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The bank you choose makes just as much of an impact on you as the car you drive, the phone you use, or the insurance you depend on. The banking industry may seem different on the surface, but the reality is that many customers make the decision of what bank to choose based on factors...

// // // ]]> Credit scores range from 300 all the way up to 850, so a credit score of 730 is certainly considered “good.” However, it’s still too low to be considered “excellent.” Prior to the recession, a score in the upper 600s was good enough...

// // // ]]> It may seem strange that paying off debt will help your score improve, because your credit score is based on your levels and types of debts, but it is true. Reducing your debt can help you get better mortgage rates and interest rates on auto loans. If you’ve...

// // // ]]> Before the financial crisis hit, 720 was considered a good enough score to get the best rates on auto loans and mortgage rates. While 720 is not a bad number, the highest credit score is 850, you can raise it up to a higher number like 760 which is the new number...

// // // ]]> If you’ve got a 715 credit score, you’re doing pretty well and it’s by no means a bad credit score. When you go to take out an auto loan or check around for the lowest mortgage rates, you’ll be able to get a good rate, but not the best.  This...

// // // ]]> Credit scores are important for people who are looking to get a loan such as an auto loan or get a good mortgage rate. Your credit score will affect your mortgage rate, causing you to have a higher interest rate if you have bad credit. In the grand scheme of things,...

Finance and insurance managers oversee the financial and insurance relationships of big organizations, and possibly will have a specific entitlement, for instance, financial officer or maybe risk manager. They often manage budgets, reserves, audits and perform vital accounting methods....

A person’s age plays a significant role in their willingness to utilize the convenience of banking online. Weekly trips to the bank were part of the normal routine throughout the working years for many older people and the thought of accessing a bank account through a computer...

In the 1980’s, trading was a specialized past time that only appealed to professional investors with the backing of large financial institutions. This was a reflection of the nature of the stock and financial markets during this time, whereby the majority of transactions were...

A credit card is not more than a small piece of plastic but it has the power to transform your life. It is the key to a better lifestyle and higher standard of living albeit at a cost. You can spend more than you earn and keep paying off the amount with the passage of time. All...

There is a common perception in the U.S. that personal finance will be decisive in determining which way citizens will vote in the November elections, as individuals look to the government to help ease the rising levels of poverty and economic instability that have hit the nation...

// // // ]]> Top Savings Account Rates in June 2012 EverBank is offering people a savings account interest rate of 1.01%. This is one of the best rates in the market at this time. As of June 1, 2012, American Express is offering a savings account interest rate of .85%. While...

There may come a time in your life when you just can’t hold on to your house anymore. The economy is bad, and it’s questionable whether it will recover any time soon. You basically have two options open to you: short selling and foreclosure. Before you act, make sure...

With all of the promise of mutual funds, it’s reasonable to expect that they would have a yield than standard bank savings accounts. This, however, is not always the case. While some indeed beat the banks, others can actually result in losses. The most popular mutual fund...

If you’re like most college graduates then you probably finished school with student loan debt. It has been estimated that the average grad now walks away owing around $25,000 while the total value of outstanding student debt in the United States has recently topped $1 trillion....

We’re all pulling for the housing market to recover. Most of us want to live the American dream, and part of that dream is having a piece of land and a home of your own. As much as we’d like to be optimistic about the prospects of the housing market, it’s more important than...

// // // ]]> When you are considering whether or not your credit score is ‘good enough’, you need to take into account the changes in the financial industry that have recently taken place. Since the near-collapse of the housing market and the changes in the credit card...

// // // ]]> Maintaining a credit score of 700 is a good starting place but you must consistently do what is necessary to ensure your credit score does not drop lower but rather gets better over time. There is certainly no quick and easy fix to improving credit scores or recovering...

// // // ]]> There are different types of credit scoring models used by lenders. The credit score helps a lender predict how likely it is that an individual will repay the money they borrow. Whether or not a 670 score is considered “good” will depend on the lender and the...

Of all home mortgage products, an FHA loan is one of the easiest to qualify for. FHA loans are more flexible than other home loans, require less than 5% down payment, and help many people qualify for mortgages who could not otherwise qualify. The loan requirements involve showing...