new home

Credit for First-Time Homebuyers

As a prospective first-time home buyer, you’ll likely soon find there’s a lot to manage – like mortgage contracts, down payments, home inspections, offers and counter-offers. Before that even begins, though, you’ll need to make sure that your credit is in a good place. Having a good credit score not […]

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recycling

5 Ways to Improve Your Recycling Habits

Here’s a sobering statistic: 4.4 pounds of trash are produced per person per day in the United States.1 That’s the most in the world! Meanwhile, only 1.5 pounds of materials are recycled per person per day in the U.S.1 Clearly, we still have some work to do, but it can be […]

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What Do I Need to Know About Renters Insurance?

Although 35 percent of the U.S. population rents, a whopping 7 in 10 renters don’t have a renters insurance policy. PolicyGenius co-founder Francois de Lame says that renters are usually hesitant to purchase a policy even though it’s often in their best interest to do so. Do you rent? Should you purchase a renters […]

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APR

Why Is the APR Higher on Short-Term Loans?

The annual percentage rate (APR) is a consumer financing tool used to compare one loan offering with another. APR is often confused with interest rate — it’s actually the cost of money borrowed expressed as an annualized rate. Lenders are required by law to disclose the APR to consumers before […]

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How Do Car Loans Affect Your Credit?

Public transit has become a way of life for many young adults and city dwellers, but the convenience of having your own car is an advantage that many people can’t pass up. Of course, that convenience comes with a cost. The average price of a new car is $34,077, and […]

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