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 Line of Credit vs. Credit Card: What’s the Difference?
Line of Credit vs. Credit Card: What’s the Difference?

While a personal line of credit is more commonly categorized as a loan, in reality, it functions more like a credit card. That’s because a line of credit is a form of revolving debt, in which the money you borrow is paid back... only to be borrowed again. There are other similarities between a line of credit and credit card, however, there are also some key differences. Understanding how these two financial products compare and contrast will help in determining which option is the best for a consumer’s personal needs.

Line of Credit · 4 min read
How Are Life Insurance Premiums Calculated?
How Are Life Insurance Premiums Calculated?

Life insurance is arguably one of the most worthwhile expenses when it comes to providing financial protection to those you love. But it is exactly that: an expense. The amount you’ll pay for your life insurance coverage depends on a number of key factors, some of which are within your control while others are not. Here’s a look at the top things that contribute most to your life insurance premiums, and how you can best reduce the cost of coverage while still protecting your family and assets.

Life Insurance Essentials · 7 min read
Need Assistance With a Mortgage? There Are Options.
Need Assistance With a Mortgage? There Are Options.

For many Americans with dreams of buying a home, certain financial hurdles can make it seem impossible. For example, many cannot afford to cover high down payments or simply don’t have the credit profile that lenders are looking for in a mortgage applicant.

Mortgage Refinance · 5 min read
Why You Should (and Shouldn’t) Buy Joint Life Insurance
Why You Should (and Shouldn’t) Buy Joint Life Insurance

There’s no denying that your finances change a bit once you get married. Most folks open joint bank accounts and share health insurance plans. Both contribute to the home and related expenses, and usually begin saving for the future together.

Life Insurance Essentials · 6 min read
Tips for Lowering Your Auto Insurance Costs
Tips for Lowering Your Auto Insurance Costs

With two exceptions (New Hampshire and Virginia), every US state mandates drivers to have a minimum requirement of auto insurance coverage. And even in those two exempt states, it’s important to have a policy in place, especially in the case of an accident where you’re found at fault.

Auto Insurance · 4 min read
What's the Difference Between APR and Interest Rate on a Personal Loan?
What's the Difference Between APR and Interest Rate on a Personal Loan?

There are many reasons why a personal loan is an attractive financing option for American consumers. So much so, that it’s the fastest growing consumer lending product in the US, particularly with younger generations. 

Personal Loans · 3 min read
Auto Insurance- Terminology You Should Know
Auto Insurance: Terminology You Should Know

What does the average consumer know about car insurance? Well, they know they need it. In 48 states (excluding Virginia and New Hampshire), it’s mandatory by law when owning or leasing a vehicle. Beyond that, there’s probably a lot regarding auto insurance missing from the average American’s lexicon. Since auto insurance is unique from other forms of insurance, in that you have to worry about liability for total strangers, their vehicles, and other property, it’s beneficial to possess a comprehensive understanding of all the industry terminology. Of course, understanding auto insurance terms is especially important when picking out a policy, as there are a wide variety of options for coverage based on different scenarios and geographical factors.

Auto Insurance · 5 min read
What Do Life Insurance Companies Test For?
What Do Life Insurance Companies Test For?

Applying for a new life insurance policy involves answering quite a few personal questions. These questions cover everything from your age and gender to your occupation, hobbies, and even tobacco-use. You’ll often find that many of them are related to your health and medical history.

Life Insurance Essentials · 5 min read