News

Hey there, folks! If you’re wondering, “Can I use my credit card to pay closing costs?” the quick answer is yeah, sometimes you can, but it ain’t always the smartest move or even allowed everywhere. We’ll dive deep into why, how, and when it might work—or bite you back—in this guide, keeping things simple and … Read more

Paying off collections could increase scores from the latest credit scoring models, but if your lender uses an older version, your score might not change. Regardless of whether it will raise your score quickly, paying off collection accounts is usually a good idea. Although it’s possible that paying off a collection account will raise your … Read more

Hey there folks! If you’re sittin’ there wondering, “Can I avoid capital gains tax by paying off my home loan?” then you’ve come to the right spot. I’m gonna break this down for ya in plain English no fancy tax mumbo-jumbo. The quick answer? Nah, just clearing out your home loan ain’t gonna magic away … Read more

As a common strategy for estate planning, a family trust offers advantages and disadvantages. Most of the time, a trust is set up through your will. Its purpose is to help your family by protecting your assets and avoiding probate. Let’s look at the pros and cons of this type of trust. Family trusts can … Read more

If you’re wondering who gets the Amex Black Card, it’s basically the ultra-rich folks who American Express handpicks after they prove massive spending power and loyalty. This invite-only beast, officially the Centurion Card, ain’t for just anyone—think celebs, CEOs, and high-rollers dropping six figures yearly on their Amex. We all dream about flashing that sleek … Read more

Look, if you’re staring at a mountain of student debt and dreaming about owning your own pad, I’ve got good news: yeah, you absolutely can buy a house with student loans. It ain’t a deal-breaker like some folks think; it’s all about how you juggle your finances, boost that credit score, and pick the right … Read more

Paying off collections could increase scores from the latest credit scoring models, but if your lender uses an older version, your score might not change. Regardless of whether it will raise your score quickly, paying off collection accounts is usually a good idea. Its possible that paying off a collection account will increase your credit … Read more

Hey there, future homeowner! If you’re sittin’ there wonderin’, “What credit score do I even need to buy my first crib?”—you’ve landed in the right spot. I’m gonna lay it all out for ya, straight and simple. Buying your first home is a big freakin’ deal, and that little number called your credit score? It’s … Read more

Getting a US bank card isn’t some impossible quest, but it can feel like one if you’re not prepared—think eligibility checks, credit scores, and paperwork that might make your head spin. In simple terms, for most folks with decent credit and steady income, it’s pretty straightforward, but internationals or those with no credit history? That’s … Read more