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.

Identity Fraud: Should You Get a New Social Security Number? Find out whether you should get a new Social Security number if you become a victim of identity fraud and how the change could affect your credit history. Deferment vs. Forbearance for Student Loans Photo of Valencia Patrice Higuera Valencia Patrice Higuera Deferment vs. Forbearance for Student Loans If you’re like most people, you didn’t have a huge college fund waiting for you... Negative Interest Rates: What It Could Mean for Your Mortgage and Savings? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Negative Interest Rates: What It Could Mean for Your Mortgage and Savings? Banking and interest go hand-in-hand. Sometimes, you can’t think of one without... Earthquake Insurance: Do You Need Coverage in Your Area? Learn what is covered by earthquake insurance, what policy coverage would cost, and whether you actually need it to pay for expensive earthquake damage. Finding a Good Real Estate Attorney: What to Look For Learn about the factors that go into finding a good real estate attorney to help with the process of buying a new home, including what questions to ask. Do Banks Offer Notary Services? Is It Free? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Do Banks Offer Notary Services? Is It Free? At some point in time, you might need to get a document notarized. To do so,... How to Find Your Bank's Routing Number Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Find Your Bank's Routing Number Every bank account in the United States can be identified with an account number... Credit Karma Savings Account Review 2024: Extra FDIC Insurance and a High Savings Rate Learn about the features and fees of the Credit Karma Savings account, which offers a competitive savings rate, no account fees, and extra FDIC insurance. What to Do With a Debt Collections Item You Didn’t Know About Find out what you should do when you discover a debt collections items that you didn't know about, possibly because you thought a bill or debt was paid already. 10 Reasons Why You Were Denied a Business Credit Card Photo of Valencia Patrice Higuera Valencia Patrice Higuera 10 Reasons Why You Were Denied a Business Credit Card A small business credit card can reduce cash flow problems and separate business...