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Articles by Thomas (TJ) Porter

TJ Porter has in-depth experience in reviewing financial products such as savings accounts, credit cards, and brokerages, writing how-tos, and answering financial questions. He has also contributed to publications and companies such as Investment Zen and Echo Fox. He aims to provide actionable advice that can help readers better their financial lives. Education: B.S. in Business Administration, Concentration in Information Systems from Northeastern University.

What Happens If You Lie About Your Income on a Credit Card Application? Photo of Thomas (TJ) Porter Thomas (TJ) Porter What Happens If You Lie About Your Income on a Credit Card Application? Lying on a credit card application is a federal crime that can result in hefty fines... Compounding Interest Daily vs. Monthly: What’s Better for Your Savings? Learn the differences between daily and monthly compounding interest to determine if it actually matters to you and your savings. Find out how the two terms are related to APR and APY. Understand how the rate of compounding is used to calculate the effective return of your deposits in savings accounts and CDs. Which Credit Report Does Capital One Pull? Find out which U.S. credit bureaus are used most often by Capital One when it is reviewing credit card and loan applications. Can You Sign a Check Over to Someone Else to Deposit? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Can You Sign a Check Over to Someone Else to Deposit? Yes, you can sign a check over to someone else, but it's not always accepted by... What to Do if a Restaurant Overcharged Your Credit Card? Photo of Thomas (TJ) Porter Thomas (TJ) Porter What to Do if a Restaurant Overcharged Your Credit Card? If a restaurant overcharges your credit card, first contact the restaurant to... Which Credit Reports Do AT&T, T-Mobile, Sprint, and Verizon Pull? Find out which credit bureaus are used by the major U.S. mobile carriers when customers sign up for phone service. Learn how the information on your credit reports will affect your chances of getting service. Compare alternative options for people with bad credit. The Best Robo-Advisors for Automated Investing in 2025 Find out which robo-advisory services were the best of the year based on account fees, investment options, portfolio design, and other features. Best Bank for Personal Loans in Texas for 2025 Photo of Thomas (TJ) Porter Thomas (TJ) Porter Best Bank for Personal Loans in Texas for 2025 What makes personal loans so useful and popular is their flexibility. You can... Best Personal Loans in South Dakota in 2025 Photo of Thomas (TJ) Porter Thomas (TJ) Porter Best Personal Loans in South Dakota in 2025 Whether you want to fund a home improvement project, cover an unexpected bill, or... The Best Personal Loans in New York for 2025 Find out which local New York lenders offer the best personal loans and compare their interest rates and fees to options available from online lenders.