Banks are trustworthy financial institutions — especially when it comes to the intimidating business of borrowing money. A good bank will have a solid track...

A soft credit check is also known as a soft pull or soft inquiry. It takes place when an individual checks their own credit score or...

When you’re working on building your credit score, or maintaining a good score, every little thing counts. Although your payment history and account balances are...

Your credit report presents a picture of your financial history. It is comprised of several different factors, such as the length of your credit history, your...

An open-end loan, also sometimes referred to as open-end credit, is a form of borrowing that can be used up to a certain limit before...

Hard inquiries are documented on your credit report for two years. However, the hard inquiry will only negatively affect your credit score for one year....

A 2018 report by the Federal Reserve Bank of New York found that about 44.7 million Americans have student loan debt, totaling over $1.47 trillion....

A tax offset occurs when the federal government garnishes your tax refund. Your tax refund is targeted if you’ve defaulted on a loan with the...

Tax loans can be helpful if you need your tax refund money fast. After you file your taxes with the Internal Revenue Service (IRS), it...

Understanding debt-to-income ratio (DTI) can help calculate the amount of money you may have left over after paying your bills. This is important for creating...

The debt-to-assets ratio offers a scope of financial solvency. You can analyze your total debt-to-assets ratio as an individual, investor, or company manager by dividing your...

“Bad debt” is not good for any business or individual, but it should not be confused with the idea of having debt altogether. For example,...

Banks are trustworthy financial institutions — especially when it comes to the intimidating business of borrowing money. A good bank will have a solid track...

A parent wouldn’t bring a newborn baby home from the hospital without any preparation beforehand and the same reasoning applies to a new puppy. If...

Bringing a dog to live under your roof comes with a surprising number of responsibilities and cares. New dog owners, in particular, can be racked...

Between transportation, dining, lodging, and excursions, a vacation can be an expensive splurge for any couple. If you’re looking for a romantic getaway with scenic...

A tax transcript is a document that provides an overview of your tax return information. While it’s not a complete copy of your past tax...

Wealth management is the allocation of a person’s wealth. It is consultative in nature and does not refer to one specific facet of financial management....

The marketing industry encompasses various types of jobs, so a marketing salary can differ by position. Here are nine of the highest-paying marketing jobs and...

The information technology (IT) sector encompasses an array of tech jobs, including cloud computing, information security, collecting and storing data, and more. The number of...

If there is one thing that everyone can agree on, it’s that a college education is expensive. According to the College Board, the average annual...

A congratulations letter is a simple, elegant, and thoughtful way to compliment a friend, family member, or co-worker on a recent achievement. Since a congratulations...

Everyone gets distracted at work. While this can happen occasionally, if it’s a regular occurrence it can seriously affect your productivity, efficiency, and overall drive....

Military jobs aren’t usually associated with high pay but if you put in your time and move up the ranks, you can earn a hefty salary....