Key takeaways You can find equipment loans from traditional banks, online lenders and even equipment manufacturers in some cases SBA 504 loans are an option if you’re looking to apply for an SBA loan for an equipment purchase If you can’t get approved for an equipment loan or need an…
Stock charts and their accompanying data can appear complex and may be difficult to understand for new investors. The good news is that with a little help, these charts — and the information they contain — can be useful during your research process to more easily identify attractive investment opportunities.…
Homeowners insurance is a no-brainer for people who purchase a property. In fact, if you finance a home, your lender will likely make it a condition of loan approval. But what about renters? You may or may not be required by a landlord to have similar coverage. Even if your…
Key takeaways You don’t need to put 20 percent down to get a mortgage, and some mortgages don’t even require a down payment. You can get a conventional mortgage with 3 percent down, but with anything less than 20 percent, you’ll have to pay mortgage insurance. Making a larger down…
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Technology has transformed some parts of the daunting homebuying process–making it easier to search and compare properties online, to prepare…
The Covid pandemic crushed immigration and demand for Nova Credit’s tech. Then its founder discovered a second line of business.…
As the Biden administration exits Washington, President-elect Donald Trump inherits a federal student loan system that looks much different than…
When most people think of identity theft, they envision criminals and other miscreants using their private data to open new…
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Key takeaways Credit card points are a type of rewards currency that can be earned in exchange for eligible credit card spending. To earn boosted points on your credit card, you’ll need to maximize bonus category spending, earn any available welcome bonus and take advantage…
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Key takeaways Governments often borrow money to cover deficits when taxes and other revenues don’t cover expenses. The national debt is the total…
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From Mount Olive, North Carolina to Anchorage, Alaska, each of the top 10 banks on Forbes’ ranking of 100 publicly traded banks are…
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Key takeaways The Southwest Companion Pass is attainable by using Southwest credit card welcome bonuses to meet the 135,000-point requirement. Applying for a…
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Key takeaways Having no or minimal credit history means you don’t have a credit score at all. This is different from having a low credit score, which can stem from having negative information on your credit reports. Before you can hatch a plan to build your credit, you should check…
Annuities can be a valuable tool for retirement income planning, but determining the best time to buy one requires careful consideration. If you buy one too soon, you’ll lock up your money for years in a highly illiquid investment. If you wait too long, you might miss out on time…
Credit Sesame examines the latest trends in rising consumer debt, from surging credit card balances to increasing delinquencies—and what it could mean for borrowers. Government reports on consumer borrowing are starting to feel like the boy who cried wolf. Every quarter brings another warning—household debt is rising, borrowing is surging—yet…
Probably the biggest — and arguably most important — question near-retirees have about Social Security is when the best age is to start collecting the program’s monthly benefit checks. The optimal answer depends on your financial situation, but you’ll receive a higher monthly check if you wait longer. While you…
Auto liability insurance covers the costs related to other parties’ damage and injuries when you’re found at fault in a car accident. Most states require drivers to carry at least a minimum amount of liability coverage. Liability insurance has limits that are set when you purchase a policy and represent…
Tsunamis are one of nature’s most powerful forces, capable of displacing entire communities and causing widespread property damage. If you live in a tsunami-prone area, you might wonder whether your home insurance policy offers financial protection. In most cases, standard homeowners insurance does not cover tsunami damage. That means if…
May be used for condos, manufactured homes and multi-family properties Doesn’t require repayment Can be used for down payment and closing costs Cons: Must be a first-time homebuyer Must purchase a primary residence Open to single-family or multi-unit homes, up to four units; condos; co-ops and manufactured homes Must complete…
Mobile banking has become the norm in many consumers’ daily lives. The allure, of course, is the convenience mobile banking offers: Consumers tote their smartphones virtually everywhere, so a mobile banking app can help them quickly take care of a range of financial needs whenever they wish. It’s essentially a…
CribbVisuals / Getty Images Key takeaways You won’t be able to get student loans through Bank of America since it no longer offers this service. Previous Bank of America student loans are now serviced by other loan servicers. Bank of America offers other financial services, including student banking and 529…
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