Essential Insights Unlock a variety of tactics to build your down payment stash — from ramping up your savings and slashing day-to-day costs to hunting for down payment aid programs. You’re not locked into the myth of a 20% down payment. Standard mortgages can start as low as 3%, with FHA loans requiring just 3.5% …
Cash Back or Travel Points? Decoding the Best Credit Card Rewards for You
Key Insights to Keep in Mind If simple, straightforward rewards are your game, cash back cards tend to hit the mark with easy earning on every dollar spent. For those clocking frequent miles or jet-setting regularly, points or miles cards usually unlock better perks tailored toward travel. Can’t quite pick a side? Mixing and matching …
Decoding Bad Credit Personal Loans: What You Absolutely Need to Know
Essential insights: Borrowers with credit ratings hovering around the high 500s or below might find approval through lenders who specialize in shaky credit. Expect these personal loans aimed at less-than-stellar credit to come priced with hefty APRs and stacked fees. Watch out for lenders promising guaranteed approval or demanding money upfront — classic signs of …
Unconventional Routes to Stuff Cash Into Someone Else’s Bank Account
Highlights to Keep in Mind Injecting funds into another person’s bank account can be done via digital transfers, wire payments, or dropping off cash straight at the bank. Watch out: many banks clamp down on third-party cash deposits to dodge fraud and money laundering shenanigans. Finding the best blend of ease and affordability for sending …
Decoding Market Rhythms: Navigating the Bull and Bear Terrain
Two archetypal terms, “bull” and “bear,” serve as shorthand to capture the spirit of market cycles, offering savvy investors a window into underlying economic currents. While a bear market signals an extended slide in stock valuations, a bull market embodies a prolonged uplift in prices. Getting a grip on what sets a bull market apart …