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Author Archives: Research Department

Why Choose a Personal Loan Over a Traditional Loan?

loan-approved

By Jocelyn Baird, NextAdvisor.com There comes a time in many people’s lives when they need more money than they have. Sometimes a credit card can be a quick solution, but there are situations where credit cards just won’t work, and taking out a loan looks like the smartest option. All loans are not created equal, and in recent years the ... Read More »

    National Debt Relief Explains The Two Types Of Reserve Funds

    casual woman saving money

    National Debt Relief recently shared in an article published February 19, 2015 the two main types of a reserve fund. The article talks about how an emergency fund and a rainy day fund has the same financial objective but differs in a lot of ways. Philadelphia, PA (PRWEB) March 02, 2015 National Debt Relief recently shared in an article published ... Read More »

      Dental Practice Owner Charged with Health Care Fraud and Identity Theft

      teeth

      ALEXANDRIA, VA—Nazanien Ebrahimi, a/k/a “Nancy” Ebrahimi, 32, of Fairfax County, Virginia, was indicted by a federal grand jury on February 26, 2015, on charges of wire fraud, health care fraud, aggravated identity theft, and making false statements relating to health care matters. Dana J. Boente, U.S. Attorney for the Eastern District of Virginia; and Andrew G. McCabe, Assistant Director in ... Read More »

        Buying a Home? Be Ready for These Closing Costs

        Photo Credit : Idiolector

        For most of us, there’s no bigger purchase than buying a home. And with big purchases, even minor fees can carry a big price tag. Before signing the paperwork and taking on a mortgage, it’s a good idea to get educated about the process. Many people either don’t know or forget to factor in the closing costs they will pay. ... Read More »

          4 Big Refinancing Questions Answered

          201502_cfpb_reverse-mortgage

          You may have heard about it on the news, your neighbors may be bragging about it or you could have even received eligibility notice in the mail — but what is the real deal behind refinancing? Before you crunch your personal numbers and weigh the costs and benefits of refinancing your mortgage, you need to be sure you understand what exactly ... Read More »

            4 Reasons You Could Be Denied a Mortgage

            Real Estate Concept

            So, you’ve thought about whether renting or buying your next home is the right decision for you. If you decide to buy a home, you’ll likely have to prepare for financing your purchase with mortgage payments. Here’s where things can get a bit tricky. While getting a hold of the costs involved with home buying can help you determine if you ... Read More »

              How Avoiding Bankruptcy Can Backfire

              FRBNY-1

              In the world of personal finance, credit concerns and debt issues, there is no single issue that is more misunderstood than bankruptcy. Recently the Federal Reserve Bank of New York came out with an exceptional report on the bankruptcy reform of 2005 — which made it tougher for people to file bankruptcy, and was the last time bankruptcy law was ... Read More »

                If You Think Money Buys Happiness, Watch This (VIDEO)

                Happy people celebrating with money raining

                “Winning the lottery changed our lives for the worse,” says Jodie, whose husband, Edwin, hit a $ 25 million jackpot when he and 14 co-workers bought tickets in a pool. Since Edwin got his after-tax share of the winnings, Jodie says he’s acted like it’s only his money, and that their marriage has gone downhill fast with divorce threatened numerous ... Read More »

                  5 Student Loan Terms Every Borrower Should Know

                  Money and book

                  If you have student loan debt, you’ve probably noticed that your loans have a language all their own – and the last thing you want to do is spend your free time learning it. The good news is that you don’t need to be fluent in loan lingo in order to navigate the world of education debt – but familiarizing yourself with ... Read More »

                    Estate Planning for Blended Families

                    Credit Card Financial Relief Planed Flag

                    You have arrived at your second marriage a little bit older and (hopefully) a little bit wiser. Second marriages and blended families present their own issues when it comes to estate planning. You would like to take care of your spouse and your children, but letting them work it out after you are gone is a recipe for disaster. Once ... Read More »

                      Netcom PaySystem to Process High Risk Merchant Payments

                      Denver, Colorado, 1912. Shows 1629 Stout - installment clothing for ladies, men & children. Painted sign on building states "Clothing on easy payments"

                      Netcom PaySystem is pleased to announce the next generation of High-Risk Merchant Processing with the launch of their newest website, netcomhighriskmerchants.com Los Angeles, CA (PRWEB) February 27, 2015 Netcom PaySystem, a well-known provider in the merchant payment service industry, is pleased to announce the launch of their newest website, netcomhighriskmerchants.com. With this move Netcom PaySystem has taken the next step ... Read More »

                        Sound Advice for Protecting and Managing Your Money

                        Money and book

                        Beloit, Wisconsin (PRWEB) February 27, 2015 In recognition of National Consumer Protection Week, March 1-7, First National Bank and Trust (FNBT) is partnering with the American Bankers Association to highlight personal finance resources and urge customers to take an active role in managing and protecting their money.     “We implement numerous safeguards to protect our customers’ money and information, and we ... Read More »

                          My Son Isn’t Going to College. What Happens to All the Money I Saved?

                          frootloops

                          Q. My son is turning 18 and I’ve saved more than $ 200,000 for him for college. He doesn’t want to go. Some of the money is in UTMAs, some in a 529 Plan and some in savings bonds. I don’t want him to live off the money and not get a job. Help! A. Bet that threw you for ... Read More »

                            Discover’s New Travel Rewards Credit Card: How Does It Stack Up?

                            Credit cards

                            Can you earn rewards “miles” without stepping on an airplane, or using an airline’s credit card? Several major credit card issuers are hoping that you will want to, and they’re offering rewards cards that offer miles not associated with any airline. To join this increasingly competitive segment of the market, Discover has just announced the release of its Discover it Miles card that ... Read More »

                              How Men and Women Do Saving and Splurging Differently

                              2015-02-26-FinancialDNA_Charticle2-thumb

                              He spends, she spends! When it comes to gender and money, there’s no shortage of stats on how the sexes stack up. But while you’re probably used to hearing those differences dissected in discussions of salaries and pay inequality, it turns out there’s a bit more to it; gender plays a role in a whole range of everyday money matters. Case ... Read More »

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