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 Most major credit issuers no longer allow co-signers, although a few issuers allow you to create joint accounts with another person. Becoming a credit card co-signer comes with significant financial risk and should not be taken lightly. There are many alternatives to applying for a credit…
Many savers choose certificates of deposit (CDs) for the benefits of a guaranteed return, which makes CDs a safe, reliable way to earn some interest on your money. In exchange for a fixed annual percentage yield (APY) — and the peace of mind that comes with it — the bank…
Key takeaways Having good credit helps you qualify for a loan, but isn’t always necessary. Many lenders consider your income, debts and assets in addition to your credit. A co-borrower or cosigner could also help improve your odds of approval. Above all, lenders want to see that you have the…
Jelena Danilovic/Getty Images Unlike regular wallets you’d put your debit card in, a crypto wallet is a digital wallet that stores a virtual key, giving you access to your cryptocurrency on the blockchain. When it comes to securing your digital assets, crypto wallets can be custodial or non-custodial. But what’s…
Key takeaways Some veterans are eligible for tuition aid via the Montgomery and Post-9/11 GI Bills. As a veteran, you may also qualify for discounted or free tuition, depending on where you live. You can also apply for a scholarship geared toward veterans to cover some or all your education…
Both individual retirement account (IRA) types — traditional and Roth — offer valuable retirement-planning benefits, but with different structures, income limits, and pros and cons. Key takeaways Traditional IRAs offer the potential for tax deductibility in the present, while Roth IRA contributions are made with after-tax dollars. Withdrawals are also…
Key takeaways Not paying student loans could lead to late fees, a damaged credit score and wage garnishment. If you have federal loans, you may qualify for a repayment plan to help bring your loans current and get rid of the debt sooner. Student loan debt is only dischargeable in…
It’s the dream of many to become a millionaire, and even those with just a little dough to start can achieve this goal with careful planning. While selecting the right investments is important, one other factor is still more important if you’re starting out with a relatively small nest egg:…
Key takeaways Group life insurance offered through employers can be affordable and easy to qualify for, but it typically stays behind when you leave the company. Privately owned life insurance offers more flexibility and customization, as well as the ability to keep coverage no matter where you work. If you…
Prostock-Studio/Getty Images Key takeaways American Education Services handles administrative tasks for the FFELP and some private loans. The company recently settled a lawsuit from the CFPB that alleged it “failed to respond” to student loan borrowers seeking relief. If you’ve had issues with this loan servicer, you could choose a…
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