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What is a Debt to Income Ratio and Why is it Important?

When you reach a point when it seems that most of your money is going towards paying down your debt, you probably have an upside down debt-to-income ratio (DTI). Your DTI compares the total amount of your monthly debt payments to your income. The higher your DTI, the more of your...

Should You Borrow From Your 401(K)?

Are you considering taking out a loan against your 401(k)? Your company’s retirement administrator has already given you the green light and reviewed the terms with you. But you’re still hesitant about how it could impact you in the future. On one hand, taking out the loan...

6 Easy Ways to Build your Credit Score without a Credit Card

Business is slow, so your manager decided to cut your hours. To help cover bills until business picked back up, you applied for a personal loan. Unfortunately, you couldn’t get approved because you have minimal credit history. So, you looked into credit cards and decided they...

Drowning in Student Loan Debt? Here’s What To Do

The phone is ringing off the hook. It’s the student loan servicer, and they’re calling about the two-month delinquency on your account. As the phone continues to ring, beads of sweat begin to roll down your face. Why so? Well, you’re unemployed, broke and barely making it by. The...

How to Get Your Very Best Deal on an Auto Loan

How to Get Your Very Best Deal on an Auto Loan After seven years of steady growth in sales and profits, the auto industry is now riding five straight months of declining sales. Declining car sales means rising inventories for dealers. What is turning out to be bad news for the...

Why a 10 year Consumer Mortgage Might Be In Your Future

Is a  10-Year Mortgage in Your Future? In what could portend a growing trend in coming years, the 10-year mortgage loan has emerged as the mortgage of choice for an increasing number of consumers. Why the sudden interest in the shortest of fixed mortgages? It may be time to take...

Don’t Refinance Student Debt if You Need Income-Based Repayment

If you hold student loan debt, you may have received offers to refinance your debt with a private lender with the opportunity to lower your interest payments. If you’re carrying loans of $25,000 to $30,000 or more and juggling half a dozen loans with various rates, terms and...

The Top Mid-Range Airline Credit Cards to Have for 2017

Everyone wants to save money on credit card annual fees, but the entry-level airline cards usually just aren’t worth it. That doesn’t mean you have to pay $450 a year for the carriers’ most premium travel rewards cards; luckily, there are some great options in the middle. In...

Best Business Credit Cards 2017

Looking for the business credit card that will offer you the best rewards for purchases you routinely make? There are a wide range to choose from that let you earn while you spend. Maybe you travel often and want to earn free miles, spend on office supplies and want cash back or...

5 Installment Loans for Bad Credit (2017)

Life comes with many unexpected financial burdens, and even those we can see coming are no less a burden just because they RSVP. Many people turn to personal installment loans — loans that require repayment with a set schedule and payment amount — for all the expenses that are a...
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