good Men, starring Tom Cruise and and Jack Nicholson. If you’ve seen the movie, you remember well Lt. Daniel Kaffee’s (Cruise) cross examination of Col. Nathan R. Jessep (Nicholson). In that powerful cross examination, all Lt. Kaffee wants is the truth: When it [...]

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How to Read a HUD-1 Settlement Statement

July 14, 2009

If you are about to purchase or refinance a home, then you will be faced with the task of reading and understanding a HUD-1 Settlement Statement. A HUD-1 Settlement Statement is provided by a mortgage lender or broker as required by the Real Estate Settlement Procedures Act (RESPA). The HUD-1 itemizes the costs and fees [...]

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