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How Much Does it Cost to Own a Dog? Photo of Simon Zhen Simon Zhen How Much Does it Cost to Own a Dog? You may have waited your entire life for the opportunity to purchase a pup. Now that... Top 10 Most Common Causes of Debt A tough economy certainly doesn't help people avoid debt, but even when times are good debt is a real problem for some. Here are the top 10 causes of debt. Top 5 Richest Dropouts You Haven't Heard Of Could you imagine never graduating from middle school and going on to making millions? It is possible as 5 of the richest dropouts have shown. How to Create a Budget With 3 Simple Steps Photo of Simon Zhen Simon Zhen How to Create a Budget With 3 Simple Steps Budgeting is a simple way to monitor spending and an effective way to increase... What is an ACH Transfer? Photo of Simon Zhen Simon Zhen What is an ACH Transfer? ACH transfers, or Automated Clearing House transfers, are transactions that are... What is Overdraft Protection and How Does it Work? You might be wondering if there is a way to avoid overdraft fees. Perhaps overdraft protection can help. How to Opt Out From Overdraft Fees Buy a Home With a Cash or Mortgage: Which is Better? Photo of Simon Zhen Simon Zhen Buy a Home With a Cash or Mortgage: Which is Better? Not many of us are fortunate enough to have sufficient cash to even consider... How to Finance Renovations: Home Equity Loan vs. HELOC Photo of Simon Zhen Simon Zhen How to Finance Renovations: Home Equity Loan vs. HELOC Whether your house has fallen into disrepair and is badly in need of... The Tax Advantages of Taking a HELOC The IRS is most generous with people who take out a HELOC to improve their homes. This category of borrowers can deduct interest payments up to a value of one million dollars for a couple filing their tax returns together. The Truth in Lending Act and How It Can Help a HELOC Borrower How to Finance a College Education with a HELOC Photo of Simon Zhen Simon Zhen How to Finance a College Education with a HELOC Giving a child a quality college education to equip them for a professional career... What Are the Most Common HELOC Fees? Photo of Simon Zhen Simon Zhen What Are the Most Common HELOC Fees? It is possible to get a HELOC that doesn't charge any application or closing fees... What is the Process of Getting a HELOC Loan Learn the four major stages in the HELOC process and it will help you to make a better financial decision. 5 Reasons to Choose HELOC Loan Over Other Types of Credit Learn why HELOC is the best method to draw instant cash from your home equity if you need a bit of liquidity. HELOC Vs. Credit Card: Which Is Better for Emergency Cash? Photo of Simon Zhen Simon Zhen HELOC Vs. Credit Card: Which Is Better for Emergency Cash? As its name implies, a HELOC or Home Equity Line of Credit essentially differs... HELOCs Vs. Home Equity Loans: Which Option Is Better? Photo of Simon Zhen Simon Zhen HELOCs Vs. Home Equity Loans: Which Option Is Better? From time to time, households or individuals would need to shoulder some major... Why You Should Consider a HELOC Before Unemployment Hits If there's anything that you should know about loans, it's that it is almost impossible to come by when you need it most. Like when you're out of a job. What is Direct Deposit and How Does It Work? With the emphasis nowadays on getting things done using faster and more convenient ways, millions of Americans have discovered a great alternative for fund transfers – direct deposit. Where to Find the Best HELOC Loan? Photo of Simon Zhen Simon Zhen Where to Find the Best HELOC Loan? The HELOC has become a popular choice for refinancing and paying for home... Understanding the HELOC Loan Options Photo of Simon Zhen Simon Zhen Understanding the HELOC Loan Options Even if you sometimes find it difficult to remember the meaning of some of the... 5 Online Banking Scams Every Consumer Should Know How to Teach Your Kids the Value of Saving Learn view great tips that can help your kids to grow up to be big savers. 10 Features Consumers Look for in a Bank Photo of Simon Zhen Simon Zhen 10 Features Consumers Look for in a Bank What makes a good bank according to consumers? There are many factors that can go... Is it Possible to Lower Your Mortgage APR? Photo of Simon Zhen Simon Zhen Is it Possible to Lower Your Mortgage APR? Using the annual percentage rate (APR) to determine the actual cost of the... The Basics of How to Refinance Mortgage Thinking of having your mortgage refinanced? There are a few basic factors wherein refinancing would be the wiser move.