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Articles by Valencia Patrice Higuera

Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie. Valencia has contributed to publications and outlets including MSN, The Huffington Post, CBS News, Investopedia, and more. Education: B.A. in English from Old Dominion University.

Renters Insurance and Roommates: Can You Share Coverage? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Renters Insurance and Roommates: Can You Share Coverage? Whether you’re renting a house or an apartment, it’s important to get coverage... Pennsylvania Homeowners Insurance: Average Rates for Coverage Find out how much homeowners insurance costs on average in Pennsylvania, including optional coverages that may be worthwhile considerations as part of a policy. Mobile Home Insurance: What Does It Cover? Learn what is covered when you purchase a mobile home or manufactured home insurance policy and what to look for when you're considering this type of coverage. Maryland Homeowners Insurance: Average Rates for Coverage Photo of Valencia Patrice Higuera Valencia Patrice Higuera Maryland Homeowners Insurance: Average Rates for Coverage Homeowners insurance in Maryland protects your property from damage. This includes... Condo Insurance: How to Shop for an H0-6 Insurance Policy Photo of Valencia Patrice Higuera Valencia Patrice Higuera Condo Insurance: How to Shop for an H0-6 Insurance Policy A condo might be perfect if you’re looking to buy a home, yet you want a... Guide to Using a Backdoor Roth IRA Learn the step by step process of setting up a backdoor Roth IRA to help taxpayers who've reached the income limits to qualify for contributions. Find out what taxes you are responsible for paying when you convert a traditional IRA. Most importantly, determine for yourself when it makes sense to use a backdoor Roth IRA. Should You Pay Off Student Loans or Credit Cards First? Find out whether it is smarter to pay off your student loan debt or to pay off your credit card balances. Learn the benefits of each option when it comes to saving on interest charges. Consider other options that you have to consolidate or refinance your debt to reduce interest and monthly payments. Georgia Homeowners Insurance: What are the Average Rates? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Georgia Homeowners Insurance: What are the Average Rates? Homeowners insurance in Georgia helps cover losses and damages to your home’s... Is a Four-Year College Degree Overvalued? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Is a Four-Year College Degree Overvalued? School counselors, teachers, and parents sometimes push the idea that college is... Private Mortgage Insurance: How PMI Works and When It Makes Sense Learn how private mortgage insurance (PMI) works as it relates to down payments and your monthly mortgage bill. Find out if it is required for your home loan.