Credit problems usually result from a lack of communication between the consumer and the creditor. The consumer is not always responsible for credit problems which occur. Losses which occur due to mail, delayed payments and clerical/computer errors are the most common credit problems blamed on the creditor. Some of the prevalent reasons consumers develop …
When looking to ease the burdens of interest you are currently paying, you may want to consider refinancing your home. However, you must also recognize and be aware of all the costs associated with refinancing. When you are looking to refinance your home, you should think of it as starting from square one. This …
Who doesn’t dislike rejection? We all live in fear of rejection — be it from parents, teachers, or friends. However, rejection becomes particularly painful and burdensome when it’s issued by a loan officer. So, give your application for home mortgage refinance the best chance to be accepted! Application Anxiety Filling out applications is an …
Do you find yourself groaning every time you file your tax returns? Do you cluck with anxiety and regret each time you calculate how much of your paycheck actually goes to the tax guys? If your answer is yes to both questions, buy a house! Home loan lending makes owning a house easy. Additionally, …
When looking at the different options for car rental insurance in the United States, you will generally run into five options. These are Loss Damage Waivers (LDW) which are also commonly referred to as Collision Damage Waivers (CDW). There is also Liability Insurance Supplement (LIS), Personal Accident Insurance (PAI), and UMP, which is Un- …
Traveling is a great way to gain new experiences and learn a new culture. However, it’s not too much fun to travel with the thought of your safety hanging over your head right? Because no matter how everything seems to be well-planned, you know that something will inevitably go wrong. Accidents, loss of possession, …
Because bitcoin is an invisible currency with no central bank or government to regulate it, bitcoin users put their faith in a complex system of decentralized oversight called mining. Anyone can join to workforce of miners, who use mathematical equations to verify individual transactions — ensuring, in effect, that no one tries to spend …
HEALTH INSURANCE Need it?: Yes. (Or pay a fine. Thanks, Obamacare!) Baseline coverage: High-deductible, so-called catastrophe insurance. Sweet spot: If you’re under forty and/or relatively healthy, a decent HMO plan (lower cost, less coverage, smaller network); if you’re over forty and/or like going to the doctor, an EPO or PPO (pricier, but more options …
For many people, the idea of cryptocurrency, or digital money, is downright mysterious. Still, cryptocurrency has been around for more than a decade, and a growing number of people are starting to use and invest in the world of virtual coins and tokens. But what, exactly, is it? How does it work? And how …
Charitable organizations need our help more than ever. But how do you choose a good nonprofit? Here’s what you need to know and what documents you’ll need for Uncle Sam. 1. KNOW YOUR HEART Before you hit the “donate now” button on a website or send a check, “it’s important to do an audit …