How to Rebound After Identity Theft

Identity theft could be one of the most frustrating issues to deal with in your lifetime. That is why it is crucial to have a plan in place before this situation happens to you.

To help you rebound from an identity theft incident, here is a look at the types of identity theft and what steps you may want to take as soon as you find out that you are a victim. However, you should always contact an attorney or advisor and appropriate law enforcement if you believe you are a victim of identity theft.

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What is the Difference Between a Prime and Subprime Loan?

When it comes to getting a loan, your three-digit credit score is a major factor in determining your risk level as a borrower. Credit scores are typically categorized as excellent, good, fair, poor, or bad.

When it comes to the interest rate and terms of a loan, it is dependent on this same categorization of your credit score but is usually designated into two different categories. Those categories are prime and subprime. Prime covers the excellent and great credit scores, and subprime covers the fair, poor, and bad credit scores. There is also a super-prime designation that is sometimes used to refer to the top tier of excellent.

So, what does this mean for you if you are looking to get a credit card or a loan?

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Guide to Freezing and Thawing Your Credit

Did you know there were over 650,000 cases of identity theft in 2019? If you suspect that your identity may be compromised, you will want to take some proactive steps to protect your credit.

A great way to protect yourself is by freezing your credit report. Here, we will answer what you need to know about freezing and unfreezing or “thawing” your credit.

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Guide to Renters Insurance

If you rent a house or an apartment, you may think that everything in your rental is covered. The truth is the landlord’s insurance generally only covers the structure itself.

Items you personally own will generally need a separate insurance policy; called Renters Insurance. Heres’ a look at what you should know about renter’s insurance.

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Can You Rent an Apartment When You Have Bad Credit?

Looking for a great place to live when you have less than perfect credit? Don’t despair. Finding an apartment or rental home when you have bad credit can be worrisome but it’s not impossible. Be aware that you might need to do more than the typical applicant. There are several ways you can get that apartment or home rental - that you want - by just following a few suggested tips.

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Backyard Activities to Keep Kids Busy This Summer

When the summer months come, the kids will be out of school and around the house. Of course, you do not want your little ones to spend all their time indoors. After all, kids may become restless and end up causing lots of calamity inside the house. Make sure there is always something fun for the kids to do outside.

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10 Money Saving Tips to Lower Your Homeowner Insurance

Home insurance premium discounts can vary greatly depending on where you live and a number of other criteria. Homeowners insurance is something a homeowner can't avoid, and often it's not something people think about. It's easy to put a policy in place and then never think about it again. However, a home is likely the most valuable asset we will ever own, and it's filled with costly possessions. Homeowner's insurance can cover the value of the building, including upgrades and the worth of belongings within the home.

It's essential to review your homeowner's insurance coverage and how much you're paying for it. Doing so can potentially save you a substantial amount of money.

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You Can Enjoy a Budget-Friendly Family Vacation

Are you looking for a family vacation for a budget-friendly price? Taking a vacation with your family does not mean you have to break your budget, especially if you are flexible about the timing. When planning a budget-friendly family getaway, you will need to arm yourself with knowledge of packaged deals and last-minute savings opportunities.

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10 Reasons to Avoid Pawn Shop Loans

If you are looking to get some quick cash, you may be tempted to pawn something as collateral. A pawn shop loan does not require a credit check and can be enticing to those with bad credit. However, there are several reasons why you should think twice about this approach.

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Moving on a Budget

Moving can be more costly than you think. In fact, the average local move costs $1,250, while the average long-distance costs about $4,890.

The good news is there are several ways that you can cut a big chunk out of moving costs. In fact, with the right planning, you can cut those moving costs in half.

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