Low Rates are Great...but a Low APR is More Important.
Updated Oct. 24, 2014
So you've heard that interest rates are at all-time historic lows, and now you're shopping for the right lender to refinance your home. Smart move.. So that means you just look for the lowest interest rate, right?. Wrong.. Sure, low interest rates are a good, good thing. But they certainly don't tell...

When the Stock Market Slumps, Maybe it's Time to Refi Your Home.
Updated Oct. 9, 2013
Lately, the stock market has had its fair share of ups and downs--and most recently, it feels like a lot more downs than ups. For most people, a dropping Dow Jones Industrial Average means a loss of confidence, and maybe even some panic. But for the wise, it's an opportunity.. See, the stock market is fairly...

10- or 15-Year Fixed Refi: Which is Right for You?
Updated Oct. 24, 2014
So, you've watched the stock market tank--and interest rates drop right along with it--and decided to do the smart thing and refinance your home. Good call. Because it's looking like the only direction rates have left to go, is up.But now you're facing a somewhat intimidating decision. What...

How Does an Adjustable Rate Mortgage (ARM) work?
Updated Oct. 24, 2014
In 1982, the Garn-St. Germain Depository Institutions Act was passed, allowing lenders to offer the Adjustable Rate Mortgage--or ARM, for short. An ARM is a very different kind of loan than the more standard and stable fixed-rate mortgage. But if you're not planning on being in your home for more than 3-10...

Breaking the Vicious Cycle of Payday Advances.
Updated Oct. 9, 2013
By Marc Dooley. Let's say you're working a long, hard week where you'll earn a paycheck of $1,000. But when you get paid, you tell your boss he can keep $200 of it...so he can get himself a little something nice. And then you do the same thing next week. And the week after that.. Doesn't make sense, does...

You can improve your credit AND get out of the cash jam you're in.
Updated Oct. 24, 2014
By Marc Dooley. November 15, 2011. So, you've dug yourself into a bit of a credit hole, eh? Well, the good news is that you're not alone. The economy has been rough on a lot of people for longer than we care to admit. Millions of people have done what they had to do in order to get by. And that can mean pushing the...

Personal Loan vs. Payday Advance: Which is Better?
Updated Oct. 9, 2013
By Marc DooleyNovember 15, 2011. So you've found yourself in a bit of a financial bind, and need a little help to get through it. Don't be embarrassed; it's happened to just about everyone at some point or another. What you need to do now is figure out how to deal with it in the best way.. And if your credit...