There are two types of loans – secured and unsecured. We discuss secured personal loans here. People who have collateral will usually apply for loans “secured” by that collateral. Collateral consists of an item of value, such as a...
What is a Secured Personal Loan? In a secured personal loan, the borrower puts up collateral – an item of high value – as security for the loan. If the buyer defaults on the loan, the lending entity is legally...
In December 2017, the Tax Cuts and Jobs Act was signed into law which resulted in some major changes to how Americans would pay their taxes. For example, the 1040EZ form no longer exists. Taxpayers who used to fill out...
Tax deductible donations have been affected dramatically since the Tax Reform Act of 2018 which went into effect for the 2018 tax year. Although the sweeping tax cuts are beneficial for many Americans, charitable organizations were immediately concerned that the...
Tax time is always upon us.  This is certainly true for those sole proprietors and owners of small businesses who have to submit sales tax receipts monthly throughout the year. It’s also true for the average employed individual who needs to...
Article courtesy: Insurance Information Institute Once you have a clear picture of how you use your car and your priorities, you’re ready to shop for insurance. Generally, it’s a good idea to compare policies from at least three different insurers. You’ll want to...
Article courtesy: Insurance Information Institute The vehicle you own, your personal priorities and your budget all factor into your unique auto insurance needs. Before comparing policies and insurers, evaluate how you use your car and what risks you face to...
It can be exhausting looking for the best auto insurance quotes online. Major car insurance sites like Geico, Progressive, State Farm and others all have a slightly different process with different numbers to call and varying degrees of accuracy...
If after years of servicing your credit card debt, there doesn’t seem to be any significant change, it may be time to consider a low-balance transfer credit card. This provides borrowers that have good credit ratings (over 690) with...
The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans, cash advance loans, check advance loans, post-dated check loans, or deferred deposit loans. The Federal Trade Commission, the nation’s consumer protection...