Buy property from family with no money down. Use a Gift of Equity. A seller can give a Gift of Equity to a relative or someone who the seller has a close relationship with. The sale price is below the market value. The difference between the sale price and value is the equity. The seller then gifts 20% of that equity ... read more
Three Ways to Build Credit Without Using Credit Cards
There are three ways to build credit without using credit cards and increasing debt. The most common way to build credit is by using credit cards. Making timely payments on debt accounts for 35% of your credit score. However, there are alternative ways to (re) build credit without using credit cards and increasing your ... read more
Dating a Credit Score Loser: Do Credit Scores Matter in Matters of Love
Dating a credit score loser may or may not matter in matters of love. It depends on those people involved. We've all dated losers in our lives. However, everyone has a breaking point or limit to the type of loser to date. Is dating a credit score loser such a bad thing especially if that person wants to improve his or her ... read more
Types of Insurance Every Person Needs and Should Have
There are five types of insurance every person needs and should have: Life Insurance Health Insurance Homeowners or rental insurance Car insurance Disability Insurance Life insurance is a type of insurance every person needs and should have. Life insurance is an income replacement policy. The life ... read more
Budget Busters That Wreak Havoc On Your Finances: How To Control Your Spending
A Budget buster can ruin your finances. A Budget buster may not be recognizable because they are a part of our daily habit. Daily Coffee is a Budget Buster Buying coffee everyday does not appear to be a Budget Buster until you realize that your coffee habit costs you $3 a day, $15 a week, $60 a month and $720 a year. ... read more
Your Credit Score Is Not Just Numbers: What Your Credit Score Numbers Mean?
Please be aware that your credit score is not just a bunch of numbers. They have meaning. Do you know what your credit score numbers mean? Your credit score a grade of how good you are with credit and debt. Your number gives businesses a view into how responsible you are with money. What's in your credit score and what do ... read more
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