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Home Equity Loans

Is a home equity loan or line of credit right for me? Home equity financing uses the equity in your home to secure a loan. For this reason, lenders typically offer better interest rates for this type of financing than they do for other, unsecured types of personal loans. Typically, you’ll be able to borrow […]


Effects of Inflation

How does inflation affect me? Are you saving for retirement? For your children’s education? For any other long-term goal? If so, you’ll want to know how inflation can impact your savings. Inflation is the increase in the price of products over time. Inflation rates have fluctuated over the years. Sometimes inflation runs high, and other […]


Savings Alternatives

What Savings Alternatives Are Available? As an investor, you know it’s important to have a portion of your holdings in savings. Opinions differ, but most financial professionals agree that adequate savings should form the basis of any sound investment strategy. There are a number of savings alternatives that could help you accumulate adequate savings and […]


College Financial Aid

What About Financial Aid for College? Financial aid for college consists of loans, grants, scholarships, and work study. Grants and scholarships are worth searching for because they don’t have to be paid back, unlike student loans, which require an ongoing financial obligation, or work study, which requires a work commitment. There are generally three sources […]


Smart Financing Ideas

What Are Some Smart Ways to Refinance? Recently, fixed mortgages were near their lowest rates in almost 30 years. And if you are one of the many people who took out mortgages in the few years prior to that, you may be wondering if you should look into refinancing. If your mortgage was taken out […]


Reverse Mortgages

What Is a Reverse Mortgage? Many Americans facing retirement would love to increase their monthly income. Fortunately, there is a way that homeowners can use their homes to help finance their retirement — to turn the value of their property into usable cash without the emotional trauma of having to sell and move. A reverse […]


Biweekly Mortgages

What Advantages Does a Biweekly Mortgage Offer? Most homeowners make their regular mortgage payments every month for the duration of the loan term, and never think of doing otherwise. But prepaying your mortgage or making biweekly payments can reduce the amount of interest you’ll pay over time. Under a biweekly mortgage, instead of making the […]


Managing Cash

How Can I Better Manage My Short-Term Cash? The most important attribute of a cash reserve is its availability in time of sudden need. And even though a federally insured savings account is considered one of the safest places to put money being reserved for emergencies you may want to consider other alternatives when interest […]


Money Market Funds

How Do Money Market Mutual Funds Work? Just like individuals, the government, corporations, and banks often need to borrow money for a short time to make ends meet. Unlike most individuals, however, the scale of this borrowing is phenomenal. The money market is the name given to the arena where most of this short-term borrowing […]


Cash Management Tools

What Cash Management Tools Are Available? There are a number of short-term cash management instruments available to the individual establishing a sound cash management program. These alternatives include money market mutual funds, Treasury bills, and certificates of deposit. Money market mutual funds simply pool investors’ dollars and purchase large denomination money market instruments. Individuals invest […]


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