If you purchased or last refinanced your home at a time when interest rates were much higher, you may have periodically considered refinancing to reduce your interest rate for the remainder of your loan. While shaving off several percentage points in interest can save you thousands or even tens of thousands of dollars over the term of your loan, there are costs associated with each refinance as well, and glossing over these when making your decision could ultimately cost you.
Thousands of people across the United States collect ancient coins. Buyers will often trade with other collectors or dealers, but some ancient coin owners come across rare and unusual coins by scouring the American countryside. If you discover ancient coins in this way, you may believe that the stash is automatically yours—but is that actually true?
Assessing the situation
When determining if you can legitimately keep something you find, it's important to differentiate clearly between the different circumstances that could exist.
Online banking has been the most popular way to access funds since 2009. With many online banks offering service fee-free accounts and interest rates roughly 4 times higher than local credit unions and about 7 times higher than traditional brick-and-mortar banks, it's not difficult to understand why. If you're ready to reap the benefits of online banking by transferring your funds to an online bank, here are the 3 steps you need to take to make sure your money stays protected.
There are many reasons you may want to take out a payday loan. According to a 2013 survey, 76% of Americans live paycheck-to-paycheck, meaning the money isn't always there when you need it. Fortunately, payday loans can give you access to the money you need when you need it, but as a young couple, there are a few tips you should know first.
Look Beyond the Interest Rate
Payday loans are fairly lenient.
If you have a busy life filled with activity from dust to dawn, managing your checkbook is probably a chore on a long list of tasks that you dread. However, if you are not vigilant about monitoring your banking activity, you may wind up making costly errors and paying unnecessary fees. The following tips can help you keep a close eye on your finances so you can avoid problems with your bank account and spend more time doing things you enjoy.