40-Year Home Mortgages, 9-Year Car Loans, and 25-Year Student-Loans

Interest rates, as the tv hucksters constantly remind us, are near historic lows. So now is an excellent time to refinance your mortgage–maybe take out some equity to upgrade the bathrooms, take a little vacation, or purchase a home entertainment center. Or maybe it’s time to buy a new vehicle–perhaps a premium class crew-cab pickup, … Read more

Lessons From the Dotcom Bubble

If you’ve been watching this year’s tech stock rollercoaster with an odd sense of déjà vu, you’re not alone. Members of the market-watching media have noted the strong parallels between today’s tech sector and what went down when the dot-com bubble burst back in 2000. And those similarities—rising stock valuations, an increase in initial public … Read more

5 Tips for Saving for a Baby

New babies bring so much to life—unconditional love, the joys of parenthood, snuggles, and a lifetime of new memories. But they also bring an entirely new set of responsibilities, lifestyle adjustments for their parents, and a swift and immediate knowledge on new topics like diapers (and their contents). And it’s true that every new parent’s … Read more

How to Afford to Go Back to School as an Adult

Adults are going back to school for lots of different reasons these days, including career changes, keeping up with developments in their field, learning new skills, and personal enrichment. At many colleges, students may be senior executives, retirees, or working moms. Going back to school when you’re older, whether it’s to get an advanced degree, … Read more

How Long is a Check Good For?

Despite a steady decline of check usage among Americans, there are still 14.5 billion check payments made in the U.S. each year. There are many instances in which you might need to cash a check, such as receiving a tax refund. But before you stick that piece of paper in a drawer to deal with … Read more

Automated Clearing House: What is an ACH Payment?

The term “Automated Clearing House” might sound like it needs an explanation from a financial guru. But most people are already using ACH payments regularly, although they may not be using that term to describe what’s happening. Simply stated, with an ACH transfer, funds are electronically moved from one bank account to another through the … Read more