If you lost your job, faced a health crisis that prevented you from working, or had to pony up a large, emergency expense, would you be able to cover your expenses? Even if you have a well-stocked emergency fund, you may need to find extra money or trim expenses. And it’s always a good idea …
Small business owners who need financing have many options: term loans, Small Business Administration loans, business lines of credit, invoice financing and microloans. The right business loan product depends on your needs, and terms, rates and qualifications vary by lender. Here is a breakdown of the types of business loans. 1. Term loans A term …
Types of Business Loans: Compare Your Financing Options Read More »
Small-business loans can help you start or maintain your business. And though tightened lending standards may make getting a loan more difficult, learning how to navigate the process ahead of time will help you be successful. Discover how to get a small-business loan in five simple steps. 1. Decide what type of loan you need. …
Finding the best credit card is part art, part science. No single credit card is better than all others in all categories — or for all people. But by understanding your options and asking the right questions, you can find the card that’s the best fit for your spending habits and credit situation. Follow these …
Your credit utilization is simply the portion of your available credit you use, expressed as a percentage. It is the total of balances on all your credit cards divided by the total of all your credit limits. (It’s also figured on a per-card basis.) This number is a big factor in your credit score — …
A credit score is a three-digit number, usually on a scale of 300 to 850, that estimates how likely you are to repay borrowed money and pay bills. Credit-scoring companies plug information from your credit reports into mathematical formulas that produce your credit scores. A low credit score may not keep you from being approved …
A bankruptcy gives you the relief of a clean financial slate — but also the worry that you’ll never have decent credit again. Although a bankruptcy stays on your credit reports for up to 10 years, its impact on your score will fade with time. In fact, your credit score after bankruptcy may not be …
IF YOU HAVE RECENTLY filed for bankruptcy, perhaps you can find some comfort in the fact that you are not alone. Millions of americans every years goes through this. But just because bankruptcy is increasingly common doesn’t make it any less stressful. People who file for bankruptcy often feeling ashamed, overwhelmed, and hopeless. Here are …
With the economy being so unsure, now is as good a time as any to start thinking about how to cut back on your regular monthly bills. For many, once you’ve cut out some of the more obvious expenditures, it doesn’t feel like there are that many other places that can be cut. The truth …
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Planning for life is a very basic step, but the hard part is planning for specific stages of life. When you’re younger, your primary goal is education and career development. Later on in life, it’s about settling down and planning for a family. Similarly, retirement is one such phase that also requires prior planning, especially …
Tips To Make The Most Of Life Insurance For Retirement Read More »
