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Are Banks Open on MLK Day?
Jan 16

Are Banks Open on MLK Day?

Martin Luther King Day is a national holiday in the U.S. that honors the life and legacy of civil rights leader Martin Luther King Jr. MLK Day is also one of those tricky holidays that often leaves many Americans confused as to what will stay open and what will be closed. Observed on the third

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Don’t Go Bankless In 2015: Why You Should Open a Second Chance Banking Account

Don’t Go Bankless In 2015: Why You Should Open a Second Chance Banking Account

Keeping your money in a bank instead of stuffing it under your mattress seems like a no-brainer, but there are nearly 10 million households in the U.S. that don’t have a checking or savings account. Millennials, in particular, are notably unconventional when it comes to how they manage their money. From using prepaid debit cards

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4 Tips to Get the Most Cash Back From Your Discover it Card
Jan 15

4 Tips to Get the Most Cash Back From Your Discover it Card

Discover it, my top choice among cash back credit cards, is ready to deliver a new dose of bonus cash back opportunities this year. In addition to having no annual fee, it offers 5% cash back on certain purchase categories that change every three months, while all other spending earns 1% cash back. The 5%

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What You Need to Know Before Deciding on a Condo or Coop Purchase

What You Need to Know Before Deciding on a Condo or Coop Purchase

The downward spiral of mortgage interest rates is opening up new opportunities for potential home buyers: stock cooperative apartments, better known as coops (pronounced KO – ahps). In the big cities of the East Coast — particularly New York, where they represent 75 percent of the market — coops can be an affordable alternative to

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Wealth Building Home Loan to Help Low-Income and First-Time Home Buyers
Jan 14

Wealth Building Home Loan to Help Low-Income and First-Time Home Buyers

An innovative new mortgage program is getting a lot of favorable media, as it is designed to help low-income borrowers and first-time buyers get into the housing market and stay there. It’s called Wealth Building Home Loan and it is a 15-year mortgage which allows home buyers to build equity much faster than they would

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Don’t Pay for FICO Credit Scores Anymore: They Come Free With These Credit Cards
Jan 13

Don’t Pay for FICO Credit Scores Anymore: They Come Free With These Credit Cards

In years past, there were tricky TV commercials for “free credit scores” that were actually introductory offers for pricey subscription plans. Now, it seems like those commercials are disappearing — I can’t remember the last time I saw one. I think the decrease in airtime is due to one new trend: more credit card companies

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5 Banking Predictions for 2015: Card Security, Savings Rates and More
Jan 12

5 Banking Predictions for 2015: Card Security, Savings Rates and More

The start of the new year means we’re once again anticipating new banking trends. In 2015, we believe we’ll see enhancements and upgrades to our existing financial accounts so that our ability to grow, protect and manage our money, experiences significant improvements. Last year, we were accurate with 4 out of our 5 banking predictions

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How to Buy a Home In America’s Highest-Priced Markets
Jan 10

How to Buy a Home In America’s Highest-Priced Markets

Thinking about buying a home in one of America’s most expensive cities? If you’re a first-time buyer — perhaps a successful young professional convinced your opportunity has finally arrived — you may want to pause and take stock of your finances. It’s true the national housing market is looking more affordable these days. We can thank

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When a Green Mortgage Is Worth the Investment
Jan 06

When a Green Mortgage Is Worth the Investment

“Going green” at home has taken on new meaning because of the “Green Mortgage” — also known as an Energy Efficient Mortgage (EEM). These loans finance residential energy efficiency upgrades and renewable energy systems — green improvements — that also save you cash (more green). What they are and what they do EEMs are available

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Best Credit Cards for People With Excellent Credit
Jan 02

Best Credit Cards for People With Excellent Credit

A round of applause is due if you tout an excellent credit rating. It’s more than just proof to yourself that you’re responsible with credit, it also opens the doors to some of the best credit cards that would make others envious of your financial prowess. While you can get these credit cards just for

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