Finding the Right Credit Card

If you are just starting out as a married adult and want to begin planning financially for your future, you are making a good decision. Planning for your financial future is easier and better when you start now instead of waiting, and here are three of the top things a financial planner might suggest for you to do. Build an emergency fund One of the first steps of financial planning involves setting up and building an emergency fund.

If you're planning to start investing using rental real estate, it could be a great move to help secure your future. Rental real estate is a good way to avoid the ups-and-downs of the stock market and create a passive income for life. But, getting into the rental game calls for understanding the special needs of financing it. Here are 5 steps for successful financing. Save, Save, Save. Investment properties often come with larger down payment requirements — north of 20% in many cases — so you should start with a big buffer of money available to use.

If you're a homeowner, you may have gotten letters from your mortgage lender about refinancing your home. There are some benefits to refinancing, which is why you may be considering it. Here are 3 reasons you may want to refinance your home. You Can Get A Better Rate If you originally got a mortgage with an adjustable rate, you may be dreading the day when higher rates are coming. If you refinance your mortgage to one that has a rate that is fixed, you'll be able to lock in your payment price to ensure that it doesn't increase.

Online banking has made life much easier in many ways — you can use online bill pay, make transfers between accounts, and check your account balance easily without visiting an ATM or making a phone call. But while online banking is very convenient, there are some safety precautions that you should take to protect your account and prevent hackers from being able to access sensitive information. Use the following tips to ensure that your online banking sessions are safe and secure:

If you're looking for a way to finance college costs for your child without taking out a lot of costly—and hard to discharge—student loans, there may be more alternatives than you think. Student loans are easy to take out, so finding an alternative (or two or three) may require some additional effort. But the reward can be tremendous. Here are five alternative financing methods for any parent. Scholarships. Just about every school, both high schools and colleges, has a list of scholarships that students can apply for.

There are countless stories on the Internet and other media that tell the details of homeowners tricked by predatory lenders into accepting loans that caused them to lose their home. These stories are tragic, but the homeowners who are not mentioned are the ones who have paid on their homes for 15-20 years and suddenly find themselves in a position they never expected. It does not always take a market collapse or natural disaster to create a situation where the money for the mortgage is not readily available.

Just because you do not have a lot of money doesn't mean that you should have to wait forever to propose to the love of your life. However, you probably do not want to propose without a ring, and you might be unsure of how you will be able to pay for one. Luckily, you do have a few options. These are a few ideas that can help you buy an engagement ring on a budget.