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.

How Do Early Withdrawal Penalties Apply to IRA CDs? Find out how early withdrawal penalties are applied to IRA CDs (individual retirement account certificates of deposit). Should You Invest in Series I Savings Bonds or CDs? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Invest in Series I Savings Bonds or CDs? Series l savings bonds and certificate of deposits (CDs) are low-risk, long-term... Vio Bank High-Yield CD Rates 2024 Review Photo of Valencia Patrice Higuera Valencia Patrice Higuera Vio Bank High-Yield CD Rates 2024 Review Find out whether the interest rates on Vio Bank's certificates of deposit (CDs) are able to compete with the CD rates offered by other online banks. The Best Teen Checking Accounts in 2024: For Managing Money at an Early Age Find out which banks offer the best checking accounts for teenagers who want to learn how to manage their own money at an early age. The Best Business Checking Accounts of 2024 Compare the different basic business checking accounts offered by the top U.S. banks. Choose the right business checking account for your small business. How to Place a Credit Freeze at the Equifax, Experian, and TransUnion Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Place a Credit Freeze at the Equifax, Experian, and TransUnion Your credit report contains highly sensitive information. Whether you’re... Should You Close Your First and Oldest Credit Card? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Close Your First and Oldest Credit Card? A credit card is an excellent tool for establishing a credit history and many... What Financial Documents Needed When Applying for a Mortgage Find out which financial documents will be needed by your mortgage broker when applying for a mortgage to buy a new home. Can You Get an Auto Loan for a Private Car Sale? Learn how you can buy a used car from a private party and still borrow funds through an auto loan to pay for the purchase. Compare the Best Business Loans for Bad Credit in 2024 Photo of Valencia Patrice Higuera Valencia Patrice Higuera Compare the Best Business Loans for Bad Credit in 2024 Running a company takes money—sometimes a lot of it. Even if you started your...