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Not too long ago there was one option for those needing a personal loan–the local bank. The application process was long and tedious. It was difficult and time consuming to compare rates. And fees were often extremely high. P2P lending sites and other online financial institutions have changed the way we shop for a personal…
Students who graduated college in 2018 did so with an average of nearly $30,000 in student loan debt. That’s a startlingly large amount of money. But it’s nice to know that if you’re in that boat, you’re definitely not alone. What you don’t want to do, though, is keep that debt around, as Dave Ramsey…
Managing your money while on the go can be difficult. You need separate apps for your bank, investments, and credit cards, and keeping track of where your money is can get tricky. MoneyLion is an app that aims to be an all-in-one financial app, giving you an easy-to-use bank account, investing services, lending, and more….
I live in a fairly low-income urban neighborhood, and payday loan places abound. They’re everywhere because these types of loans target themselves toward the millions of Americans who live paycheck to paycheck. They’re just getting by, and a single disaster can make it impossible to pay that month’s rent. Payday loans are a problem for…
Should I pay off my mortgage early is an important decision. For some, it’s a question of whether to allocate some extra cash each month to the mortgage. For others, it’s a question of whether to pay off the home loan all at once. The lump-sum approach often becomes an option for an inheritance or…
Some people call it “good” debt because it could increase your net worth. That said, its still debt, which means you’re paying interest in order to use that money. Financially–and to some degree, psychologically–it can sometimes make sense to pay this debt off quickly. This is where the debate over 30-year versus 15-year mortgages comes…
These days “round up” apps are everywhere (Acorns, DollarBird, Digit). These apps automatically “round up” your transactions, and toss your change towards specific accounts or goals. They’re basically the modern version of the change jars my grandma used to use to save for vacations. Since many of us rarely use cash anymore, saving the change…
After falling for decades, mortgage rates may actually be on their way back up. Granted, it’s still nowhere near the 15 percent or more consumers paid on 30-year, fixed-rate mortgages in the mid-1980′s. But, still, it’s important to get the best mortgage rate you possibly can. So that’s what we’ll dive into here. What Determines…
At least once a year I look down at the dust on my baseboards and try to think of the last time I cleaned them. Typically we wait until spring to clean the minutiae of our homes but in years you forget, that you’ve got to get down on the floor and wipe your baseboards…