Articles by Valencia Patrice Higuera

Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie. Valencia has contributed to publications and outlets including MSN, The Huffington Post, CBS News, Investopedia, and more. Education: B.A. in English from Old Dominion University.

When Mortgage Rates Fall, Is It Time to Refinance Your Home Loan? Find out whether it is the right time to refinance a home loan when mortgage rates fall, especially if there's speculation that interest rates drop even more. Home Insurance Inspection: What to Expect? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Home Insurance Inspection: What to Expect? Some people finance a house and others pay cash for a property. Either way,... Flood Insurance: Find Out If You Need Coverage and Where to Get It Photo of Valencia Patrice Higuera Valencia Patrice Higuera Flood Insurance: Find Out If You Need Coverage and Where to Get It Most homeowners have a homeowner’s insurance policy. In fact, these policies are... Should You Use a 401(k) Loan to Pay Off Student Loans? Learn how you can borrow from your 401(k) to help pay down student loan debt. Find out whether it is a good idea to take out a 401(k) loan, including how it will affect your retirement savings. Compare alternatives that are worth considering for reducing the financial strain caused by student loans. How to Negotiate the Best Price of a New Home Learn how you can negotiate for the best price on a new home purchase using these tips to identify reasons to offer a lower price. How to Buy a House When You Have Student Loan Debt Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Buy a House When You Have Student Loan Debt The cost of a college degree isn't getting any cheaper. The average American... How to Invest in Bonds: Predictable Returns With Low Risk Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Invest in Bonds: Predictable Returns With Low Risk Whether you’re a new investor or a seasoned investor, having a balanced portfolio... 9 Common Homeowners Insurance Riders to Consider Learn about the most common and important homeowners insurance riders to provide added coverage for things that are not typically found with a standard policy. Should You Refinance Your Student Loan With a Private Lender? Should indebted students find private lenders to get out of under debt Swimming Pool Loan: How to Finance a Swimming Pool Photo of Valencia Patrice Higuera Valencia Patrice Higuera Swimming Pool Loan: How to Finance a Swimming Pool Installing a swimming pool in your backyard creates your own outdoor oasis. As you...