9 Product Testing Websites Where You Can Test Free Stuff

If you’re looking for an opportunity to get free stuff and even make money by testing out products, you might be interested in product tester jobs. If you’ve ever dreamed of testing out products from home, read on to find out how product testing jobs work. Have items delivered straight to your home and get […]

How Your Debt to Income Ratio Can Affect Your Mortgage

There are many factors that lenders evaluate when considering you for a mortgage. One of the most important is your debt-to-income ratio, which indicates how much of your income your monthly debt takes up. Calculating your DTI is fairly easy and is a good way to gauge what mortgage loans you might be eligible for […]

Refinancing to an ARM: What You Need to Know

When fixed-rate mortgage rates start dipping, it might be a good idea to consider refinancing your fixed-rate loan into an adjustable rate mortgage with lower interest during the introductory period. ARMs can be a good choice if you want the lowest rate initially (though the rate likely will increase later) or if you plan to […]

Coding Bootcamps: Average Cost & How to Pay

The job outlook for software developers is expected to grow by 21% by 2028, according to the U.S. Bureau of Labor Statistics — far higher than the national average for all professions. This has made coding bootcamp a popular alternative to attending a four-year university. The coding bootcamp market grew by 242% between 2014 and […]

Standard Repayment Plan: 10 Years of Student Loan Payments

Graduating from college means you’re done with tests and homework — but it also starts the timer for repaying your student loans. Your federal student loans will automatically default to the standard repayment plan — though there are other repayment plans you can choose. Under the standard repayment plan, you’ll have fixed monthly payments spread […]

How to Make an Offer on a House

Touring homes to find the perfect one for your tastes and budget is the fun part — the work starts once you prepare to write an offer. But making an offer doesn’t have to be intimidating if you follow these steps. How to make an offer on a house Your offer specifies the price you’re […]

What Is a Conventional Mortgage?

A conventional mortgage is one of the many loan products you can use to purchase or refinance a house. Conventional mortgages can be a little harder to qualify for than other types of home loans, but they can also offer significant benefits if you’re eligible. Conventional loan products can be a good choice if you […]

Extended Graduated Repayment Plans

If your student loan payments are difficult to keep up with, a repayment plan that makes your payments as low as possible might be a good idea. The extended graduated repayment plan does this by spreading your payments out over 25 years — but it’s not always the right choice for everyone. Here’s what to […]

Just How Often You Can Refinance Your Home

Refinancing your home can be a smart move — especially if mortgage rates have dropped, you need some extra cash, or your financial circumstances have changed and you need a lower payment. But mortgage refinancing isn’t always the right move — nor is it always a possible option. Here’s what you need to know about […]

Cash-Out Refinancing vs. Home Equity Loan: How to Choose

If you’re a homeowner with a good amount of equity in your property, then a cash-out refinance or home equity loan could offer money when you need it. Whether you’re facing high medical bills or just looking to cover a kitchen remodel, both financing options can give you the cash you need to pay the […]