Dawn Papandrea – Page 3

Ally Lending Personal Loans Review 2023| US News

6Oct

By adminNo Comments

Money

Ally Lending Personal Loans Review 2023| US News

Find the Best Personal Loans for You Lender Learn More APR Loan Amount Min. Credit Score Lender Learn More APR Loan Amount Min. Credit Score Lender Learn More APR Loan Amount Min. Credit ScoreHow Can Ally Lending Be Used?Ally Lending offers installment loans for medical treatments and procedures and for home repairs and renovations. These loans are available through home improvement and health care providers.How Does Ally Lending Work?Ally Lending offers loans for: Health care (fertility, audiology, cosmetic, dental, vision, veterinary). Home improvement (windows and doors, flooring, roofing, siding, plumbing, electrical, HVAC, pool repair). Here's how the process works: Let's say you're thinking about putting new hardwood floors in your home. Instead of asking you to pay for the floors...

What Is APR on a Credit Card? | Credit Card News & Advice

25Sep

By adminNo Comments

Money

What Is APR on a Credit Card? | Credit Card News & Advice

When comparing credit cards, one of the key factors to consider is the annual percentage rate, or APR. Unlike with other types of loans, credit card APR is a bit tricky to understand since it’s calculated differently. And there are different credit card APRs depending on the type of card activity.To qualify for a good credit card APR, the key is to maintain a healthy credit score. That said, the average credit card APR is the highest it's been in a long while, thanks to the Federal Reserve's interest rate hikes, so your best bet is to try to avoid paying it as much as possible. The best way to do that is to learn more about how APR works, how it's calculated, the different types of credit card APRs and other "interest"-ing facts.See our guide below for a breakdown of credit card APR. Key ...

What Is Mortgage Forbearance? | Mortgages and Advice

16Sep

By adminNo Comments

Money

What Is Mortgage Forbearance? | Mortgages and Advice

Mortgage forbearance allows homeowners facing financial hardship to put their payments on pause for a set period of time. Here's what you should know about mortgage forbearance, in case you need to weather a future financial crisis.What Is Mortgage Forbearance?Mortgage forbearance is temporary relief offered by lenders which allows you to pause your monthly mortgage payments, or make lower payments, for a period of time. When you're approved for a mortgage forbearance, you and the lender agree that you will stop making payments for a specified amount of time and arrange to pay later."Forbearance doesn’t mean your payments are waived forever. It’s a temporary pause on payments, usually due to a financial hardship," says Leslie Tayne, founder and head attorney focusing on consumer and busin...

What You Need to Know About the Capital One Venture X Travel Credit | Credit Cards

16Sep

By adminNo Comments

Money

What You Need to Know About the Capital One Venture X Travel Credit | Credit Cards

Some of the links on this site contain offers from our partners. The offers in this article may be expired or currently unavailable. Capital One recently informed cardholders who have the Venture X Rewards Credit Card that one of their key benefits has changed. Since the card's launch, cardholders have enjoyed an annual $300 travel credit that was applied as a statement credit after you purchased an eligible travel booking through Capital One Travel.Going forward, however, there is no more statement credit. Now, users will be able to redeem a $300 discount at the time of purchase.Find out what this means for cardholders, if there's any real difference and how the new $300 credit will work.Same $300 Credit, But Applied DifferentlyGiven Venture X's annual fee of $395, the $300 trav...

How to Improve Your Credit Score | Credit Cards

16Sep

By adminNo Comments

Money

How to Improve Your Credit Score | Credit Cards

If you're often turned down for credit or you can only qualify for loans with exorbitant interest rates, your credit score may be to blame. Fortunately, there is no shortage of strategies you can use to boost your score. As your score increases, you'll generally be better positioned to get loans at more affordable rates. How to Increase Your Credit ScoreAchieving a higher credit score takes time, patience and financial responsibility, says Tom Quinn, vice president of scores at FICO. "While you can't fix your FICO score overnight, you can focus on behaviors and practices that creditors look for in a borrower," he says.In other words, if you're hoping for a magic bullet to increase your credit score, there isn't one – but you will surely benefit from taking the following steps.Check Your C...

Can You Open a Bank Account With Just a Passport?

13Sep

By adminNo Comments

Money

Can You Open a Bank Account With Just a Passport?

When you open a bank account, the bank needs you to prove that you are who you say you are. That normally involves providing a few pieces of documentation, including a government-issued photo ID. For most people, a driver's license is the most obvious choice. However, if you don't have a driver's license, a passport – whether issued by the U.S. or another country – could serve the same purpose.That’s because a passport is an official government document that requires a thorough vetting process.But is your passport by itself enough to open a bank account? Not quite. While it does allow you to meet the photo ID requirement, there are typically other things you’ll need to show the bank to prove your current address and tax status. Learn more about the requirements for opening a bank account....

Freddie Mac Home Possible Mortgages: What You Need to Know | Mortgages and Advice

5Sep

By adminNo Comments

Money

Freddie Mac Home Possible Mortgages: What You Need to Know | Mortgages and Advice

Buying a home can be a challenge for anyone, but especially for lower-income homebuyers who may not have a large down payment. Luckily, there are some home loan programs, including Freddie Mac Home Possible, designed to help borrowers who might not meet traditional requirements.Learn more about the advantages and drawbacks of Freddie Mac Home Possible and how to qualify to help you decide if it's right for you.What Is the Freddie Mac Home Possible Program?The Freddie Mac Home Possible program is a low-down-payment conventional mortgage program designed to help lower-income homebuyers achieve home ownership. Freddie Mac, a government-sponsored lender established by Congress in 1970 to help ensure stability in the mortgage market, launched the program in 2014. Around 80% of Home Possible bo...

1Sep

By adminNo Comments

Money

How to Use Cash App | Banking Advice

Are you looking for a new payment platform to streamline the way you send and receive payments, with additional banking and investing features? Cash App may fit the bill. Learn more about how to use Cash App and how it compares to other popular apps in the peer-to-peer payment space.What Is Cash App?Cash App is a financial services platform owned by Block (formerly Square) that allows you to send or receive cash, bitcoin or stocks. You can also get the Cash Card debit card, connect direct deposits to your Cash App account, and use your account like a savings account.If you want to know how to use Cash App, here's a breakdown to get you set up.How Does Cash App Work?Cash App works like other payment platforms in that you download an app, add a funding source and then you can begin using it...

25Aug

By adminNo Comments

Money

What Is FedNow? | Banking Advice

Do you ever feel frustrated when you cash a check or transfer a digital cash balance to your bank account and it takes days to process? FedNow Service is a new payment system from the Federal Reserve aimed at allowing individuals and businesses to send and receive money instantly.Here's what you need to know about FedNow, which banks are participating, and how it might change the future of banking.What Is FedNow? FedNow Service is intended to help banks and credit unions transfer funds instantly to their customers 24 hours a day, seven days a week, 365 days a year. In other words, you won't have to calculate business days when figuring out how long it will take for a payment to clear.Though it is similar to existing services Fedwire and FedACH, the difference with FedNow is that there is ...

Can You Get a Mortgage If You’re Self-Employed? | Mortgages and Advice

24Aug

By adminNo Comments

Money

Can You Get a Mortgage If You’re Self-Employed? | Mortgages and Advice

If you're self-employed and want to buy a home, you'll likely face a bit more scrutiny than borrowers with traditional wages. That's because mortgage lenders routinely require proof of consistent income for mortgage approval, which can be tricky when you can't show a W-2 or recent paycheck. Self-employed borrowers should be prepared to provide evidence of active income – simply put, the money you earn for your work. Learn more about how self-employed home loans work, the minimum qualifications you'll need to get approved, and what to prepare for the process. Determine If You're Self-EmployedFirst, you should understand what it means to be classified as self-employed. In general, lenders will consider you self-employed if a significant portion of your income comes from being a gig worker, ...