Which FICO Scores Do Mortgage Lenders Use?

As I’ve mentioned before, I’ve been on a refinancing binge. My wife and I have refinanced our home twice in the last 12 months, and my business partner and I are doing the same with three rental properties. With mortgage rates at an all time low, these deals were just too good to pass up. […]


How Much Car Can You Afford?

I‘ve been talking to my children about finances a lot lately. As they near high school graduation (one senior, one junior), I grow more and more concerned about their ability to handle money. And last week the talk centered around how much you should spend on a car. Why am I worried? Well, my daughter […]


List of Prepaid Credit Cards That Build Credit

In response to an article about free and low cost prepaid cards, a reader asked about building credit with a prepaid credit card: “Is using a Prepaid Credit Card a way to build a credit history for someone who doesn’t have one?” This is a great question, and underscores how confusing the different types of […]


American Express + Twitter = Savings

There’s two ways to spend less money–the easy way and the hard way. The hard way involves cutting back on everything from eating out to buying clothes to taking vacations. The easy way to spend less involves making smart changes that don’t affect your lifestyle, such as refinancing debt to lower rates or comparison shopping […]


6 Ways to Get Your Tax Refund Fast

Back in the day, I vividly recall running to the mail box to look for our tax refund. It was as if I’d found free money, even though I knew of course that it was just the IRS returning my own money to me. Still, tax refund day made me feel like I had won […]


Green Dot® Cash Back Visa® Debit Card

The is arguably the most widely used prepaid card today. You’ve likely seen the Green Dot card for sale at pharmacies, grocery stores, and even Walmart. The is offered by Green Dot, a publicly traded company (NYSE:GDOT), and it sells about 1.5 million new prepaid cards every quarter. So it’s big. But is its prepaid […]