Perks of Having A Credit Card

[wp_ad_camp_1] A lot of people use a credit card and think that the only perk to having one is that you can pay for things you buy later.  However, that is definitely not the only advantage to having a credit card.  In fact, besides all the rewards cards, there are also a lot of perks that comes standard with every credit card.  Again, these are perks that everyone is entitled to; all you have to do is ask.  Here are some of the perks available to you if you would…

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The Initial Costs of Buying a House: It’s Not Just the Down Payment

[wp_ad_camp_1] When buying a house, many people just worry about having the down payment and getting approved for the mortgage.  However, that’s not all you have to worry about monetarily.  Although the down payment may be a significant part of your home purchase, there are many other costs associated with owning a house.  In this article, I will discuss the various costs of buying a home, with hope that you can reanalyze and take a second look at your finances and see if you really can afford buying a new…

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Protect Your 401k From Catastrophe With These Simple Tips

[wp_ad_camp_1] The last several years have done a number to many people’s nestegg.  Many people who relied on their 401k for their approaching retirement were no longer able to retire because their 401k lost so much value in the market due to the credit crisis.  If you want to protect your 401k from massive losses, follow these three tips.  These tips are designed to protect your assets moreso than growing it.  Therefore these tips are meant for those who are going to retire soon(ish).  But if you follow these tips, you…

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The 5 Jobs Where You’re Most Likely To Get Divorced

[wp_ad_camp_1] It is said that marriages are made in heaven, but they are broken right here on earth. The causes of attraction and repulsion in human relationships can hardly be formulated like laws of physics. Many studies have been undertaken to pinpoint why a marriage fails, but all they can say at best is that it is a combination of various factors like lack of communication, financial problems, different expectations, sexual incompatibility, career choices and many others.

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Things to Consider When Buying a Car

fancy car

[wp_ad_camp_1] There is much more to the purchase of a new car (or a used one) than simply exchanging money for goods, or signing a loan agreement. The cost of the car isn’t just what it says on the sticker. Particularly if you use your car every day or several times a week, there will be constant costs and considerations in order to keep your car in good condition. Buying a car isn’t as big of a financial commitment as buying a home.  However, it is still one of the bigger…

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How to Pick Stocks Like Warren Buffett

[wp_ad_camp_1] Warren Buffett is the greatest investor of our time, bar none. He started out with $90,000 (in 2009 dollars) when he graduated college. His net worth is now at roughly $44 billion. So should he be someone you should be listening to when it comes to investing?  I would say so.  If you want to learn from Warren Buffett, pay attention to the lessons he has expounded below.  This is a collection of some of the more important concepts I’ve gather from his materials (books, shareholder meetings, media appearances).…

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What is a CD Account and How Does it Work?

You’ve probably heard of a CD account before but you don’t really know what it is.  A CD account, also called a certificate of deposit account, is a loan that you make to a bank for a fixed amount of time.  Certificate of Deposit accounts are known to be one of the safest investment vehicles.  In return for your loan, a bank will give you interest on your loan.  That is where the term CD account comes from,  you get a certificate of deposit once you agree to loan the bank…

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The 10 College Majors With The Lowest Unemployment Rates

unemployment-sign

[wp_ad_camp_1] Many college graduates are still struggling to find jobs in fields that are related to their major—or jobs at all in general.  The good news is, not all college graduates are experiencing this type of hardship in the job market.  In fact companies are actively seeking out college graduates in various majors.  There are even some majors that have virtually zero percent unemployment rate.  Below are ten majors that have the lowest unemployment rates and also some noteworthy runner-ups. All median salary information is from the Georgetown University Center on…

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Do 80/20 Piggyback Loans Still Exist?

[wp_ad_camp_1] Since 2008, we have seen a rapid decline of available home loan programs due to the credit crisis.  No longer are banks allowed to give out mortgages with unverified income.  And the days of no-down payment loans are over.  There is a duality to this tightening of credit.  The tigthening of credit has made it harder to buy a home.  However, at the same time, real estate is as cheap as ever to own.  The US Federal Housing Finance Agency puts the February 2011 housing price index at 181.8, which puts…

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