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Best Home Equity Loan Rates for 2014

  Home equity loans hold undeniable appeal for many homeowners. They’re a convenient way to unlock some cash by tapping the value built up in your home — money you otherwise won’t see unless you sell your home for a profit. Though you can use a home equity loan for almost anything, they’re especially appropriate …

Why a Two-Year Degree May Be Your Best Investment

Most experts agree that the economic value of a bachelor’s degree far outweighs the average cost of earning one. However, recent research has made it painfully clear that a four-year degree is not a good investment for every student. For example, a study by New York Fed researchers showed that the bottom 25th percentile of college graduates earned …

I’m Covered — No You’re Not! How to Dispute Insurance Claims

You’re sitting in your favorite chair when you hear the sound of screeching tires, followed by breaking glass and crunching metal. Before you even have a chance to get up and see what’s happening, a 1977 Cadillac Coupe Deville crashes through your living room wall, knocking you from your chair and breaking your right arm …

Best Bad Credit Auto Loans

Getting the best price on a car is never an enjoyable experience, and getting a loan when you have bad credit can make this experience even harder to swallow. If your credit score is less than ideal, you’ll probably find yourself locked out of certain deals common for those with good credit, like very low …

Best Bad Credit Loans for 2015

A bad credit score can turn getting a much-needed loan into a big headache. Your credit score affects your interest rate and a bank’s perception of your ability to pay them back. Your loan may be capped at a lower amount to help the lender lessen its risk, and you may even have to offer …

How to Find Affordable Health Insurance in 2014

Whether you’re self-employed, unemployed, or covered under an employer’s health-care plan, finding affordable health insurance can be a frustrating, time-consuming process. Throw in controversy around the Affordable Care Act (ACA), and finding accurate, reliable information can be a nightmare. Sure, cheap health insurance exists, but qualifying can be tricky, and you’ll want to be sure …

How to Make Money Driving for Uber

Thanks to the modern marvel of the Internet, a slew of disruptive technologies have completely reshaped entire industries over the last decade. Think about how Amazon.com reinvented shopping by offering subscription services for everything from diapers to groceries with Amazon Prime, for example. And remember Blockbuster? Streaming video services like Amazon and Netflix turned video rental storefronts into the …

The Accidental Landlord

When I say real estate tycoon, your thoughts probably jump straight to Donald Trump or somebody on a reality show. Then you probably smile a little bit and think to yourself, “If only I had an investment property, I could be on my way to a mega-fortune in no time at all.” Well, if you …

Best Debt Management Companies for 2014

Debt management is one of several debt-relief options for those who are struggling to keep up with a growing pile of bills each month. When you sign up for a debt management plan, you pay a single company every month instead of all of your creditors. The debt management company then pays off your creditors …

Best Project Management Software for 2014

Part 3 of our Small Business Tools Series tackles the best project management software. Previously we covered Best Cloud Storage Providers and Best Email Marketing Services; now we enter the realm of project management. There are many project software providers out there these days. While it speaks to the necessity of project management, it also can be …

Best Debt Consolidation Loans for 2014

When you’ve fallen behind on your payments, it can feel like there’s nowhere to turn. One potential option to get organized and streamline your bills is debt consolidation. Debt consolidation lets you roll several debts into one loan with a lower interest rate and longer payment term. That means you’ll pay less each month to …

The Emotional Effects of Debt

Whether it’s considered “good debt” or “bad debt,” the truth is, any debt can cause serious emotional effects. Studies show what many of us already know: Debt is about much more than money. Being in debt can lead to a number of other emotional and psychological issues. The average American has $15,950 in credit card debt, and 39% …

Best Debt Settlement Companies for 2014

If you’re drowning in debt you’re unable to pay, you may be confused by the sea of options available to you, including debt settlement. Debt settlement is when a company negotiates with your creditors on your behalf to reduce the amount you’ll pay. The rest of the debt is typically forgiven. It sounds like a …

Saving Money in Your Startup — Part 5

Have you ever written a check and paused for a moment to mentally check your bank account to make sure there were sufficient funds in the account for the check to clear? I have, and I’m guessing you have too. Keeping accurate accounting records is important — especially for your business. Accounting provides you and your …

Confronting Your Worst Money Fears

A tornado sweeps through your town and leaves nothing but death and destruction in its wake. An electrical fire burns your house and everything in it to the ground. A hacker steals your identity and runs up tens of thousands of dollars in debt before you realize what’s happened. Or, a distracted driver gets into a severe, life-changing accident …

What’s Your Money Mind Type?

Excerpted from “Creating Money, Creating Meaning” by Orna Ross A core understanding in “Creating Money, Creating Meaning” is that how you do money is how you do life. Your bank statement is the most accurate statement you have of your real, lived values (as opposed to those you talk about). If money is making you unhappy …

How to Find Cheap Home Insurance in 2014

If your home is your castle, cheap home insurance is your modern-day dragon and moat. Homeowners insurance doesn’t just protect the structure of your house. It also protects your belongings and covers you in case you’re liable for someone else’s injuries or property damage while they’re at your home. Though a number of factors that …

How to Declutter Your Home in a Weekend Without Spending a Dime

When your home is a cluttered wreck, it can be hard to summon the motivation to tackle the chores you’ve been putting off and to toss or organize your scattered possessions. To make matters worse, you’re crunched for time and it’s tough to get anything done around the house, no matter how hard you try. I never seem to have …

Best Car Insurance Companies of 2014

You’ve seen auto insurance ads cluttering every commercial break, no doubt. Sometimes they’re funny (talking animals, anyone?), sometimes they’re sobering (shocking crashes, sobbing families), and sometimes they simply appeal to your bottom dollar by promising the best possible rate. The barrage of ads underscores that there’s no shortage of competition among the nation’s car insurance …