In the pursuit of homeownership, affordability and accessibility are essential considerations. This is particularly true for borrowers navigating the real estate landscape for the first time or with limited financial means. Among the options available, FHA loans can help ease the financial barriers of buying a home. However, additional monthly costs and FHA housing standards … Read more
It’s good practice to make a down payment of at least 20% on a new car and 10% for used. A larger down payment can also help you qualify for a better interest rate. But how much a down payment should be for a car isn’t black and white. If you can’t afford 10% or … Read more
Make no mistake â £10,000 is a lot of money. But it is possible to save up over a few years, especially if youre planning to buy a home with a partner whos also saving. Is it enough to get a mortgage though? Keep reading to find out. Saving up a deposit for a house … Read more
A personal loan comes as a lump sum of money that you can use for almost anything. Your payments will be the same each month, and you might still qualify with less-than-perfect credit. Still, personal loans aren’t always the cheapest way to borrow and they don’t make sense for ongoing expenses. Knowing the pros and … Read more
How you manage your credit card accounts can affect multiple factors that determine credit scores, including your payment history, credit utilization rate, average age of accounts and credit mix. Acquiring a credit card account, using it (or not) and choosing to close it can all have significant consequences for your credit scores. Credit card activity … Read more
2024. 7 Update: The new card Robinhood Gold Card real 10K gold version is 36g in weight! This is the heaviest ever credit card. But this real 10K gold version is only available for a short time, and to get it, you have to get 10 friends to do the same, which is tough. There … Read more
You may be eligible for a California Earned Income Tax Credit (CalEITC) up to $3,644 for tax year 2024 as a working family or individual earning up to $31,950 per year. You need to fill out the 2024 FTB 3514 form, which is the California Earned Income Tax Credit, and send it in. If you … Read more
Have you been wondering why your credit scores change over time? Click to learn more from Equifax about the different factors that can affect your credit scores. [Duration – 2:00]. If youre tracking your credit scores over time, you may notice the three-digit numbers may change, even if the most recent score is generated by … Read more
A charge-off can remain on your credit report for seven years from the date the creditor charged off the debt. A charge-off, which appears on your credit report after a lender or other creditor gives up trying to collect a debt you owe, remains on your credit report for seven years. Charge-offs are bad things … Read more
Having to deal with the IRS can be stressful, especially if you owe money and have to pay penalties and interest. It’s a good thing that the IRS might be willing to waive these fees sometimes. You can get the IRS to forgive fines and interest by following these steps. When Can the IRS Waive … Read more