0 Apr Credit Cards

Benefits Of 0 APR Credit Cards A credit card’s interest rate is the cost or price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate called the annual percentage rate (APR). On most cards, you can avoid paying interest on purchases if you pay your balance in full…


How to Use Your Credit Cards to Grow Your Income

Usually when people think about credit cards, they usually think of money going one way: out. Most people are financially responsible. They know that credit cards don’t produce free money. They know that credit cards have to be paid off. Most people get this. This is why there is a common misconception around credit cards…


Understanding the Non-monetary Benefits of Debt Consolidation

It’s easy to get all caught up in the financial benefits of debt consolidation. After all, the reason why people go through the consolidation process in the first place is to get out from under the crushing monthly bills that they have to deal with. Nothing is more depressing than seeing tons of bills that…


Where to Get a Free Credit Report

There are many situations where a credit report is going to be important and getting it as soon as possible is always recommended. You don’t want to be trapped in a situation where you are unaware of your credit score as this can be distressing, to say the least. Instead of letting this happen, you…


How to Make the Most of Student Loan Assistance Programs

Due to the student debt problem in the United States, more and more student loan assistance programs are showing up. These assistance programs have all the best intentions behind them. For the most part, if things work out in your particular situation and you’re dealing with the right set of circumstances, these types of assistance…


How to Live With a Huge Amount of Student Loans

Most students in the United States are dealing with student loans. Some of them may be dealing with a few thousand dollars, while others have the enviable position of having to deal with hundreds of thousands of dollars in student loans. This may seem like a nightmare scenario and a negative situation. Well, if you…


Removing Spouse From Mortgage Loan After Divorce

Do I Need To Refinance The Home After Divorce To Get His Name Off The Loan? When couples are applying for a joint mortgage, the lender typically uses both credit scores and incomes to determine if they qualify. Dual incomes are actually required in many cases to qualify for particular amounts. Both parties are thus…


What is a Cash Back Refinance

All About Cash Back Refinance If you have some equity in your home and you need cash for something, you have the option to refinance your mortgage in a manner that puts cash directly in your pocket. This type of refinance is called cash back or cash out refinance. Cash back refinance has gained a…


Refinancing Student Loans Can Make Life Easier

Getting the right education can be fairly expensive and many students opt for student loans to help them to take care of their expenses during their college years. At this stage of life, students are eager to get the loans and start out their professional careers and do not really go through all the terms…


How Much Does it Cost to Refinance a Home Mortgage

Getting a new mortgage to replace the original mortgage is called refinancing. The purpose of refinancing is to allow a borrower to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage.…