Mortgage Q&A: “What is the easiest type of mortgage to get?” Relative to other types of loans, it can be difficult to get approved for a mortgage. After all, mortgage lenders typically require a tri-merge credit report, steady income and employment, and assets in the bank. They don’t...
A student credit card can be easier to get than a regular one if you have no credit history at all or a limited one. The federalCARD Actrequires you to be at least 21 to get a student credit card in your name, although you can apply as young as 18 if you have sufficient income o...
Don’t put any charges on your credit card unless you can pay them in full. Credit card issuers charge a very high APY and it’s very easy to fall into a cycle of debt that you can’t get under from. If you need a personal loan, speak to your local credit union instead. For T...
Back when the 10-year bond yield was at 3.21%, one of the best online savings rates I could find was CIT Bank at 2.45%. I track CIT Bank closely because they not only offer one of the best rates, but they are also an affiliate partner and I get all their updates via e-mail. A...
At the same time, I didn’t want to spend more than $2,000 a month on rent because the return on rent is always zero. I became very disillusioned with having a large chunk of money in the bank and started wondering what is the point of working more since I had more than I co...
combined with not merely with regards to relates to reselling. You will often utilize that money as security to get domestic money line of credit (HELOC) or a home equity cash. Plenty of ship loan providers whom offer house mortgage loans will use land money truly payday loan in huntsville ...
off-limits. I just did it for $500 as I like to have padding in my checking just in case I slip up somewhere… This is also great if your bank charges you a fee for not having a certain balance in there (though I advise you to go find a better bank if that’s the case ;)...
2. Wait until I have the money in my bank account before I spend it. Such a silly thing but I’d spend next week’s paycheck at Target because convenience. “I’m already here so I might as well stock up on [home decor, clothes, lip gloss, not-necessities].” I was always in ...
He uses Mint.com to track his responsibilities because it's digital, has a free app, and connects with every loan, bank account, and credit/debit card we have. Plus, he can also set and track financial goals. I recommend doing both the free budget printables and the app. Mint is more...