Loans

Co-signing a loan can be extremely helpful. It’s a great way to help a loved one with an imperfect credit history qualify for a loan or some type of credit. Hopefully, it helps them learn how to handle the new credit responsibly. Sometimes, however, being a co-signer becomes a difficult lesson for everyone involved. If […]

Unless you are somehow capable of ignoring all advertising, you’ve certainly heard of those “buy now, pay later” offers. Traditionally, they were made for big ticket items like furniture, TVs, or appliances. Now they are being offered on even more items, including basic clothing. Online retailers are using the phrase “digital layaway,” where they send […]

One of the things my family has struggled with has been getting approved for loans. Since our primary source of income is my small business, we have to jump through more hoops in order to get the best rates. Unfortunately for us, it’s not as simple as submitting your tax returns and pay stubs. I’ve […]

If you’ve come across the terms “fixed rate” and “variable rate” before, you might have overlooked them as complicated financial terms. But really, when you break it down, fixed and variable rates are actually fairly simple. They are exactly what they sound like — an interest rate that is either set in one spot or […]