Subscription-based businesses such as SaaS companies often have two main payment plan options for their customers: monthly or annual subscriptions. Which SaaS payment plan is best depends less on the company providing the service and more on the customer. Different customers have different needs and different perspectives on what constitutes value for them. Both monthly … Read more
The deceased personâs estate is usually responsible for covering their debts, including car loans, but not always. Determining who is responsible for repaying the car loanâif anyoneâmay depend on the loan terms and your stateâs laws. When youve recently lost a loved one, dealing with the financial aftermath of the loss can feel overwhelming. Car … Read more
Taking out a home equity line of credit (HELOC) can be a smart financial move. It allows you to tap into your home’s equity for funds to tackle expenses like home improvements, debt consolidation, or major purchases. But before applying for a HELOC, it’s crucial to understand how it will affect your finances—especially your debt-to-income … Read more
Paying off a mortgage is one of the biggest financial goals for homeowners. Making those monthly payments for 15, 30 years or longer can feel like a lifetime commitment. Fortunately, there are options to pay off your mortgage faster or receive help paying it off. One potential option is receiving help from family members who … Read more
Your credit score is one of the most important factors that determines whether you’ll be approved for a new credit card. The FICO score is the most widely used type of credit score that lenders consider. So when you apply for an American Express card, the FICO score is what they’ll look at. But Amex … Read more
When you buy a home, do you know what costs and cash you’ll need to pay at closing? If you aren’t sure what “cash to close” means, what your closing cost amounts are or how to pay them, read on to learn more. For people who are buying their first home, there are a lot … Read more
Your Guide to Getting the 3 Free Credit Reports You’re Entitled To Having access to your credit reports is crucial for monitoring your financial health But did you know that federal law entitles you to get free copies of your reports from each of the 3 major credit bureaus every 12 months? In this guide, … Read more
If you can’t pay back your car loan, you can try negotiating with your lender, refinancing your loan, selling the car, or giving it up voluntarily to keep it from being repossessed. For many people, a car provides necessary transportation for work, school or other everyday needs. But with an average auto loan balance of … Read more
Cashing a check can sometimes be a straightforward process, but what if you dont have a bank account or valid ID? Many people face this challenge, whether due to lost identification, being undocumented, or simply not having access to traditional banking services. This guide covers everything you need to know about cashing a check without … Read more
When negotiating with a debt collector, you should confirm whether you owe the debt, calculate a realistic payment plan, and make a repayment proposal to the debt collector. Debt can feel like a heavy burden, especially when you owe more than you can realistically afford to pay back. Fortunately you have options beyond just paying … Read more