Finance Globe

Most people agree that it feels better to receive a tax refund than it is to owe additional money to the IRS. Even it means you're loaning the government money for a brief period of time, it feels better to get cash back than to send a check along with your final return. If you learn that a refund is coming your way, it’s time to plan your next move. More specifically, what will you do...

Using your debit card at the ATM is one of the fastest and most convenient ways to get cash from your checking account. Unfortunately, convenience usually comes with a cost you may be hit with a fee for the with and in some cases, you could even be charged two fees! ATM owners set the fees for withdrawals. The owner of an ATM could be a bank or even an individual. You can typically avoid ATM fees by using...

As you search for a car loan, you may begin to wonder if you are taking the right approach. Many consumers don’t care how they find a loan as long as the rate is low and the lender is reputable. But here is the question: how can you guarantee that you are getting the best deal? Here are three strategies to consider as you search for a car loan: 1. Call around to as many lenders...

Buying a home should be an enjoyable experience. It doesn’t matter if you are buying your first home or you have gone through this process in the past, nothing should steal the excitement. If you don’t know how to deal with the stress of buying a home, it could soon drag you down. It may even stop you dead on your tracks, causing you to second guess your decision. Fortunately, you can ease the stress by...

Kids learning to ride a bike are most likely to make mistakes. Why? Because the feeling of being on a bike with no training wheels is unfamiliar to them. Similarly, young adults just starting out with credit are also more prone to making mistakes – because credit cards aren’t like any other financial product they’ve used. Here are a few mistakes almost every credit card newbie makes. You might have even made some of these when you...

More Americans are choosing long-term auto loans, up to 84 months in some cases. That's seven years of car payments! Longer-term car loans are attractive because they allow buyers to purchase a more expensive vehicle with a lower monthly payment compared to a shorter-term loan. While a long-term car loan make it more affordable to get behind the wheel of the car of your dreams, there are several drawbacks to vehicle loans with long repayment periods. You’ll end up upside...

As a startup founder, you have a lot on your plate. While there is plenty to think about, financial matters should never be swept under the rug. At first, you may be reluctant to apply for a credit card. Soon enough, once you learn more, you could find that this is the right decision for you and your growing business. Here are three of the best reasons for a startup to secure a credit card in...

Are you confused by how a mortgage rate lock works? Are you wondering if this is something you should even consider? When buying a home, you want to take as much guess work out of the process as possible. By locking your rate at the appropriate time, you can gain peace of mind in knowing that it will not increase before your closing date. As you work with your lender, be sure to ask these five...

If you rent a home or apartment, as opposed to owning, you should consider the benefits of buying a renters insurance policy. This coverage is designed to protect you against loss due to natural disaster, theft, or accident. Just the same as any type of insurance, there are many companies that sell this coverage. Furthermore, you have a variety of options when making a buying decision. To ensure that you are on the right track, here...

In a perfect world, you would never have to change your budget. It would remain the same (100 percent effective), month after month. In the real world, however, there are times when you need to alter your budget to better suit your income, expenses, and goals. Here are three signs of a budget that needs altered: 1. Continue to spend more than you have budgeted for. This may happen from time to time, but if it...