Personal Finance

Paying back student loans can take years, if not decades. If a payment is late or missed, the loan may be considered delinquent and late fees will be tacked on. Many graduates find themselves having to put off life commitments and large purchases, like getting married or buying a house, until that debt is paid...

There's no time like the present, as the old saying goes. The mortgage refi industry has seen impressive trends where current rates are concerned. Feeding off the consumer-friendly momentum of 2020's final quarter, we've seen mortgage rates hit record lows over the last six months. In fact, those numbers peaked early in 2021, with average...

Many years ago I enjoyed reading an article about the stupidest business decisions in history. The article struck a particular chord with me as a young entrepreneur. So much so, that every time I am in a situation where I am about to make a key decision, I think back on that article I read....

For many of us, most of our financial life now exists online. Direct deposits, debit cards, and online banking have brought us to a point where most people have no need to ever go into a physical bank. Without being limited to your local bank, a lot of new options open up for an online...

Mortgage rates hit a historical low in 2020, prompting homebuyers to get a new or additional home and homeowners to refinance their homes to lower their interest rates. This phenomenon was brought about by the steady increase in mortgage-backed securities that pushed rates lower than the average. However, it won't last forever. In fact, despite...

Nowadays, it's too convenient to have a credit card or two on hand when you're out to make a purchase or want something online. They've become especially appealing to shoppers who are careful only to spend what they can afford, make a lot of purchases, and are interested in getting some of that money back...

Are you one of the 191 million Americans with credit card debt? If so, debt consolidation might be the right choice for you. A debt consolidation loan is a personal loan used to pay off high-interest debt. It's a simplified way to combine multiple credit card balances into one single payment. Here's what you should...

Before refinancing your home to get a more favorable interest rate, there are several things to consider. If the timing is right, you can save a significant amount on your monthly payments. Lenders look at various factors to determine your interest rate; chief among them are debt-to-income ratios, credit scores, and the type of home...

When online shopping, you don't always have to use your debit or credit card. With some online stores, you can also use your checking account information. Paying with your checking account is a simple process that will allow you more versatility when shopping online. Below, we discuss 10 ways that you can shop online and...

If you are looking for a similar yet effective alternative to a debit card, a prepaid card may be your solution. Prepaid cards allow you to load money onto them to make any purchases at any location. Essentially, they function similarly to debit cards, without having any connection to a bank account. This makes prepaid...

At surfky, we’re big supporters of cleantech and all viable initiatives that help the world move to renewable forms of energy consumption. That’s why we’re excited to announce the launch of our Electric Car Sales Index, which shows the total yearly sales of electric vehicles in the United States by state. We use credible sources,...

It all started with the GameStop (NYSE: GME) short squeeze. It's rare when stock market news become the main topic at the dinner table, but it's hard to think there is a sexier story for Main Street than a group of internet renegades getting together to pump a collection of stocks and push billion-dollar wall...

As a homeowner who makes mortgage payments every month, you might be interested in refinancing your house to purchase a second home. This new purchase could be for a fun vacation spot for the family or new investment property. Regardless of the reasons, refinancing might be for you. If you think that refinancing might be...

Regardless of if you have recently refinanced, there are options available to take the next step in obtaining the home of your dreams. Many people refinance for various reasons: utilizing home equity, shortening the length of a loan, making payments more affordable, and much more.  Purchasing a home after refinancing is a popular option that...

Are you interested in obtaining a mortgage on a house you currently own? It is possible to get a mortgage on your home. We’re here to help answer your questions. Knowing you can use your house as collateral for a loan is one thing. But what do you need to do to get the loan?...

If you have a credit score between 400 and 550, don't rule yourself out of being able to own a good credit card. Instead, consider applying for an unsecured credit card that will help you build a better credit history. In this article, we highlight the top seven unsecured credit cards for credit scores in...

Owning a home is a dream for many. However, purchasing one is a complex process. From making an offer to negotiating closing costs, the financial aspects of home-buying can be frustrating for even the savviest shopper.  However, one thing that shouldn't feel challenging should be figuring out the income you need to qualify for a...